WO2020063036A1 - Digital currency settlement method, terminal and machine-readable storage medium - Google Patents

Abstract

Provided are a digital currency settlement method, a terminal and a machine-readable storage medium, belonging to the technical field of computers and software thereof. By means of the present invention, the security of a ledger is ensured, and same is not restricted by the way that the ledger is stored. In addition, since the linear sum of all the items of an account in a bill is provided, conditions are provided for restoring the items of an account when the bill is lost, thereby narrowing the scope of account-checking. The method comprises: acquiring a bill and verifying the authenticity of the bill, wherein the bill comprises information of items of an account, the authenticity proof of the information of the items of the account, an evidence chain and the authenticity proof of the evidence chain; when the bill is verified to be true, acquiring account information in the names of the items of the account; searching for a ledger record corresponding to the account information, and taking the bill as the latest record and storing same in the corresponding ledger record; and updating, according to a payment amount in the information of the items of the account and the evidence chain, an evidence chain code and a balance in the ledger record, and storing same in the latest record. The embodiments of the present invention are applicable to a settlement process of a digital account currency executed by a bank terminal.

Description

Digital currency settlement method, terminal and machine-readable storage medium Technical field

The present invention relates to the technical field of computers and software, and in particular to a method, terminal, and machine-readable storage medium for settlement of digital currency.

Background technique

The bookkeeping and storage methods of bank books are the key to bank financial security. At present, because there is no self-protecting accounting method, the security of the ledger is mostly compensated by the storage method. There are three existing storage methods. The first is to decentralize the storage of an ledger in different blocks, and use the data integrity code to form a data link. The integrity of the data link is used to ensure the integrity of the ledger. Because the checkout is performed between different blocks, system efficiency and system overhead are conceivable. The second method is distributed storage in a database. Comparing the above two, the distributed storage method in the library has higher system efficiency. Whether it is block storage between libraries or distributed storage within the library, the management mode is basically the same. The third is a centralized hot backup storage method, which is a traditional storage and management mode and one of the effective methods. However, the self-protecting accounting method has not been solved, and the security protection problem of the library has become prominent.

The inventor of the present application found in the process of implementing the present invention that the above-mentioned solution of the prior art has the following defects: when the self-protection of the ledger is solved, the system efficiency cannot be guaranteed, or when the system efficiency is guaranteed, the ledger storage cannot be guaranteed Security.

Summary of the Invention

The purpose of the embodiments of the present invention is to provide a digital currency checkout method, terminal, and machine-readable storage medium, and simultaneously solve the problems of security and system efficiency of ledger storage, and propose a storage method based on evidence chain, which is not subject to storage. The impact of location and management methods can not only ensure the integrity of the ledger, but also restore lost accounts in the ledger.

In order to achieve the above object, an embodiment of the present invention provides a method for settling a digital currency. The method includes: obtaining a bill and verifying the authenticity of the bill, the bill including account information and a certificate of authenticity of the account information, The evidence chain and the authenticity proof of the evidence chain, the evidence chain is a linear sum of the account names in the account information; when the bill is verified to be true, obtain the account information in the account name; find and Update the evidence in the ledger record according to the account record corresponding to the account information, and store the bill as the latest record in the corresponding ledger record; and according to the payment amount in the account information and the evidence chain The chain code and the balance are stored in the latest record, and the evidence chain code is a linear sum of the evidence chain in the ledger record.

Further, obtaining the bill and verifying the authenticity of the bill includes: obtaining a bill, where the bill is data = {bank, time1, sign1, Client, sign2, Client, time2, sign3, amount, sign4, use, sign5 , Firm, sign6, Isum, sign7}, where Bank is the name of the bank; time1 is the time of the bank's signature; sign1 is the digital signature of the bank by time1, which is used to mark (s1, c1) and indicates the authenticity of the bank name; Client Is the payment account; sign2 is the digital signature of the payment account by the bank, which is used to mark (s2, c2), and represents the authenticity certificate of the payment account; time2 is the time of signature of the payment account; sign3 is the digital signature of the time2 of the payment account, used for Mark (s3, c3) and indicate the authenticity of the payment account; amount is the payment amount; sign4 is the digital signature of the payment account for the payment amount; it is used to mark (s4, c4) and indicates the authenticity of the payment amount; use is Use of funds; sign5 is the digital signature of the payment account for the use of the funds, which is used to mark (s5, c5), and indicates the authenticity of the use of the funds; Firm is the receiving account; sign6 is the receiving account of the payment account The digital signature of the payment account is used to mark (s6, c6) and represents the authenticity of the receiving account; Isum is the linear sum of the bank name, payment account, amount, fund use and receiving account; sign7 is the linearity of the payment account pair And digital signatures for marking (s7, c7), and representing linearity and authenticity proof; s1, s2, s3, s4, s5, s6 and s7 are signature codes, c1, c2, c3, c4, c5, c6 And c7 are verification codes; according to VER _BANK (time1, s1) = c1 ', VER _BANK (Client, s2) = c2', VER _CLIENT (time2, s3) = c3 ', VER _CLIENT (amount, s4) = c4' , VER _CLIENT (use, s5) = c5 ', VER _CLIENT (Firm, s6) = c6', VER _CLIENT (Isum, s7) = c7 ', get the verification code c1' of the bank name authenticity certificate, and the payment account is true Proof of authenticity c2 ', Proof of authenticity of payment account c3', Proof of authenticity of payment amount c4 ', Proof of authenticity of fund use c5', Proof of authenticity of receiving account c6 ', Proof of linearity and authenticity c7' Verification function, BANK is the public key of the bank name, CLIENT is the public key of the receiving account; verify c1 and c1 ', c2 and c2', c3 and c3 ', c4 and c4', c Whether 5 and c5 ', c6 and c6', c7 and c7 'are the same, determine whether the bill is true.

Further, the account information includes a receiving account and a payment account.

Further, updating the evidence chain code in the ledger record according to the evidence chain in the account information includes:

or

Evidence obtained ecode _n chain code books after updating the record, wherein, Isum _n is the chain of evidence and the account information, ecode _n-1 is the latest recording on a record in a chain of evidence code , Isum _i is the chain of evidence in the i record in the ledger record.

Further, after updating the chain of evidence code and balance in the ledger record and storing it in the latest record, the method further includes: according to SIG _bank (ecode _n ) = (s8, c8) = sign8, SIG _bank (balance _n ) = (s9, c9) = sign9, respectively, to obtain the digital signature of the bank name on the updated evidence chain code and the digital signature of the bank name on the updated balance, where SIG Is the signature function; bank is the private key of the bank name; ecode _n is the updated evidence chain code; balance _n is the updated balance; sign8 is used to mark (s8, c8) and represents the updated evidence chain code Proof of authenticity; sign9 is used to mark (s9, c9) and represents the updated authenticity of the balance; s8 and s9 are signature codes; c8 and c9 are verification codes; the bank name is updated to the updated evidence chain code The digital signature of and the digital signature of the bank name on the updated balance are stored in the latest record.

Further, the method further comprises: verifying the integrity of the ledger record according to the evidence chain and the evidence chain code in the ledger record by:

or

Verify in turn whether each record in the ledger record is lost, where i = 1, 2, 3, ..., n; when it exists

or

At that time, it is determined that the record i-1 in the ledger record is lost.

Further, after determining that the first i-1 record in the ledger record is lost, the method further includes: determining the _{i- th in the} ledger record according to ecode _i-1 = ecode _i -Isum _i . evidence chain code ecode 1 records the _{i-1; Isum i-1} = ecode i -ecode i-1, i-1 to determine the first record in the record books in the chain of evidence _i-1 the Isum.

Further, after determining that the i-th record in the ledger record is lost, the method further includes: determining the _{i- th in the} ledger record according to balance _i-1 = balance _i -amount _i . The balance _i-1 in one record, where balance _i is the balance in the _{i- th} record in the ledger record, and amount _i is the payment amount in the i-th record in the ledger record; according to amount _i-1 = balance _i-1 -balance _i-2 , determine the payment amount amount _i-1 in the record _{i-1 in the} ledger record, where balance _i-2 is the first in the ledger record The balance in i-2 records.

Further, after determining that the first i-1 record in the ledger record is lost, the method further includes: according to a preset list of bank name, account information, and fund use, the first i-1 record The payment amount and the evidence chain in the bank determine the bank name, account information, and use of funds in the i-1 record in the ledger record through exhaustive operations.

Further, after determining that the first i-1 record in the ledger record is lost, the method further includes: searching for the i-1 record in the hot backup database, extracting and recovering the first ledger record Article i-1 record.

Correspondingly, an embodiment of the present invention further provides a bank terminal, where the bank terminal is configured to execute a settlement method of the digital currency.

Correspondingly, an embodiment of the present invention further provides a machine-readable storage medium, where the machine-readable storage medium stores instructions, and the instructions are used to cause a machine to execute the digital currency checkout method.

Through the above technical solution, the evidence chain established between the accounts and the evidence chain code established between the bills are obtained. At the same time, the problems of the security of the ledger storage and the system efficiency are solved, and the lost records in the ledger records can be found in time. Recovering account information from lost records, this self-protecting ledger greatly reduces the burden of ledger storage.

Other features and advantages of the embodiments of the present invention will be described in detail in the following detailed implementation sections.

BRIEF DESCRIPTION OF THE DRAWINGS

The drawings are used to provide a further understanding of the embodiments of the present invention, and constitute a part of the description. They are used to explain the embodiments of the present invention together with the following specific implementations, but do not constitute a limitation on the embodiments of the present invention. In the drawings:

FIG. 1 is a schematic diagram of a digital account provided by an embodiment of the present invention;

2 is a schematic flowchart of a digital currency checkout method according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of a ledger record provided by an embodiment of the present invention.

detailed description

The specific implementations of the embodiments of the present invention will be described in detail below with reference to the drawings. It should be understood that the specific implementation manners described herein are only used to illustrate and explain embodiments of the present invention, and are not intended to limit the embodiments of the present invention.

In the era of networking, paper money cannot be circulated online, so paper money must be changed to digital. Then, all physical signatures on banknotes must be implemented with digital signatures, and all physical anti-counterfeiting measures on banknotes must be implemented with logical measures. This change in currency form will inevitably cause changes in the settlement method.

Digital currency is digitized cash, which is printed at the factory and is called the factory currency. The account currency in digital currency is issued by an account like a check. Household currency is indispensable to convert all the proof functions in cash. Household currency is more superior than cash. It can be circulated on the market or on the Internet. Its security function is stronger than cash. The most important one is that the household currency is not afraid of being lost, not afraid of being copied, and it does not make sense to steal it. This is vital to the security of bank books.

Among them, one transaction between the receiving account and the payment account forms a single bill, and the account information included in a single bill contains multiple account names, such as bank name, receiving account, payment account, payment amount, fund use, and so on. Multiple transactions form a ledger record, and each record in the ledger record contains the contents of the bill formed by one transaction. The transaction is carried out through the account currency, so a bill is a digital account currency, as shown in Figure 1, which includes the account name and evidence provided by the issuing bank and the account name and evidence provided by the payment account. Account opening can be circulated not only on the market, but also on the Internet, and it is also directly applicable to bank settlement.

In the embodiment of the present invention, the settlement of digital currency is implemented by digital signature technology. The digital signature is provided by CPK (Combined Public Key). CPK is an identity-based combined public key system. The public key is obtained from the identity through a combination of Hash transforms and matrices. Among them, on the elliptic curve, G is the base point, if any integer a is the private key, then aG = A, and A is the public key corresponding to a. Let: Alice's identity is Alice, then Alice's public and private keys are: The identity is transformed into a series of random number sequences by Hash transformation, the random number sequence is used as the coordinates of the matrix, and the variables on the 32 coordinates are accumulated respectively for public and private. key. Such as:

(Uppercase, italic, for public key)

(Lowercase, italics, private key)

In the embodiment of the present invention, the bill for the settlement of digital currency further includes a linear sum of account names, and a linear sum forms a chain of evidence. When the bank checks the receiving account and the payment account, the chain of evidence can be used to determine whether the record is lost or not, and which record is lost, and the lost chain can be recovered through the chain of evidence and the chain of evidence code in the record. Embodiments are described below.

FIG. 2 is a schematic flowchart of a digital currency checkout method according to an embodiment of the present invention. The method is applied to a bank terminal. As shown in FIG. 2, the method includes the following steps:

Step 201: Obtain a bill and verify the authenticity of the bill, the bill includes account information and a certificate of authenticity of the account information, a chain of evidence, and a certificate of authenticity of the chain of evidence, and the chain of evidence is the account Linear sum of account names in the message.

Among them, when a beneficiary account and a payment account are transacted, the beneficiary account first issues a receipt notice. For example, the receipt notice may be in the form of a two-dimensional code or other data form and sent to the payment account. When the payment notification is a QR code, such as QR1 = {Firm, time3, sign10, amount, sign11}, which includes the receiving account Firm; the receiving account signature time time3; the receiving account digital signature time10 , Used to mark (s10, c10), and indicate the authenticity of the receiving account; the amount of the received amount; the digital signature of the receiving account on the amount of the sign11, used to mark (s11, c11), and indicate the amount of received Proof of authenticity.

Because the above digital signatures use the CPK signature protocol, after receiving the payment notification, the payment account also uses the CPK signature protocol to verify the authenticity certificate therein, for example, to verify its authenticity according to the following methods:

VER _FIRM (time3, s10) = c10 ', to obtain the verification code c10' of the authenticity certificate of the receiving account;

From VER _FIRM (amount, s11) = c11 ', a verification code c11' is obtained to prove the authenticity of the receipt amount.

Among them, VER is the verification function and FIRM is the public key of the receiving account. Among them, the public key matrix is available to everyone based on the CPK system. Therefore, the payment account obtains the public account of the receiving account according to the identity of the receiving account Firm and the public key matrix. key. The payment account verifies whether c10 and c10 ', c11 and c11' are the same, and determines whether the payment notification is true. If true, the payment account fills in relevant account information according to the requirements of the currency template. If it is not true, the payment account will not make a payment to the receiving account. Wherein, the household currency template is obtained by applying for a payment account to a bank according to its own payment needs. The application for the household currency template is not the content to be explained in the present invention, and those skilled in the art can obtain it based on the existing technology, and will not repeat them here .

When the payment account verifies that the receipt notice from the beneficiary account is true, a bill is sent to the beneficiary account, that is, the digital account currency shown in FIG. 1. Among them, the bank is called the issuing bank of the payment account. The payment account directly writes the account information such as the payment amount, the use of funds, and the receiving account into the digital account currency shown in Figure 1, and digitally signs it. The specific implementation method is as follows:

SIG _bank (time1) = (s1, c1) = sign1,

SIG _bank (Client) = (s2, c2) = sign2,

SIG _client (time2) = (s3, c3) = sign3,

SIG _client (amount) = (s4, c4) = sign4,

SIG _client (use) = (s5, c5) = sign5,

SIG _client (Firm) = (s6, c6) = sign6,

SIG _client (Isum) = (s7, c7) = sign7.

Wherein, the account information includes the digital signature sign1 of the time signature time1 of the bank to the bank, which indicates the authenticity certificate of the bank name, and the digital signature sign2 of the payment account Client, and that the authenticity certificate of the payment account is passed. The private key of the bank is signed. The account information also includes a digital signature sign3 of the payment account signing time2 of the payment account, a digital signature sign4 of the payment amount amount, a digital signature sign5 of the use of funds, a digital signature sign6 of the receiving account Firm, and Bank name, payment account, amount, fund use, and beneficiary account linearity and Isum digital signature sign7, which respectively represent the proof of authenticity of the payment account, the proof of authenticity of the payment amount, the proof of authenticity of the use of funds, the proof of authenticity of the receiving account, Both linear and authenticity proofs are signed by the payment account private key client. In addition, SIG is a signature function, s1, s2, s3, s4, s5, s6, and s7 are signature codes, and c1, c2, c3, c4, c5, c6, and c7 are verification codes.

Where the linear sum

As the above bills, each account is digitally signed, so that each account has its own independent protection capabilities. The digital account currency specifies the receiving account and is signed by the payment account. The local currency is only meaningful to the designated receiving account and has no meaning to any third party. Therefore, the bill is not afraid of being lost or stolen, which is the basic guarantee of the security of the ledger.

In addition, because the linear sum of each account is provided in the bill, once the bill is lost, the linear sum provides conditions for recovering the account, which greatly reduces the scope of checking.

After the payment account has prepared the bill, for example, the bill data = {bank, time1, sign1, Client, sign2, Client, time2, sign3, amount, sign4, use, sign5, Firm, sign6, Isum, sign7} is sent to the payment Account, beneficiary account need to verify the authenticity proof in the bill, as follows:

According to VER _BANK (time1, s1) = c1 ',

VER _BANK (Client, s2) = c2 ',

VER _CLIENT (time2, s3) = c3 ',

VER _CLIENT (amount, s4) = c4 ',

VER _CLIENT (use, s5) = c5 ',

VER _CLIENT (Firm, s6) = c6 ',

VER _CLIENT (Isum, s7) = c7 ',

Obtain the verification code c1 'of the authenticity certificate of the bank name, the authenticity certificate of the payment account c2', the authenticity certificate of the payment account c3 ', the authenticity certificate of the payment amount c4', the authenticity certificate of the capital use c5 ', and the authenticity of the receiving account Prove c6 ', linearity and authenticity c7'. Among them, VER is the verification function, BANK is the public key of the bank, CLIENT is the public key of the payment account, and the receiving account calculates the bank public key and the payment account public key according to the identification of the bank name, the identification of the payment account, and the public key matrix. The receiving account verifies whether c1 and c1 ', c2 and c2', c3 and c3 ', c4 and c4', c5 and c5 ', c6 and c6', c7 and c7 'are the same, and determine whether the bill is true.

When the receiving account verifies that the bill is true, a receipt is sent to the payment account and the bill is sent to a bank. If it is not true, the transaction will be interrupted.

Similarly, after obtaining the bill, the bank must verify the authenticity of the bill.

Wherein, the bank obtains the bill data = {bank, time1, sign1, Client, sign2, Client, time2, sign3, amount, sign4, use, sign5, Firm, sign6, Isum, sign7}.

And according to VER _BANK (time1, s1) = c1 ',

VER _BANK (Client, s2) = c2 ',

VER _CLIENT (time2, s3) = c3 ',

VER _CLIENT (amount, s4) = c4 ',

VER _CLIENT (use, s5) = c5 ',

VER _CLIENT (Firm, s6) = c6 ',

VER _CLIENT (Isum, s7) = c7 ',

Obtain the verification code c1 'of the authenticity certificate of the bank name, the authenticity certificate of the payment account c2', the authenticity certificate of the payment account c3 ', the authenticity certificate of the payment amount c4', the authenticity certificate of the capital use c5 ', and the authenticity of the receiving account Prove c6 ', linearity and authenticity proof c7', where VER is the verification function, BANK is the public key of the bank name, and CLIENT is the public key of the receiving account.

Then, verify whether c1 and c1 ', c2 and c2', c3 and c3 ', c4 and c4', c5 and c5 ', c6 and c6', c7 and c7 'are the same, and determine whether the bill is true.

When the bank verifies that the bill is true, step 202 is performed. Otherwise, the bill is discarded.

In the statement, excluding the bank's signature of the bank's signature time and payment account, the remaining account information is signed by the payment account, which realizes the principle of autonomous and controllable account, and the remaining account information is used as independent variables. Achieved "one event, one certificate", put an end to the transfer of trust and the takeover of rights. In addition, through digital signatures, they have the ability to protect themselves and do not require additional protection. Therefore, there is no requirement for the security of the storage place of the bill, and the storage place is not affected limit.

Step 202: When verifying that the bill is true, obtain account information in the account name;

Step 203: Find a ledger record corresponding to the account information, and store the bill as the latest record in the corresponding ledger record.

The bank needs to obtain the account information in the account name, that is, the receiving account and the payment account. Then, look up the ledger records corresponding to the receiving account and the payment account locally, that is, the ledger records corresponding to the receiving account stored locally in the bank terminal, which contains records of the transactions between the receiving account and other accounts, and there is a receiving record And payment records. Similarly, the book record corresponding to the payment account also includes the transaction records between the payment account and other accounts, and there are also collection records and payment records. For this transaction, the record in the ledger record corresponding to the payment account is the payment record, and the record in the ledger record corresponding to the receiving account is the payment record. The difference between the specific records is whether the payment amount is positive or negative. For the payment account, the payment amount is negative, and for the receiving account, the payment amount is positive.

In addition, when the bill is stored as the latest record in the corresponding ledger record, the account name and evidence provided by the issuing bank may be stored together with the account name and evidence provided by the payment account, or, as provided by the issuing bank The account name and evidence provided by the bank are the evidence provided by the bank itself, which is only used to check its authenticity, and may not participate in bank records, that is, the account name and evidence provided by the issuing bank in the statement may not be stored, but only the statement The account name and evidence provided by the payment account in the current account are stored in the corresponding ledger record as the latest record. As shown in Figure 3, for the corresponding ledger record of the payment account, the payment account in this bill with its digital signature and payment amount Instead of its digital signature, the use of funds and its digital signature, the receiving account and its digital signature, the chain of evidence and its digital signature are stored in its ledger records as the latest record. As shown in Figure 3, the n record is the latest record of the payment account.

Step 204: Update the evidence chain code and balance in the ledger record according to the payment amount in the account information and the evidence chain, and store the evidence chain code in the latest record, where the evidence chain code is the ledger Linear sum of the evidence chain in the record.

Among them, the bank first calculates the balance when checking out. The calculation method is as follows:

balance _n = balance _n-1 -amount (for the ledger records of the payment account)

balance _n = balance _n-1 + amount (for the ledger record of the receiving account)

Then digitally sign the updated balance using the private key of the bank name to get the signature sign9:

SIG _bank (balance _n ) = (s9, c9) = sign9

Among them, SIG is the signature function, bank is the private key of the bank name, balance _n is the updated balance, sign9 is used to mark (s9, c9), and it represents the updated balance authenticity proof, and s9 is the signature code, c9 is the verification code.

Based on the linear sum, the bank terminal updates the evidence chain code in the ledger record according to the evidence chain in the account information:

or,

The updated evidence chain code ecode _{n in} the ledger record is obtained. Among them, Isum _n is the evidence chain in the account information, ecode _{n -1} is the evidence chain code in the previous record of the latest record, and Isum _i is the _i-th record in the ledger record Chain of evidence.

Among them, for calculating the updated evidence chain code, there may be the above two methods, that is, to obtain the updated evidence chain code through the linearity of the evidence chain of all records in the ledger record (including the latest record), or, When the integrity of the ledger record has not been verified, the updated evidence chain code can also be obtained through the linear sum of the evidence chain code in the previous record and the evidence chain in this bill.

Then, the bank name digitally signs the updated evidence chain code to obtain signature 8:

SIG _bank (ecode _n ) = (s8, c8) = sign8

Among them, ecode _n is the updated evidence chain code; sign8 is used to mark (s8, c8) and represents the updated evidence chain code authenticity proof; s8 is the signature code; c8 is the verification code.

After that, the updated digital signature of the chain of evidence and the updated name chain code of the bank name, and the updated balance and the digital signature of the updated balance of the bank name are stored in the latest one together. In the record, as shown in Figure 3.

In one embodiment of the present invention, a ledger record is composed of records. If a ledger record is complete, it is proved that the records in the ledger record are complete. Because each account in the record has a digital signature, its own protection function is very strong, tampering is unlikely, but the digital signature cannot be found or not. Therefore, it is necessary to verify the integrity of the ledger record according to the evidence chain and evidence chain code in the ledger record. Taking the ledger record shown in Figure 3 as an example, from the linear sum of the evidence chain code

It can be seen that if the chain of evidence is disconnected, the two ends of the equation will not be equal, and the disconnected place is where the records are lost.

There are two ways to check for lost records:

The first way is to check after going, that is, starting from the first record:

First record

Second record

Article 3 records

Article i record

Article n record

Where i = 1,2,3, ..., n, verify in turn whether each record in the ledger record is lost.

Among them, if found

It means that the i-1 record in the ledger record is lost. For example, if the second record in the ledger record is lost, because the second record is lost, then when checking the second record, the third record will be checked as the second record, that is, Isum ₃ as Isum ₂ , ecode ₃ as ecode ₂ ,

But actually

From this, it can be judged that the second record is lost.

The second way is to reverse the verification from the back, that is, check from the nth record:

Article n record

Article n-1 record

Article n-2 Records

Where i = 1,2,3, ..., n, verify in turn whether each record in the ledger record is lost.

Among them, if found

It means that the i-1 record in the ledger record is lost. Still taking the second record as an example, because the second record is lost, then when checking the third record, the first record will be regarded as the second record, that is, ecode ₁ as ecode ₂ ,

But actually

From this, it can be judged that the second record is lost.

With this embodiment, the evidence chain and the evidence chain code can be directly used to determine the lost records, without the need to perform a one-to-one correspondence between the locally stored ledger records and the corresponding ledger records in the hot backup database to check their integrity, reducing the The workload of the integrity check of the ledger records.

In another embodiment of the present invention, after it is determined that the record i-1 in the ledger record is lost, the payment amount, the evidence chain, the evidence chain code, and the balance in the ledger record may also be used to compare the -1 records are restored to obtain payment amount, chain of evidence, chain of evidence code and balance in record i-1. The specific way is as follows:

For example, the evidence chain code ecode _i-1 in the i-1th record in the ledger record may be determined according to ecode _i-1 = ecode _i -Isum _i . Then, according to Isum _i-1 = ecode _i -ecode _i-1 , the chain of evidence Isum _i-1 in the i-1 record in the ledger record is determined. Still lost is the second record as an example, since the recording section 3 are known by ecode ₂ = ecode ₃ -Isum _3, to give the first two records in the chain of evidence eCODE ₂ code, and then by the Isum ₂ = ecode ₃ -ecode ₂ to get the chain of evidence Isum ₂ in the second record. Of course, the recovery of the evidence chain and the evidence chain code in the record of the first i-1 is only an example. The evidence chain and the evidence chain code in the record of the first i-1 can be obtained by other methods. For example, when the first i-1 After the evidence chain code ecode _i-1 in the records, you can also obtain the evidence chain in the record _i-1 through Isum _i-1 = ecode _i-1 -ecode _i-2 . For other examples of obtaining the evidence chain and evidence chain code in record i-1, no examples will be given here. No matter what method is adopted, they are all based on

as well as

on the basis of.

In addition, when restoring the balance and payment amount in record i-1, the balance _{i- in} record i-1 in the ledger record can be determined according to balance _i-1 = balance _i -amount _{i 1} , and determine the payment amount amount _i-1 in the record _{i-1 in the} ledger record according to amount _i-1 = balance _i-1 -balance _i-2 , where balance _i is the ledger record The balance in the i-th record in the record, amount _i is the payment amount in the _i-th record in the ledger record, and balance _i-2 is the balance in the _i-th record in the ledger record. Taking the ledger record shown in Figure 3 as an example, if the second record is lost, if the ledger record is the account record of the payment account "Zhang San", when determining the balance ₂ in the second record, due to the balance ₃ = balance ₂ + amount _3, the reverse thrust balance ₂ = balance ₃ -amount _3, i.e. _{balance 2 = balance 3 - (-} 512), and also due to _{balance 2 = balance 1 + amount 2} , the thrust reverser amount ₂ = balance ₂ -balance ₁ . Similarly, there are other examples in determining the balance and payment amount in record i-1, which will not be repeated here.

When restoring the bank name, payment account, use of funds and collection account in the record of Article i-1,

It can be known that, because the ledger record belongs to the payment account or the receiving account, one of the account information is known, and the payment amount obtained through the above embodiment is known. If the record is all the ledger records of the payment account, the above There are also unknown factors such as bank name, use of funds and collection account. In the case of peer transactions, the bank name is also known. If it is not a peer transaction, the scope of the bank name is also limited. According to the preset list of bank name, account information, and use of funds, the payment amount and evidence chain in the i-1 record can be substituted into the above linear and Isum The bank name, account information, and fund use in the i-1 record in the ledger record are determined through an exhaustive operation.

In addition, the bank name, payment account, payment amount, use of funds, receiving account, evidence chain, chain of evidence code and balance in the record of Article i-1 can be recovered, but the authenticity of the above information cannot be recovered, so Hot backup database support is necessary. Since the lost records are clarified, the authenticity proof of the above information can be recovered by searching the corresponding records in the hot backup database.

Alternatively, after determining that the first i-1 record in the ledger record is lost, directly search the i-1 record in the hot backup database, directly extract and copy it to the local, and restore the i-th in the local ledger record. 1 record.

According to the embodiment of the present invention, since each transaction is implemented on the basis of a digital account, and the digital signature used by the digital account is a CPK signature protocol, the settlement time of a transaction only needs milliseconds, and there is no need to worry about the existing technology. Emerging system efficiency and overhead issues. In addition, the payment account and payment account are specified in the digital account currency, and the transaction amount is digitally signed. CPK digital signature is composed of time factor and identification factor, which prevents being copied and used, and can eliminate the possibility of internal and external crimes. Digital currency is not afraid of being lost or copied, because digital currency has no meaning to non-parties. Similarly, bank book records settled in digital currency are not afraid of being stolen or copied, which is critical to the security of the database in which the bank stores the book records.

Regarding the storage method of digital account records, the only worry is the loss of bills. Although the loss of one bill does not affect daily settlement and does not cause security hazards, it causes trouble to account management. The storage method based on the chain of evidence is not affected by the storage location and the storage method. It can not only judge whether the bills in the ledger records are lost or not, but also determine which ledger records and bills are lost, and can recover the lost ones. The accounts. In addition, according to the present invention, the chain of evidence can be established between the ledger record and the ledger record to determine whether the ledger record is lost. The completeness of the ledger records is only related to the evidence chain and the evidence chain code, and has nothing to do with the storage of the ledger records. This self-protecting bookkeeping method can greatly ease the security burden of the ledger record database.

Correspondingly, an embodiment of the present invention further provides a bank terminal, where the bank terminal is configured to execute the digital currency settlement method described in the foregoing embodiment.

Correspondingly, an embodiment of the present invention further provides a machine-readable storage medium, where the machine-readable storage medium stores instructions, and the instructions are used to make the machine execute the digital currency checkout method described in the foregoing embodiment.

The optional implementations of the embodiments of the present invention have been described in detail above with reference to the accompanying drawings. However, the embodiments of the present invention are not limited to the specific details in the foregoing implementations. Within the scope of the technical concept of the embodiments of the present invention, the embodiments of the present invention may be implemented. The technical solution of the present invention performs various simple modifications, and these simple modifications all belong to the protection scope of the embodiments of the present invention.

In addition, it should be noted that the specific technical features described in the foregoing specific embodiments can be combined in any suitable manner without conflict. In order to avoid unnecessary repetition, the embodiments of the present invention do not separately describe various possible combinations.

Those skilled in the art can understand that there is no limitation on the method and place for performing all or part of the steps in the method of the above embodiment. The private key of the bank can be protected by a software package or stored in a storage medium, including: U disk, mobile Hard disk, Read-Only Memory (ROM, Read-Only Memory), Random Access Memory (RAM, Random Access Memory), magnetic disks or optical disks and other media that can store parameters.

In addition, various combinations of the embodiments of the present invention can also be arbitrarily combined, as long as it does not violate the idea of the embodiment of the present invention, it should also be regarded as the content disclosed in the embodiment of the present invention.

Claims (12)

1. A digital currency checkout method, comprising:

   Obtain a bill and verify the authenticity of the bill, the bill includes the account information and the proof of authenticity of the account information, the evidence chain, and the proof of authenticity of the evidence chain, the evidence chain is the Linear sum of account names;

   Obtaining the account information in the account name when verifying that the bill is true;

   Find the ledger record corresponding to the account information, and store the bill as the latest record in the corresponding ledger record; and

   Update the evidence chain code and balance in the ledger record according to the payment amount in the account information and the evidence chain, and store in the latest record, the evidence chain code is the Linear sum of evidence chain.
2. The method according to claim 1, wherein the obtaining a bill and verifying the authenticity of the bill comprises:

   Get a bill, where the bill is data = {bank, time1, sign1, Client, sign2, Client, time2, sign3, amount, sign4, use, sign5, Firm, sign6, Isum, sign7},

   Among them, Bank is the name of the bank; time1 is the signature time of the bank; sign1 is the digital signature of the bank by time1, which is used to mark (s1, c1) and indicate the authenticity of the bank name; Client is the payment account; sign2 is the payment account of the bank The digital signature is used to mark (s2, c2) and indicates the authenticity of the payment account; time2 is the time of signature of the payment account; sign3 is the digital signature of the payment account to time2, which is used to mark (s3, c3) and indicates payment Proof of account authenticity; amount is the payment amount; sign4 is the digital signature of the payment account for the payment amount, which is used to mark (s4, c4) and indicates the authenticity of the payment amount; use is the use of funds; sign5 is the use of funds by the payment account The digital signature is used to mark (s5, c5), and represents the authenticity of the fund use; Firm is the receiving account; sign6 is the digital signature of the payment account to the receiving account, and is used to mark (s6, c6), and indicates Proof of authenticity of the receiving account; Isum is the linear sum of the bank name, payment account, amount, fund use, and receiving account; sign7 is the digital signature of the linear sum of the payment account, which is used to mark (s7 , C7), and represents linearity and authenticity proof; s1, s2, s3, s4, s5, s6, and s7 are signature codes, and c1, c2, c3, c4, c5, c6, and c7 are verification codes;

   According to VER _BANK (time1, s1) = c1 ',

   VER _BANK (Client, s2) = c2 ',

   VER _CLIENT (time2, s3) = c3 ',

   VER _CLIENT (amount, s4) = c4 ',

   VER _CLIENT (use, s5) = c5 ',

   VER _CLIENT (Firm, s6) = c6 ',

   VER _CLIENT (Isum, s7) = c7 ',

   Obtain the verification code c1 'of the authenticity certificate of the bank name, the authenticity certificate of the payment account c2', the authenticity certificate of the payment account c3 ', the authenticity certificate of the payment amount c4', the authenticity certificate of the capital use c5 ', and the authenticity of the receiving account Proof c6 ', linearity and authenticity proof c7', where VER is the verification function, BANK is the public key of the bank name, and CLIENT is the public key of the receiving account;

   Verify that c1 and c1 ', c2 and c2', c3 and c3 ', c4 and c4', c5 and c5 ', c6 and c6', c7 and c7 'are the same, and determine whether the bill is true.
3. The method according to claim 1, wherein the account information includes a receiving account and a payment account, and the ledger record includes a ledger record corresponding to the receiving account and a ledger record corresponding to the payment account.
4. The method according to any one of claims 1-3, wherein updating the evidence chain code in the ledger record according to the evidence chain in the account information comprises:

   according to

   

   or

   

   Evidence obtained ecode _n chain code books after updating the record, wherein, Isum _n is the chain of evidence and the account information, ecode _n-1 is the latest recording on a record in a chain of evidence code , Isum _i is the chain of evidence in the i record in the ledger record.
5. The method according to any one of claims 1 to 4, characterized in that after the updating of the chain of evidence code and balance in the ledger record and storing in the latest record, the method further comprises :

   According to SIG _bank (ecode _n ) = (s8, c8) = sign8, SIG _bank (balance _n ) = (s9, c9) = sign9, the digital signature of the updated evidence chain code by the bank name and the Digital signature of the updated balance by bank name, where SIG is the signature function; bank is the private key of the bank name; ecode _n is the updated chain of evidence code; balance _n is the updated balance; sign8 is used to mark (s8, c8), and represents the updated evidence chain code authenticity proof; sign9 is used to mark (s9, c9), and represents the updated balance authenticity proof; s8 and s9 are signature codes; c8 and c9 are verification code;

   The digital signature of the bank name on the updated evidence chain code and the digital signature of the bank name on the updated balance are stored in the latest record.
6. The method according to any one of claims 1-4, further comprising:

   Verify the integrity of the ledger record according to the evidence chain and evidence chain code in the ledger record by:

   according to

   

   or

   

   Verify in turn whether each record in the ledger record is lost, where i = 1,2,3, ..., n;

   When exists

   

   or

   

   At that time, it is determined that the record i-1 in the ledger record is lost.
7. The method according to claim 6, characterized in that after said determining that the first i-1 record in said ledger record is lost, the method further comprises:

   Determine the evidence chain code ecode _i-1 in the i-1 record in the ledger record according to ecode _i-1 = ecode _i -Isum _i ;

   According to Isum _i-1 = ecode _i -ecode _i-1 , the evidence chain Isum _i-1 in the i-1 record in the ledger record is determined.
8. The method according to claim 6, characterized in that after said determining that the first i-1 record in said ledger record is lost, the method further comprises:

   According to balance _i-1 = balance _i -amount _i , determine the balance _i-1 in the i-1 record in the ledger record, where balance _i is the _{i- th} record in the ledger record. The balance, amount _i is the payment amount in the record of item _i in the ledger record;

   According to amount _i-1 = balance _i-1 -balance _i-2 , determine the payment amount amount _i-1 in the record _{i-1 in the} ledger record, where balance _i-2 is in the ledger record Balance in Article i-2.
9. The method according to claim 6, characterized in that after said determining that the first i-1 record in said ledger record is lost, the method further comprises:

   According to a preset list of bank names, account information, and use of funds, the payment amount and evidence chain in the i-1 record are determined through exhaustive operations to determine the bank in the i-1 record in the ledger record Name, account information, and fund use.
10. The method according to claim 6, characterized in that after said determining that the first i-1 record in said ledger record is lost, the method further comprises:

    Find the i-1 record in the hot backup database, extract and restore the i-1 record in the ledger record.
11. A bank terminal, characterized in that the bank terminal is used to execute the digital currency settlement method according to any one of claims 1-10.
12. A machine-readable storage medium, characterized in that instructions are stored on the machine-readable storage medium, and the instructions are used to cause a machine to execute the digital currency checkout method according to any one of claims 1-10.

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