Account transferring system based on Merkle tree backtracking positioning technology, checking method and transaction method

Abstract

The invention discloses an account transferring system based on Merkle tree backtracking positioning technology, checking method and transaction method. The system comprises a center end and a clientend. A central storage module is arranged in the central end; The central storage module comprises a central database and a block chain; The central database is used for storing complete transaction records; the block chain is composed of blocks through Hash iteration, and each block comprises a block head and a block body; the block head is used for storing a root value of a system general ledgertree and a root value of a system household ledger tree of the block; the block body is used for storing transaction details of the block; A local storage module is arranged in the client end; The local storage module comprises a local database and a block head chain; The local database is used for storing individual household account trees; the block head chain is a data chain formed by all theblock heads. According to the invention, through realizing distributed total account checking and individual account checking, bidirectional checking of transaction information of the transaction party and the transaction party can be realized, so that efficient and reliable bank transactions under privacy protection are realized.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a transfer system, a check method and a transaction method based on Merkle tree retrospective positioning technology. 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, and transaction data cannot be verified. Depositors can only passively trust the bank completely, and it is difficult to actively implement supervision. Banks have the right to record...

AI Technical Summary

Problems solved by technology

"Credible" means that it must be technically and systematically ensured that the bank can only keep accounts truthfully, but cannot forge or tamper with transaction records, and cannot record "unilateral accounts" (that is, only record the information of the transferor for a certain transfer transaction, not record or record the information of the transferee), which requires that the transaction data must be open, transparent and verifiable by multiple parties. It is necessary to use blockchain technology to lock the transaction data, instead of using a purely centralized management model of data black box

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