CN107077675A

CN107077675A - Block chain based currency management method and system

Info

Publication number: CN107077675A
Application number: CN201680003220.7A
Authority: CN
Inventors: 王健; 王海; 谢辉
Original assignee: Cloudminds Shenzhen Robotics Systems Co Ltd
Current assignee: Cloudminds Robotics Co Ltd
Priority date: 2016-12-30
Filing date: 2016-12-30
Publication date: 2017-08-18
Also published as: WO2018120057A1

Abstract

The present disclosure provides a block chain based currency management method and system, the method comprising: the first node initiates a first transfer transaction for transferring money from the first account to a second account in the blockchain through the first account, wherein the first transfer transaction comprises a preset digital signature of one or more specified accounts having money management authority on the first transfer transaction; the currency management authority comprises at least one of issuing authority, supervision authority and transfer authority of the currency; when a designated node in the blockchain network determines that the digital signature of the transfer transaction comprises the digital signatures of the one or more designated accounts, determining that the first transfer transaction is verified; when the first transfer transaction passes the verification, the miner node in the blockchain network stores the first transfer transaction into the blockchain, and management of multiple authorities of the currency in the blockchain network can be achieved.

Description

Money management method and system based on block chain

Technical field

This disclosure relates to currency management technical field, more particularly to a kind of money management method based on block chain and it is System.

Background technology

Block chain (Blockchain) technology is a kind of distribution, non-stop layer, the network data common recognition storage skill without trust Art.Based on unique block (Block) generting machanism such as PoW (Proof of Work, proof of work) or PoS (Proof of Stake, rights and interests are proved), P2P (Point to Point, point-to-point) network communication mechanism, realize the synchronization of Distributed Calculation Sex chromosome mosaicism.In the digital goods ratio of such as bit coin (Bitcoin) etc., as account book (Public Ledger), widely should it obtain With successfully solving anonymity, security, non repudiation, trackability, the honeysuckle (double of digital cash Spending) a series of problems, such as.

In the application of block chain, by taking bit coin (Bitcoin) as an example, its note issuance mode is agreement (protocol) A part, reaches the standard grade (upper limit as specified in bit coin agreement is about 27,000,000 bit coin) as its agreement defines monetary aggregates, The generation for defining bit coin is only capable of realizing by digging ore deposit (generation new block) reward (mining incentive), therefore it is cast Coin power/right to issue paper money is a part for agreement, and any participant is without the right issued currency, and the value of bit coin is by handing over Easy institute's (mechanism of exchange of bit coin) embodies, but the function of exchange is only that bit coin and its in current correlation technique The exchange of its currency, the exchange also other administration authorities without currency.

The content of the invention

The purpose of the disclosure is to provide a kind of money management method and system based on block chain, for solving existing area The problem of other administration authorities can not being supported in block chain technology in addition to currency conversion.

To achieve these goals, there is provided a kind of currency management based on block chain for the first aspect of the embodiment of the present disclosure Method, methods described includes：

First node is initiated from first account to the second account transferring money by the first account in block chain First money transfer transactions, first money transfer transactions have currency management authority comprising what is pre-set to first money transfer transactions One or more destiny accounts digital signature；The currency management authority includes the distribution authority of currency, supervision authority, turned At least one of account authority；

When the specified node in block chain network determines the digital signature of the money transfer transactions comprising one or more of During the digital signature of destiny account, determine that first money transfer transactions pass through checking；

When first money transfer transactions are by verifying, miner's node in the block chain network is transferred accounts described first In the transaction deposit block chain.

The second aspect of the embodiment of the present disclosure includes there is provided a kind of currency managing system based on block chain, the system： Block chain network and block chain, the block chain network include first node, specify node and miner's node, wherein：

Being initiated by the first account in block chain from first account to the second account in the block chain network First money transfer transactions of transferring money, first money transfer transactions have goods comprising what is pre-set to first money transfer transactions The digital signature of one or more destiny accounts of coin administration authority；Distribution authority of the currency management authority including currency, Supervise authority, at least one of authority of transferring accounts；

Specified node in the block chain network is used for when the digital signature for determining the money transfer transactions includes described one During the digital signature of individual or multiple destiny accounts, determine that first money transfer transactions pass through checking；

Miner's node in the block chain network is used for, when first money transfer transactions are by verifying, by described One money transfer transactions are stored in the block chain.

By above-mentioned technical proposal, by pre-setting the destiny account with currency management authority, currency management power Limit includes right of issue, custodial right, transfers accounts and at least one of weighs, and is initiated when there is first node by the first account in block chain During from the first account to the first money transfer transactions of the second account transferring money, needed in first money transfer transactions by this first turn The digital signature of one or more destiny accounts of the account transaction with currency management authority, therefore when specifying in block chain network When node determines that the digital signature of first money transfer transactions includes the digital signature of one or more destiny accounts, this first turn Account transaction just can be by being verified, the first money transfer transactions are just stored in block chain by miner's node in block chain network, so that Complete the transferring money from the first account to the second account.There is provided a kind of administrative mechanism of the digital cash based on block chain, The problem of can not supporting other administration authorities in addition to currency conversion in existing block chain technology is can solve the problem that, area can be realized The management of a variety of authorities of currency in block chain network.

Brief description of the drawings

Accompanying drawing is, for providing further understanding of the disclosure, and to constitute a part for specification, with following tool Body embodiment is used to explain the disclosure together, but does not constitute limitation of this disclosure.In the accompanying drawings：

Fig. 1 is the graph of a relation between a kind of account of the different rights exemplified according to an implementation；

Fig. 2 is a kind of flow chart of the money management method based on block chain exemplified according to an implementation；

Fig. 3 is the flow chart of another money management method based on block chain exemplified according to an implementation；

Fig. 4 is the flow chart of another money management method based on block chain exemplified according to an implementation；

Fig. 5 is the flow chart of another money management method based on block chain exemplified according to an implementation；

Fig. 6 is the flow chart of another money management method based on block chain exemplified according to an implementation；

Fig. 7 is the flow chart of another money management method based on block chain exemplified according to an implementation；

Fig. 8 is the flow chart of another money management method based on block chain exemplified according to an implementation；

Fig. 9 is the flow chart of another money management method based on block chain exemplified according to an implementation；

Figure 10 is a kind of structure chart of the currency managing system based on block chain exemplified according to an implementation；

Figure 11 is a kind of block diagram of the currency management device based on block chain provided according to an embodiment；

Figure 12 is the block diagram of another money management method device based on block chain provided according to an embodiment.

Embodiment

It is described in detail below in conjunction with accompanying drawing embodiment of this disclosure.It should be appreciated that this place is retouched The embodiment stated is merely to illustrate and explained the disclosure, is not limited to the disclosure.

First, before a kind of money management method and system based on block chain provided the disclosure is illustrated, First block chain is introduced, block chain is that the decentralization that all nodes participate in safeguarding jointly in block chain network is distributed Database Systems, it is in a series of data chunks produced based on cryptography method are block chain into, each data block A block.According to the sequencing of generation time, block is linked together in an orderly manner, forms a data chain, quilt Visually it is referred to as block chain (Blockchain).Some concepts to block chain network are introduced below.

Node in block chain network is properly termed as block chain node, and wherein block chain network is based on P2P (Peer to Peer, peer-to-peer network) network, each participate in business and block is stored, verified, the P2P network nodes of forwarding are a blocks Node in chain network.

User identity in block chain can use public key either to be represented according to the account address of public key generation, and Public key and private key occur in pairs, wherein private key by user grasp without being published in above-mentioned block chain network, public key or The above-mentioned account address of person can be arbitrarily issued in block chain network.Wherein, after public key can be by specific Hash and coding As above-mentioned account address.It is noted that one-to-one relationship, Yong Huke is not present in user identity and block chain node To use the private key of oneself on any one block chain node.

On ordinary meaning, in the forming process of block chain, each node for participating in calculating enjoys identical authority (going to center, without trust), including transaction (Transaction), the core work(such as calculation block (being commonly called as digging ore deposit, i.e. mining) Energy.Wherein, transaction represents the data by block is written into, and block (Block) then uses specific generting machanism, it is ensured that most long Chain (most long chain includes the block of most forward-backward correlations) is active chain.In the data of transaction, certain attribute is normally comprised Or currency, such as (i.e. the private key of owner is merchandised to it to be encrypted the digital signature for the owner that merchandises, on ordinary meaning Referred to as digital signature), account address of recipient etc. of merchandising has passed through the checking to owner's digital signature in the transaction, and Be written into after block, will the currency ownership transfer to the side of recipient one.

Data on block chain write the process of block, are to be merchandised from block chain node by being issued to block chain network (Transaction) realize to block chain and write data.The transaction includes：Block chain link point is according to default transaction data format To the transaction data package of generation, and using the block chain node oneself private key the transaction data package is carried out numeral sign Name, the digital signature is used to prove the identity of the user of the block chain node.Then, the transaction is by " the ore deposit in block chain network Work " (the block chain node for performing PoW common recognition competition mechanisms) is recorded into the new block produced in block chain, and the transaction is sent out Cloth is into block chain network, in the transaction by other block chain node verifications by the way that (other nodes can be from the block chain node The public key of the block chain node is obtained in the transaction of generation, and above-mentioned digital signature is entered according to the public key of the block chain node Row checking, except verify digital signature in addition to can also verify whether transaction data package is defined data structure) and receiving after, The transaction is to be written into block chain.Wherein, the new block in block chain is by performing PoW common recognition competitions by above-mentioned " miner " (mechanism can be understood as mechanism：Each " miner ", for example will according to default random number according to the default technical requirements of block Ask to calculate random number jointly, which " miner ", which first calculates, meets the random number of random number requirement, should " miner " generation Block just as the new block) and periodically produce, therefore produce the time interval of new block generally and above-mentioned default skill Art requires related, and the default technical requirements different by setting can change the time interval that block chain produces new block.This hair In each bright disclosed embodiment, the flow of money transfer transactions is initiated into block chain can use above-mentioned flow.It is of the invention public It can be a kind of currency managing system based on block chain to open the application scenarios involved by each embodiment, and the system is based on block Chain, can at least include：Node in block chain network and block chain, wherein block chain network is provided with different by advance Currency management authority, to play the part of different roles, illustratively, these currency management authorities can include：

Administrative power (Administration)：The authority of other nodes is managed, is highest authority, is responsible for the power of other nodes The operations such as setting, cancellation or the pause of limit.Issue authority (Issuing)：The authority issued currency, is endowed the section of right of issue Point is with the right issued currency.Supervise authority (Regulation)：That is supervision currency transfer process is (such as between joint account Transfer accounts) right, participate in note issuance and the multiple party signatures transferred accounts, it is ensured that the validity issued and transferred accounts.Transfer accounts authority (Transaction)：Possess the right for sending money transfer transactions, usual user or financial institution have authority of transferring accounts.Dig mineral rights limit (Mining)：Possess the right of synchronization (Synchronization) block chain and generation block (Mining).Synchronous authority (Synchronization)：Possess the authority of synchronous block chain.

Accordingly, each above-mentioned authority is typically what is realized by different nodes using different accounts, illustratively, These accounts can be respectively set to：

Account executive (Admin Account)：It is responsible for the foundation of block chain and authority or the management of role of each node Account, i.e. highest rights account.Issuing account (Issuer Account)：Issuing account has distribution and authority of transferring accounts, can Issue additional currency or reclaim currency, in the case where not considering to dig ore deposit reward, issuing account is unique note issuance side in chain.Prison Pipe account (Regulation Account)：The account that financial regulator uses, generally possesses synchronous authority and as joint The participant of account, but do not possess transfer accounts authority and administration authority generally for security consideration.Institution account (Organization Account)：The account that i.e. financial institution uses, generally only possesses authority of transferring accounts, and the transaction generally as joint account is participated in Side.User account (User Account)：Generally only possess authority of transferring accounts, generally as the participant of joint account.Joint account Family (Union Account)：It is a kind of virtual account, is typically combined by user, financial institution and financial regulator and set up, only Transfer accounts authority.Reclaim account (Burner Account)：The account that currency is reclaimed, no private key account, without any authority.Intelligence Contract (Smart Contract)：Intelligent contract is actually the executable code being stored on block chain, is not stricti jurise On account because its not necessarily be provided with actual possessor, but its characteristic and behavior can be counted as under many circumstances one kind by The machine account of programmed logic control.Example, Fig. 1 is between a kind of account of the different rights exemplified according to an implementation Graph of a relation, issuing account, the relation reclaimed between account, institution account, joint account, user account and supervision account can be with As shown in figure 1, joint account 1 is combined and set up by institution account 1, user account 1 and supervision account in Fig. 1, joint account Family 2 is combined by institution account 2, user account 2 and supervision account sets up, between institution account and joint account, jointly Money transfer transactions can be carried out between account and joint account, issuing account can be to recovery account transfer.

Fig. 2 is a kind of flow chart of the money management method based on block chain exemplified according to an implementation, referring to Fig. 2, This method may comprise steps of.

Step 101, first node initiates to be shifted to the second account from first account by the first account in block chain First money transfer transactions of currency, first money transfer transactions have currency management authority comprising what is pre-set to the first money transfer transactions One or more destiny accounts digital signature；The currency management authority includes the distribution authority of currency, supervision authority, transferred accounts At least one of authority.

Wherein, first account can be any account in above-mentioned issuing account, institution account, joint account.Hair Row account has distribution authority and authority of transferring accounts, and is typically only capable to enough and institution account or recovery account carries out money transfer transactions, remove The recovery of currency can also be carried out outside this, and directly can not carry out money transfer transactions with joint account；Institution account, which has, transfers accounts Authority, can carry out money transfer transactions with joint account, other institution accounts, currency conversion account；Joint account has the power of transferring accounts Limit, can carry out money transfer transactions with other joint accounts either institution account.

Step 102, when the specified node in block chain network determine the digital signature of first money transfer transactions comprising this one During the digital signature of individual or multiple destiny accounts, determine that first money transfer transactions pass through checking.

Wherein, the specified node in block chain network refers to enter the transaction that any node is issued in block chain network The node of row checking, these specify nodes to be all nodes in block chain network or preassigned one Partial node.

Step 103, when first money transfer transactions are by verifying, miner's node in the block chain network is by this first turn In account transaction deposit block chain.

The above-mentioned account with different rights can apply to the moneytary operations behavior of different scenes, for different scenes Method of commerce be described respectively in embodiments below.

Illustratively, under a kind of application scenarios of note issuance, the first account in step 101 is the distribution account of currency Family, the second account is the first institution account of the first financial institution, and corresponding one or more destiny accounts include distribution account Family and the supervision account of financial regulator.

Corresponding, step 101 can include：First node is initiated by the distribution by the issuing account in the block chain Address comprising issuing account, the in the first money transfer transactions that account is transferred accounts to first institution account, first money transfer transactions Address, the digital signature of the note issuance amount of money and issuing account and the digital signature for supervising account of one institution account.Wherein, Issuing account for example can be account used in the Central Bank, and the first financial institution can be the bank for participating in note issuance.

, wherein it is desired to explanation, after first money transfer transactions are stored in block chain, the current currency in block chain is total Quantitative change is former monetary aggregates and the summation of the note issuance amount of money, its Central Plains monetary aggregates be the first money transfer transactions deposit block chain it Monetary aggregates in the preceding block chain.

In traditional block chain technology, the distribution of currency is produced typically by ore deposit reward mechanism is dug, i.e., to miner The generation new block of node is rewarded.The monetary aggregates upper limit is about 27,000,000 bit coin for example specified in bit coin agreement, The amount of money for producing the digging ore deposit reward of new block every time is provided by the agreement.Its mode rewarded is the new district produced in miner's node First transaction is write in block, the amount of money for being awarded to miner's node is included in the transaction.Thus, it can be understood that, in tradition Block chain technology in, can only write the transaction once issued currency in a new block, and exchange's distribution each time Amount of currency is the value of agreement defined.Therefore compared in traditional block chain technology, the technical scheme that the disclosure is provided In, there is the authority issued currency due to having pre-set issuing account in the protocol, therefore issuing account can be according to reality Border need at any time, initiate arbitrary number of times for the transaction issued currency, and the friendship issued currency initiated every time The note issuance amount of money in easily can arbitrarily be set according to actual needs.Therefore, in the technical program, it is rewarded except digging ore deposit Outside, write in a block for the transaction issued currency, it may be possible to one or more, it is also possible to be zero.And Because the authority issued currency of issuing account is provided in agreement, therefore other nodes in block chain network can Approve the transaction issued currency that the issuing account is initiated, therefore can not only realize the purpose of note issuance, more cause block Note issuance in chain is more flexible, it is easy to manage.

Or, under the application scenarios that a kind of currency is reclaimed, the first account in step 101 is still the distribution account of currency Family, the second account is the recovery account of currency, and corresponding one or more destiny accounts are the issuing account and the supervision account Family.

Corresponding, step 101 can now include：First node is initiated by this by the issuing account in the block chain The first money transfer transactions from issuing account to the recovery account transfer, the address comprising the issuing account in first money transfer transactions, The digital signature of the amount of money and the digital signature of the issuing account and the supervision account is reclaimed in the address of the recovery account, currency.

Wherein, it is a kind of account without private key due to reclaiming account, therefore the currency being transferred in its account can not turn again Go out, can be considered as and destroy, therefore the currency that recovery account is transferred to can just be considered as this part currency recovery by issuing account.

Based on it is identical with note issuance the reasons why, issuing account to reclaim account initiate the first money transfer transactions be stored in area After in block chain, the current currency total amount in block chain be changed into former monetary aggregates and currency reclaim the amount of money difference, i.e., in block chain Current currency total amount reduce.

Or, under the application scenarios transferred accounts between a kind of domestic consumer, the first account in step 101 is used for first First joint account at family, the second account is the second joint account of second user, corresponding one or more destiny accounts Including first joint account, the second institution account of corresponding second financial institution of first joint account and finance prison The supervision account of pipe mechanism；

Corresponding, step 101 can include：The first node is initiated by this by the first joint account in the block chain It is first joint comprising this in the first money transfer transactions that first joint account is transferred accounts to second joint account, first money transfer transactions The digital signature of the address of account, the address of second joint account, transfer amounts, and first joint account, this second The digital signature of the digital signature of institution account and the supervision account.

Joint account is the account that user, financial institution and financial regulator set up jointly, can be seen as The account that user opens in financial institution (bank), the account by financial institution and financial regulator common supervision, Financial institution and financial regulator participate in transferring accounts each time for the joint account, and its mode participated in is that the joint account is sent out The money transfer transactions risen are digitally signed.

Or, under a kind of application scenarios of currency conversion, the first account in step 101 is the first of the first user Name account, the second account is currency conversion account, corresponding one or more destiny accounts include the first joint account, this The second institution account and the supervision account of corresponding second financial institution of one joint account；

Corresponding, step 101 can include：First node is initiated by first by the first joint account in block chain The first money transfer transactions from name account to currency conversion account transfer, the address comprising the first joint account in the first money transfer transactions, The address of currency conversion account, redemption amount, the target currency for needing exchange, the letter of the outer account of the corresponding chain of the first joint account Breath, and the digital signature of the first joint account, the digital signature of the second institution account and the digital signature for supervising account.

Wherein, above-mentioned currency conversion refers to that outer currency is (i.e. true from the currency (such as bit coin) in block chain to block chain Real currency, such as RMB, dollar etc.) exchange, currency conversion account can be considered as a kind of special recovery account.Accordingly , as shown in figure 3, after step 103, this method can also include：

Step 104, the corresponding Section Point of currency conversion account is according to the exchange rate between current currency and target currency, really It is fixed that current currency is exchanged into the target amount of money after target currency according to the redemption amount.

Step 105, according to target currency and the target amount of money, the account to outside the chain carries out delivery operation to Section Point.

Illustratively, under the application scenarios that a kind of user deposits, the first account in step 101 is the first of the first user Joint account, two account is the account of the intelligent contract for deposit, and corresponding one or more destiny accounts include the Second institution account of corresponding second financial institution of one joint account, the first joint account and the supervision account being somebody's turn to do.

Corresponding, step 101 can include：The first node is initiated by first by the first joint account in block chain Joint account into the first money transfer transactions of the account of intelligent contract first money transfer transactions the address comprising the first joint account, The address of intelligent contract, amount deposited, and the digital signature of the first joint account, the digital signature of the second institution account and The digital signature of the supervision account.

Example, the intelligent contract that can also be called in first money transfer transactions comprising current credit transaction needs Interface can be adjusted, it is necessary to specification is can to arrange one or more different function in an intelligent contract respectively Required function is realized with corresponding interface.For example, in the present embodiment, can be pre- in some interface of intelligent contract First appoint the 3rd institution account of the 3rd financial institution of deposit, deposit time, way of deposit, interest rate etc..When first When name account is needed to above-mentioned the 3rd institution account deposit, can be write exactly in the transaction of initiation will call this interface.

Accordingly, as shown in figure 4, after step 103, this method can also include：

Step 106, the specified node in block chain network is by performing intelligent contract come according to arranging in intelligent contract The amount of money for the account that first joint account is transferred to intelligent contract by the address of the 3rd institution account of the 3rd financial institution is transferred to Three institution accounts.

Example, after step 103, first money transfer transactions are written into block chain, due to first money transfer transactions Write-in block chain is broadcast in block chain network, therefore the specified node in block chain network can run this and intelligently close About, here by taking ether mill as an example, in ether mill, each node in block chain network can be by the data syn-chronization in block chain It is local in node, it can be understood as by the synchronous portion of total account book in block chain in the local of node oneself, so that when first turn After account transaction write-in block chain, these in block chain network specify node, can be called according to the first money transfer transactions Intelligent contract obtains the information such as the first joint account target account to be transferred to, i.e. the 3rd institution account, and amount deposited, so Each node carries out corresponding modification on locally synchronous account book afterwards can complete the first joint account being transferred to intelligent conjunction The amount of money of account about is transferred to the operation of the 3rd institution account.

The method that user withdraws the money is illustrated below, in one implementation, user receives gold when deposit expires Melt deposit and interest that mechanism is returned automatically by intelligent contract, as shown in figure 5, may comprise steps of：

Step 107, when the deposit that the first joint account is transferred to the 3rd institution account reaches the time limit of intelligent contract agreement, According to the storage time arranged in intelligent contract and deposited using the Section Point of the 3rd institution account by calling intelligent contract Store up interest rate and determine interest corresponding with the amount of money deposited.

, wherein it is desired to explanation, Section Point here and the Section Point in other application scene above can be with It is same node or different nodes, it is different nodes from first node that Section Point, which is only used for limiting it, here.

Step 108, Section Point is initiated from the 3rd institution account to intelligent conjunction by the 3rd institution account in block chain Address comprising the 3rd institution account, the address of intelligent contract in second money transfer transactions of account about, the second money transfer transactions, return The also amount of money, and the 3rd institution account digital signature.

Wherein, the amount of money and interest sum that the amount of money is equal to deposit are returned.

Step 109, when the specified node in block chain network determines that the digital signature of the second money transfer transactions includes the 3rd machine During the digital signature of structure account, determine that the second money transfer transactions pass through checking.

Step 110, when the second money transfer transactions are by verifying, miner's node in block chain network is by the second money transfer transactions It is stored in block chain.

Step 111, the specified node in block chain network is by performing intelligent contract come according to arranging in intelligent contract The return amount of money that 3rd institution account is transferred to the account of intelligent contract by the address of the first joint account is transferred to the first joint account.

Wherein, the method that the implementation method of step 111 is referred to the intelligent contract of execution described in step 106, no longer goes to live in the household of one's in-laws on getting married State.

Or, in one implementation, user drawn deposits before deposit expires, on one's own initiative from financial institution and Interest, as shown in fig. 6, may comprise steps of：

Step 112, first node is initiated through intelligent contract from the 3rd mechanism by the first joint account in block chain The 3rd money transfer transactions that account is withdrawn the money.

Step 113, the address comprising the first joint account, the address of intelligent contract, withdraw funds in the 3rd money transfer transactions, And first digital signature of joint account, the digital signature of the second institution account and the digital signature for supervising account.

Step 114, when the specified node in block chain network determines that the digital signature of the 3rd money transfer transactions includes first The name digital signature of account, the digital signature of the second institution account and when supervising the digital signature of account, determine that the 3rd transfers accounts friendship Easily pass through checking.

Step 115, when it is determined that the 3rd money transfer transactions are by verifying, miner's node in block chain network is transferred accounts the 3rd In transaction deposit block chain.

Step 116, Section Point is by calling intelligent contract come the deposit time according to the first joint account, and intelligence Interest rate is stored specified in contract and determines interest corresponding with withdraw funds.

Step 117, Section Point is initiated from the 3rd institution account to intelligent conjunction by the 3rd institution account in block chain Address comprising the 3rd institution account, the address of intelligent contract in 4th money transfer transactions of account about, the 4th money transfer transactions, return The also amount of money, and the 3rd institution account digital signature.

Wherein, return the amount of money and be equal to withdraw funds and interest sum.

Step 118, when the specified node in block chain network determines that the digital signature of the 4th money transfer transactions includes the 3rd machine During the digital signature of structure account, determine that the 4th money transfer transactions pass through checking；

Step 119, when it is determined that the 4th money transfer transactions are by verifying, miner's node in block chain network is transferred accounts the 4th In transaction deposit block chain；

Step 120, the specified node in block chain network is by performing intelligent contract come according to arranging in intelligent contract The return amount of money that 3rd institution account is transferred to the account of intelligent contract by the address of the first joint account is transferred to the first joint account.

Or, in a kind of user under the application scenarios of financial institution loan, the first account in step 101 is the 4th gold medal Melt the 4th institution account of mechanism, second account is the account of the intelligent contract for loan, and accordingly, this is one or more Destiny account includes the 4th institution account.

Corresponding, step 101 can include：First node is initiated by the 4th machine by the 4th institution account in block chain Structure account is to the first money transfer transactions of the account of intelligent contract, the address comprising the 4th institution account, intelligence in the first money transfer transactions The digital signature of the address of energy contract, the amount of money of offering loans, and the 4th institution account.

Accordingly, as shown in fig. 7, after step 103, this method can also include：

Step 121, the specified node in block chain network is by performing intelligent contract come according to arranging in intelligent contract The amount of money for the account that 4th institution account is transferred to intelligent contract by the address of the first joint account of the first user is transferred to first Name account.

Wherein, the method that the implementation method of step 121 is referred to the intelligent contract of execution described in step 106, no longer goes to live in the household of one's in-laws on getting married State.

Below to user refund method illustrate, user loan reach refund the date when, by intelligent contract to The financial institution of loan is refunded, as shown in fig. 7, may comprise steps of：

Step 122, when reaching the repayment time of intelligent contract agreement, the Section Point using the first joint account passes through Intelligent contract is called to determine this repaying amount of money come the amount of the loan and interest rate of the agreement in intelligent contract.

Wherein, user can will be used for the amount of money used in repaying and be stored in the first joint account that it is opened in advance, the second section Point can regularly call intelligent contract to judge whether to reach the repayment time, when reaching the repayment time, perform the step 122.It should be noted that Section Point and the Section Point in other application scene above here can be same section Point or different nodes, it is different nodes from first node that Section Point, which is only used for limiting it, here.

Step 123, Section Point is initiated from the first joint account to intelligent conjunction by the first joint account in block chain Address comprising the first joint account in second money transfer transactions of account about, the second money transfer transactions, the address of intelligent contract, also Monetary allowance volume, and the first joint account digital signature, the second mechanism account of corresponding second financial institution of the first joint account The digital signature of the digital signature at family and the supervision account.

Step 124, when the specified node in block chain network determines that the digital signature of the second money transfer transactions includes first During the digital signature of the name digital signature of account, the digital signature of the second institution account and the supervision account, second turn is determined Account transaction passes through checking.

Step 125, when it is determined that the second money transfer transactions are by verifying, miner's node in block chain network is transferred accounts second In transaction deposit block chain.

Step 126, the specified node in block chain network is by performing intelligent contract come according to arranging in intelligent contract The repaying amount of money that first joint account is transferred to the account of intelligent contract by the address of the 4th institution account is transferred to the 4th institution account.

Wherein, the method that the implementation method of step 126 is referred to the intelligent contract of execution described in step 106, no longer goes to live in the household of one's in-laws on getting married State.

Further, financial institution oneself may determine that whether user refunds according to the refund time of agreement, such as Fig. 8 institutes Show, this method can include：

Step 127, first node obtains the repayment time arranged in intelligent contract by calling intelligent contract.

Step 128, when the time difference for exceeding the repayment time in current time is more than default very first time threshold value, first Node notifies the overdue message do not refunded of the first joint account to the 3rd node using the second institution account.

Illustratively, notified to the 3rd node using the second institution account can be by the side that is notified outside chain for first node Formula, such as first node pass through the internet transmission overdue message do not refunded of the first joint account as the 3rd node.

Step 129, when the 3rd node receives the transaction initiated by the first joint account in block chain again, the Three nodes refusal is that the transaction that the first joint account is initiated in block chain is digitally signed using the second institution account.

Because the money transfer transactions of joint account need the digital signature that it combines financial institution when setting up, therefore when refusal When being digitally signed for some joint account, it is possible to which realization is freezed to this joint account.

In addition, it is noted that when the first joint account overdue time do not repaid be more than regular hour threshold value when, The fund of the secured account of first joint account can also be freezed or be withholdd.

Or, under a kind of scene being monitored to financial institution's Reserve Fund, the first account in the step 101 is goods The issuing account of coin, the second account is the 5th institution account of the 5th financial institution, corresponding one or more destiny accounts For issuing account.

It is then corresponding, as shown in figure 9, before step 101, this method can also include：

Step 130, first node obtains the current balance of the 5th institution account.

Example, can be by for setting the intelligent contract of Reserve Fund to be supervised come the remaining sum to each financial institution Control, first node is by calling the intelligent contract to obtain the remaining sum of each financial institution, or first node can pass through Total account book recorded in block chain calculates the remaining sum of each financial institution.

Step 131, first node is arranged by calling for setting the intelligent contract of Reserve Fund according in intelligent contract Reserve Fund rate calculate corresponding with the current balance primary bank reserves amount of money, and according to the Reserve Fund amount of money and the 5th institution account The second line reserve amount of money deposited in issuing account calculates reserve balance.

Wherein, Reserve Fund is multiplied by Reserve Fund rate equal to the remaining sum of financial institution, and reserve balance refers to that financial institution is current The amount that there is the account of issuing account (Central Bank) exceedes the amount of money of its amount that should be stored, that is, refers to financial institution Deposit many, it is necessary to be returned to financial institution according to its reserve balance in the Reserve Fund of issuing account.

Corresponding, step 101 can include：First node by issuing account initiated in block chain from issuing account to Address comprising issuing account, the 5th institution account in the first money transfer transactions that 5th institution account is transferred accounts, the first money transfer transactions Address, the digital signature of the amount of money of reserve balance and issuing account.

In addition, it is also possible to which financial institution is inadequate in the Reserve Fund that issuing account is deposited, now according to primary bank reserves What the amount of money and the second line reserve amount of money were calculated is exactly Reserve Fund difference, and now first node needs to notify financial institution according to standard Standby gold difference, which is mended, deposits Reserve Fund.Its advice method can be by the way of sending a notification message outside chain, and for example first node passes through Internet is sent to the Section Point using the 5th institution account to be needed to mend the message for depositing Reserve Fund, or can be by manually leading to Mode known, etc..It should be noted that Section Point here and the Section Point in other application scene above can be with It is same node or different nodes, it is different nodes from first node that Section Point, which is only used for limiting it, here.

In addition, it is noted that financial settlement/liquidation organization can play the part of the role of miner as miner's node, its Income can be embodied by digging transaction fee (Transaction Fee) specified in ore deposit reward or agreement.Because miner's node is The most basic assurance of block chain safety, therefore miner's node need to follow distribution, the principle of non-stop layer, it is to avoid by single institution Or group grasps most miner's nodes or calculates power.

In summary, a kind of administrative mechanism of the digital cash based on block chain is described method provided, be can solve the problem that existing The problem of can not supporting other administration authorities in addition to currency conversion in some block chain technologies, can realize in block chain network Currency a variety of authorities management.

Figure 10 is a kind of structure chart of the currency managing system based on block chain exemplified according to an implementation, referring to figure 10, the system can include：Block chain network and block chain, block chain network include first node 1, specify node 2 (to specify Node 2 can be each node in block chain or a part of node for specifying) and miner's node 3, wherein：

Being initiated by the first account in block chain from the first account to the second account transferring money in block chain network 1 The first money transfer transactions, the first money transfer transactions include pre-set one to the first money transfer transactions with currency management authority Or the digital signature of multiple destiny accounts；The distribution authority of currency management authority including currency, supervise authority, in authority of transferring accounts At least one；

Specified node 2 in block chain network is used for when the digital signature for determining money transfer transactions includes one or more fingers When determining the digital signature of account, determine that the first money transfer transactions pass through checking；

Miner's node 3 in block chain network is used for, and when the first money transfer transactions are by verifying, the first money transfer transactions are deposited Enter in block chain.

Illustratively, under a kind of application scenarios of note issuance, the first account is the issuing account of currency, and the second account is First institution account of the first financial institution, one or more destiny accounts are issuing account and supervision account；

First node 1 is used for：Initiate to be transferred accounts from issuing account to the first institution account in block chain by issuing account The first money transfer transactions, the address comprising issuing account, the address of the first institution account, note issuance gold in the first money transfer transactions The digital signature of volume and issuing account and the digital signature of supervision account.

Or, under the application scenarios that a kind of currency is reclaimed, the first account is the issuing account of currency, and the second account is goods The recovery account of coin, one or more destiny accounts are issuing account and supervision account；

First node 1 is used for：Initiated by issuing account in block chain from issuing account to reclaiming the of account transfer The address comprising issuing account, the address for reclaiming account, currency reclaim the amount of money and hair in one money transfer transactions, the first money transfer transactions The digital signature of row account and the digital signature of supervision account.

Wherein, after in the first money transfer transactions deposit block chain, it is total that the current currency total amount in block chain is changed into former currency Amount and currency reclaim the amount of money difference, goods in block chain before its Central Plains monetary aggregates is the first money transfer transactions deposit block chain Coin total amount.

Or, under the application scenarios transferred accounts between a kind of domestic consumer, the first account is the first of the first user Name account, the second account be second user the second joint account, one or more destiny accounts include the first joint account, The second institution account and supervision account of corresponding second financial institution of first joint account；

First node 1 is used for：First node by the first joint account initiated in block chain from the first joint account to It is address comprising the first joint account in the first money transfer transactions that second joint account is transferred accounts, the first money transfer transactions, second joint The address of account, transfer amounts, and the digital signature of the first joint account, the digital signature of the second institution account and supervision The digital signature of account.

Or, under a kind of application scenarios of currency conversion, the first account is the first joint account of the first user, second Account is currency conversion account, and one or more destiny accounts include the first joint account, the first joint account corresponding the Second institution account of two financial institutions and the supervision account；

First node 1 is used for：Initiated by the first joint account in block chain from the first joint account to currency conversion Address, the ground of currency conversion account of the first joint account are included in first money transfer transactions of account transfer, the first money transfer transactions Location, redemption amount, need the information of the outer account of target currency, the corresponding chain of the first joint account exchanged, and first joint The digital signature of account, the digital signature of the second institution account and the digital signature for supervising account.

Optionally, system also includes：The corresponding Section Point 4 of currency conversion account；It should be noted that here second Node and the Section Point in other application scene above can be same node or different nodes, here It is different nodes from first node that two nodes, which are only used for limiting it,.

Section Point 4 is used for according to the exchange rate between current currency and target currency, it is determined that by current currency according to exchange The amount of money is exchanged into the target amount of money after target currency；

Section Point 4 is additionally operable to the account progress delivery operation to outside chain according to target currency and the target amount of money.

Illustratively, under the application scenarios that a kind of user deposits, the intelligent contract being stored with block chain for deposit, the One account is the first joint account of the first user, and the second account is the account of intelligent contract, one or more destiny accounts Including the first joint account, the second institution account of corresponding second financial institution of the first joint account and the supervision account；

First node 1 is used for：Account from from the first account to intelligent contract is initiated in block chain by the first account Address comprising the first joint account, the address of intelligent contract, amount deposited in first money transfer transactions, the first money transfer transactions, with And first digital signature of joint account, the digital signature of the second institution account and the digital signature for supervising account.

Optionally, the specified node 3 in block chain network is additionally operable to by performing intelligent contract come according in intelligent contract First joint account is transferred to the amount of money of the account of intelligent contract by the address of the 3rd institution account of the 3rd financial institution of agreement It is transferred to the 3rd institution account.

Optionally, system also includes：Use the Section Point 5 of the 3rd institution account；It should be noted that here second Node and the Section Point in other application scene above can be same node or different nodes, here It is different nodes from first node that two nodes, which are only used for limiting it,.

Section Point 5 is used for when the deposit that the first joint account is transferred to the 3rd institution account reaches the phase of intelligent contract agreement In limited time, the amount of money with deposit is determined according to the storage time and storage interest rate arranged in intelligent contract by calling intelligent contract Corresponding interest；

Section Point 5 is additionally operable to initiate in block chain from the 3rd institution account to intelligent contract by the 3rd institution account Account the second money transfer transactions, the address comprising the 3rd institution account, the address of intelligent contract in the second money transfer transactions, return The amount of money, and the 3rd institution account digital signature；Wherein, the amount of money and interest sum that the amount of money is equal to deposit are returned；

Specified node in block chain network is additionally operable to when the digital signature for determining the second money transfer transactions includes the 3rd mechanism During the digital signature of account, determine that the second money transfer transactions pass through checking；

Miner's node in block chain network is additionally operable to, when the second money transfer transactions are by verifying, the second money transfer transactions be deposited Enter in block chain；

Specified node in block chain network is additionally operable to by performing intelligent contract come according to the arranged in intelligent contract The return amount of money that 3rd institution account is transferred to the account of intelligent contract by the address of one joint account is transferred to the first joint account.

Optionally, first node 1 is additionally operable to：Intelligent contract is initiated through from block chain by the first joint account The 3rd money transfer transactions that three institution accounts are withdrawn the money, the address comprising the first joint account in the 3rd money transfer transactions, intelligent contract Address, withdraw funds, and the digital signature of the first joint account, the digital signature of the second institution account and supervision account Digital signature；

Specified node 2 in block chain network is additionally operable to when the digital signature for determining the 3rd money transfer transactions is joint comprising first During the digital signature of the digital signature of account, the digital signature of the second institution account and supervision account, the 3rd money transfer transactions are determined Pass through checking；

Miner's node 3 in block chain network is additionally operable to that when it is determined that the 3rd money transfer transactions are by verifying, the 3rd is transferred accounts In transaction deposit block chain；

Section Point 5 is additionally operable to by calling intelligent contract come the deposit time according to the first joint account, and intelligence Interest rate is stored specified in contract and determines interest corresponding with withdraw funds；

Section Point 5 is additionally operable to initiate in block chain from the 3rd institution account to intelligent contract by the 3rd institution account Account the 4th money transfer transactions, the address comprising the 3rd institution account, the address of intelligent contract in the 4th money transfer transactions, return The amount of money, and the 3rd institution account digital signature；Wherein, return the amount of money and be equal to withdraw funds and interest sum；

Specified node 2 in block chain network is additionally operable to when the digital signature for determining the 4th money transfer transactions includes the 3rd mechanism During the digital signature of account, determine that the 4th money transfer transactions pass through checking；

Miner's node 3 in block chain network is additionally operable to that when it is determined that the 4th money transfer transactions are by verifying, the 4th is transferred accounts In transaction deposit block chain；

Specified node 2 in block chain network is additionally operable to by performing intelligent contract come according to the arranged in intelligent contract The return amount of money that 3rd institution account is transferred to the account of intelligent contract by the address of one joint account is transferred to the first joint account.

Or, in a kind of user under the application scenarios of financial institution loan, the first account is the of the 4th financial institution Four institution accounts, the second account is the account of the intelligent contract for loan, and one or more destiny accounts include the 4th machine Structure account；

First node 1 is used for：First node by the 4th institution account initiated in block chain from the 4th institution account to Address comprising the 4th institution account in first money transfer transactions of the account of intelligent contract, the first money transfer transactions, intelligent contract The digital signature of address, the amount of money of offering loans, and the 4th institution account.

Optionally, the specified node 2 in block chain network is additionally operable to by performing intelligent contract come according in intelligent contract The amount of money for the account that 4th institution account is transferred to intelligent contract by the address of the first joint account of the first user of agreement is transferred to First joint account.

Optionally, system also includes：Use the Section Point 6 of the first joint account；It should be noted that here second Node and the Section Point in other application scene above can be same node or different nodes, here It is different nodes from first node that two nodes, which are only used for limiting it,.

Section Point 6 is used for when reaching the repayment time of intelligent contract agreement, by calling intelligent contract come according to intelligence The amount of the loan and interest rate of agreement in energy contract determine this repaying amount of money；

Section Point 6 is additionally operable to initiate in block chain from the first joint account to intelligent contract by the first joint account Account the second money transfer transactions, the address comprising the first joint account, the address of intelligent contract in the second money transfer transactions, repay The amount of money, and the first joint account digital signature, the second institution account of corresponding second financial institution of the first joint account Digital signature and the supervision account digital signature；

Specified node 2 in block chain network is additionally operable to when the digital signature for determining the second money transfer transactions is joint comprising first During the digital signature of the digital signature of account, the digital signature of the second institution account and the supervision account, determine that second transfers accounts Transaction passes through checking；

Miner's node 3 in block chain network is additionally operable to that when it is determined that the second money transfer transactions are by verifying, second is transferred accounts In transaction deposit block chain；

Specified node 2 in block chain network is additionally operable to by performing intelligent contract come according to the arranged in intelligent contract The repaying amount of money that first joint account is transferred to the account of intelligent contract by the address of four institution accounts is transferred to the 4th institution account.

Optionally, system also includes：Use the 3rd node 7 of the second institution account；

First node 1 is additionally operable to obtain the repayment time arranged in intelligent contract by calling intelligent contract；

When the time difference for exceeding the repayment time in current time is more than default very first time threshold value, first node is to the Three nodes 7 notify the overdue message do not refunded of the first joint account；

3rd node 7 is used for when receiving the transaction initiated by the first joint account in block chain again, and the 3rd Node refusal is that the transaction that the first joint account is initiated in block chain is digitally signed using the second institution account.

Or, under a kind of scene being monitored to financial institution's Reserve Fund, the first account is the issuing account of currency, Second account is the 5th institution account of the 5th financial institution, and one or more destiny accounts are issuing account；

First turn from the first account to the second account transfer is initiated in block chain by the first account in first node 1 Before account transaction, first node is additionally operable to obtain the current balance of the 5th institution account；

First node 1 is additionally operable to by calling for setting the intelligent contract of Reserve Fund come according to arranging in intelligent contract Reserve Fund rate calculates the primary bank reserves amount of money corresponding with current balance, and is existed according to the Reserve Fund amount of money and the 5th institution account The second line reserve amount of money of issuing account storage calculates reserve balance；

First node 1 is additionally operable to：Initiate to be turned from issuing account to the 5th institution account in block chain by issuing account More than the address, the address of the 5th institution account, Reserve Fund that issuing account is included in first money transfer transactions of account, the first money transfer transactions The amount of money of volume and the digital signature of issuing account.

Wherein, in the present embodiment Section Point (4,5 or 6) and the 3rd node 7 illustrate not in figure, the Section Point (4,5 or 6) and the 3rd node 7 are probably other arbitrary nodes in addition to first node in above-mentioned block chain network.

In summary, said system provides a kind of administrative mechanism of the digital cash based on block chain, can solve the problem that existing The problem of can not supporting other administration authorities in addition to currency conversion in some block chain technologies, can realize in block chain network Currency a variety of authorities management.

Figure 11 is a kind of block diagram for currency management device based on block chain that the embodiment of the disclosure one is provided, the device 1100 can be terminal device, can be above-mentioned based on block for performing as the arbitrary node in above-mentioned block chain network The money management method of chain, as shown in figure 11, the device 1100 can include：Processor 1101, memory 1102, multimedia group Part 1103, input/output (I/O) interface 1104, and communication component 1105.

Wherein, processor 1101 is used to control the integrated operation of the device 1100, above-mentioned based on block chain to complete The all or part of step of money management method.Memory 1102 is used to store various types of data to support in the device 1100 operation, is used for can for example the including of these data any application program for being operated on the device 1100 or method Instruction, and the related data of application program, such as contact data, the message of transmitting-receiving, picture, audio, video etc..This is deposited Reservoir 1102 can be realized by any kind of volatibility or non-volatile memories terminal device or combinations thereof, such as quiet State random access memory (Static Random Access Memory, abbreviation SRAM), the read-only storage of electrically erasable Device (Electrically Erasable Programmable Read-Only Memory, abbreviation EEPROM), it is erasable to compile Journey read-only storage (Erasable Programmable Read-Only Memory, abbreviation EPROM), may be programmed read-only storage Device (Programmable Read-Only Memory, abbreviation PROM), and read-only storage (Read-Only Memory, referred to as ROM), magnetic memory, flash memory, disk or CD.Multimedia groupware 1103 can include screen and audio-frequency assembly.Wherein Screen for example can be touch-screen, and audio-frequency assembly is used to export and/or input audio signal.For example, audio-frequency assembly can include One microphone, microphone is used to receive external audio signal.The audio signal received can be further stored in storage Device 1102 is sent by communication component 1105.Audio-frequency assembly also includes at least one loudspeaker, for exports audio signal.I/ O Interface 1104 is provides interface between processor 1101 and other interface modules, other above-mentioned interface modules can be keyboard, mouse Mark, button etc..These buttons can be virtual push button or entity button.Communication component 1105 is used for the device 1100 and other Wired or wireless communication is carried out between terminal device.Radio communication, such as Wi-Fi, bluetooth, near-field communication (Near Field Communication, abbreviation NFC), 2G, 3G or 4G, or one or more of combinations in them, therefore the corresponding communication Component 1105 can include：Wi-Fi module, bluetooth module, NFC module.

In one exemplary embodiment, device 1100 can be by one or more application specific integrated circuits (Application Specific Integrated Circuit, abbreviation ASIC), digital signal processor (Digital Signal Processor, abbreviation DSP), Digital Signal Processing terminal device (Digital Signal Processing Device, abbreviation DSPD), PLD (Programmable Logic Device, abbreviation PLD), field-programmable Gate array (Field Programmable Gate Array, abbreviation FPGA), controller, microcontroller, microprocessor or other Electronic component is realized, for performing the above-mentioned money management method based on block chain.

In a further exemplary embodiment, a kind of non-transitory computer-readable storage medium including instructing is additionally provided Matter, such as the memory 1102 including instruction, above-mentioned instruction can be performed above-mentioned to complete by the processor 1101 of device 1100 Money management method based on block chain.Illustratively, the non-transitorycomputer readable storage medium can be ROM, deposit at random Access to memory (Random Access Memory, abbreviation RAM), CD-ROM, tape, floppy disk and optical data storage terminal device Deng.

Figure 12 is the block diagram for another money management method device based on block chain that the embodiment of the disclosure one is provided, should Device 1200 can be a server, can be as the arbitrary node in above-mentioned block chain network, the above-mentioned base for performing In the money management method of block chain, by some server groups into server cluster, or can be a cloud computing clothes Business center.Reference picture 12, device 1200 includes processor 1201, memory 1202, I/O interfaces 1203 and network interface 1204, wherein the memory 1202 can be used for storage can by the execution of processor 1201 instruction, processor 1202 can hold These instructions of row, to perform the above-mentioned money management method based on block chain.It is based on depositing in addition, the device 1200 can be operated The operating system stored up in memory 1202 is carried out, and the operating system includes but is not limited to Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..

The preferred embodiment of the disclosure is described in detail above in association with accompanying drawing, still, the disclosure is not limited to above-mentioned reality The detail in mode is applied, in the range of the technology design of the disclosure, a variety of letters can be carried out with technical scheme of this disclosure Monotropic type, these simple variants belong to the protection domain of the disclosure.

It is further to note that each particular technique feature described in above-mentioned embodiment, in not lance In the case of shield, can be combined by any suitable means, in order to avoid unnecessary repetition, the disclosure to it is various can The combination of energy no longer separately illustrates.

In addition, can also be combined between a variety of embodiments of the disclosure, as long as it is without prejudice to originally Disclosed thought, it should equally be considered as disclosure disclosure of that.

Claims

1. a kind of money management method based on block chain, it is characterised in that methods described includes：

First node is initiated from first account to the first of the second account transferring money by the first account in block chain Money transfer transactions, first money transfer transactions have the one of currency management authority comprising what is pre-set to first money transfer transactions The digital signature of individual or multiple destiny accounts；The currency management authority includes the distribution authority of currency, supervision authority, the power of transferring accounts At least one of limit；

When the specified node in block chain network determines the digital signature of first money transfer transactions comprising one or more of During the digital signature of destiny account, determine that first money transfer transactions pass through checking；

When first money transfer transactions are by verifying, miner's node in the block chain network is by first money transfer transactions It is stored in the block chain.

2. according to the method described in claim 1, it is characterised in that first account is the issuing account of currency, described the Two accounts are the first institution account of the first financial institution, and one or more of destiny accounts are the issuing account and supervision Account；

The first node is initiated from first account to the first of the second account transfer by the first account in block chain Money transfer transactions, including：

The first node is initiated from the issuing account to first machine by the issuing account in the block chain Address comprising the issuing account, first machine in first money transfer transactions of structure account transfer, first money transfer transactions The digital signature of the address of structure account, the digital signature of the note issuance amount of money and the issuing account and the supervision account；

Wherein, after first money transfer transactions are stored in the block chain, the current currency total amount in the block chain is changed into Former monetary aggregates and the summation of the note issuance amount of money, wherein the former monetary aggregates are stored in institute for first money transfer transactions State the monetary aggregates in block chain foregoing description block chain.

3. according to the method described in claim 1, it is characterised in that first account is the issuing account of currency, described the Two accounts are the recovery account of currency, and one or more of destiny accounts are the issuing account and supervision account；

The first node is initiated from the issuing account to the recovery account by the issuing account in the block chain The address of the issuing account, the recovery account are included in the first money transfer transactions that family is transferred accounts, first money transfer transactions The digital signature and the digital signature of the supervision account of the amount of money and the issuing account are reclaimed in address, currency；

Wherein, after first money transfer transactions are stored in the block chain, the current currency total amount in the block chain is changed into Former monetary aggregates and the currency reclaim the amount of money difference, wherein the former monetary aggregates are first money transfer transactions deposit institute State the monetary aggregates in block chain foregoing description block chain.

4. according to the method described in claim 1, it is characterised in that first account is the first joint account of the first user Family, second account is the second joint account of second user, and one or more of destiny accounts include described first Name account, the second institution account of corresponding second financial institution of first joint account and supervision account；

The first node is initiated from first joint account to institute by first joint account in the block chain State the ground for including first joint account in the first money transfer transactions that the second joint account is transferred accounts, first money transfer transactions The digital signature of location, the address of second joint account, transfer amounts, and first joint account, second machine The digital signature of the digital signature of structure account and the supervision account.

5. according to the method described in claim 1, it is characterised in that first account is the first joint account of the first user Family, second account is currency conversion account, and one or more of destiny accounts include first joint account, described The second institution account and supervision account of corresponding second financial institution of first joint account；

The first node is initiated from first joint account to institute by first joint account in the block chain State the ground for including first joint account in the first money transfer transactions of currency conversion account transfer, first money transfer transactions Location, the address of the currency conversion account, redemption amount, the target currency for needing exchange, first joint account are corresponding The information of the outer account of chain, and first joint account digital signature, the digital signature of second institution account and institute State the digital signature of supervision account.

6. method according to claim 5, it is characterised in that methods described also includes：

The corresponding Section Point of the currency conversion account is according to the exchange rate between current currency and the target currency, it is determined that will The current currency is exchanged into the target amount of money after the target currency according to the redemption amount；

According to the target currency and the target amount of money, the account to outside the chain carries out delivery operation to the Section Point.

7. according to the method described in claim 1, it is characterised in that first account is the first joint account of the first user Family, second account is the account of the intelligent contract for deposit, and one or more of destiny accounts include described first Joint account, the second institution account of corresponding second financial institution of first joint account and supervision account；

The first node is initiated from first joint account to the intelligence by first joint account in block chain Can contract account the first money transfer transactions, it is the address comprising first joint account in first money transfer transactions, described The address of intelligent contract, amount deposited, and first joint account digital signature, the numeral of second institution account The digital signature of signature and the supervision account.

8. method according to claim 7, it is characterised in that methods described also includes：

Specified node in the block chain network is by performing the intelligent contract come according to arranging in the intelligent contract First joint account is transferred to the gold of the account of the intelligent contract by the address of the 3rd institution account of the 3rd financial institution Volume is transferred to the 3rd institution account.

9. method according to claim 8, it is characterised in that methods described also includes：

When the deposit that first joint account is transferred to the 3rd institution account reaches the time limit of the intelligent contract agreement, Using the Section Point of the 3rd institution account by calling the intelligent contract come according to arranging in the intelligent contract Storage time and storage interest rate determine interest corresponding with the amount of money of the deposit；

The Section Point is initiated from the 3rd institution account to the intelligence by the 3rd institution account in block chain Can contract account the second money transfer transactions, it is the address comprising the 3rd institution account in second money transfer transactions, described The digital signature of the address of intelligent contract, the return amount of money, and the 3rd institution account；Wherein, the return amount of money is equal to The amount of money of the deposit and the interest sum；

When the specified node in the block chain network determines that the digital signature of second money transfer transactions includes the 3rd machine During the digital signature of structure account, determine that second money transfer transactions pass through checking；

When second money transfer transactions are by verifying, miner's node in the block chain network is by second money transfer transactions It is stored in the block chain；

Specified node in the block chain network is by performing the intelligent contract come according to arranging in the intelligent contract 3rd institution account is transferred to the return amount of money of the account of the intelligent contract by the address of first joint account It is transferred to first joint account.

10. method according to claim 9, it is characterised in that methods described also includes：

The first node is initiated through the intelligent contract from the described 3rd by first joint account in block chain The 3rd money transfer transactions that institution account is withdrawn the money；

Address comprising first joint account, the address of the intelligent contract, withdraw funds in 3rd money transfer transactions, And digital signature, the digital signature of second institution account and the number for supervising account of first joint account Word is signed；

When the specified node in the block chain network determines that the digital signature of the 3rd money transfer transactions includes described first During the digital signature of the name digital signature of account, the digital signature of second institution account and the supervision account, institute is determined State the 3rd money transfer transactions and pass through checking；

When it is described determine the 3rd money transfer transactions by verifying when, miner's node in the block chain network is by the described 3rd Money transfer transactions are stored in the block chain；

The Section Point is by calling the intelligent contract come the deposit time according to the first joint account, and the intelligence Interest rate is stored specified in contract and determines interest corresponding with the withdraw funds；

The Section Point is initiated from the 3rd institution account to the intelligence by the 3rd institution account in block chain Can contract account the 4th money transfer transactions, it is the address comprising the 3rd institution account in the 4th money transfer transactions, described The digital signature of the address of intelligent contract, the return amount of money, and the 3rd institution account；Wherein, the return amount of money is equal to The withdraw funds and the interest sum；

When the specified node in the block chain network determines that the digital signature of the 4th money transfer transactions includes the 3rd machine During the digital signature of structure account, determine that the 4th money transfer transactions pass through checking；

When it is determined that the 4th money transfer transactions are by verifying, miner's node in the block chain network is transferred accounts the described 4th In the transaction deposit block chain；

11. according to the method described in claim 1, it is characterised in that first account is the 4th machine of the 4th financial institution Structure account, second account is the account of the intelligent contract for loan, and one or more of destiny accounts include the 4th Institution account；

The first node is initiated from the 4th institution account to the intelligence by the 4th institution account in block chain Can contract account the first money transfer transactions, it is the address comprising the 4th institution account in first money transfer transactions, described The address of intelligent contract, the amount of money of offering loans, and the 4th institution account digital signature.

12. method according to claim 11, it is characterised in that methods described also includes：

Specified node in the block chain network is by performing the intelligent contract come according to arranging in the intelligent contract The amount of money that 4th institution account is transferred to the account of the intelligent contract by the address of the first joint account of the first user turns Enter first joint account.

13. method according to claim 12, it is characterised in that methods described also includes：

When reaching the repayment time of the intelligent contract agreement, using the Section Point of first joint account by calling The intelligent contract determines this repaying amount of money come the amount of the loan and interest rate of the agreement in the intelligent contract；

The Section Point is initiated from first joint account to the intelligence by first joint account in block chain Can contract account the second money transfer transactions, it is the address comprising first joint account in second money transfer transactions, described The address of intelligent contract, the repaying amount of money, and the digital signature of first joint account, first joint account are corresponding The digital signature of second institution account of the second financial institution and the digital signature for supervising account；

When the specified node in the block chain network determines that the digital signature of second money transfer transactions includes described first During the digital signature of the name digital signature of account, the digital signature of second institution account and the supervision account, it is determined that Second money transfer transactions pass through checking；

When it is determined that second money transfer transactions are by verifying, miner's node in the block chain network is transferred accounts described second In the transaction deposit block chain；

Specified node in the block chain network is by performing the intelligent contract come according to arranging in the intelligent contract First joint account is transferred to the repaying amount of money of the account of the intelligent contract by the address of the 4th institution account It is transferred to the 4th institution account.

14. the method according to claim 12 or 13, it is characterised in that methods described also includes：

The first node obtains the repayment time arranged in the intelligent contract by calling the intelligent contract；

When the time difference for exceeding the repayment time in current time is more than default very first time threshold value, the first node The overdue message do not refunded of first joint account is notified to the 3rd node using second institution account；

When the 3rd node receives the transaction initiated by first joint account in block chain again, described Three nodes refusal is that the transaction that first joint account is initiated in block chain carries out numeral using second institution account Signature.

15. according to the method described in claim 1, it is characterised in that methods described also includes：First account is currency Issuing account, second account is the 5th institution account of the 5th financial institution, and one or more of destiny accounts are institute State issuing account；

From first account to the second account transfer is initiated in block chain by the first account in the first node Before one money transfer transactions, methods described also includes：

The first node obtains the current balance of the 5th institution account；

The first node is by calling for setting the intelligent contract of Reserve Fund come according to the standard arranged in the intelligent contract Standby gold rate calculates the primary bank reserves amount of money corresponding with the current balance, and according to the Reserve Fund amount of money and the described 5th Institution account calculates reserve balance in the second line reserve amount of money that the issuing account is deposited；

The first node is initiated from the issuing account to the 5th machine by the issuing account in the block chain Address comprising the issuing account, the 5th machine in first money transfer transactions of structure account transfer, first money transfer transactions The digital signature of the address of structure account, the amount of money of reserve balance and the issuing account.

16. a kind of currency managing system based on block chain, it is characterised in that the system includes：Block chain network and block Chain, the block chain network includes first node, specifies node and miner's node, wherein：

Being initiated by the first account in block chain in the block chain network is shifted from first account to the second account First money transfer transactions of currency, first money transfer transactions have currency pipe comprising what is pre-set to first money transfer transactions Manage the digital signature of one or more destiny accounts of authority；The currency management authority includes the distribution authority of currency, supervision Authority, at least one of authority of transferring accounts；

Specified node in the block chain network be used for when determine the digital signature of the money transfer transactions comprising one or During the digital signature of multiple destiny accounts, determine that first money transfer transactions pass through checking；

Miner's node in the block chain network is used for, when first money transfer transactions are by verifying, by described first turn In the account transaction deposit block chain.

17. system according to claim 16, it is characterised in that first account is the issuing account of currency, described Second account is the first institution account of the first financial institution, and one or more of destiny accounts are the issuing account and prison Pipe account；

The first node is used for：Initiated by the issuing account in the block chain from the issuing account to described Address comprising the issuing account, described the in the first money transfer transactions that one institution account is transferred accounts, first money transfer transactions Address, the digital signature of the note issuance amount of money and the issuing account and the digital of the supervision account of one institution account are signed Name；

18. system according to claim 17, it is characterised in that first account is the issuing account of currency, described Second account is the recovery account of currency, and one or more of destiny accounts are the issuing account and supervision account；

The first node is used for：Initiated by the issuing account in the block chain from the issuing account to described time Receive the address comprising the issuing account, the recovery account in the first money transfer transactions of account transfer, first money transfer transactions The digital signature and the digital signature of the supervision account of the amount of money and the issuing account are reclaimed in the address at family, currency；

19. system according to claim 17, it is characterised in that first account is the first joint account of the first user Family, second account is the second joint account of second user, and one or more of destiny accounts include described first Name account, the second institution account of corresponding second financial institution of first joint account and supervision account；

The first node is used for：The first node is initiated by described by first joint account in the block chain Described the is included in the first money transfer transactions that first joint account is transferred accounts to second joint account, first money transfer transactions The numeral label of the address of one joint account, the address of second joint account, transfer amounts, and first joint account The digital signature of name, the digital signature of second institution account and the supervision account.

20. system according to claim 17, it is characterised in that first account is the first joint account of the first user Family, second account is currency conversion account, and one or more of destiny accounts include first joint account, described The second institution account and supervision account of corresponding second financial institution of first joint account；

The first node is used for：Initiated by first joint account in the block chain by first joint account To the first money transfer transactions of the currency conversion account transfer, first joint account is included in first money transfer transactions Address, the address of the currency conversion account, redemption amount, the target currency for needing exchange, first joint account correspondence The outer account of chain information, and the digital signature of first joint account, the digital signature of second institution account and The digital signature of the supervision account.

21. system according to claim 20, it is characterised in that the system also includes：The currency conversion account pair The Section Point answered；

The Section Point is used for according to the exchange rate between current currency and the target currency, it is determined that the current currency is pressed The target amount of money after the target currency is exchanged into according to the redemption amount；

The Section Point be additionally operable to according to the target currency and the target amount of money to outside the chain account carry out payment behaviour Make.

22. system according to claim 16, it is characterised in that the intelligence conjunction being stored with the block chain for deposit About, first account is the first joint account of the first user, and second account is the account of the intelligent contract, described One or more destiny accounts include first joint account, the of corresponding second financial institution of first joint account Two institution accounts and supervision account；

The first node is used for：Initiated by the first account in block chain from first account to the intelligent contract Address comprising first joint account, the intelligent contract in first money transfer transactions of account, first money transfer transactions Address, amount deposited, and the digital signature of first joint account, the digital signature of second institution account and The digital signature of the supervision account.

23. system according to claim 22, it is characterised in that

Specified node in the block chain network is additionally operable to by performing the intelligent contract come according in the intelligent contract First joint account is transferred to the account of the intelligent contract by the address of the 3rd institution account of the 3rd financial institution of agreement The amount of money at family is transferred to the 3rd institution account.

24. system according to claim 23, it is characterised in that the system also includes：Use the 3rd mechanism account The Section Point at family；

The Section Point is used for when the deposit that first joint account is transferred to the 3rd institution account reaches the intelligence During the time limit of contract agreement, by calling the intelligent contract come according to the storage time and storage arranged in the intelligent contract Interest rate determines interest corresponding with the amount of money of the deposit；

The Section Point be additionally operable to by the 3rd institution account initiated in block chain from the 3rd institution account to The ground of the 3rd institution account is included in second money transfer transactions of the account of the intelligent contract, second money transfer transactions The digital signature of location, the address of the intelligent contract, the return amount of money, and the 3rd institution account；Wherein, it is described to return gold Volume is equal to the amount of money and the interest sum of the deposit；

Specified node in the block chain network is additionally operable to the digital signature when determination second money transfer transactions comprising described During the digital signature of the 3rd institution account, determine that second money transfer transactions pass through checking；

Miner's node in the block chain network is additionally operable to when second money transfer transactions are by verifying, by described second turn In the account transaction deposit block chain；

Specified node in the block chain network is additionally operable to by performing the intelligent contract come according in the intelligent contract 3rd institution account is transferred to described in the account of the intelligent contract by the address of first joint account of agreement to be returned Also the amount of money is transferred to first joint account.

25. system according to claim 24, it is characterised in that

The first node is additionally operable to be initiated through the intelligent contract in block chain from institute by first joint account State the ground for including first joint account in the 3rd money transfer transactions of the 3rd institution account withdrawal, the 3rd money transfer transactions Digital signature, second mechanism account of location, the address of the intelligent contract, withdraw funds, and first joint account The digital signature of the digital signature at family and the supervision account；

Specified node in the block chain network is additionally operable to the digital signature when determination the 3rd money transfer transactions comprising described During the digital signature of the digital signature of the first joint account, the digital signature of second institution account and the supervision account, Determine that the 3rd money transfer transactions pass through checking；

Miner's node in the block chain network is additionally operable to when determination the 3rd money transfer transactions are by verifying, by institute The 3rd money transfer transactions are stated to be stored in the block chain；

The Section Point is additionally operable to by calling the intelligent contract come the deposit time according to the first joint account, Yi Jisuo State and interest rate determination interest corresponding with the withdraw funds is stored specified in intelligent contract；

The Section Point be additionally operable to by the 3rd institution account initiated in block chain from the 3rd institution account to The ground of the 3rd institution account is included in 4th money transfer transactions of the account of the intelligent contract, the 4th money transfer transactions The digital signature of location, the address of the intelligent contract, the return amount of money, and the 3rd institution account；Wherein, it is described to return gold Volume is equal to the withdraw funds and the interest sum；

Specified node in the block chain network is additionally operable to the digital signature when determination the 4th money transfer transactions comprising described During the digital signature of the 3rd institution account, determine that the 4th money transfer transactions pass through checking；

Miner's node in the block chain network is additionally operable to when it is determined that the 4th money transfer transactions are by verifying, by described Four money transfer transactions are stored in the block chain；

26. system according to claim 16, it is characterised in that first account is the 4th machine of the 4th financial institution Structure account, second account is the account of the intelligent contract for loan, and one or more of destiny accounts include the 4th Institution account；

The first node is used for：The first node is initiated by the described 4th by the 4th institution account in block chain Institution account includes the 4th mechanism in first money transfer transactions to the first money transfer transactions of the account of the intelligent contract The digital signature of the address of account, the address of the intelligent contract, the amount of money of offering loans, and the 4th institution account.

27. system according to claim 26, it is characterised in that

Specified node in the block chain network is additionally operable to by performing the intelligent contract come according in the intelligent contract 4th institution account is transferred to the account of the intelligent contract by the address of the first joint account of the first user of agreement The amount of money is transferred to first joint account.

28. system according to claim 27, it is characterised in that the system also includes：Use the described first joint account The Section Point at family；

The Section Point is used for when reaching the repayment time of the intelligent contract agreement, by call the intelligent contract come The amount of the loan and interest rate of agreement in the intelligent contract determine this repaying amount of money；

The Section Point be additionally operable to by first joint account initiated in block chain from first joint account to The ground of first joint account is included in second money transfer transactions of the account of the intelligent contract, second money transfer transactions The digital signature of location, the address of the intelligent contract, the repaying amount of money, and first joint account, the first joint account The digital signature of second institution account of corresponding second financial institution in family and the digital signature for supervising account；

Specified node in the block chain network is additionally operable to the digital signature when determination second money transfer transactions comprising described The digital signature of the digital signature of first joint account, the digital signature of second institution account and the supervision account When, determine that second money transfer transactions pass through checking；

Miner's node in the block chain network is additionally operable to when it is determined that second money transfer transactions are by verifying, by described Two money transfer transactions are stored in the block chain；

Specified node in the block chain network is additionally operable to by performing the intelligent contract come according in the intelligent contract First joint account is transferred to described in the account of the intelligent contract also by the address of the 4th institution account of agreement Monetary allowance volume is transferred to the 4th institution account.

29. the system according to claim 27 or 28, it is characterised in that the system also includes：Use second machine 3rd node of structure account；

The first node is additionally operable to obtain the repayment time arranged in the intelligent contract by calling the intelligent contract；

When the time difference for exceeding the repayment time in current time is more than default very first time threshold value, the first node The overdue message do not refunded of first joint account is notified to the 3rd node；

3rd node is used for when receiving the transaction initiated by first joint account in block chain again, institute It is that the transaction that first joint account is initiated in block chain is carried out that the 3rd node refusal, which is stated, using second institution account Digital signature.

30. system according to claim 16, it is characterised in that first account is the issuing account of currency, described Second account is the 5th institution account of the 5th financial institution, and one or more of destiny accounts are the issuing account；

From first account to the second account transfer is initiated in block chain by the first account in the first node Before one money transfer transactions, the first node is additionally operable to obtain the current balance of the 5th institution account；

The first node be additionally operable to by call for set the intelligent contract of Reserve Fund come according in the intelligent contract about Fixed Reserve Fund rate calculates the primary bank reserves amount of money corresponding with the current balance, and according to the Reserve Fund amount of money and institute State the 5th institution account and calculate reserve balance in the second line reserve amount of money that the issuing account is deposited；

The first node is additionally operable to：Initiated by the issuing account in the block chain from the issuing account to described Address, described comprising the issuing account in the first money transfer transactions that 5th institution account is transferred accounts, first money transfer transactions The digital signature of the address of 5th institution account, the amount of money of reserve balance and the issuing account.