CN112669023A

CN112669023A - Method and device for constructing credit coupon system or digital currency system

Info

Publication number: CN112669023A
Application number: CN202110149389.6A
Authority: CN
Inventors: 韩骐键
Original assignee: Triple H Intelligent Control Beijing System Integration Co ltd
Current assignee: Triple H Intelligent Control Beijing System Integration Co ltd
Priority date: 2021-02-03
Filing date: 2021-02-03
Publication date: 2021-04-16

Abstract

The invention relates to a credit coupon system and digital currency. The invention discloses a method and a device for constructing a credit ticket system or a digital currency system, the scheme of the invention adopts a non-encrypted open architecture, the state of the credit ticket or the digital currency is recorded based on a single central account book, all the credit tickets or the digital currencies have lifelong unchangeable unique codes and lifelong unchangeable face values, the information of the credit tickets or the digital currencies on a customer account number is inquired or counted from the central account book, and the structures and the measures fundamentally solve the problem of data consistency of a distributed account book; meanwhile, a hash value announcement chain scheme is provided to solve the data tamper-proofing problem of the credit coupon or the digital currency center book; in addition, a digital currency equivalent change scheme, a payment constraint scheme and the like are added, so that the practicability of the whole scheme is further enhanced; the scheme of the invention provides a more refined credit-based digital currency architecture based on the current information technology capability.

Description

Method and device for constructing credit coupon system or digital currency system

Technical Field

The invention relates to a credit coupon system and digital currency.

Background

In the aspects of the construction and operation of a credit card digitization system and digital currency, the prior art scheme follows the basic elements and processes of manual operation, including that account opening numbers of all customers have respective accounts, and the transaction amount or account balance of the digital credit card or the digital currency is processed and recorded according to a summary or cumulative number. In a manual operation mode, one transaction process relates to multiple links of both transaction parties, an account agent counter and the like, multiple processing documents can be generated and stored, and effective prevention means such as repudiation of transaction behaviors, repeated transaction and the like are provided; in a digital scene, the number of intermediate links is less and less, the transaction process is completed instantly, and repudiation and repeated transaction of transaction behaviors are easy to occur, so that the problems which cannot be avoided in the design and implementation of a digital credit coupon system or a digital currency system are solved; the security of the system can be improved through means such as data encryption and signature, but malicious tampering of respective account book data by transaction parties cannot be solved, so that a consensus mechanism is set in a block chain scheme to ensure data consistency of distributed account books, but the consensus mechanism brings the defects of low operation efficiency, high cost and the like, and the existing credit voucher or currency system cannot be generally popularized or replaced.

Disclosure of Invention

The invention relates to the technical field of information, in particular to a credit coupon system and digital currency. The invention discloses a method and a device for constructing a credit ticket system or a digital currency system, the scheme of the invention adopts a non-encrypted open architecture, the state of the credit ticket or the digital currency is recorded based on a single central account book, all the credit tickets or the digital currencies have lifelong unchangeable unique codes and lifelong unchangeable face values, the information of the credit tickets or the digital currencies on a customer account number is inquired or counted from the central account book, and the structures and the measures fundamentally solve the problem of data consistency of a distributed account book; meanwhile, a hash value announcement chain scheme is provided to solve the data tamper-proofing problem of the credit coupon or the digital currency center book; in addition, a digital currency equivalent change scheme, a payment constraint scheme and the like are added, so that the practicability of the whole scheme is further enhanced; the scheme of the invention provides a more refined credit local position currency framework, an implementation method and a system constructed by devices based on the current information technology capability.

The technical scheme adopted by the invention specifically comprises the following steps:

1. a method for constructing a credit ticket system comprises a credit ticket system, a credit ticket center book, an account opening number of an issuer, account opening numbers of customers and credit tickets with fixed face values and unique codes; the method is characterized in that: the credit note system comprises a credit note center book, wherein data items in each credit note record of the credit note center book comprise a credit note code, a credit note face value and an owner account number; each credit coupon record corresponds to a credit coupon, and each credit coupon has a unique code which is invariable for life and a fixed face value which is invariable for life; any one credit coupon with the fixed face value and the unique code can only have one account opening number in the owner account number data item at the same time; it is characterized by also comprising:

a step of issuing and accounting the credit tickets, which adds the credit tickets newly issued by the credit ticket system to the credit ticket center book, wherein the accounting rule is as follows: each newly added record has to correspond to the credit ticket with a unique code which is invariable in lifetime and a fixed face value which is invariable in lifetime, and the data items written by each newly added record comprise the credit ticket code, the face value of the credit ticket and the account number of the owner;

a credit ticket transaction request processing step, wherein a credit ticket transaction request provided by an acquirer having a credit ticket is received, the credit ticket transaction request comprises an account opening number of the acquirer, a total credit ticket denomination amount required to give a discount and an account opening number of a transaction transferee, and a credit ticket set to be given a discount, of which the owner account number data item content is equal to the account opening number of the acquirer, is matched on a credit ticket center book according to the total credit ticket denomination amount required to give the discount, so that the sum of the denomination amounts of all the credit tickets in the credit ticket set to be given a discount is equal to the total credit ticket denomination amount required to give a discount;

a credit ticket transaction accounting step, namely, on the credit ticket center book, rewriting the primary account numbers recorded in the owner account number data items of all the credit tickets in the matched credit ticket set to be issued into the transaction transferee account number for opening an account;

the above steps including but not limited to the credit ticket issuance accounting, the credit ticket transaction request processing and the credit ticket transaction accounting allow the merging, splitting and/or renaming to be performed again based on the functions as equivalent transformation; the above terms including, but not limited to, the credit instrument system, the credit instrument center book, the credit instrument records, the data items, the issuer account number of the issuer, the client account number of the issuer, the credit instrument code, the face value of the credit instrument, the owner account number, the credit instrument relinquish requestor, the credit instrument transaction request, the total amount of face value of the credit instrument, the transaction transferee account number, the set of credit instruments to be relinquished, and/or the match, allow for renaming based on the functions and definitions or selecting other art-known names or terms as equivalent transformations.

Inquiring, counting and/or summarizing credit ticket information owned by the account opening number of the issuer and the account opening number of each customer from the credit ticket center book according to the account number of the owner; and after the credit voucher is issued and billed, the content of the data item record of the owner account number is an account opening number of the issuer or an account opening number of a credit voucher purchasing client.

2. The method for constructing the credit ticket system is characterized in that: the credit coupon system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the credit ticket transaction request also comprises a transaction request code; the data items recorded in the transaction record table comprise the credit coupon codes, the acquirer account numbers, the owner account numbers, the accounting time, the transaction request codes and the transaction hash values; the data item of each notice record in the hash value notice linked list comprises a notice serial number, the credit coupon code, the accounting time and the transaction hash value, and also comprises a notice hash value of the previous notice record, namely a previous notice hash value and a notice hash value of the current notice record; it is characterized by also comprising:

adding a transaction record in a transaction record table every time a credit record is newly added in a credit record center book or the content of any owner account number data item existing in the credit record is changed, wherein the content of the data item written in the newly added transaction record comprises a credit record code, a relinquisher account number, an owner account number, accounting time and a transaction request code;

a transaction hash value calculation step, namely combining the contents of the credit coupon codes, the account numbers of the exporters, the account numbers of the owners, the accounting time and the transaction request codes in the newly added transaction record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the transaction hash value data item in the newly added transaction record;

a hash value announcement linked list record adding step, wherein when the transaction record table calculates the transaction hash value of a newly added transaction record, an announcement record is newly added to the hash value announcement linked list, and the content of a data item written in the newly added announcement record at this time comprises an announcement serial number, a credit ticket code, accounting time, a transaction hash value and a previous announcement hash value;

an announcement hash value calculation step, namely combining the contents of the announcement serial number, the credit ticket code, the accounting time, the transaction hash value and the data items of the previous announcement hash value in the newly added announcement record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the announcement hash value data items in the newly added announcement record;

the above steps including but not limited to the transaction record table record adding, transaction hash value calculating, hash value announcement linked list record adding and announcement hash value calculating allow merging, splitting and/or renaming to be performed again based on the functions, and are equivalent transformation; terms including, but not limited to, the transaction record table, hash value bulletin linked list, transferee account number, transaction request encoding, transaction hash value, bulletin serial number, pre-bulletin hash value, combination, hash function, input hash function and/or hash value, etc., allow for renaming or selection of other names or terms known in the art as equivalent transformations based on the described functions and definitions.

The content of the transferee account is the content of the owner account data item before the credit coupon record is changed or the content of the transferee account and the transaction request coding data item are both empty when the credit coupon record is newly added; the announcement sequence number is a non-repeated sequence number in the hash value announcement linked list and is used for positioning an announcement record and the sequence relation between the announcement record and the preceding or following announcement record; when the newly added announcement record is the first item in the hash value announcement linked list, the content of the hash value data item of the previous announcement is empty; since there may be highly concurrent transaction records, it is not reasonable to distinguish or look up the records corresponding to transaction requests based only on the billing time, which requires the transaction request code; in order to not disclose specific transaction information in the announcement record and know some most basic information for each party to verify whether the relevant hash value is consistent, it is necessary to know which credit code corresponds to the transaction hash value, and since the same credit code may appear in multiple transaction records, the accounting time is also necessary to finally locate which transaction is which credit code but specific transaction information is not disclosed.

3. A device for constructing a credit ticket system comprises a credit ticket system, a credit ticket center book, an account opening number of an issuer, account opening numbers of customers and credit tickets with fixed face values and unique codes; the method is characterized in that: the credit note system comprises a credit note center book, wherein data items in each credit note record of the credit note center book comprise a credit note code, a credit note face value and an owner account number; each credit coupon record corresponds to a credit coupon, and each credit coupon has a unique code which is invariable for life and a fixed face value which is invariable for life; any one credit coupon with the fixed face value and the unique code can only have one account opening number in the owner account number data item at the same time; it is characterized by also comprising:

the credit instrument issuing and accounting device is used for adding the credit instrument newly issued by the credit instrument system to the credit instrument center book, and the accounting rule is as follows: each newly added record has to correspond to the credit ticket with a unique code which is invariable in lifetime and a fixed face value which is invariable in lifetime, and the data items written by each newly added record comprise the credit ticket code, the face value of the credit ticket and the account number of the owner;

the credit ticket transaction request processing device is used for receiving a credit ticket transaction request provided by a waitingling applicant possessing a credit ticket, wherein the credit ticket transaction request comprises an account opening number of the waitingling applicant, a total credit ticket face value amount required to be waived and an account opening number of a transaction transferee, and a credit ticket set to be waited is matched on a credit ticket center book according to the total credit ticket face value amount required to be waited, wherein the content of an owner account number data item is equal to the account opening number of the waitingling applicant, so that the sum of face values of all credit tickets in the credit ticket set to be waited is equal to the total credit ticket face value amount required to be waited;

the credit ticket transaction accounting device is used for rewriting the primary account numbers recorded in the owner account number data items of all the credit tickets in the matched credit ticket set to be issued into the account numbers opened by the transaction transferee one by one on the credit ticket center book;

each of the above means including but not limited to the credit ticket issuance accounting, the credit ticket transaction request processing and the credit ticket transaction accounting allows the merging, splitting and/or renaming to be performed again based on the functions as equivalent transformation; terms including, but not limited to, the credit instrument system, the credit instrument center book, the issuer account number, the customer's issuer account number, the credit instrument code, the credit instrument face value, the owner account number, the credit instrument waiter, the credit instrument transaction request, the total amount of credit instrument face values, the transaction transferee issuer account number, the set of credit instruments to be waited and/or matched, etc., are allowed to be renamed or selected based on the functions and definitions or other known names or terms in the art, as equivalent transformations.

4. The device for constructing the credit ticket system is characterized in that: the credit coupon system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the credit ticket transaction request also comprises a transaction request code; the data items recorded in the transaction record table comprise the credit coupon codes, the acquirer account numbers, the owner account numbers, the accounting time, the transaction request codes and the transaction hash values; the data item of each notice record in the hash value notice linked list comprises a notice serial number, the credit coupon code, the accounting time and the transaction hash value, and also comprises a notice hash value of the previous notice record, namely a previous notice hash value and a notice hash value of the current notice record; it is characterized by also comprising:

a transaction record table record adding device, configured to add a transaction record in the transaction record table every time a credit record is newly added to the credit-ticket center book or when content of any owner account data item existing in the credit-ticket record is changed, where content of a data item written in the newly added transaction record includes the credit-ticket code, the acquirer account, the owner account, the accounting time, and the transaction request code;

a transaction hash value calculation device, which is used for combining the contents of the credit coupon codes, the acquirer account numbers, the owner account numbers, the accounting time and the transaction request codes in the newly added transaction record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the transaction hash value data item in the newly added transaction record;

a hash value announcement linked list record adding device, configured to add an announcement record to the hash value announcement linked list immediately after the transaction record table calculates the transaction hash value of a newly added transaction record, where content of a data item written in the newly added announcement record includes the announcement sequence number, a credit ticket code, an accounting time, a transaction hash value, and a previous announcement hash value;

the notice hash value calculation device is used for combining the contents of the notice serial number, the credit ticket code, the accounting time, the transaction hash value and the data items of the prior notice hash value in the newly added notice record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the notice hash value data items in the newly added notice record;

the above devices including but not limited to the transaction record table record adding, transaction hash value calculating, hash value announcement linked list record adding and announcement hash value calculating, etc. allow the merging, splitting and/or renaming to be performed again based on the functions, and are equivalent transformation; terms including, but not limited to, the transaction record table, hash value bulletin linked list, transferee account number, transaction request encoding, transaction hash value, bulletin serial number, pre-bulletin hash value, combination, hash function, input hash function and/or hash value, etc., allow for renaming or selection of other names or terms known in the art as equivalent transformations based on the described functions and definitions.

5. A method for constructing a digital currency system comprises a digital currency system, a digital currency center account book, account opening numbers of an issuer and each customer, and digital currency with fixed face value and unique code; the method is characterized in that: the digital currency system comprises a digital currency center ledger, wherein data items in each digital currency record of the digital currency center ledger comprise a digital currency code, a digital currency denomination and an owner account number; each digital currency record corresponds to a digital currency, and each digital currency has a lifetime-invariant unique code and a lifetime-invariant fixed face value; any one of the fixed denominations and uniquely coded digital currencies may have only one of the account opening accounts in the owner account data entry at the same time; it is characterized by also comprising:

a digital currency issuing and accounting step, wherein the digital currency newly issued by the digital currency system is added to the digital currency center book, and accounting rules are as follows: each newly added record must correspond to the digital currency with a unique lifelong-invariant code and a fixed face value, and the data items written by each newly added record comprise the digital currency code, the face value of the digital currency and the account number of the owner;

a digital money transfer request processing step, wherein a digital money transfer transaction request provided by a transfer applicant possessing digital money is received, the digital money transfer transaction request comprises an account number of an account opening of the transfer applicant, a total amount of digital money denomination value requested to be transferred and an account number of a payee opening, and a to-be-transferred digital money set with owner account number data item content equal to the account number of the account opening of the transfer applicant is matched on a digital money center account according to the total amount of the digital currency denomination value requested to be transferred, so that the sum of the denomination values of all digital currencies in the to-be-transferred digital money set is equal to the total amount of the digital currency denomination value requested to be transferred;

a digital money transfer transaction accounting step, namely, on the digital money center book, rewriting the primary account numbers recorded in the owner account number data items of all digital money in the matched digital money set to be transferred into the account number opened by the payee one by one;

the above steps, including but not limited to the digital money issuance accounting, digital money transfer request processing, and digital money transfer transaction accounting, allow for re-merging, splitting, and/or renaming based on the functionality, as an equivalent transformation; each term above, including but not limited to the digital currency, digital currency system, digital currency center book, digital currency records, data items, issuer account number, customer account number, digital currency code, digital currency denomination, owner account number, digital money transfer applicant, digital money transfer transaction request, digital currency denomination total, payee account number, digital currency set to be transferred, and/or matching, allows for renaming or selecting other art-recognized names or terms based on the function and definition, as an equivalent transformation.

Inquiring, counting and/or summarizing the digital currency information owned by the account opening number of the issuer and the account opening number of each customer from the digital currency center book according to the account number of the owner; and after the digital currency is issued and billed, the content of the owner account data item record is an account opening of the issuer or an account opening of a digital currency owning customer.

6. The method for constructing a digital currency system is characterized in that: the digital currency system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the digital money transfer transaction request further includes a transaction request code; data items recorded in the transaction record table include the digital currency code, account number of the transfer person, account number of the owner, accounting time, the transaction request code and transaction hash value; the data item of each announcement record in the hash value announcement linked list comprises an announcement serial number, the digital currency code, the accounting time and the transaction hash value, and the announcement hash value of the previous announcement record is called as a previous announcement hash value and an announcement hash value of the current announcement record; it is characterized by also comprising:

a transaction record table record adding step, wherein a transaction record is added in the transaction record table every time a digital currency record is newly added in the digital currency center book or the content of any owner account number data item existing in the digital currency record is changed, and the content of the data item written in the newly added transaction record comprises the digital currency code, the account number of the account transfer person, the account number of the owner, the accounting time and the transaction request code;

a transaction hash value calculation step, namely combining the contents of the digital currency code, account number of the account transfer person, account number of the owner, accounting time and transaction request code in the newly added transaction record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the transaction hash value data item in the newly added transaction record;

a hash value announcement linked list record adding step, wherein when the transaction record table calculates the transaction hash value of a newly added transaction record, an announcement record is newly added to the hash value announcement linked list, and the content of a data item written in the newly added announcement record at this time comprises an announcement serial number, a digital currency code, accounting time, a transaction hash value and a previous announcement hash value;

an announcement hash value calculation step, namely combining the contents of the announcement serial number, the digital currency code, the accounting time, the transaction hash value and the data items of the previous announcement hash value in the newly added announcement record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the announcement hash value data items in the newly added announcement record;

the above steps including but not limited to the transaction record table record adding, transaction hash value calculating, hash value announcement linked list record adding and announcement hash value calculating allow merging, splitting and/or renaming to be performed again based on the functions, and are equivalent transformation; terms above, including but not limited to the transaction record table, hash value posting chain table, account number of transferor, transaction request encoding, transaction hash value, posting serial number, pre-posting hash value, combination, hash function, input hash function and/or hash value, allow for renaming or selection of other names or terms known in the art as equivalent transformations based on the functions and definitions described.

The account number data item content of the account number newly added with the transaction record in the transaction record table is the content of the account number data item of the owner before the digital currency record is changed, or when the digital currency record is newly added, the account number of; the announcement sequence number is a non-repeated sequence number in the hash value announcement linked list and is used for positioning an announcement record and the sequence relation between the announcement record and the preceding or following announcement record; when the newly added announcement record is the first item in the hash value announcement linked list, the content of the hash value data item of the previous announcement is empty; since there may be highly concurrent transaction records, it is not reasonable to distinguish or look up the records corresponding to transaction requests based only on the billing time, which requires the transaction request code; in order to not disclose specific transaction information in the announcement record and also know some most basic information for each party to verify whether the relevant hash values are consistent, it is necessary to know which digital currency code corresponds to the transaction hash value, and since the same digital currency code may appear in multiple transaction records, the accounting time is also required to finally locate which transaction is which digital currency code and specific transaction information is not disclosed.

7. Said method of constructing a digital money system, or said digital money system further comprising said disclosed one-way hash function, a transaction record table and a hash value advertisement linked list; it is characterized by also comprising:

an equivalence exchange step of receiving an equivalence exchange request provided by a digital currency owner, wherein the equivalence exchange request comprises: the transaction request code of the equivalent exchange, the digital currency code to be exchanged, the face value of the digital currency to be exchanged and the digital currency quantity or the total amount of the face value under the face value; summarizing the total amount of the face value to be exchanged corresponding to all the digital currency codes to be exchanged; matching in the digital currency center book that the content of the owner account number data item is equal to the account number of the issuer, and the denominations and the number thereof of the digital currencies correspond to the denominations of all the digital currencies to be converted in and the number or the total denomination thereof under the denominations, and the matched digital currencies are called a converted digital currency set, so that the sum of the denominations of all the digital currencies in the converted digital currency set is equal to the total denomination to be converted; rewriting the content of the owner account data items in the digital currency codes to be exchanged into account opening accounts of the issuer one by one, and simultaneously rewriting the content of the owner account data items in the exchanged digital currency set into account opening accounts of the digital currency owners who provide the equivalent exchange requests one by one;

the above, including but not limited to the equivalence redemption steps, allow for re-merging, splitting, and/or renaming based on the functionality, as an equivalent transformation; terms above, including but not limited to the equivalence exchange, the equivalence exchange request, the digital currency code to be exchanged, the denomination total to be exchanged, the denomination of the digital currency to be exchanged and its number or denomination total under that denomination, the collection of digital currencies being exchanged, the issuer's account number and/or the digital currency owner's account number, allow for renaming or other art-recognized names or terms to be selected for conversion to equivalents based on the functionality and definitions.

The digital currency code to be converted comprises one or more than one; the digital currency face value to be converted comprises one or more than one.

8. The method for constructing the digital currency system further comprises the equivalent exchange step, or the digital currency system further comprises a public one-way hash function, a transaction record table, a hash value notice linked list and the equivalent exchange step; it is characterized by also comprising: the data item of each digital currency record in the digital currency center ledger also comprises constraint information; the data item of each transaction record in the transaction record table further comprises the constraint information; the constraint information comprises at least one of payee account opening constraint information, purchased goods constraint information and time constraint information; in the step of processing the digital money transfer request, when the digital money to be transferred is matched on the digital money center book but does not enter a digital money set to be transferred, entering a substep of checking constraint information, and further checking whether the content of the data item of the constraint information of the digital money to be transferred allows the digital money to be paid, if so, entering the digital money set to be transferred, and if not, giving up the digital money and continuously matching other digital money; it is characterized by also comprising:

checking constraint information sub-step, checking whether the content of the constraint information data item of the input digital currency to be transferred allows the digital currency to be paid, and outputting permission or non-permission;

the above sub-steps, including but not limited to the ping constraint information, allow for re-merging, splitting and/or renaming based on the functionality, as an equivalent transformation; the terms above, including but not limited to the constraint information, account number opening constraint information, goods procurement constraint information, time constraint information, matched out, digital currency set to be transferred, whether digital currency is allowed to be paid and/or not allowed to be discarded, allow for renaming based on the function and definition or for other names or terms known in the art, as equivalent transformations.

9. A device for constructing a digital currency system comprises a digital currency system, a digital currency center account book, account opening numbers of an issuer and each customer, and digital currency with fixed face value and unique code; the method is characterized in that: the digital currency system comprises a digital currency center ledger, wherein data items in each digital currency record of the digital currency center ledger comprise a digital currency code, a digital currency denomination and an owner account number; each digital currency record corresponds to a digital currency, and each digital currency has a lifetime-invariant unique code and a lifetime-invariant fixed face value; any one of the fixed denominations and uniquely coded digital currencies may have only one of the account opening accounts in the owner account data entry at the same time; it is characterized by also comprising:

the digital currency issuing and accounting device is used for adding the digital currency newly issued by the digital currency system to the digital currency center book, and accounting rules are as follows: each newly added record must correspond to the digital currency with a unique lifelong-invariant code and a fixed face value, and the data items written by each newly added record comprise the digital currency code, the face value of the digital currency and the account number of the owner;

the digital money transfer request processing device is used for receiving a digital money transfer transaction request provided by a transfer applicant possessing digital money, wherein the digital money transfer transaction request comprises an account opening number of the transfer applicant, a total amount of digital money denomination value requested to be transferred and an account opening number of a receiving party, and a to-be-transferred digital money set of which the owner account number data item content is equal to the account opening number of the transfer applicant is matched on a digital money center account according to the total amount of the digital currency denomination value requested to be transferred, so that the sum of the denomination values of all digital currencies in the to-be-transferred digital money set is equal to the total amount of the digital denomination value requested to be transferred;

the digital money transfer transaction accounting device is used for rewriting original account numbers recorded in the owner account number data items of all the matched digital money to be transferred into the account number opened by the payee one by one on the digital money center book;

each of the above means, including but not limited to the digital money issuance accounting, digital money transfer request processing and digital money transfer transaction accounting, allow for re-merging, splitting and/or renaming based on the functionality, as an equivalent transformation; the terms above, including but not limited to, the digital currency, digital currency system, digital currency center book, issuer account number, customer account number, digital currency code, digital currency denomination, owner account number, digital money transfer requester, digital money transfer transaction request, digital currency denomination total, payee account number, to-be-transferred digital currency set and/or match, allow for renaming or selecting other art-recognized names or terms based on the functions and definitions, as an equivalent transformation.

Inquiring, counting and/or summarizing the digital currency information owned by the account opening number of the issuer and the account opening number of each customer from the digital currency center book according to the account number of the owner; and after the digital currency is issued and billed, the content of the owner account data item record is an account opening of the issuer or an account opening of a digital currency purchasing client.

10. The apparatus for constructing a digital money system, characterized in that: the digital currency system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the digital money transfer transaction request further includes a transaction request code; data items recorded in the transaction record table include the digital currency code, account number of the transfer person, account number of the owner, accounting time, the transaction request code and transaction hash value; the data item of each announcement record in the hash value announcement linked list comprises an announcement serial number, the digital currency code, the accounting time and the transaction hash value, and the announcement hash value of the previous announcement record is called as a previous announcement hash value and an announcement hash value of the current announcement record; it is characterized by also comprising:

a transaction record table record adding device, configured to add a new transaction record in the transaction record table every time a digital currency record is newly added to the digital currency center book or any content of an owner account data item existing in the digital currency record is changed, where content of a data item written in the newly added transaction record includes the digital currency code, the account number of the account transfer person, the account number of the owner, the accounting time, and the transaction request code;

a transaction hash value calculation device, which is used for combining the contents of the digital currency code, account number of the transfer person, account number of the owner, accounting time and transaction request code in the newly added transaction record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the transaction hash value data item in the newly added transaction record;

a hash value announcement linked list record adding device, configured to add an announcement record to the hash value announcement linked list immediately after the transaction record table calculates the transaction hash value of a newly added transaction record, where content of a data item written in the newly added announcement record includes the announcement sequence number, a digital currency code, an accounting time, a transaction hash value, and a previous announcement hash value;

the notice hash value calculation device is used for combining the contents of the notice serial number, the digital currency code, the accounting time, the transaction hash value and the data items of the prior notice hash value in the newly added notice record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the notice hash value data items in the newly added notice record;

the above devices including but not limited to the transaction record table record adding, transaction hash value calculating, hash value announcement linked list record adding and announcement hash value calculating, etc. allow the merging, splitting and/or renaming to be performed again based on the functions, and are equivalent transformation; terms above, including but not limited to the transaction record table, hash value posting chain table, account number of transferor, transaction request encoding, transaction hash value, posting serial number, pre-posting hash value, combination, hash function, input hash function and/or hash value, allow for renaming or selection of other names or terms known in the art as equivalent transformations based on the functions and definitions described.

11. Said one apparatus for constructing a digital money system, or said digital money system further comprising said public one-way hash function, a transaction record table and a hash value announcement linked list; it is characterized by also comprising:

an equivalence exchange device for receiving an equivalence exchange request submitted by a digital currency owner, the equivalence exchange request comprising: the transaction request code of the equivalent exchange, the digital currency code to be exchanged, the face value of the digital currency to be exchanged and the digital currency quantity or the total amount of the face value under the face value; summarizing the total amount of the face value to be exchanged corresponding to all the digital currency codes to be exchanged; matching in the digital currency center book that the content of the owner account number data item is equal to the account number of the issuer, and the denominations and the number thereof of the digital currencies correspond to the denominations of all the digital currencies to be converted in and the number or the total denomination thereof under the denominations, and the matched digital currencies are called a converted digital currency set, so that the sum of the denominations of all the digital currencies in the converted digital currency set is equal to the total denomination to be converted; rewriting the content of the owner account data items in the digital currency codes to be exchanged into account opening accounts of the issuer one by one, and simultaneously rewriting the content of the owner account data items in the exchanged digital currency set into account opening accounts of the digital currency owners who provide the equivalent exchange requests one by one;

the above includes but is not limited to the equivalence redemption devices allowing for re-merging, splitting and/or renaming based on the functionality as an equivalent transformation; terms above, including but not limited to the equivalence exchange, the equivalence exchange request, the digital currency code to be exchanged, the denomination total to be exchanged, the denomination of the digital currency to be exchanged and its number or denomination total under that denomination, the collection of digital currencies being exchanged, the issuer's account number and/or the digital currency owner's account number, allow for renaming or other art-recognized names or terms to be selected for conversion to equivalents based on the functionality and definitions.

12. The device for constructing the digital currency system further comprises the equivalent exchange device, or the digital currency system further comprises a public one-way hash function, a transaction record table, a hash value notice linked list and the equivalent exchange device; it is characterized by also comprising: the data item of each digital currency record in the digital currency center ledger also comprises constraint information; the data item of each transaction record in the transaction record table further comprises the constraint information; the constraint information comprises at least one of payee account opening constraint information, purchased goods constraint information and time constraint information; in the digital money transfer request processing device, when the digital money to be transferred is matched on the digital money center book but does not enter a digital money set to be transferred, entering an examination constraint information sub-device, and further examining whether the constraint information data item content of the digital money to be transferred allows the digital money to be paid or not, if so, entering the digital money set to be transferred, and if not, giving up the digital money and continuously matching other digital money; it is characterized by also comprising:

checking constraint information sub-device, checking the input digital money to be transferred whether the content of the constraint information data item allows the payment of the digital money, and outputting permission or non-permission;

the above, including but not limited to the ping constraint information sub-means, allows for re-merging, splitting and/or renaming based on the functionality, as an equivalent transformation; the terms above, including but not limited to the constraint information, account number opening constraint information, goods procurement constraint information, time constraint information, matched out, digital currency set to be transferred, whether digital currency is allowed to be paid and/or not allowed to be discarded, allow for renaming based on the function and definition or for other names or terms known in the art, as equivalent transformations.

The beneficial effects of the scheme of the invention comprise:

the scheme of the invention provides the scheme of the credit ticket or digital currency single-center account book, which belongs to an open type non-encryption single-level architecture, has no obstacle in implementation construction and reliable operation based on the current information technology capability, thereby fundamentally solving the problems of data consistency of distributed multi-account books and low efficiency and high consumption caused by a consensus mechanism in the existing scheme, and the like.

Meanwhile, in order to solve the problem of data tamper resistance of a single central account book, the scheme of the invention particularly provides a hash value announcement chain scheme, when information recorded in the central account book is changed, related information and time causing the change are added and recorded in a transaction record table (the table content transaction related party can view and naturally can copy by itself), one-way hash value calculation (or abstract calculation) is carried out on the added information to obtain a transaction hash value, then the transaction hash value is added to a hash value announcement chain table (specific information of the announcement transaction is avoided), secondary hash value calculation is carried out, the announcement hash value of the previous announcement record is particularly added in the secondary hash value calculation, and the aim is to prevent the data record of the central account book from being tampered; the main principle is that if a system administrator tampers with the owner account number of a certain credit or digital currency in private, the owner account number in the last change record of the credit or digital currency in the transaction record table before the credit or digital currency is also tampered, otherwise, no relevant change record in the transaction record table proves that the record of the central account book is tampered, however, a client can check and record the transaction record information related to the issuer account number (or the account number of the transfer account) and the owner account number in the transaction record table, and can verify whether the record information is matched with the transaction hash value through a disclosed hash function, so that the system administrator must also tamper with the information in the transaction record table including recalculating the hash value so as to be verified through the hash value, but the transaction hash value is also recorded in the hash value bulletin chain table, at the same time, the coding and accounting time of the credit ticket or digital currency are recorded, so the system administrator needs to continuously tamper the transaction hash value and the corresponding bulletin hash value of the history record in the bulletin chain table, but the next bulletin record already records the original "previous bulletin hash value", the system administrator also needs to continue recalculating the advertisement hash values in all subsequent advertisement records in the hash value advertisement linked list starting with the tampered advertisement record, when it appears that the hash values all match, however, these announcement records have been viewed and recorded by other clients, and it is easy to know from which announcement record they have been tampered with, further, it is easy to know which one of the transaction records is tampered, that is, which credit ticket or digital currency code and the corresponding information before and after the owner account number is tampered; thus, a system administrator in order to tamper with a credit or digital currency owner account would cause a conflict with the recorded notices of several unpredictable customers; likewise, the customer cannot tamper with the hash value at will; the transaction hash value is a one-way summary of the transaction information with realistic significance, and two groups of record information with realistic significance cannot be pieced together and have the same hash value. The solution described above prevents anyone from tampering with the central ledger or the transaction record sheet.

In conclusion, the scheme of the invention solves the problem of data consistency of the distributed account book, solves the problem of data tamper resistance of the single-center account book, solves the problems of counterfeit money, repeated payment, legal discussion and fraud, illegal money laundering prevention and the like, provides a fine constraint scheme for oriented consumption, timed availability and the like of digital money, and provides a means for establishing credit-based digital money.

Drawings

FIG. 1 is a schematic diagram of a credit coupon system construction and operation method.

FIG. 2 is a schematic diagram of a method for preventing tampering of a credit system data record.

Fig. 3 is a schematic diagram of a credit system configuration and operation device.

FIG. 4 is a schematic diagram of a credit system data record tamper-resistant device.

FIG. 5 is a schematic diagram of a digital currency system construction and operation method.

FIG. 6 is a schematic diagram of a digital currency system data record tamper-proofing method.

Fig. 7 is a schematic diagram of an equivalent exchange method in the digital currency system.

FIG. 8 is a diagram illustrating the substeps of checking constraint information by the digital currency system.

FIG. 9 is a schematic diagram of the digital currency system construction and operation apparatus.

FIG. 10 is a schematic diagram of a digital currency system data record tamper-resistant device.

Fig. 11 is a schematic diagram of a medium value exchange device in a digital currency system.

FIG. 12 is a diagram of the digital currency system pinging constraint information sub-assembly.

Fig. 13 is a diagram of a credit center ledger in a credit system.

FIG. 14 is a representation of an intent of a transaction record in a credit instrument system.

FIG. 15 is a schematic diagram of a hash value advertisement linked list in a credit ticket system.

Fig. 16 is a schematic diagram of a digital currency center ledger in the digital currency system.

FIG. 17 is a transaction record representation intent in a digital currency system.

FIG. 18 is a schematic diagram of a hash value advertisement linked list in a digital currency system.

Fig. 19 is a diagram of a digital currency center ledger with binding information.

FIG. 20 is a digital currency transaction record representation intent with binding information.

Detailed Description

In addition to the methods, structures, principles and considerations set forth in the preceding section of this specification in describing embodiments of the present invention, further detailed information may be provided herein. Embodiments of the present invention will be described below with reference to the drawings.

Fig. 1 is a schematic diagram of a credit ticket system configuration and operation method, which illustrates a method and a flow for implementing credit ticket system configuration and operation in the technical solution of the present invention, and the specific implementation further includes:

a step 101 of issuing and accounting the credit tickets, wherein the credit tickets newly issued by the credit ticket system are added to the credit ticket center book, and the accounting rules are as follows: each newly added record has to correspond to the credit ticket with a unique code which is invariable in lifetime and a fixed face value which is invariable in lifetime, and the data items written by each newly added record comprise the credit ticket code, the face value of the credit ticket and the account number of the owner;

a credit ticket transaction request processing step 121, receiving a credit ticket transaction request from a waiter having a credit ticket, and matching a credit ticket set to be waited for, in which the content of the owner account data item is equal to the account opening number of the waiter, on the credit ticket center book according to the total value of the face value of the credit ticket requested for the waiter, so that the sum of the face values of all credit tickets in the credit ticket set to be waited for is equal to the total value of the face value of the credit ticket requested for the waiter; the specific matching implementation algorithm has many public materials in the field, for example, the credit tickets owned by the deleter are traversed one by one or circularly, the credit ticket with the largest face value in the account number is matched in the total amount of the face value to be given, and then the credit ticket with the largest face value in the account number is matched in the remaining amount to be given until the remaining amount to be matched is zero, namely, the credit ticket set to be given is matched; other implementations of the invention involving matching may refer to the above method or select other algorithms commonly used in the art;

a credit ticket transaction accounting step 122, in which on the credit ticket center book, the primary account numbers recorded in the owner account number data items of all the credit tickets in the matched credit ticket set to be issued are rewritten into the transaction transferee account number for opening an account; and (3) giving a credit note or transferring the credit note, wherein the credit note is always on a credit note center account book, the customer account number recorded by the owner account number data item is converted, and the information of which credit notes and face values and the like owned by each account opening number is inquired, counted and/or summarized from the credit note center account book according to the condition that the content of the owner account number is equal to the account opening number of the customer.

Fig. 13 is a schematic diagram of a credit center ledger in a credit system, illustrating the data item composition of the credit center ledger 13, and an example of the content of each data item is shown in the figure: the credit ticket coded content is CN _ IDx, the credit ticket face value content is CN _ FVx, and the owner account number content is a; newly issued credit tickets must be recorded on the credit ticket center book, the codes and the face values of the newly issued credit tickets are not changed, and the content of the initial owner account number data item record is an account number opened by an issuer or an account number opened by a credit ticket purchasing customer; for transaction convenience, the issuer sets several credit instrument denominations.

Fig. 2 is a schematic diagram of a data record tamper-proofing method of a credit ticket system, which illustrates a method and a flow for implementing further data record tamper-proofing in the composition and operation of the credit ticket system in the technical scheme of the present invention, and the specific implementation further includes:

a transaction record table record adding step 201, wherein a transaction record is newly added in the transaction record table every time a credit record is newly added in the credit record center book or the content of any owner account number data item existing in the credit record is changed, and the content of a data item written in the newly added transaction record comprises the credit record code, the acquirer account number, the owner account number, the accounting time and the transaction request code; the transaction record table records a change history table corresponding to the credit ticket center book;

a transaction hash value calculation step 202, combining the contents of the credit coupon code, the acquirer account number, the owner account number, the accounting time and the transaction request code in the newly added transaction record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the transaction hash value data item in the newly added transaction record;

a hash value announcement linked list record adding step 203, wherein after the transaction record table calculates the transaction hash value of a newly added transaction record, an announcement record is newly added to the hash value announcement linked list, and at this time, the content of a data item written in the newly added announcement record comprises the announcement serial number, credit ticket code, accounting time, transaction hash value and previous announcement hash value;

and an announcement hash value calculation step 204, in which the contents of the data items of the announcement serial number, the credit ticket code, the accounting time, the transaction hash value and the previous announcement hash value in the newly added announcement record are combined according to a disclosed method, then the combined data items are input into the disclosed one-way hash function to obtain a hash value, and the hash value is written into the announcement hash value data item in the newly added announcement record.

One-way hash function related information is well known in the art, and there are many one-way hash functions to choose from, for example: MD5, SHA, etc., which in this scenario also includes a CRC algorithm for ease of uniform description and the output of which is also referred to collectively as a hash value; the transaction hash value is calculated so that specific transaction information is not disclosed when tamper-proof bulletin is carried out next step; before the contents of each data item of the transaction record are subjected to hash value calculation, the contents need to be spliced and combined to form integral information, the combination method and the hash function need to be disclosed in the scheme of the invention, because related clients of the transaction record can verify whether the transaction hash value is consistent with the corresponding contents of the transaction record, the process is one link for preventing the transaction record from being tampered, and any person can necessarily obtain the same hash value as long as the combination method and the hash function are disclosed; reference is made to the above description for other embodiments of the transaction record table and hash value calculation in the inventive arrangements.

Similarly, the requirement combination method and the hash function in the scheme of the invention are necessary to be disclosed or the announcement record is opened for all clients, so that the client can verify whether the announcement content meets the announcement hash value by self and can copy the announcement record voluntarily, and the historical announcement record is prevented from being tampered; the hash function for calculating the transaction hash value and the hash function for calculating the notice hash value can be the same or different, and the same public hash function and the same data item information combination method are adopted for facilitating the verification of related personnel; other embodiments of the inventive arrangements relating to calculation of the hash value of the advertisement may be found in relation to the above description.

Fig. 14 is a representation of a transaction record in a credit system, illustrating the data item composition of the credit transaction record table 14, and an example of the content of each data item is shown as follows: the credit ticket coded content is CN _ IDx, the transferee account number content is a, the owner account number content is B, the accounting time content is T and the transaction request coded content is NOa, and the last calculated transaction hash value content is CN _ H.

Fig. 15 is a schematic diagram of a hash value advertisement linked list in a credit ticket system, illustrating the data item composition of the hash value advertisement linked list 15, in which an example of the content of each data item is given as follows: the announcement serial number content is m, the credit ticket coding content is CN _ IDx, the accounting time content is T, the transaction hash value content is CN _ H, the previous announcement hash value content is H _ m-1, and the last announcement hash value content obtained through calculation is H _ m; other embodiments of the hash value advertisement linked list in the inventive arrangements may refer to the above description.

Fig. 3 is a schematic view of a credit ticket system configuration and operation device, illustrating a device for implementing credit ticket system configuration and operation in the technical solution of the present invention, and the specific implementation further includes:

a credit ticket issuing and accounting device 301 for adding a credit ticket newly issued by the credit ticket system to the credit ticket center book, wherein the accounting rule is as follows: each newly added record has to correspond to the credit ticket with a unique code which is invariable in lifetime and a fixed face value which is invariable in lifetime, and the data items written by each newly added record comprise the credit ticket code, the face value of the credit ticket and the account number of the owner;

credit ticket transaction request processing means 321, configured to receive a credit ticket transaction request from a waiter having a credit ticket, match, in the credit ticket center book, a to-be-waited credit ticket set in which content of an owner account data item is equal to an account opening of the waiter according to a total value of a face value of the credit ticket requested to be waited, so that a sum of face values of all credit tickets in the to-be-waited credit ticket set is equal to the total value of the face value of the credit ticket requested to be waited;

credit instrument transaction accounting device 322, for rewriting the original account numbers recorded in the owner account number data items of all the credit instruments in the matched set of credit instruments to be given out into the account numbers opened by the transaction transferee one by one on the credit instrument center book.

Fig. 4 is a schematic diagram of a data record tamper-proofing device of a credit ticket system, illustrating a device for further preventing data record tamper in the composition and operation of the credit ticket system in the technical solution of the present invention, and the specific implementation further includes:

transaction record table record adding means 401, configured to add a transaction record in the transaction record table every time a credit record is newly added to the credit-ticket center book or any content of an owner account data item existing in the credit-ticket record is changed, where content of a data item written in the newly added transaction record includes the credit-ticket code, the acquirer account, the owner account, the accounting time, and the transaction request code;

transaction hash value calculation means 402 for combining the contents of the credit ticket code, the acquirer account number, the owner account number, the accounting time, and the transaction request code in the newly added transaction record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the transaction hash value data item in the newly added transaction record;

hash value announcement linked list record adding means 403, configured to add an announcement record to the hash value announcement linked list immediately after the transaction record table calculates the transaction hash value of a newly added transaction record, where content of a data item written in the newly added announcement record includes the announcement sequence number, a credit ticket code, an accounting time, a transaction hash value, and a previous announcement hash value;

and announcement hash value calculation means 404 for combining the contents of the announcement serial number, credit ticket code, accounting time, transaction hash value, and previous announcement hash value in the newly added announcement record according to a disclosed method, inputting the combined contents into the disclosed one-way hash function to obtain a hash value, and writing the hash value into the announcement hash value data item in the newly added announcement record.

Fig. 5 is a schematic diagram of a digital currency system configuration and operation method, which illustrates a method and a process for implementing the digital currency system configuration and operation in the technical solution of the present invention, and the specific implementation further includes:

a digital currency issuing and accounting step 501, adding the digital currency newly issued by the digital currency system to the digital currency center book, wherein the accounting rules are as follows: each newly added record must correspond to the digital currency with a unique lifelong-invariant code and a fixed face value, and the data items written by each newly added record comprise the digital currency code, the face value of the digital currency and the account number of the owner;

a digital money transfer request processing step 521, receiving a digital money transfer transaction request from a transfer requester with digital money, wherein the digital money transfer transaction request comprises an account number of the transfer requester, a total amount of a digital money denomination and a payee account number, and matching a to-be-transferred digital money set with owner account number data item content equal to the account number of the transfer requester on a digital money center account according to the total amount of the digital money denomination requested to be transferred, so that the total amount of denominations of all digital money in the to-be-transferred digital money set is equal to the total amount of the digital denomination requested to be transferred;

and a digital money transfer transaction accounting step 522, in which on the digital money center account, the primary account numbers recorded in the owner account number data items of all digital money in the matched digital money set to be transferred are rewritten into the payee account number one by one, and the information of which digital money and the face value thereof are owned by the customer account number is inquired, counted and/or summarized from the digital money center account according to the condition that the content of the owner account number is equal to the customer account number.

Fig. 16 is a schematic diagram of a digital currency center ledger in a digital currency system, illustrating the data item composition of the digital currency center ledger 16, and an example of the content of each data item is shown in the figure: digital currency encoded content is DC _ IDx, digital currency denomination content is DC _ FVx, and owner account content is X; newly issued digital currency must be recorded on the digital currency center book, the code and the face value of the newly issued digital currency are not changed, the content of the initial owner account number data item record is the account number opened by the issuer, namely the owner of the initially issued digital currency is the issuer; in order to facilitate the circulation and transaction of digital currency, the issuer sets several relatively fixed digital currency denominations.

Fig. 6 is a schematic diagram of a method for preventing data record tampering in a digital currency system, which illustrates a method and a process for further preventing data record tampering during construction and operation of a digital currency system in the technical solution of the present invention, and the specific implementation further includes:

a transaction record table record adding step 601, adding a transaction record in the transaction record table every time a digital currency record is newly added in the digital currency center book or the content of any owner account number data item existing in the digital currency record is changed, wherein the content of the data item written in the newly added transaction record comprises the digital currency code, the account number of the account transfer person, the account number of the owner, the accounting time and the transaction request code;

a transaction hash value calculation step 602, combining the contents of the digital currency code, account number of the account transfer person, account number of the owner, accounting time and transaction request code in the newly added transaction record according to a public method, inputting the combined contents into the public one-way hash function to obtain a hash value, and writing the hash value into the transaction hash value data item in the newly added transaction record;

a hash value announcement linked list record adding step 603, wherein after the transaction record table calculates the transaction hash value of a newly added transaction record, an announcement record is newly added to the hash value announcement linked list, and at this time, the content of a data item written in the newly added announcement record comprises the announcement sequence number, the digital currency code, the accounting time, the transaction hash value and a previous announcement hash value;

and an announcement hash value calculation step 604, in which the contents of the data items of the announcement serial number, the digital currency code, the accounting time, the transaction hash value and the previous announcement hash value in the newly added announcement record are combined according to a disclosed method, then the combined data items are input into the disclosed one-way hash function to obtain a hash value, and the hash value is written into the announcement hash value data item in the newly added announcement record.

Fig. 17 is a view showing a transaction record in the digital money system, illustrating the data item composition of the digital money transaction record table 17, and an example of the contents of each data item is shown in the figure: the digital currency encoded content is DC _ IDx, the account number content is X, the owner account number content is Y, the accounting time content is T and the transaction request encoded content is NOb, the resulting calculated transaction hash value content is DC _ H; reference is made to the above description for other embodiments of the transaction record table relating to digital currency within the inventive arrangements.

Fig. 18 is a schematic diagram of a hash value advertisement linked list in a digital currency system, illustrating the data item composition of the hash value advertisement linked list 18, in which an example of the content of each data item is given as follows: the announcement serial number content is n, the digital currency coding content is DC _ IDx, the accounting time content is T, the transaction hash value content is DC _ H, the previous announcement hash value content is H _ n-1, and the last announcement hash value content is H _ n; other embodiments of the hash value advertisement linked list of the digital currency system of the present invention are described above.

Fig. 7 is a schematic diagram of an equivalent exchange method in a digital currency system, which illustrates a method and a flow for implementing equivalent exchange in the digital currency system composition and operation in the technical solution of the present invention, and the specific implementation further includes:

an equivalence exchange step 701, receiving an equivalence exchange request provided by a digital currency owner, wherein the equivalence exchange request comprises: the transaction request code of the equivalent exchange, the digital currency code to be exchanged, the face value of the digital currency to be exchanged and the digital currency quantity or the total amount of the face value under the face value; summarizing the total amount of the face value to be exchanged corresponding to all the digital currency codes to be exchanged; matching in the digital currency center book that the content of the owner account number data item is equal to the account number of the issuer, and the denominations and the number thereof of the digital currencies correspond to the denominations of all the digital currencies to be converted in and the number or the total denomination thereof under the denominations, and the matched digital currencies are called a converted digital currency set, so that the sum of the denominations of all the digital currencies in the converted digital currency set is equal to the total denomination to be converted; and rewriting the content of the owner account data items in the digital currency codes to be exchanged into the account opening of the issuer one by one, and simultaneously rewriting the content of the owner account data items in the exchanged digital currency set into the account opening of the digital currency owner who provides the equivalent exchange request one by one.

The digital currency code to be converted comprises one or more than one; the face value of the digital currency to be converted comprises one or more than one; the equivalence exchange is similar to change money, requested by the digital currency owner and specifying which digital currency he owns to exchange which denominations and amounts owned by the issuer; similarly, how to match the set of exchanged digital currencies in the digital currencies owned by the issuer according to the requirements of the exchange requester is referred to by published algorithms in the art, and the denomination of the digital currency or currencies to be exchanged is known, and the kind and amount of the exchanged denominations are also known, and are easy to match.

Fig. 8 is a schematic view of sub-steps of checking constraint information of a digital currency system, which illustrates a method and a flow for implementing the sub-steps of checking constraint information during composition and operation of the digital currency system in the technical solution of the present invention, and the specific implementation further includes:

the data item of each digital currency record in the digital currency center ledger also comprises constraint information; the data item of each transaction record in the transaction record table further comprises constraint information; the constraint information comprises at least one of payee account opening constraint information, purchased goods constraint information and time constraint information; in the digital money transfer request processing step 521, when the digital money to be transferred is matched with the digital money to be transferred on the digital money center ledger but the digital money to be transferred is not entered into the digital money set, the check constraint information substep 5210 is entered, whether the content of the constraint information data item of the digital money to be transferred allows the digital money to be paid is further checked, if the content allows the digital money to be transferred, the digital money to be transferred is entered into the digital money set to be transferred, and if the content does not allow the digital money to be discarded and the digital money to be continuously matched with other digital money is entered; it is characterized by also comprising:

a check constraint information sub-step 5210 of checking the input digital money to be transferred whether the contents of the data item of the constraint information thereof permit payment of the digital money, and outputting permission or non-permission.

Fig. 19 is a diagram of a digital money center ledger with constraint information, illustrating the data item configuration of the digital money center ledger 19 with constraint information, further including constraint information data items; an example of the contents of each data item is given in the figure as: digital currency encoded content is DC _ IDx, digital currency denomination content is DC _ FVx, owner account content is X, and restriction information content is C _ ID/P _ ID/T; the content of the constraint information can be formed by splicing one or more of account opening constraint information, purchased goods constraint information and time constraint information; the account opening constraint information or the purchased goods constraint information can directly list impermissible account opening lists or goods lists, and can also be searched in respective impermissible lists through an account opening constraint number or a purchased goods constraint number, and the specific processing methods are commonly used in the field; reference is made to the above description for other embodiments of the digital currency center ledger for constrained information in the inventive arrangements.

FIG. 20 is a drawing showing the digital money transaction record with constraint information, illustrating the data item configuration of the digital money transaction record table 20 with constraint information, and further including constraint information data items; an example of the contents of each data item is given in the figure as: the digital currency encoded content is DC _ IDx, the account number content is X, the owner account number content is Y, the accounting time content is T, the transaction request encoded content is Nob and the constraint information content is C _ ID/P _ ID/T, the final calculated transaction hash value content is DC _ H2; reference is made to the above description for other embodiments of the transaction record sheet in digital currency with bound information in the inventive arrangements.

When the constraint information includes the purchased goods constraint information, correspondingly, the digital money transfer transaction request further includes providing a purchased goods category or tax number to validate the purchased goods constraint information; the constraint information is set by the digital money issuer at the time of issuance or at the time of runtime of the digital money; when the content of any one digital currency record in the digital currency center book is changed, besides the content of a newly added digital currency record or any one owner account number data item existing in the digital currency record, the transaction record table record adding step and the transaction hash value calculating step are also triggered, wherein the data item content written in the newly added transaction record in the transaction record table record adding step also comprises the constraint information, and the information combined according to the disclosed method in the transaction hash value calculating step also comprises the constraint information data item content.

Fig. 9 is a schematic view of a digital currency system configuration and operation device, illustrating a device for implementing digital currency system configuration and operation in the technical solution of the present invention, and the specific implementation further includes:

a digital currency issuance accounting device 901, configured to add digital currency newly issued by the digital currency system to the digital currency center book, where the accounting rules are as follows: each newly added record must correspond to the digital currency with a unique lifelong-invariant code and a fixed face value, and the data items written by each newly added record comprise the digital currency code, the face value of the digital currency and the account number of the owner;

a digital money transfer request processing unit 921, configured to receive a digital money transfer transaction request from a transfer requester having digital money, where the digital money transfer transaction request includes an account number of an account opening of the transfer requester, a total amount of a denomination of the digital money requested to be transferred, and an account number of an account opening of a payee, and match a set of digital money to be transferred on the digital money center book according to the total amount of the denomination of the digital money requested to be transferred, where the content of a data item of the owner account is equal to the account number of the account opening of the transfer requester, so that the total sum of denominations of all digital money in the set of digital money to be transferred is equal to the total amount of the denomination of the digital money requested to be transferred;

and the digital money transfer transaction accounting device 922 is used for rewriting the primary account numbers recorded in the owner account number data items of all the matched digital money to be transferred into the account number opened by the payee one by one on the digital money center book.

Fig. 10 is a schematic diagram of a digital currency system data record tamper-proofing device, illustrating a device for further preventing data record tamper in the construction and operation of a digital currency system in the technical solution of the present invention, and the specific implementation further includes:

transaction record table record adding means 1001 for adding a new transaction record in the transaction record table every time a new digital currency record is added to the digital currency center book or any content of an owner account number data item existing in the digital currency record is changed, where the content of a data item written in the newly added transaction record includes the digital currency code, the account number of a transfer account, the owner account number, the accounting time, and the transaction request code;

transaction hash value calculation means 1002, configured to combine the contents of the digital currency code, account number of the account transfer person, account number of the owner, accounting time, and transaction request code in the newly added transaction record according to a public method, input the combined contents into the public one-way hash function, obtain a hash value, and write the hash value into the transaction hash value data item in the newly added transaction record;

hash value announcement linked list record adding means 1003, configured to add an announcement record to the hash value announcement linked list immediately after the transaction record table calculates the transaction hash value of a newly added transaction record, where content of a data item written in the newly added announcement record includes the announcement sequence number, a digital currency code, an accounting time, a transaction hash value, and a previous announcement hash value;

bulletin hash value calculation means 1004 for combining the contents of the bulletin serial number, digital currency code, accounting time, transaction hash value and previous bulletin hash value in the newly added one of the bulletin records according to a disclosed method, inputting the combined result into the disclosed one-way hash function to obtain a hash value, and writing the hash value into the bulletin hash value data item in the newly added bulletin record.

Fig. 11 is a schematic diagram of a medium value exchange device in a digital currency system, which illustrates a device for implementing medium value exchange in the digital currency system, according to the technical solution of the present invention, and the specific implementation further includes:

an equivalence exchange device 1101 for receiving an equivalence exchange request made by a digital currency owner, the equivalence exchange request comprising: the transaction request code of the equivalent exchange, the digital currency code to be exchanged, the face value of the digital currency to be exchanged and the digital currency quantity or the total amount of the face value under the face value; summarizing the total amount of the face value to be exchanged corresponding to all the digital currency codes to be exchanged; matching in the digital currency center book that the content of the owner account number data item is equal to the account number of the issuer, and the denominations and the number thereof of the digital currencies correspond to the denominations of all the digital currencies to be converted in and the number or the total denomination thereof under the denominations, and the matched digital currencies are called a converted digital currency set, so that the sum of the denominations of all the digital currencies in the converted digital currency set is equal to the total denomination to be converted; and rewriting the content of the owner account data items in the digital currency codes to be exchanged into the account opening of the issuer one by one, and simultaneously rewriting the content of the owner account data items in the exchanged digital currency set into the account opening of the digital currency owner who provides the equivalent exchange request one by one.

Fig. 12 is a schematic diagram of an information sub-apparatus for checking constraint information of a digital currency system, which illustrates the information sub-apparatus for checking constraint information in the construction and operation of the digital currency system according to the technical solution of the present invention, and the specific implementation further includes:

the data item of each digital currency record in the digital currency center ledger also comprises constraint information; the data item of each transaction record in the transaction record table further comprises the constraint information; the constraint information comprises at least one of payee account opening constraint information, purchased goods constraint information and time constraint information; in the digital money transfer request processing device 921, when the digital money to be transferred is matched on the digital money center book but has not entered the digital money set to be transferred, the digital money to be transferred enters an examination constraint information sub-device 9210, and whether the constraint information data item content of the digital money to be transferred allows the digital money to be paid is further examined, if the constraint information data item content allows the digital money to be transferred, the digital money to be transferred enters the digital money set to be transferred, and if the constraint information data item content does not allow the digital money to be transferred, the digital money is abandoned and continuously matched with other digital money; it is characterized by also comprising:

checking the constraint information sub-device 9210 checks the input digital money to be transferred whether the content of the constraint information data item allows the digital money to be paid, and outputs permission or non-permission.

When the constraint information includes the purchased goods constraint information, correspondingly, the digital money transfer transaction request further includes providing a purchased goods category or tax number to validate the purchased goods constraint information; the constraint information is set by the digital money issuer at the time of issuance or at the time of runtime of the digital money; when the content of the constraint information data item of any digital currency record in the digital currency center book is changed, besides the content of a newly added digital currency record or any owner account number data item existing in the digital currency record in the digital currency center book is changed, the transaction record table record adding device and the transaction hash value calculating device are also triggered, wherein the data item content written in the newly added transaction record in the transaction record table record adding device also comprises the constraint information, and the information combined according to the disclosed device in the transaction hash value calculating device also comprises the constraint information data item content.

In the scheme of the invention, the contents of the transaction record table in the credit coupon system or the digital currency system are visible to the clients of the associated account opening numbers, namely, the clients of both parties of the transaction in a certain record can check the record, and the clients of each account opening number can inquire or count the historical transaction record of the clients from the transaction record table and can also copy the historical transaction record by themselves; and simultaneously, each historical transaction record can find a unique corresponding announcement record in the hash value announcement linked list in the related system.

The equivalent exchange scheme, or change scheme with different denominations, in the scheme of the invention can also occur between two common customers (namely, exchange with account numbers of the issuer is not performed), and the action is actually the process of performing the digital money transfer twice, for example, a party A transfers digital money with a certain denomination to a party B, and the party B transfers equivalent digital money with other denominations to the party A.

In the scheme of the invention, the credit note center book or the digital currency center book in physical implementation can refer to the mature practice in the field, for example, the credit note or the digital currency center book is divided into a plurality of physical block books according to the denomination or the coding section of the credit note or the digital currency, so that the operation efficiency is improved, the blocked physical book or database can not be in one geographical position, a hot standby book or database can also be established, the logic is also an account book or a database table, and the code of the same credit note or the digital currency cannot be simultaneously displayed on more than one production account book or database table (except for various backup account books or database tables).

In the solution of the present invention, as shown in fig. 13 to fig. 20, the central ledger, the transaction record table, and the hash value announcement linked list respectively included in the credit instrument system or the digital currency system are embodied in data structures and logical relationships in the related method solutions in the solution of the present invention, and the data tables in the related device solutions in the solution of the present invention are data storage and management devices constructed on a computer device according to the technical solutions and embodiments disclosed in the solution of the present invention and based on a computer operating system and a database system known to those skilled in the art; the left and right positions of the data items in the data representation intent do not affect the operational functionality of the data table.

The Chinese characters of the scheme specification of the invention are input by Chinese pinyin, and individual homophonic or near-phonetic word errors can exist, but the correct original meaning can be generally recognized and known.

Claims

the steps comprising the credit ticket issuing accounting, the credit ticket transaction request processing and the credit ticket transaction accounting allow the merging, the splitting and/or the renaming to be carried out again based on the functions, and are equivalent transformation; the above includes the credit ticket, the credit ticket system, the credit ticket center book, the credit ticket records, the data items, the issuer account number of the issuer, the issuer account number of the customer, the credit ticket code, the credit ticket face value, the owner account number, the credit ticket granting requester, the credit ticket transaction request, the credit ticket face value total, the transaction acquirer issuer account number, the credit ticket set to be granted and/or matching terms allowing renaming or selecting other art-known names or terms based on the functions and definitions, which are equivalent transformations.

2. The method of constructing a credit instrument system of claim 1, wherein: the credit coupon system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the credit ticket transaction request also comprises a transaction request code; the data items recorded in the transaction record table comprise the credit coupon codes, the acquirer account numbers, the owner account numbers, the accounting time, the transaction request codes and the transaction hash values; the data item of each notice record in the hash value notice linked list comprises a notice serial number, the credit coupon code, the accounting time and the transaction hash value, and also comprises a notice hash value of the previous notice record, namely a previous notice hash value and a notice hash value of the current notice record; it is characterized by also comprising:

the steps of adding the records of the transaction record table, calculating the transaction hash value, adding the records of the hash value announcement chain table and calculating the announcement hash value allow the merging, splitting and/or renaming to be carried out again based on the functions, and are equivalent transformation; the terms above including the transaction record table, hash value bulletin linked list, transferee account number, transaction request code, transaction hash value, bulletin serial number, pre-bulletin hash value, combination, hash function, input hash function, and/or hash value allow for renaming or selection of other names or terms known in the art based on the function and definition to be equivalent transformations.

the above devices including the credit ticket issuing accounting, the credit ticket transaction request processing and the credit ticket transaction accounting allow the merging, splitting and/or renaming to be carried out again based on the functions, and are equivalent transformation; the above words including the credit ticket, the credit ticket system, the credit ticket center book, the issuer account number, the client account number, the credit ticket code, the face value of the credit ticket, the owner account number, the credit ticket granting requester, the credit ticket transaction request, the total amount of face values of the credit ticket, the transaction acquirer account number, the credit ticket set to be granted and/or matching words allow for renaming or selecting other names or words known in the art based on the functions and definitions, which are equivalent transformations.

4. The apparatus for constructing a credit card system as set forth in claim 3, wherein: the credit coupon system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the credit ticket transaction request also comprises a transaction request code; the data items recorded in the transaction record table comprise the credit coupon codes, the acquirer account numbers, the owner account numbers, the accounting time, the transaction request codes and the transaction hash values; the data item of each notice record in the hash value notice linked list comprises a notice serial number, the credit coupon code, the accounting time and the transaction hash value, and also comprises a notice hash value of the previous notice record, namely a previous notice hash value and a notice hash value of the current notice record; it is characterized by also comprising:

the devices including the transaction record table record adding, the transaction hash value calculating, the hash value announcement chain table record adding and the announcement hash value calculating allow the merging, splitting and/or renaming to be carried out again based on the functions, and are equivalent transformation; the terms above including the transaction record table, hash value bulletin linked list, transferee account number, transaction request code, transaction hash value, bulletin serial number, pre-bulletin hash value, combination, hash function, input hash function, and/or hash value allow for renaming or selection of other names or terms known in the art based on the function and definition to be equivalent transformations.

the above steps including the digital money issuance accounting, digital money transfer request processing, and digital money transfer transaction accounting allow for re-merging, splitting, and/or renaming based on the functions as an equivalent transformation; including the digital currency, digital currency system, digital currency center book, digital currency records, data items, issuer account number, customer account number, digital currency code, digital currency denomination, owner account number, digital money transfer applicant, digital money transfer transaction request, digital currency denomination total, payee account number, digital currency set to be transferred, and/or matching terms allows for renaming or selecting other art-recognized names or terms based on the function and definition, as an equivalent transformation.

6. A method of constructing a digital money system according to claim 5, wherein: the digital currency system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the digital money transfer transaction request further includes a transaction request code; data items recorded in the transaction record table include the digital currency code, account number of the transfer person, account number of the owner, accounting time, the transaction request code and transaction hash value; the data item of each announcement record in the hash value announcement linked list comprises an announcement serial number, the digital currency code, the accounting time and the transaction hash value, and the announcement hash value of the previous announcement record is called as a previous announcement hash value and an announcement hash value of the current announcement record; it is characterized by also comprising:

the steps of adding the records of the transaction record table, calculating the transaction hash value, adding the records of the hash value announcement chain table and calculating the announcement hash value allow the merging, splitting and/or renaming to be carried out again based on the functions, and are equivalent transformation; the terms above including the transaction record table, hash value posting linked list, account number of transferor, transaction request encoding, transaction hash value, posting serial number, pre-posting hash value, combination, hash function, input hash function, and/or hash value allow for renaming or selecting other names or terms known in the art based on the function and definition to be equivalent transformations.

7. The method of constructing a digital money system according to claim 5 or 6, further comprising:

the inclusion of the equivalence redemption steps above allows for re-merging, splitting, and/or renaming based on the functionality as an equivalent transformation; the terms above, including the equivalent exchange, the equivalent exchange request, the digital currency code to be exchanged, the denomination total to be exchanged, the denomination of the digital currency to be exchanged and its number or denomination total under that denomination, the collection of digital currencies being exchanged, the issuer's account number and/or the digital currency owner's account number, allow for renaming or selection of other names or terms known in the art, based on the functions and definitions, to be equivalents.

8. A method of constructing a digital money system according to claim 7, further comprising: the data item of each digital currency record in the digital currency center ledger also comprises constraint information; the data item of each transaction record in the transaction record table further comprises the constraint information; the constraint information comprises at least one of payee account opening constraint information, purchased goods constraint information and time constraint information; in the step of processing the digital money transfer request, when the digital money to be transferred is matched on the digital money center book but does not enter a digital money set to be transferred, entering a substep of checking constraint information, and further checking whether the content of the data item of the constraint information of the digital money to be transferred allows the digital money to be paid, if so, entering the digital money set to be transferred, and if not, giving up the digital money and continuously matching other digital money; it is characterized by also comprising:

the above sub-step of including the ping constraint information allows merging, splitting and/or renaming to be re-done based on the function, as an equivalent transformation; the above includes the constraint information, account number constraint information, goods procurement constraint information, time constraint information, matching out, digital currency collection to be transferred, whether digital currency is allowed to be paid and/or not allowed and discarding terms allows for renaming based on the function and definition or selecting other names or terms known in the art, as equivalent transformations.

each of the above means including the digital money issuance accounting, digital money transfer request processing and digital money transfer transaction accounting allows for re-merging, splitting and/or renaming based on the functions as an equivalent transformation; including the digital currency, digital currency system, digital currency center book, issuer account number, customer account number, digital currency code, digital currency denomination, owner account number, digital money transfer applicant, digital money transfer transaction request, digital currency denomination total, payee account number, digital currency set to be transferred, and/or matching terms allows for renaming or selecting other art-recognized names or terms based on the functions and definitions, as an equivalent transformation.

10. An apparatus for constructing a digital money system according to claim 9, wherein: the digital currency system further comprises a public one-way hash function, a transaction record table and a hash value announcement linked list; the digital money transfer transaction request further includes a transaction request code; data items recorded in the transaction record table include the digital currency code, account number of the transfer person, account number of the owner, accounting time, the transaction request code and transaction hash value; the data item of each announcement record in the hash value announcement linked list comprises an announcement serial number, the digital currency code, the accounting time and the transaction hash value, and the announcement hash value of the previous announcement record is called as a previous announcement hash value and an announcement hash value of the current announcement record; it is characterized by also comprising:

the devices including the transaction record table record adding, the transaction hash value calculating, the hash value announcement chain table record adding and the announcement hash value calculating allow the merging, splitting and/or renaming to be carried out again based on the functions, and are equivalent transformation; the inclusion of the transaction record table, hash value posting chain table, account number of transferor, transaction request encoding, transaction hash value, posting serial number, pre-posting hash value, combination, hash function, input hash function, and/or hash value above allows for renaming or selecting other names or words known in the art as equivalent transformations based on the described functions and definitions.

11. An apparatus for constructing a digital money system according to claim 9 or 10, further comprising:

the inclusion of the equivalence redemption devices above allows for re-merging, splitting, and/or renaming based on the functionality, as an equivalent transformation; the terms above, including the equivalent exchange, the equivalent exchange request, the digital currency code to be exchanged, the denomination total to be exchanged, the denomination of the digital currency to be exchanged and its number or denomination total under that denomination, the collection of digital currencies being exchanged, the issuer's account number and/or the digital currency owner's account number, allow for renaming or selection of other names or terms known in the art, based on the functions and definitions, to be equivalents.

12. An apparatus for constructing a digital currency system as claimed in claim 11 further comprising said equivalence exchange means, or said digital currency system further comprising public one-way hash functions, a transaction record table, a hash value bulletin chain table and said equivalence exchange means; it is characterized by also comprising: the data item of each digital currency record in the digital currency center ledger also comprises constraint information; the data item of each transaction record in the transaction record table further comprises the constraint information; the constraint information comprises at least one of payee account opening constraint information, purchased goods constraint information and time constraint information; in the digital money transfer request processing device, when the digital money to be transferred is matched on the digital money center book but does not enter a digital money set to be transferred, entering an examination constraint information sub-device, and further examining whether the constraint information data item content of the digital money to be transferred allows the digital money to be paid or not, if so, entering the digital money set to be transferred, and if not, giving up the digital money and continuously matching other digital money; it is characterized by also comprising:

the above inclusion of the ping constraint information sub-means allows for re-merging, splitting and/or renaming based on the function as an equivalent transformation; the above includes the constraint information, account number constraint information, goods procurement constraint information, time constraint information, matching out, digital currency collection to be transferred, whether digital currency is allowed to be paid and/or not allowed and discarding terms allows for renaming based on the function and definition or selecting other names or terms known in the art, as equivalent transformations.