CN113034148A - Digital legal currency processing method based on block chain token and account book double authentication - Google Patents
Digital legal currency processing method based on block chain token and account book double authentication Download PDFInfo
- Publication number
- CN113034148A CN113034148A CN202010632476.2A CN202010632476A CN113034148A CN 113034148 A CN113034148 A CN 113034148A CN 202010632476 A CN202010632476 A CN 202010632476A CN 113034148 A CN113034148 A CN 113034148A
- Authority
- CN
- China
- Prior art keywords
- account
- token
- balance
- account book
- user
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Classifications
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a digital legal currency processing method based on block chain token and account book double authentication, which is used for solving the problem that the digital legal currency based on the token is difficult to monitor. The treatment method comprises the following steps: (1) the system is built based on a block chain technology; (2) when a user creates an account, the user identity needs to be confirmed and the uplink needs to be recorded, and meanwhile, a corresponding account book on the link is generated; (3) carrying out one-to-one mapping on an account in the intelligent token contract and an account book account; (4) chaining a user's ledger account and token account; (5) when a transaction occurs, firstly, the identity of a transaction initiator is verified; (6) the inquired corresponding account balance of the account book is consistent with the balance stored in the intelligent contract of the token, and if the balance is not consistent, the transaction is ended; (7) the balance is consistent, the transaction enters a token intelligent contract for processing, and the balance of the processed token account needs to be synchronized to the balance of the account book for storage; (8) the ledger can supervise.
Description
Technical Field
The invention belongs to the technical field of block chains and the field of digital legal coins, and particularly relates to a digital legal coin authentication method.
Background
The British project proposed by the Central Bank of the United kingdom in 2015, which opened the history of CBDC (Central Bank Digital Currency). The uk proposes that if a digital legal bank is issued, the central bank will compete with the commercial bank for the deposit, making the commercial bank difficult. Especially at financial risk, people convert bank deposits into CBDC, so that the bank deposits are reduced to the extent that money cannot be produced in a loan manner. In 1 month 2020, the european central row issued a research report that CBDC release should be performed at the architecture of the central-bank. It can be said that, in the past 4 years, commercial banks were protected as much as possible all over the world, and it was considered that abandoning commercial banks was too much changed.
Digital dollar tokenization is designed to mean that digital dollars are digitized cash, but the system only authenticates tokens without identity, and tokens may be lost once the token password is lost. Therefore, digital dollars, while simplifying the transaction settlement and clearing process and facilitating portability, have the disadvantage of overly protecting privacy and weakening regulatory authority.
Therefore, the invention provides a digital legal currency processing method based on block chain token and account book double authentication, which can solve the problems in the tokenization of the digital legal currency.
Disclosure of Invention
The invention provides a digital legal currency processing method based on block chain token and account book double authentication, which can ensure the supervision of digital legal currency while optimizing the traditional payment process and improving the settlement efficiency.
The processing method provided by the invention comprises the following steps:
(1) the digital legal note system is built based on a block chain technology;
(2) when a user creates a digital legal account, the user identity needs to be confirmed and the uplink needs to be recorded, and meanwhile, a corresponding on-chain account book account is generated;
(3) recording the account identification of the user in the intelligent token contract, or performing one-to-one mapping on the account and the account in the token;
(4) the account book account and the token account of the user are stored on the block chain;
(5) when a transaction occurs, firstly, the identity of a transaction initiator is verified;
(6) inquiring corresponding account book accounts, intelligent scripture of the token and token accounts through user information, confirming that the balance in the account book accounts is consistent with the balance of the token accounts through on-chain inquiry and intelligent scripture inquiry, and ending the transaction if the balance is inconsistent;
(7) the balance is consistent, the transaction enters a token intelligent contract for processing, and the balance of the processed token account needs to be synchronized to the balance of the account book for storage;
(8) a system designer or a supervision unit can add a supervision mechanism in the ledger system.
The confirmation of the user identity in the step (2) includes, but is not limited to, user real-name authentication, KYC (Know your customer ), and the like.
In the step (3), if there are multiple intelligent contracts for tokens, the account book has a token account mapped in each token, that is, the same user corresponds to one account book account, but may correspond to token accounts of multiple different tokens.
The two accounts in the steps (2) and (3) are respectively an account book account and a token account, both of the accounts can be associated with the actual user, the token account can be inquired through the account book account, and the account book account can be inquired through the token account.
When the transaction is carried out in the step (5), the identity of the transaction initiator needs to be authenticated by using the cryptography means such as the password, the public and private key and the like when the corresponding account is inquired through the user information, so that the transaction initiator is ensured to be the user.
The supervision mechanism in the step (8) may be an intelligent contract engaged in supervision in a certain embodiment, and these supervision mechanisms may prevent the transaction from being completed, effectively complete anti-money laundering, and the like.
The invention can be used for processing digital legal currency and various digital currencies.
Because of the anonymity of the token smart contracts themselves, digital legal tokens based on tokens alone are difficult to supervise. The invention introduces an account book system, stores the actually existing user information into the account book for supervision, and maps the account book and the token, so that the digital legal note transaction can be under supervision, and the credit risk and the liquidity risk of the transaction are reduced. The digital legal currency system designed based on the invention is just convenient to settle, the token still represents cash, but the system designer or the supervisor can deploy various different supervision mechanisms on the system by adding the supervision of the account book.
When the digital legal currency has no credit risk, the transaction can be accelerated, a large amount of social cost is saved, and the currency liquidity is greatly improved. The currency flow is accelerated and the economic development is accelerated.
Drawings
FIG. 1 is a schematic flow chart of a processing method proposed in the present invention;
FIG. 2 is a diagram illustrating interaction with a blockchain according to an embodiment of the present invention.
Detailed description of the preferred embodiments
In the following description, numerous technical details are set forth in order to provide a better understanding of the present application, but it will be apparent to those of ordinary skill in the art that the present invention is not limited to these technical details and that various changes and modifications can be made based on the following embodiments.
There are digital legal coin systems based on block chains, which are implemented using the method of the present invention. When a user A wants to buy the digital legal money, the user A needs to open an account on the system. And (3) after the user A confirms the identity, the account opening operation is completed, the user self-stores the account password and the account private key, and as shown in step 1 of FIG. 2, the account book account and the authentication information corresponding to the user A need to be linked and stored. In addition, the user A opens an account corresponding to the digital legal currency, namely, the user account is recorded in the digital legal currency contract through the execution of the intelligent contract, and the balance of the account corresponding to the account book is updated, at this moment, the user A does not perform digital legal currency transaction, the balance of the digital legal currency is 0, and the step 2 in the figure corresponds to. After the establishment of the related account is completed, the account book account of the user A can be inquired in a digital legal instrument system of the bank through the personal information of the user A, the balance of the digital legal instrument is 0, and the balance of the digital legal instrument is also 0 through the intelligent contract inquiry. When the user A purchases the digital legal instrument 500, the operation of the intelligent contract is triggered. As shown in step 3, before the contract is executed, firstly, the account balance of the user A is inquired to be 0 through the account book, and meanwhile, the account balance in the digital legal contract is also inquired to be 0, and the two are consistent, so that the transaction can be carried out. The digital legal instrument intelligent contract executes the operation of purchasing 500 in the account of the user A, the balance of the account of the user A in the intelligent contract is increased to 500, and the balance is updated to the account book account of the user A, namely step 4 in fig. 2. After the intelligent contract is executed and the chain is linked, the balance of the digital legal currency in the account book of the user A is 500, and the balance of the account book of the user A is also 500 in the data state of the intelligent contract.
The foregoing is directed to embodiments of the present invention, and it is understood that various changes and modifications may be made by those skilled in the art without departing from the spirit and scope of the invention.
Claims (3)
1. A digital legal currency (or digital currency) processing method based on block chain token and account book double authentication is characterized in that:
(1) the digital legal note system is built based on a block chain technology;
(2) when a user creates a digital legal account, the user identity needs to be confirmed and the uplink needs to be recorded, and meanwhile, a corresponding on-chain account book account is generated;
(3) recording the account identification of the user in the intelligent token contract, or performing one-to-one mapping on the account and the account in the token;
(4) the account book account and the token account of the user are stored on the block chain;
(5) when a transaction occurs, firstly, the identity of a transaction initiator is verified;
(6) inquiring corresponding account book accounts, intelligent scripture of the token and token accounts through user information, confirming that the balance in the account book accounts is consistent with the balance of the token accounts through on-chain inquiry and intelligent scripture inquiry, and ending the transaction if the balance is inconsistent;
(7) the balance is consistent, the transaction enters a token intelligent contract for processing, and the balance of the processed token account needs to be synchronized to the balance of the account book for storage;
(8) the system designer or the supervising entity can add a supervising mechanism in the ledger system.
2. The digital legal instrument processing method based on the double authentication of the block chain token and the account book as claimed in claim 1, wherein: if there are multiple intelligent contracts for tokens, the ledger account has a mapped token account in each token, i.e. one ledger account for the same user, but possibly token accounts for multiple different tokens.
3. The digital legal instrument processing method based on the double authentication of the block chain token and the account book as claimed in claim 1, wherein: the user, the account book account and the token account are mutually related and can be used for carrying out related inquiry.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010632476.2A CN113034148B (en) | 2020-07-03 | 2020-07-03 | Digital legal currency processing method based on block chain token and account book double authentication |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010632476.2A CN113034148B (en) | 2020-07-03 | 2020-07-03 | Digital legal currency processing method based on block chain token and account book double authentication |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN113034148A true CN113034148A (en) | 2021-06-25 |
| CN113034148B CN113034148B (en) | 2022-05-17 |
Family
ID=76458899
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010632476.2A Active CN113034148B (en) | 2020-07-03 | 2020-07-03 | Digital legal currency processing method based on block chain token and account book double authentication |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113034148B (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113450093A (en) * | 2021-07-06 | 2021-09-28 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
| CN114154969A (en) * | 2021-10-15 | 2022-03-08 | 北京天德科技有限公司 | Large-scale trading and settlement method based on block chain |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109064151A (en) * | 2018-10-23 | 2018-12-21 | 北京金山安全软件有限公司 | Transfer method, device, electronic equipment and storage medium |
| CN109325830A (en) * | 2018-09-18 | 2019-02-12 | 中国科学院重庆绿色智能技术研究院 | A method of it is established based on block chain technology and abroad buys platform on behalf |
| CN109784886A (en) * | 2018-12-29 | 2019-05-21 | 贵州蓝石科技有限公司 | The dual accounts model for the restricted circulation that can be supervised |
| CN110612546A (en) * | 2017-05-11 | 2019-12-24 | 维萨国际服务协会 | Digital asset account management |
| CN110651291A (en) * | 2017-05-15 | 2020-01-03 | 区块链控股有限公司 | Out-of-secure chain block chain transactions |
| US20200051071A1 (en) * | 2017-07-27 | 2020-02-13 | Eland Blockchain Fintech Inc. | Electronic transaction system and method using a blockchain to store transaction records |
| CN110956457A (en) * | 2019-11-22 | 2020-04-03 | 肖光昱 | Block chain-based fund digital transfer payment clearing method, device and medium |
| CN111275483A (en) * | 2020-01-15 | 2020-06-12 | 厦门顺势共识信息科技有限公司 | Block chain-based point distribution and circulation method |
-
2020
- 2020-07-03 CN CN202010632476.2A patent/CN113034148B/en active Active
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110612546A (en) * | 2017-05-11 | 2019-12-24 | 维萨国际服务协会 | Digital asset account management |
| CN110651291A (en) * | 2017-05-15 | 2020-01-03 | 区块链控股有限公司 | Out-of-secure chain block chain transactions |
| US20200051071A1 (en) * | 2017-07-27 | 2020-02-13 | Eland Blockchain Fintech Inc. | Electronic transaction system and method using a blockchain to store transaction records |
| CN109325830A (en) * | 2018-09-18 | 2019-02-12 | 中国科学院重庆绿色智能技术研究院 | A method of it is established based on block chain technology and abroad buys platform on behalf |
| CN109064151A (en) * | 2018-10-23 | 2018-12-21 | 北京金山安全软件有限公司 | Transfer method, device, electronic equipment and storage medium |
| CN109784886A (en) * | 2018-12-29 | 2019-05-21 | 贵州蓝石科技有限公司 | The dual accounts model for the restricted circulation that can be supervised |
| CN110956457A (en) * | 2019-11-22 | 2020-04-03 | 肖光昱 | Block chain-based fund digital transfer payment clearing method, device and medium |
| CN111275483A (en) * | 2020-01-15 | 2020-06-12 | 厦门顺势共识信息科技有限公司 | Block chain-based point distribution and circulation method |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113450093A (en) * | 2021-07-06 | 2021-09-28 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
| CN113450093B (en) * | 2021-07-06 | 2023-02-24 | 山西特信环宇信息技术有限公司 | Real-time consensus authentication method and system for digital change wallet based on cone block chain |
| CN114154969A (en) * | 2021-10-15 | 2022-03-08 | 北京天德科技有限公司 | Large-scale trading and settlement method based on block chain |
Also Published As
| Publication number | Publication date |
|---|---|
| CN113034148B (en) | 2022-05-17 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107230051B (en) | Payment method and payment system of digital currency | |
| CN107230055B (en) | Method and system for paying digital currency | |
| US10535065B2 (en) | Secure payment transactions based on the public bankcard ledger | |
| Anderson | UEPS—A second generation electronic wallet | |
| WO2018115929A1 (en) | Method of, system for, data processing device, and integrated circuit device for implementing a distributed, ledger-based processing and recording of an electronic financial transaction | |
| CN107230053B (en) | Method and system for exchanging digital currency by cash | |
| EP3798965A1 (en) | Decentralized digital payment service system | |
| CN107230049B (en) | Method and system for providing digital currency | |
| CN107240010B (en) | Method and system for transferring digital currency to digital currency chip card | |
| CN108921531A (en) | Cross-border payment and settlement method based on block chain payment system | |
| CN113034148B (en) | Digital legal currency processing method based on block chain token and account book double authentication | |
| CN107230071B (en) | Method and system for exchanging digital currency into physical cash | |
| CN107330789A (en) | Method of commerce, system and device that a kind of investment based on digital cash is raised funds | |
| CN107230077B (en) | Method for exchanging and paying digital currency and digital currency system | |
| CN107230054B (en) | Method and system for depositing digital currency into a deposit account | |
| CN111724156A (en) | Payment system based on block chain | |
| CN107230076B (en) | Method and system for online payment of digital currency | |
| Ho et al. | The relative benefits and risks of stablecoins as a means of payment: A case study perspective | |
| Perlman | An introduction to digital financial services (DFS) | |
| CN107230074B (en) | Method and system for depositing digital currency into digital currency chip card | |
| Vaz et al. | Money without institutions, how can cryptocurrencies be trusted | |
| Conley | Blockchain Cryptocurrency backed with full faith and credit | |
| CN107230072B (en) | Method and system for online payment using digital currency chip card | |
| CN107230299B (en) | Bank storage method and system for digital currency | |
| Alcorn et al. | Legitimizing Bitcoin: Policy Recommendations |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |