CN107369008A - For improving management method, the apparatus and system of bill business security - Google Patents

Abstract

A kind of this disclosure relates to management method, apparatus and system for being used to improve bill business security.The management method for being used to improve bill business security includes：Subscriber information management and member identity identification are carried out based on block chain technology；Electronic bill is generated using block chain technology；The transaction of the electronic bill is carried out on block chain.The disclosure can improve the transaction security of electronic bill by block chain technology.

Description

Management method, device and system for improving security of bill transaction

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a management method, device, and system for improving security of a ticket transaction.

Background

The commercial draft is issued by the drawer, the payer is entrusted to unconditionally pay the determined amount of money to the bill of the payee or the ticket holder on the appointed date, and the bill can be circulated after an effective seal is added on the bill depending on the bill.

The commercial draft is one of the main bill varieties, has the functions of payment settlement and short-term financing, and plays an important role in meeting the payment requirements of enterprises, widening financing channels, reducing financial expenses, improving the payment service level of commercial banks, strengthening the management of assets and liabilities and enriching the money policy means of central banks.

In recent years, along with the continuous improvement of the financial electronization level and the perfection of financial infrastructure in China, bank drafts, bank bills and checks are electronized to different degrees in the aspect of bill business, and the safety and the efficiency are greatly improved. However, the electronic steps of the commercial drafts are relatively lagged, and the business processing of the commercial drafts basically adopts the traditional manual and paper modes, so that the efficiency is low, the risk is high, and the further development of the commercial drafts is not facilitated. Beginning in 2005, although some commercial banks in China actively explored and tried in terms of bill electronization and electronic bill application, the business development was greatly limited due to the lack of a unified bill centralized registration mechanism and a cross-bank transaction platform.

With the development of the domestic bill business and the bill market, how to unify, credible and highly efficient electronic commercial drafts is a core problem to be considered. At present, many financial enterprises and institutions put forward a unified electronic commercial draft information management service platform which is used for receiving, storing and sending electronic commercial draft data messages and providing services related to electronic commercial draft currency payment and fund clearing behaviors by relying on network and computer technologies so as to solve the problems. However, the current public network environment and storage mechanism are not very sound, and the problems of information counterfeiting, information loss and the like exist.

An Electronic Commercial Draft System (Electronic Commercial Draft System) is built and managed by people's banks in China, provides services related to Electronic Commercial Draft money paying and fund clearing behaviors, and provides a business processing platform for paper Commercial Draft registration and inquiry service and Commercial Draft transfer and public quotation service.

The electronic commercial draft service processing function module is a core module of the electronic commercial draft system. The electronic commercial draft service processing functions mainly comprise:

1. answering (how to sign for an electronic commercial draft) when an opposite party sends an electronic ticket;

2. ticketing inquiry (how to inquire about a held ticket);

3. prompting for payment (how the ticket holder withdraws the ticket money after the ticket expires);

4. cash-out (the note is not due, how the holder is hurried to withdraw money);

5. endorsements (how to transfer the e-ticket to others);

6. drawing a ticket (how to issue an electronic ticket to the other party);

7. bill status (bill status when the enterprise goes through the bank to transact response, draw a bill, endorse a book, and prompt payment operation).

However, the prior art has the following disadvantages: the integrity and transparency of the information of the trader (a system trader, a system participant or a user) and the commercial draft are low, the problems of counterfeiting of the trade background and the like can exist, and higher trading risk exists; if the network attack or the storage is abnormal, the risk of information tampering, losing and the like exists; the transaction process is not standard, the record is incomplete, and the phenomena of discontinuous endorsement and multi-selling of the electronic commercial draft exist; multiple complex audits are required, the audits are difficult, the cost is high, and the efficiency is low; the transaction process is too dependent on the intermediary.

Therefore, a new management method, device and system for improving the security of the ticket transaction is needed.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.

Disclosure of Invention

An object of the present disclosure is to provide a management method, apparatus and system for improving security of a ticket transaction, thereby overcoming, at least to some extent, one or more problems due to limitations and disadvantages of the related art.

Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.

According to one aspect of the present disclosure, there is provided a management method for improving security of a ticket transaction, comprising: performing user information management and member identity authentication based on a block chain technology; generating an electronic bill by using a block chain technology; the transaction of the electronic ticket is conducted over a blockchain.

In an exemplary embodiment of the present disclosure, the performing user information management and member identity authentication based on the blockchain technique includes: acquiring user information of a user and distributing a member number to the user; calling member management service of the block chain to guide and generate a local public key/private key, and distributing a unique identifier for the user; auditing the user information to obtain a rating result; and distributing a data encryption public key/private key, writing the user information and the rating result into the block chain, and issuing the user information and the rating result to other nodes in the block chain.

In an exemplary embodiment of the present disclosure, the generating an electronic ticket using a blockchain technique includes: receiving a transaction application sent by a user and carrying out user qualification verification; when the verification is successful, receiving bill information of the user; auditing and evaluating the bill information to obtain an auditing score; and writing the bill information and the audit score into a block chain, generating an electronic bill of the block chain, distributing a unique identifier, and issuing the electronic bill to other nodes in the block chain.

In an exemplary embodiment of the present disclosure, the conducting the transaction of the electronic ticket on the blockchain includes: receiving a transaction request initiated by a user; when the transaction request meets a transaction rule, entering a corresponding business process; auditing and checking the transaction request according to a preset business rule and a preset law; when the transaction is verified, recording each transaction by using a distributed book of the block chain and marking a complete timestamp; and writing the updated bill information and the transaction result into the blockchain and issuing the bill information and the transaction result to other nodes in the blockchain.

In an exemplary embodiment of the present disclosure, the method further comprises: configuring a business rule on the intelligent contract service according to corresponding business logic, and storing the business rule into a block chain contract state storage; and (5) butting a law and regulation supervision mechanism, and configuring a law and regulation supervision model.

In an exemplary embodiment of the present disclosure, the conducting the transaction of the electronic ticket over the blockchain further comprises: and calling a data query API interface to collect and evaluate the credit of the transaction counter side and control the risk in real time.

According to an aspect of the present disclosure, there is provided a management apparatus for improving security of a ticket transaction, including: the user security management module is used for carrying out user information management and member identity authentication based on a block chain technology; the bill security management module is used for generating an electronic bill by using a block chain technology; and the transaction process security management module is used for performing transaction of the electronic bill on the blockchain.

According to one aspect of the present disclosure, there is provided a management system for improving security of electronic ticket transactions, the system comprising an application layer, a business layer and a base service layer; the application layer comprises a blockchain bill management system, and the blockchain bill management system is a platform for a user to participate in system transaction; the business layer comprises member management, bill management and transaction management; the base services layer includes data storage services, blockchain services, and API interfaces.

In an exemplary embodiment of the present disclosure, the functions of the member management include member registration, member audit, profile management, member information management; the bill management function comprises bill examination, bill drawing and bill state change; the transaction management function comprises bill acceptance, pledge, transfer and cash-out business management.

In an exemplary embodiment of the present disclosure, the data storage service includes a legacy database, a blockchain technology grace period backup database, and blockchain storage; the block chain service comprises a member service, a consensus mechanism and an intelligent contract; the API interface comprises a transaction initiation API interface, a member management API interface, a data query API interface and a node information viewing API interface.

According to an aspect of the present disclosure, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor implements the management method for improving security of a ticket transaction in the above embodiments.

According to an aspect of the present disclosure, there is provided an electronic device including: one or more processors; and storage means for storing one or more programs; when the one or more programs are executed by the one or more processors, the one or more processors implement the management method for improving the security of the ticket transaction in the above embodiments.

According to the management method, the management device and the management system for improving the security of the bill transaction, provided by the exemplary embodiment of the disclosure, on one hand, the authenticity and the reliability of information of a trader and a bill can be provided, the problem of message asymmetry is eliminated, and the transaction risk is reduced; on the other hand, the transaction of the electronic bill is carried out on the block chain, and the information safety can be improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty.

Fig. 1 schematically shows a system architecture diagram to which the management method for improving security of a ticket transaction or the management apparatus for improving security of a ticket transaction of the present application can be applied.

Fig. 2 schematically illustrates a flow chart of a management method for improving security of a ticket transaction in an exemplary embodiment of the present disclosure.

Fig. 3 schematically shows a flowchart of another management method for improving security of a ticket transaction in an exemplary embodiment of the present disclosure.

Fig. 4 schematically illustrates a flow chart for improving user security in an exemplary embodiment of the present disclosure.

Fig. 5 schematically illustrates a flow chart for improving ticket security in an exemplary embodiment of the present disclosure.

Fig. 6 schematically illustrates a flow chart for improving security of a transaction process in an exemplary embodiment of the disclosure.

Fig. 7 schematically shows a module diagram of a management device for improving security of a ticket transaction in an exemplary embodiment of the present disclosure.

Fig. 8 schematically shows an architecture diagram of a management system for improving security of a ticket transaction in an exemplary embodiment of the present disclosure.

Fig. 9 schematically illustrates a flow chart of member identity authentication in an exemplary embodiment of the present disclosure.

FIG. 10 schematically illustrates a flow chart for generating an electronic commercial draft in an exemplary embodiment of the disclosure.

FIG. 11 schematically illustrates a flow chart for acceptance of a commercial draft in an exemplary embodiment of the disclosure.

FIG. 12 schematically illustrates a flow chart of a commercial draft posting in an exemplary embodiment of the present disclosure.

Fig. 13 schematically illustrates a block diagram of an electronic device in an exemplary embodiment of the present disclosure.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.

Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.

Some terms mentioned in the present disclosure are first explained by way of explanation.

Block chain (Block Chains): the blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. The consensus mechanism is a mathematical algorithm for establishing trust and obtaining rights and interests among different nodes in the blockchain system. Blockchain-original blockchain-is a decentralized database that contains a list of what are called tiles with continuously growing and aligned records. Each tile contains a timestamp and a link to the previous tile: the blockchain is designed so that the data is not tamperable-once recorded, the data in one block will not be reversible.

Federation/alliance/industry Block chain (Consortium Block Chains): a plurality of preselected nodes are designated as bookkeepers by a group, the generation of each block is determined by all the preselected nodes (the preselected nodes participate in the consensus process), other access nodes can participate in the transaction, but the bookkeepers of each block are determined to be main risk points of the block chain by how much preselected nodes are determined to be bookkeepers of the block chain (the bookkeepers are managed by nature and are just distributed bookkeepers), and any other person can perform limited inquiry through an Application Programming Interface (API) opened by the block chain.

Characteristics of blockchains include:

decentralization: due to the use of distributed accounting and storage, centralized hardware or management mechanisms do not exist, the rights and obligations of any node are equal, and data blocks in the system are commonly maintained by nodes with maintenance functions in the whole system.

Opening property: the system is open, except that the private information of each transaction party is encrypted, the data of the block chain is public to all people, and anyone can inquire the data of the block chain and develop related applications through a public interface, so that the information of the whole system is highly transparent.

Autonomy: the blockchain adopts the specification and protocol (such as a set of public transparent algorithm) based on the consistency of negotiation, so that all nodes in the whole system can freely and safely exchange data in a distrust environment, the trust of people is changed into the trust of machines, and any human intervention does not work.

The information is not falsifiable: once the information is validated and added to the blockchain, it is permanently stored, and unless more than 51% of the nodes in the system can be controlled simultaneously, the database modifications at the individual nodes are invalid, so the data stability and reliability of the blockchain is extremely high.

Anonymity: because the exchange among the nodes follows a fixed algorithm, the data interaction is not required to be trusted (the program rule in the block chain can judge whether the activity is effective or not), and therefore, a counterparty does not need to generate trust by the counterparty in a public identity mode, and the method is very helpful for the accumulation of credit.

The block chain core technique includes:

the first is a distributed account book, namely transaction accounting is completed by a plurality of nodes in different places together, and each node records a complete account, so that the nodes can participate in monitoring transaction validity and simultaneously make a proof for the node together. Unlike traditional centralized billing schemes, no one node can record accounts separately, thereby avoiding the possibility of a single biller being controlled or bribered to account. On the other hand, as the accounting nodes are enough, the account can not be lost theoretically unless all the nodes are damaged, so that the safety of the account data is ensured.

The second technique, asymmetric encryption and authorization, is where the transaction information stored on the blockchain is public, but the account identity information is highly encrypted and only accessible under the authorization of the owner of the data, thus ensuring the security of the data and privacy of the individual.

The third is a consensus mechanism, which is how to achieve consensus among all accounting nodes to identify the validity of a record, and is a means for identification and a means for preventing tampering. The block chain provides four different consensus mechanisms, is suitable for different application scenarios, and balances efficiency and safety. Taking bitcoins as an example, workload proofs are used that it is possible to falsify a record that does not exist only if accounting nodes that control more than 51% of the total network are involved. When enough nodes are added to the blockchain, the method is basically impossible, and therefore the possibility of counterfeiting is eliminated.

The last technical feature is called intelligent contract, which is based on the credible and non-falsifiable data and can automatically execute some predefined rules and terms. Taking insurance as an example, if it is said that every individual's information (including medical information and risk occurrence information) is authentic, it is easy to automatically settle the claim in some standardized insurance products. An intelligent contract is a set of commitments defined in digital form, including agreements on which contract participants can enforce the commitments.

Distributed: distributed computing is a computer science that studies how to divide a problem that needs huge computing power to solve into many small parts, then distribute the parts to many computers for processing, and finally integrate the computing results to obtain a final result. The distributed network storage technology is to store data on a plurality of independent machine devices in a distributed manner. The distributed network storage system adopts an expandable system structure, utilizes a plurality of storage servers to share storage load, and utilizes the position server to position storage information, thereby not only solving the bottleneck problem of a single storage server in the traditional centralized storage system, but also improving the reliability, the availability and the expansibility of the system.

API: application programming interfaces are predefined functions that are intended to provide applications and developers the ability to access a set of routines based on certain software or hardware without accessing source code or understanding the details of the internal workings.

Pasting: the cash-out refers to the business that after the long-term draft is accepted, the draft holder transfers on the cash-out market before the draft is not due, and the transferee deducts the cash-out information and pays the bill to the behavior of the transferee or the bank to purchase the unexpired bill.

Carrying out a book: the endorsement refers to the bill action of recording related matters on the back of the draft or on the sticky note and signing the seal by the ticket holder for the purpose of transferring the draft right or granting a certain draft right to others.

Carrying out acceptance: i.e., acceptance of a commitment, is the act of a payer signing a letter on a draft to indicate that the commitment will assume payment obligations in the future when the draft is due. The act of acceptance occurs only in connection with the activities of the forward draft. Acceptance of the draft, check and draft on-demand is not possible.

Fig. 1 schematically shows a system architecture diagram to which the management method for improving security of a ticket transaction or the management apparatus for improving security of a ticket transaction of the present application can be applied.

As shown in fig. 1, the system architecture 100 may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the terminal devices 101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The terminal devices 101, 102, 103 may have various communication client applications installed thereon, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, and the like.

The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server that provides various services, such as a background management server that provides support for users to submit various data using the terminal devices 101, 102, 103, and the like. The background management server can analyze and process the received data and feed back the processing result to the terminal equipment.

It should be noted that the management method for improving the security of the ticket transaction provided in the embodiment of the present application is generally executed by the server 105, and accordingly, a management device for improving the security of the ticket transaction is generally disposed in the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Fig. 2 schematically illustrates a flow chart of a management method for improving security of a ticket transaction in an exemplary embodiment of the present disclosure. As shown in fig. 2, the management method for improving the security of the ticket transaction may include the following steps.

In step S110, user information management and member identity authentication are performed based on the blockchain technique.

The Block Chain (Block Chain) is an important concept of the bitcoin, is essentially a decentralized database, and is simultaneously used as a bottom technology and an infrastructure of the bitcoin. The block chain is a series of data blocks which are associated by using a cryptographic method, and each data block contains information of one bitcoin network transaction, so that the validity (anti-counterfeiting) of the information is verified and the next block is generated. In a narrow sense, the blockchain is a distributed account book which is a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence and is guaranteed in a cryptographic mode and cannot be tampered and forged. In a broad sense, the blockchain technique is a completely new distributed infrastructure and computing paradigm that utilizes blockchain data structures to authenticate and store data, utilizes distributed node consensus algorithms to generate and update data, cryptographically secures data transmission and access, and utilizes intelligent contracts composed of automated script code to program and manipulate data. Blockchain design is a protective measure, such as (applied to) highly fault-tolerant distributed computing systems. Block chains enable mixed consistency. This makes the blockchain suitable for recording events, titles, medical records and other activities requiring the inclusion of data, identification management, transaction flow management and provenance management. The blockchain has huge potential for financial off-media and has huge influence on leading global trade. Blockchains are a Distributed transaction verification and data sharing technique, also known as Distributed Shared ledgers (Distributed Shared ledgers).

In an exemplary embodiment, the user information management and member identity authentication based on the blockchain technology may include: acquiring user information of a user and distributing a member number to the user; calling member management service of the block chain to guide and generate a local public key/private key, and distributing a unique identifier for the user; auditing the user information to obtain a rating result; and distributing a data encryption public key/private key, writing the user information and the rating result into the block chain, and issuing the user information and the rating result to other nodes in the block chain.

In step S120, an electronic ticket is generated using a blockchain technique.

The documents mentioned in the embodiments of the present invention may include any kind of negotiable documents requiring evidence of deposit, which is not limited by the present disclosure, and in the following embodiments, the documents of the type of the commercial draft are exemplified, but do not limit the scope of the present disclosure.

In an exemplary embodiment, the generating an electronic ticket using the blockchain technique may include: receiving a transaction application sent by a user and carrying out user qualification verification; when the verification is successful, receiving bill information of the user; auditing and evaluating the bill information to obtain an auditing score; and writing the bill information and the audit score into a block chain, generating an electronic bill of the block chain, distributing a unique identifier, and issuing the electronic bill to other nodes in the block chain.

In step S130, the transaction of the electronic ticket is performed on the blockchain.

In an exemplary embodiment, said transacting the electronic ticket on the blockchain may comprise: receiving a transaction request initiated by a user; when the transaction request meets a transaction rule, entering a corresponding business process; auditing and checking the transaction request according to a preset business rule and a preset law; when the transaction is verified, recording each transaction by using a distributed book of the block chain and marking a complete timestamp; and writing the updated bill information and the transaction result into the blockchain and issuing the bill information and the transaction result to other nodes in the blockchain.

In an exemplary embodiment, the method may further include: configuring a business rule on the intelligent contract service according to corresponding business logic, and storing the business rule into a block chain contract state storage; and (5) butting a law and regulation supervision mechanism, and configuring a law and regulation supervision model.

In an exemplary embodiment, said transacting the electronic ticket on the blockchain may further comprise: and calling a data query API interface to collect and evaluate the credit of the transaction counter side and control the risk in real time.

According to the management method for improving the security of the bill transaction, provided by the embodiment of the disclosure, through a block chain technology, on one hand, the authenticity and reliability of information of a trader and a bill such as a commercial draft can be improved, the problem of information asymmetry is eliminated, and the transaction risk is reduced; on the other hand, the characteristics that the block chain has the data consistency storage, the data cannot be tampered and the data cannot be repudiated are utilized, the commercial draft storage, the transfer and the transaction are carried out on the block chain, and the information safety is improved. Meanwhile, in some embodiments, each trend of a bill such as a commercial draft can be clearly seen by using the block chain, so that the phenomena of cheating and renting in value exchange and transfer are fundamentally solved, the continuity of endorsement of the electronic commercial draft is improved, and the bill is prevented from being sold for many times. In addition, in other embodiments, the transaction process can be simplified and the efficiency can be improved by formulating a general business rule and an auditing mechanism. By means of the attribute that the blockchain technology is disclosed and cannot be tampered, a decentralized trust mechanism is established, and interference of intermediaries in the transaction process is eliminated.

The embodiment of the invention combines the bill (such as the commercial draft) and the block chain technology to construct a management system, and the system takes the block chain technology as the core technology to improve the safety of the system trader, namely the user, the commercial draft and the trading process so as to ensure the trading safety of the bill (such as the commercial draft).

Fig. 3 schematically shows a flowchart of another management method for improving security of a ticket transaction in an exemplary embodiment of the present disclosure.

As shown in fig. 3, the management method for improving the security of the ticket transaction may include the following steps.

In step S210, user security is improved.

In the embodiment of the present invention, the method for improving user security may further include the following steps:

1. storing user registration information and assigning member numbers;

2. guiding a user to generate a local public key/private key;

3. the expert group grants corresponding authority to the user information auditing and rating;

4. distributing a data encryption public key/private key and writing user information and a rating result into a block chain;

5. and issuing information to other nodes.

Specific implementations may be further described with reference to fig. 4 below.

In step S220, ticket security is improved.

In an embodiment of the present invention, the security of the ticket, such as a commercial draft, may further comprise the steps of:

1. receiving a transaction application initiated by a user and verifying user qualification;

2. receiving the business ticket information of a user;

3. the expert group audits the business ticket information and gives an audit suggestion;

4. the system generates a block chain electronic commercial draft and distributes a unique identifier;

5. and issuing information to other nodes.

Specific implementations may be further described with reference to fig. 5 below.

In step S230, the transaction process security is improved.

In an embodiment of the present invention, the improving security of the transaction process may further include the following steps:

1. making a business process;

2. butting against legal regulation supervision departments;

3. recording the transaction state and the bill state;

4. and issuing information to other nodes.

Specific implementations may be further described with reference to fig. 6 below.

Fig. 4 schematically illustrates a flow chart for improving user security in an exemplary embodiment of the present disclosure. As shown in fig. 4, the improving of the user security may include the following steps.

In step S211, when the user performs system registration, the user type is determined, and user information is acquired.

In this step, user information is acquired: when a user registers the system, the user fills in registration information and submits a registration application, firstly, the type of the user is judged, if the supplier is XX (such as a certain E-business platform), the qualification information is displayed to the user for confirmation, and if the supplier is not XX, the user is guided to submit the qualification information. And then stores the user information and assigns member numbers to the users.

In step S212, a member management service of the blockchain is invoked, and the user is guided to generate a local public/private key.

In this step, a unique identifier is assigned to the user (the unique identifier and the member number in step S211 are not matched and are matched with each other): and calling member management service of the block chain through a member management API (application programming interface), providing a member registration function for a system trader, and guiding a user to generate a local public key/private key.

It should be noted that the registration information in step S211 is basic information registered at the management system level, and the registration function in step S212 is to provide a blockchain registration service for the user, where the blockchain has a member management service, and a local public key/private key is generated by the service for logging in the system.

In step S213, identity authentication, credit investigation information reference, and temporary audit group audit evaluation.

In this step, after entering an audit stage, the user and the registration information thereof are audited and rated, and the main audit mode may include: identity authentication, credit investigation information reference and temporary auditing group auditing and evaluating results. The identity authentication mainly verifies the identity of a user, and verifies whether information submitted by the user and uploaded certificate information are real or not; and screening and forming the temporary auditing group members from the auditing group members according to the field, industry and the like of the user, and performing auditing evaluation on the aspects of user credit information, trade background and the like by the temporary auditing group in a comprehensive way and giving a consistent auditing result. And different system permissions can be granted to the user according to different ratings.

Wherein the rating result (or audit result) may include but is not limited to: high-quality users (direct transaction authority), general users (transaction authority after applying authorization), high-risk users (unable to trade authority), and the like.

In step S214, the data encryption public/private key is distributed, the user information and the audit result are written into the block chain, and the user access information is issued to other nodes.

In which user information is written/recorded to the blockchain: and distributing the data encryption public key/private key, writing the user information and the auditing result into the block chain, and issuing user admission information (the user admission information is only user admission notification information) to other nodes.

It should be noted that the local public/private key in step S212 is used to encrypt the user information, and the data encryption public/private key distributed in step S214 is used to encrypt the data, not the user information.

Fig. 5 schematically illustrates a flow chart for improving ticket security in an exemplary embodiment of the present disclosure. As shown in fig. 5, the improvement of the security of the ticket may include the following steps.

In step S221, the system receives a transaction application issued by the user, performs user qualification verification, and receives commercial draft information of the user after the user qualification verification is passed.

In this step, the source of the draft, for example a commercial draft, is checked: the system receives a transaction application sent by a user, carries out user qualification verification and receives user bill information such as commercial draft information after the user qualification verification is passed.

In step S222, a temporary audit group is formed by screening from the audit group members according to the field, region, and the like to which the ticket belongs.

In this step, a (temporary) audit group is established (the audit group is extracted from the expert group and is not fixed): the audit rating work is responsible for the temporary audit group, and the temporary audit group members are screened from the audit group members according to the field (divided according to the industry of the bill issuing enterprise) to which the bill belongs, the region and the like.

In step S223, an audit model may be formed according to an adjustment based on the basic model provided by the system.

In this step, an audit model is constructed: the audit model can be formed by adjusting based on the basic model provided by the system. The basic auditing model can comprise basic financial information, production and management conditions, financing conditions, bank loan and credit granting conditions and the like, and the weight occupied by each content can be adjusted. The basic model can comprise all options, then the weight ratio is reasonably distributed, and on the basis, according to the actual requirement, part of the weight ratio can be adjusted to be 0, namely the weight can not be considered.

In step S224, a weighted average is performed on the model evaluation results of the temporary review group members to obtain a review score.

Where an audit score is performed. For example, the model evaluation results of the temporary review group members may be combined and weighted and averaged to obtain the final rating result. The weighted average calculation method may be: rank score (or audit score) ═ Σ (model per score weight);

in step S225, the merchant ticket content and audit score are written to the blockchain.

In this step, the blockchain is written with the ticket information (all information on the ticket (short for commercial draft) can be referred to here): after the audit rating is carried out, writing the business ticket content and the rating result into the block chain, generating the block chain electronic commercial draft and distributing a unique identifier; and distributes ticket information to its nodes. And writing the business draft information and the rating result into a block chain database, configuring an electronic business draft template at the front end, and capturing each stored information record through an application program to obtain the electronic business draft.

Fig. 6 schematically illustrates a flow chart for improving security of a transaction process in an exemplary embodiment of the disclosure. As shown in fig. 6, the improving security of the transaction process may include the following steps.

In step S231, the business expert configures the business rules on the intelligent contract service according to the corresponding business logic.

In this step, business rules are configured: the transaction process depends on the intelligent contract service of the block chain, and the business expert configures the business rules on the intelligent contract service according to the corresponding business logic and stores the business rules in the block chain contract state storage.

In step S232, a law and regulation supervision agency is docked, a law and regulation supervision model is configured, and the whole transaction behavior process is affected.

In this step, the transaction flow is regulated by law: and a law and regulation supervision mechanism is connected, a law and regulation supervision model is configured, the whole process of transaction behaviors is influenced, and the problem of the legality of basic transaction is solved. For example, firstly, several models are set according to the regulatory scope of laws and regulations, keywords are indicated, then the transaction information is retrieved according to the keywords, and the retrieval result is matched with the models.

In step S233, the system trader initiates a trade request through the trade initiation API, and invokes different intelligent contract services according to the different trade types.

In this step, an intelligent transaction is implemented: the system trader initiates trade application/request through the trade initiation API of the block chain, and calls different intelligent contract services according to the different trade types (such as acceptance and discount).

The intelligent contract service refers to business rules implemented by using a block chain technology. Configuration in the system, such as acceptance service, may configure acceptance contracts and discount service configuration discount contracts, depending on the actual needs of the service system.

In step S234, the trading participants can also collect, evaluate and manage the trading partners' credit in real time by calling the data query API.

In the step, the real-time transaction object information query is realized: the trading participants can also collect, evaluate and manage the credit of trading partners in real time by calling a data query API.

In step S235, the system specifies that the entire transaction process needs to be completed on the system platform, records each transaction with the distributed ledger of the blockchain and marks the full timestamp.

In this step the transaction process is accurately recorded: the system formulates that the whole transaction process needs to be completed on a system platform, each transaction is recorded by using a Distributed Ledger (Distributed Ledger) of a block chain, and a complete timestamp is marked, so that the transaction behavior is ensured to be completely recorded and traceable; recording the transaction result and marking the transaction state, wherein the electronic commercial draft state attributes comprise expired, unexpired, accepted, posted and the like, and marking the corresponding state according to the transaction result. And issues the results to other nodes.

Fig. 7 schematically shows a module diagram of a management device for improving security of a ticket transaction in an exemplary embodiment of the present disclosure.

As shown in fig. 7, the management apparatus 100 for improving security of ticket transactions may include a user security management module 110, a ticket security management module 120, and a transaction process security management module 130.

The user security management module 110 may be used for user information management and member identity authentication based on the blockchain technology.

The ticket security management module 120 may be used to generate electronic tickets using blockchain techniques.

Transaction process security management module 130 can be used to conduct transactions of the electronic instrument over the blockchain.

It should be noted that: the specific details of each module unit in the management apparatus for improving the security of the ticket transaction have been described in detail in the corresponding management method for improving the security of the ticket transaction, and are not described herein again.

Further, the embodiment of the disclosure also provides a management system for improving the safety of electronic bill transaction, and the system can comprise an application layer, a business layer and a basic service layer.

The application layer may include a blockchain ticket management system, which is a platform for users to participate in system transactions.

The business layer may include member management, ticket management, and transaction management.

In an exemplary embodiment, the functions of the member management may include member registration, member audit, profile management, member information management; the bill management function can comprise bill examination, bill drawing and bill state change; the transaction management functions may include ticket acceptance, pledge, transfer, cash-out business management.

The base services layer may include data storage services, blockchain services, and API interfaces.

In an exemplary embodiment, the data storage services may include a legacy database, a blockchain technology grace period backup database, and blockchain storage; the blockchain services may include member services, consensus mechanisms, and intelligent contracts; the API interfaces may include a transaction initiation API interface, a member management API interface, a data query API interface, and a node information view API interface.

Fig. 8 schematically shows an architecture diagram of a management system for improving security of a ticket transaction in an exemplary embodiment of the present disclosure. As shown in fig. 8, the embodiment of the present invention exemplifies the management system for improving the security of the electronic ticket transaction by taking a commercial draft (referred to as "commercial draft" for short) as an example.

As shown in fig. 8, the system architecture of the blockchain electronic commercial draft management system is mainly divided into an application layer, a business layer and a basic service layer.

The application layer can comprise a blockchain merchant ticket management system and a background operation system, wherein the blockchain merchant ticket management system is a platform for a trader to participate in system trading. The background operation system is an entrance for system maintenance operators to maintain the system.

The business layer mainly comprises three parts of member management, bill management and transaction management. The member management functions may include member registration, member audit, profile management (managing profile information of members), member information management. The bill management functions may include bill validation, ticket production, bill status change. Transaction management functions may include merchant ticket acceptance, pledge, transfer, cash-out business management.

The basic service layer mainly comprises three parts, namely a data storage service, a block chain service and an API (application program interface). The data stores include a conventional database (which may be used to store system information), a blockchain technology grace period backup database (which may be used to backup blockchain data), and blockchain stores (including contract state store, trade store, and blockchain data store in fig. 8, which may be used to store member information, merchant ticket information, trade information). The blockchain services may include, among other things, member services, consensus mechanisms, and intelligent contracts. The API interfaces may include a transaction initiation interface, a membership management interface, a data query interface, and a node information view interface (view node status information usage, call when needed to view node status), etc.

Wherein, PBFT in the consensus mechanism of fig. 8 is an abbreviation of Practical Byzantine Fault Tolerance, which means that the Byzantine Fault-tolerant algorithm is used and is an algorithm name.

The business process of the embodiment of the present invention is described below with reference to fig. 9-12.

Fig. 9 schematically illustrates a flow chart of member identity authentication in an exemplary embodiment of the present disclosure. As shown in fig. 9, the member identity authentication may include the steps of:

1.1 suppliers & other organizations fill in relevant user information and submit registration applications, including user type, channel selection (channel refers to peripheral system accessing block chain commercial draft system, and may be the respective accounting system of each organization), etc.

1.2 the system authenticates the user, saves the user information and distributes member number, then the system guides the user to generate local public/private key.

1.3 the system operator checks the register information of the trader through an auditing function (audit), after the audit is passed, the trader is distributed with digital certificate/public key/private key information (namely, the local public key/private key is used for encrypting user information), and then the trader information (namely, the user information and the audit result are included) is written into the block chain and is issued to all users in the block chain (corresponding to calling block chain API information in FIG. 9 and written into the chain).

It should be noted that accounting is the characteristic of the block chain, this action of writing into the block chain is called accounting, accounting is a statement of storing data, and other nodes record data sent by the information node. After accounting is finished, the same information is issued to other nodes of the system, and information synchronization is achieved.

FIG. 10 schematically illustrates a flow chart for generating an electronic commercial draft in an exemplary embodiment of the disclosure. As shown in fig. 10, the generating of the electronic commercial draft may include the steps of:

and 2.1, submitting settlement in each channel settlement system according to the account period by the user.

2.2 accessing the block chain commercial draft management system through API, the system receives the trader commercial draft information and carries out auditing evaluation.

2.3 generating a unique identifier for the bill after the audit evaluation, and writing the commercial draft information and the audit evaluation result into the block chain to distribute to all users on the block chain.

It should be noted that the core enterprise in the embodiment of the present invention refers to a high-quality enterprise, and may be trusted more.

FIG. 11 schematically illustrates a flow chart for acceptance of a commercial draft in an exemplary embodiment of the disclosure. FIG. 12 schematically illustrates a flow chart of a commercial draft posting in an exemplary embodiment of the present disclosure. The flow of a transaction of a commercial draft according to an embodiment of the present invention may include the following steps with reference to fig. 11 and 12:

3.1 the user initiates a transaction (acceptance, cash-out, etc.) request in the blockchain business ticket management system, the system confirms whether the request meets the transaction rules, if yes, the system enters the corresponding business process, and if not, the system returns the reason of not meeting.

And 3.2, after entering the business process, using the established business rules and legal specifications to carry out audit verification, carrying out transaction and changing the bill state if the business process is passed, writing the updated bill information and transaction results (all information of the bill, the transaction results include posted, transferred, accepted and the like) into the block chain, and issuing the updated bill information and transaction results to all users on the block chain.

According to the business rule of the commercial draft, whether the commercial draft is held or not should be inquired firstly, and if so, whether the commercial draft is expired or not is checked continuously. Commercial drafts that do not expire can only be pledged or transferred. The abnormal state refers to a state other than the normal transaction state. The reason for the failure of the audit may be: the bill buyer verifies the credit risk of the bill accepting person, verifies the authenticity of the bill, verifies the documentary data and the like.

The management method, the device and the system for improving the electronic bill transaction security provided by the embodiment of the invention realize a programmable digital bill based on a block chain technology, a user information management function based on the block chain technology, a bill management function supporting intelligent wind control and transaction settlement based on the block chain technology and a full-process management system for realizing bill service from issuing to cashing in a form of a alliance chain based on a point-to-point distributed peer-to-peer network. By establishing the distributed shared general ledger, the user information and the commercial draft data in the system are complete and transparent, and the authenticity and the reliability of transaction information are improved; meanwhile, the transaction is carried out on the block chain, so that the transaction safety is improved. In addition, the continuity of electronic commercial draft endorsements can be improved, one draft is prevented from being sold for many times, and the transaction safety is improved; the transaction and audit processes are simplified, the efficiency is improved, and the audit cost is reduced; interference from agents in the transaction process is removed.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Moreover, although the steps of the methods of the present disclosure are depicted in the drawings in a particular order, this does not require or imply that the steps must be performed in this particular order, or that all of the depicted steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.

Referring now to FIG. 13, shown is a schematic diagram of an electronic device 600 suitable for use in implementing embodiments of the present application. The electronic device shown in fig. 13 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.

As shown in fig. 13, the electronic apparatus 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data necessary for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.

In particular, according to an embodiment of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present application are executed when the computer program is executed by the Central Processing Unit (CPU) 601.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present application may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a transmitting unit, an obtaining unit, a determining unit, and a first processing unit. The names of these units do not in some cases constitute a limitation to the unit itself, and for example, the sending unit may also be described as a "unit sending a picture acquisition request to a connected server".

As another aspect, the present application also provides a computer-readable medium, which may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: performing user information management and member identity authentication based on a block chain technology; generating an electronic bill by using a block chain technology; the transaction of the electronic ticket is conducted over a blockchain.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

Claims (12)

1. A management method for improving security of a ticket transaction, comprising:

performing user information management and member identity authentication based on a block chain technology;

generating an electronic bill by using a block chain technology;

the transaction of the electronic ticket is conducted over a blockchain.

2. The method for managing according to claim 1, wherein the user information management and member identity authentication based on the blockchain technology comprises:

acquiring user information of a user and distributing a member number to the user;

calling member management service of the block chain to guide and generate a local public key/private key, and distributing a unique identifier for the user;

auditing the user information to obtain a rating result;

and distributing a data encryption public key/private key, writing the user information and the rating result into the block chain, and issuing the user information and the rating result to other nodes in the block chain.

3. The method of claim 1, wherein the generating an electronic ticket using a blockchain technique comprises:

receiving a transaction application sent by a user and carrying out user qualification verification;

when the verification is successful, receiving bill information of the user;

auditing and evaluating the bill information to obtain an auditing score;

and writing the bill information and the audit score into a block chain, generating an electronic bill of the block chain, distributing a unique identifier, and issuing the electronic bill to other nodes in the block chain.

4. The method of claim 1, wherein said conducting a transaction of said electronic ticket over a blockchain comprises:

receiving a transaction request initiated by a user;

when the transaction request meets a transaction rule, entering a corresponding business process;

auditing and checking the transaction request according to a preset business rule and a preset law;

when the transaction is verified, recording each transaction by using a distributed book of the block chain and marking a complete timestamp;

and writing the updated bill information and the transaction result into the blockchain and issuing the bill information and the transaction result to other nodes in the blockchain.

5. The method of managing according to claim 4, further comprising:

configuring a business rule on the intelligent contract service according to corresponding business logic, and storing the business rule into a block chain contract state storage;

and (5) butting a law and regulation supervision mechanism, and configuring a law and regulation supervision model.

6. The method of managing as claimed in claim 4 wherein said transacting of said electronic ticket on a blockchain further comprises: and calling a data query API interface to collect and evaluate the credit of the transaction counter side and control the risk in real time.

7. A management device for improving security of a ticket transaction, comprising:

the user security management module is used for carrying out user information management and member identity authentication based on a block chain technology;

the bill security management module is used for generating an electronic bill by using a block chain technology;

and the transaction process security management module is used for performing transaction of the electronic bill on the blockchain.

8. A management system for improving the safety of electronic bill transaction is characterized by comprising an application layer, a business layer and a basic service layer; wherein,

the application layer comprises a block chain bill management system, and the block chain bill management system is a platform for a user to participate in system transaction;

the business layer comprises member management, bill management and transaction management;

the base services layer includes data storage services, blockchain services, and API interfaces.

9. The management system according to claim 8, wherein the functions of member management include member registration, member audit, profile management, member information management; the bill management function comprises bill examination, bill drawing and bill state change; the transaction management function comprises bill acceptance, pledge, transfer and cash-out business management.

10. The management system of claim 8, wherein the data storage services include a legacy database, a blockchain technology grace period backup database, and blockchain storage; the block chain service comprises a member service, a consensus mechanism and an intelligent contract; the API interface comprises a transaction initiation API interface, a member management API interface, a data query API interface and a node information viewing API interface.

11. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, carries out the management method for improving security of a ticket transaction of any one of claims 1 to 6.

12. An electronic device, comprising:

one or more processors; and

storage means for storing one or more programs;

when executed by the one or more processors, cause the one or more processors to implement the management method for improving ticket transaction security of any of claims 1-6.