CN113450093A - Real-time consensus authentication method and system for digital change wallet based on cone block chain - Google Patents

Abstract

Translated fromChinese

本发明公开基于锥体区块链的数字零钱钱包实时共识认证方法及系统，该方法包括如下步骤：通过人证机合一移动终端的用户客户端数字零钱钱包并向商业银行的开户银行账户发送申请开通数字零钱钱包账户的请求；对用户留存的生物活体信息进行对比验证，若验证通过后，则将认证通过信息发送至商业银行；商业银行允许在开户银行账户下开通数字零钱钱包账户；数字零钱钱包的开通以及基于数字零钱钱包进行的提现、支付和转存等交易业务均通过锥体区块链智能合约自动执行；获取交易业务中的交易数据信息实时推送至锥体区块链网络进行共识。本发明通过广播形成共识，政府可实时监管数字钱包账户资金流向，实现数字零钱可追溯以及银行结算支付高响应、高并发。

The invention discloses a real-time consensus authentication method and system for a digital change wallet based on a pyramidal block chain. The method includes the following steps: sending the digital change wallet to the opening bank account of a commercial bank through a user client-side digital change wallet of a mobile terminal that integrates human, ID and machine. A request to apply for opening a digital change wallet account; compare and verify the biological information retained by the user. If the verification is passed, the verification information will be sent to a commercial bank; the commercial bank allows opening a digital change wallet account under the opening bank account; digital The opening of the change wallet and the withdrawal, payment and transfer transactions based on the digital change wallet are automatically executed through the cone block chain smart contract; the transaction data information obtained in the transaction business is pushed to the cone block chain network in real time. consensus. The invention forms a consensus through broadcasting, the government can supervise the flow of funds in the digital wallet account in real time, and realize the traceability of digital change and the high response and high concurrency of bank settlement and payment.

Description

Real-time consensus authentication method and system for digital change wallet based on cone block chain

Technical Field

The invention relates to the technical field of block chains, in particular to a method and a system for real-time consensus authentication of a digital change wallet based on a cone block chain.

Background

The block chain is essentially an open source distributed account book, is a core technology of bit currency and other virtual currency, can efficiently record transactions of buyers and sellers, and ensures that the records are verifiable and permanently stored. Meanwhile, the block chain has the characteristics of decentralization, mediation, information transparency, no tampering, safety and the like. The block chain has the problems of no government supervision, low safety and the like.

The payment of the third party of the payment bank and the WeChat weakens the control force of the RMB, so that the digital currency issued by the RMB and an electronic payment tool (DCEP) are shuffled again at one time, the commercial bank and the payment bank are standing on the same starting line, and the position of the RMB is favorably consolidated. In addition, the cost of each link of printing, returning, storing, anti-counterfeiting and the like is high due to the issuing of paper money and coins, and the carrying is inconvenient. DCEP is in line with the trend of the times, and can accelerate the internationalization of RMB.

The digital money M0 is a currency in circulation. The savings deposit of the commercial bank is part of M1, and together with M0, M1 is made. They are not identical in nature. After the digital currency is issued, the digital currency is extracted from the bank into a mobile phone (other carriers such as an entity card supporting NFC, a smart watch, a bracelet and the like) and is not a bank deposit any longer, and the same property is that the bank deposits are taken out from a counter and an ATM of the bank into a wallet, and the bank deposits are borrowed and saved (short-term debt) and credited (short-term asset) correspondingly in a financial statement of the bank. This behavior is completely different from the transfer of WeChat, Payment electronic purse, which for the bank is simply the transfer from savings deposit to the current account of the business, the savings deposit from the commercial bank M1 becomes part of the generalized currency supply M2, and the financial statements are the borrowing savings deposit (short-term liability), the lending business deposit (short-term liability). The withdrawal of digital currency means a reduction in the size of the bank's liability. The purse transferred to the third party payment does not affect the size of the asset liability. If a large amount of digital money is extracted from a bank to an electronic wallet in a short period, the phenomena of squeezing and time delay are caused, the problem of low transaction concurrency exists, the scenario that the digital money is most applied is retail, and high concurrency is a technical problem which needs to be solved urgently for bank digital change payment.

Disclosure of Invention

In order to solve the technical problems, the invention provides a method and a system for real-time consensus authentication of a digital change wallet based on a cone block chain, which are used for solving the problems of delayed payment and low concurrency of commercial bank settlement and the problems of supervision and traceability of a digital change account in the prior art.

In order to achieve the purpose, the technical scheme of the invention is as follows:

the cone block chain is provided with an authentication block, a commercial bank and a civil bank, wherein the authentication block comprises a human-machine-in-one authentication block, a personal identity authentication block and a legal identity authentication block, a commercial bank electronic identity account of a person or a legal person is arranged under the commercial bank, namely an account of an open bank, a commercial bank digital change wallet account and a commercial bank digital change management account, a human bank cash preparation account and a human bank digital change management account are arranged under the civil bank, and the client-side digital change wallet and the commercial bank digital change wallet account are identified together through cone block chain consensus algorithm information; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the accounts of the digital change purses of the bank of the commercial bank; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the digital change management account of the bank; the bank cash withdrawal reserve money account is a cash withdrawal reserve money account, the total amount of the cash withdrawal reserve money account is regulated and controlled by the people bank in real time according to daily, weekly and monthly cash withdrawal amounts, and when the total amount of the cash withdrawal reserve money of the bank cash withdrawal reserve money account is larger than the total amount of the digital change management account of the commercial bank, the digital change wallet account of the commercial bank can be withdrawn; the full process of the pedestrian digital change management account supervises all bank change wallet accounts in real time, and the method comprises the following steps:

a user client digital change wallet of the integrated mobile terminal of the witness machine sends a request for applying opening a digital change wallet account to an account of an account opening bank of a commercial bank;

comparing and verifying the living organism information retained by the user, and if the verification is passed, sending the authentication passing information to a commercial bank;

the commercial bank allows the opening of a digital change wallet account under an account of an opening bank, and the digital change wallet is embedded in the witness and opportunity integrated mobile terminal with the NFC function;

the opening of the digital change wallet and transaction services such as cash withdrawal, payment and transfer based on the digital change wallet are automatically executed through a cone block chain intelligent contract;

and acquiring transaction data information in the transaction service, and pushing the transaction data information to the cone block chain network for consensus in real time.

Preferably, the method further comprises the following steps:

sending an authentication request to an authentication block;

and the authentication block receives the authentication request, performs identity authentication on the user, and allows the user to log in a user client digital change wallet of the combined people-card-machine mobile terminal if the identity authentication is passed.

Preferably, the cash withdrawal business based on the digital change wallet specifically comprises the following steps:

after a user passes the authentication of the human-computer integrated authentication block and the personal identity authentication block/legal identity authentication block at the client-side digital change wallet of the human-computer integrated mobile terminal, sending a cash withdrawal request to a commercial bank electronic identity account bound with the digital change wallet and inputting cash withdrawal amount;

sending a cash withdrawal request to a commercial bank electronic identity account bound with a digital change wallet at a client-side digital change wallet of the human-card-machine integrated mobile terminal and inputting cash withdrawal amount;

the commercial bank electronic identity account carries out real-time verification on the retained biometric identification combination of the user of the requesting personal card client; after the verification is passed, if the account balance of the electronic identity account of the commercial bank is larger than or equal to the withdrawal amount, the withdrawal amount is extracted from the bound digital change wallet account of the client;

the commercial bank electronic identity account extracts the withdrawal amount and broadcasts the withdrawal information to the bank withdrawal reserve money account and the commercial bank digital change wallet management account, the commercial bank digital change wallet account receives the withdrawal amount and broadcasts the withdrawal information to the commercial bank digital change wallet management account and the client digital change wallet, and the client digital change wallet updates the balance to ensure that the balance of the client digital change wallet is consistent with the commercial bank electronic identity account;

the commercial bank digital change wallet management account receives the broadcast consistent information of the commercial bank electronic identity account and the bound digital change wallet account, updates the balance of the management account, and broadcasts the information to the personnel digital change management account and the personnel cash withdrawal preparation account;

after the bank cash withdrawal reserve account receives the broadcast information that the commercial bank electronic identity account is consistent with the commercial bank digital change management account, the bank cash withdrawal reserve account is automatically transferred to the bank digital change management account for cash withdrawal;

and after receiving the consistent information broadcast by the bank cash withdrawal reserve account and the commercial bank digital change management account, the bank digital change management account updates the balance of the bank digital change management account, and cash withdrawal is completed.

Preferably, the payment includes a networked payment and a offline payment.

Preferably, the networked payment service based on the digital change wallet specifically comprises the following steps:

after the digital change wallet of the payee client passes the authentication block integrated by the people and card machine and passes the authentication with the personal identity authentication block/legal identity authentication block, the payment two-dimensional code or NFC induction code of the wallet client is opened;

after the digital change wallet of the user client passes through the authentication block integrated by the people and the card machine and passes authentication with the personal identity authentication block/the legal identity authentication block, the digital change wallet of the client is opened and the payment two-dimensional code of the digital change wallet of the payee is scanned or the NFC induction code of the payee is directly induced by the NFC integrated by the mobile terminal integrated by the card machine;

the user acquires account information of a payee, inputs transfer amount, performs biometric identification combined authentication retained by the client-side digital change wallet, judges whether the balance of the client-side digital change wallet is not less than the transfer amount after the authentication is passed, if so, transfers the transfer amount to the client-side digital change wallet of the payee, and simultaneously broadcasts information to a commercial bank digital change wallet account and a bank digital change management account; if not, automatically switching to the cash withdrawal service;

the user bank digital change wallet account changes balance, and transfers the transaction information to the user commercial bank digital change management account and the payee commercial bank digital change wallet account;

after the digital change wallet account of the payee commercial bank receives the transfer transaction information broadcast by the digital change wallet of the payee client and the digital change wallet account of the user commercial bank, the data is automatically updated, and the transfer transaction information is broadcast to the digital change management account of the payee commercial bank and the digital change wallet of the payee client;

after the digital change management account of the commercial bank of the user receives the transfer transaction information of the digital change wallet account of the commercial bank of the user and the digital change wallet account of the commercial bank of the payee, the account data is automatically updated, and the transfer transaction information is broadcast to the digital change management account of the bank;

and the digital change management account of the bank receives the transfer transaction information of the digital change management account of the commercial bank of the user and the digital change management account of the commercial bank of the payee, and then automatically updates the information of the digital change management account of the bank, so that the payment is completed.

Preferably, the offline payment service based on the digital change wallet specifically comprises the following steps:

after the user passes the authentication of the witness and identity card integrated mobile terminal, opening the wallet client to sense the NFC sensing code provided on the payee witness and identity card integrated mobile terminal;

the method comprises the steps that a user obtains a digital change wallet identification address and an account address of an account opening bank wallet of a payee through induction, inputs payment amount needing to be transferred to the payee, and conducts biological living body information verification and/or password authentication on the user, after the authentication is passed, the payee induces a user payment code through NFC of the client wallet, the digital change wallet of the payee obtains NFC induction transfer information, and offline digital change to be received is generated;

when the user and the witness and machine integrated mobile terminal of the payee are both in a networking state, the digital change wallet of the user client automatically executes the information broadcast of the account to be transferred, the commercial bank and the people bank account are automatically updated after the broadcast, and the offline payment is completed.

Preferably, the account information includes a client digital change wallet identification address and an account address of an opening bank wallet.

Preferably, the unloading service based on the digital change wallet specifically includes the following steps:

after the authentication of the human-machine integrated block and the authentication of the personal identity authentication block, entering a wallet client of the human-machine integrated mobile terminal, selecting change transfer, inputting the amount of the transferred digital change, wherein the amount of the transferred digital change is less than or equal to the balance of the wallet, performing combined authentication of the retained biological identification information of wallet payment, and sending an account opening bank digital change wallet account and a bound bank account after the authentication is passed;

the method comprises the steps that data of a digital change wallet account of a commercial bank are automatically updated, a bound electronic identity account of the commercial bank transfers and stores digital change amount, the digital change amount is broadcast and sent to a digital change management account of the commercial bank, the electronic identity account of the commercial bank transfers and stores the digital change amount, and the digital change amount is broadcast and sent to a bank cash withdrawal reserve account and a digital change management account of the commercial bank;

the commercial bank digital change management account receives the consistent broadcast transfer information of the commercial bank digital change wallet account and the bound commercial bank electronic identity account, automatically updates data, and broadcasts and sends the data to the bank digital change management account and the bank cash withdrawal reserve account;

the bank digital change management account receives the automatic updating data of the consistent transfer information of the commercial bank digital change management account and the bank cash withdrawal reserve account, the bank cash withdrawal reserve account receives the automatic updating data of the electronic identity account transfer information of the commercial bank and the transfer information of the commercial bank digital change management account, and the digital change transfer operation of the commercial bank digital change wallet is completed.

The digital change wallet real-time consensus authentication system based on the cone block chain comprises a processor, a machine-readable storage medium and a network interface, wherein the machine-readable storage medium, the network interface and the processor are connected through a bus system, the network interface is used for being in communication connection with an authentication block, a commercial bank and a people bank, the machine-readable storage medium is used for storing programs, instructions or codes, and the processor is used for executing the programs, the instructions or the codes in the machine-readable storage medium so as to execute any one of the above digital change wallet real-time consensus authentication methods based on the cone block chain.

Based on the technical scheme, the invention has the beneficial effects that: according to the invention, the digital change wallet is opened, and transaction services such as cash withdrawal, payment and transfer are carried out based on the digital change wallet, generated transaction service data information is linked and stored in real time through a commercial bank electronic identity account of a person or a legal person, a client-side digital change wallet, a commercial bank digital change wallet account, a commercial bank digital change management account, a personnel cash withdrawal reserve money account and a personnel digital change management account node, consensus is formed at the associated node through broadcasting, a government can monitor the fund flow direction of the digital change wallet account in real time, and the fast and high concurrence of digital change traceability and bank settlement payment response are realized.

Drawings

The following describes embodiments of the present invention in further detail with reference to the accompanying drawings.

Fig. 1 is a flow chart of opening a client digital change wallet in a cone block chain-based digital change wallet real-time consensus authentication method in an embodiment;

FIG. 2 is a flow diagram of the presentation service in the method for real-time consensus authentication of digital change wallets based on cone blockchains in one embodiment;

FIG. 3 is a flow diagram of networked payment services in a cone blockchain based digital change wallet real-time consensus authentication method in one embodiment;

FIG. 4 is a flow diagram of offline payment services in a method for cone blockchain based real-time consensus authentication of digital change wallets in one embodiment;

FIG. 5 is a flow diagram of a transfer service in a method for real-time consensus authentication of digital change wallets based on cone blockchains in one embodiment;

fig. 6 is a block diagram of the digital change wallet real-time consensus authentication system based on the cone block chain in one embodiment.

Detailed Description

The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.

As shown in fig. 6, the present invention provides a real-time consensus authentication method for a digital change wallet based on a cone block chain, which is applied to a people-machine-in-one mobile terminal of the cone block chain, wherein an authentication block, a commercial bank (and a related organization with a strength up to standard) and a people bank are deployed on the cone block chain, wherein the authentication block comprises a people-machine-in-one authentication block, a personal identity authentication block and a legal identity authentication block, a commercial bank electronic identity account (an account of an account opening bank), a commercial bank digital change wallet account and a commercial bank digital change management account of a person or a legal person are set under the commercial bank, and a people bank provision account and a people digital change management account are set under the people bank.

The electronic identity account of the commercial bank of the individual or the legal person is equivalent to an account of an account opening bank, the change of the digital change wallet account of the commercial bank can be transferred to the electronic identity account of the bank of the individual or the legal person in real time, and the amount of the electronic identity account of the commercial bank of the individual or the legal person can be brought back to the electronic identity wallet account of the commercial bank;

the digital change wallet account of the commercial bank stores the total amount of the digital change of the bank and can transfer money with the digital change wallet account;

the digital change management account of the commercial bank manages the digital change sum of the bank and supervises the flow direction of the digital change of the bank, and the digital change flow direction is consistent with the sum of the digital change management account of the bank;

the bank cash withdrawal reserve money account is a cash withdrawal reserve money account, and is used for regulating and controlling the account amount in real time according to the cash withdrawal amount counted in real time every day, week and month by the people bank; and receiving the change of the sum of the commercial bank digital change management account and the change of the total amount of the pedestrian digital change management account, wherein if the total amount of the commercial bank digital change management account and the total amount of the pedestrian digital change management account are increased, the total amount of the pedestrian cash withdrawal reserve account is reduced, and the reduction amount of the total amount of the pedestrian cash withdrawal reserve account is consistent with the total amount of the pedestrian digital change management account.

The digital change management account of the people bank is agreed with the digital change wallet account of the commercial bank and the reserve money account of the people bank, and is used for monitoring the flow of the digital change accounts of all commercial banks.

The client-side digital change wallet is embedded in a human-machine-integrated mobile terminal with an NFC function, and the human-machine-integrated mobile terminal is respectively connected with a human-machine-integrated authentication block, a personal identity authentication block and a legal identity authentication block, and a commercial bank electronic identity account of an individual or legal person and a commercial bank digital change wallet account;

the human-card-machine integrated authentication block, the personal identity authentication block and the legal identity authentication block are respectively connected with an electronic identity account of a commercial bank of a person or a legal person; a commercial bank electronic identity account of an individual or legal person is connected to a bank cash register account.

The identity verification of an individual or a legal person needs to pass the authentication of a cone block chain person-card machine-integrated authentication block, an individual identity authentication block/legal person identity authentication block, and then a digital change wallet, cash withdrawal, transfer, payment and the like can be applied to a cone block chain terminal client.

The electronic identity account of the commercial bank of the individual or the legal person and the digital change wallet achieve consensus through cone block chain three-dimensional network architecture information, the transaction information consensus of the bank cash withdrawal reserve account and the bank digital change management account is consistent, and the transaction information consensus of the commercial bank digital change management account and the bank digital change management account is consistent. The commercial bank digital change management account is in agreement with the commercial bank digital change wallet account transaction corresponding to the individual or legal person.

The client-side digital change wallet and the commercial bank digital change wallet account are identified through the cone block chain identification algorithm information; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the accounts of the digital change purses of the bank of the commercial bank; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the digital change management account of the bank; the consensus of each node is broadcasted at the nodes associated with the pyramidal block chain through a P2P broadcasting mechanism, and the broadcast information is stored in the consensus.

The consensus algorithm of the invention performs consensus among the associated nodes, can save cost, improve consensus efficiency, and perform broadcasting and consensus storage in real time, thereby realizing fast response of bank settlement and payment, reducing time delay and improving transaction efficiency.

The commercial bank electronic identity account (bank account) of the individual or the legal person is generated by encrypting the identity information, the biological information and the bank account opening information of the user through a national cryptographic algorithm and is used for identity authentication, and the authentication information is submitted to the cone block chain network for storage in real time, so that the country can conveniently supervise and inquire the personal bank electronic identity account information.

The nodes of the commercial bank electronic identity account, the commercial bank digital change wallet account, the commercial bank digital change management account, the bank cash withdrawal reserve account and the bank digital change management account of the individual or the legal person are connected with each other in a cone block chain, information is stored in a consensus mode, and each wallet flow direction information is stored in a chain mode in real time.

The opening of the digital change wallet and transaction services such as cash withdrawal, payment and transfer based on the digital change wallet are automatically executed through the cone block chain intelligent contract.

The following specifically describes, by taking a user as an individual example, the specific processes of opening the digital change wallet and transaction services such as cash withdrawal, payment and transfer performed based on the digital change wallet.

In one embodiment, as shown in fig. 1, the process of opening the digital change wallet of the witness-in-one mobile terminal client comprises the following steps:

s101, a user sends an identity authentication request to a human-computer-integrated authentication block and a personal identity authentication block at a human-computer-integrated mobile terminal and sends a request for opening a digital change wallet account to an account of an account opening bank of a commercial bank;

s102, after the authentication of the authentication block integrating the human identity and the evidence machine passes, sending a verification passing result to the personal identity authentication block and the account of the bank where the commercial bank opens an account;

s103, the personal identity authentication block receives the personal cone chain client request and the result of the verification of the combination of the personal identity authentication block and the human-computer authentication, and the comparison and authentication of the biological living body information of the person with the combination of the human-computer authentication are carried out; after the authentication is passed, the information is sent to an account of an account opening bank of the commercial bank;

s104, the commercial bank receives the personal request and the authentication passing messages of the authentication block and the personal identity authentication block integrated with the human-computer, and carries out real-time verification on the biological identification combined information retained by the personal account;

and S105, after the verification is passed, opening a digital change wallet account under the account of the binding and opening bank, downloading the wallet to the witness and machine integrated mobile terminal, successfully opening the digital change wallet, and sending a message to the digital change management account of the commercial bank.

In one embodiment, as shown in fig. 2, the cash withdrawal business based on the digital change wallet performed when the user is an individual specifically includes the following steps:

s201, after a user passes authentication of a human-computer-integrated authentication block and a personal identity authentication block at a client-side digital change wallet of a human-computer-integrated mobile terminal, sending a cash withdrawal request to a commercial bank electronic identity account (an account opening bank account) bound with the digital change wallet and inputting cash withdrawal amount;

s202, the commercial bank electronic identity account carries out real-time verification on the retained biological identification combination of the user of the requesting witness client; after the verification is passed, if the account balance of the electronic identity account of the commercial bank is larger than or equal to the withdrawal amount, the withdrawal amount is extracted from the bound digital change wallet account of the client;

s203, the commercial bank electronic identity account extracts the withdrawal amount and broadcasts the withdrawal information to the bank withdrawal reserve money account and the commercial bank digital change wallet management account, the commercial bank digital change wallet account receives the withdrawal amount and broadcasts the withdrawal information to the commercial bank digital change wallet management account and the client digital change wallet, and the client digital change wallet updates the balance to make the balance of the client digital change wallet consistent with the commercial bank electronic identity account;

s204, the commercial bank digital change wallet management account receives the broadcast consistent information of the commercial bank electronic identity account and the bound digital change wallet account, updates the balance of the management account, and broadcasts the information to the personnel digital change management account and the personnel cash withdrawal preparation account;

s205, after the bank cash withdrawal reserve account receives the broadcast information that the commercial bank electronic identity account is consistent with the commercial bank digital change management account, the bank cash withdrawal reserve account automatically transfers the cash withdrawal amount to the bank digital change management account;

and S206, after receiving the broadcast consistent information of the bank cash withdrawal reserve money account and the commercial bank digital change management account, the bank digital change management account updates the balance of the bank digital change management account, and cash withdrawal is completed.

In one embodiment, as shown in fig. 3, the witness-in-one mobile terminal wallet client networking payment process includes:

s301, after the payee wallet client is authenticated to be qualified through the authentication block with the identification card and the identity authentication block, opening a payment two-dimensional code or an NFC induction code of the wallet client;

s302, after the digital change wallet of the user client side passes identity authentication of the human-computer integrated block and the personal identity block, the wallet client side is opened, and the payment two-dimensional code of the digital change wallet of the payee side is scanned or the NFC induction code of the payee side is directly induced by the NFC of the mobile terminal of the human-computer integrated;

s303, the user acquires account information of a receiver, inputs transfer amount, performs combined biometric authentication retained by the client digital change wallet, and transfers the transfer amount to the receiver client digital change wallet after the authentication is passed (when the balance of the user digital change wallet is more than or equal to the transfer amount), and broadcasts information to the commercial bank digital change wallet account and the bank digital change management account;

s304, the balance of the user bank digital change wallet account is changed, and transfer transaction information is sent to the user commercial bank digital change management account and the payee commercial bank digital change wallet account;

s305, after the digital change wallet account of the commercial bank of the receiver receives the broadcast transfer transaction information of the digital change wallet of the client of the receiver and the digital change wallet account of the commercial bank of the user, the data is automatically updated, and the broadcast transfer transaction information is simultaneously broadcast to the digital change management account of the commercial bank of the receiver and the digital change wallet of the client of the receiver;

s306, after the digital change management account of the commercial bank of the user receives the transfer transaction information of the digital change wallet account of the commercial bank of the user and the digital change wallet account of the commercial bank of the payee, the account data is automatically updated, and the transfer transaction information is broadcasted to the digital change management account of the bank of people;

and S307, the digital change management account of the bank receives the transfer transaction information of the digital change management account of the commercial bank of the user and the digital change management account of the commercial bank of the payee, and then automatically updates the information of the digital change management account of the bank, so that the payment is completed.

And if the balance of the digital change wallet at the user client is less than the transfer amount, the cash can be automatically withdrawn to the bound account, and the cash withdrawal flow is the same as the above.

In one embodiment, as shown in fig. 4, the offline payment service based on the digital change wallet, that is, payment under the condition that the user and the witness-machine-integrated mobile terminal of the payee are offline on one side and both sides, specifically includes the following steps:

s401, after the user passes authentication of the witness and identity card integrated mobile terminal, opening a wallet client to sense an NFC sensing code provided on the payee witness and identity card integrated mobile terminal;

s402, a user obtains a payee client digital change wallet identification address and an account address of an opening bank wallet through induction, inputs payment amount needing to be transferred to a payee, and performs biological living body information verification and/or password authentication on the user, after the authentication is passed, the payee induces a user payment code through the client wallet NFC, the payee client digital change wallet obtains NFC induction transfer information, and offline digital change to be received is generated;

and S403, when the user and the witness and machine integrated mobile terminal of the payee are both in a networking state, the digital change wallet of the user client automatically executes the information broadcast of the to-be-transferred account, the commercial bank and the people bank account are automatically updated after the broadcast, and the offline payment is completed.

In one embodiment, as shown in fig. 5, the process of transferring the digital change of the bank digital change wallet into the bank account includes:

s501, entering a wallet client of an authentication machine integrated mobile terminal after authentication of a human-card machine integrated block and authentication of a personal identity authentication block, selecting change transfer, inputting the amount of the transferred digital change, wherein the amount of the transferred digital change is less than or equal to the balance of the wallet, performing combined authentication of biological identification information retained in wallet payment, and sending an account-opening bank digital change wallet account and a bound bank account after authentication is passed;

s502, automatically updating data of a digital change wallet account of a commercial bank, transferring the digital change amount to a bound electronic identity account of the commercial bank, broadcasting to a digital change management account of the commercial bank, transferring the digital change amount to the electronic identity account of the commercial bank, and broadcasting to a bank cash withdrawal reserve account and a digital change management account of the commercial bank;

s503, the commercial bank digital change management account receives the consistency broadcast transfer information of the commercial bank digital change wallet account and the bound commercial bank electronic identity account, automatically updates data, and broadcasts and sends the information to the pedestrian digital change management account and the pedestrian cash withdrawal reserve account;

s504, the bank digital change management account receives the automatic updating data of the consistency transfer information of the commercial bank digital change management account and the bank cash withdrawal preparation account, the bank cash withdrawal preparation account receives the automatic updating data of the transfer information of the commercial bank electronic identity account and the transfer information of the commercial bank digital change management account, and the digital change transfer operation of the commercial bank digital change wallet is completed.

It should be noted that, the cash withdrawal business based on the digital change wallet is that when the bank account is withdrawn to the bank digital change wallet, the cash withdrawal is verified through the biological information retained in the bank, and when the bank digital change wallet is transferred to the bank account, the verification is performed through the biological information retained in the wallet payment.

It should be noted that the invention realizes the intelligent conversion between the digital currency M0 and the savings deposit M1 in the bank account, and the transaction services such as cash withdrawal, payment and transfer based on the digital change wallet all need to receive the broadcast information of two associated node blocks at the same time to perform the relevant operation, thereby ensuring the safety and reliability of the digital change wallet account. Before information is uplinked in the pyramidal block chain, the information can be uplinked only by verification. The authentication on the chain belongs to credible authentication, each node participating in the digital change wallet consensus authentication system has trust on the cone block chain as a proof, and the people bank carries out endorsement for technical supervision, so that the safety of fund flow direction is ensured. The encryption of each digital change wallet account is carried out through a block chain asymmetric encryption algorithm and a digital certificate, so that the safety of account information is ensured in real time.

The above description is only a preferred embodiment of the digital change wallet real-time consensus authentication method and system based on the pyramid block chain disclosed in the present invention, and is not intended to limit the scope of protection of the embodiments of the present disclosure. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the embodiments of the present disclosure should be included in the protection scope of the embodiments of the present disclosure.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The embodiments in the present specification are all described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Claims (9)

Translated fromChinese

1.基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于：应用于锥体区块链的人证机合一移动终端，所述锥体区块链上部署有认证区块、商业银行和人民银行，其中，所述认证区块包括人证机合一认证区块、个人身份认证区块和法人身份认证区块，在商业银行下设置个人或法人的商业银行电子身份账户即开户银行账户、商业银行数字零钱钱包账户、商业银行数字零钱管理账户，在人民银行下设人行提现准备金账户和人行数字零钱管理账户，客户端数字零钱钱包与商业银行数字零钱钱包账户通过锥体区块链共识算法信息共识一致；商业银行数字零钱管理账户总额与商业银行本行各数字零钱钱包账户总额信息共识一致；商业银行数字零钱管理账户总额与人行数字零钱管理账户总额信息共识一致；人行提现准备金账户为提现准备金账户，人民银行根据每日、周、月的提现金额实时调控提现准备金账户总额，当人行提现准备金账户的提现准备金总额大于商业银行数字零钱管理账户总额时，商业银行数字零钱钱包账户可以提现；人行数字零钱管理账户全流程实时监管所有银行零钱钱包账户，所述方法包括如下步骤：1. A real-time consensus authentication method for digital change wallets based on a cone block chain, characterized in that: a mobile terminal that is applied to the cone block chain in one mobile terminal with an authentication block deployed on the cone block chain , a commercial bank and the People's Bank of China, wherein the authentication block includes an authentication block for human-identity-machine integration, a personal identity authentication block and a legal person identity authentication block, and an individual or legal person's commercial bank electronic identity account is set up under the commercial bank Namely opening bank account, commercial bank digital change wallet account, commercial bank digital change management account, under the People's Bank of China, the People's Bank of China cash withdrawal reserve account and the People's Bank digital change management account, the client-side digital change wallet and the commercial bank digital change wallet account through the cone The information consensus of the consensus algorithm of the blockchain is consistent; the total amount of digital change management accounts of commercial banks is consistent with the total information of the digital change wallet accounts of commercial banks; the total amount of digital change management accounts of commercial banks is consistent with the total amount of digital change management accounts of the People's Bank of China; The PBOC cash withdrawal reserve account is a cash withdrawal reserve account. The People's Bank of China adjusts the total amount of the cash withdrawal reserve account in real time according to the daily, weekly and monthly cash withdrawal amount. The digital change wallet account of the commercial bank can be withdrawn; the whole process of the digital change management account of the People's Bank of China supervises all bank change wallet accounts in real time, and the method includes the following steps:通过人证机合一移动终端的用户客户端数字零钱钱包并向商业银行的开户银行账户发送申请开通数字零钱钱包账户的请求；Send a request for opening a digital coin purse account to the opening bank account of a commercial bank through the user-side digital coin purse of the mobile terminal of the combination of human, ID and machine;对用户留存的生物活体信息进行对比验证，若验证通过后，则将认证通过信息发送至商业银行；Compare and verify the biological information retained by the user. If the verification is passed, the verification information will be sent to the commercial bank;商业银行允许在开户银行账户下开通数字零钱钱包账户，数字零钱钱包嵌入在具有NFC功能的人证机合一移动终端中；Commercial banks are allowed to open a digital change wallet account under the opening bank account, and the digital change wallet is embedded in an NFC-enabled mobile terminal with a combination of human, ID and machine;数字零钱钱包的开通以及基于数字零钱钱包进行的提现、支付和转存等交易业务均通过锥体区块链智能合约自动执行；The opening of the digital change wallet and the transaction services such as withdrawal, payment and transfer based on the digital change wallet are automatically executed through the cone blockchain smart contract;获取交易业务中的交易数据信息实时推送至锥体区块链网络进行共识。The transaction data information obtained in the transaction business is pushed to the cone blockchain network in real time for consensus.2.根据权利要求1所述的基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于，还包括如下步骤：2. The real-time consensus authentication method of digital change wallet based on cone block chain according to claim 1, is characterized in that, also comprises the following steps:向认证区块发送认证请求；Send an authentication request to the authentication block;认证区块接收认证请求，并对用户进行身份认证，若身份认证通过后，则允许用户登录人证机合一移动终端的用户客户端数字零钱钱包。The authentication block receives the authentication request and authenticates the user's identity. If the identity authentication is passed, the user is allowed to log in to the user's client-side digital coin wallet of the mobile terminal.3.根据权利要求1所述的基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于，基于数字零钱钱包进行的提现业务，具体包括如下步骤：3. The real-time consensus authentication method for a digital change wallet based on a cone block chain according to claim 1, wherein the cash withdrawal business based on the digital change wallet specifically comprises the following steps:用户在人证机合一移动终端的客户端数字零钱钱包通过人证机合一认证区块，和个人身份认证区块/法人身份认证区块进行认证通过后，向数字零钱钱包绑定的商业银行电子身份账户发送提现请求并输入提现金额；A business where the user binds the digital change wallet to the digital change wallet after the client-side digital change wallet of the mobile terminal of the combination of the witness and the machine passes the authentication block of the integration of the witness and the machine, and the personal identity authentication block/legal person identity authentication block. The bank electronic identity account sends a withdrawal request and enters the withdrawal amount;商业银行电子身份账户对请求的人证机客户端的用户进行留存的生物识别组合实时验证；验证通过后，若商业银行电子身份账户的账户余额≥提现金额时，向绑定的客户端数字零钱钱包账户提取提现金额；The commercial bank electronic identity account conducts real-time verification of the biometric combination retained by the user of the requested witness machine client; after the verification is passed, if the account balance of the commercial bank electronic identity account is greater than or equal to the withdrawal amount, it will be sent to the bound client digital change wallet Account withdrawal amount;商业银行电子身份账户提取提现金额同时向人行提现准备金账户和商业银行数字零钱钱包管理账户广播这一提现信息，商业银行数字零钱钱包账户接收到提现金额向商业银行数字零钱钱包管理账户和客户端数字零钱钱包广播提现信息，客户端数字零钱钱包更新余额，使客户端数字零钱钱包余额与商业银行电子身份账户一致；The commercial bank electronic identity account withdraws the withdrawal amount and broadcasts the withdrawal information to the PBOC’s cash reserve account and the commercial bank digital change wallet management account. The commercial bank digital change wallet account receives the withdrawal amount to the commercial bank digital change wallet management account and client. The digital change wallet broadcasts the withdrawal information, and the client-side digital change wallet updates the balance, so that the balance of the client-side digital change wallet is consistent with the electronic identity account of the commercial bank;商业银行数字零钱钱包管理账户接收到商业银行电子身份账户和绑定的数字零钱钱包账户广播一致信息，更新管理账户余额，并向人行数字零钱管理账户和人行提现准备金账户广播这一信息；The commercial bank digital change wallet management account receives the broadcast consistent information between the commercial bank electronic identity account and the bound digital change wallet account, updates the balance of the management account, and broadcasts this information to the PBOC digital change management account and the PBOC cash withdrawal reserve account;人行提现准备金账户接收到商业银行电子身份账户和商业银行数字零钱管理账户一致的广播信息后，人行提现准备金账户自动转入人行数字零钱管理账户提现金额；After the PBOC cash withdrawal reserve account receives the same broadcast information as the commercial bank electronic identity account and the commercial bank digital change management account, the PBOC cash withdrawal reserve account is automatically transferred to the PBOC digital change management account for the withdrawal amount;人行数字零钱管理账户接收到人行提现准备金账户和商业银行数字零钱管理账户广播一致信息后，更新人行数字零钱管理账户余额，提现完成。The PBOC digital change management account will update the balance of the PBOC digital change management account after receiving the broadcast consistent information between the PBOC cash withdrawal reserve account and the commercial bank digital change management account, and the withdrawal is completed.4.根据权利要求1所述的基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于，所述支付包括联网支付和脱网支付。4 . The real-time consensus authentication method for digital change wallets based on pyramid block chain according to claim 1 , wherein the payment includes online payment and offline payment. 5 .5.根据权利要求4所述的基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于，基于数字零钱钱包进行的联网支付业务，具体包括如下步骤：5. The real-time consensus authentication method for a digital change wallet based on a cone block chain according to claim 4, wherein the online payment service based on the digital change wallet specifically comprises the following steps:收款方客户端数字零钱钱包通过人证机合一认证区块，和个人身份认证区块/法人身份认证区块进行认证通过后，打开钱包客户端的支付二维码或NFC感应码；After the digital change wallet of the payee client is authenticated through the authentication block of the combination of the human and the machine, and the personal identity authentication block/legal person identity authentication block, open the payment QR code or NFC induction code of the wallet client;用户客户端数字零钱钱包通过人证机合一认证区块，和个人身份认证区块/法人身份认证区块进行认证通过后，打开客户端数字零钱钱包并扫描收款方客户端数字零钱钱包的支付二维码或用人证机合一移动终端NFC直接感应收款方的NFC感应码；After the user's client-side digital change wallet is authenticated through the authentication block of the combination of the witness and the machine, and the personal identity authentication block/legal person identity authentication block, open the client-side digital change wallet and scan the payee's client-side digital change wallet. Pay with the QR code or use the NFC sensor of the NFC sensor of the payee to directly sense the payee's NFC sensor code;用户获取收款方账户信息，并输入转账金额，并进行客户端数字零钱钱包留存的生物识别组合认证，认证通过后，判断客户端数字零钱钱包余额是否不小于转账金额，若是，则向收款方客户端数字零钱钱包转出转账金额，同时向商业银行数字零钱钱包账户和银行数字零钱管理账户广播信息；若否，则自动转至提现业务；The user obtains the account information of the beneficiary, enters the transfer amount, and performs the biometric combination authentication retained in the client-side digital change wallet. After the authentication is passed, it is determined whether the balance of the client-side digital change wallet is not less than the transfer amount, and if so, send the payment to the receiver. The client-side digital change wallet transfers the transfer amount, and broadcasts the information to the commercial bank digital change wallet account and the bank digital change management account; if not, it will automatically transfer to the cash withdrawal business;用户银行数字零钱钱包账户变更余额，向用户商业银行数字零钱管理账户和收款方商业银行数字零钱钱包账户发送转账交易信息；Change the balance of the user's bank digital change wallet account, and send the transfer transaction information to the user's commercial bank digital change management account and the payee's commercial bank digital change wallet account;收款方商业银行数字零钱钱包账户收到收款方客户端数字零钱钱包和用户商业银行数字零钱钱包账户广播转账交易信息后，自动更新数据，同时向收款方商业银行数字零钱管理账户和收款方客户端数字零钱钱包广播转账交易信息；The payee's commercial bank digital change wallet account will automatically update the data after receiving the payee's client-side digital change wallet and the user's commercial bank digital change wallet account broadcast transfer transaction information, and at the same time to the payee's commercial bank digital change management account and collection. The digital change wallet of the client side broadcasts the transfer transaction information;用户商业银行数字零钱管理账户接收到用户商业银行数字零钱钱包账户和收款方商业银行数字零钱钱包账户转账交易信息后，自动更新账户数据，并向人行数字零钱管理账户广播转账交易信息；After receiving the transfer transaction information of the user's commercial bank digital change wallet account and the payee's commercial bank digital change wallet account, the user's commercial bank digital change management account automatically updates the account data, and broadcasts the transfer transaction information to the PBOC's digital change management account;人行数字零钱管理账户收到用户商业银行数字零钱管理账户和收款方商业银行数字零钱管理账户转账交易信息后自动更新人行数字零钱管理账户信息，支付完成。The PBOC digital change management account automatically updates the PBOC digital change management account information after receiving the transfer transaction information from the user's commercial bank digital change management account and the payee's commercial bank digital change management account, and the payment is completed.6.根据权利要求4所述的基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于，基于数字零钱钱包进行的脱网支付业务，具体包括如下步骤：6. The real-time consensus authentication method of digital change wallet based on cone block chain according to claim 4, it is characterized in that, the off-net payment service based on digital change wallet specifically comprises the following steps:用户通过人证机合一移动终端认证后，打开钱包客户端感应收款方人证机合一移动终端上提供的NFC感应码；After the user is authenticated by the mobile terminal of the combination of human, ID and machine, open the wallet client to sense the NFC sensor code provided on the mobile terminal of the mobile terminal of the mobile phone of the payee;用户通过感应获取收款方客户端数字零钱钱包标识地址和开户银行钱包账户地址，输入需向收款方转入的支付金额，对用户进行生物活体信息验证和/或密码认证，认证通过后，收款方通过客户端钱包NFC感应用户支付码，收款方客户端数字零钱钱包获取NFC感应转账信息，生成离线待收数字零钱；The user obtains the digital change wallet identification address of the payee's client terminal and the wallet account address of the opening bank through induction, enters the payment amount to be transferred to the payee, and performs biometric information verification and/or password authentication on the user. The payee senses the user's payment code through the client wallet NFC, and the payee's client-side digital change wallet obtains the NFC induction transfer information, and generates offline digital change to be received;当用户与收款方的人证机合一移动终端均进入联网状态下时，用户客户端数字零钱钱包自动执行待转账信息广播，广播后商业银行和人民银行账户自动更新，脱网支付完成。When the mobile terminal of the user and the payee is connected to the Internet, the user's client-side digital change wallet automatically broadcasts the information to be transferred. After the broadcast, the commercial bank and the People's Bank account are automatically updated, and the offline payment is completed.7.根据权利要求5或6中所述的基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于，所述账户信息包括客户端数字零钱钱包标识地址和开户银行钱包账户地址。7. The real-time consensus authentication method for a digital change wallet based on a pyramidal block chain according to claim 5 or 6, wherein the account information includes a client digital change wallet identification address and an account opening bank wallet account address.8.根据权利要求1所述的基于锥体区块链的数字零钱钱包实时共识认证方法，其特征在于，基于数字零钱钱包进行的转存业务，具体包括如下步骤：8. The real-time consensus authentication method for a digital change wallet based on a cone block chain according to claim 1, wherein the transfer business based on the digital change wallet specifically comprises the following steps:通过人证机合一区块认证、个人身份认证区块认证后，进入认证机合一移动终端的钱包客户端，选择零钱转存，输入转存数字零钱金额，转存数字零钱金额≤钱包余额，进行钱包支付留存的生物识别信息组合认证，认证通过后转存请求发送开户银行数字零钱钱包账户和绑定的银行账户；After passing the authentication of the person-identity-machine-in-one block and the personal identity authentication block, enter the wallet client of the authentication machine-in-one mobile terminal, select the change transfer, enter the amount of the digital change to be transferred, and the amount of the digital change to be transferred ≤ wallet balance , carry out the combined authentication of the biometric information retained in the wallet payment, and after the authentication is passed, the transfer request will be sent to the opening bank's digital change wallet account and the bound bank account;商业银行数字零钱钱包账户自动更新数据，转入绑定的商业银行电子身份账户转存数字零钱金额，广播发送至商业银行数字零钱管理账户，商业银行电子身份账户转入转存数字零钱金额，广播发送至人行提现准备金账户和商业银行数字零钱管理账户；The commercial bank digital change wallet account automatically updates the data, transfers the amount of digital change to the bound commercial bank electronic identity account, and broadcasts it to the commercial bank digital change management account, and the commercial bank electronic identity account transfers the amount of digital change, broadcast Send to the PBOC cash withdrawal reserve account and commercial bank digital change management account;商业银行数字零钱管理账户接收到商业银行数字零钱钱包账户和绑定的商业银行电子身份账户一致性广播转账信息，自动更新数据，广播发送至人行数字零钱管理账户和人行提现准备金账户；The commercial bank digital change management account receives the consistent broadcast transfer information between the commercial bank digital change wallet account and the bound commercial bank electronic identity account, automatically updates the data, and broadcasts it to the PBOC digital change management account and the PBOC cash withdrawal reserve account;人行数字零钱管理账户接收到商业银行数字零钱管理账户、人行提现准备金账户一致性转账信息自动更新数据，人行提现准备金账户接收到商业银行电子身份账户转存信息和商业银行数字零钱管理账户转存信息自动更新数据，商业银行数字零钱钱包的数字零钱转存作业完成。The digital change management account of the People's Bank of China receives the consistent transfer information of the digital change management account of the commercial bank and the cash withdrawal reserve account of the People's Bank of China, and the data is automatically updated. The deposit information automatically updates the data, and the digital change transfer operation of the commercial bank digital change wallet is completed.9.基于锥体区块链的数字零钱钱包实时共识认证系统，其特征在于，包括处理器、机器可读存储介质和网络接口，所述机器可读存储介质、网络接口以及处理器之间通过总线系统相连，所述网络接口用于与认证区块、商业银行和人民银行通信连接，所述机器可读存储介质用于存储程序、指令或代码，所述处理器用于执行所述机器可读存储介质中的程序、指令或代码，以执行权利要求1-8中任意一项的基于锥体区块链的数字零钱钱包实时共识认证方法。9. A real-time consensus authentication system for digital change wallets based on the cone block chain, characterized in that it includes a processor, a machine-readable storage medium and a network interface, and the machine-readable storage medium, the network interface and the processor pass through The bus system is connected, the network interface is used to communicate with the authentication block, the commercial bank and the People's Bank of China, the machine-readable storage medium is used to store programs, instructions or codes, and the processor is used to execute the machine-readable storage medium. A program, instruction or code in a storage medium to implement the real-time consensus authentication method for a digital change wallet based on a pyramid block chain according to any one of claims 1-8.

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