技术领域technical field
本发明涉及账户信息管理技术领域，尤其涉及一种账户信息管理方法、系统以及可读存储介质。The present invention relates to the technical field of account information management, in particular to an account information management method, system and readable storage medium.
背景技术Background technique
当用户在发卡行中注册电子钱包时，发卡行服务器需要给用户注册一个虚拟账户，并把该虚拟账户对应的账户信息同步到收单行服务器和清算行服务器。当用户修改账户信息时，也需要将修改后的账户信息同步到收单行服务器和清算行服务器。如当用户在注册电子钱包过程中，当发卡行服务器接收到注册请求后，根据该注册请求建立虚拟账户，并将虚拟账户对应的账户信息存入DB(Database，数据库)中，并通知用户虚拟账户注册成功；发卡行服务器将注册请求通过HTTPS(Hyper Text Transfer Protocol over SecureSocket Layer，网络协议)发送到收单行服务器；收单行服务接收到注册请求后，根据该注册请求建立虚拟账户，并将虚拟账户对应的账户信息存入DB中，返回应答消息给发卡行服务器，以提醒发卡行服务器注册请求接收成功。同样的，发卡行服务器通过HTTPS将注册请求发送给清算行服务器。具体地过程可参照图1。When a user registers an electronic wallet in the issuing bank, the server of the issuing bank needs to register a virtual account for the user, and synchronize the account information corresponding to the virtual account to the server of the acquiring bank and the server of the clearing bank. When the user modifies the account information, the modified account information also needs to be synchronized to the acquiring bank server and the clearing bank server. For example, when the user is in the process of registering an electronic wallet, when the issuing bank server receives the registration request, it will establish a virtual account according to the registration request, store the account information corresponding to the virtual account into the DB (Database, database), and notify the user of the virtual account. The account registration is successful; the issuing bank server sends the registration request to the acquiring bank server through HTTPS (Hyper Text Transfer Protocol over SecureSocket Layer, network protocol); after receiving the registration request, the acquiring bank service establishes a virtual account according to the registration request, and sends the virtual account The account information corresponding to the account is stored in the DB, and a response message is returned to the server of the issuing bank to remind the server of the issuing bank that the registration request is received successfully. Similarly, the server of the issuing bank sends the registration request to the server of the clearing bank through HTTPS. Refer to Figure 1 for the specific process.
如果在收单行服务器发送应答消息给发卡行服务器过程中，网络出现故障，发卡行服务器会认为收单行服务器没有成功接收注册请求，发卡行服务器会定期重新发送注册请求给收单行服务器，并在成功接收到收单行发送的应答消息后，才会给清算行服务器发送注册请求。由此可知，现在是由发卡行服务器负责发卡行服务器、收单行服务器和清算行服务器之间账户信息的一致性，发卡行服务器需要同时考虑收单行服务器和清算行服务器账户信息的同步情况。而用户在虚拟账户中进行消费，对应的消费数据也是记录在发卡行服务器的数据库中，因此，消费数据不能实时同步到清算行服务器中。目前的做法是每日结束后，发卡行服务器将一天的消费数据发送给清算行服务器，由清算行服务器根据消费数据执行清算操作。由此可知，目前发卡行服务器、收单行服务器和清算行服务器之间的账户信息(账户信息包括消费数据)不能实时同步，导致发卡行服务器难以维护与收单行服务器和清算行服务器之间账户信息的一致性。If the acquiring bank server sends a response message to the issuing bank server, if the network fails, the issuing bank server will think that the acquiring bank server has not successfully received the registration request, and the issuing bank server will periodically resend the registration request to the acquiring bank server, and After receiving the response message sent by the acquiring bank, the registration request will be sent to the clearing bank server. It can be seen that the issuing bank server is now responsible for the consistency of account information among the issuing bank server, acquiring bank server and clearing bank server, and the issuing bank server needs to consider the synchronization of the account information of the acquiring bank server and the clearing bank server at the same time. When the user consumes in the virtual account, the corresponding consumption data is also recorded in the database of the server of the issuing bank. Therefore, the consumption data cannot be synchronized to the server of the clearing bank in real time. The current practice is that after the end of each day, the server of the issuing bank sends the consumption data of the day to the server of the clearing bank, and the server of the clearing bank performs the clearing operation based on the consumption data. It can be seen that the current account information (account information including consumption data) between the server of the issuing bank, the server of the acquiring bank and the server of the clearing bank cannot be synchronized in real time, making it difficult for the server of the issuing bank to maintain account information with the server of the acquiring bank and the server of the clearing bank consistency.
发明内容Contents of the invention
本发明的主要目的在于提供一种账户信息管理方法、系统以及可读存储介质，旨在解决现有的发卡行服务器、收单行服务器和清算行服务器之间的账户信息不能实时同步，导致发卡行服务器、收单行服务器和清算行服务器之间账户信息的一致性的技术问题。The main purpose of the present invention is to provide an account information management method, system and readable storage medium, aiming at solving the problem that the account information among the existing card issuing bank server, acquiring bank server and clearing bank server cannot be synchronized in real time, causing the card issuing bank to The technical issue of the consistency of account information between the server, the acquiring bank server and the clearing bank server.
为实现上述目的，本发明提供一种账户信息管理方法，所述账户信息管理方法包括步骤：In order to achieve the above purpose, the present invention provides an account information management method, the account information management method includes steps:
当通过发卡行服务器接收到注册虚拟账户的注册请求后，获取所述虚拟账户对应的账户信息，并将所述账户信息写入与所述发卡行服务器对应的发卡行区块链节点中；After receiving the registration request for registering a virtual account through the issuing bank server, obtain the account information corresponding to the virtual account, and write the account information into the issuing bank block chain node corresponding to the issuing bank server;
通过运行在区块链系统中的智能合约从所述发卡行区块链节点获取所述账户信息，根据所述账户信息创建虚拟账户；Obtain the account information from the issuing bank blockchain node through the smart contract running in the blockchain system, and create a virtual account according to the account information;
基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中；Synchronize the account information to the blockchain node of the acquiring bank and the blockchain node of the clearing bank based on the peer-to-peer network;
当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中，其中，所述联盟链包括收单行区块链节点、清算行区块链节点和所述发卡行区块链节点。After the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the alliance chain, wherein, The consortium chain includes acquiring bank blockchain nodes, clearing bank blockchain nodes and the issuing bank blockchain nodes.
优选地，当所述交易请求为充值请求时，所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤之前，还包括：Preferably, when the transaction request is a recharge request, after the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and the modified account Before the step of synchronizing information to each blockchain node of the consortium chain, it also includes:
当所述发卡行服务器接收到充值请求后，由所述发卡行服务器将所述充值请求发送给所述发卡行区块链节点；After the issuing bank server receives the recharge request, the issuing bank server sends the recharging request to the issuing bank block chain node;
所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤包括：When the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the consortium chain Steps include:
当所述智能合约接收到所述发卡行区块链节点发送的所述充值请求后，确定所述充值请求对应的充值金额；After the smart contract receives the recharge request sent by the block chain node of the issuing bank, determine the recharge amount corresponding to the recharge request;
根据所述充值金额修改所述账户信息中的账户余额，并将修改后的所述账户余额同步到所述联盟链的各个区块链节点中。Modify the account balance in the account information according to the recharge amount, and synchronize the modified account balance to each block chain node of the alliance chain.
优选地，当所述交易请求为提现请求时，所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤之前，还包括：Preferably, when the transaction request is a withdrawal request, after the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and the modified account Before the step of synchronizing information to each blockchain node of the consortium chain, it also includes:
当所述发卡行服务器接收到提现请求后，通过所述发卡行服务器将所述提现请求发送给所述发卡行区块链节点；After the card issuing bank server receives the cash withdrawal request, the card issuing bank server sends the cash withdrawal request to the card issuing bank block chain node;
所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤包括：When the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the consortium chain Steps include:
当所述智能合约接收到所述发卡行区块链节点发送的所述提现请求后，确定所述提现请求对应的提现金额；After the smart contract receives the withdrawal request sent by the block chain node of the issuing bank, determine the withdrawal amount corresponding to the withdrawal request;
根据所述提现金额修改所述账户信息中的账户余额，并将修改后的所述账户余额同步到所述联盟链的各个区块链节点中。Modify the account balance in the account information according to the withdrawal amount, and synchronize the modified account balance to each block chain node of the alliance chain.
优选地，所述基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中的步骤之后，还包括：Preferably, after the step of synchronizing the account information to the blockchain node of the acquiring bank and the blockchain node of the clearing bank based on the peer-to-peer network, it further includes:
当所述清算行区块链节点接收到清算行服务器发送的人民币汇率后，将所述人民币汇率同步到所述联盟链的各个区块链节点中。After the clearing bank block chain node receives the RMB exchange rate sent by the clearing bank server, the RMB exchange rate is synchronized to each block chain node of the alliance chain.
优选地，当所述交易请求为跨境支付请求时，所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤之前，还包括：Preferably, when the transaction request is a cross-border payment request, after the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and the modified all Before the step of synchronizing the above account information to each blockchain node of the consortium chain, it also includes:
当所述发卡行服务器接收到所述跨境支付请求后，通过所述发卡行服务器将所述跨境支付请求发送给所述发卡行区块链节点；After the issuing bank server receives the cross-border payment request, the issuing bank server sends the cross-border payment request to the issuing bank block chain node;
所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤包括：When the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the consortium chain Steps include:
当所述智能合约接收到所述发卡行区块链节点发送的所述跨境支付请求后，由所述智能合约根据人民币汇率将所述跨境支付请求对应的人民币金额转换为所述跨境支付请求对应用户所在国家的外币金额，并将所述人民币金额和所述外币金额同步到所述联盟链的各个区块链节点中。After the smart contract receives the cross-border payment request sent by the block chain node of the issuing bank, the smart contract converts the RMB amount corresponding to the cross-border payment request into the cross-border payment request according to the RMB exchange rate. The payment request corresponds to the foreign currency amount of the country where the user is located, and the RMB amount and the foreign currency amount are synchronized to each blockchain node of the alliance chain.
优选地，所述账户信息管理方法还包括：Preferably, the account information management method further includes:
当所述联盟链内的区块链节点接收到数据报文后，由所述联盟链内的区块链节点获取公钥信息；After the block chain node in the alliance chain receives the data message, the block chain node in the alliance chain obtains the public key information;
根据所述公钥信息验证所述数据报文是否是由所述联盟链内的其它区块链节点发送的。Verifying whether the data message is sent by other blockchain nodes in the consortium chain according to the public key information.
优选地，所述根据所述公钥信息验证所述数据报文是否是由所述联盟链内的其它区块链节点发送的的步骤包括：Preferably, the step of verifying whether the data message is sent by other blockchain nodes in the consortium chain according to the public key information includes:
根据所述公钥信息验证通过私钥签名的数据报文；Verifying the data message signed by the private key according to the public key information;
若所述数据报文通过验证，则确认所述数据报文是由所述联盟链内的其它区块链节点发送的；If the data message passes the verification, it is confirmed that the data message is sent by other blockchain nodes in the alliance chain;
若所述数据报文验证失败，则确认所述数据报文不是由所述联盟链的机构发送的。If the verification of the data message fails, it is confirmed that the data message is not sent by the organization of the consortium chain.
优选地，所述账户信息管理方法还包括：Preferably, the account information management method further includes:
当与所述清算行区块链节点对应的清算行服务器接收到清算请求后，控制所述清算行服务器从所述清算行区块链节点获取所述账户信息；When the clearing bank server corresponding to the clearing bank blockchain node receives the clearing request, control the clearing bank server to obtain the account information from the clearing bank blockchain node;
根据所获取的所述账户信息执行清算操作，得到清算结果，并通过所述清算行区块链节点将所述清算结果同步到所述联盟链的各个区块链节点中。Perform a liquidation operation according to the acquired account information, obtain a liquidation result, and synchronize the liquidation result to each blockchain node of the alliance chain through the blockchain node of the clearing bank.
此外，为实现上述目的，本发明还提供一种账户信息管理系统，所述账户信息管理系统包括存储器、处理器和存储在所述存储器上并可在所述处理器上运行的账户信息管理程序，所述账户信息管理程序被所述处理器执行时实现如上所述的账户信息管理方法的步骤。In addition, to achieve the above object, the present invention also provides an account information management system, the account information management system includes a memory, a processor, and an account information management program stored in the memory and operable on the processor When the account information management program is executed by the processor, the steps of the account information management method described above are implemented.
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有账户信息管理程序，所述账户信息管理程序被处理器执行时实现如上所述的账户信息管理方法的步骤。In addition, in order to achieve the above object, the present invention also provides a computer-readable storage medium, on which an account information management program is stored, and when the account information management program is executed by a processor, the above-mentioned The steps of the account information management method.
本发明通过当通过发卡行服务器接收到注册虚拟账户的注册请求后，获取所述虚拟账户对应的账户信息，并将所述账户信息写入与所述发卡行服务器对应的发卡行区块链节点中；通过运行在区块链系统中的智能合约从所述发卡行区块链节点获取所述账户信息，根据所述账户信息创建虚拟账户；基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中；当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中，其中，所述联盟链包括收单行区块链节点、清算行区块链节点和所述发卡行区块链节点。通过联盟链实现账户信息在发卡行区块链节点、收单行区块链节点和清算行区块链节点之间的实时同步，保证发卡行服务器、收单行服务器和清算行服务器中账户信息的一致性。并且由于收单行服务器和清算行服务器都可在各自的区块链节点中查询账户信息，不需要发卡行服务器发送账户信息，从而构建一个去中心化的账户体系。The present invention obtains the account information corresponding to the virtual account after receiving the registration request for registering the virtual account through the issuing bank server, and writes the account information into the issuing bank block chain node corresponding to the issuing bank server middle; obtain the account information from the block chain node of the issuing bank through the smart contract running in the block chain system, create a virtual account according to the account information; synchronize the account information to the acquiring bank based on the peer-to-peer network In the block chain node and the clearing bank block chain node; when the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information To each block chain node of the consortium chain, wherein the consortium chain includes the block chain node of the acquiring bank, the block chain node of the clearing bank and the block chain node of the issuing bank. The real-time synchronization of account information between the issuing bank blockchain node, acquiring bank blockchain node and clearing bank blockchain node is realized through the alliance chain to ensure the consistency of account information in the issuing bank server, acquiring bank server and clearing bank server sex. And since both the acquiring bank server and the clearing bank server can query account information in their respective blockchain nodes, there is no need for the issuing bank server to send account information, thereby building a decentralized account system.
附图说明Description of drawings
图1为现有技术中账户信息的基本管理流程示意图；FIG. 1 is a schematic diagram of the basic management process of account information in the prior art;
图2是本发明实施例方案涉及的硬件运行环境的结构示意图；Fig. 2 is a schematic structural diagram of the hardware operating environment involved in the solution of the embodiment of the present invention;
图3为本发明账户信息管理方法第一实施例的流程示意图；FIG. 3 is a schematic flow chart of the first embodiment of the account information management method of the present invention;
图4为本发明账户信息管理方法第二实施例的流程示意图；FIG. 4 is a schematic flowchart of a second embodiment of the account information management method of the present invention;
图5为本发明账户信息管理方法第三实施例的流程示意图。FIG. 5 is a schematic flowchart of a third embodiment of the account information management method of the present invention.
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。The realization of the purpose of the present invention, functional characteristics and advantages will be further described in conjunction with the embodiments and with reference to the accompanying drawings.
具体实施方式Detailed ways
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.
本发明实施例的解决方案主要是：当通过发卡行服务器接收到注册虚拟账户的注册请求后，获取所述虚拟账户对应的账户信息，并将所述账户信息写入与所述发卡行服务器对应的发卡行区块链节点中；通过运行在区块链系统中的智能合约从所述发卡行区块链节点获取所述账户信息，根据所述账户信息创建虚拟账户；基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中；当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中，其中，所述联盟链包括收单行区块链节点、清算行区块链节点和所述发卡行区块链节点。以解决现有的发卡行服务器、收单行服务器和清算行服务器之间的账户信息不能实时同步，导致发卡行服务器、收单行服务器和清算行服务器之间账户信息的一致性的问题。The solution of the embodiment of the present invention is mainly: after receiving a registration request for registering a virtual account through the server of the issuing bank, obtain the account information corresponding to the virtual account, and write the account information into the corresponding account information corresponding to the server of the issuing bank. In the block chain node of the issuing bank; the account information is obtained from the block chain node of the issuing bank through the smart contract running in the block chain system, and a virtual account is created according to the account information; based on the peer-to-peer network, the The account information is synchronized to the blockchain node of the acquiring bank and the blockchain node of the clearing bank; when the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and modifies the The subsequent account information is synchronized to each blockchain node of the consortium chain, wherein the consortium chain includes a blockchain node of the acquiring bank, a blockchain node of the clearing bank and a blockchain node of the issuing bank. In order to solve the problem that the account information among the existing issuing bank server, acquiring bank server and clearing bank server cannot be synchronized in real time, resulting in consistency of account information between the card issuing bank server, acquiring bank server and clearing bank server.
如图2所示，图2是本发明实施例方案涉及的硬件运行环境的结构示意图。该账户信息管理系统可以包括：处理器1001，例如CPU，网络接口1004，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信。网络接口1004可选的可以包括标准的有线接口、无线接口(如WI-FI接口)。存储器1005可以是高速RAM存储器，也可以是稳定的存储器(non-volatile memory)，例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。As shown in FIG. 2 , FIG. 2 is a schematic structural diagram of a hardware operating environment involved in the solution of the embodiment of the present invention. The account information management system may include: a processor 1001 , such as a CPU, a network interface 1004 , a memory 1005 , and a communication bus 1002 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. Optionally, the network interface 1004 may include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 can be a high-speed RAM memory, or a stable memory (non-volatile memory), such as a disk memory. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001 .
可选地，账户信息管理系统还可以包括RF(Radio Frequency，射频)电路，传感器、WiFi模块等等。Optionally, the account information management system may further include an RF (Radio Frequency, radio frequency) circuit, a sensor, a WiFi module, and the like.
本领域技术人员可以理解，图1中示出的账户信息管理系统结构并不构成对终端的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。Those skilled in the art can understand that the structure of the account information management system shown in Figure 1 does not constitute a limitation on the terminal, and may include more or less components than those shown in the figure, or combine certain components, or arrange different components .
如图1所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及账户信息管理程序。其中，操作系统是管理和控制账户信息管理系统硬件和软件资源的程序，支持账户信息管理程序以及其它软件或程序的运行。As shown in FIG. 1 , the memory 1005 as a computer storage medium may include an operating system, a network communication module, a user interface module, and an account information management program. Among them, the operating system is a program that manages and controls the hardware and software resources of the account information management system, and supports the operation of the account information management program and other software or programs.
在图1所示的账户信息管理系统中，网络接口1004主要用于连接后台服务器，与后台服务器进行数据通信；处理器1001可以用于调用存储器1005中存储的账户信息管理程序，并执行以下操作：In the account information management system shown in Figure 1, the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server; the processor 1001 can be used to call the account information management program stored in the memory 1005, and perform the following operations :
当通过发卡行服务器接收到注册虚拟账户的注册请求后，获取所述虚拟账户对应的账户信息，并将所述账户信息写入与所述发卡行服务器对应的发卡行区块链节点中；After receiving the registration request for registering a virtual account through the issuing bank server, obtain the account information corresponding to the virtual account, and write the account information into the issuing bank block chain node corresponding to the issuing bank server;
通过运行在区块链系统中的智能合约从所述发卡行区块链节点获取所述账户信息，根据所述账户信息创建虚拟账户；Obtain the account information from the issuing bank blockchain node through the smart contract running in the blockchain system, and create a virtual account according to the account information;
基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中；Synchronize the account information to the blockchain node of the acquiring bank and the blockchain node of the clearing bank based on the peer-to-peer network;
当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中，其中，所述联盟链包括收单行区块链节点、清算行区块链节点和所述发卡行区块链节点。After the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the alliance chain, wherein, The consortium chain includes acquiring bank blockchain nodes, clearing bank blockchain nodes and the issuing bank blockchain nodes.
进一步地，当所述交易请求为充值请求时，所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤之前，处理器1001还可以用于调用存储器1005中存储的账户信息管理程序，并执行以下步骤：Further, when the transaction request is a recharge request, after the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and the modified account Before the step of synchronizing information to each blockchain node of the consortium chain, the processor 1001 can also be used to call the account information management program stored in the memory 1005, and perform the following steps:
当所述发卡行服务器接收到充值请求后，由所述发卡行服务器将所述充值请求发送给所述发卡行区块链节点；After the issuing bank server receives the recharge request, the issuing bank server sends the recharging request to the issuing bank block chain node;
所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤包括：When the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the consortium chain Steps include:
当所述智能合约接收到所述发卡行区块链节点发送的所述充值请求后，确定所述充值请求对应的充值金额；After the smart contract receives the recharge request sent by the block chain node of the issuing bank, determine the recharge amount corresponding to the recharge request;
根据所述充值金额修改所述账户信息中的账户余额，并将修改后的所述账户余额同步到所述联盟链的各个区块链节点中。Modify the account balance in the account information according to the recharge amount, and synchronize the modified account balance to each block chain node of the alliance chain.
进一步地，当所述交易请求为提现请求时，所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤之前，处理器1001还可以用于调用存储器1005中存储的账户信息管理程序，并执行以下步骤：Further, when the transaction request is a withdrawal request, after the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and the modified account Before the step of synchronizing information to each blockchain node of the consortium chain, the processor 1001 can also be used to call the account information management program stored in the memory 1005, and perform the following steps:
当所述发卡行服务器接收到提现请求后，通过所述发卡行服务器将所述提现请求发送给所述发卡行区块链节点；After the card issuing bank server receives the cash withdrawal request, the card issuing bank server sends the cash withdrawal request to the card issuing bank block chain node;
所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤包括：When the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the consortium chain Steps include:
当所述智能合约接收到所述发卡行区块链节点发送的所述提现请求后，确定所述提现请求对应的提现金额；After the smart contract receives the withdrawal request sent by the block chain node of the issuing bank, determine the withdrawal amount corresponding to the withdrawal request;
根据所述提现金额修改所述账户信息中的账户余额，并将修改后的所述账户余额同步到所述联盟链的各个区块链节点中。Modify the account balance in the account information according to the withdrawal amount, and synchronize the modified account balance to each block chain node of the alliance chain.
进一步地，所述基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中的步骤之后，处理器1001还可以用于调用存储器1005中存储的账户信息管理程序，并执行以下步骤：Further, after the step of synchronizing the account information to the blockchain node of the acquiring bank and the blockchain node of the clearing bank based on the peer-to-peer network, the processor 1001 can also be used to call the account information stored in the memory 1005 to manage program, and perform the following steps:
当所述清算行区块链节点接收到清算行服务器发送的人民币汇率后，将所述人民币汇率同步到所述联盟链的各个区块链节点中。After the clearing bank block chain node receives the RMB exchange rate sent by the clearing bank server, the RMB exchange rate is synchronized to each block chain node of the alliance chain.
进一步地，当所述交易请求为跨境支付请求时，所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤之前，处理器1001还可以用于调用存储器1005中存储的账户信息管理程序，并执行以下步骤：Further, when the transaction request is a cross-border payment request, after the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and sends the modified all Before the step of synchronizing the account information to each blockchain node of the consortium chain, the processor 1001 can also be used to call the account information management program stored in the memory 1005, and perform the following steps:
当所述发卡行服务器接收到所述跨境支付请求后，通过所述发卡行服务器将所述跨境支付请求发送给所述发卡行区块链节点；After the issuing bank server receives the cross-border payment request, the issuing bank server sends the cross-border payment request to the issuing bank block chain node;
所述当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中的步骤包括：When the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the consortium chain Steps include:
当所述智能合约接收到所述发卡行区块链节点发送的所述跨境支付请求后，由所述智能合约根据人民币汇率将所述跨境支付请求对应的人民币金额转换为所述跨境支付请求对应用户所在国家的外币金额，并将所述人民币金额和所述外币金额同步到所述联盟链的各个区块链节点中。After the smart contract receives the cross-border payment request sent by the block chain node of the issuing bank, the smart contract converts the RMB amount corresponding to the cross-border payment request into the cross-border payment request according to the RMB exchange rate. The payment request corresponds to the foreign currency amount of the country where the user is located, and the RMB amount and the foreign currency amount are synchronized to each blockchain node of the alliance chain.
进一步地，处理器1001还可以用于调用存储器1005中存储的账户信息管理程序，并执行以下步骤：Further, the processor 1001 can also be used to call the account information management program stored in the memory 1005, and perform the following steps:
当所述联盟链内的区块链节点接收到数据报文后，由所述联盟链内的区块链节点获取公钥信息；After the block chain node in the alliance chain receives the data message, the block chain node in the alliance chain obtains the public key information;
根据所述公钥信息验证所述数据报文是否是由所述联盟链内的其它区块链节点发送的。Verifying whether the data message is sent by other blockchain nodes in the consortium chain according to the public key information.
进一步地，所述根据所述公钥信息验证所述数据报文是否是由所述联盟链内的其它区块链节点发送的的步骤包括：Further, the step of verifying whether the data message is sent by other blockchain nodes in the consortium chain according to the public key information includes:
根据所述公钥信息验证通过私钥签名的数据报文；Verifying the data message signed by the private key according to the public key information;
若所述数据报文通过验证，则确认所述数据报文是由所述联盟链内的其它区块链节点发送的；If the data message passes the verification, it is confirmed that the data message is sent by other blockchain nodes in the alliance chain;
若所述数据报文验证失败，则确认所述数据报文不是由所述联盟链的机构发送的。If the verification of the data message fails, it is confirmed that the data message is not sent by the organization of the consortium chain.
进一步地，处理器1001还可以用于调用存储器1005中存储的账户信息管理程序，并执行以下步骤：Further, the processor 1001 can also be used to call the account information management program stored in the memory 1005, and perform the following steps:
当与所述清算行区块链节点对应的清算行服务器接收到清算请求后，控制所述清算行服务器从所述清算行区块链节点获取所述账户信息；When the clearing bank server corresponding to the clearing bank blockchain node receives the clearing request, control the clearing bank server to obtain the account information from the clearing bank blockchain node;
根据所获取的所述账户信息执行清算操作，得到清算结果，并通过所述清算行区块链节点将所述清算结果同步到所述联盟链的各个区块链节点中。Perform a liquidation operation according to the acquired account information, obtain a liquidation result, and synchronize the liquidation result to each blockchain node of the alliance chain through the blockchain node of the clearing bank.
基于上述的硬件结构，提出账户信息管理方法的各个实施例。Based on the above hardware structure, various embodiments of account information management methods are proposed.
参照图3，图3为本发明账户信息管理方法第一实施例的流程示意图。Referring to FIG. 3 , FIG. 3 is a schematic flowchart of a first embodiment of an account information management method according to the present invention.
在本实施例中，提供了账户信息管理方法的实施例，需要说明的是，虽然在流程图中示出了逻辑顺序，但是在某些情况下，可以以不同于此处的顺序执行所示出或描述的步骤。In this embodiment, an embodiment of the account information management method is provided. It should be noted that although the logic sequence is shown in the flow chart, in some cases, the sequence shown here may be executed in a different order. steps outlined or described.
在本实施例中，账户信息管理方法应用于账户信息管理系统，所述账户信息管理方法包括：In this embodiment, the account information management method is applied to the account information management system, and the account information management method includes:
步骤S10，当通过发卡行服务器接收到注册虚拟账户的注册请求后，获取所述虚拟账户对应的账户信息，并将所述账户信息写入与所述发卡行服务器对应的发卡行区块链节点中。Step S10, after receiving a registration request for registering a virtual account through the issuing bank server, obtain the account information corresponding to the virtual account, and write the account information into the issuing bank blockchain node corresponding to the issuing bank server middle.
在本发明实施例中，收单行服务器对应着收单行区块链节点、清算行服务器对应着清算行区块链节点、以及发卡行服务器对应着发卡行区块链节点。收单行区块链节点、清算行区块链节点和发卡行区块链节点共同构建成一条联盟链。其中，联盟链是一种由互相信任的机构节点组成，节点之间建立连接、数据传输均采用安全、可靠的方式，比如认证，IP(Internet Protocol，网络之间互连的协议)白名单等等，外部节点无法加入的区块链体系。节点特指参与到区块链网络里，进行交易和数据交换的网络节点，每个独立机构可以拥有一个到多个交易节点，每个交易节点是一组物理网络，计算机，区块链应用软件以及数据库的组合。In the embodiment of the present invention, the acquiring bank server corresponds to the acquiring bank blockchain node, the clearing bank server corresponds to the clearing bank blockchain node, and the issuing bank server corresponds to the issuing bank blockchain node. The blockchain node of the acquiring bank, the blockchain node of the clearing bank and the blockchain node of the issuing bank jointly form an alliance chain. Among them, the alliance chain is composed of institutional nodes that trust each other. The connection between nodes is established and data transmission is carried out in a safe and reliable manner, such as authentication, IP (Internet Protocol, a protocol for interconnection between networks) whitelist, etc. etc., the blockchain system that external nodes cannot join. A node specifically refers to a network node that participates in the blockchain network for transactions and data exchange. Each independent organization can have one or more transaction nodes. Each transaction node is a group of physical networks, computers, and blockchain application software. and database combinations.
在收单行服务器、发卡行服务器和清算行服务器中，都对应设置有代表其身份的数据签名，在数据签名中，存在公钥信息，该公钥信息会同步到联盟链内的某个智能合约中。其中，智能合约是一种可以运行在区块链上的代码片段，智能合约的执行过程会以交易的形式在区块链上共识、确认。In the acquiring bank server, card issuing bank server and clearing bank server, there are corresponding data signatures representing their identities. In the data signature, there is public key information, which will be synchronized to a smart contract in the alliance chain middle. Among them, a smart contract is a code fragment that can run on the blockchain, and the execution process of the smart contract will be consensus and confirmed on the blockchain in the form of transactions.
当发卡行服务器接收到用户触发的注册虚拟账户的注册请求后，发卡行服务器获取虚拟账户对应的账户信息，并将所获取的账户信息写入与其对应的发卡行区块链节点中。其中，虚拟账户信息账户余额信息、发卡行币种信息、以及用户名称等。When the server of the issuing bank receives the registration request for registering the virtual account triggered by the user, the server of the issuing bank obtains the account information corresponding to the virtual account, and writes the obtained account information into the corresponding block chain node of the issuing bank. Among them, virtual account information, account balance information, card issuing bank currency information, and user name, etc.
步骤S20，通过运行在区块链系统中的智能合约从所述发卡行区块链节点获取所述账户信息，根据所述账户信息创建虚拟账户。Step S20, obtaining the account information from the issuing bank blockchain node through the smart contract running in the blockchain system, and creating a virtual account according to the account information.
步骤S30，基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中。In step S30, the account information is synchronized to the blockchain node of the acquiring bank and the blockchain node of the clearing bank based on the peer-to-peer network.
当并将账户信息写入与发卡行服务器对应的发卡行区块链节点中后，运行在区块链系统中的智能合约从发卡行区块链节点中获取该账户信息，并根据该账户信息创建虚拟账户。当将账户信息写入与所述发卡行服务器对应的发卡行区块链节点中后，通过P2P(Peer to Peer，对等网络)将账户信息同步到联盟链中的其它区块链节点，即同步到收单行区块链节点和清算行区块链节点中，以实现各个区块链节点中账户信息的一致性。P2P是在中心化网络中，交易各方通过一个中心节点代理和中转数据通信，在P2P中，节点之间可以互相直接通信，构成一个对等的网状结构，减少了中心网络的开销，一个节点产生的数据，可以同时向多个节点发送广播。After the account information is written into the issuing bank's blockchain node corresponding to the issuing bank's server, the smart contract running in the blockchain system obtains the account information from the issuing bank's blockchain node, and according to the account information Create a virtual account. After the account information is written into the issuing bank blockchain node corresponding to the issuing bank server, the account information is synchronized to other blockchain nodes in the alliance chain through P2P (Peer to Peer, peer-to-peer network), namely Synchronized to the blockchain node of the acquiring bank and the blockchain node of the clearing bank to achieve the consistency of account information in each blockchain node. P2P is in the centralized network, the parties to the transaction pass a central node agent and transfer data communication. In P2P, the nodes can communicate directly with each other to form a peer-to-peer network structure, which reduces the cost of the central network. The data generated by the node can be broadcast to multiple nodes at the same time.
步骤S40，当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中，其中，所述联盟链包括收单行区块链节点、清算行区块链节点和所述发卡行区块链节点。Step S40, when the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and synchronizes the modified account information to each blockchain node of the consortium chain , wherein, the alliance chain includes the acquiring bank blockchain node, the clearing bank blockchain node and the issuing bank blockchain node.
智能合约检测是否接收到交易请求。若智能合约接收到交易请求，智能合约则根据交易请求修改对应的账户信息，并将修改后的账户信息同步到联盟链内的各个区块链节点中。The smart contract detects whether a transaction request has been received. If the smart contract receives a transaction request, the smart contract modifies the corresponding account information according to the transaction request, and synchronizes the modified account information to each blockchain node in the alliance chain.
进一步地，账户信息管理方法还包括：Further, the account information management method also includes:
步骤a，当所述清算行区块链节点接收到清算行服务器发送的人民币汇率后，将所述人民币汇率同步到所述联盟链的各个区块链节点中。Step a, after the clearing bank blockchain node receives the RMB exchange rate sent by the clearing bank server, the RMB exchange rate is synchronized to each blockchain node of the alliance chain.
进一步地，当区块链服务器接收到更新人民币汇率的更新指令后，根据更新指令更新人民币汇率，并将更新后的人民币汇率发送给对应的清算行区块链节点。当清算行区块链节点接收到清算行服务器发送的人民币汇率后，并将人民币汇率同步到联盟链内的各个区块链节点中。进一步地，当处理汇率的智能合约获取到人民币汇率后，处理汇率的智能合约会记录该人民币汇率，并提供相应的接口，供具备其它功能的智能合约查询人民币汇率。Further, when the blockchain server receives the update instruction to update the RMB exchange rate, it updates the RMB exchange rate according to the update instruction, and sends the updated RMB exchange rate to the corresponding clearing bank blockchain node. When the clearing bank blockchain node receives the RMB exchange rate sent by the clearing bank server, it will synchronize the RMB exchange rate to each blockchain node in the alliance chain. Further, when the exchange rate smart contract obtains the RMB exchange rate, the exchange rate smart contract will record the RMB exchange rate and provide a corresponding interface for smart contracts with other functions to query the RMB exchange rate.
本实施例通过当通过发卡行服务器接收到注册虚拟账户的注册请求后，获取所述虚拟账户对应的账户信息，并将所述账户信息写入与所述发卡行服务器对应的发卡行区块链节点中；通过运行在区块链系统中的智能合约从所述发卡行区块链节点获取所述账户信息，根据所述账户信息创建虚拟账户；基于对等网络将所述账户信息同步到收单行区块链节点和清算行区块链节点中；当所述智能合约接收到交易请求后，由所述智能合约根据所述交易请求修改所述账户信息，并将修改后的所述账户信息同步到联盟链的各个区块链节点中，其中，所述联盟链包括收单行区块链节点、清算行区块链节点和所述发卡行区块链节点。通过联盟链实现账户信息在发卡行区块链节点、收单行区块链节点和清算行区块链节点之间的实时同步，保证发卡行服务器、收单行服务器和清算行服务器中账户信息的一致性。并且由于收单行服务器和清算行服务器都可在各自的区块链节点中查询账户信息，不需要发卡行服务器发送账户信息，从而构建一个去中心化的账户体系。In this embodiment, after receiving a registration request for registering a virtual account through the issuing bank server, the account information corresponding to the virtual account is obtained, and the account information is written into the issuing bank block chain corresponding to the issuing bank server. In the node; obtain the account information from the block chain node of the issuing bank through the smart contract running in the block chain system, create a virtual account according to the account information; synchronize the account information to the receiving bank based on the peer-to-peer network In the single-line blockchain node and the clearing bank blockchain node; when the smart contract receives the transaction request, the smart contract modifies the account information according to the transaction request, and the modified account information Synchronized to each block chain node of the consortium chain, wherein the consortium chain includes the block chain node of the acquiring bank, the block chain node of the clearing bank and the block chain node of the issuing bank. The real-time synchronization of account information between the issuing bank blockchain node, acquiring bank blockchain node and clearing bank blockchain node is realized through the alliance chain to ensure the consistency of account information in the issuing bank server, acquiring bank server and clearing bank server sex. And since both the acquiring bank server and the clearing bank server can query account information in their respective blockchain nodes, there is no need for the issuing bank server to send account information, thereby building a decentralized account system.
进一步地，提出本发明账户信息管理方法第二实施例。Further, a second embodiment of the account information management method of the present invention is proposed.
所述账户信息管理方法第二实施例与所述账户信息管理方法第一实施例的区别在于，当所述交易请求为充值请求时，参照图4，账户信息管理方法还包括：The difference between the second embodiment of the account information management method and the first embodiment of the account information management method is that, when the transaction request is a recharge request, referring to FIG. 4 , the account information management method further includes:
步骤S50，当所述发卡行服务器接收到充值请求后，由所述发卡行服务器将所述充值请求发送给所述发卡行区块链节点。Step S50, after the issuing bank server receives the recharging request, the issuing bank server sends the recharging request to the issuing bank blockchain node.
当发卡行服务器接收到用户的充值请求后，发卡行服务器将充值请求发送给发卡行区块链节点，以将充值请求发送到区块链系统中，供处理充值请求的智能合约从发卡行区块链节点中获取该充值请求。When the server of the issuing bank receives the user's recharge request, the server of the issuing bank sends the recharging request to the block chain node of the issuing bank, so that the recharging request is sent to the blockchain system, and the smart contract for processing the recharging request is sent from the issuing bank area The recharge request is obtained in the block chain node.
步骤S40包括：Step S40 includes:
步骤S41，当所述智能合约接收到所述发卡行区块链节点发送的所述充值请求后，确定所述充值请求对应的充值金额。Step S41, after the smart contract receives the recharge request sent by the block chain node of the issuing bank, determine the recharge amount corresponding to the recharge request.
步骤S42，根据所述充值金额修改所述账户信息中的账户余额，并将修改后的所述账户余额同步到所述联盟链的各个区块链节点中。Step S42, modifying the account balance in the account information according to the recharge amount, and synchronizing the modified account balance to each blockchain node of the alliance chain.
当处理充值请求的智能合约接收到发卡行区块链节点中发送的充值请求后，确定该充值请求对应的充值金额。当确定充值金额后，处理充值请求的智能合约根据该充值金额修改账户信息中的账户余额，并将修改后的账户余额同步到联盟链内的各个区块链节点中，可以理解的是，根据充值金额修改账户信息中的账户余额为根据充值金额增加账户信息中的账户余额。如当充值请求对应的充值金额为10港币，则将账户信息中的账户余额增加10港币，发卡行区块链节点会将此交易信息广播到收单行区块链节点和清算行区块链节点中，以实现发卡行区块链节点、收单行区块链节点和清算行区块链节点之间账户信息的同步。When the smart contract processing the recharge request receives the recharge request sent by the block chain node of the issuing bank, it determines the recharge amount corresponding to the recharge request. After the recharge amount is determined, the smart contract that processes the recharge request modifies the account balance in the account information according to the recharge amount, and synchronizes the modified account balance to each blockchain node in the alliance chain. It is understandable that according to The recharge amount modifies the account balance in the account information to increase the account balance in the account information according to the recharge amount. For example, when the recharge amount corresponding to the recharge request is 10 Hong Kong dollars, the account balance in the account information will be increased by 10 Hong Kong dollars, and the issuing bank blockchain node will broadcast this transaction information to the acquiring bank blockchain node and the clearing bank blockchain node In order to realize the synchronization of account information among the blockchain nodes of the issuing bank, the blockchain nodes of the acquiring bank and the blockchain nodes of the clearing bank.
进一步地，当所述交易请求为提现请求时，账户信息管理方法还包括：Further, when the transaction request is a withdrawal request, the account information management method further includes:
步骤b，当所述发卡行服务器接收到提现请求后，通过所述发卡行服务器将所述提现请求发送给所述发卡行区块链节点。In step b, after the card issuing bank server receives the cash withdrawal request, the card issuing bank server sends the cash withdrawal request to the card issuing bank blockchain node.
当发卡行服务器接收到用户的提现请求后，发卡行服务器将提现请求发送给发卡行区块链节点，以将提现请求发送到区块链系统中，供提现请求充的智能合约从发卡行区块链节点中获取该提现请求。When the server of the issuing bank receives the withdrawal request from the user, the server of the issuing bank sends the withdrawal request to the block chain node of the issuing bank, so as to send the withdrawal request to the blockchain system, and the smart contract for the withdrawal request recharges from the issuing bank area The withdrawal request is obtained from the block chain node.
步骤S40还包括：Step S40 also includes:
步骤c，当所述智能合约接收到所述发卡行区块链节点发送的所述提现请求后，确定所述提现请求对应的提现金额。Step c, after the smart contract receives the cash withdrawal request sent by the block chain node of the issuing bank, determine the cash withdrawal amount corresponding to the cash withdrawal request.
步骤d，根据所述提现金额修改所述账户信息中的账户余额，并将修改后的所述账户余额同步到所述联盟链的各个区块链节点中。Step d, modifying the account balance in the account information according to the withdrawal amount, and synchronizing the modified account balance to each blockchain node of the alliance chain.
当处理提现请求的智能合约接收到发卡行区块链节点中发送的提现请求后，确定该提现请求对应的提现金额。当确定提现金额后，处理提现请求的智能合约根据该提现金额修改账户信息中的账户余额，并将修改后的账户余额同步到联盟链内的各个区块链节点中，可以理解的是，根据提现金额修改账户信息中的账户余额为根据提现金额减小账户信息中的账户余额。如当提现请求对应的提现金额为10港币，则将账户信息中的账户余额减小10港币，发卡行区块链节点会将此交易信息广播到收单行区块链节点和清算行区块链节点中，以实现发卡行区块链节点、收单行区块链节点和清算行区块链节点之间账户信息的同步。When the smart contract processing the withdrawal request receives the withdrawal request sent from the blockchain node of the issuing bank, it determines the withdrawal amount corresponding to the withdrawal request. After the withdrawal amount is determined, the smart contract that processes the withdrawal request modifies the account balance in the account information according to the withdrawal amount, and synchronizes the modified account balance to each blockchain node in the alliance chain. It is understandable that according to The withdrawal amount modifies the account balance in the account information to reduce the account balance in the account information according to the withdrawal amount. For example, when the withdrawal amount corresponding to the withdrawal request is 10 Hong Kong dollars, the account balance in the account information will be reduced by 10 Hong Kong dollars, and the issuing bank blockchain node will broadcast this transaction information to the acquiring bank blockchain node and the clearing bank blockchain In the node, to realize the synchronization of account information among the blockchain nodes of the issuing bank, the blockchain node of the acquiring bank and the blockchain node of the clearing bank.
本实施例当用户消费后，通过联盟链实时同步发卡行区块链节点、收单行区块链节点和清算行区块链节点中用户消费后的账户信息。In this embodiment, after the user consumes, the account information after the user's consumption is synchronized in real time through the alliance chain in the block chain node of the issuing bank, the block chain node of the acquiring bank, and the block chain node of the clearing bank.
进一步地，提出本发明账户信息管理方法第三实施例。Further, a third embodiment of the account information management method of the present invention is proposed.
所述账户信息管理方法第三实施例与所述账户信息管理方法第一实施例的区别在于，当所述交易请求为跨境支付请求时，参照图5，账户信息管理方法还包括：The difference between the third embodiment of the account information management method and the first embodiment of the account information management method is that, when the transaction request is a cross-border payment request, referring to FIG. 5 , the account information management method further includes:
步骤S60，当所述发卡行服务器接收到所述跨境支付请求后，通过所述发卡行服务器将所述跨境支付请求发送给所述发卡行区块链节点。Step S60, after the issuing bank server receives the cross-border payment request, the issuing bank server sends the cross-border payment request to the issuing bank blockchain node.
当发卡行服务器接收到用户的跨境支付请求后，发卡行服务器根据该跨境支付请求构建一条消费记录，并将跨境支付请求发送给发卡行区块链节点，以将跨境支付请求发送到区块链系统中，供处理跨境支付请求的智能合约从发卡行区块链节点中获取该跨境支付请求。When the server of the issuing bank receives the cross-border payment request from the user, the server of the issuing bank constructs a consumption record based on the cross-border payment request, and sends the cross-border payment request to the block chain node of the issuing bank to send the cross-border payment request to In the blockchain system, the smart contract for processing cross-border payment requests obtains the cross-border payment request from the issuing bank's blockchain node.
步骤S40包括：Step S40 includes:
步骤S43，当所述智能合约接收到所述发卡行区块链节点发送的所述跨境支付请求后，由所述智能合约根据人民币汇率将所述跨境支付请求对应的人民币金额转换为所述跨境支付请求对应用户所在国家的外币金额，并将所述人民币金额和所述外币金额同步到所述联盟链的各个区块链节点中。Step S43: After the smart contract receives the cross-border payment request sent by the block chain node of the issuing bank, the smart contract converts the RMB amount corresponding to the cross-border payment request into the RMB amount corresponding to the RMB exchange rate. The cross-border payment request corresponds to the foreign currency amount of the country where the user is located, and the RMB amount and the foreign currency amount are synchronized to each blockchain node of the alliance chain.
当处理跨境支付请求的智能合约接收到发卡行区块链节点中发送的跨境支付请求后，处理跨境支付请求的智能合约调用处理汇率的智能合约的接口，从处理汇率的智能合约中获取当前的人民币汇率。当处理处理跨境支付请求的智能合约获取到当前的人民币汇率后，根据当前的人民币汇率将跨境支付请求对应的人民币金额转换为跨境支付请求对应用户所在国家的外币金额，得到跨境支付请求对应的人民币金额和外币金额，并将人民币金额和外币金额同步到联盟链的各个区块链节点中，即同步到发卡行区块链节点、收单行区块链节点和清算行区块链节点中。When the smart contract processing the cross-border payment request receives the cross-border payment request sent by the block chain node of the issuing bank, the smart contract processing the cross-border payment request calls the interface of the smart contract processing the exchange rate, from the smart contract processing the exchange rate Get the current RMB exchange rate. When the smart contract that processes the cross-border payment request obtains the current RMB exchange rate, it converts the RMB amount corresponding to the cross-border payment request into the foreign currency amount corresponding to the user's country according to the current RMB exchange rate, and obtains the cross-border payment Request the corresponding RMB amount and foreign currency amount, and synchronize the RMB amount and foreign currency amount to each blockchain node of the alliance chain, that is, to the issuing bank blockchain node, acquiring bank blockchain node and clearing bank blockchain in the node.
本实施例通过智能合约处理跨境支付请求，将跨境支付请求对应的人民币金额和外币金额同步到联盟链中的各个区块链节点中，以实现实时同步发卡行区块链节点、收单行区块链节点和清算行区块链节点中用户消费后的账户信息。In this embodiment, the cross-border payment request is processed through the smart contract, and the RMB amount and the foreign currency amount corresponding to the cross-border payment request are synchronized to each blockchain node in the alliance chain, so as to realize real-time synchronization of the issuing bank blockchain node and the acquiring bank The account information of the user after consumption in the block chain node and the clearing bank block chain node.
进一步地，提出本发明账户信息管理方法第四实施例。Further, a fourth embodiment of the account information management method of the present invention is proposed.
所述账户信息管理方法第四实施例与所述账户信息管理方法第一、第二或第三实施例的区别在于，账户信息管理方法还包括：The difference between the fourth embodiment of the account information management method and the first, second or third embodiment of the account information management method is that the account information management method further includes:
步骤e，当所述联盟链内的区块链节点接收到数据报文后，由所述联盟链内的区块链节点获取公钥信息。Step e, after the blockchain nodes in the consortium chain receive the data message, the blockchain nodes in the consortium chain obtain public key information.
步骤f，根据所述公钥信息验证所述数据报文是否是由所述联盟链内的其它区块链节点发送的。Step f, verifying whether the data message is sent by other blockchain nodes in the consortium chain according to the public key information.
当联盟链内的区块链节点接收到数据报文后，该区块链节点会获取公钥信息，并根据所获取的公钥信息验证数据报文是否是由联盟链内的其它区块链节点发送的，以保证数据报文来源的可靠性。When the blockchain node in the consortium chain receives the data message, the blockchain node will obtain the public key information, and verify whether the data message is sent by other blockchains in the consortium chain according to the obtained public key information. sent by the node to ensure the reliability of the source of the data message.
进一步地，步骤f包括：Further, step f includes:
步骤f1，根据所述公钥信息验证通过私钥签名的数据报文。Step f1, verifying the data message signed by the private key according to the public key information.
步骤f2，若所述数据报文通过验证，则确认所述数据报文是由所述联盟链内的其它区块链节点发送的。Step f2, if the data message passes the verification, it is confirmed that the data message is sent by other blockchain nodes in the consortium chain.
步骤f3，若所述数据报文验证失败，则确认所述数据报文不是由所述联盟链的机构发送的。Step f3, if the verification of the data message fails, confirm that the data message is not sent by the organization of the consortium chain.
进一步地，根据所述公钥信息验证所述数据报文是否是由所述联盟链内的其它区块链节点发送的具体过程为：根据公钥信息验证通过私钥签名的数据报文。其中，数据报文是经过与公钥对应的私钥签名的。若通过该公钥信息能成功验证通过私钥信息签名的数据报文，则确认数据报文是由联盟链内的其它区块链节点发送的；若通过该公钥信息未能成功验证通过私钥信息签名的数据报文，即数据报文验证失败，则确认数据报文不是由联盟链内的机构发送的。Further, the specific process of verifying whether the data message is sent by other blockchain nodes in the consortium chain according to the public key information is: verifying the data message signed by the private key according to the public key information. Wherein, the data message is signed by the private key corresponding to the public key. If the data message signed by the private key information can be successfully verified through the public key information, it is confirmed that the data message was sent by other blockchain nodes in the alliance chain; The data message signed by the key information, that is, the data message verification fails, it is confirmed that the data message is not sent by the organization in the alliance chain.
本实施例通过在智能合约中存储数据报文签名私钥对应的公钥信息，在接收到数据报文后，通过该公钥信息验证数据报文是否是由联盟链内的区块链节点发送的，以保证数据报文来源的可靠性。In this embodiment, by storing the public key information corresponding to the private key of the data message signature in the smart contract, after receiving the data message, verify whether the data message is sent by the blockchain node in the alliance chain through the public key information to ensure the reliability of the source of data packets.
进一步地，提出本发明账户信息管理方法第五实施例。Further, a fifth embodiment of the account information management method of the present invention is proposed.
所述账户信息管理方法第五实施例与所述账户信息管理方法第一、第二、第三或第四实施例的区别在于，账户信息管理方法还包括：The difference between the fifth embodiment of the account information management method and the first, second, third or fourth embodiments of the account information management method is that the account information management method further includes:
步骤g，当与所述清算行区块链节点对应的清算行服务器接收到清算请求后，控制所述清算行服务器从所述清算行区块链节点获取所述账户信息。Step g, after the clearing bank server corresponding to the clearing bank blockchain node receives the clearing request, control the clearing bank server to obtain the account information from the clearing bank blockchain node.
步骤h，根据所获取的所述账户信息执行清算操作，得到清算结果，并通过所述清算行区块链节点将所述清算结果同步到所述联盟链的各个区块链节点中。Step h, perform a liquidation operation according to the acquired account information, obtain a liquidation result, and synchronize the liquidation result to each blockchain node of the alliance chain through the blockchain node of the clearing bank.
当与清算行区块链节点对应的清算行服务器接收到清算请求后，清算行服务器从清算行区块链节点获取账户信息，根据所获取的账户信息执行清算操作，得到清算结果。当清算行服务器得到清算结果后，清算行区块链节点会获取到该清算结果，并将该清算结果同步到联盟链内的各个区块链节点中。When the clearing bank server corresponding to the clearing bank blockchain node receives the clearing request, the clearing bank server obtains the account information from the clearing bank blockchain node, executes the clearing operation according to the acquired account information, and obtains the clearing result. After the clearing bank server obtains the clearing result, the clearing bank blockchain node will obtain the clearing result and synchronize the clearing result to each blockchain node in the consortium chain.
本实施例在需要清算时，由清算行服务器直接从对应的清算行区块链节点中获取账户信息中账户余额，执行清算操作。由于清算行区块链节点和发卡行区块链节点的账户信息是实时同步的，因此，清算行服务器可以进行实时清算。In this embodiment, when liquidation is required, the clearing bank server directly obtains the account balance in the account information from the corresponding clearing bank blockchain node, and executes the clearing operation. Since the account information of the clearing bank blockchain node and the issuing bank blockchain node are synchronized in real time, the clearing bank server can perform real-time clearing.
此外，本发明实施例还提出一种计算机可读存储介质，所述计算机可读存储介质上存储有账户信息管理程序，所述账户信息管理程序被处理器执行时实现如上文所述的账户信息管理方法。本发明计算机可读存储介质具体实施方式与上述账户信息管理方法各实施例基本相同，在此不再赘述。In addition, an embodiment of the present invention also proposes a computer-readable storage medium, on which an account information management program is stored, and when the account information management program is executed by a processor, the account information management program as described above is realized. Management method. The specific implementation manners of the computer-readable storage medium of the present invention are basically the same as the above embodiments of the account information management method, and will not be repeated here.
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。It should be noted that, in this document, the term "comprising", "comprising" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article or apparatus comprising a set of elements includes not only those elements, It also includes other elements not expressly listed, or elements inherent in the process, method, article, or device. Without further limitations, an element defined by the phrase "comprising a ..." does not preclude the presence of additional identical elements in the process, method, article, or apparatus comprising that element.
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments.
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，远程服务管理器，空调器，或者网络设备等)执行本发明各个实施例所述的方法。Through the description of the above embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus a necessary general-purpose hardware platform, and of course also by hardware, but in many cases the former is better implementation. Based on such an understanding, the essence of the technical solution of the present invention or the part that contributes to the prior art can be embodied in the form of software products, and the computer software products are stored in a storage medium (such as ROM/RAM, disk, CD) contains several instructions to make a terminal device (which can be a mobile phone, a computer, a remote service manager, an air conditioner, or a network device, etc.) execute the methods described in various embodiments of the present invention.
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。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 conversion made by using the description of the present invention and the contents of the accompanying drawings, or directly or indirectly used in other related technical fields , are all included in the scope of patent protection of the present invention in the same way.
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|---|---|---|---|
| CN201711363311.4ACN107993149B (en) | 2017-12-18 | 2017-12-18 | Account information management method, system and readable storage medium |
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| CN201711363311.4ACN107993149B (en) | 2017-12-18 | 2017-12-18 | Account information management method, system and readable storage medium |
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| CN107993149Atrue CN107993149A (en) | 2018-05-04 |
| CN107993149B CN107993149B (en) | 2022-02-01 |
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| CN201711363311.4AActiveCN107993149B (en) | 2017-12-18 | 2017-12-18 | Account information management method, system and readable storage medium |
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