CN105678546B - Digital asset processing method based on distributed shared general ledger - Google Patents
Digital asset processing method based on distributed shared general ledger Download PDFInfo
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Abstract
The invention discloses a digital asset processing method based on a distributed shared general ledger, which comprises the following steps: the first user terminal, the second user terminal and the third user terminal are connected to the distributed shared general ledger network; the first user terminal generates a recharging digital asset transaction request for recharging from the first user digital asset account to the third user digital asset account, and each user terminal judges, stores and shares the recharging digital asset transaction request; after the request is confirmed to be successful, the stored value of the digital asset account of the third user is correspondingly increased, and the liability of the digital asset account of the first user is correspondingly increased; after the third user terminal selects to purchase a product belonging to the second user terminal, the third user terminal generates a payment digital asset transaction request for paying from the third user digital asset account to the second user digital asset account, and each user terminal carries out discrimination, storage and sharing; after the confirmation request is successful, the stored value of the third user digital asset account and the stored value of the second user digital asset account are correspondingly reduced and increased.
Description
Technical Field
The invention belongs to the field of digital asset transaction, and particularly relates to a digital asset processing method.
Background
At present, 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 available for trading, such as electronic money, virtual money, and even network accounts.
In most conventional digital asset transactions, after the transaction is confirmed by a transaction confirmation module of a network center, people can perform transaction services such as payment, account transfer, recharging, accumulated points and the like of digital assets, but the structure of the single network center has the following defects: (1) if the transaction confirmation module of the network of the single center fails, the transaction cannot be confirmed; (2) the capacity of a single central network is limited, and many transactions cannot be confirmed quickly, so that the transactions cannot be accurately carried out in real time, and the smooth operation of the transaction process is influenced; (3) if a single central network is utilized by an attack, and malicious behaviors such as arbitrarily tampering transaction contents, forging transaction contents, and maliciously judging confirmation or rejection of normal transactions occur, the digital asset transactions are put into a paralyzed state and even can not be used by people any more.
It is thus seen that there is a need to provide a digital asset processing method that reliably ensures the security and correctness of digital asset transactions.
Disclosure of Invention
Aiming at the defects of the prior art, the invention aims to provide a digital asset processing method based on a distributed shared general ledger, which avoids the bottleneck risk of confirming the digital asset transaction by a single central network and ensures the safety and the correctness of the digital asset transaction.
In order to achieve the above object, the present invention provides a digital asset processing method based on a distributed shared general ledger, comprising: the first user terminal, the second user terminal and the third user terminal are connected to the distributed shared general ledger network through respective distributed shared general ledger modules; after the first user fund account of the first user terminal receives the recharging fund from the third user fund account of the third user terminal, the recharging module of the first user terminal generates a recharging digital asset transaction request for recharging the digital asset target recharging amount corresponding to the recharging fund from the first user digital asset account of the first user terminal to the third user digital asset account of the third user terminal, and sends the recharging digital asset transaction request to all online user terminals in the distributed shared general ledger network, and each user terminal utilizes the respective transaction judgment module to judge and utilizes the respective shared synchronization module to store and share; when the final conclusion of the distributed shared general ledger network confirms that the recharging digital asset transaction request is successful, the recharging module of the third user terminal increases the stored value of the digital asset account of the third user by the digital asset target recharging amount, and the recharging module of the first user terminal increases the liability of the digital asset account of the first user by the digital asset target recharging amount; after a third user terminal selects and purchases a product belonging to a second user terminal on a transaction platform, a payment module of the third user terminal generates a payment digital asset transaction request for paying a digital asset target payment amount corresponding to the purchased product from a third user digital asset account of the third user terminal to a second user digital asset account of the second user terminal, and sends the payment digital asset transaction request to all online user terminals in a distributed shared general ledger network, and each user terminal utilizes a respective transaction judgment module to judge and utilizes a respective shared synchronization module to store and share; and when the final conclusion of the distributed shared ledger network confirms that the payment digital asset transaction request is successful, the payment module of the third user terminal reduces the stored value of the third user digital asset account by the digital asset target payment amount, and the payment module of the second user terminal increases the stored value of the second user digital asset account by the digital asset target payment amount.
The debt increase of the digital asset account of the first user refers to adding a debt corresponding to the target payment amount of the digital asset in the digital asset account of the first user.
Alternatively, the product may comprise a good, service, or software, etc.
In order to process digital asset transactions, each user terminal is respectively provided with a distributed shared general ledger module, a transaction judging module and a shared synchronization module, wherein the distributed shared general ledger module is used for connecting a plurality of user terminals to form a distributed shared general ledger network; the transaction judging module is used for independently judging each digital asset transaction on the distributed shared general ledger network and respectively sending the judging result to a plurality of user terminals; the sharing synchronization module is used for synchronously storing each confirmed digital asset transaction record on the distributed sharing general ledger network and requesting or providing each digital asset transaction record to other user terminals in the plurality of user terminals.
The method comprises the steps that recharging modules are respectively installed on a first user terminal and a third user terminal for conducting recharging digital asset transaction, recharging digital asset transaction requests for recharging from a first user digital asset account to a third user digital asset account are generated through the recharging modules, the recharging digital asset transaction requests are sent to all online user terminals in a distributed shared general ledger network, each user terminal conducts judgment through a corresponding transaction judgment module, and storage and sharing are conducted through a corresponding shared synchronization module.
The payment modules are respectively installed on a second user terminal and a third user terminal for carrying out payment digital asset transaction, a payment digital asset transaction request for carrying out payment from the third user digital asset account to the second user digital asset account is generated by using the payment modules, the payment digital asset transaction request is sent to all online user terminals in the distributed shared general ledger network, each user terminal carries out judgment by using the respective transaction judgment module, and the respective shared synchronization module is used for storing and sharing.
Preferably, the method further comprises the step of generating, by the transfer module of the third user terminal, a transfer digital asset transaction request to transfer the predetermined digital asset target transfer amount from the third user digital asset account of the third user terminal to a fourth user digital asset account of a fourth user terminal connected to the distributed shared ledger network.
Preferably, the transfer module of the third user terminal sends the transfer digital asset transaction request to all online user terminals in the distributed shared general ledger network, and each user terminal performs discrimination by using a respective transaction discrimination module and performs storage and sharing by using a respective sharing synchronization module.
Preferably, when the final conclusion of the distributed shared ledger network confirms that the transfer digital asset transaction request is successful, the transfer module of the third user terminal reduces the stored value of the third user digital asset account by the digital asset target transfer amount, and the transfer module of the fourth user terminal increases the stored value of the fourth user digital asset account by the digital asset target transfer amount.
Transfer modules are respectively installed on a third user terminal and a fourth user terminal for transferring digital asset transactions, transfer modules are used for generating transfer digital asset transaction requests for transferring from a third user digital asset account to a fourth user digital asset account, the transfer digital asset transaction requests are sent to all online user terminals in a distributed shared general ledger network, each user terminal is judged by using a respective transaction judgment module, and the respective shared synchronization module is used for storing and sharing
Optionally, the distributed shared ledger module is further for coordinating the joining or leaving of the distributed shared ledger network by the number of user terminals, communicating and identifying the number of user terminals, and storing information for closing value digital asset transactions, transferring digital asset transactions, and paying for digital asset transactions.
Optionally, the transaction judging module judges whether each digital asset transaction on the distributed shared general ledger network is true or false, repeated and the like in batch processing respectively and independently, confirms the digital asset transaction which is regarded as real and not repeated, and rejects other digital asset transactions; and the transaction judgment module on each user terminal collects the judgment results of all the user terminals, and uses a consistent algorithm to independently calculate and obtain a judgment conclusion of confirmation or rejection.
Optionally, the sharing synchronization module requests or provides the confirmed latest data of the digital asset transaction to other user terminals in the distributed sharing general ledger network, so that the other user terminals update and store the data of the digital asset transaction recorded by the other user terminals.
Optionally, each digital asset transaction is added to the distributed shared ledger in sequence, either collectively or individually, according to the time interval at which it was generated.
Optionally, all digital asset transactions in the unit time interval form a transaction set, and the shared synchronization module of the plurality of user terminals generates a newly created digital summary of the current set for each transaction set and the digital summary of the preceding transaction set.
Optionally, the transaction information is encrypted and tamper-protected before being sent to a number of user terminals on the distributed shared ledger network.
Preferably, the transfer digital asset transaction request contains at least the following information: transfer transaction number, transfer date and time, third user identification, fourth user identification, and digital asset target transfer amount.
Preferably, the recharge digital asset transaction request contains at least the following information: a recharge transaction number, a recharge date and time, a first user identification, a third user identification, and a target recharge amount for the digital asset.
Preferably, the payment digital asset transaction request contains at least the following information: a payment transaction number, a payment date and time, a second user identification, a third user identification, and a digital asset target payment amount.
Preferably, after the third user terminal selects to purchase a product belonging to the first user terminal on the transaction platform, the payment module of the third user terminal generates a payment digital asset transaction request for paying a digital asset target payment amount corresponding to the purchased product from the third user digital asset account of the third user terminal to the first user digital asset account of the first user terminal, and sends the payment digital asset transaction request to all online user terminals in the distributed shared general ledger network, and each user terminal utilizes the respective transaction judgment module to judge and utilizes the respective shared synchronization module to store and share.
Preferably, when the final conclusion of the distributed shared ledger network confirms that the payment digital asset transaction request is successful, the payment module of the third user terminal reduces the stored value of the third user digital asset account by the digital asset target payment amount, and the payment module of the first user terminal increases the stored value of the first user digital asset account by the digital asset target payment amount.
Preferably, the third user digital asset account comprises at least two digital asset sub-accounts, each digital asset sub-account having a label for identifying a digital asset recharge source.
Preferably, when the third user terminal conducts the payment digital asset transaction with the first user terminal, the payment module of the third user terminal preferentially selects the digital asset sub-account with the first user identification to conduct payment.
Alternatively, the digital assets comprise electronically stored value assets, electronically consumer assets, or electronically loyalty assets.
The invention has the beneficial effects that: 1) each user terminal on the multi-center distributed shared general ledger network is used for judging the digital asset transaction, so that the bottleneck risk of a single center is avoided, and the safety and reliability of the digital asset transaction confirmation are improved; 2) the distributed shared general ledger network ensures that each user terminal has a shared consistent general ledger, and new confirmed digital asset transactions can be continuously stored in the general ledger, so that the timeliness of the digital asset transactions is ensured; 3) the first user terminal can carry out recharging digital asset transaction and payment digital asset transaction on the third user terminal, and the sub-accounts of the third user digital asset account of the third user terminal can mutually approve and communicate stored values with different marks, so that approval and acceptance of the stored values with different marks are guaranteed when the payment digital asset transaction is carried out, and benefit guarantee of the digital assets is provided.
Drawings
The invention is further described below with reference to the accompanying drawings.
Fig. 1 shows a configuration diagram of a system implementing the digital asset processing method of the present invention.
FIG. 2 is a flow chart illustrating the implementation of the digital asset processing method of the present invention
Figure 3 illustrates a flow diagram of an implementation of a top-up digital asset transaction in accordance with the present invention.
FIG. 4 illustrates an implementation flow diagram of a payment digital asset transaction in accordance with the present invention.
FIG. 5 illustrates a flow diagram for an implementation of a transfer digital asset transaction in accordance with the present invention.
Detailed Description
Reference will now be made in detail to the embodiments of the present application, 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 exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.
Aiming at the defects in the existing internet digital asset transaction method, the invention provides a digital asset processing method based on a distributed shared general ledger. The system for implementing the digital asset processing method of the present invention is constructed as shown in fig. 1, and different user terminals are respectively provided with different modules, thereby implementing different digital asset transactions. Specifically, the first type of user terminals a 1-An are provided with a distributed shared general ledger module 100, a transaction determination module 200, a shared synchronization module 300 and a recharge module 500, the second type of user terminals B1-Bn are provided with a distributed shared general ledger module 100, a transaction determination module 200, a shared synchronization module 300 and a payment module 700, and the third type of user terminals C1-Cn are provided with a distributed shared general ledger module 100, a transaction determination module 200, a shared synchronization module 300, a recharge module 500 and a payment module 700. In addition, more types of user terminals, such as the nth user terminals N1-Nn, may be included, and the distributed shared ledger module 100, the transaction determination module 200, and the shared synchronization module 300 are provided.
The digital asset processing method of the present invention is described herein by taking as An example a digital asset transaction occurring between one of the first class of user terminals a 1-An (hereinafter referred to as a first user terminal), one of the second class of user terminals B1-Bn (hereinafter referred to as a second user terminal), and one of the third class of user terminals C1-Cn (hereinafter referred to as a third user terminal), and the specific implementation flow is shown in fig. 2.
First, in step S10, the present invention connects a first user terminal, a second user terminal, and a third user terminal to a distributed shared ledger network, where the distributed shared ledger network is a multi-center network structure, and each user terminal participating in the distributed shared ledger network has an identity unique in the distributed shared ledger network, and each user terminal can be freely and voluntarily connected and disconnected.
In step S20, after the first user 'S fund account of the first user terminal (which may be mapped to the role of the recharge center) receives the recharge fund from the third user' S fund account of the third user terminal (which may be mapped to the role of the customer), the recharge module of the first user terminal generates a recharge digital asset transaction request for recharging the third user 'S digital asset account of the third user terminal with the target recharge amount of the digital asset corresponding to the recharge fund from the first user' S digital asset account of the first user terminal. The first user terminal sends the recharging digital asset transaction request to all online user terminals in the distributed shared general ledger network, each user terminal is distinguished by the respective transaction distinguishing module, and the respective sharing synchronization module is used for storing and sharing.
As a non-limiting specific embodiment, as shown in fig. 3, when a recharging digital asset transaction is performed (i.e. a process of adding a corresponding value to a digital asset account of a first user in a third user terminal paying a recharging money to the first user terminal), a customer may pay a recharging fund to a recharging center in an "interactive manual recharging manner" or in an "online self-service recharging manner". The method comprises the following specific steps: when the interactive manual recharging starting mode is adopted, after the recharging center receives the recharging money paid by the customer (such as a cash receiving mode, a bank card swiping mode, a network transfer mode and a mobile payment mode), the recharging center inputs a specified recharging amount (such as n) and the identity of the customer (or automatically obtains in a code scanning mode) on a system interface of the recharging center, and submits the recharging amount and the identity on the system interface. When the online self-help recharging starting mode is adopted, a customer logs in a network recharging platform of a specified recharging center by using a computer or an intelligent terminal connected to the Internet and pays a specified amount (such as n) of recharging money in an online self-help mode (a French currency, a system online collection channel can enable a unionpay online payment mode, a commercial bank online payment mode, a third-party online payment mode and the like). After the network recharging platform of the recharging center and the online money receiving channel confirm that the recharging amount n is paid out, the network recharging platform of the recharging center submits the identity of the customer (provided by the user during registration) to the recharging center. Then, the recharging center generates a unique transaction number for the recharging digital asset transaction, and the unique transaction number, the recharging date and time, the identity of the recharging center, the identity of the customer, the recharging amount n and the like are used as complete transaction information and sent to all online user terminals in the distributed shared general ledger network to request transaction judgment modules of all the user terminals to judge the transaction information of the recharging digital asset transaction.
When the final conclusion of the distributed shared ledger network confirms that the charge digital asset transaction request is successful, the stored value of the third customer digital asset account of the customer is increased by the digital asset target charge amount, and the liability of the first customer digital asset account of the charge center is increased by the digital asset target charge amount in step S30.
As a non-limiting specific embodiment, as shown in fig. 3, each user terminal including the recharging center initiated by the recharging digital asset transaction receives the discrimination results sent by other user terminals, and calculates the results according to the same rule and algorithm to obtain a consistent final discrimination conclusion. If the conclusion is "confirmed," each user terminal in the distributed shared ledger network will keep the transaction record as required by the rules. Moreover, for the recharging center and the customer, "confirmation" indicates that the recharging is successful, corresponding stored value is added in the digital asset account of the customer, equivalent "debt" (a special sub-account) is added in the account of the recharging center, namely, corresponding liability is added, the recharging center and the customer can give out the recharging success and corresponding prompt information on respective system interfaces, and the whole recharging digital asset transaction is finished. If the conclusion is 'refusal', the recharging is not successful, the recharging center records the failure and gives out the unsuccessful recharging and corresponding prompt information on a system interface.
Continuing to return to fig. 1, in step S40, after the third user terminal (which may be mapped to the role of the customer) selects a product (such as a good or a service) on the transaction platform, which belongs to the second user terminal (which may be mapped to the role of the merchant), for purchase, the payment module of the third user terminal generates a payment digital asset transaction request for paying a digital asset target payment amount corresponding to the purchased product from the third user digital asset account of the third user terminal to the second user digital asset account of the second user terminal, that is, when a consumer action such as purchasing the good or the service occurs at the merchant, a transfer digital asset transaction process occurs in which the stored value in the third user digital asset account of the customer is transferred to the second user digital asset account of the merchant; and then, the third user sends the transaction request of the payment digital asset to all online user terminals in the distributed shared general ledger network, and each user terminal utilizes the respective transaction judgment module to judge and utilizes the respective shared synchronization module to store and share.
Of course, as an alternative embodiment, if the amount of stored value in the customer is not enough to pay, the customer may also pay the corresponding payment funds for the product to the merchant to which the product belongs, and then the payment module of the third user terminal proceeds to generate a payment digital asset transaction request to pay the target payment amount of the digital asset corresponding to the payment funds from the third user digital asset account of the third user terminal to the second user digital asset account of the second user terminal. Specifically, as shown in fig. 4, the payment of the product from the customer to the merchant may be performed in a "manual payment manner" between the customer and the merchant, or may be performed in a "self-service payment manner online" completely. In the manual payment method, there are two specific operation methods: one is that the merchant inputs the appointed amount (such as n) of collection, customer's identity (can also be scanned the code way and obtain automatically), submit in its system interface, customer confirms paying after the information of this transaction of system interface check of oneself; the other is that the customer inputs a specified payment amount (such as n) and the identity of the merchant (which can also be automatically obtained in a code scanning mode) on the system interface of the customer, and the merchant confirms payment after checking the information of the transaction on the system interface. The specific operation of the online self-service payment mode is that a customer enters a payment system due to the network payment requirement, a merchant identity and a payment amount are filled in a payment system interface, the customer fills own identity information in the system interface, and payment is confirmed after the information of the transaction is checked.
Finally, in step S50, when the final conclusion of the distributed shared ledger network confirms that the payment digital asset transaction request was successful, the stored value of the customer 'S third user digital asset account is decreased by the digital asset target payment amount, and the stored value of the merchant' S second user digital asset account is increased by the equivalent digital asset target payment amount.
As a non-limiting specific embodiment, as shown in fig. 4, each user terminal including the customer and the merchant receives the determination results sent by other user terminals, and the transaction determination module of each user terminal calculates the results according to the same rule and algorithm to obtain a consistent final determination result. If the conclusion is "confirmed," each user terminal in the distributed shared ledger network will keep the transaction record as required by the rules. Moreover, for the customer and the merchant, "confirmation" indicates that the payment is successful, the third user digital asset account of the customer is decreased by the corresponding stored value, the second user digital asset account of the merchant is increased by the corresponding stored value, the merchant and the customer give out the payment success and the corresponding prompt information on the respective system interfaces, and the whole payment digital asset transaction is finished. However, if the conclusion is "reject", it indicates that the payment is not successful, and the merchant and the customer will record the failure and give a prompt message on their system interface indicating that the payment is not successful.
As an alternative embodiment, the transfer digital asset transaction between two customers may also be accomplished by transferring stored value from a third user digital asset account of a third user terminal (which may be mapped to the role of the first customer) to a fourth user digital asset account of a fourth user terminal (which may be mapped to the role of the second customer). As shown in FIG. 5, first, the first customer enters a designated transfer amount, an identification of the second customer, and a submission at their system interface.
Of course, in order to prevent the occurrence of the wrong transfer, the first customer is required to input a transfer password during the transfer, or the second customer manually confirms the acceptance of the transfer before starting the subsequent transfer step.
Then, the first customer generates a unique transaction number for the transfer digital asset transaction, and the unique transaction number, together with the transfer date and time, the identification of the first customer, the identification of the second customer, the transfer amount and the like are used as complete transaction information and sent to each user terminal in the distributed shared general ledger network to request a transaction judgment module of each user terminal to judge the transaction information of the transfer digital asset transaction.
And after the transaction discrimination module of each user terminal receiving the discrimination request in the distributed shared general ledger network calculates the discrimination result, the result is sent to other user terminals in the distributed shared general ledger network.
And each user terminal including the first customer and the second customer receives the judgment results sent by other user terminals, and the results are calculated according to the same rule and algorithm to obtain a consistent final judgment conclusion.
If the conclusion is "confirmed," each user terminal in the distributed shared ledger network will keep the transaction record as required by the rules. Moreover, for the first customer and the second customer, "confirmation" indicates that the recharging is successful, the digital asset sub-account of the first customer is decreased by the corresponding stored value, the digital asset sub-account of the second customer with the same identification is increased by the corresponding stored value, the system interfaces of the first customer and the second customer give out the successful transfer and corresponding prompt information, and the whole transfer transaction is ended.
If the conclusion is 'reject', the transfer is not successful, the first customer records the failure and gives a prompt message on the system interface of the first customer, wherein the prompt message indicates that the transfer is not successful.
As another alternative, the merchant may also be a recharging center, and a recharging digital asset transaction occurs with the customer, and in any starting manner, if the merchant is also the recharging center, a sub-account corresponding to the merchant is set in the digital asset account of the customer, and then the sub-account with the merchant label is stored preferentially for the payment transaction. Then, the customer generates a unique transaction number for the payment transaction, and the unique transaction number, together with the payment date and time, the identity of the merchant, the identity of the customer, the sub-account, the payment amount and the like are sent to all online user terminals in the distributed shared general ledger network as complete transaction information, and each user terminal utilizes a respective transaction judgment module to judge and utilizes a respective shared synchronization module to store and share the transaction information.
Therefore, the digital asset processing method based on the distributed shared general ledger of the invention allows a plurality of charging centers which can be merchants to charge customers, and the value charged in the account stored value of the customer can be attached with different identifiers (such as the identifier of the charging center A1), so that the account stored value of the customer has total stored value and the itemized stored values of each charging center, and the sum of the itemized stored values of each charging center is the total stored value. Similarly, the merchant of money collection may be the recharging center itself, or may be another common merchant or another recharging center, which approves and accepts the stored value paid by the customer for consumption, regardless of which recharging center the stored value is for recharging. Thereby achieving mutual recognition and intercommunication of the recharging and the value storage. I.e., any merchant may accept any identified stored value within the system, thus providing a guarantee of benefit.
In addition, the user terminal newly joining the distributed shared general ledger network can select to synchronously download all or part of the past confirmed general ledgers from the distributed shared general ledger network, so that the user terminal has a consistent general ledger shared with other user terminals in the distributed shared general ledger network locally, and the confirmed transactions can be continuously saved in the local general ledger. The general ledger downloaded from the distributed shared general ledger network can be retrieved from a plurality of user terminals in segments rather than from some single other user terminal, and is verified and spliced locally, and the verification link ensures the correctness of the general ledger. When a user terminal (communication interruption or storage failure, etc.) temporarily quits the network is connected to the distributed shared general ledger network, the user terminal finds that the general ledger of the user terminal is behind the progress or is not complete enough, at this time, a plurality of user terminals in the distributed shared general ledger network can request to download a required part of the general ledger, and the required part of the general ledger is verified and spliced locally, the verification link ensures the correctness of the general ledger, and meanwhile, the local user terminal also has a consistent general ledger shared with other user terminals in the distributed shared general ledger network.
Further, since the network architecture of the distributed shared general ledger has the characteristics of the ad hoc network logically, the newly added user terminal does not need to deploy other basic devices and software systems, including software systems such as various server hardware, various operating systems and databases, network facilities such as various routers and switches, security facilities such as various firewalls, and the like, besides the hardware/intelligent terminal with computing, storage and communication capabilities required for installing and running necessary modules by itself, thereby realizing the zero configuration infrastructure threshold. Certainly, the user terminal may adopt a high-performance server to install and deploy the system for certain personalized needs of the user terminal, such as higher reliability, high performance, and the like, and may also add a backup server to backup the shared general ledger. The deployment of these software and hardware facilities is not necessary, but can indeed improve the computational efficiency and reliability of the present user terminal.
Furthermore, the digital assets of the invention can be embodied in the form of "prepaid cards" which may have no physical card, i.e. a "virtual card", which is essentially a series of identities stored in a memory of each user terminal added to the distributed shared ledger network. Various transactions corresponding to the identification correspond to actual activities of recharging, payment, transfer and the like of the virtual card.
Although preferred embodiments of the present invention have been described in detail herein, it is to be understood that this invention is not limited to the precise construction and steps herein shown and described, and that other modifications and variations may be effected by one skilled in the art without departing from the spirit and scope of the invention. In addition, various parameters disclosed may be appropriately selected within the scope disclosed in the present invention depending on the specific use conditions. Further, the order of the steps of the disclosed construction may be changed or adjusted as appropriate according to the specific conditions of use.
Claims (10)
1. A digital asset processing method based on a distributed shared general ledger comprises the following steps:
the first user terminal, the second user terminal and the third user terminal are connected to the distributed shared general ledger network through respective distributed shared general ledger modules;
after the first user fund account of the first user terminal receives the recharging fund from the third user fund account of the third user terminal, the recharging module of the first user terminal generates a recharging digital asset transaction request for recharging a digital asset target recharging amount corresponding to the recharging fund from the first user digital asset account of the first user terminal to the third user digital asset account of the third user terminal, sends the recharging digital asset transaction request to all online user terminals in the distributed shared general ledger network, and each user terminal utilizes a respective transaction judgment module to judge and utilizes a respective shared synchronization module to store and share;
when the final conclusion of the distributed shared general ledger network confirms that the recharging digital asset transaction request is successful, the recharging module of the third user terminal increases the stored value of the digital asset account of the third user by the digital asset target recharging amount, and the recharging module of the first user terminal increases the liability of the digital asset account of the first user by the digital asset target recharging amount;
after the third user terminal selects and purchases a product belonging to the second user terminal on a transaction platform, a payment module of the third user terminal generates a payment digital asset transaction request for paying a digital asset target payment amount corresponding to the purchased product from a third user digital asset account of the third user terminal to a second user digital asset account of the second user terminal, and sends the payment digital asset transaction request to all online user terminals in the distributed shared general ledger network, and each user terminal utilizes a respective transaction judgment module to judge and utilizes a respective shared synchronization module to store and share; and
when the final conclusion of the distributed shared ledger network confirms that the payment digital asset transaction request is successful, the payment module of the third user terminal reduces the stored value of the third user digital asset account by the digital asset target payment amount, and the payment module of the second user terminal increases the stored value of the second user digital asset account by the digital asset target payment amount;
each digital asset transaction is sequentially added to the distributed shared general ledger in a set mode according to the time interval of the generation time of the digital asset transaction; all digital asset transactions in a unit time interval form a transaction set, and a shared synchronization module of a plurality of user terminals generates a newly-built digital abstract of a current set aiming at the digital abstract of each transaction set and a preamble transaction set; before sending to a plurality of user terminals on the distributed shared general ledger network, encrypting the transaction information and carrying out tamper-proof protection processing;
in order to process digital asset transactions, each user terminal is respectively provided with a distributed shared general ledger module, a transaction judging module and a shared synchronization module, wherein the distributed shared general ledger module is used for connecting a plurality of user terminals to form a distributed shared general ledger network; the transaction judging module is used for independently judging each digital asset transaction on the distributed shared general ledger network and respectively sending the judging result to a plurality of user terminals; the sharing synchronization module is used for synchronously storing each confirmed digital asset transaction record on the distributed sharing general ledger network and requesting or providing each digital asset transaction record to other user terminals in the plurality of user terminals;
the method comprises the steps that recharging modules are respectively installed on a first user terminal and a third user terminal which carry out recharging digital asset transaction, recharging digital asset transaction requests for recharging from a first user digital asset account to a third user digital asset account are generated by the recharging modules, the recharging digital asset transaction requests are sent to all online user terminals in a distributed shared general ledger network, each user terminal is judged by a respective transaction judgment module, and the user terminals are stored and shared by respective shared synchronization modules; and
the payment modules are respectively installed on a second user terminal and a third user terminal for carrying out payment digital asset transaction, a payment digital asset transaction request for carrying out payment from the third user digital asset account to the second user digital asset account is generated by using the payment modules, the payment digital asset transaction request is sent to all online user terminals in the distributed shared general ledger network, each user terminal carries out judgment by using the respective transaction judgment module, and the respective shared synchronization module is used for storing and sharing.
2. The distributed shared ledger-based digital asset processing method of claim 1, further comprising the step of generating, by the transfer module of the third user terminal, a transfer digital asset transaction request to transfer a predetermined digital asset target transfer amount from the third user digital asset account of the third user terminal to a fourth user digital asset account of a fourth user terminal connected to the distributed shared ledger network.
3. The distributed shared ledger-based digital asset processing method of claim 2, wherein the transfer module of the third user terminal sends the transfer digital asset transaction request to all online user terminals in the distributed shared ledger network, and each user terminal makes a decision using a respective transaction decision module and saves and shares using a respective shared synchronization module.
4. The distributed shared ledger-based digital asset processing method of claim 3, wherein when the final conclusion of the distributed shared ledger network confirms that the transfer digital asset transaction request is successful, the transfer module of the third user terminal decreases the stored value of the third user digital asset account by the digital asset target transfer amount, and the transfer module of the fourth user terminal increases the stored value of the fourth user digital asset account by the digital asset target transfer amount.
5. The distributed shared ledger-based digital asset processing method of claim 4, wherein the transfer digital asset transaction request contains at least the following information: transfer transaction number, transfer date and time, third user identification, fourth user identification, and digital asset target transfer amount.
6. The distributed shared ledger-based digital asset processing method of any of claims 1-5, wherein the recharge digital asset transaction request contains at least the following information: the method comprises the steps of charging a transaction number, a charging date and time, a first user identity, a third user identity and a digital asset target charging amount; the payment digital asset transaction request contains at least the following information: a payment transaction number, a payment date and time, a second user identification, a third user identification, and a digital asset target payment amount.
7. The digital asset processing method based on the distributed shared general ledger of any one of claims 1 to 5, characterized in that after the third user terminal selects to purchase a product belonging to the first user terminal on a transaction platform, the payment module of the third user terminal generates a payment digital asset transaction request for paying a digital asset target payment amount corresponding to the purchased product from the third user digital asset account of the third user terminal to the first user digital asset account of the first user terminal, and sends the payment digital asset transaction request to all online user terminals in the distributed shared general ledger network, and each user terminal makes a judgment by using a respective transaction judgment module and makes a saving and a sharing by using a respective sharing synchronization module.
8. The distributed shared ledger-based digital asset processing method of claim 7, wherein when a final conclusion of the distributed shared ledger network confirms that the payment digital asset transaction request is successful, the payment module of the third user terminal decreases the stored value of the third user digital asset account by the digital asset target payment amount, the payment module of the first user terminal increases the stored value of the first user digital asset account by the digital asset target payment amount.
9. The distributed shared ledger-based digital asset processing method of claim 8, wherein the third user digital asset account comprises at least two digital asset sub-accounts, each digital asset sub-account having a token for identifying a digital asset top-up source, respectively.
10. The distributed shared ledger-based digital asset processing method of claim 9, wherein when the third user terminal conducts a payment digital asset transaction with the first user terminal, a payment module of the third user terminal preferentially selects a digital asset sub-account having a first user identification for payment.
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| WO2018120057A1 (en) * | 2016-12-30 | 2018-07-05 | 深圳前海达闼云端智能科技有限公司 | Currency management method and system based on block chain |
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| CN108563693A (en) * | 2018-03-16 | 2018-09-21 | 阿里巴巴集团控股有限公司 | A kind of processing method of affairs, device and equipment |
| CN108876616A (en) * | 2018-06-13 | 2018-11-23 | 众安信息技术服务有限公司 | Exchange information processing method, device and assets based on block chain register settlement system |
| CN110728506B (en) * | 2019-10-21 | 2022-09-20 | 中国民航信息网络股份有限公司 | Transaction data processing method and device |
| US11138586B1 (en) | 2020-03-23 | 2021-10-05 | Daxchain Limited | Digital asset exchange system and related methods |
| CN112819612A (en) * | 2020-11-25 | 2021-05-18 | 辽宁振兴银行股份有限公司 | Automatic configuration system for butt-joint channel of payment system |
| CN113762940A (en) * | 2021-09-06 | 2021-12-07 | 支付宝(杭州)信息技术有限公司 | Asset management method and device based on block chain and electronic equipment |
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