Transaction settlement method based on blockchainTechnical Field
The invention relates to the technical field of blockchains, in particular to a transaction settlement method based on blockchains.
Background
Blockchains are currently widely used as a distributed ledger technique in financial systems as a bottom layer technique. In the financial business system, the security of the settlement business based on the blockchain is still a great difficulty in the current technology.
Disclosure of Invention
The invention aims to provide a transaction settlement method based on a blockchain, which improves the security of transaction settlement through two times of verification.
In order to achieve the above object, the present invention provides the following solutions:
a blockchain-based transaction settlement method, comprising:
the transaction initiator initiates transaction intent to the transaction receiver through a transaction third party, generates a transaction order, and uploads the transaction order to a blockchain, wherein an intelligent contract is preset on the blockchain;
the transaction receiver pays the commodity guarantee amount on the transaction order, and carries out first digital signature on the transaction order; simultaneously, the transaction initiator pays the commodity amount on the transaction order, and carries out second digital signature on the transaction order; the transaction third party is used for managing the commodity amount and the commodity guarantee amount, and performing first verification on the transaction order with the first digital signature, the transaction order with the second digital signature, the commodity amount and the commodity guarantee amount;
if the trade order passes the first verification, the trade receiving party sends the commodity on the trade order to the trade initiating party, the trade initiating party signs and checks the commodity on the trade order, a third digital signature is carried out on the trade order after checking and checking, and the trade third party carries out a second verification on the trade order with the third digital signature and the trade order with the second digital signature;
and if the transaction order passes the second verification, the transaction third party transfers the commodity amount paid by the transaction initiator to the transaction receiver.
Optionally, the transaction third party is a banking department.
Optionally, the first verification of the transaction order with the first digital signature, the transaction order with the second digital signature, the commodity amount, and the commodity guarantee amount specifically includes:
the commodity amount on the transaction order of the first digital signature is matched with the commodity amount paid by the transaction initiator;
the commodity transaction amount on the transaction order of the second digital signature is matched with the commodity guarantee amount of the transaction order paid by the transaction receiver in the commodity guarantee amount specified in the intelligent contract;
the first digital signature on the transaction order matches an authentication signature of the transaction recipient on a blockchain;
the second digital signature on the transaction order matches an authentication signature of the transaction initiator on a blockchain.
Optionally, the transaction third party performs a second verification on the third digitally signed order and the second digitally signed order, specifically including:
the third digital signature on the trade order matches the second digital signature on the trade order.
Optionally, the transaction third party performs a second verification of the transaction order of a third digital signature and the transaction order of a second digital signature, and further includes:
if the third digital signature on the trade order does not match the second digital signature on the trade order, the trade third party checks whether the third digital signature is authorized by the trade initiator;
if the transaction is authorized by the transaction initiator, the second verification is passed, otherwise the verification fails.
According to the specific embodiment provided by the invention, the invention discloses the following technical effects: the transaction settlement method based on the blockchain provided by the invention comprises the following steps: the transaction initiator generates a transaction order to the transaction receiver through a transaction third party and uploads the transaction order to a blockchain of a preset intelligent contract; the transaction receiver pays the commodity guarantee amount and performs a first digital signature; the transaction initiator pays the commodity amount and carries out second digital signature; the third-party transaction generation carries out first verification on the transaction order with the first digital signature, the transaction order with the second digital signature, the commodity amount and the commodity guarantee amount; the first verification passes, the transaction receiver sends commodities on the transaction order, the transaction initiator signs and checks the commodities, the third digital signature is carried out after the checking and the confirmation, and the transaction third party carries out the second verification on the transaction order with the third digital signature and the transaction order with the second digital signature; and if the second verification passes, the third party transfers the commodity amount to the transaction receiver. The invention improves the safety of transaction settlement through two times of verification.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions of the prior art, the drawings that are needed in the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a blockchain-based transaction settlement method according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The invention aims to provide a transaction settlement method based on a blockchain, which improves the security of transaction settlement through two times of verification.
In order that the above-recited objects, features and advantages of the present invention will become more readily apparent, a more particular description of the invention will be rendered by reference to the appended drawings and appended detailed description.
Fig. 1 is a flowchart of a transaction settlement method based on a blockchain according to an embodiment of the present invention, as shown in fig. 1, where the transaction settlement method based on a blockchain according to the embodiment of the present invention includes:
the transaction initiator initiates transaction intent to the transaction receiver through a transaction third party, generates a transaction order, and uploads the transaction order to a blockchain, wherein an intelligent contract is preset on the blockchain;
the transaction receiver pays the commodity guarantee amount on the transaction order, and carries out first digital signature on the transaction order; simultaneously, the transaction initiator pays the commodity amount on the transaction order, and carries out second digital signature on the transaction order; the transaction third party is used for managing the commodity amount and the commodity guarantee amount, and performing first verification on the transaction order with the first digital signature, the transaction order with the second digital signature, the commodity amount and the commodity guarantee amount;
if the trade order passes the first verification, the trade receiving party sends the commodity on the trade order to the trade initiating party, the trade initiating party signs and checks the commodity on the trade order, a third digital signature is carried out on the trade order after checking and checking, and the trade third party carries out a second verification on the trade order with the third digital signature and the trade order with the second digital signature;
and if the transaction order passes the second verification, the transaction third party transfers the commodity amount paid by the transaction initiator to the transaction receiver.
The transaction third party is a banking department.
The first verification of the transaction order with the first digital signature, the transaction order with the second digital signature, the commodity amount and the commodity guarantee amount specifically includes:
the commodity amount on the transaction order of the first digital signature is matched with the commodity amount paid by the transaction initiator;
the commodity transaction amount on the transaction order of the second digital signature is matched with the commodity guarantee amount of the transaction order paid by the transaction receiver in the commodity guarantee amount specified in the intelligent contract;
the first digital signature on the transaction order matches an authentication signature of the transaction recipient on a blockchain;
the second digital signature on the transaction order matches an authentication signature of the transaction initiator on a blockchain.
The transaction third party performs a second verification of the order with a third digital signature and the order with a second digital signature, and specifically includes:
the third digital signature on the trade order matches the second digital signature on the trade order.
The transaction third party performing a second verification of the transaction order of a third digital signature and the transaction order of a second digital signature, further comprising:
if the third digital signature on the trade order does not match the second digital signature on the trade order, the trade third party checks whether the third digital signature is authorized by the trade initiator;
if the transaction is authorized by the transaction initiator, the second verification is passed, otherwise the verification fails.
The transaction settlement method based on the blockchain provided by the invention comprises the following steps: the transaction initiator generates a transaction order to the transaction receiver through a transaction third party and uploads the transaction order to a blockchain of a preset intelligent contract; the transaction receiver pays the commodity guarantee amount and performs a first digital signature; the transaction initiator pays the commodity amount and carries out second digital signature; the third-party transaction generation carries out first verification on the transaction order with the first digital signature, the transaction order with the second digital signature, the commodity amount and the commodity guarantee amount; the first verification passes, the transaction receiver sends commodities on the transaction order, the transaction initiator signs and checks the commodities, the third digital signature is carried out after the checking and the confirmation, and the transaction third party carries out the second verification on the transaction order with the third digital signature and the transaction order with the second digital signature; and if the second verification passes, the third party transfers the commodity amount to the transaction receiver. The invention improves the safety of transaction settlement through two times of verification.
The principles and embodiments of the present invention have been described herein with reference to specific examples, the description of which is intended only to assist in understanding the methods of the present invention and the core ideas thereof; also, it is within the scope of the present invention to be modified by those of ordinary skill in the art in light of the present teachings. In view of the foregoing, this description should not be construed as limiting the invention.