CN105373955B - Digital asset processing method and device based on multiple signatures - Google Patents
Digital asset processing method and device based on multiple signatures Download PDFInfo
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- CN105373955B CN105373955B CN201510896821.2A CN201510896821A CN105373955B CN 105373955 B CN105373955 B CN 105373955B CN 201510896821 A CN201510896821 A CN 201510896821A CN 105373955 B CN105373955 B CN 105373955B
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
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- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
The invention discloses a digital asset processing method and a device based on multiple signatures, wherein the method comprises the following steps: the intermediate platform receives a transaction application; generating an encrypted payment amount through multiple signatures according to the transaction application; sending the encrypted payment amount to the first user terminal and informing the first user terminal and the second user terminal; after the first user terminal sends goods or provides services to the second user terminal, the second user terminal sends a payment key to the first user terminal, and the payment key is used for unlocking the encrypted payment amount. Through the multiple signature encryption of the buyer, the seller and the intermediate platform, the intermediate platform plays an intermediate guarantee role, the digital assets cannot be transferred unilaterally, and the digital assets need to be controlled by the seller or the buyer in a combined mode. Thus, the intermediate platform no longer has complete control over the digital assets, which can ensure the security of the digital assets in the event that the intermediate platform is attacked or that the intermediate platform is maliciously fraudulently involved.
Description
Technical Field
The invention belongs to the field of internet finance, and particularly relates to a digital asset transaction method and a digital asset transaction system.
Background
With the rapid development of global information technology, internet digital assets are more and more concerned and valued by people. Existing internet digital assets typically include all digital form assets that can be used for transactions, such as electronic money, virtual money, and even network account content.
In the existing internet digital asset transaction process, buyers and sellers completely rely on an intermediate platform, including price payment, asset delivery, information updating and the like. In the above transaction link, the intermediate platform has complete control over the digital assets, such as a paypal platform, and although the buyer can choose to confirm payment after receiving the goods or services, in the transaction process, if the intermediate platform is attacked, the attacker still can obtain all the digital assets in the transaction.
Furthermore, for some intermediate platforms where malicious fraud is present, the intermediate platform operator can "steal" all digital assets in the transaction.
Therefore, it is an urgent need in the industry to provide a safer and more reliable digital asset transaction method and system.
Disclosure of Invention
The invention aims to provide a digital asset processing method and device based on multiple signatures, which are used for limiting the control right of an intermediate platform on digital assets, so that the loss of user digital assets caused by attacks or malicious fraud on the intermediate platform is avoided.
According to an aspect of the present invention, there is provided a multiple signature-based digital asset processing method, including: the method comprises the steps that an intermediate platform receives a transaction application between a first user terminal and a second user terminal, wherein the transaction application comprises a transaction type, a first user identifier and a second user identifier; after the transaction application is confirmed by the intermediate platform, the first user terminal and the second user terminal generate encrypted payment items through multiple signatures; the intermediate platform sends the encrypted payment to the first user terminal and informs the first user terminal and the second user terminal; and after the first user task set in the transaction application is completed, the second user terminal sends a payment key to the first user terminal, wherein the payment key is used for unlocking and encrypting the payment sum.
The transaction type includes any one or any combination of the types of selling goods, selling services, purchasing goods, purchasing services and the like. The first user identification and the second user identification can respectively comprise any one or any combination of account information, credibility, transaction history, transaction amount and the like.
Preferably, after the intermediate platform receives the transaction application, the method further comprises: and the intermediate platform respectively estimates a first user transaction risk and a second user transaction risk according to the first user identification and the second user identification, and if any one of the first user transaction risk and the second user transaction risk is greater than or equal to a set threshold value, the transaction application is terminated.
Optionally, after generating the encrypted payment amount by multiple signatures, the method further comprises: judging whether the first user terminal and the second user terminal are on the same middle platform; if yes, the same intermediate platform sends the encrypted payment to the first user terminal; if not, firstly, the middle platform where the second user terminal is located sends the encrypted payment amount to the middle platform where the first user terminal is located, and then the middle platform where the first user terminal is located sends the encrypted payment amount to the first user terminal.
Optionally, after the intermediate platform sends the encrypted payment amount to the first user terminal, the intermediate platform further includes: and after the first user terminal and the second user terminal send and jointly confirm the refund request, the first user terminal sends the refund key to the second user terminal, and the second user terminal unlocks the encrypted payment item through the refund key to obtain the refund.
Optionally, the method further comprises: transferring a specified number of digital assets from the first user digital asset or the second user digital asset to a specified account number of the intermediate platform according to the transaction application.
Optionally, before the intermediate platform receives the transaction application, the method further includes: and the intermediate platform receives registration and login requests of the first user terminal and the second user terminal, and updates the first user account information and the second user account information.
Optionally, the receiving, by the intermediary platform, the transaction request comprises: receiving a commodity selling request of a first user terminal and receiving a commodity purchasing request of a second user terminal; when the request for selling goods and the request for purchasing goods match, a transaction application is generated.
Optionally, the method further comprises: and when the transaction application cannot be completed or can not be cancelled, the intermediate platform determines to send the decryption key to the first user terminal or the second user terminal according to the transaction process of the transaction application.
According to a second aspect of the present invention, there is provided a multiple signature-based digital asset processing apparatus comprising: the transaction receiving module is arranged in the middle platform and used for receiving a transaction application between the first user terminal and the second user terminal, and the transaction application comprises a transaction type, a first user identifier and a second user identifier; the payment encryption generation module is respectively arranged in the middle platform, the first user terminal and the second user terminal and is used for generating encrypted payment money through multiple signatures according to the transaction application; the payment module is arranged in the middle platform and used for sending the encrypted payment amount to the first user terminal and informing the first user terminal and the second user terminal; and the payment key module is respectively arranged in the first user terminal and the second user terminal, after the first user task set in the transaction application is completed, the payment key module of the second user terminal generates a payment key and sends the payment key to the first user terminal, and the payment key module of the first user terminal utilizes the payment key to unlock and encrypt payment money.
Preferably, the apparatus further comprises: and the risk processing module is arranged in the intermediate platform and is used for respectively estimating a first user transaction risk and a second user transaction risk according to the first user identification and the second user identification, and if any one of the first user transaction risk and the second user transaction risk is greater than or equal to a set threshold value, the transaction application is terminated.
Optionally, the apparatus further comprises: and the refund module is used for unlocking the encrypted payment item according to a refund key sent to the second user terminal by the first user terminal to obtain refund after the refund request is sent and confirmed by the first user terminal and the second user terminal.
Optionally, the apparatus further comprises: and the transaction fee module is used for transferring the digital assets of the specified quantity to the specified account number of the intermediate platform in the first user terminal or the second user terminal according to the transaction application.
Optionally, the apparatus further comprises: and the transaction generation module is used for matching the commodity selling request and the commodity purchasing request after receiving the commodity selling request of the first user terminal and receiving the commodity purchasing request of the second user terminal, and generating a transaction application.
Optionally, the apparatus further comprises: and the dispute processing module is used for sending the decryption key to the first user terminal or the second user terminal according to the judgment result when the first user terminal and the second user terminal have disputes.
The invention has the beneficial effects that: in the digital asset processing method and device based on multiple signatures, multiple signature encryption is carried out by the buyer, the seller and the intermediate platform, the intermediate platform plays an intermediate guarantee role, the digital asset cannot be transferred in a single party, and the digital asset needs to be controlled by the seller or the buyer in a combined manner, so that the intermediate platform does not have the complete control right of the digital asset any more, and the safety of the digital asset under the condition that the intermediate platform is attacked or cheated can be ensured.
Drawings
Fig. 1 is a flow chart of a digital asset processing method based on multiple signatures according to embodiment 1.
FIG. 2 is a schematic diagram showing the construction of a digital asset processing device based on multiple signatures according to embodiment 2.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are illustrative and intended to be illustrative of the invention and are not to be construed as limiting the invention.
The invention provides a digital asset processing method and device based on multiple signatures.
Example 1
As shown in fig. 1, a schematic flow chart of the digital asset processing method based on multiple signatures provided in this embodiment specifically includes the following steps:
in step S101, the intermediate platform receives a transaction application, where the transaction application includes a transaction type, a first user identifier, and a second user identifier. The transaction application includes account information of the buyer and the seller, transaction amount, and transaction information such as purchased or sold goods/services.
Before this step, may also include: on the intermediate platform, registration and login requests of a first user (seller) and a second user (buyer) are received, and corresponding account information is updated.
Specifically, the user registers on a selected transaction intermediary platform to obtain a legitimate transaction identity, such as a user account id. It should be noted that, the buyer and the seller do not necessarily register on the same intermediate platform, and if they register on different intermediate platforms, they are required to trust each other and both support the digital asset processing based on multiple signatures provided in this embodiment.
After logging in the transaction intermediate platform, the user can recharge through modes such as account transfer and the like through verification, the recharging comprises various types (digital currency, virtual currency and the like), and the intermediate platform correspondingly updates account information corresponding to the user.
In the above step, the transaction application is generated according to a transaction request of a buyer or a seller, specifically, the intermediate platform receives a commodity selling request of the first user terminal and receives a commodity purchasing request of the second user terminal, and when the commodity selling request and the commodity purchasing request are matched, the transaction application is generated.
In addition, in order to improve the security of the transaction, after receiving the transaction application, the method may further include: and calculating the transaction risk according to the transaction application, and if the transaction risk is greater than a set value, terminating the transaction.
If the seller needs to sell goods or services, the intermediate platform carries out transaction risk evaluation according to the credit degree of a trader, transaction history, transaction amount and the like so as to determine whether to accept the transaction, and if the transaction does not pass the evaluation, the transaction is ended; and if the evaluation is passed, associating the goods or services which need to be sold by the user with the user information to form a transaction package, adding the current transaction package to a sold goods package list, and updating the index list of the sold goods package.
If the user needs to purchase goods or services, the purchasing user acquires the index list of the commodity package to be sold through the intermediate platform, searches the needed goods, and sends a transaction request containing the index information of the commodity package to the intermediate platform after finding the goods expected to be purchased. The intermediate platform carries out transaction risk evaluation according to the credit degree of a trader, transaction history, transaction amount and the like to determine whether to accept the transaction, and if the transaction does not pass the evaluation, the transaction is ended; if the evaluation is passed, go to step S102.
In step S102, an encryption is generated by multiple signatures according to the transaction applicationPayment of money; and the seller (a first user terminal), the buyer (a second user terminal) and the intermediate platform generate the payment of the buyer through multi-party multi-signature, and the encrypted payment after multi-party multi-signature is made to be Pay. The payment of the buyer is M, the public key of the buyer is B, the public key of the seller is S, the public key of the intermediate platform is P, the signature algorithm is Sign, and the encrypted payment Pay Pay after multiple signatures is as follows: pay is SignB,S,P(M)。
The public and private keys are not definitely changed, and each transaction can be dynamically changed in a way of generating a sub public (private) key through a public (private) key seed (such as hierarchical deterministic signature).
In step S103, transmitting the encrypted payment amount to the first user terminal, and notifying the first user terminal and the second user terminal;
in this step, it may be determined whether the first user terminal and the second user terminal are on the same platform; if yes, directly transferring the encrypted payment Pay to the first user terminal (seller) by the intermediate platform, and informing the two parties; if the first user terminal and the second user terminal are on different platforms, firstly the platform where the second user terminal is located sends the encrypted payment amount to the platform where the first user terminal is located, and then the platform where the first user terminal is located sends the encrypted payment amount to the first user terminal.
In step S104, after the first user terminal transmits goods or provides services to the second user terminal, the second user terminal transmits a payment key to the first user terminal, the payment key being used to unlock the encrypted payment amount.
After receiving the encrypted payment Pay, the first user terminal (seller) sends goods or services to the buyer; after receiving the required goods or services, the second user terminal (buyer) assists the seller to decrypt and obtain the money by using the payment key, and the specific steps are as follows: setting a payment decryption algorithm as Dec and a private key of a buyer as b; then Pay _ b ═ Dec is generated firstb(Pay); and (3) setting the private key of the seller as s, and after the seller receives Pay _ b, obtaining the money M through another payment decryption: m ═ Decb,s(Pay)。
In addition, after the transaction is finished, the intermediate platform can collect a payment as a transaction fee, wherein the transaction fee can be in direct proportion to the amount of the applied transaction, and specifically, the method further comprises the following steps: and transferring the digital assets of the first user or the second user into a specified account number of the intermediate platform according to the transaction application.
When the buyer is not satisfied with the goods or services or otherwise needs to refund, the method may further include, after sending the encrypted payment to the first user terminal: and after the first user terminal and the second user terminal send and jointly confirm the refund request, the first user terminal sends the refund key to the second user terminal, and the second user terminal unlocks the encrypted payment item through the refund key to obtain the refund.
Specifically, the seller creates a payment decryption signature Pay _ s to the buyer, and after the buyer receives the Pay _ s, the buyer decrypts the payment again, so that the refund money M can be obtained: m ═ Decb,s(Pay)。
The information of the success or failure refund of the transaction and the like can be collected by the transaction intermediate platform and taken as the credibility to be incorporated into the intermediate platform transaction risk evaluation model.
In order to deal with transaction disputes occurring in the transaction process, the method for processing digital assets based on multiple signatures provided in this embodiment may further include: and when the first user and the second user have disputes, the intermediate platform sends the decryption key to the first user terminal or the second user terminal according to the judgment result.
The specific implementation mode is as follows: if the parties have disputes, the parties need to contact the arbitrator, the intermediate platform, and provide relevant evidence, and the intermediate platform determines which party is believed. The intermediate platform approves which party, and then creates a payment decryption signature Pay _ p of the other party. And if the private key of the intermediate platform is p, then: pay _ p ═ Decp(Pay); if the intermediate platform judges that the buyer withdraws payment, after Pay _ p is received, the payment M can be obtained through the decryption of the payment for the second time: m ═ Decb,p(Pay); if the seller is judged to Pay back for the intermediate platform, after Pay _ p is received, the payment can be obtained through one more payment decryptionM：M＝Decs,p(Pay)。
In the digital asset processing method based on multiple signatures provided by this embodiment, multiple signature encryption is performed by the buyer, the seller and the intermediate platform, and the intermediate platform plays an intermediate guarantee role, and cannot transfer the digital asset by a single party, and needs to control the digital asset jointly with the seller or the buyer, so that the intermediate platform no longer has a complete control right for the digital asset, and can ensure the security of the digital asset when the intermediate platform is attacked or cheated.
In a specific application process, a user firstly selects a trustworthy intermediate platform and completes operations such as registration, account creation, information updating, recharging and the like. Further, the user may submit a transaction application: (1) if the transaction is a sale transaction, the user is a seller, the commodity or service information needing to be sold is submitted to the intermediate platform, the intermediate platform evaluates whether to accept the transaction according to the information such as the historical transaction behavior and the credibility of the user, if the transaction is accepted, the sale information is added into a sale commodity list, and if the transaction is not accepted, the transaction is ended. (2) If the transaction is a purchase transaction, the user is the buyer and needs to pay, the payment is generated and encrypted by the buyer and the seller and the intermediate platform, and the encrypted and signed payment is sent to the seller. After receiving the money, the seller sends goods or services to the buyer: if the buyer receives the commodity or the service, if the requirement is met, the money item is decrypted and signed for the first time and is sent to the seller, and the transaction is completed smoothly; if the buyer and the seller agree to refund, the seller decrypts and signs the money item for the first time and sends the money item to the buyer, and the transaction is ended; if the buyer and the seller have transaction disputes, relevant evidence is provided to submit to the intermediate platform, and the intermediate platform evaluates which party is believed and assists the buyer and the seller to obtain payment.
Example 2
The present embodiment provides a digital asset processing device based on multiple signatures, as shown in fig. 2, which includes an intermediate platform 100, a first user terminal 300 and a second user terminal 500, wherein the intermediate platform 100, the first user terminal 300 and the second user terminal 500 are all schematically shown as one, and may actually include two or more intermediate platforms, a plurality of first user terminals and a plurality of second user terminals.
The transaction receiving module 201 is disposed in the middle platform 100, and is configured to receive a transaction application between the first user terminal 300 and the second user terminal 500, where the transaction application includes a transaction type, a first user identifier, and a second user identifier.
The payment encryption generating module 202 is respectively disposed in the intermediate platform 100, the first user terminal 300 and the second user terminal 500, and is configured to generate an encrypted payment amount through multiple signatures according to the transaction application.
The payment module 203 is disposed in the intermediary platform 100, and is configured to send the encrypted payment amount to the first user terminal 300 and notify the first user terminal 300 and the second user terminal 500.
The payment key module 204 is respectively arranged in the first user terminal 300 and the second user terminal 500, after the first user task set in the transaction application is completed, the second user terminal 500 generates a payment key through the payment key module 204 and sends the payment key to the first user terminal 300, and the payment key module 204 of the first user terminal 300 utilizes the payment key to unlock the encrypted payment amount.
In addition, in order to improve the security of the transaction, the digital asset processing device based on the multiple signatures further comprises: and a risk processing module 205, disposed in the intermediate platform 100, for calculating a transaction risk according to the transaction application, and terminating the transaction if the transaction risk is greater than a set value.
As an alternative embodiment, in order to deal with the situation that the buyer is dissatisfied with the goods or services or needs refund in other situations, the digital asset processing device based on multiple signatures further comprises: and the refund module is arranged in the first user terminal and the second user terminal and is used for unlocking the encrypted payment item according to a refund key sent by the first user terminal to the second user terminal after the refund request is sent and confirmed by the first user terminal and the second user terminal so as to obtain refund.
As another alternative, after the transaction is finished, the intermediate platform may collect a payment as a transaction fee, where the transaction fee may be proportional to the amount of the applied transaction, and specifically, the digital asset processing device based on multiple signatures further includes: and the transaction fee module is arranged in the first user terminal and the second user terminal and is used for transferring the digital assets of the specified quantity to the specified account number of the middle platform in the digital assets of the first user terminal or the second user terminal according to the transaction application.
As a further alternative, the transaction application may be generated according to a transaction request of a buyer or seller, and therefore the apparatus further comprises: and the transaction generation module is arranged in the intermediate platform and is used for matching the commodity selling request and the commodity purchasing request after receiving the commodity selling request of the first user terminal and receiving the commodity purchasing request of the second user terminal, and generating a transaction application.
As still another alternative, in order to cope with transaction disputes occurring during transactions, the digital asset processing device based on multiple signatures further comprises: and the dispute processing module is arranged in the intermediate platform and is used for sending the decryption key to the first user terminal or the second user terminal according to the judgment result when the first user terminal and the second user terminal have disputes.
In the digital asset processing device based on multiple signatures, the buyer, the seller and the intermediate platform carry out multiple signature encryption, the intermediate platform plays an intermediate guarantee role, the digital asset cannot be transferred in a single way, and the intermediate platform needs to be combined with the seller or the buyer to control the digital asset, so that the intermediate platform does not have the complete control right of the digital asset any more, and the safety of the digital asset can be ensured under the condition that the intermediate platform is attacked or cheated.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: it is also possible to modify the solutions described in the previous embodiments or to substitute some or all of them with equivalents. And the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. A digital asset processing method based on multiple signatures, comprising:
the method comprises the steps that an intermediate platform receives a transaction application between a first user terminal and a second user terminal, wherein the transaction application comprises a transaction type, a first user identifier and a second user identifier;
after the transaction application is confirmed by the intermediate platform, the first user terminal and the second user terminal generate encrypted payment items through multiple signatures;
the intermediate platform sends the encrypted payment amount to the first user terminal and informs the first user terminal and the second user terminal;
after the first user task set in the transaction application is completed, the second user terminal sends a payment key to the first user terminal, wherein the payment key is used for unlocking the encrypted payment amount;
the first user terminal, the second user terminal and the intermediate platform generate the encrypted payment sum through multi-party multi-signature, the encrypted payment sum subjected to multi-signature is set as Pay, the sum paid by the second user terminal is set as M, the public key of the second user terminal is B, the public key of the first user terminal is S, the public key of the intermediate platform is P, the signature algorithm is Sign, and the encrypted payment sum Pay subjected to multi-signature is: pay is SignB,S,P(M); moreover, the signature public/private key is changed, and each transaction is dynamically changed in a way of generating a sub public/private key through a public/private key seed; and
when the first user terminal and the second user terminal are disputed, the intermediate platform sends a decryption key to the first user terminal or the second user terminal according to a judgment result, the intermediate platform approves which party, a payment decryption signature Pay _ p of the other party is created, and if the private key of the intermediate platform is p, the intermediate platform: pay _ p ═ Decp(Pay); if the intermediate platform is determined to be the secondAnd (3) the second user terminal withdraws payment, and after receiving the Pay _ p, the second user terminal decrypts through the payment again to obtain the money M: m ═ Decb,p(Pay); if the intermediate platform judges that the first user terminal withdraws payment, the first user terminal receives Pay _ p and then obtains the money M through the decryption of the payment for the second time: m ═ Decs,p(Pay); the private key of the second user terminal is b, and the private key of the first user terminal is s.
2. The multi-signature-based digital asset processing method of claim 1, further comprising, after said intermediate platform receives said transaction application:
and the intermediate platform respectively estimates a first user transaction risk and a second user transaction risk according to the first user identification and the second user identification, and if any one of the first user transaction risk and the second user transaction risk is greater than or equal to a set threshold value, the transaction application is terminated.
3. The multi-signature-based digital asset processing method as claimed in claim 1, further comprising, after generating said encrypted payment amount by multi-signature,:
judging whether the first user terminal and the second user terminal are on the same middle platform or not;
if yes, the same intermediate platform sends the encrypted payment to the first user terminal;
if not, firstly, the middle platform where the second user terminal is located sends the encrypted payment sum to the middle platform where the first user terminal is located, and then the middle platform where the first user terminal is located sends the encrypted payment sum to the first user terminal.
4. The multi-signature-based digital asset processing method as claimed in claim 1, wherein said intermediate platform, after sending an encrypted payment to said first user terminal, further comprises:
and after the first user terminal and the second user terminal send and jointly confirm a refund request, the first user terminal sends a refund secret key to the second user terminal, and the second user terminal unlocks the encrypted payment amount through the refund secret key to obtain refund.
5. The multi-signature-based digital asset processing method of claim 1, further comprising:
transferring a specified number of digital assets into a specified account number of the intermediate platform in the first user digital asset or the second user digital asset according to the transaction application.
6. The multi-signature-based digital asset processing method of claim 1, further comprising, before the intermediate platform receives the transaction application:
and the intermediate platform receives the registration and login requests of the first user terminal and the second user terminal and updates the first user account information and the second user account information.
7. The multi-signature based digital asset processing method of claim 1, wherein said intermediate platform receiving said transaction application comprises:
receiving a commodity selling request of the first user terminal and receiving a commodity purchasing request of the second user terminal;
generating the transaction application when the request for selling goods and the request for purchasing goods match.
8. The multi-signature-based digital asset processing method of claim 1, further comprising:
when the transaction application cannot be completed or cannot be cancelled, the intermediate platform determines to send a decryption key to the first user terminal or the second user terminal according to the transaction process of the transaction application.
9. A multiple signature based digital asset processing device for use in a method according to any of claims 1 to 8, comprising:
the system comprises a transaction receiving module, a first processing module and a second processing module, wherein the transaction receiving module is arranged in a middle platform and is used for receiving a transaction application between a first user terminal and a second user terminal, and the transaction application comprises a transaction type, a first user identifier and a second user identifier;
the payment encryption generation module is respectively arranged in the intermediate platform, the first user terminal and the second user terminal and is used for generating encrypted payment money through multiple signatures according to the transaction application;
the payment module is arranged in the middle platform and used for sending the encrypted payment amount to the first user terminal and informing the first user terminal and the second user terminal;
and the payment key module is respectively arranged in the first user terminal and the second user terminal, after the first user task set in the transaction application is completed, the payment key module of the second user terminal generates a payment key and sends the payment key to the first user terminal, and the payment key module of the first user terminal utilizes the payment key to unlock the encrypted payment sum.
10. The multi-signature based digital asset processing device of claim 9, further comprising:
and the risk processing module is arranged in the intermediate platform and is used for respectively estimating a first user transaction risk and a second user transaction risk according to the first user identification and the second user identification, and if any one of the first user transaction risk and the second user transaction risk is greater than or equal to a set threshold value, the transaction application is terminated.
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