TWI644270B - Account network system with a regulatory mechanism and its implementing method - Google Patents

Abstract

A account network system with a supervisory mechanism and an implementation method thereof, obtain the identity information of the source client according to the source account and the source certificate public key, and obtain the identity information of the destination client according to the destination account and the destination certificate public key through the connection terminal of the connection account network, Decrypting the verified data block according to the voucher and the supervision voucher of the income node, so as to obtain the transaction content of the source client and the destination client in the account network, to achieve the technology for preventing the source client and the destination client from using the account network to wash money. efficacy.

Description

Account network system with supervision mechanism and implementation method thereof

[0001] The present invention relates to a account network system and an implementation method thereof, and particularly to a account network system with a supervisory mechanism and an implementation method thereof.

[0002] In recent years, with the popularity and vigorous development of blockchains, various blockchain-based applications have sprung up. [0003] In general, a blockchain refers to writing all records (such as credit records, grant records, and redemption records) into individual data blocks, one after another. The ground links are combined into a blockchain, in which each data block is verified by each node in the blockchain network before being linked, and will be linked after the validation is valid, and once it is linked It is very difficult to modify afterwards. Therefore, the blockchain has the characteristics of decentralization, difficulty in tampering, and transparency in transactions. However, since the blockchain can be viewed by all nodes, how to balance real-name transactions and transaction privacy has become one of the problems that various vendors are eager to solve. [0004] In view of this, there is a technology proposed by the manufacturer to encrypt the content recorded in the blockchain, so that the nodes of the blockchain can browse and verify, but cannot directly know the actual transaction. content. However, when a government unit needs to obtain any transaction, it is easy to encounter the dilemma of being difficult to promote and pass relevant laws and regulations because it is impossible to check the flow and real name of all transactions. [0005] In summary, it can be seen that there has been a long-standing problem in the prior art that the flow and real name of all transactions cannot be inspected. Therefore, it is necessary to propose an improved technical means to solve this problem.

[0006] The present invention discloses a account networking system with a supervisory mechanism and an implementation method thereof. [0007] First, the present invention discloses a account networking system with a supervisory mechanism, which includes: a billing network and a supervisory end. The account network includes a revenue node, a spending node, and N verification nodes, where N is a positive integer greater than or equal to one. The revenue node is used to establish a destination account according to the destination credential public key of the destination client. The expenditure node includes a servo module, a transaction module, and a block building module. The servo module is configured to establish a source account according to the source certificate public key of the source client; the transaction module is configured to execute the transaction instruction when the transaction is performed, and generate a corresponding transaction record according to the execution result of the transaction instruction, wherein the transaction record includes the source account The transaction content, the destination account, the voucher and the supervision voucher of the income node; the block building module is used to sequentially write all the generated transaction records into the data block and broadcast the data block. Each verification node includes a link module, one of the verification nodes is used to verify the data block, and when the data block passes the verification, the link forms a blockchain through the verified data block. The supervisor uses the source account, the source certificate public key, the destination account, the destination voucher public key, the voucher of the revenue node, and the supervision voucher, and obtains the identity message of the source client according to the source account and the source voucher public key, according to the destination account and purpose. The voucher public key obtains the identity message of the destination client, and decrypts the verified data block according to the voucher and the supervision voucher of the income node to obtain the transaction content of the source client and the destination client in the account network. [0008] In addition, the present invention discloses a method for implementing a billing network system with a supervisory mechanism, the steps of which include: providing a net of accounts; establishing a source account according to a source credential public key of the source client; establishing a public key of the destination credential according to the destination client a destination account; executing a transaction instruction when the transaction is performed, and generating a corresponding transaction record according to the execution result of the transaction instruction, wherein the transaction record includes a source account, a transaction content, a destination account, a voucher of the revenue node, and a supervision certificate; All transaction records generated are written into the data block, and the data block is broadcasted; the data block is verified, and when the data block passes the verification, the link forms a blockchain through the verified data block; Supervisor; obtain source account, source voucher public key, destination account, destination voucher public key, voucher of income node, and supervision voucher; obtain identity information of source client according to source account and source voucher public key; according to destination account and destination voucher Key to get the identity message of the destination client And node credentials based on income and regulatory credentials by verifying the decrypted data block, in order to obtain the source client and destination client in the transaction accounts intranet content. [0009] The system and method disclosed by the present invention are different from the prior art in that the present invention obtains the identity information of the source client according to the source account and the source certificate public key through the connection terminal of the connection account network, according to the destination account and the destination certificate. The public key obtains the identity message of the destination client, and decrypts the verified data block according to the voucher and the supervision voucher of the income node to obtain the transaction content of the source client and the destination client in the account network. [0010] Through the above technical means, the present invention can achieve the technical effect of preventing the source client and the destination client from using the account network to wash money.

[0012] The embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, and the implementation of the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented. [0013] Before explaining the account network system with the supervision mechanism disclosed in the present invention and the implementation method thereof, the nouns defined by the present invention are first described. The account network of the present invention is mutually connected by at least three nodes in a point-to-point manner. A connection composition in which each node can be selected as a revenue node, a expenditure node, or a verification node. In more detail, the account network includes at least three nodes, each node has the same components and structure, the only difference is that each time a transaction process is performed, each node plays a different role depending on its execution program. In the transaction procedure, the node responsible for transferring the currency is the expenditure node, and the node responsible for transferring the currency is the income node. The node in the account network that is not responsible for transferring or transferring the currency is the verification node. Where "money" refers to money, which can be recycled as a medium of trading representing quantitative values. In actual implementation, each node may be a computer device provided by a recognized, trustworthy financial institution, a distributor, a carrier, an organization, etc., for example, a licensed operator or a server of a financial institution. [0014] In addition, in an embodiment, each node in the account network includes a servo module, a transaction module, a block building module, and a link module. The servo module is used to establish an account according to the client's credential public key. The transaction module is configured to execute a transaction instruction when the transaction is performed, and generate a corresponding transaction record according to the execution result of the transaction instruction, wherein the transaction record includes a source account, a transaction content, a destination account, a voucher of the revenue node, and a supervision certificate. The block building module is configured to sequentially write all the generated transaction records into the data block and broadcast the data block. The verification node is used to verify the data block, and when the data block passes the verification, the link forms a blockchain through the verified data block. In another embodiment, each node in the account network may further include a credential module, a storage module, and a registration module. The servo module is configured to establish an account and generate a voucher request including an account and a voucher public key, and transmit a voucher request to apply for a blockchain voucher; the voucher module is configured to receive and verify the credential request, and when the voucher request passes the verification, the generating area Blockchain certificate; the storage module is configured to store the account and its corresponding blockchain certificate and the voucher public key; the registration module is configured to add a hash value of the account and the blockchain voucher according to the contract address of the account network and the node The account address is registered to the account network. [0015] The account networking system with the supervision mechanism of the present invention and its implementation method are further described below with reference to the drawings. It should be noted that the description of the following embodiments is in a transaction procedure, the node responsible for transferring money in the account network (ie, the expenditure node), the node responsible for transferring money (ie, the income node), and the non-responsible in the account network. The interaction between the nodes that are transferred or transferred to the currency (ie, the verification nodes) is described. These nodes are not limited to only play the income node, the expenditure node or the verification node, and can be executed according to the execution procedure in each transaction process. And for different nodes. [0016] Please refer to "Figure 1" first, "Figure 1" is a block diagram of an embodiment of a billing network system with a supervisory mechanism. The account network system 100 with a supervisory mechanism includes: the account network 200 and the supervisory side. 150. The account network 200 includes a revenue node 202, a spending node 204, and N verification nodes 206, where N is a positive integer greater than or equal to one. In the present embodiment, N may be 1. The revenue node 202, the expenditure node 204, and the verification node 206 are interconnected in a point-to-point manner to form the account network 200. The network can be an internet, a private network, a virtual private network, and the like. The revenue node 202, the expenditure node 204, and the verification node 206 all include a servo module 111, a transaction module 112, a block building module 114, and a link module 116. It should be noted that in order to avoid the complication of the drawing, "FIG. 1" only shows a block diagram of the income node 202 and the expenditure node 204 as a representative. [0017] In this embodiment, the servo module 111 of the payout node 204 can establish a source account according to the source credential public key 40 of the source client 120, and the servo module 111 of the revenue node 202 can be based on the destination credential of the destination client 130. The public key 42 establishes a destination account. In addition, in actual implementation, the source account may also be established according to the source certificate public key 40 of the source client 120 and the risk assessment audit of the source client 120, and the destination account may also be based on the destination certificate public key of the destination client 130. Established with a risk assessment audit of the destination client. The risk assessment audit is to conduct a “Know Your Customer (KYC)” audit to avoid becoming a money laundering channel and transaction disputes. [0018] In addition, in this embodiment, the establishment of the corresponding account can be implemented by the application interface "Amis API" applicable to the blockchain, but the embodiment is not intended to limit the present invention. For example, the source account may be, but not limited to, a spending account, and the spending account is “1HLZjrjvPMfW3YehTN3E9Bd7a6zvEZwque”, and the destination account may be, but not limited to, a revenue account, and the revenue account is “1777caDAxdxuboQWEiWKYAkw1dfEmW6rFj”. [0019] wherein the source voucher public key 40 and the destination voucher public key 42 may be selected from a public key generated by any one of a real-name phone number, a natural person voucher, a financial voucher, and a business voucher, the source client 120 and the destination. The client 130 may be a representative of an individual or a legal person, and may respectively use the source certificate public key 40 and the computer device through a computer device having a network connection function, a notebook computer, a smart phone, a personal digital assistant, and the like. The destination credential public key 42 requests the payout node 204 and the revenue node 202 to establish a source account and a destination account. [0020] In this embodiment, the transaction module 112 of the spending node 204 executes a transaction instruction when performing a transaction, and generates a corresponding transaction record according to the execution result of the transaction instruction, where the transaction record includes a source account, a transaction content, The credentials of the destination account, revenue node, and supervision credentials. The block building module 114 of the spending node 204 is configured to sequentially write all the generated transaction records into the data block and broadcast the data block to the account network 200. The link module of the verification node 206 (to avoid the complication of the drawing, "the first picture" does not show the link module of the verification node 206) for verifying the data block, and when the data block passes the verification, the chain The block forms a blockchain through the verified data block. [0021] In particular, the blockchain refers to writing all transaction records into each block, and each block is chained together one after another to become a blockchain. Each block will be verified by each node before being linked, and will be linked after the validation is valid, and once the link is very difficult to modify. In other words, in order to avoid the falsification of the transaction record, thereby improving the overall reliability, the transaction record will be written to the data block in accordance with the time sequence of the transaction, and the data block will be provided to the non-broadcast data on the account network 200. The nodes of the block are verified and allowed to be chained to form a blockchain when the verification is correct. In practical implementation, the establishment, chaining, maintenance, etc. of the blockchain can be implemented using conventional techniques, such as the version of the agreement issued by Ethereum. The blockchain will greatly increase the reliability of transaction records. In addition, in actual implementation, in addition to the common digital currency, the written transaction records may also be transaction records such as securities transactions, real estate transactions, and barter. As for writing transaction records, we can also perform hashing, encryption, etc. to ensure that the transaction records are not tampered with. In addition, in actual implementation, the block building module 114 of the spending node 204 can satisfy a fixed time interval (eg, 24 hours), instant (in other words, when the pen transaction is completed), or transaction. When the record satisfies a preset amount (for example, 512 transactions), another data block is generated for the transaction record to be written. [0022] In this embodiment, the supervisor 150 connects to the account network 200 and is used to obtain the source account, the source certificate public key 40, the destination account, the destination voucher public key 42, the voucher of the revenue node, and the supervision voucher, and according to the source account. Obtaining the identity message of the source client 120 with the source certificate public key 40, obtaining the identity message of the destination client 130 according to the destination account and the destination voucher public key 42, and decrypting the verified data block according to the voucher and the supervision voucher of the income node, The transaction content of the source client 120 and the destination client 130 in the account network 200 is obtained. [0023] Next, please refer to "Figure 2", "Figure 2" is a flow chart of the method for implementing the accounting network system according to "Figure 1", the steps of which include: providing the account network 200 ( Step 410): establishing a source account according to the source credential public key 40 of the source client 120 (step 420); establishing a destination account according to the destination credential public key 42 of the destination client 130 (step 430); executing a transaction instruction when the transaction is performed, And generating a corresponding transaction record according to the execution result of the transaction instruction, wherein the transaction record includes the transaction record including the source account, the transaction content, the destination account, the voucher and the supervision voucher of the income node (step 440); all the transaction records to be generated in sequence The data block is written, and the data block is broadcast to the account network 200 (step 450); the data block is verified, and when the data block passes the verification, the link forms a blockchain through the verified data block (step 460). Providing a supervising terminal 150 connecting the account network 200 (step 470); obtaining a source account, a source voucher public key 40, a destination account, a destination The voucher public key 42, the voucher of the income node, and the supervision voucher (step 480); obtaining the identity message of the source client 120 according to the source account and the source voucher public key 40 (step 482); obtaining the purpose according to the destination account and the destination voucher public key 42 The identity information of the client 130 (step 484); and decrypting the verified data block according to the voucher and the supervision voucher of the revenue node to obtain the transaction content of the source client 120 and the destination client 130 in the account network 200 (step 486) ). [0024] Through the above steps, the identity information of the source client 120 can be obtained from the source account and the source certificate public key 40 through the supervisory terminal 150, and the identity information of the destination client 130 is obtained according to the destination account and the destination certificate public key 42, according to The voucher and the supervision voucher of the income node are decrypted through the verified data block to obtain the transaction content of the source client 120 and the destination client 130 in the account network 200, to achieve prevention of the source client 120 and the destination client 130 from utilizing the account. The technical effect of Internet 200 money laundering. In addition, since the block building module 114 of the spending node 204 can be immediately written into the data block after the pen transaction record is completed according to the prior setting, and broadcasted to the account network 200 for instant verification and updating the block of the account network 200. The chain enables the supervisor 150 to obtain the source client 120 and the destination client 130 at any time and immediately according to the source account, the source certificate public key 40, the destination account, the destination voucher public key 42, the voucher of the revenue node, and the supervision voucher. The transaction content in the network 200. [0025] The following is a description of another embodiment in conjunction with "3" and "4". Please refer to "3" and "3" for the accounting network with supervision mechanism. A block diagram of another embodiment of the system. The difference between this embodiment and the foregoing embodiment is that, in this embodiment, the revenue node 202, the expenditure node 204, and the verification node 206 may further include: a credential module 320, a storage module 322, and a registration module 324. It should be noted that in order to avoid the complication of the drawing, "Picture 3" only represents the block diagram of the expenditure node 204 as a representative. In this embodiment, the servo module 111 of the spending node 204 can be used to establish a source account and generate a credential request containing the source account and the source credential public key 40, and transmit a credential request to request a blockchain credential. The voucher module 320 of the payout node 204 can be used to receive and verify credential requests, and when the credential request passes verification, a blockchain credential is generated. In actual implementation, the credential module 320 verifies that the credential request is verified by the source credential public key 40. When the verification is passed, the credential module 320 generates a new credential (ie, a blockchain credential). The storage module 322 of the spending node 204 can be used to store the source account and its corresponding blockchain credentials and source credential public key 40. In actual implementation, the storage module 322 can be an associated database, and the storage medium can be a hard disk, a memory, a readable and writable optical disk, a magnetic tape, or the like. Additionally, for privacy considerations, the storage module 322 can be configured to only allow the supervisor 150 to read its content. The registration module 324 of the spending node 204 can be used to register the source account, the hash value of the blockchain voucher, and the account address of the payout node 204 to the account network 200 according to the contract address in the account network 200. [0027] The supervisory terminal 150 connects to the account network 200 and is used to obtain the source account, the source certificate public key 40, the destination account, the destination voucher public key 42, the voucher of the revenue node, and the supervision voucher. When the supervisory end 150 supervises the account network 200, the payout node 204 that issues the source account can be known through the account address in the contract address, and the integrity of the blockchain credential is confirmed by the hash value of the blockchain credential, and then The source account and the source credential public key 40 learn the identity message of the source client 120 (ie, the real name of the source client 120), and learn the identity message of the destination client 130 via the destination account and the destination credential public key (ie, the destination client 130). The real name is then decrypted by the verified data block according to the voucher and the supervision voucher of the income node to obtain the transaction content of the source client 120 and the destination client 130 in the account network 200. [0028] Next, please refer to "Figure 4", "Figure 4" is a flow chart of the method for implementing the Internet of Accounts with the regulatory mechanism according to "Figure 3", the steps and the steps of "Figure 2" The difference is that step 420 of "FIG. 2" further includes: establishing a source account and generating a credential request including the source account and the source credential public key 40, and transmitting the credential request to apply for the blockchain credential (step 510); And verifying the credential request, when the credential request passes the verification, generating a blockchain credential (step 520); storing the source account and its corresponding blockchain credential and source credential public key 40 (step 530); and according to the account network 200 The contract address registers the source account, the hash value of the blockchain voucher, and the account address of the payout node 204 to the account network 200 (step 540). It should be noted that in order to avoid the complexity of the drawing, "4th drawing" omits the steps after step 430. [0029] Through steps 510 to 540, the source account can be established through the expenditure node 204, the corresponding blockchain certificate is generated, and the blockchain certificate and its corresponding source account and source certificate public key are stored, and according to the contract address. The source account, the hash value of the blockchain voucher, and the account address of the payout node 204 are registered to the account network 200 for achieving the technical effect of improving audit convenience. [0030] In summary, it can be seen that the difference between the present invention and the prior art is that the supervisory end of the connected account network obtains the identity information of the source client according to the source account and the source certificate public key, and obtains the identity account according to the destination account and the destination certificate public key. The identity message of the destination client decrypts the verified data block according to the voucher and the supervision voucher of the income node, so as to obtain the transaction content of the source client and the destination client in the account network, and the prior art can be solved by using a technical means. The existing problem, in turn, achieves the technical effect of preventing the source client and the destination client from using the account network to wash money. In addition, since the block building module of the spending node can be immediately written into the data block after the completion of the pen transaction record according to the prior setting, and broadcasted to the account network for instant verification and updating the blockchain of the account network, the supervision is performed. The terminal may also obtain the transaction content of the source client and the destination client in the account network at any time and immediately according to the source account, the source certificate public key, the destination account, the destination certificate public key, the receipt of the revenue node, and the supervision certificate. [0031] Although the present invention has been described above in the foregoing embodiments, it is not intended to limit the invention, and it is obvious to those skilled in the art that some modifications and refinements may be made without departing from the spirit and scope of the invention. The patent protection scope of the present invention is defined by the scope of the patent application attached to the specification.

[0032]

40‧‧‧Source voucher public key

42‧‧‧ Purpose Document Public Key

100‧‧‧Accounting system with regulatory mechanism

111‧‧‧Servo Module

112‧‧‧Transaction module

114‧‧‧block building module

116‧‧‧Link Module

120‧‧‧Source client

130‧‧‧ destination client

150‧‧‧Supervisory

200‧‧‧ Account Network

202‧‧‧ income node

204‧‧‧ Expenditure node

206‧‧‧Verification node

320‧‧‧Voucher module

322‧‧‧ storage module

324‧‧‧ Registration Module

Step 410‧‧‧ Providing account networking

Step 420‧‧‧ Establish a source account based on the source credential public key of the source client

Step 430‧‧‧ Create a destination account based on the destination client's destination public key

Step 440‧‧‧ executes the transaction instruction when the transaction is performed, and generates a corresponding transaction record according to the execution result of the transaction instruction, wherein the transaction record includes the source account, the transaction content, the destination account, the voucher and the supervision certificate of the income node

Step 450‧‧‧Insert all transaction records generated in the data block and broadcast the data block to the account network

Step 460‧‧‧Verify the data block, and when the data block passes the verification, the link passes the verified data block shape

Blockchain

Step 470‧‧‧ Provide the supervisory side of the connected account network

Step 480‧‧‧Get source account, source certificate public key, destination account, destination voucher public key, revenue node voucher, and supervision certificate

Step 482‧‧‧Acquire the identity message of the source client based on the source account and the source certificate public key

Step 484‧‧‧Acquire the identity message of the destination client according to the destination account and the destination voucher public key

Step 486‧‧‧ Decrypt the verified data block according to the voucher of the income node and the supervision voucher to obtain the transaction content of the source client and the destination client in the account network

Step 510‧‧‧ Create a source account and generate a voucher request containing the source account and the source voucher public key, and transmit the voucher request to request a blockchain voucher

Step 520‧‧‧ Receive and verify the credential request, and generate the blockchain credential when the credential request passes the verification

Step 530‧‧‧Storage source account and its corresponding blockchain certificate and source certificate public key

Step 540‧‧‧ Register the source account, the hash value of the blockchain voucher, and the account address of the payout node to the account network according to the contract address in the account network.

[0011] FIG. 1 is a block diagram of an embodiment of a billing network system with a supervisory mechanism of the present invention. Figure 2 is a flow chart of a method for implementing the account networking system with the supervisory mechanism according to Figure 1. Figure 3 is a block diagram showing another embodiment of the account networking system with a supervisory mechanism of the present invention. Figure 4 is a flow chart of the method of implementing the account networking system with the supervisory mechanism according to Figure 3.

Claims (10)

A billing network system with a supervisory mechanism, comprising: a billing network comprising: a revenue node for establishing a destination account according to a destination credential public key of a destination client; and a payout node comprising: a servo module, Generating a source account according to a source voucher public key of a source client; a transaction module for executing a transaction instruction when the transaction is performed, and generating a corresponding transaction record according to the execution result of the transaction instruction, wherein The transaction record includes the source account, a transaction content, the destination account, a voucher and a supervision voucher of the revenue node, and a block building module for sequentially writing all the transaction records generated into one data. Blocking, and broadcasting the data block; and N verification nodes, each verification node includes a link module, one of the verification nodes is used to verify the data block, and when the data block passes verification The link forms a blockchain through the verified data block, wherein N is a positive integer greater than or equal to 1; and a supervisory end is configured to obtain the block a source account, the source voucher public key, the destination account, the destination voucher public key, the voucher of the revenue node, and the supervision voucher, and obtaining an identity message of the source client according to the source account and the source voucher public key, according to The destination account and the destination public key obtain the client of the destination And sub-message, decrypting the verified data block according to the voucher of the revenue node and the supervision voucher to obtain the transaction content of the source client and the destination client in the account network. According to the accounting network of claim 1, the source certificate public key and the destination certificate public key may be selected from any one of a real-name telephone number, a natural person certificate, a financial certificate, and a business certificate. key. According to the accounting system of claim 1, the source account is established according to the source certificate public key and the risk assessment of the source client, and the destination account is based on the purpose public key of the certificate A risk assessment review of the client for this purpose is established. According to the accounting system of claim 1, the expenditure node further includes a voucher module, a storage module and a registration module, wherein the server module is used to establish the source account and Generating a credential request including the source account and the source credential public key, and transmitting the credential request to apply for a blockchain credential; the credential module is configured to receive and verify the credential request, when the credential request passes the verification, Generating the blockchain voucher; the storage module is configured to store the source account and its corresponding blockchain voucher and the source voucher public key; the registration module is configured to use the voucher address of the account network The source account, a hash value of the blockchain voucher, and an account address of the payout node are registered to the account network. According to the account network system of claim 4, wherein the supervisor confirms the integrity of the blockchain voucher based on the hash value. An implementation method of a account network system with a supervisory mechanism, the steps of which include: Providing a billing network comprising a revenue node, a spending node and N verification nodes; the revenue node establishing a source account according to a source credential public key of a source client; the paying node is based on a destination credential public key of a destination client Establishing a destination account; the spending node executes a transaction instruction when the transaction is performed, and generates a corresponding transaction record according to the execution result of the transaction instruction, wherein the transaction record includes the source account, a transaction content, the destination account, a voucher of the income node and a supervision voucher; the expenditure node sequentially writes all the transaction records generated into a data block, and broadcasts the data block; each of the verification nodes verifies the data block, and when When the data block passes the verification, the link forms a blockchain through the verified data block; provides a supervisory end connected to the account network; the supervisor obtains the source account, the source certificate public key, and the destination account The voucher public key of the destination, the voucher of the income node, and the supervision voucher; the supervisor is based on the source account Obtaining an identity message of the source client with the source credential public key; the supervisor obtains an identity message of the destination client according to the destination account and the destination credential public key; and the supervisor is based on the voucher of the revenue node and the supervision voucher Decrypting the verified data block to obtain the transaction content of the source client and the destination client in the account network. The implementation method of the account network system according to the sixth aspect of the patent application scope, wherein the source certificate public key and the destination certificate public key may be selected from any one of a real-name telephone number, a natural person certificate, a financial certificate, and a business certificate. The generated public key. The implementation method of the account network system according to the sixth aspect of the patent application scope, wherein the source account is established according to the source certificate public key and the risk assessment of the source client, and the destination account is based on the purpose certificate The public key is established with the risk assessment review of the client for this purpose. The method for implementing the account network system according to the sixth aspect of the patent application scope includes: establishing the source account and generating a voucher request including the source account and the source voucher public key, and transmitting the voucher request to apply a blockchain voucher; receiving and verifying the credential request, generating the blockchain voucher when the credential request passes the verification; storing the source account and its corresponding blockchain voucher and the source voucher public key; A contract address of the account network, the source account, a hash value of the blockchain voucher, and an account address of the payee node are registered to the account network. The method for implementing the accounting network system according to the ninth aspect of the patent application scope further includes: confirming the integrity of the blockchain certificate based on the hash value.