CN111461682A - Financial system and digital currency trusteeship system that has it - Google Patents
Financial system and digital currency trusteeship system that has it Download PDFInfo
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Abstract
The invention discloses a financial system and a digital currency trusteeship system with the same, and relates to the technical field of block chains. The financial system of the invention comprises: the method comprises the following steps: the balance book module, the account change module, the accounting and bookkeeping module and the reconciliation and settlement module; the digital currency hosting system comprises a hosting client system, a business core system, an accounting system and a block chain network relation system. In the financial system, each wallet address is correspondingly provided with an address account for independent accounting so as to clearly record or count the asset balance and asset change condition of each wallet address, and the user asset is embodied in the wallet address; the hosting system associates an address account with each wallet address, and the address accounts record the fund change details of the associated wallet address on the blockchain into the hosting system, and when the blockchain address changes, the hosting system synchronizes the record of the address account.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a financial system and a digital currency hosting system with the financial system.
Background
Digital currency is an unregulated, digital currency that is typically issued and managed by developers and accepted and used by members of a particular virtual community. The european banking authority defines virtual currency as: the digitized representation of value is not issued by the central authorities or authorities nor hooked up to the french bill, but is accepted by the public as a means of payment or may be transferred, stored or transacted electronically. In the past, any transfer has to be provided with an institution such as a bank or a pay bank, but through the blockchain technology, the bitcoin is realized by human for the first time, and the transfer behavior that two parties can mutually trust is completed without any intermediary institution, which is a great breakthrough of the blockchain. 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. In a block chain system, everyone in the system has an opportunity to participate in accounting, if any data change exists in a certain period of time, everyone in the system can perform accounting, the system judges the person who performs the fastest accounting in the period of time, the content recorded by the person is written into an account book, and the content of the account book in the period of time is sent to all persons in the system for backup, so that everyone in the system has a complete account book, and the block chain technology is called in the mode. And the present invention is directed to applying the block chaining technique to the conventional accounting system. The traditional accounting system is designed and recorded with the total balance of each client, the accounting change record and the basic account checking, but has no independent address balance account book, and is difficult to monitor and count the wallet address balance of each user. In addition, the traditional accounting system cannot accurately count the miners ' expenses on the chain (the miners ' expenses refer to the expenses on the chain that needs to be consumed when the miners need to pack the transaction on the block chain), but the miners ' expenses fluctuate in real time along with the influence of network computing power and the like, and the traditional accounting system cannot update the changed miners ' expenses, so that the accounting system in the digital currency hosting field has to process the miners ' expenses according to the principle of ' forecasting before adjusting ', and thus the miners ' expenses recorded by the accounting change module can be guaranteed to be consistent with the miners ' expenses actually generated on the chain.
Disclosure of Invention
Defining:
the noun defines:
private key: the wallet address generation method comprises the steps that a random number generated by a computer can generate a public key in a one-way irreversible mode through an elliptic curve so as to generate a wallet address, and ownership of assets on the address is possessed by a private key; the private key is not necessarily stored in the wallet address, and the private key is only a string of random numbers and can be copied on paper or recorded anywhere; the private key may also be used to sign the transaction; the public key is used for generating an address and can also be used for verifying a signed transaction; one private key can only generate one public key, and one public key can only generate one address; the signature is to encrypt data by a private key to generate a section of digital string which cannot be forged by others; a transaction is a link queriable transaction that is completed in multiple steps by building a transaction, signing a transaction, broadcasting a transaction, confirming a transaction.
Elliptic curves are a cryptographically well-known irreversible algorithm, which refers to a planar curve determined by the welts pass equation y2+ a1xy + a3y ═ x3+ a2x2+ a4x + a6, if F is a domain, ai ∈ F, i ═ 1,2, …, 6. the number pair (x, y) satisfying equation 1 is called the point of elliptic curve E on the F domain.
The invention aims to solve the problem that the traditional accounting system cannot meet the accounting requirement in the field of digital currency because the traditional accounting system has fewer currency types and actively transmits transactions without monitoring external changes, and a user can have a plurality of wallet addresses in the field of block chains, and each wallet address stores a plurality of different digital currencies.
In order to achieve the purpose, the technical scheme of the invention is as follows:
a financial system, the financial system comprising: the balance book module, the account change module, the accounting and bookkeeping module and the reconciliation and settlement module; wherein the content of the first and second substances,
the balance book module comprises the following sub-modules: a customer balance account book, a platform balance account book and an address balance account book; the customer balance book is used for associating block chain addresses of different currencies for each customer and displaying the asset balance on the block chain addresses; the platform balance book is designed with a miner fee account and a miner handling fee supplementary account so as to count the cost of the blockchain transaction; the address balance book is used for recording the wallet address and the corresponding address account details so as to clearly count the change condition of the wallet address assets;
the accounting change module is used for recording accounting change conditions on the block chain, wherein each transaction has a detailed account-out address, an account-in address and a transaction amount record, and the detailed account-out address, the account-in address and the transaction amount record are registered in the escrow system;
the accounting and keeping module is used for decomposing the block chain transaction record into accounting entries, registering the accounting change module on the chain details of the hosting system, splitting debits according to a common standard compound accounting method and carrying out compound keeping so as to facilitate account checking and settlement;
and the account checking and settlement module is used for carrying out data fishing and checking on the service account which is split and registered by the accounting and bookkeeping module according to the accounting date.
Preferably, the address balance book is divided into a user cold wallet address, a user hot wallet address and a user position wallet address according to different address usages.
Preferably, the cold wallet address is generated only for each currency, the address is used for safely storing the assets of the user and supplementing the position wallet address, when the user charges, the hot wallet address assets are changed, and when the hot wallet address assets are larger than a threshold value, the system automatically transfers the assets exceeding the threshold value to the cold wallet address; when the position purse address balance is insufficient, the cold purse assets are manually transferred to the position purse address.
Preferably, the hot wallet address is generated separately for each currency corresponding to each user, so that when the user needs to recharge own external assets to the virtual asset transaction platform, the platform can provide a receiving address for the user; and the position wallet address of the platform also belongs to a hot wallet address, the platform is independently generated for each currency, the address is only used as a currency outlet address when the user initiates currency extraction, and when the user initiates a currency extraction request, the assets are transferred to an external address of the user from the position wallet.
Preferably, the platform balance account book comprises a platform account, a miner account and a commission account; wherein:
the platform account is used for separately managing the fund condition of the platform, including the currency type of the platform, the balance corresponding to the currency, the transaction record and the like so as to be distinguished from the client assets;
the mining fee account is used for counting the real cost consumed on the block chain when a customer initiates a money withdrawal transaction, and the account can record the real cost amount of the mining fee actually spent on the block chain by each money withdrawal transaction of the customer;
the commission account is used for counting transaction cost which is receivable by the platform.
The invention also provides a digital currency escrow system, comprising: the system comprises a client hosting system, a business core system, an accounting system and a block chain network relation system; wherein:
the hosting client system is used for storing service groups in the digital currency hosting system, and the hosting client can be an individual client or an enterprise client;
the business core system is used for connecting the client hosting system, the accounting system and the block chain gateway and plays a role of an intermediate hub in starting and stopping;
the accounting system is the above accounting system;
the block chain gateway is used for monitoring all block chain addresses and corresponding transactions generated by the digital currency hosting platform on a block chain and returning the transactions to the business core system, so that the business core system converts the transactions received by the block chain gateway into a business account form which can be identified by the business system for financial change, and in addition, the block chain gateway is simultaneously used for receiving block chain transactions needing broadcasting and transmitted by the business core system and broadcasting the block chain transactions to the block chain.
The invention has the beneficial effects that: the financial system provided by the invention is an accounting system suitable for a block chain technology. The traditional accounting system has single currency type, and the transaction is actively transmitted without synchronous monitoring, and in the field of block chains, one user can have a plurality of wallet addresses, and each wallet address stores a plurality of digital currencies, so the invention makes up the problem that the traditional accounting system can not meet the accounting requirements in the field of digital currencies.
Drawings
FIG. 1 is an architecture diagram of the digital currency hosting system of the present invention;
FIG. 2 is a diagram of a prior art accounting system architecture;
fig. 3 is an accounting system architecture diagram of the present invention.
Detailed Description
The technical scheme of the invention is further described in detail by combining the drawings and the detailed implementation mode:
example 1
Comparing fig. 2 and 3, a finance system includes: the balance book module, the account change module, the accounting and bookkeeping module and the reconciliation and settlement module; wherein the content of the first and second substances,
the balance book module comprises the following sub-modules: a customer balance account book, a platform balance account book and an address balance account book; the customer balance account book is used for associating block chain addresses of different currencies for each customer and displaying the asset balance on the block chain addresses, and the specific display form is as follows: when the customer logs in the app or website, clicking the asset icon can see the current virtual asset total, for example: "current total assets: 2BTC ≈ 18000USD "; the platform balance book is designed with a miner fee account and a miner handling fee supplementary account so as to count the cost of block chain transaction; the address balance book is used for recording the wallet address and the corresponding address account details so as to clearly count the change condition of the wallet address assets;
the accounting change module is used for recording accounting change conditions on the block chain, each transaction has a detailed account-out address, an account-in address and a transaction amount record, and the detailed account-out address, the account-in address and the transaction amount record are registered in the escrow system;
the accounting and keeping module is used for decomposing the block chain transaction record into accounting entries, registering the accounting change module on the chain details of the hosting system, splitting debits according to a common standard compound accounting method and carrying out compound keeping so as to facilitate account checking and settlement;
the account checking and settlement module is used for performing data fishing and checking on the business account which is split and registered by the accounting and settlement module according to the accounting date, for example: fishing the fish in the previous day at a ratio of 0: 00-24: 00, and all business accounts between 0: 00-24: all transactions that occur on the 00 blockchain are checked.
Preferably, the address balance book is divided into a user cold wallet address, a hot wallet address and a position wallet address according to different address usages, the wallet address is a string of character strings generated by a wallet private key, but the wallet private key cannot be pushed back, so that the address is disclosed on the blockchain, and the wallet balance and the transaction record can be publicly viewed on the blockchain through the address.
Preferably, the cold wallet address is generated for each currency, the address is used for safely storing the assets of the user and supplementing the position wallet address, when the user is charged, the hot wallet address assets are changed, and when the hot wallet address assets are larger than a threshold value, the system automatically transfers the assets exceeding the threshold value to the cold wallet address; when the position purse address balance is insufficient, the cold purse assets are manually transferred to the position purse address.
Preferably, the hot wallet address is generated separately for each currency corresponding to each user, so that when the user needs to recharge the own external assets to the virtual asset transaction platform, the platform can provide a receiving address for the user; and the position wallet address of the platform also belongs to a hot wallet address, the platform is independently generated for each currency, the address is only used as a currency outlet address when the user initiates currency extraction, and when the user initiates a currency extraction request, the assets are transferred to an external address of the user from the position wallet.
Preferably, the platform balance account book comprises a platform account, a miner account and a commission account; wherein:
the platform account is used for separately managing the fund condition of the platform, including the currency type of the platform, the balance corresponding to the currency, the transaction record and the like so as to be distinguished from the client assets;
the mining fee account is used for counting the real cost consumed on the blockchain when the customer initiates the money-drawing transaction, and the account can record the real cost amount of the mining fee actually spent on the blockchain by each money-drawing transaction of the customer;
the commission account is used for counting transaction costs receivable by the platform, for example, when the platform transfers the client hot wallet assets to the cold wallet for security storage, the transfer process still needs to chain and pay the mine fees, and the platform needs to record the consumed costs as transaction commission; the commission account is a record of the platform mine cost in the scene.
As shown in fig. 1, the present invention also provides a digital currency hosting system, including: the system comprises a client hosting system, a business core system, an accounting system and a block chain network relation system; wherein:
a hosted customer system for storing a population of services in a digital currency hosted system, the hosted customer may be an individual customer or an enterprise customer, which may contain a variety of attributes, such as a virtual asset exchange or other institutional customer;
the business core system is used for connecting and hosting a client system, an accounting system and a block chain gateway, and plays a role of an intermediate hub from top to bottom, for example: when a custodian client initiates a money withdrawal request, a business core system is used for converting the business request of the client into a blockchain transaction form which can be identified by a blockchain gateway and sending the blockchain transaction form to the blockchain gateway, and asynchronously converting the business request into a business account form which can be identified by an accounting system and sending the business account form to the accounting system;
the accounting system is the above accounting system;
the block chain gateway is used for monitoring all block chain addresses and corresponding transactions generated by the digital currency hosting platform on the block chain and returning the transactions to the business core system, so that the business core system converts the transactions received by the block chain gateway into a business account form which can be identified by the account system to carry out account change, and in addition, the block chain gateway is simultaneously used for receiving block chain transactions needing broadcasting and transmitted by the business core system and broadcasting the block chain transactions to the block chain.
Example 2
Referring to fig. 2, with reference to fig. 1 and 3, in comparison with the conventional accounting system architecture diagram of fig. 2, customer a registers and initiates money withdrawal
1. The escrow client system judges that the client A belongs to the escrow client according to the information of the client A, allows the client to log in, and transmits a money withdrawal request to the service core system.
2. After receiving a currency extraction request, a business core system respectively converts the currency extraction request according to request formats required by the accounting system and the block chain gateway, synchronously sends the converted new request to the block chain gateway, and asynchronously sends the new request to the financial system;
3. the block chain gateway system is responsible for broadcasting a new request to the block chain and monitoring the transaction processing progress on the block chain in real time;
4. an accounting change module in the accounting system registers asset change information of client operation;
5. an accounting bookkeeping module in the accounting system divides the money extracting request into standard accounting accounts according to a compound bookkeeping method;
6. when the transaction is confirmed on the chain, the blockchain gateway transmits the transaction states (such as successful success, failure, pending and the like) on the blockchain back to the service core system in real time, and the service core system packages the transaction states into service states (such as successful transaction, insufficient balance, failed transaction and the like) and transmits the service states to the financial system for real-time settlement (note: the blockchain transaction is settled in real time unlike the traditional settlement);
7. and a balance book module in the accounting system updates a balance book corresponding to the account of the managed client A. For example: when the transaction is successful, the escrow client A balance is the original balance, the money is extracted at the time, and the mine cost is saved; the platform account is not changed, the miner fee account increases the miner fee consumed this time, the commission fee account is not changed)
The above description is only an embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that are not thought of through the inventive work should be included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope defined by the claims.
Claims (6)
1. A financial system, comprising: the balance book module, the account change module, the accounting and bookkeeping module and the reconciliation and settlement module; wherein the content of the first and second substances,
the balance book module comprises the following sub-modules: a customer balance account book, a platform balance account book and an address balance account book; the customer balance book is used for associating block chain addresses of different currencies for each customer and displaying the asset balance on the block chain addresses; the platform balance book is designed with a miner fee account and a miner handling fee supplementary account so as to count the cost of the blockchain transaction; the address balance book is used for recording the wallet address and the corresponding address account details so as to clearly count the change condition of the wallet address assets;
the accounting change module is used for recording accounting change conditions on the block chain, wherein each transaction has a detailed account-out address, an account-in address and a transaction amount record, and the detailed account-out address, the account-in address and the transaction amount record are registered in the escrow system;
the accounting and keeping module is used for decomposing the block chain transaction record into accounting entries, registering the accounting change module on the chain details of the hosting system, splitting debits according to a common standard compound accounting method and carrying out compound keeping so as to facilitate account checking and settlement;
and the account checking and settlement module is used for carrying out data fishing and checking on the service account which is split and registered by the accounting and bookkeeping module according to the accounting date.
2. A financial system as claimed in claim 1 in which the address balance book is divided into a user cold purse address, a hot purse address, a position purse address, according to address usage.
3. A financial system as claimed in claim 2 in which the cold purse address is generated separately for each currency only, this address being used to securely store the user's assets and to supplement the location purse address, the hot purse address asset changing when the user is recharged, the system automatically transferring assets exceeding the threshold to the cold purse address when the hot purse address asset is above the threshold; when the position purse address balance is insufficient, the cold purse assets are manually transferred to the position purse address.
4. A financial system as claimed in claim 2 in which the hot wallet address is generated separately for each currency for each user so that when a user needs to add his or her external assets to the virtual asset trading platform, the platform can provide the user with a receiving address; and the position wallet address of the platform also belongs to a hot wallet address, the platform is independently generated for each currency, the address is only used as a currency outlet address when the user initiates currency extraction, and when the user initiates a currency extraction request, the assets are transferred to an external address of the user from the position wallet.
5. The financial system of claim 1 wherein the platform balance ledger comprises a platform account, a miner account, a commission account; wherein:
the platform account is used for separately managing the fund condition of the platform, including the currency type of the platform, the balance corresponding to the currency, the transaction record and the like so as to be distinguished from the client assets;
the mining fee account is used for counting the real cost consumed on the block chain when a customer initiates a money withdrawal transaction, and the account can record the real cost amount of the mining fee actually spent on the block chain by each money withdrawal transaction of the customer;
the commission account is used for counting transaction cost which is receivable by the platform.
6. A digital currency escrow system, comprising: the system comprises a client hosting system, a business core system, an accounting system and a block chain network relation system; wherein:
the hosting client system is used for storing service groups in the digital currency hosting system, and the hosting client can be an individual client or an enterprise client;
the business core system is used for connecting the client hosting system, the accounting system and the block chain gateway and plays a role of an intermediate hub in starting and stopping;
the accounting system is the accounting system of any one of claims 1-5;
the block chain gateway is used for monitoring all block chain addresses and corresponding transactions generated by the digital currency hosting platform on a block chain and returning the transactions to the business core system, so that the business core system converts the transactions received by the block chain gateway into a business account form which can be identified by the business system for financial change, and in addition, the block chain gateway is simultaneously used for receiving block chain transactions needing broadcasting and transmitted by the business core system and broadcasting the block chain transactions to the block chain.
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Cited By (7)
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| CN112598523A (en) * | 2020-12-30 | 2021-04-02 | 广东微聚科技有限公司 | Aggregation block chain system |
| CN112632086A (en) * | 2021-01-08 | 2021-04-09 | 海南雷贝科技有限公司 | Block chain-based digital asset dynamic balance storage method |
| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
| CN112700315A (en) * | 2020-12-25 | 2021-04-23 | 中国神华国际工程有限公司 | Bidding guarantee management method and system |
| CN112711638A (en) * | 2020-12-30 | 2021-04-27 | 普华云创科技(北京)有限公司 | Method and system for realizing block chain account system with main and sub account attributes |
| WO2023123153A1 (en) * | 2021-12-30 | 2023-07-06 | Shanghai Wanxiang Block Chain Co., Ltd. | Systems and methods for miner fee settlement between wallets |
| CN112700315B (en) * | 2020-12-25 | 2024-05-14 | 中国神华国际工程有限公司 | Bid guarantee management method and system |
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| CN112700315A (en) * | 2020-12-25 | 2021-04-23 | 中国神华国际工程有限公司 | Bidding guarantee management method and system |
| CN112700315B (en) * | 2020-12-25 | 2024-05-14 | 中国神华国际工程有限公司 | Bid guarantee management method and system |
| CN112598523A (en) * | 2020-12-30 | 2021-04-02 | 广东微聚科技有限公司 | Aggregation block chain system |
| CN112711638A (en) * | 2020-12-30 | 2021-04-27 | 普华云创科技(北京)有限公司 | Method and system for realizing block chain account system with main and sub account attributes |
| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
| CN112632086A (en) * | 2021-01-08 | 2021-04-09 | 海南雷贝科技有限公司 | Block chain-based digital asset dynamic balance storage method |
| WO2023123153A1 (en) * | 2021-12-30 | 2023-07-06 | Shanghai Wanxiang Block Chain Co., Ltd. | Systems and methods for miner fee settlement between wallets |
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Application publication date: 20200728 |