CN112766940B - Electronic check transaction method and system based on blockchain - Google Patents

Electronic check transaction method and system based on blockchain Download PDF

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Publication number
CN112766940B
CN112766940B CN202011529349.6A CN202011529349A CN112766940B CN 112766940 B CN112766940 B CN 112766940B CN 202011529349 A CN202011529349 A CN 202011529349A CN 112766940 B CN112766940 B CN 112766940B
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transfer
code
contract
signature
wallet
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CN112766940A (en
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黄飞
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Beijing Yinhexin Technology Co ltd
Shandong Gangyun Digital Technology Co ltd
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Shandong Gangyun Digital Technology Co ltd
Beijing Yinhexin Technology Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The embodiment of the invention discloses a blockchain-based electronic check transaction method and a blockchain-based electronic check transaction system, wherein based on a distributed network, data are stored in a plurality of blockchain nodes in a redundant mode, the consistency of the data is ensured, a digital signature mechanism is adopted, the signature of a transaction initiator once being used by a receiver cannot be canceled, the signature of transaction information is contained in the signature, the transaction initiator cannot deny the transaction performed by the transaction initiator because the transaction initiator only holds a private key of the signature, the receiver cannot deny the transaction by using a wallet address associated with the receiver after checking the signature, the signature stored in a contract also enables the receiver to deny the transaction, various service modes and user types can be effectively supported, an efficient online transaction flow is expanded, the convenience is high, the related digital asset in a payment process is locked by the system and cannot be used under the unauthorized condition, the related contracts of the two parties are guaranteed to be effectively performed, the risk of credit violations is avoided, and the cost is low.

Description

Electronic check transaction method and system based on blockchain
Technical Field
The embodiment of the invention relates to the technical field of finance, in particular to an electronic check transaction method and system based on a blockchain.
Background
The existing electronic cheque is an electronic payment form that uses digital transfer to transfer money from one account to another, taking advantage of paper cheque transfer payments. Such electronic cheque payments are cryptographically transferred over networks connected to merchants and banks, most of which use public key encrypted signatures or Personal Identification Numbers (PINs) instead of handwritten signatures. The electronic check is used for payment, the transaction processing cost is low, and the bank can provide standardized fund information for merchants participating in electronic commerce, so that the electronic check payment method is a relatively efficient payment means. The key technology is that based on the centralized system, the public key word encryption signature, the user-defined identity number PIN or other symmetrical encryption technology means are used to realize the encryption communication and verification between different centralized systems. The drawbacks of the prior art combinations are as follows:
cost: the method is only suitable for a centralized system, has very high self management cost and operation cost, is difficult to migrate and deploy, has large difficulty of cross-organization collaboration and has long construction period;
convenience: the existing electronic cheque is different from the traditional paper cheque transaction medium and payment flow, only the migration among electronic equipment is supported, and the paper transaction medium which is more convenient and faster than the traditional paper cheque is difficult to provide;
safety: the key flow of cashing checks by the centralized system comprises a large number of manual check sum confirmation, and the data of the centralized system is highly correlated with the integrity of operation and maintenance personnel, if the related personnel subjectively intend to damage the data consistency and the integrity of the server, the system can only have post crime responsibility and cannot be avoided in advance;
credit risk: the existing electronic cheque is only representative of proxy operation rights due to a centralized transaction mode, and the cashing flow after transaction can not be cashed due to credit default of the drawer, namely, the situation of 'blank cheque' in the traditional cheque service is difficult to overcome.
Disclosure of Invention
Therefore, the embodiment of the invention provides a blockchain-based electronic check transaction method and a blockchain-based electronic check transaction system, which are used for solving the problems of high cost, poor convenience, low safety and high credit risk of the existing centralized electronic check transaction mode.
In order to achieve the above object, the embodiment of the present invention provides the following technical solutions:
according to a first aspect of an embodiment of the present invention, there is provided a blockchain-based electronic check transaction method, the method including:
the transfer-out party A transfers the appointed amount S into an intelligent contract C which is created in advance on the blockchain, and generates check code cadr0, inquiry verification code q1 and transfer confirmation code q2 through an asymmetric encryption algorithm and a digital signature algorithm which are built in the intelligent contract C;
the receiver B acquires the check code cadr0, the transfer amount S and the inquiry verification code q1 from the transfer party A, verifies the wallet address walletA of the check source on the intelligent contract C based on the asymmetric encryption algorithm and the digital signature verification algorithm built in the contract according to the check code cadr0 and the inquiry verification code q1, and changes the wallet address walletB of the receiver B into the unique inquireable and transfer address to finish the change of the contract wallet owner;
the receiver B uses the transfer confirmation code q2 and the signature of the receiver B to unlock the amount S in a frozen state;
the receiver B uses the transfer validation code q2 and the private key pkB to sign and then present the amount S from the smart contract C to the personal wallet address wallet B, while the electronic check code cadr0 expires.
Further, the check code cadr0, the inquiry verification code q1 and the transfer verification code q2 are generated through an asymmetric encryption algorithm and a digital signature algorithm which are built in the intelligent contract C, and specifically include:
the smart contract C creates a multi-signature contract wallet address, check encoded cadr0, where the contract wallet owner is set to transfer out a, bao Dezhi walletA;
the intelligent contract C signs the transfer amount S by using a private key pkA of the transfer party A through a built-in digital signature algorithm, the signature result is a query verification code q1, and the query verification code q1 is used as one of triggering conditions of transfer functions of a contract wallet owner;
meanwhile, the intelligent contract C calls a private key of the wallet address walletA to sign a signature which is consistent with the amount S and contains a default value of the transfer address, and the signature result is a multi-signature wallet asset transfer confirmation code q2.
Further, the asymmetric encryption algorithm includes an elliptic curve algorithm.
Further, the method further comprises:
the transfer-out party A prints the check code cadr0, the transfer-in amount S and the inquiry verification code q1 on paper credentials;
the receiver B obtains the paper certificate from the transfer-out party A, thereby obtaining the check code cadr0, the transfer-in amount S and the inquiry verification code q1.
Further, the blockchain includes an ethernet blockchain.
Further, the intelligent contract C comprises a contract wallet creation program of a newly built single owner, a contract wallet owner attribute control function and a contract wallet balance transfer function.
According to a second aspect of an embodiment of the present invention, there is provided a blockchain-based electronic check transaction system, the system comprising:
the check generation module is used for the transfer party A to transfer the appointed amount S into an intelligent contract C which is created in advance on the blockchain, and generates a check code cadr0, a query verification code q1 and a transfer verification code q2 through an asymmetric encryption algorithm and a digital signature algorithm which are built in the intelligent contract C;
the wallet owner changing module is used for acquiring the check code cadr0, the transfer-in amount S and the inquiry verification code q1 from the transfer-out party A by the receiving party B, verifying the wallet address walletA of the check source on the intelligent contract C based on an asymmetric encryption algorithm and a digital signature verification algorithm built in the contract according to the check code cadr0 and the inquiry verification code q1, and changing the wallet address walletB of the receiving party B into a unique inquireable and transfer-in address to complete the change of the contract wallet owner;
the fund unlocking module is used for unlocking the fund amount S in a frozen state by the receiver B through the transfer confirmation code q2 and the signature of the receiver B;
the transfer presenting module is used for presenting the amount S from the intelligent contract C to the personal wallet address wallet B after the receiver B signs by using the transfer confirmation code q2 and the private key pkB, and meanwhile, the electronic check code cadr0 is invalid.
Further, the check generation module is specifically configured to:
the smart contract C creates a multi-signature contract wallet address, check encoded cadr0, where the contract wallet owner is set to transfer out a, bao Dezhi walletA;
the intelligent contract C signs the transfer amount S by using a private key pkA of the transfer party A through a built-in digital signature algorithm, the signature result is a query verification code q1, and the query verification code q1 is used as one of triggering conditions of transfer functions of a contract wallet owner;
meanwhile, the intelligent contract C calls a private key of the wallet address walletA to sign a signature which is consistent with the amount S and contains a default value of the transfer address, and the signature result is a multi-signature wallet asset transfer confirmation code q2.
Further, the system further comprises:
the printing module is used for printing the check code cadr0, the transfer-in amount S and the inquiry verification code q1 on the paper document by the transfer-out party A so that the receiver B obtains the paper document by the transfer-out party A, thereby obtaining the check code cadr0, the transfer-in amount S and the inquiry verification code q1.
The embodiment of the invention has the following advantages:
(1) The cost is low: the system can be deployed only based on a blockchain public chain or other open blockchain public services without additionally constructing a centralized protocol server and a certificate center, and the system operation process is completely based on a mathematical algorithm, so that a large amount of labor investment in the traditional system is saved;
(2) The convenience is high: the traditional electronic check can not support the transfer of paper credentials and the payment requirements among combinations of different roles (merchants, banks and users) due to the coupling of verification and transfer processes, and the improved electronic check transaction method can effectively support various service modes and user types and expand the efficient offline transaction flow;
(3) Data consistency and non-repudiation lines: the transaction system is based on a distributed network, the data are stored in a plurality of block chain nodes in a redundant mode, and the consistency of the data is guaranteed. Meanwhile, the system adopts a digital signature mechanism to provide non-repudiation service so as to prevent fraud. Once the signature of the transaction initiator is used by the receiver, the transaction cannot be canceled, wherein the signature of the transaction initiator on the transaction information is included, and the transaction initiator cannot deny the transaction conducted by the transaction initiator because only the transaction initiator knows the private key of the transaction initiator. Likewise, the recipient, after verifying the signature using his own associated wallet address, also has its signature stored in the contract so that he cannot deny the transaction at this time;
(4) No credit breach risk: the payment process related digital assets are locked by the system and cannot be stolen under unauthorized conditions, and the effective fulfillment of the related contracts of the two parties of the ensured transaction is ensured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below. It will be apparent to those of ordinary skill in the art that the drawings in the following description are exemplary only and that other implementations can be obtained from the extensions of the drawings provided without inventive effort.
FIG. 1 is a flow chart of a block chain based electronic check transaction method according to embodiment 1 of the present invention;
FIG. 2 is a schematic diagram of a block chain based electronic check transaction system according to embodiment 2 of the present invention;
fig. 3 is a schematic diagram of an implementation structure of an electronic check transaction system based on blockchain according to embodiment 2 of the present invention.
Detailed Description
Other advantages and advantages of the present invention will become apparent to those skilled in the art from the following detailed description, which, by way of illustration, is to be read in connection with certain specific embodiments, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The embodiment 1 of the invention provides a block chain-based electronic check transaction method, as shown in fig. 1, comprising the following steps:
s110, the transfer party A drives the appointed amount S into an intelligent contract C which is created in advance on the blockchain, and generates check codes cadr0, inquiry verification codes q1 and transfer confirmation codes q2 through an asymmetric encryption algorithm and a digital signature algorithm which are built in the intelligent contract C.
The smart contract C is a decentralised program running on a blockchain public chain (e.g., ethernet ETH), the program comprising an asymmetric encryption algorithm (e.g., ECC: elliptic curve algorithm, a commonly disclosed asymmetric encryption algorithm), a digital signature and signature verification algorithm (e.g., ECDSA algorithm), a newly created single Owner contract wallet creation program, a contract wallet Owner own attribute control function, and a contract wallet balance transfer function function transfer (address_address) public party.
The smart contract C generates the check code addr 0, the inquiry verification code q1, and the transfer validation code q2 by:
the smart contract C creates a multi-signature contract wallet address, check encoded addr 0, through the code ether.wallet.createpradelom (), where the contract wallet owner is set to transfer out a, bao Dezhi walletA;
the intelligent contract C signs the transfer amount S by using a private key pkA of the transfer party A through a built-in digital signature algorithm, the signature result is a query verification code q1, the query verification code q1 is used as one of triggering conditions of transfer functions of contract wallet owners, and the change of the contract wallet owners from the walletA address to the walletB address can be realized by inputting the query verification code q1 and the address of the transfer target walletB;
meanwhile, the intelligent contract C calls a private key of the wallet address walletA to sign a signature which is consistent with the amount S and contains a default value of the transfer address, and the signature result is a multi-signature wallet asset transfer confirmation code q2. The transfer of the asset is first changed by the owner of the contract wallet, the amount of the asset after the change is in a frozen state, and the balance transfer is completed by using a transfer confirmation code q2. The program generates different signatures according to different amounts, the generated signatures are matched with the amount S and contain a default value of a transfer-out target address, and when the asset is transferred out, the balance is confirmed to be transferred out to the walletB by inputting the transfer-out target walletB address.
S120, the receiver B acquires a check code cadr0, a transfer amount S and a query verification code q1 from the transfer party A, verifies a wallet address walletA of a check source based on an asymmetric encryption algorithm and a digital signature verification algorithm built in a contract on the intelligent contract C according to the check code cadr0 and the query verification code q1, and changes the wallet address walletB of the receiver B into a unique inquireable and transfer address to finish the change of a contract wallet owner.
After invoking the contract wallet, i.e. check code addr 0, with q1 as a parameter, the block of the public chain already contains the transfer record of the address a, and the verification in S200 can also be regarded as looking up the address walletA of the incoming wallet.
Specifically, the transfer-out party A prints a check code cadr0, a transfer-in amount S and a query verification code q1 on paper credentials; the receiver B obtains the paper certificate from the transfer-out party a, thereby obtaining the check code cadr0, the transfer-in amount S, and the inquiry verification code q1.
S130, the receiver B uses the transfer confirmation code q2 and the signature of the receiver B to unlock the amount S in a frozen state. The owner of the contract wallet has now become B, but the transfer amount also requires an asset transfer signature q2, at which point the amount in the contract wallet corresponds to a frozen state, and no one is available.
S140, the receiver B uses the transfer confirmation code q2 and the private key pkB to sign and then present the amount S from the intelligent contract C to the personal wallet address wallet B, and the electronic check code cadr0 is invalid.
The electronic check transaction method based on the blockchain provided by the embodiment of the invention has the advantages of data consistency and non-repudiation. The transaction system is based on a distributed network, the data are stored in a plurality of block chain nodes in a redundant mode, and the consistency of the data is guaranteed. Meanwhile, the method adopts a digital signature mechanism to provide non-repudiation service so as to prevent fraud. Once the signature of the transaction initiator is used by the receiver, the transaction cannot be canceled, wherein the signature of the transaction initiator on the transaction information is included, and the transaction initiator cannot deny the transaction conducted by the transaction initiator because only the transaction initiator knows the private key of the transaction initiator. Likewise, the recipient, after signing with his own associated wallet address, also has its signature stored within the contract so that it cannot deny the transaction.
In correspondence with the above embodiment 1, embodiment 2 of the present invention proposes a blockchain-based electronic check transaction system, as shown in fig. 2, including:
the check generation module 210 is configured to make the takeout party a drive the specified amount S into an intelligent contract C created in advance on the blockchain, and generate a check code cadr0, a query verification code q1 and a transfer verification code q2 through an asymmetric encryption algorithm and a digital signature algorithm built in the intelligent contract C;
the wallet owner changing module 220 is configured to obtain, by the receiver B, a check code cadr0, a transfer amount S, and a query verification code q1 from the transfer party a, verify, on the intelligent contract C, a wallet address walletA from which the check is queried based on an asymmetric encryption algorithm and a digital signature verification algorithm built in the contract, and change the wallet address walletB of the receiver B to a unique queriable and transfer address to complete a change of the contract wallet owner;
a funds unlocking module 230 for unlocking the funds amount S in a frozen state by the receiver B using the transfer confirmation code q2 and the signature of the receiver B;
the transfer presenting module 240 is configured to present the amount S from the smart contract C to the personal wallet address wallet B after the receiver B signs the account with the private key pkB using the transfer confirmation code q2, and the electronic check code addr 0 is disabled.
Further, the check generation module 210 is specifically configured to:
the smart contract C creates a multi-signature contract wallet address, check encoded cadr0, where the contract wallet owner is set to transfer out a, bao Dezhi walletA;
the intelligent contract C signs the transfer amount S by using a private key pkA of the transfer party A through a built-in digital signature algorithm, the signature result is a query verification code q1, and the query verification code q1 is used as one of triggering conditions of transfer functions of a contract wallet owner;
meanwhile, the intelligent contract C calls a private key of the wallet address walletA to sign a signature which is consistent with the amount S and contains a default value of the transfer address, and the signature result is a multi-signature wallet asset transfer confirmation code q2.
Further, the system further comprises:
the printing module is used for printing the check code cadr0, the transfer-in amount S and the inquiry verification code q1 on the paper evidence by the transfer-out party A so that the receiving party B obtains the paper evidence by the transfer-out party A, thereby obtaining the check code cadr0, the transfer-in amount S and the inquiry verification code q1.
FIG. 3 is a specific implementation example of the system, which includes a check issuing terminal and a check verification module, implementing a corresponding transaction method through an intelligent contract created on a blockchain, wherein the intelligent contract is provided with an asymmetric encryption algorithm, a digital signature and digital signature verification algorithm module, and an on-link contract wallet, a migration event interface and a payment event interface.
The functions performed by each component in the electronic check transaction system based on blockchain provided in the embodiment of the present invention are described in detail in the above embodiment 1, so that redundant descriptions are omitted here.
While the invention has been described in detail in the foregoing general description and specific examples, it will be apparent to those skilled in the art that modifications and improvements can be made thereto. Accordingly, such modifications or improvements may be made without departing from the spirit of the invention and are intended to be within the scope of the invention as claimed.

Claims (6)

1. A blockchain-based electronic check transaction method, the method comprising:
the transfer-out party A transfers the appointed amount S into an intelligent contract C which is created in advance on the blockchain, and generates check code cadr0, inquiry verification code q1 and transfer confirmation code q2 through an asymmetric encryption algorithm and a digital signature algorithm which are built in the intelligent contract C; the intelligent contract C comprises a contract wallet creation program of a newly built single owner, a contract wallet owner attribute control function and a contract wallet balance transfer function;
the receiver B acquires the check code cadr0, the transfer amount S and the inquiry verification code q1 from the transfer party A, verifies the wallet address walletA of the check source on the intelligent contract C based on the asymmetric encryption algorithm and the digital signature verification algorithm built in the contract according to the check code cadr0 and the inquiry verification code q1, and changes the wallet address walletB of the receiver B into the unique inquireable and transfer address to finish the change of the contract wallet owner;
the receiver B uses the transfer confirmation code q2 and the signature of the receiver B to unlock the amount S in a frozen state;
the receiver B uses the transfer confirmation code q2 and the private key pkB to sign and then to present the amount S from the intelligent contract C to the personal wallet address wallett, and the electronic check code cadr0 is invalid;
generating check code cadr0, inquiry verification code q1 and transfer verification code q2 through an asymmetric encryption algorithm and a digital signature algorithm which are built in the intelligent contract C, wherein the method specifically comprises the following steps:
the smart contract C creates a multi-signature contract wallet address, check encoded cadr0, where the contract wallet owner is set to transfer out a, bao Dezhi walletA;
the intelligent contract C signs the transfer amount S by using a private key pkA of the transfer party A through a built-in digital signature algorithm, the signature result is a query verification code q1, and the query verification code q1 is used as one of triggering conditions of transfer functions of a contract wallet owner;
meanwhile, the intelligent contract C calls a private key of the wallet address walletA to sign a signature which is consistent with the amount S and contains a default value of the transfer address, and the signature result is a multi-signature wallet asset transfer confirmation code q2.
2. The blockchain-based electronic check transaction method of claim 1, wherein the asymmetric encryption algorithm includes an elliptic curve algorithm.
3. The blockchain-based electronic check transaction method of claim 1, further comprising:
the transfer-out party A prints the check code cadr0, the transfer-in amount S and the inquiry verification code q1 on paper credentials;
the receiver B obtains the paper certificate from the transfer-out party A, thereby obtaining the check code cadr0, the transfer-in amount S and the inquiry verification code q1.
4. The blockchain-based electronic check transaction method of claim 1, wherein the blockchain includes an ethernet blockchain.
5. A blockchain-based electronic check transaction system, the system comprising:
the check generation module is used for the transfer party A to transfer the appointed amount S into an intelligent contract C which is created in advance on the blockchain, and generates a check code cadr0, a query verification code q1 and a transfer verification code q2 through an asymmetric encryption algorithm and a digital signature algorithm which are built in the intelligent contract C;
the wallet owner changing module is used for acquiring the check code cadr0, the transfer-in amount S and the inquiry verification code q1 from the transfer-out party A by the receiving party B, verifying the wallet address walletA of the check source on the intelligent contract C based on an asymmetric encryption algorithm and a digital signature verification algorithm built in the contract according to the check code cadr0 and the inquiry verification code q1, and changing the wallet address walletB of the receiving party B into a unique inquireable and transfer-in address to complete the change of the contract wallet owner;
the fund unlocking module is used for unlocking the fund amount S in a frozen state by the receiver B through the transfer confirmation code q2 and the signature of the receiver B;
the transfer and presentation module is used for presenting the amount S from the intelligent contract C to the personal wallet address wallet B after the receiver B signs by using the transfer confirmation code q2 and the private key pkB, and meanwhile, the electronic check code cadr0 is invalid;
the check generation module is specifically configured to:
the smart contract C creates a multi-signature contract wallet address, check encoded cadr0, where the contract wallet owner is set to transfer out a, bao Dezhi walletA;
the intelligent contract C signs the transfer amount S by using a private key pkA of the transfer party A through a built-in digital signature algorithm, the signature result is a query verification code q1, and the query verification code q1 is used as one of triggering conditions of transfer functions of a contract wallet owner;
meanwhile, the intelligent contract C calls a private key of the wallet address walletA to sign a signature which is consistent with the amount S and contains a default value of the transfer address, and the signature result is a multi-signature wallet asset transfer confirmation code q2.
6. The blockchain-based electronic check transaction system of claim 5, further comprising:
the printing module is used for printing the check code cadr0, the transfer-in amount S and the inquiry verification code q1 on the paper document by the transfer-out party A so that the receiver B obtains the paper document by the transfer-out party A, thereby obtaining the check code cadr0, the transfer-in amount S and the inquiry verification code q1.
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