CN113034148B - 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
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- CN113034148B CN113034148B CN202010632476.2A CN202010632476A CN113034148B CN 113034148 B CN113034148 B CN 113034148B CN 202010632476 A CN202010632476 A CN 202010632476A CN 113034148 B CN113034148 B CN 113034148B
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- 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
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- 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
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- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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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.
The Digital Dollar foundation and the edp Project of the egsen philosophy published a white paper at the end of 5 months of 2020, outlining the path for CBDC introduction in the united states. Reports suggest that without the U.S. digital dollar program, U.S. dollars may lose the world's status of reserve money, and therefore the most important purpose of a DDP project is to maintain U.S. dollar ownership. DDP proposes a token-based digital dollar system and retains commercial banks, drawing money through value-added services using the traditional bank + digital dollar model.
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 accounts have mapped token accounts in each token, that is, one account book account corresponds to the same user, 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 digital legal note processing.
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 currency 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.
FIG. 2 is a diagram illustrating interaction with a blockchain according to an embodiment of the present invention.
Claims (1)
1. A digital legal currency processing method based on block chain token and account book double authentication is characterized in that,
(1) the digital legal note processing method is completed by a digital legal note processing system 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, meanwhile, an account book account on a corresponding chain is generated, and the confirmation of the user identity comprises user real-name authentication or KYC;
(3) the method comprises the steps of recording account information of a user in a token intelligent contract related to a token, placing the account information in a block chain system, and maintaining one-to-one mapping between an account book account of the user and a token account;
(4) the user's ledger account and the token account are stored on a blockchain;
(5) when a transaction occurs, firstly, the identity of a transaction initiator is verified, and the identity of the transaction initiator is verified by using a secret key or public and private key cryptography means when the corresponding account book account is inquired through user information, so that the transaction initiator is ensured to be the user;
(6) inquiring a corresponding user account book account, the intelligent scrip and the scrip account book through user information, determining whether balance in the user account book account is consistent with balance of the scrip account book account through on-chain inquiry and intelligent scrip inquiry, and if the balance is inconsistent, ending the transaction;
(7) if the balance is consistent, the transaction enters the intelligent scrip contract for processing, and the processed balance of the scrip account is synchronized to the balance of the user account book for storage;
(8) a designer or a supervision unit of the digital legal note processing system can add a supervision mechanism to the account book system, wherein the supervision mechanism is an intelligent contract engaged in supervision, if a block chain system has multiple tokens, the system has multiple corresponding intelligent contracts of the tokens, and the system respectively maintains that account book accounts of users have mapped token accounts in each token, namely, one account book account corresponds to one user; or token accounts for multiple different tokens for the same user;
the user, the account book account and the token account are mutually associated to carry out association query; querying the token account through the ledger account or querying the ledger account through the token account.
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| 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 |
| CN114154969B (en) * | 2021-10-15 | 2023-02-03 | 北京天德科技有限公司 | Large-scale trading and settlement method based on block chain |
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| 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 |
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| US20180330342A1 (en) * | 2017-05-11 | 2018-11-15 | Gyan Prakash | Digital asset account management |
| GB201707788D0 (en) * | 2017-05-15 | 2017-06-28 | Nchain Holdings Ltd | Computer-implemented system and method |
| US20200051071A1 (en) * | 2017-07-27 | 2020-02-13 | Eland Blockchain Fintech Inc. | Electronic transaction system and method using a blockchain to store transaction records |
| CN109784886B (en) * | 2018-12-29 | 2023-02-28 | 贵州蓝石科技有限公司 | Custodable limited circulation dual account model |
| 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 |
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| 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 |
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