Method and device for constructing credit voucher system or digital currency system

Abstract

The invention relates to a credit voucher system and digital currency. The invention discloses a method and device for constructing a credit voucher system or a digital currency system, and the method comprises the steps: employing an unencrypted open-type architecture, recording the states of credit vouchers or digital currencies based on a single central account book, enabling all credit vouchers or digital currencies to have lifelong unchanged unique codes and lifelong unchanged face values, inquiring or counting credit voucher or digital currency information on a client account from a central account book, wherein the structure and means fundamentally solve the problem of distributed account book data consistency. Meanwhile, a hash value announcement chain scheme is provided to solve the data tamper-proofing problem of credit coupons or digital currency center account books; in addition, a digital currency equivalent exchange change scheme, a payment constraint scheme and the like are added, so that the practicability of the whole scheme is further enhanced; according to the scheme of the invention, a finer credit standard currency architecture is provided based on the contemporary information technology capability.

Description

technical field [0001] The present invention relates to credit voucher systems and digital currencies. Background technique [0002] In terms of the construction and operation of the credit voucher digitization system and digital currency, the existing technical solutions follow the basic elements and processes of manual operations, including the account books of all customers, and the transaction amount or account of digital credit vouchers or digital currencies. Balances are processed and recorded as a summary or cumulative amount, etc. In the manual operation mode, a transaction process involves multiple links such as both parties to the transaction and the account agency counter, and multiple processing documents will be generated and retained, and there are effective preventive measures for transaction repudiation and repeated transactions; There are fewer and fewer links, the transaction process is completed instantly, and transaction denial and repeated transactions ...

AI Technical Summary

Problems solved by technology

In the manual operation mode, a transaction process involves multiple links such as both parties to the transaction and the account agent counter, and multiple processing documents will be generated and retained, and there are effective preventive measures for transaction repudiation and repeated transactions; in digital scenarios, intermediate There are fewer and fewer links, the transaction process is completed in an instant, and transaction denial and repeated transactions are more likely to occur. These have become unavoidable problems in the design and implementation of digital credit voucher systems or digital currency systems; data encryption, signatures and other means can improve The security of the system, but it still cannot solve the malicious tampering of the data of the respective ledgers by the trading parties. For this reason, a consensus mechanism is set in the blockchain solution to ensure the data consistency of the distributed ledgers, but this kind of consensus mechanism brings Due to the shortcomings of low operating efficiency and huge cost, it has failed to popularize or replace the existing credit voucher or currency system

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