CN116340985A - Ledger system of multi-layer digital wallet based on blockchain - Google Patents

Ledger system of multi-layer digital wallet based on blockchain Download PDF

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CN116340985A
CN116340985A CN202211305886.1A CN202211305886A CN116340985A CN 116340985 A CN116340985 A CN 116340985A CN 202211305886 A CN202211305886 A CN 202211305886A CN 116340985 A CN116340985 A CN 116340985A
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蔡维德
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Zeu Crypto Networks Inc
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Abstract

The invention provides a ledger system of multi-layer digital wallet based on block chain, which has two structures of single ledger and multiple ledger, comprising: (1) a single ledger: the whole multi-layer digital wallet only has one unique account book, all transactions pass through the unique account book, and different digital assets or digital asset certificates are stored in the unique account book; (2) multiple ledgers: the server side comprises a server side account book, the client side comprises a plurality of client side account books, and the server side account book maintains a plurality of client side account books of all the client sides. The digital wallet can perform verification by itself, trace the source and verify all transactions; using a blockchain system, the possibility of losing digital assets in a wallet is greatly reduced by a self-contained backup mechanism; the wallet belongs to a mechanism wallet, can be shared by a plurality of people, and is internally provided with a management rule by the mechanism, so that the mechanism can assist in developing business; the digital wallet forms a funds management system in the practical sense and may be connected to an autonomous organization or regulatory unit.

Description

Ledger system of multi-layer digital wallet based on blockchain
Technical Field
The invention belongs to a blockchain technical wallet and suspicious transaction identification and supervision technology, in particular to an account book system of a blockchain multi-layer digital wallet.
Background
The blockchain technique is a split-weight, multi-center technique. If real names are not present within the blockchain system, but anonymity is used, there is a financial risk and an uncontrollable risk. Many governance or regulatory technologies are solving these problems.
First, digital wallets have been an important component subsystem of digital currency. For example, when the digital RMB is opened by the people's bank, a great deal of time is spent in designing the digital wallet, and a great deal of digital wallet patents are also applied for. Traditionally, loss of digital currency private keys has had serious consequences, and the prior art therefore included many digital wallet designs, such as "cold wallets," i.e., offline wallets. Because the cold wallet is not on the internet, a hacker cannot attack, so the security is improved; but at the same time the real-time financial risk supervision function is lost.
Second, the conventional digital wallet is only used to store digital money (e.g., digital rmb), but this situation is changing. In addition, most of the governance technologies or supervision technologies are now focused on blockchain systems, and the supervision of digital wallets is not considered, for example, the supervision technology system TRISA issued by the international supervision organization financial action special working group (Financial Action Task Force, FATF) cannot track digital wallets. The TRISA system is used to implement "travel rules", simply referred to as customer identity authentication, and the term used in english is KYC (Know Your Customer). The China people's bank also signed the travel rules, so China also needs to execute the travel rules, but most (more than 75%) of digital asset transactions are not under the TRIS A supervision because the digital wallet cannot be tracked, so the TRIS A system is too loosely supervised to meet the current financial requirements. Therefore, a new strasa system needs to be proposed, which not only performs the task of the TRISA system, but also can track the digital wallet to solve the supervision defect existing in the prior art.
Third, since digital wallets can now be taken offline (e.g., cold wallets), and the digital wallets are engaged in blockchain transactions, but only in blockchain system operations of the digital currency, the digital wallets themselves have no blockchain system to record the transactions, but the strasa system is not yet sufficient, and the digital wallets still have the possibility of financial risk occurring.
In summary, the blockchain wallet scheme in the prior art does not consider the real-time financial supervision requirement, and even if the blockchain wallet scheme comprises a supervision scheme, an offline suspicious transaction identification method is adopted, so that illegal financial transactions such as illegal income legitimization are not identified timely, and supervision does not have real-time performance. Digital wallets now have the following disadvantages:
the digital wallet has no own block chain system, but depends on an external block chain system, and cannot be verified by the digital wallet, if the digital wallet is unexpected, the digital asset in the wallet is feared to be lost;
disadvantage 2: digital wallets are likely to be personal wallets or home wallets and are difficult to use in a large institution. In a large organization, a digital wallet can be shared by multiple people (from tens to hundreds of thousands), and the sharing mechanism is a rule inside the large organization;
disadvantage 3: digital wallet mechanisms are simplistic, lacking in modern database mechanisms or blockchain mechanisms;
disadvantage 4: digital wallets lack suitable regulatory mechanisms, as digital wallets can be cold wallets, can be offline, and once offline, no information can be found on the network, no international or national regulations are ever negotiated.
In the institution wallet, the general manager manages a plurality of managers and the manager manages a plurality of staff members, and the general manager, the manager, and the staff members can manage authority of company funds using the same digital wallet, and the general manager can manage accounts to the manager, and the manager can manage accounts to the staff members. We call the total manager wallet "parent wallet", manager wallet "child wallet", and staff wallet "Sun Qianbao". And this relationship may extend from 3 layers to multiple layers.
People's banks have also previously proposed the concept of mother and child digital wallets, but their designs have not used blockchain systems and have focused mainly on layer 2 digital wallets, comparable to home digital wallets. The digital wallet proposed here is an institutional digital wallet, can be multi-layered, and can be used by a large number of participants, ranging from tens to hundreds of thousands. The digital wallet here acts like a stand-alone locking system to provide multi-person financial services.
Disclosure of Invention
In order to solve the defects of the prior art, the patent provides a multi-layer digital wallet which not only participates in the blockchain operation of digital currency, but also has a blockchain system for recording. The digital wallet becomes a complete and relatively independent system, unlike the conventional digital wallet which simply stores digital money (e.g., digital rmb). Because the blockchain system in the digital wallet records the transactions of the digital wallet, the digital wallet becomes a distributed system, a large wallet, and the concept of the original digital wallet is greatly expanded both functionally and structurally.
The invention aims to provide a ledger system of a multi-layer digital wallet based on a blockchain, wherein the multi-layer digital wallet comprises a client and a server, the server comprises the blockchain system, and ledger data in the ledger system has two structures of a single ledger and a multi-ledger, and the ledger system comprises:
(1) Single account book system: the whole multi-layer digital wallet only has one unique account book, all transactions pass through the unique account book, and different digital assets or digital asset certificates are stored in the unique account book;
(2) Multiple ledger system: the server comprises a server ledger, the client comprises a plurality of client ledgers, and the server ledger maintains a plurality of client ledgers of all clients.
Preferably, the blockchain-based multi-layer digital wallet comprises: the client side and the server side communicate through a digital signature and public-private key encryption and decryption mechanism, so that the authenticity of the digital identity of the client side and the authenticity of the digital identity of the server side are ensured; the server is a private blockchain system in the digital wallet, so that the multi-layer digital wallet not only participates in blockchain operation of digital currency, but also records the blockchain operation through the private blockchain system in the digital wallet; the multi-layer digital wallet is a complete and relatively independent distributed system.
Preferably, the client ledger and the server ledger are based on the Bayesian general agreement PBFT, or CBFT maintains ledger consistency, or other consensus agreement.
Preferably, only one unique account book exists for the whole multi-layer digital wallet, the multi-layer digital wallet supports a 'server-side full control scheme', and a client cannot automatically start external transaction or accept a request of external transaction, but passes through a server; if the client initiates or accepts the transaction, the client firstly notifies the server, and after the client is licensed, the server initiates a transaction accepting request, and all the transactions are completed by interaction between the server and the outside.
Preferably, the server comprises a server ledger, the client comprises a plurality of client ledgers, both the server and the client have ledger schemes, and the multi-layer digital wallet supports a 'client autonomous scheme' and a 'client part autonomous scheme'.
Preferably, the "client autonomous scheme" is that a client automatically starts a request for external transaction without passing through a server, and after the client transacts, transaction related data is submitted to the server; the client uses the account book of the client to conduct transaction, and the permission of the server is obtained based on a multi-signature mechanism before, during and after the transaction;
preferably, the "client part autonomous scheme" is that the client can start external transaction or accept external transaction request by itself, but the transaction is limited, and the client needs to obtain the prior authorization of the server to start the transaction; the client uses the account book of the client to conduct the transaction, the front, middle and back of the transaction are permitted by the server, and the server can initiate or accept external transaction.
Preferably, either the single-ledger or multi-ledger system may use a single-chain system, a double-chain system, or a multiple-chain system.
Preferably, for single chain systems, a blockchain stores one or more ledgers; for a double-chain system, storing transaction information and account information on different blockchains; for a multiple strand system, there are different combinations as an extension of the double strand system.
A second object of the present invention is also to provide an application of the ledger system of the blockchain-based multi-layer digital wallet in digital transactions, characterized in that the method of digital transactions comprises:
s1, trading between a multi-layer digital wallet and the outside;
s2, checking transaction data by the blockchain system:
s3, the transaction data of the multi-layer digital wallet are linked;
s4, embedding an organization governance rule into the multi-layer digital wallet to manage transactions, wherein the organization governance rule is deployed in a digital wallet client, a server or an intelligent contract subsystem of the blockchain system;
and S5, providing an interface of the self-discipline organization or the supervision unit, so that the self-discipline organization or the supervision unit participates in the operation supervision of the server.
The invention has the beneficial effects that:
(1) Solving the defect 1: the digital wallet provided by the invention has a block chain system, and can be used for performing verification, tracing and verifying all transactions, including transactions with external systems and internal transfer transactions. Moreover, due to the use of the blockchain system, the blockchain system is provided with a backup mechanism, so that the possibility of losing the digital asset in the wallet is greatly reduced;
(2) Solving the defect 2: the digital wallet provided by the invention belongs to a mechanism wallet, can be shared by a plurality of people, can be internally provided with a management rule, and is used for assisting the mechanism to develop business;
(3) Solving the defect 3: the digital wallet provided by the invention comprises a software system, a blockchain system and a database system, thereby forming a fund management system in practical sense;
(4) Solving the defect 4: the digital wallet provided by the invention is provided with a wallet chain, and can be connected with an autonomous organization or a supervision unit, so that the digital wallet is not an illegal place.
The above, as well as additional objectives, advantages, and features of the present invention will become apparent to those skilled in the art from the following detailed description of a specific embodiment of the present invention when read in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the invention will be described in detail hereinafter by way of example and not by way of limitation with reference to the accompanying drawings. The same reference numbers will be used throughout the drawings to refer to the same or like parts or portions. It will be appreciated by those skilled in the art that the drawings are not necessarily drawn to scale. The objects and features of the present invention will become more apparent in view of the following description taken in conjunction with the accompanying drawings in which:
FIG. 1 is a schematic illustration of the combination of blockchain-based multi-level digital wallet ledger system in different digital transaction schemes in accordance with a preferred embodiment of the present invention.
Detailed Description
In order that the invention may be more readily understood, reference will now be made to the following description of the invention taken in conjunction with the accompanying drawings and examples. In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.
Example 1
A blockchain-based multi-level digital wallet comprising:
the client side and the server side communicate through a digital signature and public-private key encryption and decryption mechanism, so that the authenticity of the digital identity of the client side and the authenticity of the digital identity of the server side are ensured; the server is a private blockchain system in the digital wallet, so that the multi-layer digital wallet not only participates in blockchain operation of digital currency, but also records the blockchain operation through the private blockchain system in the digital wallet; the multi-layer digital wallet is a complete and relatively independent distributed system. Unlike conventional digital wallets, only designs that store digital money (e.g., digital RMB). Because the blockchain system in the digital wallet records the transaction of the digital wallet, the digital wallet becomes a distributed system, and the concept of the original digital wallet is greatly expanded in terms of functions and architecture; the "wallet chain" is placed at the server, rather than at the client, and all clients share this blockchain. The client can make a transaction request and inquire about related data.
As a preferred embodiment, the multi-layer digital wallet may store different digital currencies (e.g., digital RMB, or digital dollars) so that the multi-layer digital wallet may interact with multiple external "currency chains" or "asset chains".
As a preferred embodiment, the client of the multi-level digital wallet is, for example, a mobile phone of an employee in the institution.
As a preferred embodiment, the private blockchain system inside the multi-level digital wallet, which is used to record the transactions of the multi-level digital wallet and the outside, the transfer of the internal account, and the verification of all transactions and transfers, is referred to as the "wallet chain", unlike the blockchain system of digital currency ("currency chain") and the blockchain system of digital assets ("asset chain"). Thus, the "wallet chain" workload is much lower than that of a traditional blockchain system or a system responsible for global transactions, so that a lightweight blockchain system can be used as the "wallet chain", and the consensus speed is not the most dominant consideration, and security is the important consideration of the "wallet chain".
As a preferred embodiment, the client of the multi-level digital wallet may be, for example, an App or lightweight software running on a mobile phone or a terminal, and the client has an encryption and decryption function and a signature verification function module.
As a preferred embodiment, the "wallet chain" is a double-chain system or a multiple-chain system; the double-chain system comprises a transaction chain system and an account chain system, and corresponds to the wallet transaction chain system and the wallet account chain system in the embodiment; the multi-chain system is formed by mutually and interactively cooperating a plurality of block chain systems on the inter-chain network.
As a preferred implementation manner, the client may not participate in the operation of the server, such as operations under mechanisms of voting and verification; the design of the client is safer, and the wallet chain is safer because the client does not participate in the voting and verification mechanism of the wallet chain; and vice versa, the client is more secure because the wallet chain is more secure.
Since the digital asset information exists in the wallet chain, which has multiple nodes, the phenomenon that the private key is lost is difficult to happen. If a transaction model is used, it is safer because there is a credential on the wallet chain that is also only a digital asset, not an actual digital asset.
In a preferred embodiment, part or all of the clients may participate in the voting and verifying operations of the server, where the participating clients serve as nodes of the private blockchain system corresponding to the server. These clients typically use cell phones or notebooks, which require powerful computational power, storage and communication mechanisms, and often are on-line to support wallet-link operations. In such a design, the rights of clients participating in voting are large. However, if the client participating in the voting is broken by a hacker, there is a risk of the wallet chain being stopped or systematically, so that the client has an anti-attack module to secure.
As a preferred embodiment, the multi-layer digital wallet is built based on a parent-child account mechanism, including a parent wallet, child wallets and Sun Qianbao, wherein the parent-child account mechanism includes one or more child wallets that can be newly built by the parent wallet, the child wallets, when built, can communicate with the parent wallet to generate a private key known to only one corresponding child wallet, the corresponding child wallet uses the private key to sign the transaction, and a third party verifier uses the public key disclosed by the parent wallet to verify whether the signature is valid, thereby giving the child wallet the right to spend funds on the parent wallet account; the child wallet, while using the parent wallet to account for funds, satisfies the following characteristics: the transaction signed by the child purse is anonymous, and a third party cannot confirm and learn which child purse of the parent purse spends funds on the parent purse; the child wallet cannot acquire account balance of the parent wallet, so that fund privacy on the parent wallet account is protected; the parent wallet can pay limit to the child wallet, so that the child wallet is prevented from abusing funds on the parent wallet account; the parent wallet may withdraw the child wallet such that the withdrawn child wallet does not allow the parent wallet to spend funds on account;
the child wallet gives up its asset control to Sun Qianbao, where Sun Qianbao is in relationship to the child wallet, which is equivalent to the relationship between the child wallet and the parent wallet. Of course, those skilled in the art are familiar with, and so on, sun Qianbao may also generate a great sun wallet.
As a preferred embodiment, the parent-child account mechanism is implemented based on a group signature scheme with certificates and a block format based on an Ethernet account state tree Merkle Patricia Tree or other similar data structure, so that the multi-layer digital wallet can achieve flexible control over assets of increasingly complex form.
Example two
A blockchain-based transaction method for a multi-layer digital wallet, wherein the multi-layer digital wallet comprises a client and a server, the server comprising a blockchain system, the method comprising:
s1, trading between a multi-layer digital wallet and the outside;
s2, checking transaction data by the blockchain system:
s3, the transaction data of the multi-layer digital wallet are linked;
s4, embedding an organization governance rule into the multi-layer digital wallet to manage transactions, wherein the organization governance rule is deployed in a digital wallet client, a server or an intelligent contract subsystem of the blockchain system;
and S5, providing an interface of the self-discipline organization or the supervision unit, so that the self-discipline organization or the supervision unit participates in the operation supervision of the server.
For example, general institutions have spending limits on internal managers, e.g., a general manager may wholesale 5 ten thousand RMB by himself, and a department manager may wholesale 2 ten thousand RMB.
For example, the following smart contracts:
if (transaction amount required < 20000), then { transaction can proceed } else { transaction cannot proceed };
in a preferred embodiment, one client corresponds to an organization personnel, and the organization personnel is adapted with a fund usage management rule as an organization governance rule, and the fund usage management rule is deployed in a digital wallet.
As a preferred embodiment, the S1 includes transactions under three mechanisms, including:
s11, "client autonomous scheme": the client side automatically starts a request for external transaction without passing through the server side; after the client side transacts, submitting transaction related data to the server side; such as a request to initiate a transaction to a digital money system, or directly accept a request for an external transaction, such as a request from a digital money system for a transaction;
s12, "server-side full control scheme": the client cannot automatically start external transaction or accept external transaction requests, but passes through the server; if a client initiates or accepts a transaction, firstly notifying a server, and after obtaining a license, initiating an acceptance transaction request by the server, wherein all transactions are completed by interaction between the server and the outside;
s13, "client part autonomous scheme": the client may initiate a request for or accept an external transaction by itself, but the transaction is limited; the client needs to obtain the prior authorization of the server to start the transaction; for example, the client can start the transaction of the RMB with less than 100 digits, if the transaction amount is 50 RMB, the client can start the transaction by itself, and the server is notified after the transaction; if the transaction amount exceeds the authority, the client needs to inform the server, and after obtaining the permission of the server, the server starts the transaction; or the server initiates or accepts the external transaction by itself, and the server transfers the digital asset from the server ledger to the client ledger at random or at regular time, so that the client can transact with the external system under the preset limit.
As a preferred embodiment, there are many combinations in addition to the mechanism designs of S11, S12 or S13 above. For example, the client may initiate or accept a funds limited transaction, a limit of the transaction partner, a limit of use, a time and date limit, or any combination of the four.
In the present embodiment, for example: 1) Funds limited transactions, such as transactions below 100 RMB, but not transactions greater than 100 RMB; 2) Limitations of the transaction counterpart, such as that the counterpart can only be a bank; 3) Limitations in use, such as only supporting hydropower fees; 4) Time and date restrictions, such as 8 hours of day, may be traded; 5) The limitations of the foregoing combinations, such as up to 100 RMB per transaction, can only be handled up to 4 transactions per day.
As a preferred embodiment, the client and the server may have mutually agreed restrictions, for example, the client may only initiate 4 transactions per day, up to 100 RMB, and the server may only initiate or accept one transaction for a particular client.
As a preferred embodiment, the S2 includes:
for a 'client autonomous scheme', 'server full control scheme' or 'client partial autonomous scheme', the transaction data is checked according to a blockchain protocol before being uplink, wherein the blockchain protocol comprises signature checking, encryption and decryption and hash operation; therefore, the block chain ensures that the data is difficult to correct, and can trace the source due to the whole course of data.
In particular, the new digital wallet can identify suspicious transactions by itself, and the blockchain system of the wallet can enable the supervision units or the autonomous units to participate, and can immediately send out warnings if suspicious behaviors are found. Such a wallet may serve the enterprise and may track either conventional legal transactions or digital money transactions (e.g., digital RMB). In conventional law enforcement traders, the digital wallet stores only digital certificates of law enforcement, while in digital currency transactions, the digital wallet may store private keys of digital currency or certificates of digital currency.
As a preferred embodiment, the S3 includes one or more of the following five ways:
(1) All data related to the transaction is linked up; the data related to the transaction comprise a digital identity card of a transaction opponent, transaction time, transaction date, digital asset of the transaction, verification result and/or KYC result;
(2) The account information is uplink, including the uplink of the data in the updated account after each account update;
(3) Linking transaction flow data, including:
A. recording transaction opponent information, present account book information and related transaction information when a transaction is started, wherein the related transaction information comprises fund amount and/or digital assets;
B. data in the transaction;
C. data at the end of the transaction; the data at the end of the transaction comprises transaction completion time and digital assets after the transaction is completed;
(4) Submitting a data uplink request, data and uplink the data through the server side: when the data is submitted, server identity card, time, transaction related information and the current state of the server account book are required to be provided;
(5) Submitting, by the client, a data-chaining request, data, and chaining the data: in this case, the client can only upload the data corresponding to the "client autonomous scheme" and the "client partial autonomous scheme"; the data, when submitted, needs to provide the client digital identification card, time, transaction related information, and the current state of the client ledger.
As a preferred embodiment, the S5 includes:
s51, accessing part of nodes in the multi-layer digital wallet to an autonomous organization or a supervision unit to form supervision nodes, so that the multi-layer digital wallet is provided with a supervision mechanism; currently TRISA systems are not responsible for digital wallets, but are regulated by strasa, but some digital wallets may refuse to interact with strasa systems. But the digital wallet is directly connected with an autonomous organization and a supervision unit;
s52, the self-discipline organization or supervision unit automatically acquires the transaction information of the multi-layer digital wallet;
and S53, the self-discipline organization or the supervision unit supervises the transaction of the multi-layer digital wallet based on the supervision rule, for example, the transaction which is possibly violated by stopping one pass through the server side or stopping one pass through in time is stopped through the server side.
As a preferred embodiment, the supervision node is a special node, and the mechanism of the supervision node includes: 1) No internal transfer information is provided; 2) Client information is not provided; 3) Providing only information related to the multi-layer digital wallet and external transactions; 4) The supervision node stops any external transaction through a voting mechanism; 5) 1) -4).
As a preferred embodiment, the mechanism of the supervising node is implemented based on the server side processing the internal transfer transaction and the external transaction separately, and the server side ("wallet chain") needs to maintain the internal transfer transaction and the external transaction to be implemented based on a double-chain structure or a four-chain structure. Conventional blockchain systems maintain a single chain structure or a double chain structure; the double-stranded structure comprises: an internal transfer transaction chain and an external transaction chain are double-stranded; the four-chain structure includes: an internal transfer transaction chain, an internal transfer account chain, an external transaction chain, and an external transaction account chain; wherein the autonomous organization or regulatory unit can only regulate an external chain of transactions; or can only supervise the external transaction chain and the external transaction account chain simultaneously.
Example III
As shown in fig. 1, a ledger system of a multi-layer digital wallet based on a blockchain, wherein ledger data in the ledger system has two structures of a single ledger and a multiple ledger, comprising:
(1) Single account book system: the whole multi-layer digital wallet only has one unique account book, all transactions pass through the unique account book, and different digital assets or digital asset certificates, such as digital RMB or digital real estate certificates, are stored in the unique account book;
(2) Multiple ledger system: the server comprises a server ledger, the client comprises a plurality of client ledgers, and the server ledger maintains a plurality of client ledgers of all clients; the client account book and the server account book keep account book consistency based on a Bayesian-to-busy agreement PBFT or CBFT; of course, those skilled in the art will recognize that other consensus mechanisms than the Bayesian general protocol PBFT or CBFT are also within the scope of the present invention.
As a preferred embodiment, there is only one unique account book for the whole multi-layer digital wallet, the multi-layer digital wallet supports a 'server-side full control scheme', and the client cannot start external transaction or accept external transaction request by itself, but passes through the server; if a client initiates or accepts a transaction, firstly notifying a server, and after obtaining a license, initiating an acceptance transaction request by the server, wherein all transactions are completed by interaction between the server and the outside;
the server comprises a server account book, the client comprises a plurality of client account books, the server and the client have account book schemes, and the multi-layer digital wallet supports a client autonomous scheme and a client part autonomous scheme;
the client autonomous scheme is that the client automatically starts a request for external transaction without passing through a server, and the client submits transaction related data to the server after the client transacts; the client uses the account book of the client to conduct transaction, and the permission of the server is obtained based on a multi-signature mechanism before, during and after the transaction;
the client part autonomous scheme is that the client can automatically start external transaction or accept external transaction requests, but the transaction is limited, and the client can start the transaction by being authorized by the server in advance; the client uses the account book of the client to conduct the transaction, the front, middle and back of the transaction are permitted by the server, and the server can initiate or accept external transaction.
Although there is only one unique account book for the whole multi-layer digital wallet, the client-side autonomous scheme and the client-side partial autonomous scheme can be supported, but the flow is complex. Fig. 1 shows a combination of possible ledger data structures:
as a preferred embodiment, either a single-ledger or multiple-ledger system may use a single-chain system, a double-chain system, or a multiple-chain system; for single-chain systems, a blockchain stores one or more ledgers; the double-chain system stores transaction information and account information on different chains; multiple strand systems are extensions of double strand systems, and different combinations are possible.
The three above embodiments are implemented:
(1) Solving the defect 1: the digital wallet provided by the invention has a block chain system, and can be used for performing verification, tracing and verifying all transactions, including transactions with external systems and internal transfer transactions. Moreover, due to the use of the blockchain system, the blockchain system is provided with a backup mechanism, so that the possibility of losing the digital asset in the wallet is greatly reduced;
(2) Solving the defect 2: the digital wallet provided by the invention belongs to a mechanism wallet, can be shared by a plurality of people, can be internally provided with a management rule, and is used for assisting the mechanism to develop business;
(3) Solving the defect 3: the digital wallet provided by the invention comprises a software system, a blockchain system and a database system, thereby forming a fund management system in practical sense;
(4) Solving the defect 4: the digital wallet provided by the invention is provided with a wallet chain, and can be connected with an autonomous organization or a supervision unit, so that the digital wallet is not an illegal place.
In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.
While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by the embodiments but only by the appended claims. It will be appreciated by those skilled in the art that changes and modifications may be made to the embodiments of the invention without departing from the scope and spirit thereof.

Claims (10)

1. The utility model provides a ledger system of multilayer digital wallet based on blockchain, its characterized in that, wherein multilayer digital wallet includes customer end and service end, the service end includes the blockchain system, ledger data in the ledger system has two kinds of structures of single ledger and multi-ledger, includes:
(1) Single account book system: the whole multi-layer digital wallet only has one unique account book, all transactions pass through the unique account book, and different digital assets or digital asset certificates are stored in the unique account book;
(2) Multiple ledger system: the server comprises a server ledger, the client comprises a plurality of client ledgers, and the server ledger maintains a plurality of client ledgers of all clients.
2. The ledger system of blockchain-based multi-layer digital wallets of claim 1, wherein the blockchain-based multi-layer digital wallets comprise: the client side and the server side communicate through a digital signature and public-private key encryption and decryption mechanism, so that the authenticity of the digital identity of the client side and the authenticity of the digital identity of the server side are ensured; the server is a private blockchain system in the digital wallet, so that the multi-layer digital wallet not only participates in blockchain operation of digital currency, but also records the blockchain operation through the private blockchain system in the digital wallet; the multi-layer digital wallet is a complete and relatively independent distributed system.
3. The blockchain-based multi-tier digital wallet ledger system of claim 2, wherein the client ledger and the server ledger are based on the bayer general agreement PBFT or CBFT.
4. A ledger system of a blockchain-based multi-level digital wallet as claimed in claim 3, characterized in that there is only one unique ledger for the whole multi-level digital wallet, said multi-level digital wallet supporting a "server-side full control scheme", the client cannot initiate external transactions or accept requests for external transactions by itself, but passes through the server; if the client initiates or accepts the transaction, the client firstly notifies the server, and after the client is licensed, the server initiates a transaction accepting request, and all the transactions are completed by interaction between the server and the outside.
5. The ledger system of blockchain-based multi-level digital wallet of claim 4, wherein the server includes a server ledger, the client includes a plurality of client ledgers, both the server and the client have ledger schemes, the multi-level digital wallet supporting a "client autonomous scheme" and a "client part autonomous scheme".
6. The ledger system of multi-layer digital wallet based on blockchain of claim 5, wherein the "client autonomous scheme" is that a client initiates a request for external transaction by itself without going through a server, and the client submits transaction related data to the server after the transaction; and the client uses the account book of the client to conduct transaction, and the client obtains the permission of the server based on a multi-signature mechanism before, during and after transaction.
7. The ledger system of multi-level digital wallet based on blockchain of claim 6, wherein the "client part autonomous scheme" is that the client can initiate external transactions or accept requests for external transactions by itself, but the transactions are limited, the client needs to be authorized by the server in advance to initiate the transactions; the client uses the account book of the client to conduct the transaction, the front, middle and back of the transaction are permitted by the server, and the server can initiate or accept external transaction.
8. The ledger system of blockchain-based multi-level digital wallet of claim 7, wherein either the single ledger or the multiple ledger system can use a single-chain system, a double-chain system or a multiple-chain system.
9. The blockchain-based multi-level digital wallet ledger system of claim 8, wherein for single-chain systems, a blockchain stores one ledger or multiple ledgers; for a double-chain system, storing transaction information and account information on different blockchains; for a multiple strand system, there are different combinations as an extension of the double strand system.
10. Use of a blockchain-based ledger system for a multi-layer digital wallet in a digital transaction, the method of the digital transaction comprising:
s1, trading between a multi-layer digital wallet and the outside;
s2, checking transaction data by the blockchain system:
s3, the transaction data of the multi-layer digital wallet are linked;
s4, embedding an organization governance rule into the multi-layer digital wallet to manage transactions, wherein the organization governance rule is deployed in a digital wallet client, a server or an intelligent contract subsystem of the blockchain system;
and S5, providing an interface of the self-discipline organization or the supervision unit, so that the self-discipline organization or the supervision unit participates in the operation supervision of the server.
CN202211305886.1A 2022-10-25 2022-10-25 Ledger system of multi-layer digital wallet based on blockchain Pending CN116340985A (en)

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