Blockchain-based electronic guarantee transaction method and system

Abstract

The embodiment of the application provides a kind of based on the electronic guarantee letter transaction method and system of blockchain, belong to the field of blockchain technology.The method is applied to pre-constructed transaction blockchain, the transaction blockchain includes transaction node, bidder node, bank node, public resident node and other general nodes, the method comprises: the application information that the bidder node sends is obtained by transaction node based on the reachable link of search recycling and hop-by-hop decryption;The transaction authority is issued to the bidder node based on the application information by the transaction node, so that the bidder node initiates guarantee letter confirmation application to bank node based on the transaction authority;The confirmation result of guarantee letter confirmation application initiated by bank node to bidder node is recycled by transaction node, and guarantee letter confirmation is executed;Based on guarantee letter confirmation result, bid transaction result is publicized.The present application solves the problem of poor hiding performance and poor traceability of the existing electronic guarantee letter transaction scheme.

Description

Technical Field

[0001] This application relates to the field of blockchain technology, specifically to a blockchain-based electronic guarantee transaction method and a blockchain-based electronic guarantee transaction system. Background Technology

[0002] In anonymous bidding scenarios, electronic guarantees place extremely high demands on the privacy protection of participating parties. Basic information about bidders, their bids, and prices are not publicly available in anonymous bidding, significantly impacting the fairness of the process. In centralized bidding and guarantee processes, the core is the exchange. The services provided by the exchange connect the bidding party, the tendering party, the guarantor, and banks, among other participants. Therefore, the security and fairness of the bidding process depend entirely on the exchange's technical capabilities and credibility, making the exchange a potential risk factor for anonymous bidding and guarantees.

[0003] Based on this, the centralized concept of blockchain is extremely suitable for this scenario. However, traditional blockchain systems typically employ pseudonym and broadcast mechanisms to protect user privacy; however, public ledger data can be easily obtained by attackers. By analyzing the records in the public ledger, attackers can reverse-engineer the actual owners of blockchain accounts. Therefore, traditional blockchain systems are not completely anonymous, and direct use for anonymous guarantees may lead to information leakage. Current solutions also fail to adequately address anonymity and privacy issues. For example, the unified on-chain method used by exchanges still relies on the centralized processing of the exchange, failing to reflect the decentralized advantages and algorithmic openness of blockchain, and carries the risk of information tampering; zero-knowledge proofs do not protect node and communication privacy; blockchain + dedicated line: where the blockchain records public information and the dedicated line transmits private information. This approach effectively protects privacy, but the system has poor scalability, requiring system development and matching each time a new bank or guarantor is added. To address the problems of poor bidder concealment and traceability in existing electronic guarantee transaction schemes, a new electronic guarantee transaction scheme needs to be proposed. Summary of the Invention

[0004] The purpose of this application is to provide a blockchain-based electronic guarantee transaction method and system.

[0005] To achieve the above objectives, a first aspect of this application provides a blockchain-based electronic guarantee transaction method. The method is applied to a pre-built transaction blockchain, which includes exchange nodes, bidder nodes, bank nodes, publicly resident nodes, and other ordinary nodes. The method includes: responding to an account application request initiated by a bidder node, an exchange node recovers and decrypts the application information sent by the bidder node hop-by-hop based on a searched reachable link; wherein, the hop-by-hop decryption requires unsealing an encrypted digital envelope containing the application information between every two adjacent nodes in the reachable link; the exchange node grants transaction permissions to the bidder node based on the application information, allowing the bidder node to initiate a guarantee confirmation application to a bank node based on the transaction permissions; the exchange node recovers the confirmation result from the bank node regarding the guarantee confirmation application initiated by the bidder node and executes the guarantee confirmation; and the bidding transaction result is published based on the guarantee confirmation result.

[0006] In this embodiment of the application, the method further includes: if a bidder node joins the transaction blockchain for the first time, querying the list of available nodes based on the publicly available permanent nodes in the transaction blockchain; adding the bidder node based on the list of available nodes, and synchronizing the updated list of available nodes to all nodes.

[0007] In this embodiment, the exchange node obtains the application information sent by the bidder node by recovering and decrypting the searched reachable links hop by hop. This includes: responding to the account application request initiated by the bidder node, searching all reachable paths from the bidder node to the exchange node, and randomly specifying one reachable path as the application path; determining the public keys of all path nodes in the application path based on the list of available nodes; the bidder node sequentially encrypting the application information N times based on the public keys of each node to obtain an encrypted digital envelope, where N is the number of hops from the bidder node to the exchange node in the application path; the bidder node transmitting the encrypted digital envelope to the exchange node based on the application path, and in the transmission path, after each hop, the corresponding encrypted digital envelope receiving node decrypts the encrypted digital envelope once based on its own private key, and transmits the decrypted encrypted digital envelope backward based on the application path until the exchange node performs the Nth decryption to obtain the corresponding application information.

[0008] In this embodiment of the application, the exchange node grants trading permissions to the bidder node based on the application information, including: the exchange node verifies the validity of the application information and determines whether the identity information corresponding to the bidder node is compliant; if the validity verification is passed, the exchange node grants trading permissions to the bidder node and distributes a one-time account to the bidder node; if the validity verification is not passed, the exchange node rejects the trading request initiated by the bidder node.

[0009] In this embodiment, the bidder node initiates a guarantee confirmation application to the bank node based on the transaction permissions, including: the bidder node receiving the bid agreement guarantee based on the one-time account and pushing the bid agreement guarantee to the user terminal; collecting the filled information based on the user terminal; performing homomorphic encryption on the bid amount and margin ratio in the filled information; generating a transaction message based on the filled information and the homomorphically encrypted information, and transmitting the transaction message to the bank node to initiate the guarantee confirmation application.

[0010] In this embodiment, the exchange node retrieves the confirmation result of the bank node's guarantee confirmation request initiated by the bidder node and executes the guarantee confirmation, including: the bank node decrypts the transaction message to obtain the complete guarantee and verifies whether the bidder node has the transaction permission opened by the exchange node; if the transaction permission opened by the exchange node is not available, the bidder node's transaction request is terminated; if the transaction permission opened by the exchange node is available, the bidder's credit limit is further reviewed; if the credit limit review fails, the bidder node's transaction request is terminated; otherwise, the bidder's qualification information and project information are reviewed based on the complete guarantee, and a guarantee approval message is generated after the review is passed. The bank's digital signature is attached to the guarantee approval message before it is transmitted to the exchange node.

[0011] In this embodiment of the application, the step of publishing the bidding transaction results based on the guarantee confirmation result includes: the exchange node adding a bidding announcement transaction block to publish the bidding results; the bank node adding a guarantee announcement transaction block to publish the guarantee information; and the trader node adding a confirmation signing transaction block to publish the bidding application message. The method further includes: verifying the legality of the transaction in the transaction blockchain based on the bidding results, the guarantee information, and the bidding application message.

[0012] In this embodiment of the application, the step of publicizing the bidding transaction results based on the guarantee confirmation result further includes: constructing the transaction process initiated by the bidder node based on a unidirectional linked list to obtain a transaction chain; if the bidder node fails to add a confirmation and signing transaction block within the time limit specified in the bidding party's formula at the last node of the transaction chain, the bidding party adds a claim transaction block based on the transaction node; the bank node responds to the claim transaction block by performing a legality verification on the transaction chain, and pays compensation based on the claim transaction block after the verification is passed.

[0013] A second aspect of this application provides a blockchain-based electronic guarantee trading system. The system is applied to a pre-built trading blockchain, which includes exchange nodes, bidder nodes, bank nodes, publicly resident nodes, and other ordinary nodes. The system includes: an account application unit, used to respond to an account application request initiated by a bidder node, whereby the exchange node retrieves and decrypts the application information sent by the bidder node hop-by-hop based on a searched reachable link; wherein, the hop-by-hop decryption requires desealing an encrypted digital envelope containing the application information between every two adjacent nodes in the reachable link; a transaction application unit, used by the exchange node to grant transaction permissions to the bidder node based on the application information, allowing the bidder node to initiate a guarantee confirmation application to the bank node based on the transaction permissions; a guarantee confirmation unit, used by the exchange node to retrieve the confirmation result of the guarantee confirmation application initiated by the bidder node from the bank node and execute the guarantee confirmation; and a public announcement unit, used to publicize the bidding transaction results based on the guarantee confirmation results.

[0014] A third aspect of this application provides a processor configured to execute the aforementioned blockchain-based electronic guarantee transaction method.

[0015] A fourth aspect of this application provides a machine-readable storage medium storing instructions that, when executed by a processor, configure the processor to perform the aforementioned blockchain-based electronic guarantee transaction method.

[0016] The fifth aspect of this application provides a computer program product, including a computer program that, when executed by a processor, implements the aforementioned blockchain-based electronic guarantee transaction method.

[0017] Through the above technical solution, this invention employs differentiated data encryption based on the reachable link between the bidder node and the exchange node. No node, network device, or eavesdropping device in the network can detect the initiator's message information and network information, thus completely hiding the bidder's information. The bidder's blockchain account is disposable; each time they participate in a new project, they need to apply for a new random account through this method, ensuring that the bidder's privacy information is untraceable in the blockchain ledger.

[0018] Other features and advantages of the embodiments of this application will be described in detail in the following detailed description section. Attached Figure Description

[0019] The accompanying drawings are provided to further illustrate the embodiments of this application and form part of the specification. They are used together with the following detailed description to explain the embodiments of this application, but do not constitute a limitation on the embodiments of this application. In the drawings:

[0020] Figure 1 The illustration shows a schematic diagram of the application environment of the blockchain-based electronic guarantee transaction method according to an embodiment of this application;

[0021] Figure 2 The illustration shows a flowchart of a blockchain-based electronic guarantee transaction method according to an embodiment of this application;

[0022] Figure 3 A schematic diagram of an encrypted peer-to-peer network according to an embodiment of this application is shown.

[0023] Figure 4 This illustration schematically depicts the encryption process of a bidder node applying for a guarantee according to an embodiment of this application;

[0024] Figure 5 The diagram illustrates the system architecture of a blockchain-based electronic guarantee transaction system according to an embodiment of this application.

[0025] Figure 6 The diagram illustrates the internal structure of a computer device according to an embodiment of this application. Detailed Implementation

[0026] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are only for illustration and explanation of the embodiments of this application and are not intended to limit the embodiments of this application. All other embodiments obtained by those skilled in the art based on the embodiments of this application without creative effort are within the scope of protection of this application.

[0027] It should be noted that if the embodiments of this application involve directional indicators (such as up, down, left, right, front, back, etc.), the directional indicators are only used to explain the relative positional relationship and movement of the components in a certain specific posture (as shown in the figure). If the specific posture changes, the directional indicators will also change accordingly.

[0028] Furthermore, if the embodiments of this application involve descriptions such as "first" or "second," these descriptions are for descriptive purposes only and should not be construed as indicating or implying their relative importance or implicitly specifying the number of technical features indicated. Therefore, features defined with "first" or "second" may explicitly or implicitly include at least one of those features. Additionally, the technical solutions of various embodiments can be combined with each other, but this must be based on the ability of those skilled in the art to implement them. If the combination of technical solutions is contradictory or impossible to implement, it should be considered that such a combination of technical solutions does not exist and is not within the scope of protection claimed in this application.

[0029] The acquisition, transmission, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0030] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, they do not mean that the applicant has used or necessarily used the solution.

[0031] The blockchain-based electronic guarantee transaction method provided in this application can be applied to, for example... Figure 1 The application environment shown consists of a client, an exchange server, a bank server, and a blockchain platform. The client includes a business processing module, a blockchain transaction module, an encrypted communication module, and a homomorphic encryption module. The exchange server includes a business service module, a blockchain transaction module, an encrypted communication module, and a homomorphic encryption module. The bank server includes a guarantee business module, a blockchain transaction module, and an encrypted communication module. The blockchain platform includes an encrypted communication module, a storage engine, a consensus engine, and a transaction processing module. The type of blockchain that can be used is not limited to public or consortium blockchains.

[0032] Figure 2 The illustration schematically depicts a flowchart of a blockchain-based electronic guarantee transaction method according to an embodiment of this application. The method is applied to a pre-built transaction blockchain, which includes exchange nodes, bidder nodes, bank nodes, publicly resident nodes, and other ordinary nodes. Figure 2 As shown in one embodiment of this application, a blockchain-based electronic guarantee transaction method is provided, comprising the following steps:

[0033] Step S10: In response to the account application request initiated by the bidder node, the exchange node recovers the reachable links based on the search and decrypts them hop by hop to obtain the application information sent by the bidder node.

[0034] Specifically, the following types of private information need to be hidden in guarantee transactions:

[0035] Bidder's address: The address information of the initiator of the transaction in the blockchain ledger, which can achieve privacy protection and non-traceability. Attackers cannot obtain the user information of a transaction initiator, thus protecting the privacy of the initiator.

[0036] The addresses of guarantee companies and banks: These are the recipient addresses of transactions in the blockchain ledger, ensuring privacy and preventing unauthorized association; attackers cannot access them.

[0037] Two transactions accepted by the same user are linked to protect the recipient's privacy.

[0038] Electronic tender documents: Transaction details in the blockchain ledger (bidder, guarantee amount, project number, start date, etc.).

[0039] Network node information: Nodes in a blockchain network are directly connected, so it is necessary to hide information such as the IP address of the node that publishes the message.

[0040] Inter-node traffic: The information flow between nodes in a blockchain network. Attackers can exploit node privacy by analyzing the current network traffic, therefore it is necessary to hide the inter-node traffic.

[0041] Specifically, in response to an account application request initiated by a bidder node, the system searches for all reachable paths from the bidder node to the exchange node and randomly selects one as the application path. Based on the list of available nodes, it determines the public keys of all nodes along the application path. The bidder node sequentially encrypts the application information N times using each node's public key to obtain an encrypted digital envelope, where N is the number of hops from the bidder node to the exchange node in the application path. The bidder node transmits the encrypted digital envelope to the exchange node based on the application path. During the transmission path, after each hop, the corresponding encrypted digital envelope receiving node decrypts the encrypted digital envelope using its own private key and transmits the decrypted encrypted digital envelope forward along the application path until the exchange node performs the Nth decryption to obtain the corresponding application information.

[0042] In one possible implementation, the initiating node s searches for a path to node t in the peer-to-peer network, such as... Figure 3 The diagram shows the route from node a1 to node b1 and from node t.

[0043] Assuming the message to be transmitted by the initiating end s is Msg_s, the initiating end encrypts the message N times in reverse order according to the public keys of the nodes in the available node list (N is the network hop count to reach the receiving end t). The initiating end encrypts the message according to the public keys published by the nodes along the transmission path to form nested digital envelopes. Figure 3 For example, if one of the reachable transmission paths is s-a1-b1-t, then the encryption result of the digital envelope is:

[0044] Sec_a1(Sec_b1(Sec_t(Msg_s)))

[0045] After processing the digital envelope, the initiating node s passes it to its neighboring node a1. In this network topology, only node a1 holds the private key for the current digital envelope. Therefore, node a1 can decrypt the digital envelope and obtain the message Sec_b1((Sec_t(Msg_s)), meaning the next-hop node is b1. Node a1 then forwards the current digital envelope to b1. This process continues until the envelope reaches the receiving node t.

[0046] In this embodiment of the invention, no node, network device, or monitoring device in the network can detect the initiator's message information and network information of the transaction.

[0047] Preferably, the method further includes: if a bidder node joins the transaction blockchain for the first time, querying the list of available nodes based on the publicly available permanent nodes in the transaction blockchain; adding the bidder node based on the list of available nodes, and synchronizing the updated list of available nodes to all nodes.

[0048] In a possible implementation, when the initiating node s joins the network for the first time, it can query the publicly available list of resident nodes for the current network's available nodes. Simultaneously, the resident nodes also add the initiating node s and update their local list of available nodes. Each trivial node maintains a local list of available nodes and exchanges the latest available nodes with its neighboring nodes. The list of available nodes includes the node's IP information, response time in milliseconds, and the node's public key.

[0049] Step S20: The exchange node grants trading permissions to the bidder node based on the application information, so that the bidder node can initiate a letter of guarantee confirmation application to the bank node based on the trading permissions.

[0050] Specifically, the exchange node verifies the validity of the application information and determines whether the identity information corresponding to the bidder node is compliant. If the validity verification is successful, the exchange node grants the bidder node trading permissions and distributes a one-time account to the bidder node. If the validity verification fails, the exchange node rejects the trading request initiated by the bidder node.

[0051] In this embodiment of the invention, besides the potential leakage of bidders' privacy information during network communication, the publicly available ledger information in blockchain transactions is also susceptible to leakage. While blockchain uses account public keys or transaction public keys as the transaction subject's address, this pseudonymity, though ensuring a certain degree of privacy, allows malicious analysts to identify the users behind pseudonymous accounts through historical ledger analysis and transaction sniffing. Therefore, its privacy is not entirely reliable.

[0052] In one possible implementation, to Figure 3 Taking the reachable link s-a1-b1-t as an example, bidder s will sequentially encrypt the bidding application information with its public key, forming an encrypted digital envelope (if the link becomes unreachable during operation, the bidder can recalculate the reachable link according to the timeout mechanism). The digital envelope is then handed over to a1, which uses its node private key to unseal it, obtaining the digital envelope b1, and then hands it over to b1. Similarly, b1 hands it over to t. After unsealing, t obtains the original application letter. Upon verification, the exchange account transfers blockchain permissions to this random account and uses homomorphic encryption to write bidder s's bidding proof in the first blockchain transaction. The bidder's blockchain account is one-time use; each time they participate in a new project, they need to apply for a new random account in this way, ensuring that the bidder's privacy information is untraceable in the blockchain ledger.

[0053] Step S30: The exchange node retrieves the confirmation result of the bank node for the guarantee confirmation application initiated by the bidder node, and executes the guarantee confirmation.

[0054] Specifically, the bank node decrypts the transaction message to obtain the complete guarantee and verifies whether the bidder node has the transaction permissions granted by the exchange node. If no such permissions are granted, the bidder node's transaction request is terminated. If such permissions are granted, the bidder's credit limit is further reviewed. If the credit limit review fails, the bidder node's transaction request is terminated. Otherwise, the bank node reviews the bidder's qualification and project information based on the complete guarantee, and generates a guarantee approval message after approval. The bank then attaches its digital signature to the guarantee approval message and transmits it to the exchange node.

[0055] In embodiments of the present invention, such as Figure 4 The bidding node applies for a guarantee based on homomorphic encryption. Homomorphic encryption means that the result of an operation on the ciphertext is the same as the result of an operation on the plaintext. This characteristic ensures that the bidder's privacy information is also kept secret from intermediaries such as banks or guarantors. A typical homomorphic encryption algorithm is mathematically expressed as follows:

[0056] C1 = Encrypt(m1, pk)

[0057] C2 = Encrypt(m2, pk)

[0058] C3 = Hom func (C1,C2,pk)

[0059] Decrypt(C3,sk) = func(m1,m2)

[0060] Where m1 and m2 are plaintext, C1 and C2 are ciphertext after homomorphic encryption, pk and sk are the public and private keys for homomorphic encryption, and func is the homomorphic operation function. It can be seen that the result of the operation on the ciphertext C1 and C2 is the same as the result of the operation on the plaintext m1 and m2 directly using func, which is the process of homomorphic encryption.

[0061] During the application process for a guarantee, the bidder publishes a blockchain transaction guarantee application on the blockchain. The message mainly includes the bid amount C1 and the margin ratio C2, encrypted using a homomorphic public key, as well as the guarantee application information D1, encrypted using an asymmetric public key. When the bank receives the guarantee application, it decrypts D1 using the bank's private key, reads the bidder's qualification information, and issues the guarantee after credit review. The guarantee amount C3 is publicly disclosed, along with the guarantee text and the guarantee issuance result, encrypted with the exchange's public key and featuring an electronic signature.

[0062] In one possible implementation, the bidder fills out the guarantee application details as required by the agreement, including the bid amount and margin ratio encrypted using a homomorphic public key, which are then written into the public transaction details. After constructing a valid transaction message, the transaction authority is granted to the bank node. The bank node decrypts the relevant information and verifies whether the transaction authority originated from an exchange (i.e., the process of the bidder applying for a blockchain account) and examines the bidder's credit limit.

[0063] Step S40: Publish the bidding transaction results based on the confirmation of the guarantee.

[0064] Specifically, the exchange node adds a bid announcement transaction block to publish the bidding results; the bank node adds a guarantee announcement transaction block to publish the guarantee information; the trader node adds a confirmation signing transaction block to publish the bidding application message; the method further includes: verifying the legality of the transaction in the transaction blockchain based on the bidding results, the guarantee information, and the bidding application message.

[0065] In this embodiment of the invention, the exchange adds a bid announcement transaction block to disclose the bidding results of the transaction chain, the bank adds a guarantee announcement transaction block to publish the guarantee information, and the bidder adds a confirmation and signing transaction block to publish the bid application message. Anyone can verify the legality of the guarantee process based on the transaction chain.

[0066] Preferably, the step of publicizing the bidding transaction results based on the guarantee confirmation result further includes: constructing the transaction process initiated by the bidder node based on a unidirectional linked list to obtain a transaction chain; if the bidder node fails to add a confirmation and signing transaction block within the time limit specified in the bidding party's formula at the last node of the transaction chain, the bidding party adds a claim transaction block based on the transaction node; the bank node responds to the claim transaction block by performing a legality verification on the transaction chain, and pays compensation based on the claim transaction block after the verification is passed.

[0067] In this embodiment of the invention, all transactions are sequentially organized into a transaction chain for that bidding process using a singly linked list. The last node of the transaction chain represents the confirmation and signing transaction block added by the bidding party. If the bidding party fails to publish the confirmation and signing transaction block on time, the tendering party can add a claim transaction block. The bank node verifies the legality of the transaction chain based on the public key published by the exchange and the bidding application message before paying compensation (this can also be implemented using a smart contract).

[0068] Figure 2 This is a flowchart illustrating a blockchain-based electronic guarantee transaction method in one embodiment. It should be understood that, although... Figure 2 The steps in the flowchart are shown sequentially as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order in which these steps are executed, and they can be performed in other orders. Figure 2 At least some of the steps in the process may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be executed in turn or alternately with other steps or at least some of the sub-steps or stages of other steps.

[0069] In one embodiment, such as Figure 5 As shown, a blockchain-based electronic guarantee transaction system is provided. The system is applied to a pre-built transaction blockchain, which includes exchange nodes, bidder nodes, bank nodes, publicly resident nodes, and other ordinary nodes. The system includes:

[0070] The account application unit is used to respond to the account application request initiated by the bidder node. The exchange node recovers and decrypts the application information sent by the bidder node based on the searched reachable links and hop by hop. The hop by hop decryption means that in the reachable links, the encrypted digital envelope containing the application information needs to be desealed once between every two adjacent nodes.

[0071] Specifically, in response to an account application request initiated by a bidder node, the system searches for all reachable paths from the bidder node to the exchange node and randomly selects one as the application path. Based on the list of available nodes, it determines the public keys of all nodes along the application path. The bidder node sequentially encrypts the application information N times using each node's public key to obtain an encrypted digital envelope, where N is the number of hops from the bidder node to the exchange node in the application path. The bidder node transmits the encrypted digital envelope to the exchange node based on the application path. During the transmission path, after each hop, the corresponding encrypted digital envelope receiving node decrypts the encrypted digital envelope using its own private key and transmits the decrypted encrypted digital envelope forward along the application path until the exchange node performs the Nth decryption to obtain the corresponding application information.

[0072] The transaction application unit is used by the exchange node to grant transaction permissions to the bidder node based on the application information, so that the bidder node can initiate a letter of guarantee confirmation application to the bank node based on the transaction permissions.

[0073] Specifically, the exchange node verifies the validity of the application information and determines whether the identity information corresponding to the bidder node is compliant. If the validity verification is successful, the exchange node grants the bidder node trading permissions and distributes a one-time account to the bidder node. If the validity verification fails, the exchange node rejects the trading request initiated by the bidder node.

[0074] In this embodiment of the invention, besides the potential leakage of bidders' privacy information during network communication, the publicly available ledger information in blockchain transactions is also susceptible to leakage. While blockchain uses account public keys or transaction public keys as the transaction subject's address, this pseudonymity, though ensuring a certain degree of privacy, allows malicious analysts to identify the users behind pseudonymous accounts through historical ledger analysis and transaction sniffing. Therefore, its privacy is not entirely reliable.

[0075] The guarantee confirmation unit is used by the exchange node to retrieve the confirmation results of the bank node for the guarantee confirmation application initiated by the bidder node, and to execute the guarantee confirmation.

[0076] Specifically, the bank node decrypts the transaction message to obtain the complete guarantee and verifies whether the bidder node has the transaction permissions granted by the exchange node. If no such permissions are granted, the bidder node's transaction request is terminated. If such permissions are granted, the bidder's credit limit is further reviewed. If the credit limit review fails, the bidder node's transaction request is terminated. Otherwise, the bank node reviews the bidder's qualification and project information based on the complete guarantee, and generates a guarantee approval message after approval. The bank then attaches its digital signature to the guarantee approval message and transmits it to the exchange node.

[0077] The public announcement unit is used to publicize the bidding transaction results based on the confirmation results of the guarantee.

[0078] Specifically, the exchange node adds a bid announcement transaction block to publish the bidding results; the bank node adds a guarantee announcement transaction block to publish the guarantee information; the trader node adds a confirmation signing transaction block to publish the bidding application message; the method further includes: verifying the legality of the transaction in the transaction blockchain based on the bidding results, the guarantee information, and the bidding application message.

[0079] In this embodiment of the invention, the exchange adds a bid announcement transaction block to disclose the bidding results of the transaction chain, the bank adds a guarantee announcement transaction block to publish the guarantee information, and the bidder adds a confirmation and signing transaction block to publish the bid application message. Anyone can verify the legality of the guarantee process based on the transaction chain.

[0080] Preferably, the step of publicizing the bidding transaction results based on the guarantee confirmation result further includes: constructing the transaction process initiated by the bidder node based on a unidirectional linked list to obtain a transaction chain; if the bidder node fails to add a confirmation and signing transaction block within the time limit specified in the bidding party's formula at the last node of the transaction chain, the bidding party adds a claim transaction block based on the transaction node; the bank node responds to the claim transaction block by performing a legality verification on the transaction chain, and pays compensation based on the claim transaction block after the verification is passed.

[0081] In this embodiment of the invention, all transactions are sequentially organized into a transaction chain for that bidding process using a singly linked list. The last node of the transaction chain represents the confirmation and signing transaction block added by the bidding party. If the bidding party fails to publish the confirmation and signing transaction block on time, the tendering party can add a claim transaction block. The bank node verifies the legality of the transaction chain based on the public key published by the exchange and the bidding application message before paying compensation (this can also be implemented using a smart contract).

[0082] The processor contains a kernel, which retrieves the corresponding program unit from memory. One or more kernels can be configured, and adjusting kernel parameters enables blockchain-based electronic guarantee transaction methods.

[0083] The memory may include non-permanent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0084] This application provides a storage medium storing a program that, when executed by a processor, implements the aforementioned blockchain-based electronic guarantee transaction method.

[0085] This application provides a processor for running a program, wherein the program executes the above-described blockchain-based electronic guarantee transaction method.

[0086] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 6 As shown, the computer device includes a processor A01, a network interface A02, memory (not shown), and a database (not shown) connected via a system bus. The processor A01 provides computing and control capabilities. The memory includes internal memory A03 and a non-volatile storage medium A04. The non-volatile storage medium A04 stores an operating system B01, a computer program B02, and a database (not shown). The internal memory A03 provides an environment for the operation of the operating system B01 and the computer program B02 stored in the non-volatile storage medium A04. The network interface A02 is used for communication with external terminals via a network connection. When the computer program B02 is executed by the processor A01, it implements a blockchain-based electronic guarantee transaction method.

[0087] Those skilled in the art will understand that Figure 6 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0088] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0089] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0090] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0091] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0092] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0093] Memory may include non-persistent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, like read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0094] Computer-readable media include both permanent and non-permanent, removable and non-removable media, which can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0095] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0096] The above are merely embodiments of this application and are not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.

Claims

1. A blockchain-based electronic performance bond transaction method, characterized by, The method is applied to a pre-constructed transaction blockchain, the transaction blockchain including an exchange node, a bidder node, a bank node, a public permanent node and other common nodes, and the method comprises: In response to an account application request initiated by the bidder node, the exchange node recovers and hop-by-hop decrypts application information sent by the bidder node based on a searched reachable link; wherein, The hop-by-hop decryption is that an encrypted digital envelope containing the application information needs to be unsealed once between every two adjacent nodes in the reachable link; The exchange node issues a transaction right for the bidder node based on the application information, so that the bidder node initiates a letter of guarantee confirmation application to the bank node based on the transaction right; The exchange node recovers a confirmation result of the letter of guarantee confirmation application initiated by the bank node to the bidder node and performs letter of guarantee confirmation; The bidding transaction result is publicized based on the letter of guarantee confirmation result.

2. The method of claim 1, wherein, The method further comprises: If the bidder node initially joins the transaction blockchain, a list of available nodes is inquired based on the public permanent node in the transaction blockchain; The bidder node is added based on the list of available nodes, and the updated list of available nodes is synchronized to all nodes.

3. The method of claim 1, wherein, The exchange node recovers and hop-by-hop decrypts the application information sent by the bidder node based on a searched reachable link, comprising: In response to an account application request initiated by the bidder node, all reachable paths from the bidder node to the exchange node are searched, and a reachable path is randomly specified as an application path; The node public key of each node in the application path is determined based on the list of available nodes; The bidder node sequentially encrypts the application information N times based on the node public key of each node to obtain an encrypted digital envelope, N being the number of hops from the bidder node to the exchange node in the application path; The bidder node transmits the encrypted digital envelope to the exchange node based on the application path, and in the transmission path, the corresponding encrypted digital envelope receiving node performs an encrypted digital envelope decryption based on its private key after each hop transmission, and the decrypted encrypted digital envelope is transmitted backward based on the application path until the exchange node performs the Nth decryption to obtain the corresponding application information.

4. The method of claim 1, wherein, The exchange node issues a transaction right for the bidder node based on the application information, comprising: The exchange node verifies the validity of the application information to determine whether the identity information corresponding to the bidder node is compliant; If the validity verification is passed, the exchange node issues a transaction right for the bidder node and distributes a one-time account to the bidder node; If the validity verification is not passed, the exchange node rejects the transaction request initiated by the bidder node.

5. The method of claim 4, wherein, The bidder node initiates a letter of guarantee confirmation application to the bank node based on the transaction right, comprising: The bidder node obtains a bid agreement letter of guarantee based on the one-time account and pushes the bid agreement letter of guarantee to a user end, and recovers filled information based on the user end; Homomorphic encryption is performed on the bid amount and the margin ratio in the filled information; Based on the filled information and the homomorphic encrypted information, a transaction message is generated, and the transaction message is transmitted to a bank node to initiate a guarantee confirmation application.

6. The method of claim 5, wherein, The exchange node recovers the confirmation result of the guarantee confirmation application initiated by the bidder node to the bank node, and performs guarantee confirmation, including: The bank node decrypts the transaction message to obtain a complete guarantee, and audits whether the bidder node has transaction authority opened by the exchange node; If there is no transaction authority opened by the exchange node, the transaction request of the bidder node is terminated; If there is transaction authority opened by the exchange node, the credit limit of the bidder is further audited; If the credit limit audit fails, the transaction request of the bidder node is terminated; otherwise, The qualification information and project information of the bidder are audited based on the complete guarantee, and a guarantee pass message is generated after the audit passes, and the bank digital signature is attached to the guarantee pass message and then transmitted to the exchange node.

7. The method of claim 1, wherein, The bidding transaction result publicity based on the guarantee confirmation result includes: The exchange node appends a bidding publicity transaction block for publishing the bidding result; The bank node appends a guarantee publicity transaction block for publishing the guarantee information; The bidder node appends a confirmation and signing transaction block for publishing the bidding application message; The method further includes: Based on the bidding result, the guarantee information and the bidding application message, the legality of the transaction in the transaction blockchain is verified.

8. The method of claim 7, wherein, The bidding transaction result publicity based on the guarantee confirmation result further includes: Based on a one-way linked list, the transaction process initiated by the bidder node is obtained, and a transaction chain is obtained; At the last node of the transaction chain, if the bidder node does not append a confirmation and signing transaction block according to the time limit of the bidding party formula, the bidding party appends a claim transaction block based on the exchange node; The bank node responds to the claim transaction block, performs legality verification on the transaction chain, and pays compensation based on the claim transaction block after the verification is passed.

9. A blockchain-based electronic bond transaction system, characterized by, The system is applied to a pre-constructed transaction blockchain, which includes an exchange node, a bidder node, a bank node, a public resident node and other general nodes, and the system includes: An account application unit is configured to respond to an account application request initiated by a bidder node, and the exchange node recovers and decrypts the application information sent by the bidder node based on the searched reachable link hop by hop; wherein, The hop-by-hop decryption is to perform encryption envelope unsealing containing the application information between every two adjacent nodes in the reachable link; A transaction application unit is configured to issue transaction authority to the bidder node based on the application information, so that the bidder node initiates a guarantee confirmation application to the bank node based on the transaction authority; A guarantee confirmation unit is configured to recover the confirmation result of the guarantee confirmation application initiated by the bidder node to the bank node, and perform guarantee confirmation; A publicity unit is configured to perform bidding transaction result publicity based on the guarantee confirmation result.

10. A processor, comprising: A blockchain-based electronic guarantee transaction method is configured to perform the method according to any one of claims 1 to 8.

11. A machine-readable storage medium having instructions stored thereon, the instructions comprising: The instructions, when executed by a processor, cause the processor to be configured to perform the blockchain-based electronic performance bond transaction method according to any one of claims 1 to 8.

12. A computer program product comprising a computer program, characterized in that, The computer program, when executed by a processor, implements the blockchain-based electronic performance bond transaction method according to any one of claims 1 to 8.

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