Weakly centralized trusted data management system and method of total score double chain of digital bank

Abstract

The invention discloses a weakly centralized and trusted data management system and method of a total-score double-chain of a digital bank. The method comprises the following steps of interweaving alltransaction flowing water into a directed transaction network according to the transaction subject and the transaction time; cutting the directed trading network into a general ledger chain and a plurality of account-by-account ledger chains from horizontal and vertical directions respectively; synchronously consolidating the header information of all the sub-ledger chains into a block of the general ledger chain, thereby consolidating the general ledger chain and the sub-ledger chain into a BC chain; inspecting the relevant transaction and account information through chain head verificationand transaction verification to ensure the authenticity of the inspection information. The total-division double-chain structure is adopted, on the premise of maintaining the centralized storage and management of data, the center ensures that the data is open and transparent, has the characteristics of non-tampering and traceability of block chain, and enables all depositors to be supervisors, indirectly auditing the overall accounting data of the system, thereby avoiding the possibility of bank tampering with data and bookkeeping false accounts.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a weakly centralized and trusted data management system and method for a total score double chain of a digital bank. Background technique [0002] The traditional banking system has long adopted the "centralized" management model, which has the advantages of high efficiency, controllability, and convenient management. However, in recent years, with the disclosure of some insider crimes and external attacks, the disadvantages of the centralized model have become increasingly prominent: centralized Storing all account information and transaction information can easily become the target of hacker attacks and cause huge losses. More importantly, centralized management lacks transparency and supervision. Depositors can only passively trust the bank completely, and it is difficult to actively implement supervision. Banks have the right to record every transaction, and have the...

AI Technical Summary

Problems solved by technology

However, this technology is still in its infancy, and there are problems such as high consumption and low efficiency, privacy leakage and lack of responsible subjects.

In addition, if this model is adopted, the bank will lose the central position of the system, and it will be more difficult for the government to implement supervision and cannot guarantee the safety and controllability of the financial system

At present, the virtual currency represented by "bitcoin" is a typical representative of blockchain in financial applications. my country's central bank is also preparing to issue its own digital currency, but the central bank's digital currency is backed by national credit and still adopts a centralized model , unable to essentially reflect the characteristics of multi-party trust in the blockchain, and thus unable to give full play to the business advantages of virtual currency

At the same time, it will greatly change the operation mode of the existing banking system, and the construction and maintenance costs will be very high

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