CN109767212B - Asset exchange method, system, terminal and storage medium based on blockchain - Google Patents
Asset exchange method, system, terminal and storage medium based on blockchain Download PDFInfo
- Publication number
- CN109767212B CN109767212B CN201811185075.6A CN201811185075A CN109767212B CN 109767212 B CN109767212 B CN 109767212B CN 201811185075 A CN201811185075 A CN 201811185075A CN 109767212 B CN109767212 B CN 109767212B
- Authority
- CN
- China
- Prior art keywords
- transaction
- endorsement
- client
- exchange
- blockchain
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
- 238000000034 method Methods 0.000 title claims abstract description 34
- 230000008520 organization Effects 0.000 claims description 13
- 238000012795 verification Methods 0.000 claims description 12
- 238000012544 monitoring process Methods 0.000 claims description 11
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 5
- 239000010931 gold Substances 0.000 claims description 5
- 229910052737 gold Inorganic materials 0.000 claims description 5
- 238000004088 simulation Methods 0.000 claims description 4
- 238000004806 packaging method and process Methods 0.000 claims description 2
- 238000005516 engineering process Methods 0.000 abstract description 5
- 238000006243 chemical reaction Methods 0.000 description 6
- 238000012163 sequencing technique Methods 0.000 description 4
- 230000000694 effects Effects 0.000 description 3
- 238000012545 processing Methods 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 230000010354 integration Effects 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000008094 contradictory effect Effects 0.000 description 1
- 230000010365 information processing Effects 0.000 description 1
- 230000000977 initiatory effect Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000012800 visualization Methods 0.000 description 1
- 239000002699 waste material Substances 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a blockchain technology, and discloses an asset exchange method, a system, a terminal and a storage medium based on a blockchain, wherein the method comprises the following steps: the client receives the financial digital asset exchange information to initiate an exchange transaction, generates a signature for the exchange transaction, and sends the exchange transaction to an endorsement node; the endorsement node executes an intelligent contract to carry out simulated transaction after verifying the signature passing through the client, and the endorsement signature is signed on the result of the simulated transaction and returned to the client; the client side checks whether the endorsement meets a preset endorsement policy, if so, transaction detailed information is obtained, and the transaction detailed information of the exchange transaction is broadcast to the ordering service node; the ordering service node orders and packages the blocks and submits the blocks to the endorsing node for recording on a blockchain ledger. The invention utilizes the blockchain technology to construct the financial digital asset exchange platform, realizes the intercommunication of financial digital assets, and improves the utilization rate of the financial digital assets.
Description
Technical Field
The invention relates to the technical field of blockchains, in particular to an asset exchange method, system, terminal and storage medium based on blockchains.
Background
At present, the personal owned financial digital assets, such as bank card points, insurance company insurance amounts, wanlitong points, mobile telecommunication Union recharging telephone fees or gifting points, supermarket shopping cards, restaurant food and drink certificates, gym fitness cards, barbershop certificates and the like, can only circulate in a closed loop in the corresponding system, and after being purchased or held, users waste the financial digital assets if not used or consumed, so that the use rate of the financial digital assets is low. In view of this, providing a unified platform for the circulation of financial digital assets in various systems is a problem to be solved.
Disclosure of Invention
The invention aims to provide an asset exchange method, system, terminal and storage medium based on a blockchain, which are used for constructing a financial digital asset exchange platform by utilizing a blockchain technology, realizing intercommunication of financial digital assets and improving the utilization rate of the financial digital assets.
In order to achieve the above object, the present invention provides a blockchain-based asset exchange method, including:
s1, a client of a terminal receives financial digital asset exchange information recorded on an operation interface to initiate an exchange transaction of exchanging financial digital assets into unified points or exchanging the unified points into legal currency, a signature is generated for the exchange transaction by using an encryption certificate of the client, the exchange transaction is sent to at least one predetermined endorsement node, and the financial digital asset exchange information comprises an organization side name, a user name of an exchange side, and types and numbers of assets; the types of assets include: unified points, bank card points, insurance company insurance, mobile telecommunication Union charging telephone fees or giving points, supermarket shopping cards, restaurant food and drink tickets, gym fitness cards and barbershop tickets;
s2, the endorsement node verifies the signature of the client, and after verification is passed, intelligent contracts on a blockchain are executed based on the financial digital asset exchange information to carry out simulated transaction, the endorsement signature is carried out on the result of the simulated transaction, and the endorsement signature is returned to the client;
s3, the client checks whether the endorsement meets a preset endorsement policy based on the endorsement signature result, if so, transaction detailed information is obtained based on the endorsement signature result, and if the client can directly call the ordering service, the transaction detailed information of the exchange transaction is broadcasted to an ordering service node;
s4, the ordering service node orders and packages the exchange transaction blocks, and submits the blocks of the exchange transaction to the endorsement node so that the endorsement node records the exchange transaction on a blockchain ledger;
s5, the client monitors the endorsement node, and after monitoring the event of the exchange transaction, analyzes the corresponding feedback information of the event to determine whether the exchange transaction is recorded on the blockchain ledger.
Preferably, the asset exchange method based on blockchain further comprises:
s101, the client receives the additional payment information of the additional payment guarantee deposit entered on the operation interface to initiate an adjustment transaction for improving the amount of the unified credit issued by the corresponding organization, generates a signature for the adjustment transaction by utilizing the encryption certificate of the client, sends the adjustment transaction to at least one predetermined endorsement node, the endorsement node verifies the signature, executes an intelligent contract on a blockchain based on the additional payment information after the signature passes the verification so as to carry out simulated transaction, and signs the result of the simulated transaction with the endorsement so as to return the result of the simulated transaction signed with the endorsement to the client, wherein the additional payment information comprises additional payment guarantee verification information and the amount of unified points to be improved;
s102, the client checks whether an endorsement meets a preset endorsement policy based on the endorsement signed simulation transaction result, if so, obtains detailed information of integral adjustment based on the endorsement signed simulation transaction result, and if the client can directly call the ordering service, broadcasts the detailed information of adjustment transaction to an ordering service node so that the ordering service node orders and packages the adjustment transaction, and submits the current adjustment transaction block to the endorsement node for the endorsement node to record the current adjustment transaction on a block chain account book;
s103, the client monitors the endorsement node, and after monitoring the event of the current adjustment transaction, analyzes the corresponding feedback information of the event to determine whether the current adjustment transaction is recorded on the blockchain ledger.
Preferably, the step of executing the smart contract on the blockchain to conduct the simulated transaction based on the additional payment information includes:
analyzing whether the sum of the guarantees paid by all the current institutions is larger than or equal to the maximum guarantee limit recorded in the blockchain ledger in advance;
if the maximum guarantee limit is greater than or equal to the maximum guarantee limit, rejecting the current adjustment transaction;
if the sum of the unified credit to be improved and the unified credit issued by all mechanism parties in the blockchain is smaller than the maximum guaranteed gold credit, analyzing whether the sum of the unified credit to be improved and the unified credit issued by all mechanism parties in the blockchain is larger than the maximum unified credit pre-recorded in the blockchain account book;
if the total point amount is larger than the maximum unified point amount, rejecting the current adjustment transaction;
if the total point amount is smaller than or equal to the maximum unified point amount, the adjustment transaction is simulated according to the additional payment information, and a result of the simulated transaction is obtained.
Preferably, the step of executing the intelligent contract on the blockchain to perform the simulated transaction based on the pursuit information further includes:
and counting the liveness of the exchange of the unified points by each institution party, and if two or more institution parties initiate the adjustment transaction for improving the issued unified point amount, allowing the adjustment transaction of the institution party with the highest liveness, and rejecting the adjustment transactions of other institution parties except for the institution party with the highest liveness.
Preferably, after the step S3, the method further includes: and if the client cannot directly call the ordering service, broadcasting the transaction detailed information of the exchange transaction to the endorsement node so as to broadcast the transaction detailed information of the exchange transaction to the ordering service node through the endorsement node.
In order to achieve the above object, the present invention further provides a system for exchanging assets based on a blockchain, the system for exchanging assets based on a blockchain comprises a terminal, an endorsement node and a sorting service node, wherein:
the terminal is used for receiving financial digital asset exchange information recorded on an operation interface by the client to initiate exchange transaction of exchanging the financial digital asset into unified points or exchanging the unified points into legal currency, generating a signature for the exchange transaction by using an encryption certificate of the client, and sending the exchange transaction to at least one predetermined endorsement node, wherein the financial digital asset exchange information comprises an organization side name, a user name of an exchange side, and types and quantity of assets; the types of assets include: unified points, bank card points, insurance company insurance, mobile telecommunication Union charging telephone fees or giving points, supermarket shopping cards, restaurant food and drink tickets, gym fitness cards and barbershop tickets;
the endorsement node is used for verifying the signature of the client, executing an intelligent contract on a blockchain based on the financial digital asset exchange information after verification is passed so as to perform simulated transaction, signing an endorsement on the result of the simulated transaction, and returning the result of signing the endorsement to the client;
the terminal is further used for checking whether the endorsement meets a preset endorsement policy or not based on the endorsement signature result by the client, if so, acquiring transaction detailed information based on the endorsement signature result, and if the client can directly call the ordering service, broadcasting the transaction detailed information of the exchange transaction to the ordering service node;
the ordering service node is used for ordering and packaging the exchange transaction and submitting the block of the exchange transaction to the endorsement node so that the endorsement node records the exchange transaction on a blockchain ledger;
the terminal is also used for monitoring the endorsement node by the client, and analyzing the corresponding feedback information of the event after the event of the current exchange transaction is monitored so as to determine whether the current exchange transaction is recorded on the blockchain ledger.
Preferably, the terminal is further configured to receive, by the client, a collect information of a collect guarantee entered on an operation interface, to initiate an adjustment transaction for increasing a value unit of a unified credit issued by a corresponding institution party, generate a signature for the adjustment transaction using an encryption credential of the client, send the adjustment transaction to a predetermined at least one endorsement node, for the endorsement node to verify the signature, execute an intelligent contract on a blockchain based on the collect information after the verification passes to perform a simulated transaction, and sign a result of the simulated transaction with an endorsement to return the result of the simulated transaction signed with the endorsement to the client, where the collect information includes the collect guarantee information and the value unit of the unified credit to be increased; the client checks whether an endorsement meets a preset endorsement policy based on the result of the endorsed simulated transaction, if so, obtains detailed information of integral adjustment based on the result of the endorsed simulated transaction, and if the client can directly call the ordering service, broadcasts the detailed information of the adjustment transaction to an ordering service node so that the ordering service node orders and packages the adjustment transaction, submits the block of the adjustment transaction to the endorsing node, and the endorsing node records the adjustment transaction on a block chain account book; the client monitors the endorsement node, and after monitoring the event of the current adjustment transaction, analyzes the corresponding feedback information of the event to determine whether the current adjustment transaction is recorded on the blockchain ledger.
Preferably, the terminal is further configured to broadcast the transaction details of the redemption transaction to the endorsement node if the client cannot directly invoke the ordering service, so as to broadcast the transaction details of the redemption transaction to the ordering service node through the endorsement node.
The invention also provides a terminal, which comprises a memory and a processor connected with the memory, wherein the memory stores a client program capable of running on the processor, and the steps executed by the terminal are realized when the client program is executed by the processor.
The present invention also provides a computer-readable storage medium having stored thereon a program of a client, which when executed by the processor, implements the steps performed by the terminal as described above.
The beneficial effects of the invention are as follows: the invention constructs a financial digital asset exchange platform based on a blockchain technology, deploys an agreed intelligent contract on a blockchain through the agreement of the platform and each company, constructs a Java SDK micro-service application (namely an application corresponding to a client), invokes an intelligent contract interface through the Java SDK to complete data reading and writing on a blockchain account book, realizes the exchange of the financial digital asset into a unified point or the exchange of the unified point into legal currency, and stores the exchanged asset into a personal account in the platform.
Drawings
FIG. 1 is a flow chart of a first embodiment of a blockchain-based asset redemption method of the present invention;
FIG. 2 is a flow chart of a second embodiment of a blockchain-based asset redemption method of the present invention;
FIG. 3 is a schematic diagram of an embodiment of a blockchain-based asset exchange system of the present invention;
fig. 4 is a schematic diagram of a hardware architecture of an embodiment of the terminal shown in fig. 3.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that the description of "first", "second", etc. in this disclosure is for descriptive purposes only and is not to be construed as indicating or implying a relative importance or implying an indication of the number of technical features being indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In addition, the technical solutions of the embodiments may be combined with each other, but it is necessary to base that the technical solutions can be realized by those skilled in the art, and when the technical solutions are contradictory or cannot be realized, the combination of the technical solutions should be considered to be absent and not within the scope of protection claimed in the present invention.
Referring to fig. 1, fig. 1 is a flowchart illustrating an embodiment of a method for exchanging assets based on a blockchain according to the present invention, the method for exchanging assets based on the blockchain includes the following steps:
step S1, a client of a terminal receives financial digital asset exchange information recorded on an operation interface to initiate an exchange transaction of exchanging financial digital assets into unified points or exchanging the unified points into legal currency, a signature is generated for the exchange transaction by using an encryption certificate of the client, and the exchange transaction is sent to at least one predetermined endorsement node;
wherein, each company or institution that provides a financial digital asset exchange can provide a client for a user to exchange a financial digital asset, and the financial digital asset exchange is as follows: the financial digital assets such as the ticket are exchanged for points uniformly issued by the company, or the uniform points are exchanged for legal currency (e.g., rmb). The financial digital asset exchange information comprises a institution party name (or company name), a user name of an exchange party, and the type and quantity of assets; among these types are: unified points, bank card points, insurance company insurance, mobile telecommunications Union charge or gift points, supermarket shopping cards, restaurant food and drink tickets, gym fitness cards, barber's shop hair cards.
When a redemption transaction is initiated, a signature is generated for the redemption transaction by using an encryption certificate of a client, an API interface is called by a Java SDK (Java Software Development Kit ) of the client, and the signature is sent to one or more predetermined endorsement nodes, wherein the one or more predetermined endorsement nodes can be in the same institution or in different institutions. And when the exchange transaction is initiated, information such as intelligent contract identification, method, financial digital asset exchange information, client signature and the like which are required to be called by the exchange transaction are sent to an endorsement node.
Step S2, the endorsement node verifies the signature of the client, and after verification is passed, intelligent contracts on a blockchain are executed based on the financial digital asset exchange information to carry out simulated transaction, the result of the simulated transaction is endorsed and signed, and the result of endorsing and signing is returned to the client;
after receiving the exchange transaction, the endorsement node verifies whether the signature of the client is valid, namely whether the signature is legal, and if the signature is legal, the authentication is passed.
The smart contracts include various rules or agreements for commitments from the parties, and in this embodiment the smart contracts include redemption rules. The endorsement node takes the financial digital asset exchange information in the exchange transaction as a parameter when an intelligent contract is called, the intelligent contract processes an exchange transaction result according to the financial digital asset exchange information and the data of the current account book database, the transaction result is a result of a simulated transaction, and if the exchange transaction is allowed, the transaction result comprises: the return code, the read data set, or the written data set (this write operation is not performed on the database for a while), the ledger will not be updated because the redemption transaction does not have a full network consensus. The read data set is data corresponding to the query operation, and the written data set is data corresponding to the operation needing to be checked in. The present embodiment does not contain a read data set but only a written data set including the organization side name, the user name of the exchange side, the type and number of financial digital assets. And then the transaction results processed by the intelligent contracts are returned to the Java SDK program of the client together with the signature of the endorsement node, and the Java SDK program of the client analyzes the data and provides the data for the client to process in the next step.
Step S3, the client checks whether the endorsement meets a preset endorsement policy based on the endorsement signature result, if so, transaction detailed information is obtained based on the endorsement signature result, and if the client can directly call the ordering service, the transaction detailed information of the exchange transaction is broadcasted to the ordering service node;
if the client can not directly call the ordering service, the endorsement node broadcasts the transaction detailed information of the exchange transaction so as to broadcast the transaction detailed information of the exchange transaction to the ordering service node through the endorsement node;
the client verifies that the signature of the endorsement node of the guarantee is correct and compares the redemption transaction to the results of the simulated transaction. Because the redemption transaction is not a query transaction, the client attempts to submit the redemption transaction to the ordering service node in order to update the ledger. Before submitting, the signatures of all endorsement nodes need to be fully collected, that is, whether the endorsement meets a preset endorsement policy is checked based on the endorsement signature result, for example, the preset endorsement policy is T (2, "A", "B", "C"), which means that the client needs to collect endorsement signatures of any 2 endorsement nodes in A, B, C; as another example, the predetermined endorsement policy T (1, "a," T (2, "B," C ")) indicates that the signature from endorsement node a or the signature endorsement from both endorsement nodes B and C needs to be collected.
If the client side checks that the predetermined endorsement strategy is met and then indicates that the exchange transaction passes through an endorsement stage, transaction detail information is acquired based on the endorsement signed result, wherein the transaction detail information comprises a written data set, an endorsement signature of an endorsement node and the like.
Broadcasting transaction detailed information of the exchange transaction to a sequencing service node if the client can directly call the sequencing service; if the client cannot directly invoke the ordering service, the endorsement nodes described above may be selected to broadcast the redemption transaction, which must be trusted by the client to not remove any messages or other potentially invalidated transactions from the endorsement signature, in order to broadcast transaction details of the redemption transaction to the ordering service node via the endorsement nodes.
If the client detects that the predetermined endorsement policy is not met, the current exchange transaction is aborted, and the exchange transaction can be selected to be reinitiated later.
Step S4, the ordering service node orders and packages the exchange transaction blocks, and submits the blocks of the exchange transaction to the endorsement node so that the endorsement node records the exchange transaction on a blockchain account book;
and S5, the client monitors the endorsement node, and analyzes feedback information corresponding to the event after monitoring the event of the current exchange transaction so as to determine whether the current exchange transaction is recorded on the blockchain ledger.
Wherein the ordering service node does not read the transaction details of the redemption transaction, but only receives the redemption transaction from all channels in the network, orders it in time sequence, and creates a redemption transaction block for each channel, which is passed on to the endorsement node on the channel.
On the endorsement node, the transaction in the exchange transaction block is verified to ensure that the endorsement policy is satisfied, the transaction mark in the exchange transaction block is valid or invalid, and the transaction mark in the exchange transaction block of the exchange transaction is valid, so that the exchange transaction is valid, and the exchange transaction is considered to be the full-network consensus. For each valid redemption transaction, the endorsement node submits the written data set in the transaction details to the current state database to record the current redemption transaction on the blockchain ledger and issues an event to notify the client.
The client monitors the endorsement node, and obtains whether the exchange transaction is recorded on the blockchain ledger or not according to feedback information corresponding to the exchange transaction event.
In this embodiment, the written data set in the transaction detailed information is submitted to the current state database (there is a level db database on the endorsement node, storing the user's data, the company's data, etc.), the financial digital asset requested to be redeemed by the user is redeemed, that is, the user's data and the company's data are obtained from the database, and the user's data and the company's data are updated according to the type and number of the financial digital asset in the transaction of the present redemption, so as to divide the asset into the user's accounts.
Compared with the prior art, the invention constructs a financial digital asset exchange platform based on the blockchain technology, deploys the agreed intelligent contracts on the blockchain through the conventions of the platform and each company, constructs Java SDK micro-service application (namely application corresponding to a client), calls an intelligent contract interface through Java SDK to finish data reading and writing on a blockchain account book, realizes the exchange of the financial digital asset into unified points or the exchange of the unified points into legal currency, and stores the exchanged asset into a personal account in the platform.
In a preferred embodiment, the institution side may increase the unified points issued by means of additional payment of the deposit, and increase the flexibility of the platform application, as shown in fig. 2, and on the basis of the above embodiment, the asset exchange method based on the blockchain further includes:
step S101, the client receives the additional payment information of the additional payment guarantee deposit entered on the operation interface to initiate an adjustment transaction for improving the amount of the unified credit issued by the corresponding organization, generates a signature for the adjustment transaction by utilizing the encryption certificate of the client, sends the adjustment transaction to at least one predetermined endorsement node for the endorsement node to verify the signature, executes an intelligent contract on a blockchain based on the additional payment information after the verification is passed to perform a simulated transaction, and signs the result of the simulated transaction with an endorsement to return the result of the simulated transaction with the endorsement signature to the client, wherein the additional payment information comprises the additional payment guarantee deposit information and the amount of the unified credit to be improved;
step S102, the client checks whether the endorsement meets a preset endorsement policy based on the result of the endorsed simulated transaction, if so, the client acquires detailed information of integral adjustment based on the result of the endorsed simulated transaction, and if the client can directly call the ordering service, the client broadcasts the detailed information of the adjustment transaction to an ordering service node so that the ordering service node orders and packages the adjustment transaction, and submits the block of the adjustment transaction to the endorsement node for the endorsement node to record the adjustment transaction on a block chain account book;
step S103, the client monitors the endorsement node, and after monitoring the event of the current adjustment transaction, analyzes the feedback information corresponding to the event to determine whether the current adjustment transaction is recorded on the blockchain ledger.
Further, in order to prevent the organization from overdrawing the unified points, and ensure the purchasing power of the unified points and the security of the transaction, the step of executing the intelligent contract on the blockchain based on the additional payment information to perform the simulated transaction includes:
analyzing whether the sum of the guarantees paid by all the current institutions is larger than or equal to the maximum guarantee limit recorded in the blockchain ledger in advance;
if the maximum guarantee limit is greater than or equal to the maximum guarantee limit, rejecting the current adjustment transaction;
if the sum of the unified credit to be improved and the unified credit issued by all mechanism parties in the blockchain is smaller than the maximum guaranteed gold credit, analyzing whether the sum of the unified credit to be improved and the unified credit issued by all mechanism parties in the blockchain is larger than the maximum unified credit pre-recorded in the blockchain account book;
if the total point amount is larger than the maximum unified point amount, rejecting the current adjustment transaction;
if the total point amount is smaller than or equal to the maximum unified point amount, the adjustment transaction is simulated according to the additional payment information, and a result of the simulated transaction is obtained.
The financial digital asset exchange platform initializes a maximum unified point amount and a maximum guaranteed gold amount within a preset time (for example, within 1 year), for example, the maximum unified point amount is 1000 ten thousand points, the maximum guaranteed gold amount is 1000 ten thousand yuan, and then one yuan of people and people correspond to one unified point. Each institution party pays the deposit, and the total amount of the deposit paid by all institution parties is counted, for example, the total amount of the deposit paid by all institution parties is 900 ten thousand yuan (100 ten thousand yuan of free space is reserved), and then the total sum of the unified points which all institution parties can issue is 900 ten thousand unified points (100 ten thousand unified points of free space is reserved). For example, the a institution party pays 100 ten thousand of the deposit, and the unified integration method allocated to the institution party for issue is 100 ten thousand of unified integration.
After the institution party joins the blockchain, a certain initial guarantee is paid, and the initial guarantee can be stored in a third party account in a supervision institution node (preventing the influence of oversend points or bankruptcy of a institution party on the unified point purchasing power of the platform), and the unified point issued by the company is obtained through initializing the credit line of the initial guarantee.
If the institution party pays the deposit back to improve the amount of the issued unified point, analyzing whether the current total deposit back of the blockchain reaches the maximum value (for example, 1000 ten thousand yuan), if the current total deposit back reaches the maximum value, not paying the deposit back and not paying the excessive point, and if the current total deposit back does not reach the maximum value, then the payment back can be carried out. The unified points, the coupons, the exchange rates and the like issued by each institution side are written into the blockchain ledger to prevent tampering.
Wherein, the step of executing the intelligent contract on the blockchain to perform the simulated transaction based on the additional payment information further comprises: and counting the liveness of the exchange of the unified points by each institution party, and if two or more institution parties initiate the adjustment transaction for improving the issued unified point amount, allowing the adjustment transaction of the institution party with the highest liveness, and rejecting the adjustment transactions of other institution parties except for the institution party with the highest liveness.
Wherein if there are multiple institution parties initiating the adjustment transaction within a period of time (e.g., 1 hour), then a decision is made as to which institution party's adjustment transaction is allowed based on the liveness of redemption of the unified points. The activity is determined based on the number of exchanges and the number of exchanged assets, and the higher the number of exchanges and the higher the number of exchanged assets, the higher the activity, and the lower the activity, otherwise. In this way, the institution side with active exchange obtains more issued unified points, and the use ratio of the financial digital asset is further improved.
The invention also provides an asset exchange system based on the blockchain, which is shown in the figure 3, and comprises a terminal, at least one endorsement node and a sequencing service node, wherein the terminal, the endorsement node and the sequencing service node are used by one organization party, and a blockchain network is formed by a plurality of organization parties.
The terminal is provided with a client as shown in fig. 3, and is a device capable of automatically performing numerical calculation and/or information processing according to a preset or stored instruction. The terminal may be a computer, a single network server, or the like.
In the present embodiment, as shown in fig. 4, the terminal may include, but is not limited to, a memory 11, a processor 12, and a network interface 13, which may be communicatively connected to each other through a system bus, and the memory 11 stores a program of a client that may run on the processor 12. It should be noted that fig. 4 only shows a terminal having components 11-13, but it should be understood that not all of the illustrated components are required to be implemented and that more or fewer components may alternatively be implemented.
Wherein the storage 11 comprises a memory and at least one type of readable storage medium. The memory provides a buffer for the operation of the terminal; the readable storage medium may be a non-volatile storage medium such as flash memory, hard disk, multimedia card, card memory (e.g., SD or DX memory, etc.), random Access Memory (RAM), static Random Access Memory (SRAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), programmable Read Only Memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the readable storage medium may be an internal storage unit of the terminal, such as a hard disk of the terminal; in other embodiments, the nonvolatile storage medium may also be an external storage device of the terminal, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like. In this embodiment, the readable storage medium of the memory 11 is typically used for storing an operating system and various application software installed on the terminal, for example, storing program codes of a client in an embodiment of the present invention. Further, the memory 11 may be used to temporarily store various types of data that have been output or are to be output.
The processor 12 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 12 is typically used to control the overall operation of the terminal. In this embodiment, the processor 12 is configured to execute the program code stored in the memory 11 or process data, such as a program of a client, etc.
The network interface 13 may comprise a wireless network interface or a wired network interface, which network interface 13 is typically used for establishing a communication connection between the terminal and other electronic devices.
Further, the terminal also includes a display for displaying information processed in the terminal and a user interface for displaying a visualization, such as a client operation interface in the present embodiment.
The program of the client is stored in the memory 11 and comprises at least one computer readable instruction stored in the memory 11, the at least one computer readable instruction being executable by the processor 12 to implement the methods of the embodiments of the present application; and, the at least one computer readable instruction may be divided into different logic modules, depending on the functionality implemented by the parts thereof.
In one embodiment, the above-mentioned client program, when executed by the processor 12, implements the following steps:
receiving, by a client, financial digital asset conversion information entered on an operation interface to initiate a conversion transaction for converting a financial digital asset into a unified point or converting the unified point into legal currency, generating a signature for the conversion transaction using an encrypted credential of the client, and sending the conversion transaction to a predetermined at least one endorsement node, the financial digital asset conversion information including an institution party name, a user name of a conversion party, a type and number of assets;
checking whether an endorsement meets a preset endorsement policy or not by the client based on an endorsement signature result of an endorsement node, if so, acquiring transaction detailed information based on the endorsement signature result, if the client can directly call the ordering service, broadcasting the transaction detailed information of the exchange transaction to an ordering service node, and if the client cannot directly call the ordering service, broadcasting the transaction detailed information of the exchange transaction by the endorsement node so as to broadcast the transaction detailed information of the exchange transaction to the ordering service node through the endorsement node;
and the client monitors the endorsement node, and after monitoring the event of the exchange transaction, analyzes the corresponding feedback information of the event to determine whether the exchange transaction is recorded on the blockchain ledger.
Further, the organization side can increase the issued unified point by means of paying after the insurance policy, so as to increase the flexibility of the platform application, and when the program of the client is executed by the processor 12, the following steps are further implemented:
the method comprises the steps that a client receives the additional payment information of additional payment deposit entered on an operation interface to initiate an adjustment transaction for improving the amount of unified points issued by a corresponding organization, a signature is generated for the adjustment transaction by using an encryption certificate of the client, the adjustment transaction is sent to at least one predetermined endorsement node for the endorsement node to verify the signature, intelligent contracts on a blockchain are executed based on the additional payment information after verification is passed to perform simulated transaction, an endorsement signature is made on the result of the simulated transaction to return the result of the simulated transaction with the endorsement signature to the client, and the additional payment information comprises the additional payment deposit evidence information and the amount of unified points to be improved;
the client checks whether an endorsement meets a preset endorsement policy based on the result of the endorsed simulated transaction, if so, obtains detailed information of integral adjustment based on the result of the endorsed simulated transaction, and if the client can directly call the ordering service, broadcasts the detailed information of the adjustment transaction to an ordering service node so that the ordering service node orders and packages the adjustment transaction, submits the block of the adjustment transaction to the endorsing node, and the endorsing node records the adjustment transaction on a block chain account book;
the client monitors the endorsement node, and after monitoring the event of the current adjustment transaction, analyzes the corresponding feedback information of the event to determine whether the current adjustment transaction is recorded on the blockchain ledger.
The present invention also provides a computer readable storage medium having stored thereon a program for a client, which when executed by a processor, implements the steps of the method performed by the terminal described above.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (8)
1. A blockchain-based asset redemption method, the blockchain-based asset redemption method comprising:
s1, a client of a terminal receives financial digital asset exchange information recorded on an operation interface to initiate an exchange transaction of exchanging financial digital assets into unified points or exchanging the unified points into legal currency, a signature is generated for the exchange transaction by using an encryption certificate of the client, the exchange transaction is sent to at least one predetermined endorsement node, and the financial digital asset exchange information comprises an organization side name, a user name of an exchange side, and types and numbers of assets; the types of assets include: unified points, bank card points, insurance company insurance, mobile telecommunication Union charging telephone fees or giving points, supermarket shopping cards, restaurant food and drink tickets, gym fitness cards and barbershop tickets;
s2, the endorsement node verifies the signature of the client, and after verification is passed, intelligent contracts on a blockchain are executed based on the financial digital asset exchange information to carry out simulated transaction, the endorsement signature is carried out on the result of the simulated transaction, and the endorsement signature is returned to the client;
s3, the client checks whether the endorsement meets a preset endorsement policy based on the endorsement signature result, if so, transaction detailed information is obtained based on the endorsement signature result, and if the client can directly call the ordering service, the transaction detailed information of the exchange transaction is broadcasted to an ordering service node;
s4, the ordering service node orders and packages the exchange transaction blocks, and submits the blocks of the exchange transaction to the endorsement node so that the endorsement node records the exchange transaction on a blockchain ledger;
s5, the client monitors the endorsement node, and after monitoring the event of the exchange transaction, analyzes the corresponding feedback information of the event to determine whether the exchange transaction is recorded on the blockchain ledger;
the asset exchange method based on the blockchain further comprises the following steps: s101, the client receives the additional payment information of the additional payment guarantee deposit entered on the operation interface to initiate an adjustment transaction for improving the amount of the unified credit issued by the corresponding organization, generates a signature for the adjustment transaction by utilizing the encryption certificate of the client, sends the adjustment transaction to at least one predetermined endorsement node, the endorsement node verifies the signature, executes an intelligent contract on a blockchain based on the additional payment information after the signature passes the verification so as to carry out simulated transaction, and signs the result of the simulated transaction with the endorsement so as to return the result of the simulated transaction signed with the endorsement to the client, wherein the additional payment information comprises additional payment guarantee verification information and the amount of unified points to be improved; s102, the client checks whether an endorsement meets a preset endorsement policy based on the endorsement signed simulation transaction result, if so, obtains detailed information of integral adjustment based on the endorsement signed simulation transaction result, and if the client can directly call the ordering service, broadcasts the detailed information of adjustment transaction to an ordering service node so that the ordering service node orders and packages the adjustment transaction, and submits the current adjustment transaction block to the endorsement node for the endorsement node to record the current adjustment transaction on a block chain account book; s103, the client monitors the endorsement node, and after monitoring the event of the current adjustment transaction, analyzes the corresponding feedback information of the event to determine whether the current adjustment transaction is recorded on the blockchain ledger.
2. The blockchain-based asset redemption method of claim 1, wherein the step of executing a smart contract on the blockchain to conduct a simulated transaction based on the additional payment information includes:
analyzing whether the sum of the guarantees paid by all the current institutions is larger than or equal to the maximum guarantee limit recorded in the blockchain ledger in advance;
if the maximum guarantee limit is greater than or equal to the maximum guarantee limit, rejecting the current adjustment transaction;
if the sum of the unified credit to be improved and the unified credit issued by all mechanism parties in the blockchain is smaller than the maximum guaranteed gold credit, analyzing whether the sum of the unified credit to be improved and the unified credit issued by all mechanism parties in the blockchain is larger than the maximum unified credit pre-recorded in the blockchain account book;
if the total point amount is larger than the maximum unified point amount, rejecting the current adjustment transaction;
if the total point amount is smaller than or equal to the maximum unified point amount, the adjustment transaction is simulated according to the additional payment information, and a result of the simulated transaction is obtained.
3. The blockchain-based asset redemption method of claim 2, wherein the step of executing a smart contract on the blockchain to conduct a simulated transaction based on the additional payment information further comprises:
and counting the liveness of the exchange of the unified points by each institution party, and if two or more institution parties initiate the adjustment transaction for improving the issued unified point amount, allowing the adjustment transaction of the institution party with the highest liveness, and rejecting the adjustment transactions of other institution parties except for the institution party with the highest liveness.
4. A blockchain-based asset redemption method according to any of claims 1 to 3, characterized in that after step S3 it further comprises: and if the client cannot directly call the ordering service, broadcasting the transaction detailed information of the exchange transaction to the endorsement node so as to broadcast the transaction detailed information of the exchange transaction to the ordering service node through the endorsement node.
5. A blockchain-based asset redemption system for implementing the blockchain-based asset redemption method of any of claims 1-4, wherein the blockchain-based asset redemption system includes a terminal, an endorsement node and a ranking service node, wherein:
the terminal is used for receiving financial digital asset exchange information recorded on an operation interface by a client of the terminal to initiate exchange transaction of exchanging financial digital assets into unified points or exchanging the unified points into legal currency, generating a signature for the exchange transaction by using an encryption certificate of the client, and sending the exchange transaction to at least one predetermined endorsement node, wherein the financial digital asset exchange information comprises an organization party name, a user name of an exchange party, and types and quantity of assets; the types of assets include: unified points, bank card points, insurance company insurance, mobile telecommunication Union charging telephone fees or giving points, supermarket shopping cards, restaurant food and drink tickets, gym fitness cards and barbershop tickets;
the endorsement node is used for verifying the signature of the client, executing an intelligent contract on a blockchain based on the financial digital asset exchange information after verification is passed so as to perform simulated transaction, signing an endorsement on the result of the simulated transaction, and returning the result of signing the endorsement to the client;
the terminal is further used for checking whether the endorsement meets a preset endorsement policy or not based on the endorsement signature result by the client, if so, acquiring transaction detailed information based on the endorsement signature result, and if the client can directly call the ordering service, broadcasting the transaction detailed information of the exchange transaction to the ordering service node;
the ordering service node is used for ordering and packaging the exchange transaction and submitting the block of the exchange transaction to the endorsement node so that the endorsement node records the exchange transaction on a blockchain ledger;
the terminal is also used for monitoring the endorsement node by the client, and analyzing the corresponding feedback information of the event after the event of the current exchange transaction is monitored so as to determine whether the current exchange transaction is recorded on the blockchain ledger.
6. The blockchain-based asset redemption system of claim 5, wherein the terminal is further configured to broadcast transaction details of the redemption transaction to the endorsement node to broadcast the transaction details of the redemption transaction to the ordering service node by the endorsement node if the client cannot directly invoke the ordering service.
7. A terminal comprising a memory and a processor coupled to the memory, the memory storing a client program executable on the processor, the client program when executed by the processor implementing the blockchain-based asset redemption method of any of claims 1-4.
8. A computer readable storage medium, wherein a program of a client is stored on the computer readable storage medium, the program of the client implementing the blockchain-based asset redemption method of any of claims 1 to 4 when executed by a processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811185075.6A CN109767212B (en) | 2018-10-11 | 2018-10-11 | Asset exchange method, system, terminal and storage medium based on blockchain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811185075.6A CN109767212B (en) | 2018-10-11 | 2018-10-11 | Asset exchange method, system, terminal and storage medium based on blockchain |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN109767212A CN109767212A (en) | 2019-05-17 |
| CN109767212B true CN109767212B (en) | 2023-08-08 |
Family
ID=66449078
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811185075.6A Active CN109767212B (en) | 2018-10-11 | 2018-10-11 | Asset exchange method, system, terminal and storage medium based on blockchain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109767212B (en) |
Families Citing this family (30)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11777738B2 (en) * | 2019-06-04 | 2023-10-03 | International Business Machines Corporation | Metadata-based endorsement |
| CN110365685A (en) * | 2019-07-18 | 2019-10-22 | 恒生电子股份有限公司 | A kind of data processing method, device, equipment and computer readable storage medium |
| US11562349B2 (en) * | 2019-08-20 | 2023-01-24 | Anchor Labs, Inc. | Risk mitigation for a cryptoasset custodial system using data points from multiple mobile devices |
| CN110533429A (en) * | 2019-08-30 | 2019-12-03 | 北京金山云网络技术有限公司 | Transaction endorsement method, apparatus and block chain network in block chain |
| CN110599171B (en) * | 2019-09-17 | 2023-08-18 | 腾讯科技（深圳）有限公司 | Virtual asset processing method and device based on blockchain network |
| CN110599179B (en) * | 2019-09-25 | 2023-06-16 | 腾讯科技（深圳）有限公司 | Risk control method and related equipment based on blockchain system |
| CN110599178A (en) * | 2019-09-25 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Data processing method and device based on intelligent contract and storage medium |
| CN111046037A (en) * | 2019-11-18 | 2020-04-21 | 远光软件股份有限公司 | Transaction processing method of block chain, electronic device and storage medium |
| CN111127005A (en) * | 2019-11-18 | 2020-05-08 | 远光软件股份有限公司 | Transaction endorsement method for block chain, electronic device and storage medium |
| CN110992030A (en) * | 2019-12-03 | 2020-04-10 | 银清科技有限公司 | Transaction method and system based on super account book fabric |
| CN111275483A (en) * | 2020-01-15 | 2020-06-12 | 厦门顺势共识信息科技有限公司 | Block chain-based point distribution and circulation method |
| CN111274324A (en) * | 2020-02-12 | 2020-06-12 | 北京元链科技有限公司 | Admissibility digital asset transfer method |
| CN111507747B (en) * | 2020-03-06 | 2023-05-16 | 中国南方航空股份有限公司 | A blockchain point exchange mileage system |
| CN111401898B (en) * | 2020-03-16 | 2024-02-27 | 联想(北京)有限公司 | Transaction information verification method and electronic equipment |
| CN111553672B (en) * | 2020-04-29 | 2025-09-23 | 腾讯科技（深圳）有限公司 | Data processing method, device, electronic device and storage medium |
| CN111581667B (en) * | 2020-05-15 | 2023-05-16 | 重庆帮帮链智能科技有限公司 | Pension service time settlement system |
| CN111754226A (en) * | 2020-06-16 | 2020-10-09 | 北京鸿联九五信息产业有限公司 | Tourism card data processing system based on alliance chain |
| CN114078051A (en) * | 2020-08-14 | 2022-02-22 | 北京金山云网络技术有限公司 | Asset conversion method and device on block chain and electronic equipment |
| CN114430414B (en) * | 2020-10-16 | 2024-04-02 | 微观(天津)科技发展有限公司 | Block chain-based data asset exchange method, device and storage medium |
| CN112667652B (en) * | 2020-12-31 | 2022-05-24 | 杭州趣链科技有限公司 | Block chain based simulated transaction method, device, equipment and readable storage medium |
| CN112862469A (en) * | 2021-02-02 | 2021-05-28 | 湖南大学 | Block chain-based digital asset transaction method, system, equipment and storage medium |
| CN113159942A (en) * | 2021-02-20 | 2021-07-23 | 深圳技术大学 | System and storage medium for trading of artwork securitized products based on block chain |
| CN113268541A (en) * | 2021-04-08 | 2021-08-17 | 暨南大学 | Volunteer activity point bank platform system |
| CN113377879B (en) * | 2021-08-16 | 2021-11-09 | 北京圣点云信息技术有限公司 | Asset intelligent query transaction system based on vein recognition and block chain |
| CN115733640A (en) * | 2021-08-30 | 2023-03-03 | 中国移动通信有限公司研究院 | Data transmission method, device, network node and block chain system |
| CN114255035A (en) * | 2021-11-30 | 2022-03-29 | 上海佩俪信息科技有限公司 | A digital asset exchange method, system, device and storage medium |
| CN114463003A (en) * | 2022-01-07 | 2022-05-10 | 中国工商银行股份有限公司 | Virtual resource processing method and system based on block chain and processor |
| CN114511324A (en) * | 2022-04-18 | 2022-05-17 | 云账户技术(天津)有限公司 | Method, system, network device and storage medium for managing zero-work economic service |
| CN115760392A (en) * | 2022-11-10 | 2023-03-07 | 国网冀北张家口风光储输新能源有限公司 | A blockchain-based green certificate transaction system and its on-chain method |
| CN119415601A (en) * | 2025-01-02 | 2025-02-11 | 杭州高新区(滨江)区块链与数据安全研究院 | Transaction data processing method, device, electronic equipment and computer program product |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107122993A (en) * | 2017-04-24 | 2017-09-01 | 杭州趣链科技有限公司 | A kind of General integral system based on block chain |
| CN107292735A (en) * | 2017-05-27 | 2017-10-24 | 唐盛（北京）物联技术有限公司 | A kind of mortgage finance method and system based on block chain technology |
| CN107451874A (en) * | 2017-07-27 | 2017-12-08 | 武汉天喻信息产业股份有限公司 | Electronic invoice integrated conduct method and system based on block chain |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20170372417A1 (en) * | 2016-06-28 | 2017-12-28 | Sivanarayana Gaddam | Digital asset account management |
| CN106845960B (en) * | 2017-01-24 | 2018-03-20 | 上海壹账通区块链科技有限公司 | Method for secure transactions and system based on block chain |
-
2018
- 2018-10-11 CN CN201811185075.6A patent/CN109767212B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107122993A (en) * | 2017-04-24 | 2017-09-01 | 杭州趣链科技有限公司 | A kind of General integral system based on block chain |
| CN107292735A (en) * | 2017-05-27 | 2017-10-24 | 唐盛（北京）物联技术有限公司 | A kind of mortgage finance method and system based on block chain technology |
| CN107451874A (en) * | 2017-07-27 | 2017-12-08 | 武汉天喻信息产业股份有限公司 | Electronic invoice integrated conduct method and system based on block chain |
Also Published As
| Publication number | Publication date |
|---|---|
| CN109767212A (en) | 2019-05-17 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109767212B (en) | Asset exchange method, system, terminal and storage medium based on blockchain | |
| CN109509078B (en) | Block chain-based loan operation method, system, server and storage medium | |
| CN111444209B (en) | Data processing method, device, equipment and medium based on block chain | |
| CN109906443B (en) | Systems and methods for forming universal records | |
| US8701991B2 (en) | System and method for preventing fraud by generating new prepaid gift accounts | |
| CN112381542B (en) | Transaction payment method, device, equipment and storage medium based on blockchain | |
| CN112037068A (en) | Resource transfer method, system, device, computer equipment and storage medium | |
| CN109347789B (en) | Server, block chain-based method and medium for sharing fraudulent client information | |
| CN110333948A (en) | Virtual resource allocation method and apparatus based on block chain | |
| CN117151853A (en) | Method for secure point-to-point communication on a blockchain | |
| CN111986022B (en) | Transaction quota processing method and system based on blockchain and nodes | |
| KR20070034603A (en) | Payment processing method and system | |
| CN110599323A (en) | Resource processing method and processing equipment | |
| CN112767185B (en) | Reverse warranty financing method, device and storage medium based on blockchain | |
| US20220207503A1 (en) | Method and device to provide multi-subscription service | |
| CN111986025A (en) | Loan transaction processing method and system based on block chain | |
| CN111667273A (en) | Digital currency using method and device based on region and main body and electronic equipment | |
| Li et al. | Secure electronic ticketing system based on consortium blockchain | |
| US20230125124A1 (en) | Obtaining conditions data for utilizing an exchange item | |
| CN106327167A (en) | Method and device of realizing network payment | |
| CN114240658A (en) | Data processing method and device, electronic equipment and computer readable storage medium | |
| CN113506106A (en) | Transaction method, settlement method and device and storage medium thereof | |
| CN113297594A (en) | Cross-chain transaction method and device, electronic equipment and storage medium | |
| CN114066448A (en) | Loan transaction processing method and device and electronic equipment | |
| CN112991054A (en) | Electric power futures contract design method based on block chain |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |