CN113450093B - Real-time consensus authentication method and system for digital change wallet based on cone block chain - Google Patents
Real-time consensus authentication method and system for digital change wallet based on cone block chainDownload PDFInfo
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Abstract
Translated fromChinese
Description
Translated fromChinese技术领域technical field
本发明涉及区块链技术领域，尤其涉及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。The invention relates to the technical field of block chains, in particular to a real-time consensus authentication method and system for a digital coin purse based on a cone block chain.
背景技术Background technique
区块链本质是一种开源分布式账本，它是比特币和其他虚拟货币的核心技术，能高效记录买卖双方的交易，并保证这些记录是可查证且永久保存的。同时，区块链本身具有去中心化、去中介化、信息透明、无法篡改和安全等特点。区块链存在无政府监管、安全性低等问题。The essence of blockchain is an open source distributed ledger. It is the core technology of Bitcoin and other virtual currencies. It can efficiently record transactions between buyers and sellers, and ensure that these records are verifiable and permanently preserved. At the same time, the blockchain itself has the characteristics of decentralization, disintermediation, information transparency, tamper-proof and security. The blockchain has problems such as no government supervision and low security.
支付宝和微信第三方支付的出现，让人民银行对人民币的控制力在减弱，因此，人民银行发行数字货币和电子支付工具(DCEP)也是一次重新洗牌，让商业银行和支付宝微信站在了同一起跑线上，有利于巩固人民银行的位置。此外，由于纸钞、硬币的发行，印刷、回笼、贮藏、防伪等各个环节的成本高，并且携带不便。DCEP顺应时代潮流，有可能加速人民币的国际化。The emergence of Alipay and WeChat third-party payment has weakened the People's Bank of China's control over the RMB. Therefore, the issuance of digital currency and electronic payment tools (DCEP) by the People's Bank of China is also a reshuffle, allowing commercial banks and Alipay WeChat to stand on the same side. On the starting line, it is conducive to consolidating the position of the People's Bank of China. In addition, due to the issuance of banknotes and coins, the cost of printing, return, storage, anti-counterfeiting and other links is high, and it is inconvenient to carry. DCEP conforms to the trend of the times and may accelerate the internationalization of RMB.
数字货币M0，是流通中的货币。商业银行的储蓄存款是M1的一部分，和M0共同组成了M1。他们本质是不一样的。发行数字货币后，从银行提现成数字货币到手机里(也可以是其他载体，比如支持NFC的实体卡、智能手表、手环等)，不再是银行存款，和我们从银行的柜台、ATM取出现金到钱包里的性质是一样的，银行的财务报表中都要相应的借储蓄存款(短期负债)，贷现金(短期资产)。这个行为完全不同于转入微信、支付宝的电子钱包，对于银行来讲其实不过是从储蓄存款转入企业的活期账户中，从商业银行的储蓄存款M1变成了广义货币供应量M2的一部分，财务报表中是借储蓄存款(短期负债)，贷企业存款(短期负债)。所以数字货币的提现意味着银行资产负债规模的缩小。转入第三方支付的钱包不影响资产负债规模。如果短期大量从银行提现数字货币到电子钱包，会造成挤兑和延时现象，存在交易并发性低的问题，且数字货币应用最多的场景是零售，高并发对于银行数字零钱支付是一个亟需解决的技术问题。The digital currency M0 is the currency in circulation. Savings deposits in commercial banks are part of M1, and together with M0, they make up M1. They are essentially different. After the issuance of digital currency, cash withdrawal from the bank into digital currency to the mobile phone (or other carriers, such as NFC-enabled physical cards, smart watches, bracelets, etc.), is no longer a bank deposit, and we get it from bank counters, ATMs, etc. The nature of withdrawing cash into the wallet is the same, and the bank's financial statements must correspondingly borrow savings deposits (short-term liabilities) and lend cash (short-term assets). This behavior is completely different from transferring to WeChat and Alipay’s e-wallets. For banks, it is actually transferring savings deposits to corporate current accounts. The savings deposit M1 of commercial banks has become a part of the broad money supply M2. In the financial statements, it refers to borrowing savings deposits (short-term liabilities) and lending corporate deposits (short-term liabilities). Therefore, the withdrawal of digital currency means the reduction of the scale of bank assets and liabilities. The wallet transferred to the third-party payment does not affect the scale of assets and liabilities. If a large amount of digital currency is withdrawn from the bank to the e-wallet in the short term, it will cause a run and delay, and there will be a problem of low transaction concurrency, and the most widely used scenario of digital currency is retail, and high concurrency is an urgent need to solve for bank digital change payment technical problems.
发明内容Contents of the invention
为了解决上述技术问题，本发明提出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，用以解决现有技术存在的商业银行结算支付延时、并发性低的问题以及数字零钱账户的监管、可追溯问题。In order to solve the above-mentioned technical problems, the present invention proposes a real-time consensus authentication method and system for digital change wallets based on the cone block chain to solve the problems of commercial bank settlement payment delay and low concurrency in the prior art and digital change accounts Supervision and traceability issues.
为了达到上述目的，本发明的技术方案如下：In order to achieve the above object, technical scheme of the present invention is as follows:
基于锥体区块链的数字零钱钱包实时共识认证方法，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：A real-time consensus authentication method for digital change wallets based on the Pyramid blockchain, which is applied to the mobile terminal of the Pyramid blockchain, where authentication blocks, commercial banks and the People's Bank of China are deployed on the Pyramid blockchain , wherein, the authentication block includes the identity authentication block of the witness, the personal identity authentication block and the legal person identity authentication block, and the electronic identity account of the commercial bank of the individual or legal person is set under the commercial bank, that is, the opening bank account, the commercial bank account Bank digital change wallet account, commercial bank digital change management account, PBOC cash withdrawal reserve account and PBOC digital change management account under the People's Bank of China, client digital change wallet and commercial bank digital change wallet account through the cone blockchain consensus algorithm The information consensus is consistent; the total amount of digital change management accounts of commercial banks is consistent with the total information of digital change wallet accounts of commercial banks; the total amount of digital change management accounts of commercial banks is consistent with the total information of PBOC digital change management accounts; For the cash withdrawal reserve account, the People's Bank of China regulates the total amount of the cash withdrawal reserve account in real time according to the daily, weekly, and monthly cash withdrawal amount. The wallet account 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 change wallet account to the opening bank account of the commercial bank through the digital change wallet of the user client of the mobile terminal that combines witness and ID card;
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, and 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 account of the opening bank, and the digital change wallet is embedded in a mobile terminal with NFC function;
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 based on the digital change wallet, such as cash withdrawal, payment and transfer, are automatically executed through the smart contract of the cone block chain;
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。Get the transaction data information in the transaction business and push it to the Pyramid blockchain network for consensus in real time.
优选地，还包括如下步骤：Preferably, the following steps are also included:
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 performs identity authentication on the user. If the identity authentication is passed, the user is allowed to log in to the user client digital change wallet of the mobile terminal integrating witness and identification mechanism.
优选地，基于数字零钱钱包进行的提现业务，具体包括如下步骤：Preferably, the cash withdrawal service based on the digital change wallet specifically includes 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；After the user's digital change wallet on the client terminal of the witness-certificate machine-in-one mobile terminal passes the authentication block of the witness machine-in-one authentication block, and the personal identity authentication block/legal identity authentication block, the business bound to the digital change wallet The bank's electronic identity account sends a withdrawal request and enters the withdrawal amount;
在人证机合一移动终端的客户端数字零钱钱包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；Send a cash withdrawal request to the electronic identity account of the commercial bank bound to the digital change wallet and enter the cash withdrawal amount in the digital change wallet on the client side of the mobile terminal integrating witness and ID card;
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 electronic identity account of the commercial bank conducts real-time verification of the retained biometric combination of the user of the requesting client terminal of the personal identification machine; after the verification is passed, if the account balance of the electronic identity account of the commercial bank is greater than or equal to the withdrawal amount, the digital change wallet of the bound client will be transferred 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’s electronic identity account withdraws the cash withdrawal amount and simultaneously broadcasts the withdrawal information to the PBOC’s cash withdrawal reserve account and the commercial bank’s digital change wallet management account. The digital change wallet broadcasts cash withdrawal information, and the client digital change wallet updates the balance so that the balance of the client 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 digital change wallet management account of the commercial bank receives consistent information from the electronic identity account of the commercial bank and the bound digital change wallet account, updates the balance of the management account, and broadcasts this information to the digital change management account of the PBOC and the cash withdrawal reserve account of the PBOC;
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 cash withdrawal reserve account of the People's Bank of China receives the same broadcast information from the commercial bank's electronic identity account and the digital change management account of the commercial bank, the cash withdrawal reserve account of the People's Bank of China will automatically transfer the cash withdrawal amount to the digital change management account of the People's Bank of China;
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。After the PBOC digital change management account receives consistent information broadcast from the PBOC cash withdrawal reserve account and the commercial bank digital change management account, it updates the balance of the PBOC digital change management account, and the cash withdrawal is completed.
优选地，所述支付包括联网支付和脱网支付。Preferably, the payment includes online payment and offline payment.
优选地，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：Preferably, the online payment service based on the digital change wallet specifically includes 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 payee’s client’s digital change wallet has passed the authentication block of witness-certificate machine integration and the personal identity authentication block/legal person identity authentication block, open the payment QR code or NFC sensor 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 digital change wallet of the user client has passed the verification block of the identity card and the personal identity authentication block/legal identity authentication block, open the digital change wallet of the client and scan the digital change wallet of the payee client. Pay the two-dimensional code or use the mobile terminal NFC to directly sense the NFC induction code of the payee;
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 payee, enters the transfer amount, and conducts the biometric combination authentication stored in the digital change wallet of the client. After the authentication is passed, it is judged whether the balance of the digital change wallet of the client is not less than the transfer amount. The transfer amount is transferred from the digital change wallet of the client client, and at the same time broadcast information to the digital change wallet account of the commercial bank and the digital change management account of the bank; 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 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；After the digital change wallet account of the payee's commercial bank receives the broadcast transfer transaction information from the digital change wallet of the payee's client terminal and the digital change wallet account of the user's commercial bank, the data is automatically updated, and at the same time, the data is sent to the payee's commercial bank digital change management account and the receiving party. The payer's client digital change wallet broadcasts 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 the user's commercial bank digital change management account receives the transfer transaction information between the user's commercial bank digital change wallet account and the payee's commercial bank digital change wallet account, it automatically updates the account data, and broadcasts the transfer transaction information to the digital change management account of the People's Bank of China;
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。After the digital change management account of the People's Bank of China receives transfer transaction information from the digital change management account of the user's commercial bank and the digital change management account of the payee's commercial bank, it automatically updates the information of the digital change management account of the People's Bank of China, and the payment is completed.
优选地，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：Preferably, the offline payment service based on the digital change wallet specifically includes 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 witness and ID card, open the wallet client to sense the NFC induction code provided by the mobile terminal of the combination of witness and ID card 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. After the authentication is passed, The payee senses the user payment code through the client wallet NFC, and the payee client digital change wallet obtains the NFC sensing transfer information to generate 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 are connected to the Internet, the user's client digital change wallet automatically broadcasts the information to be transferred. After the broadcast, the accounts of the commercial bank and the People's Bank of China are automatically updated, and the offline payment is completed.
优选地，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。Preferably, the account information includes the identification address of the client's digital change wallet and the wallet account address of the opening bank.
优选地，基于数字零钱钱包进行的转存业务，具体包括如下步骤：Preferably, the transfer business based on the digital change wallet specifically includes 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，进入人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 verification of the witness-certificate-in-one block and the personal identity authentication block, enter the wallet client of the witness-in-one mobile terminal, select change transfer, enter the amount of digital change to be transferred, and the amount of digital change to be transferred ≤ wallet Balance, the combination of biometric information retained for wallet payment authentication, after the authentication is passed, the transfer request is sent to the account 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 digital change wallet account of the commercial bank automatically updates the data, transfers to the bound electronic identity account of the commercial bank, transfers the amount of digital change, broadcasts and sends it to the digital change management account of the commercial bank, transfers the amount of digital change to the electronic identity account of the commercial bank, broadcasts 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 digital change management account of the commercial bank receives the consistent broadcast transfer information of the digital change wallet account of the commercial bank and the bound electronic identity account of the commercial bank, automatically updates the data, and sends the broadcast to the digital change management account of the People's Bank of China and the cash withdrawal reserve account of the People's Bank of China;
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 digital change management account of the commercial bank and the consistent transfer information of the cash withdrawal reserve account of the People’s Bank of China automatically updates the data, and the cash withdrawal reserve account of the People’s Bank of China receives the transfer information of the electronic identity account of the commercial bank and the transfer information of the digital change management account of the commercial bank. The deposit information automatically updates the data, and the digital change transfer operation of the commercial bank's digital change wallet is completed.
基于锥体区块链的数字零钱钱包实时共识认证系统，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，以执行上述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。A real-time consensus authentication system for digital change purses based on the cone block chain, including a processor, a machine-readable storage medium and a network interface, the machine-readable storage medium, the network interface and the processor are connected through a bus system, the said The network interface is used to communicate with the certification 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 programs in the machine-readable storage medium, Instructions or codes to implement any of the above-mentioned real-time consensus authentication methods for digital coin wallets based on the cone blockchain.
基于上述技术方案，本发明的有益效果是：本发明中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，产生的交易业务数据信息通过个人或法人的商业银行电子身份账户、客户端数字零钱钱包、商业银行数字零钱钱包账户、商业银行数字零钱管理账户、人行提现准备金账户、人行数字零钱管理账户节点实时上链存储，通过广播在相关联节点形成共识，政府可实时监管数字零钱钱包账户资金流向，实现数字零钱可追溯以及银行结算支付响应快、高并发。Based on the above-mentioned technical scheme, the beneficial effect of the present invention is: the opening of the digital change wallet in the present invention and transaction services such as cash withdrawal, payment and transfer based on the digital change wallet, the transaction business data information generated by the commercial bank of the individual or legal person Electronic identity account, client digital change wallet, commercial bank digital change wallet account, commercial bank digital change management account, PBOC cash withdrawal reserve account, PBOC digital change management account nodes are stored on the chain in real time, and a consensus is formed at the associated nodes through broadcasting. The government can supervise the flow of funds in the digital change wallet account in real time, and realize the traceability of digital change and fast response and high concurrency of bank settlement and payment.
附图说明Description of drawings
下面结合附图对本发明的具体实施方式作进一步详细的说明。The specific implementation manners of the present invention will be further described in detail below in conjunction with the accompanying drawings.
图1是一个实施例中基于锥体区块链的数字零钱钱包实时共识认证方法中客户端数字零钱钱包的开通流程图；Fig. 1 is the flow chart of opening the digital change wallet of the client in the real-time consensus authentication method of the digital change wallet based on the cone block chain in one embodiment;
图2是一个实施例中基于锥体区块链的数字零钱钱包实时共识认证方法中提现业务的流程图；Fig. 2 is the flow chart of withdrawing money in the digital change wallet real-time consensus authentication method based on the cone block chain in an embodiment;
图3是一个实施例中基于锥体区块链的数字零钱钱包实时共识认证方法中联网支付业务的流程图；Fig. 3 is the flow chart of online payment service in the real-time consensus authentication method of the digital change wallet based on the cone block chain in an embodiment;
图4是一个实施例中基于锥体区块链的数字零钱钱包实时共识认证方法中脱网支付业务的流程图；Fig. 4 is the flow chart of off-network payment service in the real-time consensus authentication method of the digital change wallet based on the cone block chain in an embodiment;
图5是一个实施例中基于锥体区块链的数字零钱钱包实时共识认证方法中转存业务的流程图；Fig. 5 is the flow chart of depositing business in the real-time consensus authentication method of the digital change wallet based on the cone block chain in an embodiment;
图6是一个实施例中基于锥体区块链的数字零钱钱包实时共识认证系统的结构框图。Fig. 6 is a structural block diagram of a real-time consensus authentication system for a digital coin purse based on the Pyramid blockchain in an embodiment.
具体实施方式Detailed ways
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述。The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the drawings in the embodiments of the present invention.
如图6所示，本发明提供基于锥体区块链的数字零钱钱包实时共识认证方法，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(以及实力达标的相关机构)和人民银行，其中，认证区块包括人证机合一认证区块、个人身份认证区块、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(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，在人民银行下设立人行提现准备金账户和人行数字零钱管理账户。As shown in Figure 6, the present invention provides a real-time consensus authentication method for digital change wallets based on the Pyramid block chain, which is applied to the mobile terminal of the Pyramid block chain, and the Pyramid block chain is deployed with Authentication blocks, commercial banks (and relevant institutions that meet the strength standards) and the People's Bank of China, among which, the authentication blocks include the authentication block of witnesses and witnesses, the personal identity authentication block, and the legal person identity authentication block, which are set under the commercial bank Individual or legal person's commercial bank electronic identity account (account opening bank account), commercial bank digital change wallet account, commercial bank digital change management account, PBOC cash withdrawal reserve account and PBOC digital change management account established under the People's Bank of China.
个人或法人的商业银行电子身份账户相当于是开户行账户，商业银行数字零钱钱包账户的零钱可实时转存到个人或法人的银行电子身份账户，个人或法人的商业银行电子身份账户金额可提现到商业银行数字零钱钱包账户；The commercial bank electronic identity account of an individual or legal person is equivalent to the account of the opening bank. The change in the digital change wallet account of the commercial bank can be transferred to the electronic identity account of the individual or legal person in real time, and the amount of the electronic identity account of the commercial bank of the individual or legal person can be withdrawn to Commercial bank digital change wallet account;
商业银行数字零钱钱包账户存储本行数字零钱总额，并可与数字零钱钱包账户之间进行转账操作；The digital change wallet account of the commercial bank stores the total amount of the bank's digital change, and can perform transfer operations with the digital change wallet account;
商业银行数字零钱管理账户管理本行数字零钱总额，并监管本行数字零钱流向，与人行数字零钱管理账户总额共识一致；The digital change management account of the commercial bank manages the total amount of the bank's digital change, and supervises the flow of the bank's digital change, which is consistent with the total amount of the digital change management account of the People's Bank of China;
人行提现准备金账户为提现准备金账户，是人民银行根据每日、周、月实时统计的提现金额，对账户金额实时调控；接收商业银行数字零钱管理账户金额变化以及人行数字零钱管理账户总额变化，如果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增加，则人行提现准备金账户总额减少，且人行提现准备金账户总额减少量与人行数字零钱管理账户总额一致。The People’s Bank’s cash withdrawal reserve account is a cash withdrawal reserve account, which is based on the daily, weekly, and monthly real-time statistics of the cash withdrawal amount by the People’s Bank of China, and real-time control of the account amount; it receives changes in the amount of the digital change management account of commercial banks and changes in the total amount of the digital change management account of the People’s Bank of China , if the total amount of the commercial bank's digital change management account and the total amount of the PBOC's digital change management account increase, the total amount of the PBOC's cash withdrawal reserve account will decrease, and the decrease in the total amount of the PBOC's cash withdrawal reserve account will be consistent with the total amount of the PBOC's digital change management account.
人民银行数字零钱管理账户与商业银行数字零钱钱包账户、人民银行准备金账户达成一致共识，用于监管所有商业银行的数字零钱账户流向。The digital change management account of the People's Bank of China has reached a consensus with the digital change wallet account of commercial banks and the reserve account of the People's Bank of China, and is used to supervise the flow of digital change accounts of all commercial banks.
其中，客户端数字零钱钱包嵌于具有NFC功能的人证机合一移动终端中，人证机合一移动终端分别与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、个人或法人的商业银行电子身份账户和商业银行数字零钱钱包账户相连；Among them, the client-end digital change wallet is embedded in the mobile terminal with NFC function, and the mobile terminal is combined with the authentication block, personal identity authentication block and legal person identity authentication area respectively. Block, personal or legal person's commercial bank electronic identity account is connected with the commercial bank's digital change wallet account;
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分别与个人或法人的商业银行电子身份账户相连；个人或法人的商业银行电子身份账户与人行提现准备金账户相连。The verification block of witness-certificate mechanism, the personal identity verification block and the legal person identity verification block are respectively connected with the electronic identity account of the commercial bank of the individual or legal person; the electronic identity account of the commercial bank of the individual or legal person is connected with the cash withdrawal reserve account of the People's Bank of China.
其中，个人或法人的身份验证需通过锥体区块链人证机合一认证区块、个人身份认证区块/法人身份认证区块的认证，才可以在锥体区块链终端客户端申请开通数字零钱钱包、提现、转账、支付等。Among them, the identity verification of an individual or legal person needs to pass the authentication of the Pyramid blockchain witness-certificate unit authentication block, personal identity authentication block/legal person identity authentication block, and then can apply on the Pyramid blockchain terminal client Open digital change wallet, cash withdrawal, transfer, payment, etc.
个人或法人的商业银行电子身份账户与数字零钱钱包通过锥体区块链三维网络架构信息达成共识，人行提现准备金账户与人行数字零钱管理账户交易信息共识一致，商业银行数字零钱管理账户与人行数字零钱管理账户交易信息共识一致。商业银行数字零钱管理账户与个人或法人对应的商业银行数字零钱钱包账户交易共识一致。The commercial bank electronic identity account of an individual or legal person and the digital change wallet reach a consensus through the three-dimensional network structure information of the cone block chain. The transaction information of the digital change management account is consistent. The commercial bank's digital change management account has the same transaction consensus as the commercial bank's digital change wallet account corresponding to the individual or legal person.
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；各节点的共识通过P2P广播机制在锥体区块链相关联节点进行广播，广播信息进行共识存储。The client’s digital change wallet and the commercial bank’s digital change wallet account have the same information consensus through the cone blockchain consensus algorithm; the total amount of the commercial bank’s digital change management account is consistent with the total information of the commercial bank’s own digital change wallet accounts; the commercial bank’s digital change wallet The total amount of the management account is consistent with the information consensus of the total amount of the digital change management account of the People's Bank of China; the consensus of each node is broadcast on the associated nodes of the cone blockchain through the P2P broadcast mechanism, and the broadcast information is stored in consensus.
本发明的共识算法在相关联节点之间进行共识，可节省成本，提高共识效率，实时进行广播并共识存储，从而实现银行结算支付响应快，可降低延时，提高交易效率。The consensus algorithm of the present invention conducts consensus between associated nodes, which can save costs, improve consensus efficiency, broadcast and store consensus in real time, thereby realizing fast response to bank settlement and payment, reducing delay, and improving transaction efficiency.
个人或法人的商业银行电子身份账户(开户银行账户)由用户的身份信息、生物信息、银行开户信息通过国密算法加密生成，用于身份认证，认证信息实时提交至锥体区块链网络存储，便于国家监管和查询个人银行电子身份账户信息。The commercial bank electronic identity account (account opening bank account) of an individual or legal person is generated by encrypting the user's identity information, biological information, and bank account opening information through a national secret algorithm for identity authentication, and the authentication information is submitted to the cone block chain network in real time for storage , which is convenient for the state to supervise and inquire about personal bank electronic identity account information.
其中，个人或法人的商业银行电子身份账户、商业银行数字零钱钱包账户与商业银行数字零钱管理账户、人行提现准备金账户、人行数字零钱管理账户各节点在锥体区块链相互连接，信息共识存储，每一笔钱包流向信息实时上链存储。Among them, the individual or legal person's commercial bank electronic identity account, commercial bank digital change wallet account and commercial bank digital change management account, PBOC cash withdrawal reserve account, PBOC digital change management account nodes are connected to each other in the cone blockchain, information consensus Storage, each wallet flow information is stored on the chain in real time.
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 based on the digital change wallet, such as cash withdrawal, payment and transfer, are automatically executed through the smart contract of the cone blockchain.
下面以用户为个人为例来具体说明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的具体流程。The following takes the user as an individual as an example to explain in detail the opening of the digital change wallet and the specific process of transaction services such as cash withdrawal, payment, and transfer based on the digital change wallet.
在一个实施例中，如图1所示，人证机合一移动终端客户端数字零钱钱包的开通流程包括：In one embodiment, as shown in Figure 1, the process of opening a digital change wallet of a mobile terminal client with a witness-certificate machine includes:
S101、用户在人证机合一移动终端向人证机合一认证区块、个人身份认证区块发送身份认证请求以及向商业银行的开户银行账户发送开通数字零钱钱包账户请求；S101. The user sends an identity authentication request to the witness machine-in-one authentication block and the personal identity authentication block, and sends a request for opening a digital change wallet account to the opening bank account of the commercial bank on the witness-certificate machine-in-one mobile terminal;
S102、人证机合一认证区块认证通过后，将验证通过结果发送至个人身份认证区块和商业银行开户银行账户；S102. After passing the verification of the verification block of the witness-certificate-machine-in-one verification block, the verification result is sent to the personal identity verification block and the bank account of the commercial bank;
S103、个人身份认证区块接收到个人锥体链客户端请求和人证机合一验证通过结果，对人证机合一的个人进行生物活体信息比对认证；认证通过后将信息发送至商业银行开户银行账户；S103. The personal identity authentication block receives the request from the personal cone chain client and the verification result of the verification of the witness-certificate mechanism, and compares and authenticates the biological information of the individual with the witness-certificate mechanism; after the authentication is passed, the information is sent to the business bank account opening bank account;
S104、商业银行接收到个人请求以及人证机合一认证区块、个人身份认证区块的认证通过消息，对个人账户留存的生物识别组合信息进行实时验证；S104. The commercial bank receives the personal request and the authentication pass message of the authentication block of witness-certification mechanism and personal identity authentication block, and verifies the biometric combination information retained in the personal account in real time;
S105、验证通过后，在绑定开户银行账户下开通数字零钱钱包账户，下载钱包到人证机合一移动终端，数字零钱钱包开通成功，消息发送至商业银行数字零钱管理账户。S105. After the verification is passed, open a digital change wallet account under the bound bank account, download the wallet to the mobile terminal of the witness machine, and the digital change wallet is successfully opened, and a message is sent to the digital change management account of the commercial bank.
在一个实施例中，如图2所示，用户为个人时，基于数字零钱钱包进行的提现业务，具体包括如下步骤：In one embodiment, as shown in Figure 2, when the user is an individual, the cash withdrawal service based on the digital change wallet specifically includes the following steps:
S201、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(开户银行账户)发送提现请求并输入的提现金额；S201. After the user's digital change wallet on the client side of the witness-certificate machine-in-one mobile terminal passes the authentication block of the witness machine-in-one authentication block and the personal identity authentication block, the user opens an electronic identity account (account opening) of a commercial bank bound to the digital change wallet. bank account) to send a withdrawal request and enter the withdrawal amount;
S202、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；S202. The electronic identity account of the commercial bank conducts real-time verification of the biometric combination retained by the user of the requesting personal identification machine client; after the verification is passed, if the account balance of the electronic identity account of the commercial bank is greater than or equal to the withdrawal amount, the digital identity of the bound client is sent Withdraw the withdrawal amount from the change purse account;
S203、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；S203, the commercial bank's electronic identity account withdraws the withdrawal amount and simultaneously broadcasts the withdrawal information to the PBOC's cash withdrawal reserve account and the commercial bank's digital change wallet management account, and the commercial bank's digital change wallet account receives the cash withdrawal amount to the commercial bank's digital change wallet management account and the commercial bank's digital change wallet management account The client-side digital change wallet broadcasts cash 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;
S204、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；S204. The commercial bank's digital change wallet management account receives consistent information from the commercial bank's electronic identity account and the bound digital change wallet account, updates the balance of the management account, and broadcasts this information to the PBOC's digital change management account and the PBOC's cash withdrawal reserve account ;
S205、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；S205. After the cash withdrawal reserve account of the People's Bank of China receives the broadcast information consistent with the electronic identity account of the commercial bank and the digital change management account of the commercial bank, the cash withdrawal reserve account of the People's Bank of China is automatically transferred to the cash withdrawal amount of the digital change management account of the People's Bank of China;
S206、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。S206. After the PBOC digital change management account receives consistent information broadcast from the PBOC cash withdrawal reserve account and the commercial bank digital change management account, the balance of the PBOC digital change management account is updated, and cash withdrawal is completed.
在一个实施例中，如图3所示，人证机合一移动终端钱包客户端联网支付流程包括：In one embodiment, as shown in FIG. 3 , the online payment process of the mobile terminal wallet client with witness-certificate machine includes:
S301、收款方钱包客户端通过人证机合一认证区块和个人身份认证区块认证合格后，打开钱包客户端的支付二维码或NFC感应码；S301. After the wallet client of the payee passes the certification of the authentication block of witness-certification machine and the personal identity authentication block, open the payment QR code or NFC induction code of the wallet client;
S302、用户客户端数字零钱钱包通过人证机合一区块和个人身份区块身份认证后，打开钱包客户端，扫描收款方客户端数字零钱钱包支付二维码或用人证机合一移动终端NFC直接感应收款方NFC感应码；S302. After the digital change wallet of the user client terminal has passed the identity authentication of the identity verification block and the personal identity block, open the wallet client, scan the QR code of the payee's client digital change wallet payment or use the identification verification block to move The terminal NFC directly senses the NFC induction code of the payee;
S303、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，认证通过后向收款方客户端数字零钱钱包转出转账金额(用户数字零钱钱包余额≥转账金额时)，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；S303. The user obtains the account information of the payee, enters the transfer amount, and conducts the biometric combination authentication stored in the digital change wallet of the client. After passing the authentication, transfers the transfer amount to the digital change wallet of the payee client (user digital change wallet When balance ≥ transfer amount), broadcast information to commercial bank digital change wallet account and bank digital change management account at the same time;
S304、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；S304. Change the balance of the user's bank digital change wallet account, and send transfer transaction information to the user's commercial bank digital change management account and the payee's commercial bank digital change wallet account;
S305、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；S305. After the digital change wallet account of the payee's commercial bank receives the transfer transaction information broadcast from the digital change wallet of the payee's client terminal and the digital change wallet account of the user's commercial bank, the data is automatically updated, and at the same time, the data is sent to the digital change management account of the payee's commercial bank. Broadcast transfer transaction information with the payee's client digital change wallet;
S306、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；S306. After the user's commercial bank digital change management account receives the transfer transaction information between the user's commercial bank digital change wallet account and the payee's commercial bank digital change wallet account, automatically update the account data, and broadcast the transfer transaction information to the digital change management account of the People's Bank of China;
S307、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。S307. After the digital change management account of the People's Bank of China receives the transfer transaction information of the digital change management account of the user's commercial bank and the digital change management account of the payee's commercial bank, it automatically updates the information of the digital change management account of the People's Bank of China, and the payment is completed.
如果用户客户端数字零钱钱包余额小于转账金额时，可自动向绑定账户提现，提现流程同上。If the balance of the user's client digital change wallet is less than the transfer amount, it can automatically withdraw cash to the bound account, and the cash withdrawal process is the same as above.
在一个实施例中，如图4所示，基于数字零钱钱包进行的脱网支付业务，即在用户与收款方的人证机合一移动终端在一方和双方均脱网的情况下支付，具体包括如下步骤：In one embodiment, as shown in Figure 4, the offline payment service based on the digital change wallet, that is, the payment is made when the user and the payee's witness machine are integrated into one mobile terminal, and one party and both parties are offline. Specifically include the following steps:
S401、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；S401. After the user is authenticated by the mobile terminal of the combination of witness and ID card, the user opens the wallet client to sense the NFC induction code provided by the mobile terminal of the combination of witness and ID card of the payee;
S402、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；S402. The user obtains the digital change wallet identification address of the payee's client terminal and the wallet account address of the account opening bank through induction, inputs the payment amount to be transferred to the payee, and performs biometric information verification and/or password authentication on the user, and the authentication passes Finally, the payee senses the user's payment code through the client wallet NFC, and the payee client digital change wallet obtains the NFC sensing transfer information to generate offline digital change to be received;
S403、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。S403. When both the mobile terminal of the user and the payee's personal identification machine are connected to the Internet, the user's client digital change wallet automatically broadcasts the information to be transferred, and after the broadcast, the accounts of the commercial bank and the People's Bank of China are automatically updated, and payment is made offline Finish.
在一个实施例中，如图5所示，银行数字零钱钱包数字零钱转存进银行账户的流程包括：In one embodiment, as shown in FIG. 5 , the process of transferring digital change in a bank digital change wallet to a bank account includes:
S501、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；S501. After passing the authentication of the witness-certificate unit-in-one block and the personal identity authentication block, enter the wallet client of the authentication unit-in-one mobile terminal, select transfer of change, input the amount of digital change to be transferred, and the amount of digital change to be transferred is ≤ Wallet balance, the combination of biometric information retained for wallet payment authentication, after the authentication is passed, the transfer request is sent to the account opening bank's digital change wallet account and the bound bank account;
S502、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；S502. The digital change wallet account of the commercial bank automatically updates the data, transfers the amount of digital change to the bound electronic identity account of the commercial bank, broadcasts and sends it to the digital change management account of the commercial bank, and transfers the amount of digital change to the electronic identity account of the commercial bank , the broadcast is sent to the cash withdrawal reserve account of the People's Bank of China and the digital change management account of the commercial bank;
S503、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；S503. The digital change management account of the commercial bank receives consistent broadcast transfer information from the digital change wallet account of the commercial bank and the bound electronic identity account of the commercial bank, automatically updates the data, and sends the broadcast to the digital change management account of the People's Bank of China and the cash withdrawal reserve account of the People's Bank of China;
S504、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。S504. The digital change management account of the People's Bank of China receives the digital change management account of the commercial bank, and the consistent transfer information of the cash withdrawal reserve account of the People's Bank of China automatically updates the data, and the cash withdrawal reserve account of the People's Bank of China receives the electronic identity account transfer information of the commercial bank and the digital change management of the commercial bank The account transfer information automatically updates the data, and the digital change transfer operation of the commercial bank's digital change wallet is completed.
需要说明的是，基于数字零钱钱包进行的提现业务，即当银行开户行账户往银行数字零钱钱包提现是通过账户在银行留存的生物信息进行验证，当银行数字零钱钱包数字零钱转存进银行开户行账户通过钱包支付留存的生物信息进行验证。It should be noted that the cash withdrawal business based on the digital change wallet, that is, when the bank account is withdrawn from the bank's digital change wallet, it is verified by the biological information retained by the account in the bank. When the bank digital change wallet digital change is transferred to the bank account The bank account is verified through the biological information retained in the wallet payment.
需要说明的是，本发明实现了银行账户中数字货币M0与储蓄存款M1之间的智能转换，基于数字零钱钱包的提现、支付和转存等交易业务都需要同时接收到两个相关联节点区块的广播信息，才可以进行相关操作，保证数字零钱钱包账户的安全性和可靠性。信息在锥体区块链上链前，需要通过验证，才可以上链。在链上的认证属于可信认证，参与数字零钱钱包共识认证系统的各节点在锥体区块链上有信任作为通证，人民银行为技术监管背书，保证了资金流向的安全性。本发明的各数字零钱钱包账户加密通过区块链非对称加密算法以及数字证书进行加密，实时保证账户信息的安全性。It should be noted that the present 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 need to receive the information of two associated node areas at the same time. The broadcast information of the block can be used for relevant operations to ensure the security and reliability of the digital change wallet account. Before the information is on the chain of the cone block chain, it needs to be verified before it can be on the chain. The certification on the chain is a credible certification. Each node participating in the digital change wallet consensus certification system has trust as a pass on the cone blockchain. The People's Bank of China endorses technical supervision to ensure the security of capital flow. The account encryption of each digital change wallet of the present invention is encrypted through a block chain asymmetric encryption algorithm and a digital certificate to ensure the security of account information in real time.
以上所述仅为本发明所公开的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的优选实施方式，并非用于限定本说明书实施例的保护范围。凡在本说明书实施例的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本说明书实施例的保护范围之内。The above are only preferred implementations of the real-time consensus authentication method and system for digital change wallets based on the pyramid blockchain disclosed in the present invention, and are not intended to limit the scope of protection of the embodiments of this specification. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the embodiments of this specification shall be included within the scope of protection of the embodiments of this specification.
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。The systems, devices, modules, or units described in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementing device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Combinations of any of these devices.
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。It should also be noted that the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements, but also includes Other elements not expressly listed, or elements inherent in the process, method, commodity, or apparatus are also included. Without further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising said element.
本说明书实施例中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。Each embodiment in the embodiments of this specification is described in a progressive manner, and the same and similar parts of each embodiment can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for relevant parts, refer to part of the description of the method embodiment.
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