CN111161043A - Block chain-based acceptance draft application method - Google Patents

Block chain-based acceptance draft application method Download PDF

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Publication number
CN111161043A
CN111161043A CN201911249524.3A CN201911249524A CN111161043A CN 111161043 A CN111161043 A CN 111161043A CN 201911249524 A CN201911249524 A CN 201911249524A CN 111161043 A CN111161043 A CN 111161043A
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transaction
block
acceptance
probability
barter
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Inventor
翟洪达
魏利霞
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Hangzhou Aiyi Technology Co Ltd
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Hangzhou Aiyi Technology Co Ltd
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Priority to CN201911249524.3A priority Critical patent/CN111161043A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/381Currency conversion
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825Use of electronic signatures
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention provides an application method of acceptance bill based on block chain, comprising a goods exchanging system, a transaction mode, network operation, payment confirmation and attack probability calculation, wherein each transaction certificate is a string of digital signature, each owner signs a randomly hashed digital signature to the previous transaction and the public key of the next owner, the signature is attached to the tail end of the certificate, and a payee can verify the owner of the chain by checking the signature, applies a time stamp to a group of data in the form of blocks by random hashing and broadcasts the random hashing; the invention generates the barter amount through the pledge or the collection of the financial institution, the whole amount is broken into parts in the exchange system, and the barter amount is accepted and circulated by all merchants in the exchange system like cash; after the acceptance is over, the amount can be converted into cash, and bank information is saved; and the authenticity and the safety of the acceptance draft are ensured by using a block chain and an internet technology.

Description

Block chain-based acceptance draft application method
Technical Field
The invention relates to an application method of an acceptance draft, in particular to an application method of an acceptance draft based on a block chain.
Background
Acceptance of a draft (financial noun) and so-called acceptance, simply called acceptance of a commitment, is the act of a payer signing a letter on a draft to indicate that the commitment will assume payment obligations in the future when the draft expires. Use of acceptance draft: for sellers, a forward payment mode is provided for existing or new customers, so that the sales amount can be increased, and the market competitiveness is improved; for a buyer, more goods are purchased with limited capital by forward payment, so that the occupation and the demand of operating funds are reduced to the maximum extent, and the enlargement of the production scale is facilitated; the financial cost may be significantly reduced relative to loan financing. However, the existing acceptance draft has the following problems in actual use: the whole cannot be broken into parts, the denomination is large, and the amount is fixed; the currency is not as circulated as cash, and the currency cannot be accepted by most merchants; the bank interest is required for the exchange in advance, so that the cost is increased; the value of the circulation process cannot be increased. Therefore, the application method of the acceptance bill based on the block chain, which can divide the whole into parts, circulate like cash, exchange in advance without bank interest and add value in the circulation process, becomes a problem to be solved urgently in the whole society.
Disclosure of Invention
The invention aims to solve the technical problems that the prior art cannot divide the whole into parts, does not have the liquidity same as cash, needs bank interest for early exchange and the like.
In order to solve the problems, the invention provides an application method of acceptance draft based on a block chain, which comprises a goods exchanging system, a transaction mode, network operation, payment confirmation and attack probability calculation, wherein the goods exchanging system comprises a front role and a background role, the front role comprises a merchant, a tourist and a customer service, and the background role comprises a merchant, a cooperative bank, a parent company background and a subsidiary company background;
the transaction mode is as follows: each transaction certificate is a string of digital signatures, each owner can verify the owner of the chain by signing a randomly hashed digital signature on the public key of the previous transaction and the next owner and attaching this signature to the end of the certificate, and the payee can verify the signature by applying a time stamp to a set of data in blocks and broadcasting the random hash;
the steps of the network operation are as follows:
(1) broadcasting the new transaction to the whole network;
(2) each node incorporates the received transaction information into a block;
(3) each node attempts to find a proof of workload in its own block with sufficient difficulty;
(4) when a node finds a workload proof, it broadcasts to the whole network;
(5) other nodes agree on the validity of the block if and only if all transactions contained in the block are valid and have not previously existed;
(6) the other nodes indicate that they receive the block and indicate the method of acceptance, which is to make a new block following the end of the block to extend the chain and treat the random hash value of the received block as the random hash value of the new block;
the payment confirmation is as follows: if the current network node does not run completely, the payment can be checked; a user needs to keep a copy of the block header of the longest workload proof chain, and it can continuously initiate queries to the network until it is sure that he owns the longest chain and can go through the merkle branch to the transaction where it is time stamped and incorporated into the block; it is not possible that a node wants to verify itself the validity of the transaction, but by tracing back to a certain position of the chain, it can see that a certain node has accepted it, and the block added thereafter further proves that the whole network has accepted it;
the attack probability is calculated as follows: the goods exchanging system solves the problem that the current block is affected by attack, such as changing the transaction information of others and reading back the paid amount: assuming that a gambler has unlimited overdraft credit and then proceeds to gamble potentially an infinite number of times in an attempt to fill his deficit, the probability of his filling deficit can be calculated, i.e. the attacker catching up with an honest chain, as follows:
p-the probability that a honest node will make the next node, q-the probability that an attacker will make the next node, qzThe attacker eventually eliminates the lag gap of z blocks:
Figure BDA0002308633270000021
assuming p > q, the probability of attack success appears exponentially decreasing as the number of blocks increases,
Figure BDA0002308633270000022
in this case, in order to calculate the probability of the attacker catching up, the probability density of the poisson distribution of the number of blocks in which the attacker has progressed is multiplied by the probability that the attacker can still catch up at that number,
Figure BDA0002308633270000023
in the following form, the summation over an infinite number of columns is avoided:
Figure BDA0002308633270000024
furthermore, the electronic payment system established by the goods exchanging system applies block chain technology and cryptography principles rather than credit, so that two parties in agreement can directly pay.
Further, the acceptance bill comprises a barter and a trading contract, wherein the barter is a trading medium in barter trading and is an accounting voucher and a payment means for recording trading between members engaged in barter trading; the transaction contract is verified and added to the blockchain, and then the transaction contract is stored permanently, so that the transaction contract is not falsifiable.
Furthermore, the acceptance draft generates the barter amount through the pledge or collection of the financial institution, the whole amount is broken up in the exchange system, and the barter amount is received and circulated by all merchants of the exchange system like cash, so that barter transaction is realized; after the acceptance is over, the amount can be exchanged into cash, bank information is saved, commission distribution in the barter transaction process is obtained, value increment is realized, the acceptance draft is used as a settlement mode in the barter platform to stabilize the currency, and the stability is reflected in that the currency can be split, circulated and exchanged.
Further, the exchange system ensures the authenticity and the safety of the acceptance draft and the payment of the acceptance draft after the acceptance draft is expired through the butt joint with the financial institution.
Compared with the prior art, the invention has the advantages that: the invention generates the barter amount through the pledge or the collection of the financial institution, the whole amount is broken into parts in the exchange system, and the barter amount is accepted and circulated by all merchants in the exchange system like cash, thereby realizing barter transaction; after the acceptance is over, the amount can be converted into cash, bank interest is saved, commission distribution in the barter transaction process is obtained, and value increment is realized; the authenticity and the safety of the acceptance draft are ensured by applying a block chain and an internet technology; the invention relates to a method for checking the bad liquidity assets of a living enterprise and providing a second cash flow for the enterprise; the system helps enterprises to stock and promote the reform of government supply side; realizing the innovation of bill application; the invention has reasonable design and is worth popularizing.
Drawings
FIG. 1 is a schematic diagram of a transaction mode.
FIG. 2 is a schematic diagram of a longest workload proof chain
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
The present invention will be described in detail with reference to the accompanying fig. 1-2.
The invention provides an application method of acceptance draft based on block chain, which comprises a goods exchanging system, a transaction mode, network operation, payment confirmation and attack probability calculation, wherein the goods exchanging system comprises a front role and a background role, the front role comprises a merchant, a tourist and a customer service, and the background role comprises a merchant, a cooperative bank, a parent company background and a subsidiary company background;
the transaction mode is as follows: each transaction certificate is a string of digital signatures, each owner can verify the owner of the chain by signing a randomly hashed digital signature on the public key of the previous transaction and the next owner and attaching this signature to the end of the certificate, and the payee can verify the signature by applying a time stamp to a set of data in blocks and broadcasting the random hash;
the steps of the network operation are as follows:
(1) broadcasting the new transaction to the whole network;
(2) each node incorporates the received transaction information into a block;
(3) each node attempts to find a proof of workload in its own block with sufficient difficulty;
(4) when a node finds a workload proof, it broadcasts to the whole network;
(5) other nodes agree on the validity of the block if and only if all transactions contained in the block are valid and have not previously existed;
(6) the other nodes indicate that they receive the block and indicate the method of acceptance, which is to make a new block following the end of the block to extend the chain and treat the random hash value of the received block as the random hash value of the new block;
the payment confirmation is as follows: if the current network node does not run completely, the payment can be checked; a user needs to keep a copy of the block header of the longest workload proof chain, and it can continuously initiate queries to the network until it is sure that he owns the longest chain and can go through the merkle branch to the transaction where it is time stamped and incorporated into the block; it is not possible that a node wants to verify itself the validity of the transaction, but by tracing back to a certain position of the chain, it can see that a certain node has accepted it, and the block added thereafter further proves that the whole network has accepted it;
the attack probability is calculated as follows: the goods exchanging system solves the problem that the current block is affected by attack, such as changing the transaction information of others and reading back the paid amount: assuming that a gambler has unlimited overdraft credit and then proceeds to gamble potentially an infinite number of times in an attempt to fill his deficit, the probability of his filling deficit can be calculated, i.e. the attacker catching up with an honest chain, as follows:
p-the probability that a honest node will make the next node, q-the probability that an attacker will make the next node, qzThe attacker eventually eliminates the lag gap of z blocks:
Figure BDA0002308633270000041
assuming p > q, the probability of attack success appears exponentially decreasing as the number of blocks increases,
Figure BDA0002308633270000042
in this case, in order to calculate the probability of the attacker catching up, the probability density of the poisson distribution of the number of blocks in which the attacker has progressed is multiplied by the probability that the attacker can still catch up at that number,
Figure BDA0002308633270000043
in the following form, the summation over an infinite number of columns is avoided:
Figure BDA0002308633270000044
the electronic payment system set by the goods exchanging system applies block chain technology and cryptography principle without credit, so that two parties in agreement can directly pay.
The acceptance bill comprises a barter line and a transaction contract, wherein the barter line is a transaction medium in barter transaction and is an accounting voucher and a payment means for recording transaction between members engaged in barter transaction; the transaction contract is verified and added to the blockchain, and then the transaction contract is stored permanently, so that the transaction contract is not falsifiable.
The acceptance draft is generated into the barter amount through the pledge or the collection of a financial institution, the whole amount is broken up in the exchange system, and the acceptance draft is received and circulated by all merchants of the exchange system like cash to realize barter transaction; after the acceptance is over, the amount can be exchanged into cash, bank information is saved, commission distribution in the barter transaction process is obtained, value increment is realized, the acceptance draft is used as a settlement mode in the barter platform to stabilize the currency, and the stability is reflected in that the currency can be split, circulated and exchanged.
The exchange system ensures the authenticity and the safety of the acceptance draft and the exchange payment after the acceptance draft is expired through the butt joint with the financial institution.
The invention generates the barter amount through the pledge or the collection of the financial institution, the whole amount is broken into parts in the exchange system, and the barter amount is accepted and circulated by all merchants in the exchange system like cash, thereby realizing barter transaction; after the acceptance is over, the amount can be converted into cash, bank interest is saved, commission distribution in the barter transaction process is obtained, and value increment is realized; the authenticity and the safety of the acceptance draft are ensured by applying a block chain and an internet technology; the invention relates to a method for checking the bad liquidity assets of a living enterprise and providing a second cash flow for the enterprise; the system helps enterprises to stock and promote the reform of government supply side; realizing the innovation of bill application; the invention has reasonable design and is worth popularizing.
Having thus described the basic principles and principal features of the invention, it will be appreciated by those skilled in the art that the invention is not limited by the embodiments described above, which are given by way of illustration only, but that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined by the appended claims and their equivalents.

Claims (5)

1. An application method of acceptance draft based on block chain includes the steps of a goods exchanging system, a transaction mode, network operation, payment confirmation and attack probability calculation, and is characterized in that: the goods exchanging system comprises a front role and a background role, the front role comprises a merchant, a tourist and a customer service, and the background role comprises a merchant, a cooperative bank, a parent company background and a subsidiary company background;
the transaction mode is as follows: each transaction certificate is a string of digital signatures, each owner can verify the owner of the chain by signing a randomly hashed digital signature on the public key of the previous transaction and the next owner and attaching this signature to the end of the certificate, and the payee can verify the signature by applying a time stamp to a set of data in blocks and broadcasting the random hash;
the steps of the network operation are as follows:
(1) broadcasting the new transaction to the whole network;
(2) each node incorporates the received transaction information into a block;
(3) each node attempts to find a proof of workload in its own block with sufficient difficulty;
(4) when a node finds a workload proof, it broadcasts to the whole network;
(5) other nodes agree on the validity of the block if and only if all transactions contained in the block are valid and have not previously existed;
(6) the other nodes indicate that they receive the block and indicate the method of acceptance, which is to make a new block following the end of the block to extend the chain and treat the random hash value of the received block as the random hash value of the new block;
the payment confirmation is as follows: if the current network node does not run completely, the payment can be checked; a user needs to keep a copy of the block header of the longest workload proof chain, and it can continuously initiate queries to the network until it is sure that he owns the longest chain and can go through the merkle branch to the transaction where it is time stamped and incorporated into the block; it is not possible that a node wants to verify itself the validity of the transaction, but by tracing back to a certain position of the chain, it can see that a certain node has accepted it, and the block added thereafter further proves that the whole network has accepted it;
the attack probability is calculated as follows: the goods exchanging system solves the problem that the current block is affected by attack, such as changing the transaction information of others and reading back the paid amount: assuming that a gambler has unlimited overdraft credit and then proceeds to gamble potentially an infinite number of times in an attempt to fill his deficit, the probability of his filling deficit can be calculated, i.e. the attacker catching up with an honest chain, as follows:
p-the probability that a honest node will make the next node, q-the probability that an attacker will make the next node, qzThe attacker eventually eliminates the lag gap of z blocks:
Figure FDA0002308633260000011
assuming p > q, the probability of attack success appears exponentially decreasing as the number of blocks increases,
Figure FDA0002308633260000021
in this case, in order to calculate the probability of the attacker catching up, the probability density of the poisson distribution of the number of blocks in which the attacker has progressed is multiplied by the probability that the attacker can still catch up at that number,
Figure FDA0002308633260000022
in the following form, the summation over an infinite number of columns is avoided:
Figure FDA0002308633260000023
2. the method as claimed in claim 1, wherein the electronic payment system of the exchange system uses blockchain technology and cryptography without credit, so that both parties can pay directly.
3. The method as claimed in claim 1, wherein the acceptance draft includes barter and transaction contract, the barter is transaction medium in barter transaction and is accounting voucher and payment means for recording transaction between members engaged in barter transaction; the transaction contract is verified and added to the blockchain, and then the transaction contract is stored permanently, so that the transaction contract is not falsifiable.
4. The method as claimed in claim 1, wherein the acceptance draft is generated by the financial institution pledge or collection, and the whole amount is broken up in the exchange system, and the acceptance draft is received and circulated by all merchants of the exchange system like cash to realize the barter transaction; after the acceptance is over, the amount can be exchanged into cash, bank interest is saved, commission is allocated in the barter transaction process, and value is increased.
5. The method as claimed in claim 1, wherein the exchange system is connected to financial institution to ensure the authenticity and security of the exchange draft and the payment of the exchange draft after its expiration.
CN201911249524.3A 2019-12-09 2019-12-09 Block chain-based acceptance draft application method Pending CN111161043A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111967985A (en) * 2020-10-23 2020-11-20 四川川投云链科技有限公司 Block chain-based acceptance draft management method
CN112184985A (en) * 2020-09-30 2021-01-05 中国银行股份有限公司 Method and device for determining security exchange limit
CN113591123A (en) * 2021-08-11 2021-11-02 福建天晴数码有限公司 Method and system for realizing data security of integral system through associated encryption
CN116308802A (en) * 2023-05-15 2023-06-23 广东电网有限责任公司东莞供电局 Intelligent contract-based power transaction method, device, equipment and storage medium

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112184985A (en) * 2020-09-30 2021-01-05 中国银行股份有限公司 Method and device for determining security exchange limit
CN111967985A (en) * 2020-10-23 2020-11-20 四川川投云链科技有限公司 Block chain-based acceptance draft management method
CN113591123A (en) * 2021-08-11 2021-11-02 福建天晴数码有限公司 Method and system for realizing data security of integral system through associated encryption
CN113591123B (en) * 2021-08-11 2023-09-22 福建天晴数码有限公司 Method and system for realizing data security of integrating system through associated encryption
CN116308802A (en) * 2023-05-15 2023-06-23 广东电网有限责任公司东莞供电局 Intelligent contract-based power transaction method, device, equipment and storage medium
CN116308802B (en) * 2023-05-15 2023-10-31 广东电网有限责任公司东莞供电局 Intelligent contract-based power transaction method, device, equipment and storage medium

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