CN113656492A

CN113656492A - Deposit list management method based on block chain and block chain system

Info

Publication number: CN113656492A
Application number: CN202110759896.1A
Authority: CN
Inventors: 李武璐
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2021-07-05
Filing date: 2021-07-05
Publication date: 2021-11-16

Abstract

The invention discloses a deposit receipt management method based on a block chain and a block chain system, and relates to the technical field of block chains. One embodiment of the method comprises: generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt; signing the deposit receipt uplink information by using a node public key; and sending the signed deposit receipt uplink information to a block chain, so that the verification node verifies the deposit receipt uplink information, and if the verification is passed, the deposit receipt uplink information is uplink, and the second node responds to a pledge request of the user for the deposit receipt of the user to provide pledge loan service for the user. The implementation mode can support the cross-institution mortgage and loan of the deposit receipt of the user, improve the selection flexibility of the user and reduce the financing cost of the user; the method has the advantages that efficient on-chain deposit validity verification is realized, the service handling period is shortened, and the user handling difficulty is reduced; the privacy information of each party is effectively protected, and meanwhile, validity verification and penetrating supervision audit under the privacy mode are adapted.

Description

Deposit list management method based on block chain and block chain system

Technical Field

The invention relates to the technical field of block chains, in particular to a deposit receipt management method based on a block chain and a block chain system.

Background

The regular deposit receipt is an important component of the deposit business of the commercial bank, the personal loan business based on deposit receipt pledge is beneficial to meeting the flexible fund demand of the personal deposit user, the business mode is clear, the risk is controllable, and the business bank has to pay attention to and exert strength. However, most of the current personal periodical deposit mortgage loan services are limited to be operated inside commercial banks, the commercial banks only accept the mortgage loan services archived by the banks, and the ecological mode of the deposit mortgage loan services among the cross institutions is not established.

Disclosure of Invention

In view of this, embodiments of the present invention provide a deposit receipt management method and a block chain system based on a block chain, which can support cross-institution mortgage and loan of user deposit receipt by constructing a cross-institution mortgage loan alliance chain, improve user selection flexibility, and reduce user financing cost; by using the block chain technology, the validity check of the deposit list on the efficient chain is realized, the service handling period is shortened, and the handling difficulty of the user is reduced; by using the privacy information processing method, the privacy information of each party is effectively protected, and meanwhile, validity verification and penetrating supervision audit under the privacy mode are adapted.

According to a first aspect of the embodiments of the present invention, there is provided a block chain-based deposit receipt management method, applied to a first node on a block chain, including:

generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt;

signing the deposit receipt uplink information by using a node public key;

and sending the signed deposit receipt uplink information to a block chain, so that a verification node of the block chain verifies the signed deposit receipt uplink information, and under the condition that the verification is passed, responding to a pledge request of a user aiming at the deposit receipt of the user by a second node of the deposit receipt uplink information and the block chain to provide pledge loan service for the user.

Optionally, the deposit receipt information includes at least one of: user identification, identification code, interest rate, term, amount; the identification code is used for uniquely representing a user deposit receipt.

Optionally, the deposit receipt information further includes: a random number.

Optionally, the deposit list uplink information includes: a first uplink identifier;

generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt, comprising: and carrying out Hash processing on the deposit receipt information to obtain the first uplink identification.

Optionally, the deposit list uplink information includes: a second uplink identifier;

generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt, comprising: and encrypting the deposit receipt information by adopting an audit public key to obtain the second uplink identification.

Optionally, the deposit list uplink information includes: the deposit amount legality proof identification;

generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt, comprising: processing the amount by adopting a privacy commitment algorithm to obtain the amount commitment of the user deposit receipt; processing the money amount by adopting a range certification algorithm to obtain a legality certification of the user deposit receipt; and generating the deposit bill amount validity proof identification according to the amount commitment and the validity proof.

Optionally, the amount is processed by using the following auditable range algorithm to obtain the validity proof of the user deposit receipt:

selecting a generating element and an audit private key according to the selected elliptic curve group, and generating an audit public key according to the audit private key;

determining the amount commitment by adopting the privacy commitment algorithm according to the generating element, the audit public key and the amount;

selecting confusion element x and sub confusion element x_iI is 0, …, n-1, n is a positive integer; according to the selected confusion element x and the sub-confusion element x_iGenerating intermediate parameters;

binary expansion is carried out on the amount of money according to the selected sub-confusion element x_iGenerating a commitment set L by adopting the privacy commitment algorithm according to the binary expansion result;

determining a tracking key TK corresponding to each sub-obfuscating element₀,…,TK_n-1Determining a random number by using a hash function, and tracking the TK according to the tracking key_iAnd said random number determining public key set L_PK；

Updating the generator according to the random number to obtain an updated generator, and using the updated generator to the public key set L_PKThe sub-obfuscating element, the monetary commitment, an intermediate parameter and a tracking key TK₀,…,TK_n-1Performing multi-ring signature to obtain a ring signature sigma;

determining a traceable interval proof result pi (c) ═ beta, L, TK of the monetary commitment of the user deposit receipt₀,…,TK_n-1σ), and obtaining the legality proof of the user deposit receipt.

Optionally, the deposit receipt management method according to the embodiment of the present invention further includes:

after the signed deposit receipt uplink information is sent to the block chain, the state of the user deposit receipt is set to be a first state, and the state of the user deposit receipt is set to be a second state under the condition that the pledge information aiming at the user deposit receipt and issued by a second node on the block chain is monitored, and then pledge confirmation information is sent to the block chain.

and after the state of the user deposit receipt is set to be the second state, sending the pledge confirmation information to the blockchain, so that the second node can give credit and release money to the user under the condition of monitoring the pledge confirmation information.

and after the signed deposit list uplink information is sent to the block chain, sending the random number to the second node under the condition of receiving a random number request which is sent by the second node and aims at the deposit list of the user.

after the state of the user deposit receipt is set to the second state, the state of the user deposit receipt is set to the first state under the condition that the escort information issued on the blockchain and aiming at the user deposit receipt is monitored.

and after the state of the user deposit list is set to be a first state, updating a random number corresponding to the user deposit list, and updating deposit list uplink information of the user deposit list according to the updated random number.

Optionally, the deposit receipt management method according to the embodiment of the present invention further includes: when a request for drawing part or all of the deposits in the user deposit list, which is sent by a second node on a block chain, is received, transferring the part or all of the deposits in the user deposit list to the second node;

and the request for drawing part or all of the deposit in the user deposit receipt is sent by the second node when the condition that the pledge repayment process of the user deposit receipt is abnormal is monitored.

According to a second aspect of the embodiments of the present invention, there is provided a block chain-based deposit receipt management method, applied to a second node on a block chain, including:

analyzing deposit receipt information of a deposit receipt of the user from a pledge request of the user; the user deposit list adopts the method uplink provided by the first aspect of the embodiment of the invention;

according to the deposit receipt information, obtaining the deposit receipt of the user and deposit receipt uplink information thereof from a block chain;

checking the deposit receipt uplink information and the state of the deposit receipt of the user, and granting credit and paying money to the user under the condition that the checking is passed.

before credit granting and payment depositing to a user, generating pledge information aiming at the deposit receipt of the user, issuing the pledge information to a block chain, so that a first node sets the deposit receipt of the user to be in a second state under the condition that the pledge information is monitored, and then sending pledge confirmation information to the block chain; and confirming and monitoring the pledge confirmation information.

Optionally, the checking the deposit list uplink information of the user deposit list includes:

sending a random number request aiming at the deposit receipt of the user to a first node, receiving the random number sent by the first node, and checking deposit receipt uplink information of the deposit receipt of the user according to the random number.

responding to a mortgage request of the user for the user deposit receipt, and verifying whether the user agrees to pay in full amount according to loan; and under the condition that the user agrees to pay in full amount according to the loan, generating the mortgage information aiming at the deposit receipt of the user, and issuing the mortgage information to a block chain, so that the first node sets the deposit receipt of the user to be in a first state under the condition that the mortgage information is monitored.

monitoring whether the pledge repayment process of the user deposit receipt is abnormal or not; when monitoring that the pledge repayment process of the user deposit receipt is abnormal, sending a request for withdrawing part or all of the deposit in the user deposit receipt to a first node, so that the first node transfers part or all of the deposit in the user deposit receipt to a second node when receiving the request for withdrawing part or all of the deposit in the user deposit receipt sent by the second node.

According to a third aspect of the embodiments of the present invention, a deposit receipt management method based on a blockchain is provided, which is applied to a supervisory node on the blockchain, where the supervisory node checks service data of the deposit receipt of a user through an audit private key; the user deposit list adopts the method uplink provided by the first aspect of the embodiment of the invention.

According to a fourth aspect of the embodiments of the present invention, there is provided a blockchain system for inventory management, including: a first node, a verification node and a second node; wherein,

the first node generates deposit receipt uplink information according to the deposit receipt information of the user deposit receipt; signing the deposit receipt uplink information by using a node public key; sending the signed deposit list uplink information to a block chain;

the verification node verifies the signed deposit receipt uplink information and uplinks the deposit receipt uplink information under the condition that the verification is passed;

the second node provides the user with a pledge loan service in response to a pledge request of the user for the user deposit receipt.

Optionally, the deposit receipt information further includes: a random number.

the first node generates deposit receipt uplink information according to the deposit receipt information of the deposit receipt of the user, and the method comprises the following steps: and carrying out Hash processing on the deposit receipt information to obtain the first uplink identification.

Optionally, the deposit list uplink information includes: a second uplink identifier; the blockchain system further comprises a supervisory node;

the first node generates deposit receipt uplink information according to the deposit receipt information of the deposit receipt of the user, and the method comprises the following steps: and the first node encrypts the deposit receipt information by adopting an audit private key of the supervision node to obtain the second uplink identification.

the first node generates deposit receipt uplink information according to the deposit receipt information of the deposit receipt of the user, and the method comprises the following steps: the first node processes the money by adopting a privacy commitment algorithm to obtain the money commitment of the user deposit receipt; the first node processes the money amount by adopting a range certification algorithm to obtain a legality certification of the user deposit receipt; and the first node generates the deposit receipt amount validity proof identification according to the amount commitment and the validity proof.

Optionally, the first node processes the amount of money by using the following auditable range algorithm to obtain the validity proof of the user deposit receipt, and obtains the validity proof of the user deposit receipt:

Optionally, the first node is further configured to: after the signed deposit list uplink information is sent to a block chain, setting the state of the deposit list of the user to be a first state;

the second node responds to a pledge request of a user for the user deposit receipt, provides pledge loan service for the user and comprises: the second node analyzes deposit receipt information of the deposit receipt of the user from the pledge request of the user, acquires the deposit receipt of the user and deposit receipt uplink information thereof from the block chain according to the deposit receipt information, verifies the deposit receipt uplink information and the state of the deposit receipt of the user, and grants the credit and releases the money to the user under the condition that the verification is passed.

Alternatively,

before granting credit and depositing money to a user, a second node generates pledge information aiming at the deposit receipt of the user and issues the pledge information to a block chain;

the first node sets the state of the user deposit receipt to be a second state under the condition that the first node monitors the pledge information, and then sends pledge confirmation information to the block chain;

and the second node grants credit and deposits to the user after monitoring the pledge confirmation information.

Optionally, the checking, by the second node, the deposit list uplink information of the deposit list of the user includes: the second node sends a random number request aiming at the deposit receipt of the user to the first node, receives the random number sent by the first node, and verifies the deposit receipt uplink information of the deposit receipt of the user according to the random number;

the first node is further configured to: and after receiving a random number request which is sent by the second node and aims at the deposit receipt of the user, sending the random number to the second node.

Optionally, the second node is further configured to: responding to a mortgage request of the user for the user deposit receipt, and verifying whether the user agrees to pay in full amount according to loan; generating the pledge information aiming at the deposit receipt of the user under the condition that the user appoints full repayment according to the loan, and issuing the pledge information to a block chain;

the first node is further configured to: and under the condition that the un-escorting information aiming at the user deposit receipt issued by a second node on the block chain is monitored, setting the state of the user deposit receipt to be a first state, updating a random number corresponding to the user deposit receipt, and updating deposit receipt uplink information of the user deposit receipt according to the updated random number.

Optionally, the second node is further configured to: monitoring whether the pledge repayment process of the user deposit receipt is abnormal or not; when monitoring that the pledge repayment process of the user deposit receipt is abnormal, sending a request for withdrawing part or all of deposits in the user deposit receipt to a first node;

the first node is further configured to: and transferring part or all of the deposit in the user deposit list to the second node when receiving a request for drawing part or all of the deposit in the user deposit list sent by the second node.

Optionally, the deposit receipt management system of the embodiment of the present invention further includes a monitoring node, configured to view the service data of the user deposit receipt through the audit private key.

According to a fifth aspect of the embodiments of the present invention, there is provided an electronic device for inventory management based on a block chain, including:

one or more processors;

a storage device for storing one or more programs,

when the one or more programs are executed by the one or more processors, the one or more processors implement the methods provided in the first to third aspects of the embodiments of the present invention.

According to a sixth aspect of the embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method provided by the first to third aspects of the embodiments of the present invention.

One embodiment of the above invention has the following advantages or benefits: by constructing a cross-institution pledge loan alliance chain, the cross-institution pledge and loan of the user deposit list can be supported, the selection flexibility of the user is improved, and the financing cost of the user is reduced; by using the block chain technology, the validity check of the deposit list on the efficient chain is realized, the service handling period is shortened, and the handling difficulty of the user is reduced; by using the privacy information processing method, the privacy information of each party is effectively protected, and meanwhile, validity verification and penetrating supervision audit under the privacy mode are adapted.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram illustrating a main flow of a block chain-based deposit receipt management method according to an embodiment of the present invention;

FIG. 2 is a diagram illustrating the main flow of user's deposit-order uplink in an embodiment of the present invention;

FIG. 3 is a schematic diagram illustrating the main flow of a user deposit book according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of the main flow of the user deposit list deactivation in the embodiment of the present invention;

FIG. 5 is a diagram of the primary nodes of a blockchain system for inventory management in an embodiment of the present invention;

FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

fig. 7 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

Terms involved in the examples of the present invention are explained below:

digital signature (Digital signature): in the branch of the asymmetric password, a user generates a public and private key, the user reserves the private key, the user uses the private key to sign any message, the verifier can verify the validity of the signature by using the public key, and the digital signature realizes the authentication of identity and the verification of data integrity.

Message (Message): bit strings of arbitrary length.

Double flower (Double spinning): an untrue user on the blockchain spends two times a money transaction.

Asymmetric encryption algorithm (Asymmetric encryption system): the asymmetric encryption algorithm is different from the traditional symmetric encryption algorithm, and the security is ensured based on the asymmetry of the computation complexity in the encryption and decryption processes. In an asymmetric encryption system, an encryption party generates a private key and a public key pair. The private key itself remains and the public key can be sent to the other party.

Ring signature (Ring signature): a special digital signature scheme is characterized in that a signer generates a public key set by using public keys of the signer and users of the signer, then the signer signs by using a private key of the signer, and a verifier can only know a certain user of the public key set of the signature but cannot know the specific identity of the user after verifying the validity of the signature, so that the identity privacy protection of the signer is realized.

Linkable ring signature (Linkable ring signature): a special ring signature scheme is characterized in that a user needs to provide label information when performing ring signature, and when the user performs illegal signature (or illegal transactions such as double flowers), whether the signature is illegal (double flower transaction) can be judged by comparing transaction labels, so that safe transaction guarantee is realized.

Pedersen commitment (Pedersen commitment): for the amount or amount a, a is bound to the commitment Com g using the structure of the discrete logarithm problem^xh^aIn the transaction process, only the commitment value Com of the amount is disclosed, and the confidential amount transmission is realized.

Range proof (Range proof): for binding commitment of a certain amount, a zero-knowledge proof system is provided, wherein the amount belongs to a specified interval range, and specific amount information is not disclosed.

Bulletproofs: the current mainstream zero-knowledge proof framework can be used for realizing interval proof, has small proof size and high verification speed, is widely applied to block chain systems such as new-version Menlo coins and the like, but cannot provide a supervision function.

Proof of acceptance (commit proof): for commitment Com ═ g^xh^aThe acceptance certificate pi gives the proof that the user knows x, a and is marked as pi (g)^xh^a)。

Auditable range proof (Auditable range proof): by the supervision public key of the supervisor, the prover can give out that a certain amount of money belongs to a specified range, and the proof meets zero knowledge (no money information is leaked) for a common verification user; the supervision party can solve the specific amount through the certification, and the supervision and audit function is realized.

The invention uses alliance block chain infrastructure to construct a cross-organization user deposit mortgage method and system, and the following outlines the attributes and roles of all participating bodies in the block chain system:

1. financial institutions such as banks: providing a fixed-term deposit service for a user, providing deposit mortgage and loan service for the user, obligating to carry out unconditional cashing on a legal deposit book of a home bank, playing the role of a block chain common node (a coalition member) in a block chain system (a coalition main body consists of various financial institutions), chaining the deposit book of the legal user, and chaining the mortgage and loan information;

2. verifying the node: the method comprises the steps of undertaking transaction verification, consensus, chain linking and other works, carrying out validity check on related information issued on a chain by a common node of a block chain, and linking legal information, wherein in an actual system, a verification node can play a verification role for financial institutions such as banks and the like or a specific node designated by alliances or regulatory agencies;

3. the individual user: ordinary users, who have carried on the regular deposit business in the bank, are the owners of deposit slips, and need to loan through the deposit slip of the quality assurance, in order to meet the personal temporary fund demand, the personal users have no role in the block chain system, do not belong to the union member, can only handle the business and enjoy the service, but can look over the data related to deposit slips oneself on the chain through the bank node;

4. a supervision mechanism: the supervision authorities generally refer to the supervision authorities of bank supervision, central bank and the like, play the role of a blockchain supervision node in a blockchain system, have the authority to check regular deposit receipt service and data, check the pledge loan condition and supervise and manage actual services, but are not responsible for daily management and maintenance of the system and do not participate in daily business work such as transaction confirmation, legal uplink and the like.

According to the first, second and third aspects of the embodiments of the present invention, a block chain-based deposit receipt management method is provided, which is applied to a first node, a second node and a supervision node on a block chain, respectively. The first node and the second node respectively refer to a common node in the blockchain system, and the first node and the second node are different.

Fig. 1 is a schematic diagram of a main flow of a block chain-based deposit receipt management method in an embodiment of the present invention, and as shown in fig. 1, the block chain-based deposit receipt management method is implemented by relying on a first node, a second node, and a verification node. The first node generates deposit receipt uplink information according to deposit receipt information of a user deposit receipt; signing the deposit receipt uplink information by using a node public key; sending the signed deposit list uplink information to a block chain; the verification node verifies the signed deposit receipt uplink information and uplinks the deposit receipt uplink information under the condition that the verification is passed (when the verification node uplinks, the verification node can issue uplink information which indicates successful uplink to the block chain so that the node on the block chain can know the deposit receipt related information of the uplink in time); the second node provides a pledge loan service for the user in response to a pledge request by the user for the user deposit receipt. The embodiment of the invention can support the cross-institution mortgage and loan of the deposit receipt of the user by constructing the cross-institution mortgage loan alliance chain comprising the verification node and a plurality of common nodes, thereby improving the selection flexibility of the user and reducing the financing cost of the user; by using the block chain technology, the validity check of the deposit list on the efficient chain is realized, the service handling period is shortened, and the handling difficulty of the user is reduced; by using the privacy information processing method, the privacy information of each party is effectively protected, and meanwhile, validity verification and penetrating supervision audit under the privacy mode are adapted.

The deposit receipt information refers to information related to deposit receipt of the user, the content of the deposit receipt information can be selectively set according to the actual situation, and optionally, the deposit receipt information includes at least one of the following: user identification, identification code, interest rate, term, amount. Wherein the identification code is used to uniquely represent a user deposit receipt. The deposit receipt uplink information is a ciphertext form of the deposit receipt information. In the practical application process, the deposit receipt information can also comprise a random number, which is used for further increasing the randomness of the cryptograph form and improving the privacy protection. In the embodiment of the invention, the deposit receipt information is not directly uplink but is converted into the deposit receipt uplink information in a cryptograph form. By using the privacy information processing method, the privacy information of the deposit receipt on the chain can be protected from being leaked, and cross-organization deposit receipt verification and penetrating supervision audit in the process of pledge can be supported.

In some optional embodiments, the deposit-list uplink information includes a first uplink identifier. Generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt comprises the following steps: and carrying out Hash processing on the deposit receipt information to obtain the first uplink identification. Illustratively, a bank speaks w₁H (user ID, interest rate, deadline, amount, random number) is used as the first uplink ID, wherein the random number is generated by the bank node and the user does not have knowledge of the random number. The receipt information is hidden in a Hash mode, privacy protection can be improved, and the algorithm is simple and convenient to achieve.

In still other alternative embodiments, the deposit-single uplink information includes a second uplink identification. Generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt comprises the following steps: and encrypting the deposit receipt information by adopting an audit public key to obtain the second uplink identification.

The audit public key is the public key of the regulatory body. Illustratively, the first node encrypts the deposit receipt information by using the audit public key to obtain a ciphertext w₃＝Enc_PK(user ID, identification code, interest rate, time limit, amount of money a, random number) as a second uplink identifier for the supervisor to open a deposit letter with the supervisor private keyAnd more comprehensive supervision is carried out. In the practical application process, if the second uplink identifier is not generated on the chain, the deposit receipt information can also be reported in an offline reporting mode.

In some further alternative embodiments, the deposit receipt uplink information includes a deposit receipt amount validity proof identification. Generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt comprises the following steps: processing the amount by adopting a privacy commitment algorithm to obtain the amount commitment of the user deposit receipt; processing the money amount by adopting a range certification algorithm to obtain a legality certification of the user deposit receipt; and generating the deposit bill amount validity proof identification according to the amount commitment and the validity proof.

A privacy commitment algorithm: for the privacy amount a, using the structure of discrete logarithm problem, a can be bound to the commitment Com-g by using the Pedersen commitment mechanism^xh^aWherein g and h are elliptic curve group elements

a, x are ordinary scalars

Wherein a is ∈ [0,2 ]ⁿ-1]Belonging to a specific range of valid amounts, x is called a confuser. Only the commitment value Com of the sum is disclosed in the uplink process, and any attacker cannot recover any valid information of the sum a according to the commitment value Com based on the hiding property and the binding property of the privacy commitment, so that the secret sum transmission is realized. In the practical application process, g can be specified in advance or specified by the national Bureau, and is modified periodically.

Range proof (Range proof): for binding commitment of a certain amount, a zero-knowledge proof system is provided, wherein the amount belongs to a specified interval range, and specific amount information is not disclosed. The range certification is a special zero-knowledge certification system in nature and has strong privacy.

When the deposit receipt amount validity proof identifier is generated according to the amount commitment and the validity proof, the amount commitment and the validity proof can be signed, and the signed content is used as the deposit receipt amount validity proof identifier. The embodiment of the invention can greatly improve the privacy of the deposit receipt information after the deposit receipt uplink of the user.

selecting confusion element x and sub confusion element x_iI is 0, …, n-1, according to the selected confusion x and sub-confusion x_iGenerating intermediate parameters;

Illustratively, the auditable range algorithm of the embodiment of the invention is divided into four sub-algorithms of initialization, certification, verification and audit:

firstly, in initialization, elliptic curve group is selected

RandomSelecting a generator

Supervisor random selection

As an audit private key, calculating an audit public key h as g^yAnd keeping y as an audit private key, and disclosing public parameters by the system

Secondly, in the certification stage, the process is adopted to generate a legality certification, which is exemplarily as follows:

randomly generating confusion element x according to privacy commitment algorithm c-g^xh^aWherein a ∈ [0,2 ]ⁿ-1, randomly selecting sub-confusing elements

Calculating beta-x₀-…-x_n-1Simultaneously, the sum a is expanded into a polynomial a ═ a in a binary mode₀+…+2ⁱa_i+…+2^n-1a_n-1(ii) a Wherein a is_i0, 1; (the characters of the obfuscation element, the sub-obfuscation element and the audit private key are equal in length, e.g., all three belong to

Representing a modulo-q integer ring, q usually taken to be 2²⁵⁶Q may also be taken to be 2⁶⁰、2¹²⁸、2³⁸⁴Etc. order of magnitude)

For each i-0, …, n-1, calculation

Note L_i＝(c_i,c′_i) For a sub-commitment set, L ═ L₀,…,L_n-1The promise set is used as the result;

for theEach i-0, …, n-1, calculating a tracking key

Then the random number is calculated: e.g. of the type₁＝H(L；TK₀,…,TK_n-1；1)，e₂＝H(L；TK₀,…,TK_n-1(ii) a 2) H represents a hash function;

for each i-0, …, n-1, a sub-bucket x is calculated_iCorresponding sub public key set

And public key set

According to

For obtaining the update generator g₁；

Running Borromean polycyclic signature σ ═ RSIG (L)_PK,x₀,…,x_n-1,c,β,TK₀,…,TK_n-1) Using update generator g when signing₁；

Determining a traceable interval proof result pi (c) ═ beta, L, TK for the output commitment c₀,…,TK_n-1σ), π (c) is the proof of validity of the user deposit;

thirdly, in the verification stage, the following aspects are verified:

1. verification g^β·∏c_iWhether c is correct or not;

2. authentication

Whether the result is true or not;

3. verifier calculates e₁＝H(L；TK₀,…,TK_n-1；1)，e₂＝H(L；TK₀,…,TK_n-1；2)；

4. For all i-0, …, n-1, the verifier calculates

To obtain

5. Verifying the correctness of the Borromean multi-ring signature sigma, wherein the verification process uses a generator as

Fourthly, in an auditing stage, auditing the following aspects:

1. for each bit i-0, …, n-1, the supervisor calculates

2. If it is not

Then output a_i＝0；

3. If it is not

Then output a_i＝1；

4. The supervisor calculates a as a₀+…+2ⁱa_i+…+2^n-1a_n-1As an audit result of the privacy dollar amount.

It should be noted that, the foregoing example is only a schematic illustration of the embodiment of the present invention, and does not limit the specific implementation manner of the embodiment of the present invention, for example, the foregoing example uses an elliptic curve encryption manner to determine the audit public and private key, and may also use other discrete logarithm encryption manners to determine the audit public and private key, the foregoing example may use multiple hashes to determine the random number when determining the random number, the foregoing example uses an AOS ring signature method to perform multi-ring signature, and so on.

The auditable range algorithm of the embodiment of the invention simultaneously supports privacy and supervision. For the cross-organization deposit receipt pledge loan business, the pledge loan business can be brought into the supervision range of a supervision mechanism, the supervision mechanism can acquire the deposit receipt amount and the information of actually occurring loan bank and loan value and the like, and the through supervision is realized, the supervision process does not need to be additionally communicated with related banks, and the higher supervision efficiency is realized.

Fig. 2 is a schematic diagram illustrating the main flow of subscriber deposit list uplink in the embodiment of the present invention. In an alternative embodiment shown in fig. 2, the deposit receipt uplink information includes a first uplink identifier, a second uplink identifier and a deposit receipt validity confirmation identifier. Illustratively, after the first node and the subscriber complete the deposit transaction, the first node generates deposit receipt uplink information by the following three steps:

(1) hiding the key information (user ID, identification code, interest rate, time limit, amount of money and random number) of the deposit receipt in a Hash mode, and calculating w₁H (user ID, interest rate, deadline, amount, random number) is stored as the first uplink ID, where the random number is used to randomize the output of the hash function to some extent, and is not handled by individual users.

(2) For amount of money

(

Representing a modulo-q integer ring, q usually taken to be 2²⁵⁶Order of magnitude) of the random generated confusion elements

Calculating the commitment c-g^xh^aThen, an auditable range algorithm is executed to obtain a validity proof pi (c) of the amount a, and w is calculated₂And (c, pi (c)) is stored as a deposit receipt amount validity proof mark.

(3) Encrypting the deposit receipt information by using the audit public key to obtain a ciphertext w₃＝Enc_PK(user ID, identification code)Interest rate, time limit, amount a, random number) as a second cochain identifier for the supervising authority to open deposit receipt information by using the supervising private key for more comprehensive supervision.

(4) Storing single uplink information w ═ w₁,w₂,w₃) And sending a signature Sig (w) of the self public key pair w to the blockchain for verifying and identifying uplink by the verification node, wherein the user deposit list after uplink is in a normal and not pledged state.

According to the privacy processing technique of the embodiment, the verification node and other nodes cannot acquire the privacy information contained in the deposit list through the uplink information.

After the user deposits the chain, the user may apply for pledge of the user to the first node or to another common node (e.g., the second node) other than the first node to obtain a loan. Optionally, after sending the signed deposit receipt uplink information to the blockchain, the first node sets the state of the user deposit receipt to a first state; the second node verifies the deposit receipt uplink information and the state of the user deposit receipt, generates pledge information aiming at the user deposit receipt under the condition that the verification is passed, and issues the pledge information to a block chain; the method comprises the steps that a first node sets the state of a user deposit receipt to be a second state under the condition that the first node monitors pledge information aiming at the user deposit receipt and issued by a second node on a block chain, and then sends pledge confirmation information to the block chain; and the second node grants credit and releases money to the user under the condition of monitoring the pledge confirmation information. The first state refers to a state in which the user deposit receipt can handle the pledge service, such as an ungraded state. In the actual application process, the first state can also be selectively set according to the actual situation, for example, the state of no pledge and normal deposit receipt (for example, the user account is not frozen). The second state is a state opposite to the first state, such as a pledge state. Through state management, and the second node gives credit and deposits to the user after the deposit receipt state is changed into the second state at the first node, the deposit receipt of the user can be prevented from being repeatedly pledged, the same deposit receipt is prevented from being loaned for multiple times at different nodes, and the real-time information interaction and combined wind control capability among all common nodes are improved.

Illustratively, the second node signs the user deposit receipt by using a self private key, and the signature information comprises the state of the user deposit receipt is changed into 'normal, pledged and pledged deadline', and the signed pledged information is sent to the block chain. After the first node receives the pledge information issued by the second node on the chain, the state of the user deposit receipt is changed into pledge in the internal data deposit receipt base, and then a confirmation signature is sent to the chain. And after receiving the confirmation information of the first node on the chain, the second node completes the credit granting and paying operation to the user.

The checking content for checking the deposit receipt uplink information of the user deposit receipt can be selectively set. For example, when the user applies for a pledge loan to the second node, the deposit receipt information of the deposit receipt of the user is disclosed to the second node, the second node performs hash processing on the deposit receipt information, whether the result obtained by the hash processing is the same as the first uplink identification of the deposit receipt of the user is judged, if so, the verification is passed, otherwise, the verification is not passed. For another example, whether the status of the user deposit receipt is normal is judged, if the status is normal (if the status is not pledged), the verification is passed, otherwise, the verification is not passed. Of course, the validity of the user deposit list can be verified, and the user can be verified through pre-credit wind control and the like. In an alternative embodiment shown in fig. 3, the deposit receipt information includes a random number. Since the random number is not grasped by the user, even if the user discloses the deposit slip information grasped by the user to the second node, the second node cannot acquire the random number. At this time, the second node sends a random number request for the user deposit receipt to the first node, and the first node sends the random number to the second node when receiving the random number request for the user deposit receipt sent by the second node. And the second node checks the deposit receipt uplink information of the deposit receipt of the user according to the random number under the condition of receiving the random number sent by the first node.

After the user completes the repayment of the loan, the second node needs to release the pledge for the user deposit. Optionally, the second node checks whether the user agrees to pay in full amount according to loan in response to the user's request for the mortgage of the user; and under the condition that the user agrees to pay in full amount according to the loan, generating the mortgage information aiming at the deposit receipt of the user, and issuing the mortgage information to a block chain. And the first node sets the state of the user deposit receipt into a first state under the condition that the escort information is monitored so as to update the state of the user deposit receipt in time.

Fig. 4 is a schematic diagram of a main flow of a user deposit receipt deactivation in the embodiment of the present invention. In the optional embodiment shown in fig. 4, after setting the state of the user deposit receipt to the first state, the first node may further update the random number corresponding to the user deposit receipt, update the deposit receipt uplink information of the user deposit receipt according to the updated random number, and then release uplink from the user deposit receipt again, so that other nodes can timely know the state of the user deposit receipt. The process of releasing uplink is described in the related description, and is not further described here.

Illustratively, the second node uses its own private key to sign the signature information for releasing the pledge to the user deposit receipt, and then issues the signed release information to the blockchain. After the first node receives the signature de-escorting information of the second node on the block chain, the deposit list information of the deposit list of the user is synchronously modified to generate a new random number, and a new deposit list uplink identification is calculated: w'₁H (user ID, interest rate, term, amount, new random number), w'₃＝Enc_PK(user ID, identification code, interest rate, time limit, amount of money a, new random number), the first node signs the new uplink identification of the user deposit receipt, updates the on-chain state of the deposit receipt to be normal and not pledged, sends all update information to the block chain, and completes the operation of removing pledge.

Optionally, the deposit receipt management method according to the embodiment of the present invention further includes: when a request for drawing part or all of the deposits in the user deposit list, which is sent by a second node on a block chain, is received, transferring the part or all of the deposits in the user deposit list to the second node; and the request for drawing part or all of the deposit in the user deposit receipt is sent by the second node when the condition that the pledge repayment process of the user deposit receipt is abnormal is monitored.

Illustratively, when abnormal events such as user loan default occur, the second node interacts with the first node, the second node performs early payment through the pledge deposit list, and the mandatory settlement loan (interest) operation is realized, and in the process, the rights and interests of the first node and the second node are not influenced.

The regular deposit receipt is an important component of the deposit business of the commercial bank, the personal loan business based on deposit receipt pledge is beneficial to meeting the flexible fund demand of the personal deposit user, the business mode is clear, the risk is controllable, and the business bank has to pay attention to and exert strength. The loan service potential market scale based on the individual periodic deposit mortgage is expected to reach the magnitude of trillion yuan RMB, and the service prospect is wide. However, most of the current personal periodical deposit mortgage loan services are limited to be operated inside commercial banks, the commercial banks only accept the mortgage loan services of the deposit of the local bank, and the ecological mode of the deposit mortgage loan services among the cross institutions is not established yet. The main reasons for this are the following:

1. true validity: the difficulty of authenticity identification and validity check of the deposit receipt of the cross-institution is high, deposit receipt systems between different banks cannot be communicated, the authenticity of the deposit receipt is difficult to directly verify, a personal user needs to process real validity proof between a deposit bank and a loan bank for many times, and the possibility of counterfeiting and fraud by a malicious user exists. Meanwhile, the user has the malicious behavior of carrying out loan for many times in different banks by using the same deposit receipt, the real-time information interaction and the combined wind control capability among the banks are insufficient, the requirement on the wind control capability of the loan bank is higher, and the bank dares not to loan;

2. willingness: for a deposit bank, a deposit receipt related individual user is an important customer resource, if the deposit receipt is mortgage to other banks to obtain loan, the income of a bank cannot be improved, and the risk of leakage and loss of customer resource information is caused, so that a commercial bank subjectively lacks the willingness of constructing a deposit receipt mortgage system among different institutions, and the bank is unwilling to loan. A corresponding mechanism needs to be established, the participation enthusiasm of each commercial bank to the business is improved, and the establishment of the whole ecological system is promoted;

3. privacy and supervision: the amount of money circulation in the traditional block chain system (ether house, super account book Fabric, etc.) is in a plaintext form, and privacy information such as deposit amount of a user cannot be effectively protected, so that an additional password technology is needed, the existing technical characteristics of the block chain are met, and meanwhile, the privacy information such as deposit amount, interest rate, time limit and the like is protected from being checked without joints, and higher privacy is realized. For the cross-institution deposit receipt pledge loan business, the pledge loan business must be brought into the supervision range of a supervision mechanism, the supervision mechanism has the right to acquire the pledge deposit receipt amount and the information of actually occurring loan bank and loan value and the like, and the through supervision is realized, and the supervision process does not need to be additionally communicated with related banks so as to realize higher supervision efficiency.

Compared with the prior art, the embodiment of the invention has the following advantages:

1. compared with the deposit mortgage loan business mode of a single organization, the embodiment of the invention can support the cross-organization mortgage and loan of deposit, improve the selection flexibility of the user and reduce the financing cost of the user;

2. compared with the cross-organization deposit receipt mutual recognition of the traditional offline mode, the embodiment of the invention uses the block chain technology, and realizes efficient on-chain deposit receipt validity verification through the cipher algorithms such as auditable range certification, unique identification codes, hash functions and the like, thereby shortening the service transaction period and reducing the user transaction difficulty;

3. compared with the traditional block chain communication mode of plaintext chaining, the method and the device for chaining the private information have the advantages that the private information processing method is used, the ciphertext and the hash value are chained, private information of all parties is effectively protected, and meanwhile validity verification and penetrating type supervision audit under the private mode are adapted.

In summary, the embodiment of the invention is a novel block chain-based trans-organization deposit mortgage scheme, and technologies such as auditable range certification, a hash function, a unique identification code and the like are comprehensively used, so that a novel scheme with multi-party mutual trust, privacy protection and supervision and audit compatibility is realized, and the invention has higher technology and application value.

According to a second aspect of the embodiments of the present invention, there is provided a block chain-based deposit receipt management method, applied to a second node on a block chain, including: analyzing deposit receipt information of a deposit receipt of the user from a pledge request of the user; the user deposit list adopts the method uplink provided by the first aspect of the embodiment of the invention; according to the deposit receipt information, obtaining the deposit receipt of the user and deposit receipt uplink information thereof from a block chain; checking the deposit receipt uplink information and the state of the deposit receipt of the user, and granting credit and paying money to the user under the condition that the checking is passed.

The supervising agencies such as the bank supervision and the administrative department can check the regular deposit receipt service and data through the supervision private key in the block chain system, check the pledge loan condition, supervise and manage the actual service, but do not participate in the daily business work such as transaction confirmation, legal uplink and the like.

According to a fourth aspect of embodiments of the present invention, there is provided a blockchain system for inventory management.

Fig. 5 is a schematic diagram of the main nodes of the blockchain system for inventory management according to an embodiment of the present invention. As shown in fig. 5, a blockchain system 500 for inventory management includes: a first node 501, a verification node 502, and a second node 503; wherein,

Optionally, the deposit receipt information further includes: a random number.

the first node generates deposit receipt uplink information according to the deposit receipt information of the deposit receipt of the user, and the method comprises the following steps: the first node processes the money by adopting a privacy commitment algorithm to obtain the money commitment of the user deposit receipt; the first node processes the money by adopting an auditable range algorithm to obtain a validity proof of the user deposit receipt; and the first node generates the deposit receipt amount validity proof identification according to the amount commitment and the validity proof.

Optionally, the first node processes the amount of money by using an auditable range algorithm to obtain a validity proof of the user deposit receipt, and obtains the validity proof of the user deposit receipt:

binary expansion is carried out on the money amount according to the selected confusion element x and the sub confusion element x_iGenerating a commitment set L by adopting the privacy commitment algorithm according to the binary expansion result;

Alternatively,

Optionally, the deposit receipt management system of the embodiment of the present invention further includes a monitoring node 504, configured to view the service data of the user deposit receipt through the audit private key.

one or more processors;

a storage device for storing one or more programs,

Fig. 6 illustrates an exemplary system architecture 600 for a blockchain-based inventory management method to which embodiments of the present invention may be applied.

As shown in fig. 6, the system architecture 600 may include

terminal devices

601, 602, 603, a network 604, and a server 605. The network 604 serves to provide a medium for communication links between the

terminal devices

601, 602, 603 and the server 605. Network 604 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.

A user may use the

terminal devices

601, 602, 603 to interact with the server 605 via the network 604 to receive or send messages or the like. The

terminal devices

601, 602, 603 may have installed thereon various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 605 may be a server providing various services, such as a background management server (for example only) providing support for a bank-like application website browsed by a user using the

terminal devices

601, 602, 603. The background management server may analyze and otherwise process the received data such as the deposit receipt query request, and feed back the processing result (for example, information such as deposit receipt status, amount of money, etc. -just an example) to the terminal device.

It should be noted that the block chain based deposit receipt management method provided by the embodiment of the present invention is generally executed by the server 605.

It should be understood that the number of terminal devices, networks, and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:

generating deposit receipt uplink information according to deposit receipt information of a user deposit receipt; signing the deposit receipt uplink information by using a node public key; sending the signed deposit receipt uplink information to a block chain, so that a verification node of the block chain verifies the signed deposit receipt uplink information, and under the condition that the verification is passed, responding to a pledge request of a user for the deposit receipt of the user by a second node of the deposit receipt uplink information and the block chain to provide pledge loan service for the user; or,

analyzing deposit receipt information of a deposit receipt of the user from a pledge request of the user; according to the deposit receipt information, obtaining the deposit receipt of the user and deposit receipt uplink information thereof from a block chain; checking deposit list uplink information and the state of the deposit list of the user, and granting credit and paying money to the user under the condition that the checking is passed; or,

checking the business data of the user deposit receipt through an audit private key; the user deposit list adopts the method uplink provided by the first aspect of the embodiment of the invention.

According to the technical scheme of the embodiment of the invention, the block chain-based deposit receipt management method and the block chain system can support cross-institution mortgage and loan of user deposit receipt by constructing the cross-institution deposit and pledge loan alliance chain, thereby improving the selection flexibility of the user and reducing the financing cost of the user; by using the block chain technology, the validity check of the deposit list on the efficient chain is realized, the service handling period is shortened, and the handling difficulty of the user is reduced; by using the privacy information processing method, the privacy information of each party is effectively protected, and meanwhile, validity verification and penetrating supervision audit under the privacy mode are adapted.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A deposit list management method based on a block chain is applied to a first node on the block chain, and is characterized by comprising the following steps:

signing the deposit receipt uplink information by using a node public key;

2. The blockchain system of claim 1, wherein the inventory information includes at least one of: user identification, identification code, interest rate, term, amount; the identification code is used for uniquely representing a user deposit receipt.

3. The blockchain system of claim 2, wherein the inventory information further includes: a random number.

4. The deposit-order management method of claim 3, wherein the deposit-order uplink information comprises: a first uplink identifier;

5. The deposit-order management method of claim 3, wherein the deposit-order uplink information comprises: a second uplink identifier;

6. The deposit-order management method of claim 3, wherein the deposit-order uplink information comprises: the deposit amount legality proof identification;

7. The deposit receipt management method according to claim 6, wherein the amount of money is processed by using an auditable range algorithm as follows to obtain a validity proof of the deposit receipt of the user:

8. The deposit book management method of any one of claims 3-7, further comprising:

9. The deposit book management method of claim 8, further comprising:

10. The deposit book management method of claim 8, further comprising:

11. The deposit book management method of claim 8, further comprising:

12. The deposit book management method of claim 11, further comprising:

13. The deposit book management method of claim 8, further comprising: when a request for drawing part or all of the deposits in the user deposit list, which is sent by a second node on a block chain, is received, transferring the part or all of the deposits in the user deposit list to the second node;

14. A deposit receipt management method based on a block chain is applied to a second node on the block chain, and is characterized by comprising the following steps:

analyzing deposit receipt information of a deposit receipt of the user from a pledge request of the user; -said subscriber deposit list is ul using the method according to any of claims 3-7;

15. The deposit book management method of claim 14, further comprising:

16. The deposit-list management method of claim 14, wherein verifying deposit-list uplink information of the user deposit-list comprises:

17. The deposit book management method of claim 14, further comprising:

18. The blockchain system of claim 14, further comprising:

19. A deposit receipt management method based on a block chain is applied to a supervision node on the block chain, and is characterized in that the supervision node checks the service data of the deposit receipt of a user through an audit private key; the subscriber deposit list is ul using the method according to any of claims 3-7.

20. A blockchain system for inventory management, comprising: a first node, a verification node and a second node; wherein,

21. The blockchain system of claim 20, wherein the inventory information includes at least one of: user identification, identification code, interest rate, term, amount; the identification code is used for uniquely representing a user deposit receipt.

22. The blockchain system of claim 21, wherein the inventory information further includes: a random number.

23. The block chain system of claim 22, wherein the deposit list uplink information comprises: a first uplink identifier;

24. The block chain system of claim 22, wherein the deposit list uplink information comprises: a second uplink identifier; the blockchain system further comprises a supervisory node;

25. The block chain system of claim 22, wherein the deposit list uplink information comprises: the deposit amount legality proof identification;

26. The blockchain system of claim 25, wherein the first node processes the amount of money using an auditable range algorithm to obtain a proof of validity of the user deposit statement as follows:

27. The blockchain system of any of claims 22-26, wherein the first node is further configured to: after the signed deposit list uplink information is sent to a block chain, setting the state of the deposit list of the user to be a first state;

28. The blockchain system of claim 27,

29. The block chain system of claim 27, wherein the second node verifies the deposit book uplink information of the user deposit book comprising: the second node sends a random number request aiming at the deposit receipt of the user to the first node, receives the random number sent by the first node, and verifies the deposit receipt uplink information of the deposit receipt of the user according to the random number;

30. The blockchain system of claim 27, wherein the second node is further configured to: responding to a mortgage request of the user for the user deposit receipt, and verifying whether the user agrees to pay in full amount according to loan; generating the pledge information aiming at the deposit receipt of the user under the condition that the user appoints full repayment according to the loan, and issuing the pledge information to a block chain;

31. The blockchain system of claim 27, wherein the second node is further configured to: monitoring whether the pledge repayment process of the user deposit receipt is abnormal or not; when monitoring that the pledge repayment process of the user deposit receipt is abnormal, sending a request for withdrawing part or all of deposits in the user deposit receipt to a first node;

32. The deposit-sheet management system of claim 25 or 26, further comprising a supervisory node for viewing the business data of the user deposit sheet by an audit private key.

33. An electronic device for inventory management based on a blockchain, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-19.

34. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-19.