CN111461684A

CN111461684A - Block chain and transaction method based on block chain

Info

Publication number: CN111461684A
Application number: CN202010242122.7A
Authority: CN
Inventors: 陈巍
Original assignee: Individual
Current assignee: Individual
Priority date: 2020-03-31
Filing date: 2020-03-31
Publication date: 2020-07-28

Abstract

The invention discloses a block chain of a creating block constructed by a central row or an authoritative institution all the time, wherein the central row or the authoritative institution constructs a plurality of creating blocks, each creating block represents a main right digital currency with a preset denomination, and the size and the number of the issued denominations of the main right digital currency are determined by the central row; the interest rate is determined by the autonomous action of the current row or the negotiation with the user of the trading party; the user is a natural person or a legal person, the identity information of which needs to be verified, and if the identity information is incorrect or the user is restricted by laws and regulations or department regulations, the central bank or the authority should refuse the transaction behavior of the user. The invention can well solve the problem of overlarge data volume of the traditional block chain. Secondly, because the user must submit identity information, the central bank or the authority can comprehensively monitor the transaction behavior, the problem that the account monitoring is difficult by the traditional block chain technology is well solved, and meanwhile, the foreign exchange monitoring mechanism can also comprehensively monitor all the users.

Description

Block chain and transaction method based on block chain

Technical Field

The invention relates to the field of block chains, in particular to a block chain for always constructing a created block by a central row or an authoritative institution, and also relates to a transaction method based on the block chain.

Background

The essence of an electronic cash transaction is the transfer of monetary (or currency-like) asset value. In fact, the distributed accounting concept brought by the blockchain can not only serve electronic cash transactions, but it can be used to handle value transfer in a broader sense: the ownership and circulation of each tangible asset and intangible asset can be recorded and tracked theoretically by using a block chain technology, and point-to-point value exchange is completed. This would be a significant innovation for information and asset management for social business.

However, due to the non-agile completeness of the design of bitcoin systems, the systems cannot handle more complex business logic. Inspired by bitcoin, the public blockchain platform ether house developed online in 2015 or so applies the blockchain further, allowing developers to deploy intelligent contracts on the platform to process more complex business logic. The intelligent contracts enable business logic set by codes to automatically execute according to trigger conditions without human intervention, and contract deployment is transparent on a block chain. Therefore, the blockchain technology can be widely applied to the scenes of finance, internet of things, logistics, sharing economy and the like which relate to contract processing, data exchange and ownership transfer.

The development direction of the current blockchain can be mainly divided into a public chain and a alliance chain, wherein the public chain is represented by bitcoin and Etheng, any person can join the bitcoin and Etheng at any time, the alliance is formed by participating members of a designated blockchain, business transaction information among the members is recorded in the blockchain, the use scale and the permission are limited, and the alliance is typically represented as an open source blockchain item Hyperleder under the L inux fund flag.

In the application of the existing block chain technology in the financial field, the problem that the data volume of a single block chain is too large is not solved, the behavior of a supervision organization on the transaction of issued digital currency is difficult to supervise, and the mastery country is inconvenient to manage foreign exchange.

Such blockchains may be applied to issue digital currency of ownership in various country and central authorities, and so on. A feature of such a blockchain is that the created zone must be constructed by a central row or authority, with point-to-point value transfers being involved by the central row or other authorities for each value transfer, i.e., the flow of value transfers is point to central row to point again, such as between a and b being a point to a central row to a b. This has the advantage that the central bank or other authorities can participate in the creation, value transfer, and recycling of digital mastered money in a global manner, thus making the entire new set of blockchains capable of solving various problems encountered during the use of current blockchain technology in the financial field.

Disclosure of Invention

The purpose of the invention is as follows: in order to solve the problems in the prior art, the invention aims to provide a blockchain for always building a created block by a central row or an authoritative institution, and another aim of the invention is to provide a transaction method based on the blockchain, so as to solve the problems that the traditional blockchain has too large data volume and the traditional blockchain technology is difficult to monitor accounts, and meanwhile, a foreign exchange supervision institution can also carry out comprehensive supervision on all users.

The technical scheme is as follows: a block chain of a generative block always constructed by a central row or authority, several generative blocks each representing a primary digital currency having a preset denomination, the size and number of issued denominations of which are determined by the central row; the interest rate of the digital currency with the main right is determined by the initiative of the central authorities or by negotiation with a trading party user;

the user is a natural person or a legal person, the identity information of the user needs to be verified, and if the identity information is incorrect or the user is limited by laws and regulations or department regulations, the transaction behavior of the user should be rejected by the central bank.

Further, identity information of the user is digitally identified, the information for the user to carry to the central bank for authentication includes at least one of an identity certificate, an identification certificate, identification authentication information and a digital identification of a transaction object, the identity certificate, the identification certificate and the identification authentication information enable the central bank or an authority to authenticate the real identity of the user, and the digital identification of the transaction object enables the central bank or other authorities to make the identity of the transaction object clear.

Further, the central bank issues a fixed interest rate indefinite master digital currency or issues a floating interest rate master digital currency, or issues a fixed or floating interest rate master digital currency with a term.

A transaction method based on the blockchain, comprising the following steps:

1) the user borrows or purchases the number N of the main right digital currency with the denomination A, and the flow is as follows:

(1) firstly, a user carries identity authentication information and funds for purchasing related digital currency of the main authority or other information to a central row, and a new block chain is constructed by a generation block used by the central row, the identity information of the user and the interest rate negotiated by the user or the autonomously determined interest rate; the identity authentication information comprises at least one of identity certificates, identification certificates and identification authentication information;

(2) and then transmitted to the associated user over a secure network, while the central row registers with the user' S identity information the associated database of the central row of information that the user owns the associated master digital currency and transmits to the user over a secure network, which the user receives via the associated security device the blockchain and stores to the device, preferably using T L S encrypted communications.

(3) Repeating the above process N times, the user having the associated asset, after which the user has stored the associated blockchain information on the security device while the central row also has registered and stored a database of the central row of associated blockchain information;

the total number of the main right digital currencies is consistent, but the combination of the denomination and the number of the main right digital currencies is variable except for contractual agreement between the central row and the user;

2) the asset transfer between users comprises the following 3 transfer modes:

transfer mode 1: the first transfers the owned digital currency to the second, and the second accepts the digital currency of the right settled at the center, the process is:

(1) the first is to transmit the main-right digital currency with the number M and the denomination A1 to the second, and for a main-right digital currency process, the first transmits a block chain representing the main-right digital currency and the identity information of the second to the central row, wherein the block chain comprises the digital identifier of the first; the central row settles the current price of the digital master currency through the issue date and the current date of the digital master currency and the interest rate of the digital master currency, and the central row constructs a new block chain according to the current price, the digital identifications of the first and the second persons, the digital identifications of the owners and the interest rate information of the owners; for the blockchain sent to b in the central row, the central row should keep the information that b owns this primary digital currency to the relevant database;

(2) secondly, searching a communication mode of a second group through a related database, sending the constructed new block chain to the second group, confirming to receive related information through a secure network and storing the related information to related equipment;

(3) the above process is repeated for M times, and the combination of the denomination and the number of the transferred assets between the first and second assets is variable;

transfer mode 2: a, transferring a certain amount of owner digital money to B, and paying the owner digital money to B by the central bank, wherein the owner digital money is settled into funds with the same value as the owner digital money to be transferred by the first, and the payment method of the funds needs to be supported by the central bank;

transfer mode 3: a, transferring a part of a certain digital currency with ownership to B, wherein the process is as follows:

(1) firstly, a blockchain representing a master digital currency and identity information of a second party and money to be transferred are sent to a central party through a security network, and the central party settles the current price of the master digital currency through an issue date and a current date and the interest rate of the master digital currency;

(1.1) if the present price is equal to or more than the amount to be rolled out, the central row subtracts the amount to be rolled out from the calculated present price to obtain a difference price, the difference price can be decomposed into N2 new combinations of L main right digital currencies plus cash W, the central row can select a combination mode to construct L block chains of main right digital currencies representing the difference price according to the interest rate of the first to be sent to the first in sequence through the security network, and the related block chain information is registered to the related database, and cash W is sent to the related account of the first.

(1.2) if the present price is less than the amount to be paid out, the central row should inform the first through a secure network that the transfer failed and return the associated digital money to the first;

in the process, the central row records the transfer information of the related digital currency and the related cash to a related database;

3) the process of recovering the digital currency with the main right comprises the following steps:

the user sends a block chain representing a certain amount of digital currency of the main right to a central row through a security network, and the central row settles cash according to the interest rate information of the digital currency of the main right and prints the cash on an account of the user;

the transfer mode 2 of asset transfer between users is also a mode of rights digital currency recycling at the central row.

Further, in (1.1) of the transfer mode 3, the amount to be transferred can be decomposed into N3 new combinations of L1 main right digital currencies and cash W1, the central row selects a combination mode to construct a block chain of L1 main right digital currencies representing the amount to be transferred according to the interest rate of the second, and sends the block chain information to the second through a security network, and registers the related block chain information to a related database, and beats the cash W1 to a related account of the second, and the central row and the first and second rows are transferred through contracts.

Further, in (1.2) of the transfer mode 3, the central row selects the combination with the smallest W1 from the N3 combinations.

Further, in the conversion mode 1, if the data amount of the blockchain calculated by the central row exceeds the threshold, the central row intercepts several times of transfer information according to the time sequence before constructing a new blockchain to construct the new blockchain, but the central row retains the information before the blockchain to the related database of the central row for review; the transaction information to be saved is determined by referring to the relevant laws, administrative laws and regulations and the regulations of departments.

Further, the user purchases or borrows the main right digital money issued by the central row, and the user purchases the relevant main right digital money after converting to the cash of the local country of the central row with reference to the international exchange rate market in all transactions if the main right digital money of the central row is not purchased by the currency of the country of the central row, and the cash returned to all users by the central row is defaulted to the currency of the country of the central row, except for the contract agreement between the central row and the user.

Specifically, if in the main digital currency of which the user borrows or purchases the amount of N and the denomination of a or in the transfer of assets between users, if the currency B used by the user is not issued by the central bank AA, the AA has the right to decide whether the national currency can be accepted or not, if not, the AA rejects any transaction behavior of the user, if the AA accepts the currency B, the AA refers to the relevant international exchange rate market and determines the interest rate of the main digital currency before proceeding with the transaction;

if the identity information submitted by the user is not approved by the AA, the AA has the right to reject any transaction behavior of the user;

if the user borrows or purchases the number N and the denomination A of the digital money or the assets transfer among the users, aiming at foreign users, the identity information and the currency type submitted by the user are approved by AA, but the transaction action is required to be completed within the range set by a foreign currency regulatory agency; the situations that the foreign exchange regulatory agencies need to exclude include:

(1) the mastership digital currency of the user attempting to purchase the AA exceeds the purchase upper limit of all foreign users set by the regulatory body of the country where the AA is located;

(2) the main right digital currency of the AA attempted to be purchased by the user exceeds the purchase upper limit set by the regulatory agency of the country where the AA is located for the country where the user is located;

(3) the mastership digital currency of a user attempting to purchase an AA exceeds the purchase upper limit set by the regulatory body in the country in which the AA is located for that user.

Compared with the prior art, the invention has the following remarkable advantages: 1. the brand new block chain provided by the invention can intercept the latest transaction information for a plurality of times for a certain overlarge block chain and well solve the problem of overlarge data volume of the traditional block chain because of the central row. 2. Because the user must submit identity information, the central bank can comprehensively monitor transaction behaviors, the problem that account monitoring is difficult by the traditional block chain technology is well solved, and meanwhile, a foreign exchange monitoring mechanism can also comprehensively monitor all users.

Drawings

FIG. 1 is a diagram of a central bank issuing a principal digital currency;

FIG. 2 is a process of a user A sending a principal digital currency to a user B after the principal bank issues the principal digital currency;

FIG. 3 is a process of a user A sending a principal digital currency to a user B after a principal bank issues the principal digital currency;

FIG. 4 is a process of a user A transferring a portion of a certain primary digital currency to a user B after a central bank issues the primary digital currency;

figure 5 is a process of the central line recycling the digital currency of the issuing authority.

Detailed Description

A block chain of created blocks always constructed by the central row or authority;

for the digital currency of the main authority: the central bank or the authority constructs a plurality of created blocks, each created block represents a certain amount of digital currency with the main right, wherein each created block represents digital currency with a certain denomination, for example, the central bank can issue 5000 yuan, 2000 yuan, 500 yuan and so on with the size of the issued denomination and the decision right of the amount of the digital currency with the main right of each denomination in the central bank, the central bank can negotiate the interest rate of the related digital currency with the trading party, and the interest rate of the related digital currency with the main right can be determined autonomously.

In the invention, the digital identification refers to the identity information of the user. In the financial distributed ledger system, the identity may be identified digitally (referred to as digital identification for short) (see, for example, JR/T0184 and 2020 of technical security specification of financial distributed ledger).

Information that a user carries with the authentication of the central bank includes but is not limited to (identity certificate, identification authentication information, digital identification of transaction object see in particular JR/T0184-.

The invention considers that the user carries own identity voucher, identification voucher and identification authentication information to enable a central bank or authority to identify the real identity of the user, and the digital identification of a transaction object carried by the user can enable the central bank or other authorities to clearly identify who the transaction object is. Such a representation of the present invention is only an embodiment, and all other similar information that enables a central row or authority to identify a user or a central row to whom a transaction is intended should be within the scope of the present invention as long as the processes of generating, transferring, logging out, etc. of the digital money according to the present invention are concerned.

For convenience of explanation, the present invention considers that the central bank is qualified to issue the digital currency, so the present invention uses the central bank as the main body for issuing the digital currency, but does not exclude other authorities having the right to issue the digital currency, and the issuing of the digital currency by other authorities should be within the protection scope of the present invention as long as the generation, transfer, cancellation and other processes of the digital currency are consistent with the present invention.

1) The user borrows or purchases a certain amount (denoted as N) of the digital money with the main right and the denomination A

The procedure for borrowing or purchasing a certain amount (marked as N) of a main-right digital currency with a denomination a is that, for a main-right digital currency, a user first carries authentication information of the user and purchases capital or other information of related main-right digital currency to a central line, the central line constructs a new block chain by using a certain created block plus identity information (including unlimited digital identifiers) of the user, and interest rates negotiated with the user or autonomously determined interest rates, and then receives the new block chain through a secure network (for example, in the process of transmitting the new block chain, the central line needs T L S (Transport L a layer Security) encryption communication technology to ensure Security of data transmission, and T L S encryption communication is a perfect combination of asymmetric encryption technology and symmetric encryption technology, both central line and central line use asymmetric encryption technology to negotiate a symmetric key, and use the generated symmetric key as a working key to complete data decryption, so that both central line and central line use the generated symmetric key to transmit the Security key to a user, and the user can store the related data in a random number of the main-right digital currency, such as a user purchases a currency, and a currency related to store a number of a currency related to a user who can be purchased by using a group, and a currency, such as a currency, and a currency, such as a currency, and a user who has a currency, and has a user who has a currency, and has a user who has a currency, and has a user who has.

2) Asset transfer between users

The first transfer mode: the first transfers a certain amount of owner digital money to the second, which accepts the owner digital money settled at the central bank.

The scheme is as follows: if a first owns a certain amount of primary digital currency, the first transfers to b a certain amount (denoted M) of primary digital currency with a denomination a1, for a primary digital currency process, first sends a block chain representing this primary digital currency (the block chain should already contain the digital identification of a) and identity information of b (containing a digital identification not restricted to b) to a central row, which settles the present price of the primary digital currency by the date and current date of issuance of the primary digital currency and the interest rate of the primary digital currency, the central row constructs a new block chain based on the present price and the digital identification of a and b and the digital identification of the owner (where b is the recipient should be the owner) and the interest rate information of the owner, where the central row, if the central row calculates that the block chain data amount is too large, may construct a new block chain based on the most recent secondary transfer information chronologically intercepted before constructing the new block chain, but the central row should keep the information before the blockchain to the relevant database at the central row for review, where how long the blockchain needs to keep the transaction information should refer to the regulations of relevant laws, administrative laws and regulations, and the central row should keep the information that the second has the master digital money to the relevant database for the blockchain that the central row sends to the second. And then the central row searches the communication mode of the second group through a related database, sends the constructed new block chain to the second group, confirms that the related information is received through a secure network and stores the related information to related equipment, and the process is repeated for M times. Of course, the denomination and number of assets transferred between A and B can be flexibly combined.

The second transfer mode: the invention introduces a specific flow of cash transfer, and other payment methods can be used as long as the value of the owner digital money is equal to that of the owner digital money to be transferred by the first, but the payment method needs support by the central bank.

If a first transfers a portion of a primary digital currency to a second, the process is that first the first transfers a block chain representing a primary digital currency and identity information (including but not limited to identification numbers) of the second and the amount to be transferred to the central bank over a secure network, the central bank settles the present price of the primary digital currency by the date of issuance and the current date and interest rate of the primary digital currency, if the present price is greater than or equal to the amount to be transferred, the central bank subtracts the amount to be transferred from the calculated present price to obtain a difference, the difference may be broken down into a new number of N2 (L) primary digital currencies plus cash W combinations, the central bank may select a combination to create L blocks of primary digital currencies representing the difference from the central interest rate, the block chains of primary digital currencies are sequentially transferred to the first over a secure network, and register related block chain information to a related database, and a related block chain of cash to a related account is registered to the second via a related block chain L, a related combination of secondary digital currencies, a corresponding combination of money is also created from the second to the second bank via a related block chain of money via a contract, the second bank via a related block chain, the second bank via a related combination of money, the second bank via a related block chain of money, the second bank via a related account via a cash transfer station, a related station, a cash station, a station.

In the above process, the central row should record the transfer information of the relevant digital money of the main right and the relevant cash to the relevant database.

If the present price is less than the amount to be paid out, the central row should inform the first over a secure network that the transfer failed and return the associated digital money to the first.

3) Authority digital currency recycling

The central column has the right to decide whether to recycle the primary digital currency. The process comprises the following steps:

the user sends a blockchain representing a quantity of digital money from the owner to the central row via the secure network, and the central row settles out cash based on interest rate information for the digital money from the owner and deposits the cash on the user's account.

The second mode of asset transfer between users is also the central line of recycling of the digital money on the main rights.

In the above process, the user is a collection of attributes of entities such as a natural person and a legal person. Nature also includes commercial banks, financial institutions, institutional enterprises and institutions, natural persons, and the like. The identity information of the user needs to be verified and if the identity information is incorrect or the user is restricted by legal or departmental regulations, the central office should refuse the user to take any of the transaction activities described in the present invention.

Regarding the interest rate of the digital currency issued by the central bank, the central bank may negotiate with the user to determine, may issue a fixed interest rate indefinite-term digital currency or issue a floating interest rate digital currency, or issue a fixed or floating interest rate digital currency within a certain period (for example, 3-year digital currency of the main right, that is, since the date of issuance, the interest rate is calculated by the central bank within 3 years, and after 3 years, the main right digital currency has no interest rate, which may be similar to the national debt issued at present, and the general current price calculation mode may refer to the national debt calculation mode). In general, interest rates of the principal digital currency issued by the central row can be flexibly determined.

And the user purchases or borrows the main right digital currency issued by the central row, if the user purchases the main right digital currency of the central row in all transactions of the invention by using the currency of the country of the central row, the central row can purchase the relevant main right digital currency after converting into the currency of the country of the central row by referring to the international exchange rate market, and the cash returned to all users by the central row is generally the currency of the country of the central row by default, except for the contract arrangement of the central row and the user.

In the transaction process, the brand new block chain provided by the invention can intercept transaction information of a plurality of times for an overlarge block chain at the central row and well solve the problem that the data volume of the traditional block chain is overlarge.

If in the event that a user borrows or purchases a certain amount (denoted N) of a denomination a of prime digital currency or an asset transfer between users, if the currency used by the user (denoted B) is not issued by the central bank (denoted AA), here first the AA should have the right to decide whether or not it can accept the national currency, if it cannot, the AA should reject any of the transactions described in the present invention, if the AA can accept the currency B, the AA should consult the relevant international exchange rate market and determine the interest rate of the prime digital currency before proceeding with the transaction. Here if the identity information (i.e. the digital identifier) submitted by the user is not recognised by the AA, the AA is entitled to reject any transaction activity described herein. Including but not limited to the following: the user is a foreign user, and the user information submitted by the user is the foreign identity number of the country in which the AA is located and restricted by law.

If a user borrows or purchases a certain amount (marked as N) of the mastership digital currency with the denomination of A or the assets are transferred between users, the identity information and currency type submitted by the user are approved by AA for foreign users, but any transaction behavior described in the invention can be completed within the scope set by the foreign currency regulatory agency. The requirement of the foreign exchange regulatory body to exclude the following situations includes but is not limited to:

1) the user attempts to purchase the AA in a mastership digital currency that exceeds the purchase limits of all foreign users set by regulatory bodies in the country in which the AA is located.

2) The user attempts to purchase AA in a digital currency with mastership beyond the upper purchase limit set by the regulatory body for the country in which the AA is located.

3) The mastership digital currency of the user attempting to purchase the AA exceeds the purchase upper limit set by the regulatory body in the country in which the AA is located for the user.

Because the user must submit identity information, the central bank can comprehensively monitor transaction behaviors, the problem that account monitoring is difficult by the traditional block chain technology is well solved, and meanwhile, a foreign exchange monitoring mechanism can also comprehensively monitor all users.

The technical solution of the present invention will be further described in detail with reference to the following examples and accompanying drawings.

Figure 1 shows a diagram of a central bank issuing a digital currency of a principal right. The method mainly describes how the central bank issues the digital money of the main right. The method comprises the following steps:

step S301: the genesis block construction system of the central row generates a number of genesis blocks representing a certain denomination. In the process, a genesis area block of the central row constructs a system, constructs a plurality of main-right digital currencies which represent certain denominations, and the denominations of the main-right digital currencies are determined by the central row;

step S302: the user first gives the user's identity certificate, identification authentication information and funds for purchasing the relevant digital money for ownership (the remittance of the funds may include cash transfer, etc.) or other information (if borrowing, mortgage information, etc.) to the central bank;

step S303: according to the information carried by the user, the central bank firstly performs an identity authentication process, after the identity authentication of the user, the identification credential and the identification authentication information are verified to be correct, the verification of a supervision authority and foreign exchange management is also performed, and the identity authentication of the user is not required to pass through the following situations:

the user account is judiciously frozen; the authorized digital currency to be purchased by the user exceeds the credit limit managed by the foreign exchange; the currency of the cash used by the user to purchase the digital currency of the main authority is not approved by the central row;

it is specifically noted that, regardless of whether the user is a domestic user or a foreign user, the obtaining of the user identification credential, the obtaining of the identification credential and the identification authentication information should conform to the relevant national standards. The invention will not be described in detail. After the user identity authentication fails, the following process is not executed, and the specific abnormal process processing is out of the scope of the invention. It should be noted that if the cash used by the user is of a currency recognized by the central row but not in the country, the conversion should be referenced to the relevant international exchange rate market.

Step S304: after the identity of the user is successfully identified, the central row finds the digital identification of the user through the voucher, and constructs a plurality of new block chains according to the information, wherein the block chains represent the related assets of the user;

step S305: storing the information representing the user to own the related assets into a related database, namely registering the user to own the related assets, wherein the assets are in a block chain mode;

step S306: the central bank finds out the communication mode of the related user through the identity voucher, the identification voucher and the identification authentication information carried by the user, and sends the related block chain to the user through a secure network;

step S307: and the user receives the related block chain and stores the related block chain into the safety equipment. I.e., the user is in possession of the associated blockchain asset.

Figure 2 shows a process in which a user a sends one of his home digital currencies to a user b after the central bank has issued the home digital currency, and the user b accepts the home digital currency that has been settled at the central bank. If the first transfers a plurality of equal-denomination digital currencies to the second, the process is repeated, if the first transfers the equal-denomination digital currencies to the second, the first selects the other-denomination digital currencies at the time of sending, and the other processes are consistent. The method comprises the following steps:

step S401: a sends the block chain representing the digital currency of the main authority, the digital mark of B and the identity certificate of A, mark certificate, mark authentication information to the central row;

step S402: according to the information carried by the user, the central bank firstly performs an identity authentication process, after the identity authentication of the user, the identification credential and the identification authentication information are verified to be correct, the verification of a supervision authority and foreign exchange management is also performed, and the identity authentication of the user is not required to pass through the following situations:

the user account is judiciously frozen; the authorized digital currency to be purchased by the user exceeds the credit limit managed by the foreign exchange;

the identities of the first person and the second person need to be authenticated, and the subsequent processes are not executed as long as one party fails to authenticate.

It is specifically noted that, regardless of whether the user is a domestic user or a foreign user, the obtaining of the user identification credential, the obtaining of the identification credential and the identification authentication information should conform to the relevant national standards. The invention will not be described in detail. After the user identity authentication fails, the subsequent process is not executed any more, and the specific abnormal process processing is not in the range set forth by the invention;

step S403: if the block chain data amount is not large, the central row settles the current price of the digital master currency through the issue date and the current date and the interest rate of the digital master currency, and the central row constructs a new block chain according to the current price, the digital identification of the first and second persons, the digital identification of the owner (the second person is the owner) and the interest rate information of the owner;

step S404: if the block chain data size is large, the central row intercepts a part of the latest transfer information, then the central row settles the present price of the digital money by the issue date and the current date and the interest rate of the digital money, and the central row constructs a new block chain according to the present price, the digital identification of the first and second persons, the digital identification of the owner (here, the second person should be the owner), the interest rate information of the owner and the intercepted transfer information;

step S405: the central row keeps the transfer information before interception to a relevant database for review;

step S406: the central row stores the information of the main right digital currency owned by the second person into a related database, and then the central row finds out the communication mode of the second person according to the digital identification of the second person;

step S407: the newly generated blockchain of the central row is sent to the second row through the secure network;

step S408: the user B accepts the block chain, namely the user B already owns the master digital currency;

figure 3 shows a user a sending his one of the digital master currencies to b after the central bank has issued the digital master currency, and the user b receiving the cash settled at the central bank. If the first transfers a plurality of equal-denomination digital currencies to the second, the process is repeated, if the first transfers the equal-denomination digital currencies to the second, the first selects the other-denomination digital currencies at the time of sending, and the other processes are consistent. The method comprises the following steps:

step S501: a sends the block chain representing the digital currency of the main authority, the digital mark of B and the identity certificate of A, mark certificate, mark authentication information to the central row;

step S502: a synchronization step S402;

step S503: the central bank settles the present price of the digital master currency through the issue date and the current date and the interest rate of the digital master currency;

step S504: the central bank stores all transaction information of the block chain to a related database, and finds out the communication mode of the second bank and the account information of the second bank through the digital identification of the second bank;

step S505: the related cash is paid to the cash account of the second bank by the central bank, and the cash is confirmed to be collected by the second bank;

step S506: and B, confirming collection on the safety device.

Figure 4 shows a process in which a user a wants to transfer a portion of a certain primary digital currency to a user b after a central bank issues the primary digital currency, the method comprising the steps of:

step S601: a sends the block chain representing the digital currency of the main authority, the digital mark of B and the identity certificate of A, the mark certificate, the mark identification information and the amount to be transferred to the central row;

step S602: a synchronization step S402;

step S603: the central bank settles the present price of the digital master currency through the issue date and the current date and the interest rate of the digital master currency;

step S604, if the present price is larger than or equal to the amount to be transferred, the central row subtracts the amount to be transferred from the calculated present price to obtain a difference price, the difference price can be decomposed into N2 new combinations of a plurality of (L) owner digital currencies and cash W, the central row can select a combination mode to construct L block chains of owner digital currencies representing the difference price according to the first interest rate, and register related owner digital currency ownership information in a related database;

step S605, the current price W of the central bank is paid to a cash account of the first bank, and L blockchains representing the difference price are sent to the first bank;

in step S606, the amount to be transferred can be decomposed into N3 new combinations of (L1) master digital currencies and cash W1, the central bank can choose a combination mode to construct L1 blockchains of the master digital currencies representing the amount to be transferred according to the interest rate of B and register ownership information of the relevant master digital currencies in relevant databases;

step S607, the central bank can choose a combination mode to construct L1 blockchains of main right digital currency representing the amount to be transferred according to the interest rate of the second to be sent to the second through the security network and cash W1 is printed to the related account of the second;

step S608: the user B accepts the related block chain, namely the user B already owns the digital currency of the ownership, and meanwhile, the user B also accepts related cash;

step S609: if the current price is less than the amount to be transferred, the current bank sends the digital money of the main right transferred by the first bank to the first bank and informs the transfer failure;

step S610: the user A receives the related block chain and also receives related cash;

the central row should be returned by contractual agreement with the first, and generally, the central row in the N2 combination should be selected to be the combination with the smallest W. The central row should be transferred from Astro to Astro by contractual agreement, and generally, the central row in the N3 combination should be selected to be a combination with the smallest W1.

Figure 5 illustrates the process of central bank recycling of issue-rights digital currency. The method comprises the following steps:

step S701: a sends the block chain representing the digital currency and the ID certificate of A, ID certificate, ID authentication information to the central row;

step S702: a synchronization step S303;

step S703: the central bank settles the present price of the digital master currency through the issue date and the current date and the interest rate of the digital master currency;

step S704: the central row stores all transaction information of the block chain to a related database and logs out the owner information of the digital currency of the ownership;

step S705: the central bank prints the relevant cash to the cash account of the user;

step S706: the user confirms collection of the payment on the security device.

Claims

1. A block chain for always building a created block from a central row or authority, characterized by:

constructing a plurality of created blocks by a central row or an authority, wherein each created block represents a main-right digital currency with a preset denomination, and the size and the number of issued denominations of the main-right digital currency are determined by the central row; the interest rate of the digital currency with the main right is determined by the initiative of the central authorities or by negotiation with a trading party user;

2. A block chain for always central row or authority building a created block according to claim 1, characterized by: the identity information of a user is identified in a digital mode, the information for the user to carry the authentication of the central bank comprises at least one of an identity certificate, an identification certificate, identification authentication information and a digital identification of a transaction object, the identity certificate, the identification certificate and the identification authentication information enable the central bank or an authority to identify the real identity of the user, and the digital identification of the transaction object enables the central bank or other authorities to clearly identify the identity of the transaction object.

3. A block chain for always central row or authority building a created block according to claim 1, characterized by: the central bank issues fixed interest rate indefinite master digital currency or floating interest rate master digital currency, or fixed or floating interest rate master digital currency with a deadline.

4. A transaction method based on the blockchain according to any one of claims 1 to 3, comprising the following steps:

(1) for a dominant digital currency, a user firstly carries identity authentication information and purchases capital of related dominant digital currency or other information to a central row, and a new block chain is constructed by a creative block in the central row, the identity information of the user and the interest rate negotiated by the user or the autonomously determined interest rate; the identity authentication information comprises at least one of identity certificates, identification certificates and identification authentication information;

(2) then sending the information to a related user through a secure network, simultaneously registering a related database of a current row of the information that the user owns the related digital currency of the primary right by using the identity information of the user and sending the information to the user through the secure network, and receiving the block chain by the user through a related security device and storing the block chain to the device;

2) the asset transfer between users comprises the following 3 transfer modes:

(1) the first is to transmit the main-right digital currency with the number M and the denomination A1 to the second, and for a main-right digital currency process, the first transmits a block chain representing the main-right digital currency and the identity information of the second to the central row, wherein the block chain comprises the digital identifier of the first; the central row settles the current price of the digital master currency through the issue date and the current date of the digital master currency and the interest rate of the digital master currency, and the central row constructs a new block chain according to the current price, the digital identifications of the first and the second persons, the digital identifications of the owners and the interest rate information of the owners; for the blockchain sent by the central row to the second, the central row should save the information that the second owns the master digital currency to the relevant database;

(1.1) if the present price is equal to or greater than the amount to be rolled out, the central row subtracts the amount to be rolled out from the calculated present price to obtain a difference price, the difference price can be decomposed into N2 new combinations of several (L) main right digital currencies plus cash W, the central row can select a combination mode to construct L block chains of the main right digital currencies representing the difference according to the interest rate of the first to be sequentially sent to the first through a security network, and the related block chain information is registered to a related database, and cash W is sent to a related account of the first.

5. The transaction method according to claim 4, wherein in (1.1) of the transfer mode 3, the amount to be transferred is divided into N3 new combinations of L1 primary digital currencies plus cash W1, the central row selects a combination to construct a block chain of L1 primary digital currencies representing the amount to be transferred according to the interest rate of B, and sends the block chain information to B via the security network, and registers the block chain information to the related database, and cash W1 is paid to the related account of B, and the central row and A and B pass through a contract transfer mode.

6. The transaction method according to claim 4, wherein: of the (1.2) in the transfer mode 3, the central row selected the smallest combination of W1 among the N3 combinations.

7. The transaction method according to claim 4, wherein: in the conversion mode 1, if the data amount of the blockchain calculated by the central row exceeds a threshold value, the central row intercepts a plurality of times of transfer information according to the time sequence before constructing a new blockchain to construct a new blockchain, but the central row retains the information before the blockchain to the related database of the central row for standby examination; the transaction information to be saved should be determined by referring to the regulations of relevant laws, administrative laws and regulations and departments.

8. The transaction method according to claim 4, wherein said secure network uses T L S for encrypted communication.

9. The transaction method according to claim 4, wherein: the user purchases or borrows the digital money of the main right issued by the central line, and the user purchases the digital money of the main right in all transactions after converting the money of the central line into the money of the country of the central line by referring to the international exchange rate market, and the cash returned by the central line to all users is the money of the country of the central line by default, except for the fact that the central line and the user have a contract agreement.

10. The transaction method according to claim 9, wherein: if in a user borrowing or purchasing a number N, denomination A, of primary digital currency or an inter-user transfer of assets, if the currency B used by the user is not issued by the central line AA, the AA has the right to decide whether the national currency can be accepted, if not, the AA refuses any transaction by the user, if the AA accepts the currency B, the AA refers to the relevant international exchange rate market and determines the interest rate of the primary digital currency before proceeding with the transaction;