CN108765129B - The distribution of traditional bank assets and system for settling account and method based on block chain - Google Patents
The distribution of traditional bank assets and system for settling account and method based on block chain Download PDFInfo
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- CN108765129B CN108765129B CN201810477212.7A CN201810477212A CN108765129B CN 108765129 B CN108765129 B CN 108765129B CN 201810477212 A CN201810477212 A CN 201810477212A CN 108765129 B CN108765129 B CN 108765129B
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Abstract
This application discloses the distributions of traditional bank assets and system for settling account and method based on block chain.The system includes: main chain module, operates in Central Bank side, at least storing the issuing account of Central Bank, holding account, the account address of at least one branch and position account；And digital asset is issued by the issuing account of Central Bank, and digital asset is distributed to the position account of at least one branch in proportion；At least one private chain module, is separately operable in corresponding branch side, and wherein each is used to the account information that storage belongs to the user of the corresponding branch of private chain module；ILP connector is connected, for the digital asset of position account to be synchronized to the issuing account of target corresponding with position account branch respectively with each of main chain module and at least one private chain module.According to the technical solution of the embodiment of the present application, the assets settlement of traditional bank is realized based on block chain, accelerates traditional bank clearing and clearance speed, and improve fund utilization rate.
Description
Technical field
Present application relates generally to fields of communication technology, more particularly to the distribution of the traditional bank assets based on block chain and clearance
System and method.
Background technique
Block chain technology changes the mode of transaction flow and record preservation, to be greatly reduced in the application of financial field
Transaction cost is obviously improved efficiency.R3CEV and Hyperledger block chain technology has been set up in international major leading financial institution
Using alliance.
Currently, the cross-border payment and settlement time it is long, it is costly, multiple intermediate link must be passed through again.Needed for each remittance
Intermediate link is time-consuming and higher cost, cost and efficiency have become where the bottleneck of cross-border remittance.With it is cross-border remittance with
The mode of clearing is increasingly sophisticated, and the third party intermediary role being dependent between requestee and payee seems of crucial importance.
Secondly, the liquidation procedure of each country is different, it may cause a remittance and probably need could arrive account within 2 to 3 days, imitate
Rate is extremely low, and fund in float occupancy is very big.
Based on the above issues, it is expected that proposing that a kind of new scheme avoids third party intermediary role, and can accelerate clearing with
Speed is cleared, the utilization rate of fund is greatly improved.
Summary of the invention
In view of drawbacks described above in the prior art or deficiency, be intended to provide based on block chain traditional bank assets distribution with
Liquidation method and system reduce transhipment charge to avoid transfer bank, and accelerate clearing and clearance speed, promote fund and utilize
Rate.
In a first aspect, the embodiment of the present application provide it is a kind of based on block chain traditional bank assets distribution with clearance be
System, the system include:
Main chain module operates in Central Bank side, at least store the issuing account of Central Bank, hold account, at least one
The account address of branch and position account；And digital asset is issued by the issuing account of Central Bank, and by digital asset press than
Example is distributed to the position account of at least one branch；
At least one private chain module, is separately operable in corresponding branch side, and wherein each is used to store and return
Belong to the account information of the user of the corresponding branch of private chain module；
ILP connector is connected with each of main chain module and at least one private chain module respectively, is used for position
The digital asset of account is synchronized to the issuing account of target corresponding with position account branch.
Second aspect, the embodiment of the present application provide it is a kind of based on block chain traditional bank assets distribution with clearance side
Method, this method comprises:
The main chain module for operating in Central Bank side, at least store Central Bank issuing account and hold account, at least one
The account address of branch and position account；Main chain module issues digital asset by the issuing account of Central Bank, and number is provided
Produce the position account for being distributed at least one branch in proportion；
At least one private chain module, is separately operable in corresponding branch side, wherein each is belonged to for storing
The account information of the user of the corresponding branch of private chain module；
By the ILP connector of each of connection main chain module and at least one private chain module, by position account
Digital asset is synchronized to the issuing account of target corresponding with position account branch.
The system and method for traditional bank assets distribution and clearance provided by the embodiments of the present application based on block chain, passes through
Main chain module and at least one private chain module, and be connected with each in the main chain module and at least one private chain module
ILP connector realizes the assets settlement of traditional bank, accelerates traditional bank clearing and clearance speed, and improve fund utilization
Rate.
The embodiment of the present application further additionally provides the transfer of the digital asset between colleague user and inter-bank user, base
In block chain technology to traditional bank assets settlement business realizing automatic processing, business processing efficiency is effectively promoted,
And bank is reduced in the operation cost of assets settlement method.
Detailed description of the invention
By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, the application's is other
Feature, objects and advantages will become more apparent upon:
Fig. 1 shows the knot of traditional bank the assets distribution and system for settling account provided by the embodiments of the present application based on block chain
Structure schematic block diagram；
The stream of Fig. 2 shows provided by the embodiments of the present application traditional bank assets distribution and liquidation method based on block chain
Journey schematic diagram；
Fig. 3 shows the flow diagram of the embodiment of the present application step 230；
Fig. 4 shows the flow diagram that colleague user provided by the embodiments of the present application transfers accounts；
Fig. 5 show one embodiment of the application offer inter-bank is realized based on private chain module and main chain module synchronization data
The flow diagram for the method transferred accounts；
Fig. 6 shows the method realizing inter-bank based on intermediate facilitator module and transferring accounts that the another embodiment of the application provides
Flow diagram.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining related invention, rather than the restriction to the invention.It also should be noted that in order to
Convenient for description, part relevant to invention is illustrated only in attached drawing.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
Referring to FIG. 1, Fig. 1 show the traditional bank assets distribution provided by the embodiments of the present application based on block chain with it is clear
The structural schematic block diagram of calculation system.
As shown in Figure 1, the system 100 includes:
Main chain module 110 operates in Central Bank side, at least storing the issuing account of Central Bank, holding account, at least one
The account address of a branch and position account；And digital asset is issued by the issuing account of Central Bank, and digital asset is pressed
Ratio is distributed to the position account of at least one branch；
At least one private chain module (for example, 120a, 120b), is separately operable in corresponding branch side, wherein often
One for storing the account information for the user for belonging to the corresponding branch of private chain module；
ILP connector 130 is connected with each of main chain module and at least one private chain module respectively, and being used for will
The digital asset of position account is synchronized to the issuing account of target corresponding with position account branch.
In the embodiment of the present application, constructing the distribution of traditional bank assets and system for settling account, the system based on block chain includes
The main chain module 110 for operating in Central Bank side operates in the private chain module 120a of corresponding branch, 120b, example at least one
The corresponding private chain module 120a of such as the first branch, the second branch correspond to private chain module 120b, and in main chain module 110 and private chain mould
ILP connector 130 between block 120a, 120b.Wherein, main chain module 110 is used to store the issuing account of Central Bank, holds account
Family, the account address of at least one branch and position account.The issuing account distribution number money that main chain module 110 passes through Central Bank
It produces, and the digital asset is distributed to the position account of at least one branch stored thereon in proportion.Such as first branch
Position account, the position account of the second branch.
Private chain module 120a, 120b is separately operable in the first branch and the second branch, and private chain module 120a returns for storing
Belong to the account information of the user of the first branch, private chain module 120b is used to store the account letter for the user for belonging to the second branch
It ceases, wherein account information, such as can be the issuing account of user and hold account.Private chain module 120a, 120b, such as may be used also
Hold account with store intermediate facilitator module respectively.
InterLedger Protocal (hereinafter referred to as ILP, referred to as across account book agreement or across chain value transport protocol).
ILP connector is used to the digital asset of the position account stored in main chain module being synchronized to branch corresponding with the position account
Issuing account, with meet electric business to payment clearance service timeliness, convenience demand.
On this basis, the system 100 further include:
Intermediate facilitator module 140 is connected between any two private chain module, in any two private chain module
Between shift digital asset.
In the embodiment of the present application, intermediate facilitator module 140 is arranged between private chain module 120a and 120b, and being used for will be private
The digital asset of certain numerical value or amount is transferred to the use of private chain module 120b in the account information of user on chain module 120a
In the account information at family, or for the certain numerical value of user of private chain module 120b or the digital asset of amount to be transferred to private
In the account information of the user of chain module 120a.For example, private chain module 120a operates in certain branch (such as first branch), private chain
Module 120b operates in other branches (such as second branch).Note that branch different in the embodiment of the present application, such as can be
First branch and the second branch or third branch and the 4th branch.Utilize the words such as " first ", " second ", " third ", " the 4th "
Language limits branch, only understands as difference, limits not as the sequence of operating method.
In the embodiment of the present application, intermediate facilitator module 140 be arranged in the first branch private chain module 120a and second point
Between capable private chain module 120b.Private chain module 120a storage intermediate facilitator module 140 holds account S-A, private chain module
120b storage intermediate facilitator module 140 holds account S-B；
For example, as the escrow trade AA that private chain module 120a receives user A creation or initiates, the mesh of escrow trade AA
Mark address, which is intermediate facilitator module 140, holds account S-A what private chain module 120a store, initiates address or source address is use
Family A's holds account aa；
Intermediate facilitator module 140 listens to escrow trade AA, and checks escrow trade AA；
Intermediate facilitator module 140 receives escrow trade AA, and is created or initiated escrow trade based on escrow trade AA
AAA, the destination address of escrow trade AAA are that the user B of private chain module 120b storage holds account bb, this, which holds account bb, is
The account address of the user B of private chain module 120b storage；
The account bb that holds of private chain module 120b listens to escrow trade AAA, and verifies to escrow trade AAA, such as
Fruit is verified, then signs for escrow trade AAA；
Digital asset corresponding with escrow trade AAA is held account from intermediate facilitator module 140 by private chain module 120b
What family S-B was transferred to user B holds account bb, and sends one and claim confirmation message to intermediate facilitator module 140；
Intermediate facilitator module 140 listens to this and claims confirmation message, and this is forwarded to claim confirmation message to private chain module
120a；
Private chain module 120a is listened to after this claims confirmation message, by the corresponding digital asset of escrow trade AA by user A
The account aa that holds be transferred to intermediate facilitator module 140 and hold account S-A on private chain module 120a.
The embodiment of the present application changes tradition by the system of traditional bank assets distribution and clearance based on block chain
The mode of third party intermediary is trusted by bank, realizes the quick and inexpensive payment of digital asset point-to-point by decentralization, bright
The aobvious cost for reducing every transaction, greatly improves payment efficiency.
On that basi of the above embodiments, the embodiment of the present application also proposed a kind of traditional bank assets based on block chain point
Hair and liquidation method improve the completeness of cross-border remittance by this method, accelerate the speed of clearing with clearance, improve fund and utilize
Rate.
It should be appreciated that all units or module recorded in system 100 and each step phase in the method with reference to Fig. 2 description
It is corresponding.It is equally applicable to system 100 and unit wherein included above with respect to the operation and feature of method description as a result, herein
It repeats no more.The modules of system 100 can realize in advance respectively in the browser of electronic equipment or other security applications,
It can also be loaded into the browser or its security application of electronic equipment by modes such as downloadings.Respective mode in system 100
Block can be cooperated with the unit in electronic equipment to realize the scheme of the embodiment of the present application.
Referring to FIG. 2, the traditional bank assets distribution that Fig. 2 shows provided by the embodiments of the present application based on block chain with it is clear
The flow diagram of calculation method.
Step 210, the main chain module for operating in Central Bank side, at least store Central Bank issuing account and hold account,
The account address of at least one branch and position account；Main chain module issues digital asset by the issuing account of Central Bank, and
The digital asset is distributed to the position account for being sent at least one branch in proportion；
Step 220, at least one private chain module, is separately operable in corresponding branch side, wherein each is used for
Storage belongs to the account information of the user of the corresponding branch of private chain module；
Step 230, by the ILP connector of each of connection main chain module and at least one private chain module, by head
The digital asset of very little account is synchronized to the issuing account of target corresponding with position account branch.
In the embodiment of the present application, the main chain module 110 by operating in Central Bank side is operated in at least one to be corresponding to it
Branch private chain module 120a, 120b, and the ILP connector between main chain module 110 and private chain module 120a, 120b
130 realize the quick and inexpensive cross-border payment of point-to-point.Wherein, main chain module 110 be used for store Central Bank issuing account,
Hold account, the account address of at least one branch and position account.Main chain module 110 issues number by the issuing account of Central Bank
Word assets, and the digital asset is distributed to the position account of at least one branch stored thereon in proportion.Such as first point
Capable position account, the position account of the second branch.
Private chain module 120a, 120b is separately operable in the first branch and the second branch, and private chain module 120a returns for storing
Belong to the account information of the user of the first branch, private chain module 120b is used to store the account letter for the user for belonging to the second branch
It ceases, wherein account information, such as can be the issuing account of user and hold account.Private chain module 120a, 120b, such as may be used also
Hold account with store intermediate facilitator module respectively.
InterLedger Protocal (hereinafter referred to as ILP, referred to as across account book agreement or across chain value transport protocol).
ILP connector is used to the digital asset of the position account stored in main chain module being synchronized to branch corresponding with the position account
Issuing account, with meet electric business to payment clearance service timeliness, convenience demand.
On the basis of this embodiment, referring to FIG. 3, Fig. 3 shows the flow diagram of the embodiment of the present application step 230.
Step 230 further comprises:
Step 2301, the first escrow trade of main chain module creation, the destination address of first escrow trade are ILP connectors
In the account address of Central Bank side.
Step 2302, ILP connector is monitored and receives the first escrow trade, then checks the first escrow trade；
Then, the second escrow trade is created based on the first escrow trade, the destination address of second escrow trade is the account of target branch
Family address, second escrow trade include the partial content of the first escrow trade.
In the embodiment of the present application, the position account of the first branch and the position account of the second branch are stored in main chain module 110
Family.An escrow trade, such as the first escrow trade, the destination address of first escrow trade are initiated in the creation of main chain module 110
Such as it can be ILP connector in the address for holding user S-I or other forms of Central Bank side.
ILP connector monitors the first escrow trade, when listening to the first escrow trade, base according to preset mode
In the creation of the first escrow trade or another escrow trade, such as the second escrow trade are initiated, the target of second escrow trade
Location is the account address of target branch.Such as target branch can be the first branch, the account address of target branch for example can be with
It is the issuing account of the first branch.
Wherein, the first escrow trade for example may include: transaction in assets information, ILP packet private data, the first terms of trade
And time-out time, first terms of trade for example can be first based on ILP packet private data and the generation of the first shared key
Condition preimage carries out what Hash operation obtained.Wherein the first shared code key is every in main chain module and at least one private chain module
One by negotiating the first shared code key under line.For example, main chain module 110 passes through under line with private chain module 120a, 120b respectively
The shared code key negotiated.
Step 2303, the private chain module of target branch listens to the second escrow trade, and tests the second escrow trade
Card；If the verification passes, then the second escrow trade is signed for, and transmission first claims and confirms message to ILP connector.
In the embodiment of the present application, the issuing account on the private chain module 120a of the first branch listens to the second escrow trade
Afterwards, which is verified, and receives the second escrow trade after being verified.Verification method, such as can be with
It is to be decompressed to obtain ILP packet private data and the first terms of trade to the second escrow trade using private chain module 120a, then,
Private chain module 120a generates second condition preimage using the first shared key of ILP packet private data and itself storage；Then, sharp
Hash operation is carried out with second condition preimage, obtains the second terms of trade.Finally, by the second terms of trade and the first terms of trade
It is compared, if the two is identical, is verified；Otherwise, verifying does not pass through.
When being verified, the issuing account of target branch increases digital asset corresponding with transaction in assets information.
Step 2304, ILP connector listens to first and claims confirmation message, and forwards it to main chain module.
In the embodiment of the present application, ILP connector, which is monitored and receives first, claims confirmation message, and forward this first claim really
Message is recognized to main chain module 110.Wherein, first to claim confirmation message include second condition preimage, which is private
What the first shared code key stored on ILP packet private data of the chain module 120a based on decompression and private chain module 120a generated.
Step 2305, main chain module receive first claim confirmation message after, clear target branch position account
Digital asset.
In the embodiment of the present application, main chain module 110 receive first claim confirmation message after, can also be by judging first
It claims the second condition preimage carried in confirmation message and whether first condition preimage is identical；If identical, target point is just cleared
The digital asset of the position account of row (such as first branch).
In the embodiment of the present application, the digital asset of position account is being synchronized to target corresponding with position account branch
After issuing account, this method further include:
The issuing account of at least one branch distributes digital asset to the user account of at least one branch respectively；Alternatively,
The user of at least one branch passes through the digital asset that the issuing account of at least one branch is obtained under line.
The embodiment of the present application is come real by the ILP connection synchrodata between main chain module and at least one private chain module
The digital asset of existing Central Bank's issuing account is synchronized to the issuing account of each branch, to realize that the overall of digital asset is put down
Weighing apparatus enhances the safety of banking processing, and improves the efficiency of assets settlement.
The embodiment of the present application, clearance target branch position account digital asset after, it is further proposed that user it
Between transfer account method.According to attaching relation between user and bank of transferring accounts, and two different application scenarios can be divided into and come in fact
The transfer account method that existing the embodiment of the present application proposes.For example, attaching relation between user and branch of transferring accounts is the different user that transfers accounts
Belong to identical branch；Or attaching relation between user and branch of transferring accounts is different user attachings of transferring accounts in different points
Row.
Referring to FIG. 4, Fig. 4 shows the flow diagram that colleague user provided by the embodiments of the present application transfers accounts.Fig. 4 description
Attaching relation between user and branch of transferring accounts is different user attaching of transferring accounts in identical branch, this method comprises:
Step 410, the private chain module of branch receives the first transfer transaction information that the first user initiates to second user,
First user and the second user belong to identical branch.
In the embodiment of the present application, user A (for example, first user) and user B (for example, second user) belong to same point
Row, for example, the first branch.When user A initiates or create a money transfer transactions, such as the first transfer transaction information, this first is transferred accounts
Transaction Information for example may include the account information of the information of digital asset and the user that transfers accounts.The wherein information of digital asset, example
It such as can be the information that the digital asset that external interactive interface provides is serviced based on block chain, wherein interactive interface, such as can
To include the interface UI for being supplied to user, be supplied to system or the api interface of artificial intelligence agents.The information of digital asset is for example
It can be the number of the corresponding digital asset of the private chain module 120a of the first branch.It transfers accounts the account information of user, such as can
User B to be the first branch holds account.
Step 420, the private chain module of branch verifies the account information of the first user, and after being verified, from
The account information of first user subtracts the first digital asset corresponding with the first transfer transaction information, correspondingly in second user
Increase by the first digital asset in account information.
The embodiment of the present application, when colleague realizes and transfers accounts, the private chain module 120a verifying user A's of the first branch holds account
Family after being verified, directly subtracts the number (for example, first digital asset) of digital asset from holding for user A, phase in account
Ying Di increases by the first digital asset in holding for user B in account.
The embodiment of the present application can be realized independently using the private chain module for operating in branch and be turned between the user in branch
Account business realizes point-to-point quick transferred account service.
It is different user attachings of transferring accounts in the situation of different branches for attaching relation between user and branch of transferring accounts, originally
Application embodiment further provide based on private chain module and main chain module synchronization data realize method that inter-bank is transferred accounts or
Another kind realizes the method that inter-bank is transferred accounts based on intermediate facilitator module.
Referring to FIG. 5, Fig. 5 show it is provided by the embodiments of the present application based on private chain module and main chain module synchronization data come
Realize the flow diagram for the method that inter-bank is transferred accounts.This method comprises:
Step 501, the private chain module of the first branch receives the third user of the first branch to the fourth user of the second branch
Initiate the second transfer transaction information；
Step 502, the first branch private chain module deduct third user account information in the second transfer transaction information
Corresponding second digital asset, and record the second transfer transaction information；
Step 503, the first synchrodata that the private chain module of the first branch is generated based on the second transfer transaction information, and will
First synchrodata is synchronized to main chain module by ILP connector；
Step 504, main chain module parses the first synchrodata and obtains the second transfer transaction information；
Step 505, main chain module deducts corresponding with the second transfer transaction information second from the position account of the first branch
Digital asset, and increase the second digital asset corresponding with the second transfer transaction information in the position account of the second branch, and
Record the second transfer transaction information；
Step 506, main chain module is based on the second digital asset and the second transfer transaction information generates the second synchrodata, and
Second synchrodata is synchronized to the private chain module of the second branch by ILP connector；
Step 507, after the private chain module of the second branch obtains and parses the second synchrodata, the second digital asset is increased
It is added to the account information of second user, and records the second transfer transaction information.
In the embodiment of the present application, third user and fourth user are respectively belonging to different branches, for example, user C (such as
Three users) the first branch is belonged to, user D (such as fourth user) belongs to the second branch.It transfers accounts when user C initiates or create one
Transaction, such as the second transfer transaction information, second transfer transaction information for example may include the information of digital asset and transfer accounts
The account information of user.The wherein information of digital asset, such as can be and external interactive interface offer is provided based on block chain
Digital asset information, wherein interactive interface, such as may include the interface UI for being supplied to user, be supplied to system or artificial
The api interface of intelligent agent.The information of digital asset for example can be the corresponding number of the private chain module 120a of the first branch
The number of assets.Transfer accounts the account information of user, for example, can be the second branch user D hold account or other etc.
Same account form.
Private chain module 120a deducts the second digital asset of user C held in account, and records the second money transfer transactions letter
Breath.
Private chain module 120a is based on the second transfer transaction information and generates synchrodata, and the synchrodata is connected by ILP
It connects device and is synchronized to main chain module 110.
After main chain module 110 receives synchrodata, parsing obtains the second transfer transaction information, and main chain module 110 is from the
The digital asset in the second transfer transaction information, such as the second digital asset, corresponding landlord are deducted in the position account of one branch
Chain module 110 increases by the second digital asset in the position account of the second branch, then transfers accounts in the record of main chain module 110 second
Transaction Information.
After main chain module 110 increases by the second digital asset in the position account of the second branch, synchrodata is generated, by this
Synchrodata is synchronized to the private chain module 120b of the second branch by ILP connector.
After the private chain module 120b of second branch receives and parses through synchrodata, the second digital asset is increased into user D
Hold account, then private chain module 120b record the second transfer transaction information.
In the embodiment of the present application, realizes that inter-bank is transferred accounts by main chain module and private chain module synchronization data, improve silver
Automatic processing ability of the row in terms of assets and clearance, reduces the operation cost of bank, improve inter-bank transfer accounts it is timely
Property, convenience.
Referring to FIG. 6, Fig. 6 shows and provided by the embodiments of the present application realizes that inter-bank is transferred accounts based on intermediate facilitator module
Method flow diagram.This method comprises:
Step 601, the private chain module of the first branch receives the third escrow trade of the 5th user creation of the first branch,
The destination address of third escrow trade is the account address that intermediate facilitator module stores in the private chain module of the first branch；
Step 602, third escrow trade is monitored and received to intermediate facilitator module, and examines to third escrow trade
It looks into, the 4th escrow trade is created based on third escrow trade, the destination address of the 4th escrow trade is the private chain of the second branch
The account address of the 6th user stored in module；
Step 603, the private chain module of the second branch listens to the 4th escrow trade, and tests the 4th escrow trade
Card, if the verification passes, then signs for the 4th escrow trade；
Step 604, the private chain module of the second branch takes third digital asset corresponding with the 4th escrow trade from centre
What business quotient module block stored in the private chain module of the second branch holds the account address that the 6th user is transferred in account, and sends
Second claims confirmation message to intermediate facilitator module；
Step 605, intermediate facilitator module listens to second and claims confirmation message, and forwarding second claims confirmation message to the
The private chain module of one branch；
Step 606, the private chain module of the first branch listen to second claim confirmation message after, will be with third escrow trade pair
The third digital asset answered is transferred to intermediate facilitator module in the private chain module of the first branch from the account address of the 5th user
Account is held in upper storage.
The embodiment of the present application, the 5th user and the 6th user are respectively belonging to different branches, such as user E the (the such as the 5th
User) the first branch is belonged to, user F (such as the 6th user) belongs to the second branch.It transfers accounts friendship when user E initiates or create one
Easily, such as user E can be received by the private chain module 120a of the first branch initiating or the third escrow trade of creation, this
The destination address of three escrow trades be intermediate facilitator module 140 stored in the private chain module 120 of the first branch hold account
Family S-I-A.Wherein, third escrow trade includes: the second shared code key negotiated under the 5th user and the 6th user's line；Assets are handed over
Easy information and ILP packet private data；Third terms of trade and time-out time, the third terms of trade are based on the privately owned number of ILP packet
Carry out what Hash operation obtained according to the third condition preimage generated with the second shared key.Wherein, transaction in assets information includes turning
The third digital asset for including in account information.
Intermediate facilitator module 140 is monitored and receives third escrow trade, then checks third escrow trade, it
Afterwards, the 4th escrow trade is created based on third escrow trade, the destination address of the 4th escrow trade is the user F of the second branch
Account address.Account address for example can be the account for holding account or other forms of user F.
The account of holding of the user F of the private chain module 120b of second branch listens to the 4th escrow trade, to the 4th
Escrow trade is verified, and if the verification passes, then signs for the 4th escrow trade.Private chain module 120b is by third digital asset
What the holding of the intermediate facilitator module 140 stored from private chain module 120b was transferred to user F in account S-I-B holds account
In.
The account of holding of user F on private chain module 120b claims confirmation letter to the transmission of intermediate facilitator module 140 second
Breath, this second is claimed in confirmation message comprising fourth condition preimage, which carried out based on third escrow trade
Decompress the second shared code key generation of obtained ILP packet private data and private chain module 120b storage.
Intermediate facilitator module 140 receives and forwards second to claim confirmation message to private chain module 120a, private chain module
120a judges whether the fourth condition preimage carried in the second reclaim message and third condition preimage are identical, if identical, by
Three digital assets are transferred to intermediate facilitator module 140 and deposit in the private chain module 120a of the first branch from the account of holding of user E
Storage is held in account S-I-A.
In the embodiment of the present application, intermediate facilitator module 140 can also be in advance in the private chain module 120a with the first branch
Hold account accordingly with storing respectively on the private chain module 120b of the second branch, such as stores and hold in private chain module 120a
Account S-I-A holds account S-I-B in private chain module 120b storage.
The embodiment of the present application, by intermediate facilitator module realization point-to-point, quick and low-cost inter-bank is transferred accounts, and is mentioned
The high safety of inter-bank or cross-border remittance, accelerates clearing and clearance speed, and greatly improve fund utilization rate.
It should be noted that although describing the operation of the method for the present invention in the accompanying drawings with particular order, this is not required that
Or hint must execute these operations in this particular order, or have to carry out operation shown in whole and be just able to achieve the phase
The result of prestige.On the contrary, the step of describing in flow chart can change and execute sequence.Additionally or alternatively, it is convenient to omit certain
Multiple steps are merged into a step and executed, and/or a step is decomposed into execution of multiple steps by step.
Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from aforementioned invention design, it is carried out by above-mentioned technical characteristic or its equivalent feature
Any combination and the other technical solutions formed.Such as features described above has similar function with (but being not limited to) disclosed herein
Can technical characteristic replaced mutually and the technical solution that is formed.
Claims (13)
1. a kind of distribution of traditional bank assets and system for settling account based on block chain, which is characterized in that the system includes:
Main chain module operates in Central Bank side, at least storing the issuing account of Central Bank, holding account, at least one branch
Account address and position account；And digital asset is issued by the issuing account of the Central Bank, and by the digital asset
It is distributed to the position account of at least one branch in proportion；
At least one private chain module, is separately operable in corresponding branch side, and wherein each is used to store and belong to
The account information of the user of the corresponding branch of private chain module；
ILP connector is respectively connected with, for supervising with each of the main chain module and at least one private chain module
It listens and receives the first escrow trade, then first escrow trade is checked, first escrow trade is the master
Chain module creation, the destination address of first escrow trade is account address of the ILP connector in Central Bank side, described
First escrow trade includes: transaction in assets information, ILP packet private data, the first terms of trade and time-out time, and described first hands over
Easy condition is that the first condition preimage progress Hash operation generated based on the ILP packet private data and the first shared code key is obtained
, the first shared code key is that each of main chain module and at least one private chain module are determining by negotiating under line；
The ILP connector is based on first escrow trade and creates the second escrow trade, the target of second escrow trade
Address is the account address of target branch, and second escrow trade includes the partial content of first escrow trade, described
Second escrow trade includes: the transaction in assets information, the ILP packet private data, first terms of trade；
The ILP connector is also used to listen to first and claims confirmation message, and forwards it to the main chain module, and described
One, which claims the private chain module that confirmation message is the target branch, listens to second escrow trade, and to second trustship
Transaction is verified；If the verification passes, then sign for what second escrow trade was sent later, described first, which claims confirmation, disappears
Breath includes second condition preimage, which is that the private chain module of target branch is privately owned based on the ILP packet of decompression
What data and the first shared code key of its storage generated, so that the main chain module, which receives described first, claims confirmation message
Later, the digital asset of the position account of the target branch is cleared.
2. system according to claim 1, which is characterized in that the system further include:
Intermediate facilitator module, any two being separately connected at least one described private chain module, for described any
Digital asset is shifted between the user of the corresponding branch of two private chain modules.
3. a kind of distribution of traditional bank assets and liquidation method based on block chain, which is characterized in that this method comprises:
The main chain module for operating in Central Bank side, at least storing the issuing account of Central Bank and holding account, at least one branch
Account address and position account, the main chain module digital asset is issued by the issuing account of the Central Bank, and by institute
State the position account that digital asset is distributed at least one branch in proportion；
At least one private chain module, is separately operable in corresponding branch side, wherein each belongs to the private for storing
The account information of the user of the corresponding branch of chain module；
The ILP connector for connecting each of the main chain module and at least one private chain module, by the position account
The digital asset at family is synchronized to the issuing account of target branch corresponding with the position account, comprising the following steps:
First escrow trade of main chain module creation, the destination address of first escrow trade are that the ILP connector exists
The account address of Central Bank side；
The ILP connector is monitored and receives first escrow trade, then checks first escrow trade；It connects
, the second escrow trade is created based on first escrow trade, the destination address of second escrow trade is the target
The account address of branch, second escrow trade include the partial content of first escrow trade, and first trustship is handed over
It include: easily transaction in assets information, ILP packet private data, the first terms of trade and time-out time, first terms of trade are bases
Carry out what Hash operation obtained in the first condition preimage that the ILP packet private data and the first shared code key generate, described the
One shared code key is that each of main chain module and at least one private chain module are determining by negotiating under line；
The private chain module of the target branch listens to second escrow trade, and tests second escrow trade
Card；If the verification passes, then second escrow trade is signed for, and transmission first claims and confirms message to the ILP connector,
Second escrow trade includes: the transaction in assets information, the ILP packet private data, first terms of trade, described
First to claim confirmation message include second condition preimage, which is the private chain module of target branch based on decompression
What the ILP packet private data and the first shared code key of its storage generated；
The ILP connector listens to described first and claims confirmation message, and forwards it to the main chain module；
The main chain module receive described first claim confirmation message after, clear the number of the position account of the target branch
Word assets.
4. according to the method described in claim 3, it is characterized in that, it is described to second escrow trade carry out verifying include:
Second escrow trade is decompressed to obtain the ILP packet private data and first terms of trade, it will be described
ILP packet private data and the first shared code key generate second condition preimage；
Hash operation is carried out using the second condition preimage, obtains the second terms of trade；
Second terms of trade are compared with first terms of trade, if the two is identical, are verified；It is no
Then, verifying does not pass through；
When being verified, the account address of the target branch increases number money corresponding with the transaction in assets information
It produces.
5. according to the method described in claim 3, it is characterized in that, receiving described first in the main chain module claims confirmation
After message, this method further include:
The main chain module judges that described first claims the second condition preimage carried in confirmation message and first condition original
It seem no identical；
If identical, the digital asset of the position account of the target branch is just cleared.
6. according to the method described in claim 3, it is characterized in that, being synchronized to and institute by the digital asset of the position account
After the issuing account for stating the corresponding target branch of position account, this method further include:
The issuing account of at least one branch holds account distribution number to the user of at least one branch respectively
Assets；Alternatively,
The user of at least one branch passes through the digital asset that the issuing account of at least one branch is obtained under line.
7. according to the method described in claim 6, it is characterized in that, this method further include:
Digital asset transfer is executed according to the attaching relation between user and branch, wherein is belonged between the user and branch
Relationship includes that different user belongs to identical branch or different user belongs to different branches.
8. the method according to the description of claim 7 is characterized in that the attaching relation include different user belong to it is identical
In lines, and the attaching relation according between user and branch executes digital asset transfer, comprising:
The private chain module of the branch receives the first transfer transaction information that the first user initiates to second user, and described first
User and the second user belong to identical branch；
The private chain module of the branch verifies the account information of first user, and after being verified, from described
The first digital asset corresponding with first transfer transaction information is subtracted in the account information of first user, correspondingly described
Increase by first digital asset in the account information of second user.
9. according to the method described in claim 8, it is characterized in that, the attaching relation includes that the different user belongs to not
Same branch, and the attaching relation according between user and branch executes digital asset transfer, comprising:
Digital asset is shifted by private chain module corresponding from the different branch and the main chain module synchronization data；
Alternatively,
Digital asset is shifted by the intermediate facilitator module between the different branch.
10. according to the method described in claim 8, it is characterized in that, described pass through private chain corresponding from the different branch
Module and the main chain module synchronization data shift digital asset, comprising:
The third user that the private chain module of first branch receives first branch initiates second to the fourth user of the second branch
Transfer transaction information；
The private chain module of first branch deduct in the account information of the third user with second transfer transaction information
Corresponding second digital asset, and record second transfer transaction information；
The first synchrodata that the private chain module of first branch is generated based on second transfer transaction information, and will be described
First synchrodata is synchronized to the main chain module by the ILP connector；
The main chain module parses first synchrodata, obtains second transfer transaction information；
The main chain module deducts and second transfer transaction information corresponding second from the position account of first branch
Digital asset, and increase the second number money corresponding with second transfer transaction information in the position account of second branch
It produces, and records second transfer transaction information；
The main chain module is based on second digital asset and second transfer transaction information generates the second synchrodata, and
Second synchrodata is synchronized to the private chain module of second branch by the ILP connector；
After the private chain module of second branch obtains and parses second synchrodata, second digital asset is increased
It is added to the account information of the second user, and records second transfer transaction information.
11. according to the method described in claim 9, it is characterized in that, the intermediate clothes by between the different branch
Quotient module block be engaged in shift digital asset, comprising:
The private chain module of first branch receives the third escrow trade of the 5th user creation of first branch, the third
The destination address of escrow trade is account that the intermediate facilitator module stores in the private chain module of first branch
Location；
The third escrow trade is monitored and received to the intermediate facilitator module, and examines to the third escrow trade
It looks into；Then, the 4th escrow trade is created based on the third escrow trade, the destination address of the 4th escrow trade is second
The account address of the 6th user stored in the private chain module of branch；
The private chain module of second branch listens to the 4th escrow trade, and tests the 4th escrow trade
Card, if the verification passes, then signs for the 4th escrow trade；
The private chain module of second branch takes third digital asset corresponding with the 4th escrow trade from the centre
Business quotient module block stored in the private chain module of second branch with holding the account that the 6th user is transferred in account
Location, and send second and claim confirmation message to the intermediate facilitator module；
The intermediate facilitator module listens to described second and claims confirmation message, and forwards described second to claim confirmation message extremely
The private chain module of first branch；
The private chain module of first branch listen to described second claim confirmation message after, will be with the third escrow trade pair
The third digital asset answered is transferred to the intermediate facilitator module in first branch from the account address of the 5th user
Private chain module on store described hold account.
12. according to the method for claim 11, which is characterized in that
The third escrow trade includes:
The the second shared code key negotiated under 5th user and the 6th user's line；
Transaction in assets information and ILP packet private data；
Third terms of trade and time-out time, the third terms of trade are based on the ILP packet private data and described second
The third condition preimage that shared code key generates carries out what Hash operation obtained.
13. according to the method for claim 12, which is characterized in that listen to second in the private chain module of first branch
After claiming confirmation message, this method further include:
Judge that described second claims the fourth condition preimage carried in confirmation message and whether the third condition preimage is identical,
Described in fourth condition preimage be based on being decompressed to obtain the ILP packet private data and described to the third escrow trade
What the second shared code key generated；
If identical, by third digital asset corresponding with the third escrow trade from the account address transfer of the 5th user
Move on to the intermediate facilitator module stored in the private chain module of first branch described in hold account.
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| CN109493050B (en) * | 2018-11-21 | 2021-08-03 | 北京蓝石环球区块链科技有限公司 | Transfer method based on block chain main chain and parallel multiple sub-chains |
| CN109493037A (en) * | 2018-11-27 | 2019-03-19 | 深圳声笑科技有限公司 | Assets distributing method, device and storage medium based on DAG structure |
| CN109658246A (en) * | 2018-12-20 | 2019-04-19 | 姚前 | By the system and method that assets are issued as digital asset on chain under the chain of trustship registration |
| CN110992010B (en) * | 2019-12-06 | 2023-05-16 | 中国科学院信息工程研究所 | Digital currency issue total amount control method and verification method |
| CN111915296B (en) * | 2020-07-02 | 2022-11-22 | 众连智能科技有限公司 | Virtual resource transfer method and system |
| CN113469817A (en) * | 2021-07-07 | 2021-10-01 | 支付宝(杭州)信息技术有限公司 | Asset transfer method and device |
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