CN113723953A - Digital asset transaction method, device and system and electronic equipment - Google Patents

Digital asset transaction method, device and system and electronic equipment Download PDF

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Publication number
CN113723953A
CN113723953A CN202010458323.0A CN202010458323A CN113723953A CN 113723953 A CN113723953 A CN 113723953A CN 202010458323 A CN202010458323 A CN 202010458323A CN 113723953 A CN113723953 A CN 113723953A
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China
Prior art keywords
user
information
account
blockchain
asset transaction
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CN202010458323.0A
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Chinese (zh)
Inventor
朱江
陈义君
常青
张胤俊
韩鹏
彭德华
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Beijing Kingsoft Cloud Network Technology Co Ltd
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Beijing Kingsoft Cloud Network Technology Co Ltd
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Priority to CN202010458323.0A priority Critical patent/CN113723953A/en
Publication of CN113723953A publication Critical patent/CN113723953A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention provides a transaction method, a device and a system of digital assets and electronic equipment, wherein the method comprises the steps of obtaining block chain account information of a user according to an asset transaction request; the bank information system checks whether the user corresponding to the block chain account information is a legal user or not through the block chain account information; and if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system. In the method, data interaction and contact are established between the bank information system and the block chain, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides user validity check for the block chain, and can supervise the digital asset service in the block chain, so that illegal or non-compliant behaviors in the digital asset service are avoided, and the digital asset service is more standard.

Description

Digital asset transaction method, device and system and electronic equipment
Technical Field
The invention relates to the technical field of digital assets, in particular to a transaction method, a transaction device, a transaction system and electronic equipment of digital assets.
Background
The traditional block chain has a perfect trust mechanism, and the account information of the user is public in the block chain, but the real identity of the user corresponding to the account information cannot be known, so that the digital asset operation in the block chain is difficult to monitor, for example, whether illegal or non-compliant behaviors such as money laundering exist in the block chain is difficult to monitor. In the traditional bank information system, the account model used by the system can reflect the business relationship between a customer and a bank, and can determine whether the user has some illegal or non-compliant behaviors, such as money laundering behaviors, based on the real identity of the user; however, the traditional bank information system is an internal system of the bank, data in the system is not communicated with an external network, an information island is formed, and the bank can completely control the bank information system, and third-party supervision is lacked. In a related business scenario across organizations, a single bank information system lacks a trust mechanism, resulting in a bank being unable to conduct related digital asset business.
Disclosure of Invention
In view of the above, the present invention provides a transaction method, an apparatus, a system and an electronic device for digital assets, so as to improve the supervised capability or the supervision support capability of a bank information system, thereby improving the public trust of the bank information system, and enabling a bank to develop related digital asset services in a cross-institution related service scenario.
In a first aspect, an embodiment of the present invention provides a method for trading a digital asset, where the method includes: receiving an asset transaction request sent by terminal equipment, and acquiring the blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; the method comprises the steps that block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user or not is checked through the bank information system; if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system; wherein the first blockchain network is used to complete the asset transaction.
In a second aspect, an embodiment of the present invention provides a method for trading a digital asset, the method including: if the blockchain account information sent by the management service of the first blockchain network is received, checking whether a user corresponding to the blockchain account information is a legal user, and feeding back a checking result to the management service; after receiving an asset transaction request sent by terminal equipment, the management service acquires the blockchain account information according to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; a first blockchain network for completing an asset transaction; if an accounting request sent by the management service is received, accounting operation corresponding to the accounting request is completed; wherein the billing request is generated by the management service by: and after the user is confirmed to be a legal user through the checking result, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and generating an accounting request corresponding to the asset transaction.
In a third aspect, an embodiment of the present invention provides a method for trading a digital asset, where the method includes: receiving an asset transaction request sent by a user, sending the asset transaction request to a management service of a first block chain network, and acquiring block chain account information of the user corresponding to the asset transaction request according to the asset transaction request through the management service; the method comprises the steps that block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user or not is checked through the bank information system; if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; the first blockchain network is used to complete asset transactions.
In a fourth aspect, an embodiment of the present invention provides a method for trading a digital asset, the method including: if the state information of the asset transaction sent by the management service of the first blockchain network is received, synchronizing the state information of the asset transaction to the second blockchain network; wherein the first blockchain network is used to complete an asset transaction; the second blockchain network is used for recording the state information of the asset transaction; if the block chain account information of the user sent by the management service of the first block chain network is received, synchronizing the block chain account information of the user to a second block chain network; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; if the operation state information of the accounting operation sent by the bank information system is received, the operation state information of the accounting operation is synchronized to the second block chain network; and if the user identity information of the user and the account information of the user in the bank information system, which are sent by the bank information system, are received, synchronizing the user identity information of the user and the account information of the user in the bank information system to the second block chain network.
In a fifth aspect, an embodiment of the present invention provides a transaction system for digital assets, including a first blockchain network and a bank information system; the first blockchain network is to: receiving an asset transaction request sent by terminal equipment through a management service of a first blockchain network, and acquiring blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request; sending the block chain account information to a bank information system; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; the bank information system is used for: checking whether a user corresponding to the block chain account information is a legal user; the first blockchain network is further configured to: if the user is a legal user, completing the asset transaction corresponding to the asset transaction request; the bank information system is further configured to: accounting operations for the asset transaction are completed.
In a sixth aspect, an embodiment of the present invention provides a transaction apparatus for digital assets, including: the information acquisition module is used for receiving the asset transaction request sent by the terminal equipment and acquiring the block chain account information of the user corresponding to the asset transaction request according to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; the information sending module is used for sending the block chain account information to a bank information system so as to check whether a user corresponding to the block chain account information is a legal user or not through the bank information system; the asset transaction module is used for completing asset transaction corresponding to the asset transaction request through the first blockchain network and completing accounting operation of the asset transaction through the bank information system if the user is a legal user; wherein the first blockchain network is used to complete an asset transaction.
In a seventh aspect, an embodiment of the present invention provides an apparatus for trading digital assets, the apparatus including: the information checking module is used for checking whether a user corresponding to the blockchain account information is a legal user or not if the blockchain account information sent by the management service of the first blockchain network is received, and feeding back a checking result to the management service; after receiving an asset transaction request sent by terminal equipment, the management service acquires the blockchain account information according to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; a first blockchain network for completing an asset transaction; the accounting operation module is used for completing accounting operation corresponding to the accounting request if the accounting request sent by the management service is received; wherein the billing request is generated by the management service by: and after the user is confirmed to be a legal user through the checking result, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and generating an accounting request corresponding to the asset transaction.
In an eighth aspect, an embodiment of the present invention provides an apparatus for trading digital assets, the apparatus being configured to: receiving an asset transaction request sent by a user, sending the asset transaction request to a management service of a first block chain network, and acquiring block chain account information of the user corresponding to the asset transaction request according to the asset transaction request through the management service; the method comprises the steps that block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user or not is checked through the bank information system; if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; the first blockchain network is used to complete asset transactions.
In a ninth aspect, an embodiment of the present invention provides an apparatus for trading digital assets, the apparatus being configured to: if the state information of the asset transaction sent by the management service of the first blockchain network is received, synchronizing the state information of the asset transaction to the second blockchain network; wherein the first blockchain network is used to complete an asset transaction; the second blockchain network is used for recording the state information of the asset transaction; if the block chain account information of the user sent by the management service of the first block chain network is received, synchronizing the block chain account information of the user to a second block chain network; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; if the operation state information of the accounting operation sent by the bank information system is received, the operation state information of the accounting operation is synchronized to the second block chain network; and if the user identity information of the user and the account information of the user in the bank information system, which are sent by the bank information system, are received, synchronizing the user identity information of the user and the account information of the user in the bank information system to the second block chain network.
In a tenth aspect, an embodiment of the present invention provides an electronic device, which includes a processor and a memory, where the memory stores machine executable instructions capable of being executed by the processor, and the processor executes the machine executable instructions to implement the method for trading a digital asset of any one of the first, second, third or fourth aspects.
In an eleventh aspect, embodiments of the present invention provide a machine-readable storage medium storing machine-executable instructions, which when invoked and executed by a processor, cause the processor to implement a method of trading a digital asset of any one of the embodiments of the first, second, third or fourth aspects.
The embodiment of the invention has the following beneficial effects:
the embodiment of the invention provides a transaction method, a device and a system of digital assets and electronic equipment, wherein the method comprises the steps of obtaining block chain account information of a user according to an asset transaction request; the bank information system checks whether the user corresponding to the block chain account information is a legal user or not through the block chain account information; and if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system. In the method, data interaction and contact are established between the bank information system and the block chain, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides user validity check for the block chain, and can supervise the digital asset service in the block chain, so that illegal or non-compliant behaviors in the digital asset service are avoided, and the digital asset service is more standard.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flow chart of a method of trading a digital asset provided by an embodiment of the present invention;
FIG. 2 is a flow chart of another method of trading a digital asset according to an embodiment of the present invention;
FIG. 3 is a flow chart of another method of trading a digital asset according to an embodiment of the present invention;
FIG. 4 is a flow chart of a method of trading a digital asset provided by an embodiment of the present invention;
FIG. 5 is a flow chart of another method of trading a digital asset according to an embodiment of the present invention;
fig. 6 is a flowchart of a method for checking user identity information according to an embodiment of the present invention;
FIG. 7 is a flow chart of another method of trading a digital asset according to an embodiment of the present invention;
FIG. 8 is a flow chart of a method of trading a digital asset provided by an embodiment of the present invention;
FIG. 9 is a flow chart of a method of trading a digital asset provided by an embodiment of the present invention;
fig. 10 is a schematic structural diagram of a transaction system for digital assets according to an embodiment of the present invention;
FIG. 11 is a schematic diagram of an account opening process for a digital asset transaction according to an embodiment of the present invention;
FIG. 12 is a schematic illustration of a payment flow for a digital asset transaction provided by an embodiment of the invention;
fig. 13 is a schematic structural diagram of a transaction device for digital assets according to an embodiment of the present invention;
fig. 14 is a schematic structural diagram of a transaction device for digital assets according to an embodiment of the present invention;
fig. 15 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Icon:
100-system; 101-a first blockchain network; 102-bank information system; 103-a second blockchain network; 104-a third block chain network.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
At present, in a traditional bank information system, an account model used by the traditional bank information system can reflect the business relationship between a customer and a bank; however, the traditional bank information system is completely an internal system of the bank, data in the system is not communicated with an external network, an information island is formed, and the bank can completely control the bank information system, and third-party supervision is lacked. In a related business scenario of a cross-organization, a bank information system lacks public credibility, so that a bank cannot develop related digital asset business.
In addition, the account model of the current block chain can store various digital assets, wherein part of the digital assets can store programmable assets, such as Ether houses and the like, and the operations of transferring accounts and the like can be completed through the block chain. However, the existing account information in the blockchain is public, and only the corresponding customer information is unknown, and meanwhile, the supervision of the bank on the digital asset transaction cannot be met.
Therefore, the digital assets are lack of contact between the block chain and the traditional bank information system, so that the bank can not develop related digital asset business under the condition of meeting the requirements of supervision and the like. Based on this, the digital asset transaction method, apparatus, system and electronic device provided in the embodiments of the present invention may be applied to a cloud server or an entity server running various bank information systems, a block chain and a user terminal.
Firstly, the embodiment of the invention provides a transaction method of digital assets, which is applied to equipment of management service of a first block chain network; the management service may be part of a first blockchain; at this time, the device is a node device of the first blockchain network; the management service may not belong to the first blockchain, and the management service is communicatively connected with the first blockchain; the management service equipment of the first block chain network is connected with the bank information system; the execution subject of the method is equipment for managing service of the first block chain network; as shown in fig. 1, the method comprises the steps of:
Step S102, receiving an asset transaction request sent by terminal equipment, and acquiring block chain account information of a user corresponding to the asset transaction request according to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key;
the terminal equipment can be mobile phones, notebooks and other equipment; the asset transaction request can be a digital asset transaction request sent by a mobile terminal of a user to the first blockchain network, and the digital asset can be various non-monetary assets such as virtual currency, intangible assets, equities, bonds and the like; the asset transaction request may include, for example, the type and quantity of digital assets transacted, and the user's blockchain account information to instruct the first blockchain network to conduct the corresponding asset transaction via the included asset transaction information; in addition, the digital asset that the user requests for a transaction may be bank issued that verifies whether the user is legitimate; the blockchain account information generally includes a pair of public key and private key, where the public key may correspond to the address of the blockchain account registered by the user, and may store the digital asset, and any other account may access the address, and the private key may be a blockchain account private key, which is an encrypted password, and the public key and the private key may form a unique identification of the blockchain account information.
Specifically, when the management service of the first blockchain network receives a digital asset transaction request sent by the terminal device of the user, the blockchain account information of the user corresponding to the request can be extracted through the management service of the first blockchain network.
Step S104, the block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user or not is checked through the bank information system;
the legal user is used for indicating that the user registers real identity information in a bank information system and confirming that the user has the qualification of asset transaction based on the real identity information; the bank information system is used for checking whether the user corresponding to the blockchain account information is a legal user or not and is also used for completing the accounting operation of the asset transaction.
The bank information system can be pre-stored with a blacklist, and the users in the blacklist can include users with money laundering, high loan and credit, low credit and the like; in order to ensure that the user can smoothly conduct asset transaction, risk check can be conducted on the corresponding user in the block chain account information, and the identity validity of the user is ensured and is not in a blacklist. In addition, the bank information system can also call credit investigation services of a third party to acquire credit data of the user, such as credit investigation services of banks and loan platforms, and judge whether the user is a legal user or not according to the credit data of the user, so that the account state of the user is ensured to be normal, not frozen and unlocked.
Specifically, the block chain account information of the user can be directly sent to the bank information system through the mobile terminal of the user, or the block chain account information can be forwarded to the bank information system through the management service of the first block chain network; when the bank information system receives the blockchain account information, the blacklist pre-stored in the system can be compared, whether the user corresponding to the blockchain account information belongs to the user in the blacklist or not is checked, and therefore whether the user is a legal user or not is determined; or, determining whether the user is a legal user according to the credit data of the user on the credit investigation platform; generally, a user with low credit rating is determined as an illegal user, and the asset transaction request is forbidden; alternatively, whether the user is a legal user may be determined according to the credit card held by the user, for example, the arrearage limit, the repayment credit, etc. of the credit card, and according to the information of the arrearage limit, the repayment credit, etc.
Here, the asset requested to be transacted by the asset transaction request in step S102 may be a digital asset issued on the first blockchain by the bank to which the bank information system receiving the blockchain account information belongs, that is, after the bank issues the digital asset on the first blockchain, the user may transact the digital asset on the first blockchain, and the bank may verify whether the user is a legitimate user through the bank information system during the transaction. In an embodiment of the present invention, after the step of completing the asset transaction corresponding to the asset transaction request through the first blockchain network, status information of the asset transaction may be synchronized to a second blockchain network, where the second blockchain network is used to record status information of the asset transaction, and the status information may be used to indicate a change of the digital asset. It will be appreciated that through this second blockchain, the bank can record the transaction process of the digital assets published on the first blockchain, thereby enhancing the administration of digital asset traffic in the first blockchain.
Step S106, if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing the accounting operation of the asset transaction through the bank information system; wherein the first blockchain network is used to complete an asset transaction.
And if the user corresponding to the account information of the block chain does not belong to the user in the blacklist or the credit degree of the user recorded by the third party is higher and meets the threshold set by the bank, determining that the user is a legal user. Specifically, the asset payment transaction corresponding to the asset transaction request can be completed through the public link included in the first blockchain network; after the asset transaction is completed, the bank information system may record payment information, payment status, user information, blockchain account information, and the like of the asset transaction to the bank information system through a general financial ledger of the bank information system according to an accounting request sent by the first blockchain network, so as to implement a digital asset account service. In addition, a third-party mechanism can be called by utilizing a bank information system to complete accounting operation so as to ensure that various information of asset transaction cannot be tampered.
The embodiment of the invention provides a transaction method of digital assets, which takes a first block chain network as an execution main body and acquires block chain account information of a user according to an asset transaction request; the bank information system checks whether the user corresponding to the blockchain account information is a legal user or not through the received blockchain account information; and if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system. In the method, data interaction and contact are established between the bank information system and the block chain, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The embodiment of the invention provides another digital asset transaction method, which is realized on the basis of the method of the embodiment; the block chain account information comprises a block chain account address registered by a user and a block chain account private key; the embodiment focuses on a specific implementation process of the steps before the blockchain account information is sent to the bank information system (implemented through steps S204-S208), and as shown in fig. 2, the method includes the following steps:
step S202, receiving an asset transaction request sent by terminal equipment, and acquiring block chain account information of a user corresponding to the asset transaction request according to the asset transaction request;
step S204, checking whether the private key of the block chain account in the block chain account information is correct;
since the blockchain account information includes the address of the blockchain account registered by the user and the private key of the blockchain account, before the transaction is performed, it is necessary to check whether the private key is correct. Specifically, the private key of the blockchain account in the blockchain account information is checked through the first blockchain network, whether the private key of the blockchain account is consistent with the private key of the account set during the registration of the user is checked, and if the private key of the blockchain account in the blockchain account information is consistent with the private key of the account set during the registration of the user, the private key of the blockchain account in the blockchain account information is determined to be correct.
Step S206, if the private key of the blockchain account is correct, whether the account balance corresponding to the blockchain account address in the blockchain account information can realize the asset transaction of the asset transaction request is checked;
after the private key of the blockchain account is checked to be correct, in order to ensure that the asset transaction requested by the asset transaction can be smoothly paid, the account balance corresponding to the blockchain account address in the blockchain account information can be checked through the first blockchain network, and whether the account balance is larger than the amount of money to be paid for the asset transaction request is judged.
Step S208, if the block chain account information can be realized, the block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user is checked through the bank information system;
and step S210, if the user is a legal user, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and completing the accounting operation of the asset transaction through the bank information system.
In the method, before the checking of the legal user, whether a private key of a blockchain account in blockchain account information is correct and whether the account balance can realize the asset transaction of an asset transaction request is determined through a first blockchain network, so that the failure of the asset transaction caused by the error of the private key or insufficient balance is avoided, and the efficiency and the safety of the asset transaction are improved; in a cross-organization related business scene, a bank information system can develop digital asset business by utilizing an established trust mechanism in a block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The embodiment of the invention provides another digital asset transaction method, which is realized on the basis of the method of the embodiment; the equipment for managing the service of the first block chain network is also connected with a second block chain network; this embodiment focuses on describing a specific implementation process of a step after an asset transaction corresponding to an asset transaction request is completed through a first blockchain network (implemented through step S314), and a specific implementation process of a step before an asset transaction request sent by a terminal device is received and blockchain account information of a user corresponding to the asset transaction request is acquired according to the asset transaction request (implemented through steps S302 to S306), as shown in fig. 3, the method includes the following steps:
step S302, receiving a registration request sent by a terminal device, and registering block chain account information for a user corresponding to the registration request through a first block chain network; the block chain account information comprises a block chain account address and a block chain account private key;
the first blockchain network may include a common blockchain in which each participating user may enjoy certain equal rights to read and transact. Specifically, the user may invoke the management service of the first blockchain network by using the terminal device; after receiving a registration request sent by a terminal device of a user, a management service of a first blockchain network can register blockchain account information for the user corresponding to the registration request through an account opening and registration service of the first blockchain network according to the registration request, wherein the account information comprises a blockchain account private key which can be understood as a private key of a blockchain account and can be an encrypted private key generally; also includes the blockchain account address, which can be understood as the public key of the blockchain account, and any other account can access the address; the pair of public key and private key together form a blockchain account with a unique identification. On the public blockchain, each user can open an account, and the account balance is the virtual currency owned by the user or other evidence based on the ERC20(Ethereum Request for Comment 20) standard. It is to be understood that the standards and the like used in the embodiments of the present invention are merely illustrative, and the present invention is not limited to these examples.
Step S304, synchronizing the block chain account information of the user corresponding to the registration request to a second block chain network;
the second blockchain network may include a federation chain, and the key information on the federation chain is an account and an account book, and does not store specific product information, specific user information, and related product and user information recorded by other systems.
Specifically, after the user completes the user account opening registration corresponding to the registration request in the first blockchain network and obtains the blockchain account information, in order to ensure that the blockchain account information of the user and the corresponding transaction information cannot be tampered, the blockchain account information of the user can be synchronized to the second blockchain network, so that supervision is provided for the first blockchain and the bank information system.
Step S306, account opening operation is carried out on the user corresponding to the registration request in the bank information system through the block chain account information and the real identity information of the user corresponding to the registration request;
the real identity information of the user can be forwarded to the bank information system through the first blockchain network, and can also be directly sent to the bank information system through the terminal equipment of the user. The real identity information can comprise information such as a real name and identity card information of the user; wherein, the user corresponding to each registration request can own a plurality of blockchain accounts; specifically, a server connected with the first blockchain network and the bank information system is used, account opening is performed according to the blockchain account information of the user corresponding to the registration request and the real identity information of the user through the account management service of the bank information system, and the bank account of the user is obtained. In addition, a user profile can be established, including the user's blockchain account information, identity information, and corresponding account or accounts.
Step S308, receiving an asset transaction request sent by the terminal equipment, and acquiring the blockchain account information of the user corresponding to the asset transaction request according to the asset transaction request;
step S310, the block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user is checked through the bank information system;
step S312, if the user is a legal user, the asset transaction corresponding to the asset transaction request is completed through the first blockchain network, and the accounting operation of the asset transaction is completed through the bank information system;
step S314, synchronizing the status information of the asset transaction to the second blockchain network.
The second blockchain network is used for recording the state information of the asset transaction; the state information can be the payment process of the asset transaction, the asset account-arriving state and the like; after the asset transaction corresponding to the asset transaction request is completed by the first blockchain network, in order to ensure that account information of the user and corresponding transaction information cannot be tampered, the payment process and state of the users of both parties of the asset payment can be synchronized to the second blockchain network in a specific manner by accounting, so that supervision is provided for the first blockchain and the bank information system.
In the method, bank account opening is carried out for the user corresponding to the blockchain account information by calling the bank information system, and data communication of the user information between the bank information system and the blockchain network is established; through the second blockchain network, the blockchain account information of the user and the state information of asset transaction are synchronized, when a bank information system or a blockchain has problems, the user transaction information recorded by the alliance chain of the second blockchain network can be used as the standard, the user account and the transaction history can be guaranteed to be stored on the alliance chain and cannot be falsified no matter in the bank information system or the blockchain, the credible clearing and settlement capability of a multi-currency and multi-mechanism is built, and the circulation and transaction supervision capability of the digital asset is improved. On one hand, the problem that the block chain system needs to expand the calculation and storage capacity through a traditional information system is solved, and on the other hand, the problems that the traditional information system needs to support and solve information tampering and information isolated island through the block chain system are solved. The method can expand ecology and trust through a public chain system, can master business core data through a alliance chain, has the advantage of credible security sharing, and solves the supervision problem.
The embodiment of the invention provides a transaction method of digital assets, which is applied to a server running a bank information system, wherein the server is in communication connection with a device of a management service of a first block chain network; the execution main body of the method is a server running a bank information system; as shown in fig. 4, the method includes the steps of:
step S402, if receiving the block chain account information sent by the management service of the first block chain network, checking whether the user corresponding to the block chain account information is a legal user, and feeding back a checking result to the management service; after receiving an asset transaction request sent by terminal equipment, the management service acquires the blockchain account information according to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; a first blockchain network for completing an asset transaction;
the blockchain may be a public chain that anyone can read, send, and effectively confirm the transaction, or participate in the process. The blockchain account information may include a blockchain account private key and a blockchain account address, and the blockchain account information includes a user corresponding to the blockchain account private key; the legal user is used for indicating that the user is registered with real identity information in the bank information system and confirming that the user has the qualification of asset transaction based on the real identity information.
Specifically, a user can send an asset transaction request to a management service of a first block chain network by using a terminal device, the management service can extract block chain account information from the asset transaction request, if a server of a bank information system is operated, the block chain account information sent by the management service is received, and the bank information system can check whether a user corresponding to the block chain account information is a legal user through a pre-stored blacklist, or can determine whether the user is a legal user through credit data of the user on a credit investigation platform and other modes; the inspection result may be finally sent to the management service.
Step S404, if an accounting request sent by the management service is received, accounting operation corresponding to the accounting request is completed; wherein the billing request is generated by the management service by: and after the user is confirmed to be a legal user through the checking result, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and generating an accounting request corresponding to the asset transaction.
The first blockchain network may include public chains and the like; specifically, after the management service of the first blockchain network receives the check result and determines that the user is a legal user, the asset payment transaction corresponding to the asset transaction request is completed through the first blockchain network, and after the asset transaction is completed, in order to record the transaction process and ensure that the transaction information is not tampered, an accounting request corresponding to the asset transaction can be generated through the first blockchain network, wherein the accounting request can include transaction information such as a transaction account, a process and a state corresponding to the asset transaction. If the server operating with the bank information system receives the accounting request sent by the management service of the first block chain, the payment information, the payment state, the user information and the block chain account information of the asset transaction can be recorded to the bank information system through the general financial ledger of the bank information system according to the transaction information such as the account, the process and the state of the asset transaction corresponding to the accounting request, so that the digital asset account service is realized. In addition, a server running a bank information system can be used for calling a third-party mechanism to complete accounting operation, so that various information of asset transaction cannot be tampered.
The embodiment of the invention provides a transaction method of digital assets, which takes a server operating a bank information system as an execution main body, checks whether a user corresponding to block chain account information is a legal user or not if the block chain account information sent by a management service of a first block chain network is received, and feeds back a check result to the management service; if an accounting request sent by the management service is received, accounting operation corresponding to the accounting request is completed; in the method, the server receives the block chain account information and the accounting request of the management service and feeds back the checking result to the management service, data interaction and connection are established between the bank information system and the block chain, and the bank information system can develop digital asset service by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The embodiment of the invention provides another digital asset transaction method, which is realized on the basis of the method of the embodiment; the server is also connected with a second block chain network; the bank information system stores the block chain account address, the real identity information and the user service information of the user; this embodiment mainly describes a specific implementation process of the step after the accounting operation corresponding to the accounting request is completed (implemented by step S510), and a specific implementation process of the step of checking whether the user corresponding to the block chain account information is a valid user (implemented by steps S502 to S506), as shown in fig. 5, the method includes the following steps:
Step S502, if the block chain account information sent by the management service of the first block chain is received, checking whether the real identity information of the user corresponding to the block chain account address in the block chain account information is legal; storing the block chain account address, the real identity information and the user service information of the user in an associated manner;
the checking whether the real identity information of the user corresponding to the block chain account address in the block chain account information is legal can be understood as KYC (Know your customer) policy, that is, the enhanced examination of the account holder, which is the basis of anti-money laundering for preventing corruption. The source of funds legitimacy can be known. The KYC policy requires not only that the financial institution exercise the real name of the account, know the actual controller of the account and the actual beneficiary of the transaction, but also that the identity, the standing address or the business engaged in by the enterprise of the customer be fully known and that corresponding measures be taken.
A user can register a plurality of blockchain account addresses, so that the real identity information of the corresponding user can be obtained through the blockchain account information by utilizing a bank information system. Specifically, if the server receives the blockchain account information of the management service, because the blockchain account address, the real identity information and the user service information of the user are stored in an associated manner, the real identity information of the user corresponding to the blockchain account address can be obtained, and according to the obtained real identity information, whether the user belongs to a user in a blacklist can be determined through a blacklist prestored in a bank information system, so that whether the identity information of the user is legal or not can be determined; or, according to the credit data of the user on the credit investigation platform, determining whether the identity information of the user is legal or not according to the credit data; generally, a user with low credit rating is determined as an illegal user, and the asset transaction request is prohibited; alternatively, whether the identity information of the user is legal or not can be determined according to the credit card held by the user, such as the arrearage amount, the repayment credit and the like of the credit card, and according to the information of the arrearage amount, the repayment credit and the like.
As a preferred embodiment, the server is further connected to a third blockchain network; the third block chain network stores the block chain account address and the real identity information of the user; as for the step of checking whether the real identity information of the user corresponding to the blockchain account address in the blockchain account information is legal, as shown in fig. 6, the process may be implemented by the following steps:
step S602, checking whether the real identity information of the user corresponding to the block chain account information is legal through a bank information system;
specifically, whether the user belongs to the user in the blacklist or not can be determined through the blacklist pre-stored in the bank information system, so that whether the identity information of the user is legal or not is determined; or, the credit data of the user on the credit investigation platform can be called according to the bank information system, and whether the identity information of the user is legal or not can be determined according to the credit data; generally, a user with low credit rating is determined as an illegal user, and the asset transaction request is prohibited; alternatively, the credit card of the user can be called according to the bank information system, for example, the arrearage amount, the repayment credit and the like of the credit card, and whether the identity information of the user is legal or not can be determined according to the information of the arrearage amount, the repayment credit and the like.
Step S604, if the identity information is legal, checking whether the real identity information of the user corresponding to the account information of the block chain is legal or not through a third block chain network; the third block chain network stores the block chain account address and the real identity information of the user.
The third blockchain network may include an identity chain, which may be implemented by a federation chain, wherein the identity chain generally has the function of storing and verifying the true identity information of the user. If the identity information of the user is legal, the electronic identity of the user can be established in a bank information system. Determining related identity chain calling rules according to the business requirements of the bank, calling the identity chain by a bank information system according to the specific business requirements, and checking whether the real identity information of the user corresponding to the account information of the block chain is legal or not according to the real identity information of the user stored in the identity chain.
Step S504, if legal, detect whether the user state of the user can carry on the asset transaction normally through the user service information of the user;
the user service information may include a transaction that a user needs to process; the user status may include a balance corresponding to the user's blockchain account address; if the identity information of the user is legal, the balance corresponding to the blockchain account address of the user can be detected through the bank information system, and whether the sum required by the asset transaction included in the user service information can be met or not can be met.
Step S506, if yes, determining that the user is a legal user;
and if the identity information of the user is legal and the balance corresponding to the blockchain account address can normally perform asset transaction, determining that the user is a legal user.
Step S508, if the accounting request sent by the management service is received, accounting operation corresponding to the accounting request is completed;
step S510, synchronizing the operation state information of the accounting operation to the second blockchain network.
The second block chain network is used for recording the operation state information of the accounting operation; the operation state information can comprise the payment process of the asset transaction, the asset account-arriving state and the like; after the asset transaction corresponding to the asset transaction request is completed by the first blockchain network, in order to ensure that account information of the user and corresponding transaction information cannot be tampered, the payment process and state of the users of both parties of the asset payment can be synchronized to the second blockchain network in a specific manner by accounting, so that supervision is provided for the first blockchain and the bank information system.
In the method, the identity information of the user is checked through the third block chain network, so that the legality of the user is ensured; the second blockchain records the state information of the asset transaction, when a bank information system or a blockchain has problems, the user transaction information recorded by the alliance chain of the second blockchain network can be used as the standard, the user account and the transaction history can be guaranteed to be stored on the alliance chain and cannot be falsified no matter the bank information system or the blockchain is used, the credible clearing capability of the multi-currency and multi-institution is built, and the circulation and transaction supervision capability of the digital asset is improved. On one hand, the problem that the block chain system needs to expand the calculation and storage capacity through a traditional information system is solved, and on the other hand, the problems that the traditional information system needs to support and solve information tampering and information isolated island through the block chain system are solved. The method can expand ecology and trust through a public chain system, can master business core data through a alliance chain, has the advantage of credible security sharing, and solves the supervision problem.
The embodiment of the invention provides another digital asset transaction method, which is realized on the basis of the method of the embodiment; the server is also connected with a second block chain network; the server is also connected with a third block chain network; this embodiment mainly describes a specific implementation process of a step before checking whether a user corresponding to block chain account information is a valid user (implemented through steps S702 to S710), as shown in fig. 7, the method includes the following steps:
step S702, receiving a user account opening request sent by a management service, and acquiring user registered blockchain account information corresponding to the user account opening request by a first blockchain network according to the user account opening request; the block chain account information comprises a block chain account address and a block chain account private key;
the user with the blockchain account can send an account opening request to a bank information system through the management service of the first blockchain network so as to extract blockchain account information registered by the user corresponding to the account opening request of the user from the account opening request; typically, the blockchain account information includes a blockchain account address and a blockchain account private key;
step S704, account opening operation is carried out on the user corresponding to the account opening request of the user through the block chain account information and the real identity information of the user corresponding to the account opening request of the user;
The user identity information provided by the user can be forwarded through the management service of the first blockchain network, or can be directly sent through the terminal device. The real identity information can be the real name, the identity card information and the like of the user, and each user can have a plurality of accounts; specifically, account opening can be performed through the account management service of the bank information system according to the blockchain account information of the user and the user identity information. In addition, a user profile may be established that includes blockchain account information, identity information, and corresponding one or more accounts for the user.
Step S706, the real identity information of the user corresponding to the user account opening request and the account opening information of the user in the bank information system corresponding to the user account opening request are synchronized to a second block chain network;
in order to ensure that the account information of the user and the corresponding transaction information cannot be tampered, the user identity information and the account information of the user in the bank information system, such as the name, the identity card information, the bank account information and the like of the user, can be synchronized to the second block chain network, so that supervision is provided for the first block chain and the bank information system.
Step S708, checking whether the user corresponding to the user account opening request is legal or not according to the real identity information of the user corresponding to the user account opening request;
specifically, whether the user corresponding to the user account opening request belongs to the user in the blacklist or not can be determined through the blacklist pre-stored in the bank information system, so that whether the identity information of the user is legal or not can be determined; or, calling credit data of the user on the credit investigation platform according to the bank information system, and determining whether the user corresponding to the user account opening request is legal or not according to the credit data; generally, a user with low credit rating is determined as an illegal user, and the asset transaction request is prohibited; alternatively, the credit card of the user, such as the arrears limit and the repayment credit of the credit card, may be called according to the bank information system, and whether the user is legal or not may be determined according to the information of the arrears limit and the repayment credit.
Step S710, if the user is legal, an identity mark is established for the user corresponding to the user account opening request; synchronizing the identity identification and the real identity information of the user to a third block chain network; the third block chain network is used for recording the identity identification and the real identity information of the user;
After the user is determined to be a legal user, the bank information system can establish a customer electronic identity for the legal user according to the real identity information of the user, the bank account and other information, wherein the customer electronic identity can comprise the name, the identity card information, the account information and the like of the customer, so that the bank information system can conveniently perform subsequent operations such as storage, verification and the like of the customer information.
Step S712, feeding back the inspection result to the management service;
step S714, if the accounting request sent by the management service is received, accounting operation corresponding to the accounting request is completed;
step S716, synchronizing the operation status information of the accounting operation to the second blockchain network.
In the method, bank account opening is carried out for a user corresponding to the account information of the block chain through a bank information system, and data communication of the user information between the bank information system and the block chain is established; through the second blockchain network, the identity information of the user and the operation state information of the accounting operation are synchronized, when a bank information system or a blockchain has problems, the user transaction information recorded by the alliance chain of the second blockchain network can be used as the standard, the user account and the transaction history can be guaranteed to be stored on the alliance chain and cannot be falsified no matter the bank information system or the blockchain is used, the credible clearing and settlement capability of a multi-currency and multi-mechanism is built, and the circulation and transaction supervision capability of the digital assets is improved. On one hand, the problem that the block chain system needs to expand the calculation and storage capacity through a traditional information system is solved, and on the other hand, the problems that the traditional information system needs to support and solve information tampering and information isolated island through the block chain system are solved. The method can expand ecology and trust through a public chain system, can master business core data through a alliance chain, has the advantage of credible security sharing, and solves the supervision problem.
The embodiment of the invention provides a transaction method of digital assets, which is applied to terminal equipment, wherein a user terminal is connected with equipment of management service of a first block chain network and a server of a bank information system; the execution main body of the embodiment is a terminal device; as shown in fig. 8, the method includes the steps of:
step S802, receiving an asset transaction request sent by a user, sending the asset transaction request to a management service of a first block chain network, and acquiring user block chain account information corresponding to the asset transaction request according to the asset transaction request through the management service;
step S804, the block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user is checked through the bank information system;
step 806, if the user is a legal user, the asset transaction corresponding to the asset transaction request is completed through the first blockchain network, and the accounting operation of the asset transaction is completed through the bank information system.
Wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; the first blockchain network is used to complete asset transactions.
In addition, the legal user is used for indicating that the user registers real identity information in a bank information system and confirming that the user has the qualification of asset transaction based on the real identity information; the bank information system is used for checking whether the user corresponding to the block chain account information is a legal user or not and is also used for finishing the accounting operation of the asset transaction;
the embodiment of the invention provides a transaction method of digital assets, which takes terminal equipment as an execution main body, receives an asset transaction request sent by a user, and acquires the blockchain account information of the user from the asset transaction request; the method comprises the steps that block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user or not is checked through the bank information system; and if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing the accounting operation of the asset transaction through the bank information system. In the method, data interaction and contact are established between the bank information system and the block chain, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The embodiment provides a transaction method of digital assets, which is applied to node equipment in a second blockchain network; the node equipment is respectively connected with the equipment for managing the service of the first block chain network and the server of the bank information system; the execution subject of this embodiment is a node device in the second blockchain network. As shown in fig. 9, the method includes the steps of:
step S902, if receiving the state information of the asset transaction sent by the management service of the first blockchain network, synchronizing the state information of the asset transaction to the second blockchain network; wherein the first blockchain network is used to complete an asset transaction; the second blockchain network is used for recording the state information of the asset transaction;
step S904, if the block chain account information of the user sent by the management service of the first block chain network is received, the block chain account information of the user is synchronized to the second block chain network; the block chain account information comprises a block chain account address registered by the user and a block chain account private key;
step S906, if the operation state information of the accounting operation sent by the bank information system is received, the operation state information of the accounting operation is synchronized to the second block chain network;
Step S908 is executed to synchronize the user identity information of the user and the account information of the user in the bank information system to the second blockchain network if the user identity information of the user and the account information of the user in the bank information system sent by the bank information system are received.
The bank information system is used for checking whether a user corresponding to the blockchain account information is a legal user or not and is also used for finishing the accounting operation of the asset transaction.
The embodiment of the invention provides a transaction method of digital assets, which takes node equipment in a second block chain network as an execution main body, wherein the node equipment is respectively connected with a first block chain network and a bank information system; synchronizing the state information of the asset transaction received from the first blockchain or the bank information system, the blockchain account information of the user, the operation state information of the accounting operation, the user identity information of the user and the account information of the user in the bank information system to a second blockchain network; when a problem occurs in a bank information system or a first blockchain, the user transaction information recorded by a second blockchain network can be used as the standard, the non-falsification of a user account and transaction history is guaranteed no matter for the bank information system or the blockchain, the credible clearing and settlement capacity of a multi-currency and multi-mechanism is built, and the circulation and transaction supervision capacity of digital assets is improved; the bank information system and the block chain establish data interaction and contact, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The digital asset transaction method provided by the embodiment of the invention has the same technical characteristics as the digital asset transaction method provided by the embodiment, so that the same technical problems can be solved, and the same technical effects can be achieved.
The present embodiment provides a transaction system for digital assets, and as shown in fig. 10, the system 100 includes a first blockchain network 101 and a bank information system 102.
The first blockchain network 101 is configured to: receiving an asset transaction request sent by terminal equipment through a management service of a first blockchain network, and acquiring blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request; sending the block chain account information to a bank information system; wherein the asset transaction request is indicative of conducting an asset transaction; the blockchain account information includes a blockchain account address registered by the user and a blockchain account private key.
The bank information system 102 is configured to: checking whether a user corresponding to the block chain account information is a legal user; the first blockchain network is further configured to: if the user is a legal user, completing the asset transaction corresponding to the asset transaction request; the bank information system is further configured to: accounting operations for the asset transaction are completed.
The system 100 further comprises a second blockchain network 103; the first blockchain network 101 is further configured to: synchronizing status information of the asset transaction to the second blockchain network 103; the second blockchain network 103 is used to record status information for asset transactions.
The first blockchain network 101 is further configured to: checking whether a private key of the blockchain account in the blockchain account information is correct or not; if the private key of the blockchain account is correct, checking whether the account balance corresponding to the blockchain account address in the blockchain account information can realize the asset transaction of the asset transaction request; if so, the step of sending the blockchain account information to the bank information system is performed.
The first blockchain network 101 is further configured to: receiving a registration request sent by terminal equipment through a management service of a first block chain network, and registering block chain account information for a user corresponding to the registration request; the block chain account information comprises a block chain account address and a block chain account private key; and opening an account for the user corresponding to the registration request in the bank information system through the block chain account information and the real identity information provided by the user corresponding to the registration request.
The system 100 further comprises a second blockchain network 103; the first blockchain network 101 is further configured to: the blockchain account information of the user corresponding to the registration request is synchronized to the second blockchain network 103.
The system 100 further comprises a second blockchain network 103; the bank information system 102 is further configured to: synchronizing operational state information of the accounting operation to the second blockchain network 103; the second blockchain network 103 is used to record the operational status information of the accounting operation.
The first blockchain network 101 includes a common blockchain; the second blockchain network 103 includes a federation chain.
The bank information system 102 stores a user's block chain account address, real identity information and user service information; the bank information system 102 is further configured to: checking whether the real identity information of the user corresponding to the block chain account address in the block chain account information is legal or not; if the user state is legal, detecting whether the user state of the user can normally carry out asset transaction or not through the user service information of the user; if so, it is determined that the user is a legitimate user.
The system 100 further includes a third blockchain network 104; the third blockchain network 104 stores the blockchain account address and the real identity information of the user; the bank information system 102 is further configured to: checking whether the real identity information of the user corresponding to the block chain account information is legal or not; the third block chain network 104 is configured to: and if the real identity information of the user corresponding to the block chain account information is legal, checking whether the real identity information of the user corresponding to the block chain account information is legal or not.
The bank information system 102 is further configured to: receiving a user account opening request sent by a management service of a first block chain network, and acquiring user registered block chain account information corresponding to the user account opening request by the first block chain network according to the user account opening request; the block chain account information comprises a block chain account address and a block chain account private key; and performing account opening operation on the user corresponding to the account opening request of the user through the block chain account information and the user identity information provided by the user corresponding to the account opening request of the user.
The bank information system 102 is further connected to a second blockchain network 103; the bank information system 102 is further configured to: and synchronizing the real identity information of the user corresponding to the user account opening request and the account opening information of the user in the bank information system corresponding to the user account opening request to the second block chain network.
Further, the system 100 further includes a third blockchain network 104; the bank information system 102 is further configured to: checking whether the user corresponding to the user account opening request is legal or not according to the real identity information of the user corresponding to the user account opening request; if the user is legal, an identity mark is created for the user corresponding to the account opening request of the user; synchronizing the identity identification and the real identity information of the user to a third block chain network; and the third block chain network is used for recording the identity identification and the real identity information of the user.
The embodiment provides a transaction system of digital assets, which comprises a first block chain network and a bank information system; the first blockchain network is to: receiving an asset transaction request sent by terminal equipment through a management service of a first blockchain network, and acquiring blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request; sending the block chain account information to a bank information system; the bank information system is used for: checking whether a user corresponding to the block chain account information is a legal user; the first blockchain network is further configured to: if the user is a legal user, completing the asset transaction corresponding to the asset transaction request; the bank information system is further configured to: accounting operations for the asset transaction are completed. In the method, data interaction and contact are established between the bank information system and the block chain, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard. In addition, the state information of the asset transaction, the blockchain account information of the user, the operation state information of the accounting operation, the user identity information of the user and the account information of the user in the bank information system are all synchronized to the second blockchain network. When a problem occurs in the bank information system or the first blockchain, the user transaction information recorded in the second blockchain network can be used as the standard, the non-falsification of the user account and the transaction history is guaranteed no matter for the bank information system or the blockchain, the credible clearing and settlement capacity of the multi-currency and multi-mechanism is built, and the circulation and transaction supervision capacity of the digital assets is improved.
In addition, the embodiment of the invention provides a specific implementation manner, such as the account opening flow diagram of the digital asset transaction shown in fig. 11, and the payment flow diagram of the digital asset transaction shown in fig. 12.
For the first blockchain network, in this embodiment, the common blockchain included in the first blockchain network is a coin distribution chain, and digital assets (digital currencies) are distributed using the common chain, which may be referred to as a coin distribution chain. The account is represented by a public key address, and the corresponding private key is the only use certificate of the account. The following description is made with respect to a public chain account model.
The account model of the public link used in this embodiment is an existing public link, and is described by taking an ethernet public link account model as an example, and each ethernet account is composed of a pair of a public key and a private key. A public key may be understood as an account address, which any other account may access; the private key can be understood as an encrypted private key, and the pair of public key and private key together form a uniquely identified ethereal account. Each user may open an account, the balance of the account being his own ethernet currency or other evidence based on the ERC20 standard, the account of the etherhouse typically including four fields: a random number, account balance, contract code, store. In the public-link account model, the correspondence between the user information and the account is not stored, that is, who the real account user is cannot be known. In addition, the balance of the account is publicly available to be queried by any person. Therefore, once the problems of private key loss and the like occur, the account can be stolen or the assets on the account can not be used.
For digital assets, the public chain can be described by intelligent contracts, namely, the assets are issued by the intelligent contracts and conform to the corresponding ERC20 standard. The relationship between the account and the product and the service, i.e. the balance owned, can be understood. Storing the state of the corresponding Ether mill account in the form of a Merkle Patricia Tree (MPT) in the block of the Ether mill; in addition, transaction information is also stored in the blocks of the ether house, and the transaction information comprises the following fields: the recipient (the accepted account), the sender's signature, the amount of the ethernet currency the sender issued to the recipient, etc.
For the second blockchain network, in this embodiment, the alliance chain included in the second blockchain network is a clearing chain, and the alliance chain is used to implement a basic account model, so as to complete clearing between multiple currencies and institutions, which is called a clearing chain. The following description is made with respect to an account model on a clearing chain.
Clearing chains are usually implemented using federation chains, and the basic storage structure is the KeyValue structure. The account model on the clearing chain stores the customer ID (Identity Document), product ID and rules, in addition to basic account and balance information and transaction history information. The key information on the clearing link is accounts and ledgers, which do not store specific product information, specific customer information, related product and customer information interpreted by other systems. The main fields of the account model on the clearing chain are account ID, public chain account address, customer ID, balance and product ID. The clearing chain is a real core ledger storage point, information of the clearing chain can be synchronized between a supervisory organization and a cooperative financial organization, transparency and sharing of key financial information are guaranteed, safety, traceability and non-falsification of the key financial information are guaranteed, trust between supervision and a cooperative partner is improved, and management of key data is usually subject to the clearing chain.
As for the banking information system, the banking information system in this embodiment includes a digital financial core account contract, and the following description is made with respect to the digital financial core account contract.
The digital financial core account contract realizes a set of complete account and service models, and comprises the following steps: the account contract describes the business relationship between the account and the product and also comprises basic information of the account contract; describing account and customer correspondence, namely account-customer information; products, product conditions, product condition sets, etc. describing product and business information; and tables describing account balances, account histories, account transaction entries, etc. for the account assets.
Based on the above description, referring to the schematic diagram of the account opening process of the digital asset transaction shown in fig. 11, the blockchain network includes operation management, money distribution chain service management, clearing chain service management, and identity chain service management; the first block chain network comprises operation management and currency-sending chain service management; the second blockchain network includes clearing link service management; the third blockchain network includes identity chain service management. The bank information system comprises money laundering prevention, account management, customer management and general financial ledger. Firstly, step 1, a user can send an account opening registration request to a currency-sending chain service management by calling a public client; step 2, according to the sent request, the account address (public and private key) registration is completed through the data interaction of the coin-sending chain and the coin-sending chain service management, wherein the account address (public and private key) registration comprises the block chain account address of the user; step 1 and step 2 correspond to the foregoing embodiment, and if a registration request from a user is received, block chain account information is registered for the user through the first block chain network; and the block chain account information comprises a block chain account address and a block chain account private key. Step 3, sending a request of opening an account of the user to account management of a bank information system through money sending chain service management, calling account management service of a digital financial core, and opening the account according to the opening information of the user; step 4, establishing a customer data file for a customer account established by the account management service through the customer management service; step 3 and step 4 correspond to the above embodiment, and perform an account opening operation for the user in the bank information system through the block chain account information and the user identity information provided by the user. Step 5, carrying out risk check on a customer list through an anti-money laundering service and a customer management service, ensuring the legality of the identity of the customer, and ensuring that the customer is not in a blacklist such as anti-money laundering and the like; this step 5 corresponds to the step of checking, by the bank information system, whether the user corresponding to the block chain account information is a valid user in the foregoing embodiment. Step 6, if the identity of the client is legal, establishing an electronic identity mark of the client; this step 6 corresponds to the step of creating an identity for the user of the previous embodiment. Step 7, synchronizing the electronic identity of the customer and the identity information of the user to an identity chain according to the service requirement of the bank information system; this step 7 corresponds to the step of synchronizing the identity identifier and the user identity information of the user to the third blockchain network in the foregoing embodiment. Step 8, synchronizing the account created by the digital financial core and the customer information to a clearing chain; this step 8 corresponds to the step of synchronizing the user identity information of the user and the account information of the user in the bank information system to the second blockchain network in the foregoing embodiment. Step 9, synchronizing the account address on the currency-sending chain into a clearing chain; this step 9 corresponds to the step of synchronizing the user's blockchain account information to the second blockchain network in the foregoing embodiment.
Referring to the payment flow diagram of a digital asset transaction shown in fig. 12, step 1, a payment service in a payroll chain is invoked by an external peer client; this step 1 corresponds to the step of the previous embodiment in which an asset transaction request is received from a user. Step 2, checking whether the account private key is correct and whether the account balance meets the payment condition on the currency-issuing chain, and if so, requiring the account management of the digital financial core to execute the check of the payment service; step 2 corresponds to the checking of the embodiment to determine whether the private key of the blockchain account in the blockchain account information is correct; and if the private key of the blockchain account is correct, checking whether the account balance corresponding to the address of the blockchain account in the blockchain account information can realize the asset transaction of the asset transaction request. Step 3, the digital financial core checks KYC customer information and checks whether the customer is a legally registered user; step 3 corresponds to the checking of the embodiment to check whether the real identity information of the user corresponding to the block chain account address in the block chain account information is legal; the step (2). Step 4, according to the demand of banking business, the customer identity information is checked through the identity chain; this step 4 corresponds to the step of checking whether the real identity information of the user corresponding to the block chain account information is legal through the third block chain network in the foregoing embodiment. Step 5, performing client list risk check through a digital financial core, ensuring the validity of the client identity, ensuring that the client is not in a blacklist such as anti-money laundering, AML and the like, and ensuring that the account state is normal, not frozen and not locked; step 5 corresponds to the step of detecting whether the user status of the user can normally perform asset transaction through the user service information of the user in the foregoing embodiment. Step 6, completing the digital asset transfer transaction on the public chain; this step 6 corresponds to the step of completing the asset transaction corresponding to the asset transaction request through the first blockchain network of the previous embodiment. Step 7, completing payment accounting in the digital financial core; step 8, accounting bookkeeping is completed in the digital financial core; this step 7 and step 8 correspond to the steps of the accounting operation for completing the asset transaction through the bank information system of the foregoing embodiment. Step 9, synchronizing the digital financial core transaction state to a clearing chain; this step 9 corresponds to the step of synchronizing the operational state information of the accounting operation to the second blockchain network of the previous embodiment. Step 10, synchronizing the public link transaction to a clearing link; this step 10 corresponds to the step of synchronizing the status information of the asset transaction to the second blockchain network of the previous embodiment.
Aiming at the core account book data and the security check, because account information of a currency-issuing chain is not registered on a block chain, related transactions are anonymous and untraceable, the core account book data is subject to clearing chain account books, and a secondary security mechanism is established at the same time and comprises a basic level and an enhanced level. The basic level only checks the exchange of the digital assets and the issued coins, ensures that only a legal user can exchange the issued coins and the digital assets, and does not track the circulation information of the digital assets on the public chain and an intermediate holder (namely, the digital assets can be held by an unauthenticated user but can only be exchanged by an authenticated user). When exchange of the issued bank note and the digital asset is required, only the digital asset information recorded on the account book of the clearing chain is accepted by the related financial institution and allowed by the regulatory institution based on the core account book of the clearing chain, and exchange transaction can be carried out. The enhancement level requires registration on the clearing chain for both parties of each digital asset transaction, completes KYC in the digital financial core, ensures the approval of the regulatory agency and the cooperative financial institution, and thus ensures that the related digital assets cannot be owned by the unauthenticated user.
In this embodiment, the account model of the public link is combined and mapped with the account model in the conventional bank information system through the account model in the alliance link to form an integrated 3D account model, thereby providing a systematic support for the bank to develop the business of the digital assets.
Establishing a clearing chain by using a trust mechanism established by a public chain and a alliance chain technology, and ensuring that user account information and transaction history information are stored on the clearing chain and cannot be tampered; and a credible clearing capability of a multi-currency and multi-organization is built, and the transparency, the sharing property and the safety of key account information are ensured.
And a contract account is established with the block chain through a traditional bank information system to complete complex logic calculation, AML, KYC and the like. On one hand, the problem that the block chain system needs to expand the calculation and storage capacity through a traditional information system is solved, and on the other hand, the problems that the traditional information system needs to support and solve information non-tampering, information isolated island and the like through the block chain system are solved. The ecology and trust can be enlarged through the public link system, and the business core data can be mastered through the alliance link and can be safely shared in a trusted way, so that the problem that a bank is operated in a compliance way when the digital asset business is carried out can be solved.
The specific digital asset transaction method provided by the embodiment of the invention has the same technical characteristics as the digital asset transaction method provided by the embodiment, so that the same technical problems can be solved, and the same technical effects can be achieved.
Corresponding to the above embodiment of the transaction method for the digital asset, the embodiment of the present invention further provides a schematic structural diagram of a transaction apparatus for the digital asset, as shown in fig. 13, the apparatus includes:
the information acquisition module 131 is configured to receive an asset transaction request sent by a terminal device, and acquire, according to the asset transaction request, blockchain account information of a user corresponding to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key;
the information sending module 132 is configured to send the blockchain account information to the bank information system, so as to check whether a user corresponding to the blockchain account information is a valid user through the bank information system;
the asset transaction module 133 is configured to complete an asset transaction corresponding to the asset transaction request through the first blockchain network and complete an accounting operation of the asset transaction through the bank information system if the user is a legal user; wherein the first blockchain network is used to complete an asset transaction.
Further, the above apparatus is further configured to: synchronizing status information of the asset transaction to the second blockchain network; the second blockchain network is used to record status information for asset transactions.
Further, the above apparatus is further configured to: checking whether a private key of the blockchain account in the blockchain account information is correct or not; if the private key of the blockchain account is correct, checking whether the account balance corresponding to the blockchain account address in the blockchain account information can realize the asset transaction of the asset transaction request; if so, the step of sending the blockchain account information to the bank information system is performed.
Further, the above apparatus is further configured to: receiving a registration request sent by terminal equipment, and registering block chain account information for a user corresponding to the registration request through a first block chain network; the block chain account information comprises a block chain account address and a block chain account private key; and opening an account for the user corresponding to the registration request in the bank information system through the block chain account information and the real identity information of the user corresponding to the registration request.
Further, the above apparatus is further configured to: and synchronizing the blockchain account information of the user corresponding to the registration request to the second blockchain network.
Further, the first network of blockchains comprises a common blockchain; the second blockchain network includes a federation chain.
The embodiment of the invention provides a transaction device of digital assets, which is used for acquiring the block chain account information of a user according to an asset transaction request; the bank information system checks whether the user corresponding to the blockchain account information is a legal user or not through the received blockchain account information; and if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system. In the method, data interaction and contact are established between the bank information system and the block chain, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The trading device of the digital assets provided by the embodiment of the invention has the same technical characteristics as the trading method of the digital assets provided by the embodiment, so the same technical problems can be solved, and the same technical effects can be achieved.
Corresponding to the above embodiment of the transaction method for the digital asset, the embodiment of the present invention further provides a schematic structural diagram of a transaction apparatus for a digital asset, as shown in fig. 14, the apparatus includes:
the information checking module 141 is configured to, if the blockchain account information sent by the management service of the first blockchain network is received, check whether a user corresponding to the blockchain account information is a valid user, and feed back a check result to the management service; after receiving an asset transaction request sent by terminal equipment, the management service acquires the blockchain account information according to the asset transaction request; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; a first blockchain network for completing an asset transaction;
the accounting operation module 142 is configured to, if an accounting request sent by the management service is received, complete accounting operation corresponding to the accounting request; wherein the billing request is generated by the management service by: and after the user is confirmed to be a legal user through the checking result, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and generating an accounting request corresponding to the asset transaction.
Further, the above apparatus is further configured to: synchronizing operational state information of the accounting operation to the second blockchain network; the second blockchain network is used for recording the operation state information of the accounting operation.
Further, the information checking module is configured to: checking whether the real identity information of the user corresponding to the block chain account address in the block chain account information is legal or not; storing the block chain account address, the real identity information and the user service information of the user in an associated manner; if the user state is legal, detecting whether the user state of the user can normally carry out asset transaction or not through the user service information of the user; if so, it is determined that the user is a legitimate user.
Further, the information checking module is configured to: checking whether the real identity information of the user corresponding to the block chain account information is legal or not through a bank information system; if the identity information is legal, checking whether the real identity information of the user corresponding to the block chain account information is legal or not through a third block chain network; the third block chain network stores the block chain account address and the real identity information of the user.
Further, the above apparatus is further configured to: receiving a user account opening request sent by a management service, and acquiring user registered block chain account information corresponding to the user account opening request by a first block chain network according to the user account opening request; the block chain account information comprises a block chain account address and a block chain account private key; and performing account opening operation on the user corresponding to the account opening request of the user through the block chain account information and the real identity information of the user corresponding to the account opening request of the user.
Further, the above apparatus is further configured to: and synchronizing the real identity information of the user corresponding to the user account opening request and the account opening information of the user in the bank information system corresponding to the user account opening request to the second block chain network.
Further, the above apparatus is further configured to: checking whether the user corresponding to the user account opening request is legal or not according to the real identity information of the user corresponding to the user account opening request; if the user is legal, an identity mark is created for the user corresponding to the account opening request of the user; synchronizing the identity identification and the real identity information of the user to a third block chain network; and the third block chain network is used for recording the identity identification and the real identity information of the user.
The embodiment of the invention provides a transaction device of digital assets, which takes a server running a bank information system as an execution main body, checks whether a user corresponding to block chain account information is a legal user or not if the block chain account information sent by a management service of a first block chain network is received, and feeds back a check result to the management service; if an accounting request sent by the management service is received, accounting operation corresponding to the accounting request is completed; in the method, the server receives the block chain account information and the accounting request of the management service and feeds back the checking result to the management service, data interaction and connection are established between the bank information system and the block chain, and the bank information system can develop digital asset service by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The trading device of the digital assets provided by the embodiment of the invention has the same technical characteristics as the trading method of the digital assets provided by the embodiment, so the same technical problems can be solved, and the same technical effects can be achieved.
Corresponding to the above embodiment of the transaction method for the digital asset, the embodiment of the present invention further provides a schematic structural diagram of a transaction apparatus for the digital asset, where the apparatus is configured to:
receiving an asset transaction request sent by a user, sending the asset transaction request to a management service of a first block chain network, and acquiring block chain account information of the user corresponding to the asset transaction request according to the asset transaction request through the management service; the method comprises the steps that block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user or not is checked through the bank information system; if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing accounting operation of the asset transaction through the bank information system; wherein the asset transaction request is indicative of conducting an asset transaction; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; the first blockchain network is used to complete asset transactions.
The embodiment of the invention provides a transaction device of digital assets, which receives an asset transaction request sent by a user and acquires the blockchain account information of the user from the asset transaction request; the method comprises the steps that block chain account information is sent to a bank information system, so that whether a user corresponding to the block chain account information is a legal user or not is checked through the bank information system; and if the user is a legal user, completing asset transaction corresponding to the asset transaction request through the first blockchain network, and completing the accounting operation of the asset transaction through the bank information system. In the method, data interaction and contact are established between the bank information system and the block chain, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The trading device of the digital assets provided by the embodiment of the invention has the same technical characteristics as the trading method of the digital assets provided by the embodiment, so the same technical problems can be solved, and the same technical effects can be achieved.
Corresponding to the above embodiment of the transaction method for the digital asset, the embodiment of the present invention further provides a schematic structural diagram of a transaction apparatus for the digital asset, where the apparatus is configured to:
if the state information of the asset transaction sent by the management service of the first blockchain network is received, synchronizing the state information of the asset transaction to the second blockchain network; wherein the first blockchain network is used to complete an asset transaction; the second blockchain network is used for recording the state information of the asset transaction; if the block chain account information of the user sent by the management service of the first block chain network is received, synchronizing the block chain account information of the user to a second block chain network; the block chain account information comprises a block chain account address registered by the user and a block chain account private key; if the operation state information of the accounting operation sent by the bank information system is received, the operation state information of the accounting operation is synchronized to the second block chain network; and if the user identity information of the user and the account information of the user in the bank information system, which are sent by the bank information system, are received, synchronizing the user identity information of the user and the account information of the user in the bank information system to the second block chain network.
The embodiment of the invention provides a transaction device of digital assets, which synchronizes the state information of asset transaction received from a first block chain or a bank information system, the block chain account information of a user, the operation state information of accounting operation, the user identity information of the user and the account information of the user in the bank information system to a second block chain network; when a problem occurs in a bank information system or a first blockchain, the user transaction information recorded by a second blockchain network can be used as the standard, the non-falsification of a user account and transaction history is guaranteed no matter for the bank information system or the blockchain, the credible clearing and settlement capacity of a multi-currency and multi-mechanism is built, and the circulation and transaction supervision capacity of digital assets is improved; the bank information system and the block chain establish data interaction and contact, and the bank information system can develop digital asset business by utilizing the trust mechanism established in the block chain; meanwhile, the bank information system provides the user with the operations of validity check and transaction accounting for the block chain, and can supervise the digital asset service in the block chain, so as to avoid illegal or non-compliant behaviors in the digital asset service, and ensure that the digital asset service is more standard.
The trading device of the digital assets provided by the embodiment of the invention has the same technical characteristics as the trading method of the digital assets provided by the embodiment, so the same technical problems can be solved, and the same technical effects can be achieved.
An embodiment of the present invention further provides an electronic device, as shown in fig. 15, the electronic device includes a processor 150 and a memory 151, the memory 151 stores machine executable instructions capable of being executed by the processor 150, and the processor 150 executes the machine executable instructions to implement the transaction method of the digital asset.
Further, the electronic device shown in fig. 15 further includes a bus 152 and a communication interface 153, and the processor 150, the communication interface 153, and the memory 151 are connected through the bus 152.
The Memory 151 may include a high-speed Random Access Memory (RAM) and may further include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. The communication connection between the network element of the system and at least one other network element is realized through at least one communication interface 153 (which may be wired or wireless), and the internet, a wide area network, a local network, a metropolitan area network, and the like can be used. Bus 152 may be an ISA bus, PCI bus, EISA bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 15, but that does not indicate only one bus or one type of bus.
The processor 150 may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware or instructions in the form of software in the processor 150. The Processor 150 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the device can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, or a discrete hardware component. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in the memory 151, and the processor 150 reads the information in the memory 151 and performs the steps of the method of the foregoing embodiment in combination with the hardware thereof.
Embodiments of the present invention further provide a machine-readable storage medium, where the machine-readable storage medium stores machine-executable instructions, and when the machine-executable instructions are called and executed by a processor, the machine-executable instructions cause the processor to implement the above transaction method for a digital asset, and specific implementation may refer to method embodiments, and is not described herein again.
The method, the apparatus, the system and the computer program product for trading digital assets provided by the embodiments of the present invention include a computer-readable storage medium storing a program code, where instructions included in the program code may be used to execute the method described in the foregoing method embodiments, and specific implementation may refer to the method embodiments, and will not be described herein again.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the system and the apparatus described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
In the description of the present invention, the terms "first", "second", and "third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art will understand that the following embodiments are merely illustrative of the present invention, and not restrictive, and the scope of the present invention is not limited thereto: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (22)

1. A method of trading a digital asset, comprising:
receiving an asset transaction request sent by terminal equipment, and acquiring the blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request; wherein the asset transaction request is indicative of an asset transaction being conducted; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key;
Sending the block chain account information to a bank information system so as to check whether a user corresponding to the block chain account information is a legal user or not through the bank information system;
if the user is a legal user, completing the asset transaction corresponding to the asset transaction request through a first blockchain network, and completing the accounting operation of the asset transaction through the bank information system; wherein the first blockchain network is used to complete the asset transaction.
2. The method of claim 1, wherein after the step of completing the asset transaction corresponding to the asset transaction request over the first blockchain network, the method further comprises: synchronizing status information of the asset transaction to a second blockchain network; the second blockchain network is used for recording the status information of the asset transaction.
3. The method of claim 1, wherein prior to the step of sending the blockchain account information to the bank information system, the method further comprises:
checking whether a private key of the blockchain account in the blockchain account information is correct or not;
if the blockchain account private key is correct, checking whether the account balance corresponding to the blockchain account address in the blockchain account information can realize the asset transaction of the asset transaction request;
And if the information can be realized, executing the step of sending the block chain account information to the bank information system.
4. The method according to claim 1, wherein before the step of receiving an asset transaction request sent by a terminal device and obtaining blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request, the method further comprises:
receiving a registration request sent by terminal equipment, and registering block chain account information for a user corresponding to the registration request through the first block chain network; the blockchain account information comprises a blockchain account address and a blockchain account private key;
and opening an account for the user corresponding to the registration request in the bank information system according to the block chain account information and the real identity information of the user corresponding to the registration request.
5. The method of claim 4, wherein after the step of registering blockchain account information for the user corresponding to the registration request via the first blockchain network, the method further comprises: and synchronizing the blockchain account information of the user corresponding to the registration request to a second blockchain network.
6. A method of trading a digital asset, the method comprising:
if the blockchain account information sent by the management service of the first blockchain network is received, checking whether a user corresponding to the blockchain account information is a legal user, and feeding back a checking result to the management service; the block chain account information is acquired according to an asset transaction request after the management service receives the asset transaction request sent by terminal equipment; wherein the asset transaction request is indicative of an asset transaction being conducted; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key; the first blockchain network is used to complete the asset transaction;
if an accounting request sent by the management service is received, accounting operation corresponding to the accounting request is completed; wherein the billing request is generated by the management service by: and after the user is confirmed to be a legal user through the check result, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and generating an accounting request corresponding to the asset transaction.
7. The method of claim 6, wherein after the step of completing the billing operation corresponding to the billing request, the method further comprises:
synchronizing operational state information of the billing operation to a second blockchain network; the second blockchain network is used for recording the operation state information of the accounting operation.
8. The method according to claim 6, wherein the step of checking whether the user corresponding to the blockchain account information is a valid user comprises:
checking whether the real identity information of the user corresponding to the block chain account address in the block chain account information is legal or not; the block chain account address, the real identity information and the user service information of the user are stored in an associated manner;
if the user is legal, detecting whether the user state of the user can normally carry out asset transaction or not through the user service information of the user;
if so, determining that the user is a legitimate user.
9. The method according to claim 8, wherein the step of checking whether the real identity information of the user corresponding to the blockchain account information is legal comprises:
checking whether the real identity information of the user corresponding to the block chain account information is legal or not through a bank information system;
If the identity information is legal, checking whether the real identity information of the user corresponding to the block chain account information is legal or not through a third block chain network; and the third block chain network stores the block chain account address and the real identity information of the user.
10. The method according to claim 6, wherein before the step of checking whether the user corresponding to the blockchain account information is a valid user, the method further comprises:
receiving a user account opening request sent by the management service, and acquiring user registered block chain account information corresponding to the user account opening request by the first block chain network according to the user account opening request; the blockchain account information comprises a blockchain account address and a blockchain account private key;
and performing account opening operation on the user corresponding to the user account opening request through the block chain account information and the real identity information of the user corresponding to the user account opening request.
11. The method according to claim 10, wherein after the step of performing an account opening operation for the user corresponding to the user account opening request through the blockchain account information and the real identity information of the user corresponding to the user account opening request, the method further comprises:
And synchronizing the real identity information of the user corresponding to the user account opening request and the account opening information of the user in the bank information system corresponding to the user account opening request to a second block chain network.
12. The method according to claim 10, wherein after the step of performing an account opening operation for the user corresponding to the user account opening request through the blockchain account information and the real identity information of the user corresponding to the user account opening request, the method further comprises:
checking whether the user corresponding to the user account opening request is legal or not according to the real identity information of the user corresponding to the user account opening request;
if the user is legal, establishing an identity mark for the user corresponding to the user account opening request; synchronizing the identity identification and the real identity information of the user to a third blockchain network; and the third block chain network is used for recording the identity of the user and the real identity information.
13. A method of trading a digital asset, the method comprising:
receiving an asset transaction request sent by a user, sending the asset transaction request to a management service of a first block chain network, and acquiring block chain account information of the user corresponding to the asset transaction request according to the asset transaction request through the management service; sending the block chain account information to a bank information system so as to check whether a user corresponding to the block chain account information is a legal user or not through the bank information system; if the user is a legal user, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and completing the accounting operation of the asset transaction through the bank information system;
Wherein the asset transaction request is indicative of an asset transaction being conducted; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key; the first blockchain network is used to complete the asset transaction.
14. A method of trading a digital asset, the method comprising:
if the state information of the asset transaction sent by the management service of the first blockchain network is received, synchronizing the state information of the asset transaction to the second blockchain network; wherein the first blockchain network is used to complete the asset transaction; the second blockchain network is used for recording the state information of the asset transaction;
if the blockchain account information of the user sent by the management service of the first blockchain network is received, synchronizing the blockchain account information of the user to the second blockchain network; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key;
if the operation state information of the accounting operation sent by the bank information system is received, synchronizing the operation state information of the accounting operation to the second block chain network;
And if the user identity information of the user and the account information of the user in the bank information system, which are sent by the bank information system, are received, synchronizing the user identity information of the user and the account information of the user in the bank information system to the second block chain network.
15. A transaction system for digital assets, the system comprising a first blockchain network and a banking information system;
the first blockchain network is to: receiving an asset transaction request sent by terminal equipment through a management service of the first blockchain network, and acquiring blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request; sending the block chain account information to the bank information system; wherein the asset transaction request is indicative of an asset transaction being conducted; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key;
the bank information system is configured to: checking whether the user corresponding to the block chain account information is a legal user or not;
the first blockchain network is further configured to: if the user is a legal user, completing the asset transaction corresponding to the asset transaction request;
The bank information system is further configured to: completing accounting operations for the asset transaction.
16. The system of claim 15, further comprising a second blockchain network;
the first blockchain network is further configured to: synchronizing status information of the asset transaction to the second blockchain network; the second blockchain network is used for recording the status information of the asset transaction.
17. A transaction apparatus for a digital asset, comprising:
the information acquisition module is used for receiving an asset transaction request sent by terminal equipment and acquiring the blockchain account information of a user corresponding to the asset transaction request according to the asset transaction request; wherein the asset transaction request is indicative of an asset transaction being conducted; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key;
the information sending module is used for sending the block chain account information to a bank information system so as to check whether a user corresponding to the block chain account information is a legal user or not through the bank information system;
the asset transaction module is used for completing asset transaction corresponding to the asset transaction request through a first blockchain network and completing accounting operation of the asset transaction through the bank information system if the user is a legal user; wherein the first blockchain network is used to complete the asset transaction.
18. An apparatus for trading digital assets, the apparatus comprising:
the information checking module is used for checking whether a user corresponding to the blockchain account information is a legal user or not if blockchain account information sent by a management service of a first blockchain network is received, and feeding back a checking result to the management service; the block chain account information is acquired according to an asset transaction request after the management service receives the asset transaction request sent by terminal equipment; wherein the asset transaction request is indicative of an asset transaction being conducted; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key; the first blockchain network is used to complete the asset transaction;
the accounting operation module is used for completing accounting operation corresponding to the accounting request if the accounting request sent by the management service is received; wherein the billing request is generated by the management service by: and after the user is confirmed to be a legal user through the check result, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and generating an accounting request corresponding to the asset transaction.
19. An apparatus for trading digital assets, the apparatus being configured to:
receiving an asset transaction request sent by a user, sending the asset transaction request to a management service of a first block chain network, and acquiring block chain account information of the user corresponding to the asset transaction request according to the asset transaction request through the management service; sending the block chain account information to a bank information system so as to check whether a user corresponding to the block chain account information is a legal user or not through the bank information system; if the user is a legal user, completing the asset transaction corresponding to the asset transaction request through the first blockchain network, and completing the accounting operation of the asset transaction through the bank information system;
wherein the asset transaction request is indicative of an asset transaction being conducted; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key; the first blockchain network is used to complete the asset transaction.
20. An apparatus for trading digital assets, the apparatus being configured to:
if the state information of the asset transaction sent by the management service of the first blockchain network is received, synchronizing the state information of the asset transaction to the second blockchain network; wherein the first blockchain network is used to complete the asset transaction; the second blockchain network is used for recording the state information of the asset transaction;
If the blockchain account information of the user sent by the management service of the first blockchain network is received, synchronizing the blockchain account information of the user to the second blockchain network; the blockchain account information comprises a blockchain account address registered by the user and a blockchain account private key;
if the operation state information of the accounting operation sent by the bank information system is received, synchronizing the operation state information of the accounting operation to the second block chain network;
and if the user identity information of the user and the account information of the user in the bank information system, which are sent by the bank information system, are received, synchronizing the user identity information of the user and the account information of the user in the bank information system to the second block chain network.
21. An electronic device comprising a processor and a memory, the memory storing machine executable instructions executable by the processor to perform the machine executable instructions to implement the method of trading a digital asset of any one of claims 1 to 5, or to perform the machine executable instructions to implement the method of trading a digital asset of any one of claims 6 to 12, or to perform the machine executable instructions to implement the method of trading a digital asset of claim 13, or to perform the machine executable instructions to implement the method of trading a digital asset of claim 14.
22. A machine-readable storage medium having stored thereon machine-executable instructions which, when invoked and executed by a processor, cause the processor to implement a method of trading a digital asset as claimed in any one of claims 1 to 5, or cause the processor to implement a method of trading a digital asset as claimed in any one of claims 6 to 12, or cause the processor to implement a method of trading a digital asset as claimed in claim 13, or cause the processor to implement a method of trading a digital asset as claimed in claim 14.
CN202010458323.0A 2020-05-26 2020-05-26 Digital asset transaction method, device and system and electronic equipment Pending CN113723953A (en)

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