High-performance micro-payment implementation method based on zero-knowledge proof

Abstract

The invention relates to the technical field of financial science and technology, and discloses a zero-knowledge-proof-based high-performance micro-payment implementation method, which comprises the following steps: step 1, when a payment sender opens a payment channel of a zero-knowledge-proof block chain, matching and opening a payment agent; according to the high-performance micro-payment implementation method based on zero-knowledge proof, payment channels of payment senders are matched on a zero-knowledge proof block chain, the channels are opened, and payment agents are opened, so that each payment sender has one corresponding payment agent, a real decentralized structure is realized, and the implementation efficiency is improved. According to the method, collusion cheating behaviors possibly existing in a traditional centralized system are avoided, transparency and fairness of the payment process are ensured, meanwhile, after a payment channel is established, a payment sender can conduct transactions to any multiple payment receivers through the channel, the payment cost of a user is greatly reduced, and the payment efficiency is improved. And the total number of payment channels required to be opened is obviously reduced.

Description

Technical Field

[0001] The present invention relates to the technical field of financial technology, and specifically to a high-performance micropayment implementation method based on zero-knowledge proof. Background Art

[0002] At present, with the rapid development of blockchain technology and decentralized networks, the demand for decentralized applications and micropayment systems is increasing. The main goal of decentralized payment systems is to provide users with safe and efficient payment services without relying on third-party institutions. However, the existing decentralized payment systems have some key problems, including limited transaction processing speed, high costs, insufficient privacy protection, etc. In addition, the existing payment systems are insufficient in terms of transaction privacy. Users' payment information is easily tracked and leaked, and cannot meet users' high standards for privacy protection. These problems restrict the large-scale application of micropayment systems.

[0003] Traditional decentralized payment systems rely on a network-wide consensus mechanism for transaction confirmation. In payment channel technology, a separate payment channel needs to be opened between each payment pair. The payer needs to open a payment channel for each payee, pay for occupying on-chain resources, and lock a portion of assets for each channel, further reducing asset utilization and increasing payment costs, resulting in lower transaction throughput and higher handling fees. In addition, the current payment channel technology solution can only be settled on the chain when the payment channel is closed or one party exits. Therefore, the recipient either delays closing the channel for a long time or closes the channel in advance to obtain settlement. The former will cause a delay in revenue, and the latter will cause a sharp increase in payment costs. In addition, the separate opening of payment channels and the switching of a large number of payment channels require limited on-chain resources, and a single payment channel can only serve one pair of payments, so the overall performance is limited.

[0004] In response to the above problems, it is urgent to carry out innovative designs based on the original micropayment system technology. Summary of the invention

[0005] The purpose of the present invention is to provide a high-performance micropayment implementation method based on zero-knowledge proof, so as to solve the problem proposed in the above background technology that since each payment pair needs to open a payment channel separately, the payer needs to open a payment channel for each payee, needs to pay fees for occupying on-chain resources, and needs to lock a portion of assets for each channel, resulting in lower transaction throughput and higher handling fees. In addition, with the opening and closing of a huge number of payment channels, limited on-chain resources need to be consumed, resulting in channel expansion and delayed benefits.

[0006] To achieve the above purpose, the present invention provides the following technical solution: a high-performance micropayment implementation method based on zero-knowledge proof, comprising the following steps: Step 1: When the payment sender opens the payment channel of the zero-knowledge proof blockchain, the payment agent is matched and enabled; Step 2: The payment sender withdraws the assets from the zero-knowledge proof blockchain; Step 3: The payment sender deposits a portion of the withdrawn assets into the payment agent; Step 4: The payment sender initiates a micropayment to the payment receiver and generates a payment receipt; Step 5: The payment receiver submits and verifies the validity of the payment note and the balance certificate of the payment sender at the payment agent through the payment settlement terminal; Step 6: The payment settlement end confirms the payment note data of the micropayment and connects to the zero-knowledge proof blockchain for settlement.

[0007] By adopting the above technical solution, a payer can perform payment actions to any number of recipients through an agent.

[0008] Preferably, the payment channel opened on the zero-knowledge proof blockchain opens a payment agent for the payment recipient.

[0009] The above technical solutions are adopted to realize a truly decentralized structure, avoiding the collusion and cheating behaviors that may exist in the traditional centralized system and ensuring the transparency and fairness of the payment process.

[0010] Preferably, the zero-knowledge proof blockchain receives changes in the payment recipient's account status and related payment evidence, and the payment recipient obtains corresponding payment benefits.

[0011] The adoption of the above technical solution avoids the stagnation of the asset and fund information of the payment sender and speeds up the settlement and realization.

[0012] Preferably, the payment evidences of the payment sender and the payment receiver are both submitted to the blockchain of zero-knowledge proof for record.

[0013] By adopting the above technical solution, micropayments between payment senders and payment receivers are recorded on the regional chain.

[0014] Preferably, the payment receiver links the payment channel of the blockchain with zero-knowledge proof to verify the asset balance of the payment sender.

[0015] The above technical solution is used to verify the asset balance of the payment sender, thereby ensuring the legitimacy and validity of each off-chain micropayment.

[0016] Preferably, the payment agent regularly performs off-chain settlement of all payment recipients' bills locally.

[0017] By adopting the above technical solution, a payer can perform payment actions to any number of recipients through an agent.

[0018] Preferably, the payment recipient periodically reads the results of off-chain settlement from the payment agent and initiates on-chain settlement to the blockchain of zero-knowledge proof.

[0019] The above technical solution enables the payment agent to verify the validity of the payment under the regional chain.

[0020] Preferably, when the payment settlement end performs micropayment settlement for the payment recipient, the payment agent is used to verify the validity of the payment note.

[0021] The above technical solution enables the payment recipient to provide effective verification of the payment note of micropayment and reduce the cost.

[0022] Preferably, when the payment settlement end is a payment agent, the payment recipient submits the micropayment note received from the payment sender to the payment agent.

[0023] The above technical solution is adopted to provide a deformable settlement solution for payment agents and reduce the resource requirements of payment recipients.

[0024] Preferably, when the payment settlement terminal is a payment agent, the payment agent periodically connects to the zero-knowledge proof regional chain to settle the payment bill of the payment sender.

[0025] By adopting the above technical solution and using the settlement method of the payment agent, the payment recipient does not need to track the block information of the chain.

[0026] Compared with the prior art, the beneficial effects of the present invention are: the high-performance micropayment implementation method based on zero-knowledge proof: 1. By matching the payment channel of the payment sender on the zero-knowledge proof blockchain, opening the channel and starting the payment agent, each payment sender has a corresponding payment agent, thus realizing a truly decentralized structure, avoiding the collusion and cheating that may exist in the traditional centralized system, and ensuring the transparency and fairness of the payment process. At the same time, after the payment channel is established, the payment sender can trade with any number of payment recipients through the channel, significantly reducing the total number of payment channels that need to be opened; 2. After the payment agent is activated, accurate information is provided for the validity of payment notes and payment verification, thereby supporting any number of point-to-point micropayment transactions between payment senders and different payment recipients off-chain. Since the payment agent is activated, micropayments and corresponding verification actions are performed off-chain, the cost of each payment is controlled, which greatly reduces the payment cost of users and improves the economy of the system; 3. Since the payment recipient can verify the payer's balance through the payment channel from time to time, the legitimacy and validity of each off-chain micropayment can be ensured. Through this verification mechanism, the payment sender is prevented from insufficient funds or fraud during the payment process, and the integrity of the transaction is guaranteed. At the same time, the payment recipient is allowed to submit account status changes and related payment evidence to the blockchain at any time to obtain corresponding payment income. Through this instant cash-out mechanism, the recipient can flexibly choose the settlement time to avoid fund retention and settlement delays. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 This is a schematic diagram of the main process of the micropayment implementation method of the present invention; Figure 2 A schematic diagram of the payment recipient verification and settlement process in the micro-payment implementation method of the present invention; Figure 3 A schematic diagram of the payment agent timed settlement process in the micro-payment implementation method of the present invention; Figure 4 A schematic diagram of the process of settlement between a same payer and multiple payment recipients according to the present invention; Figure 5 It is a schematic diagram of the process of multiple payers settling accounts with one receiver under the same payment agent of the present invention; Figure 6 The figure is a schematic diagram of the settlement process of multiple payers to one recipient under different payment agents of the present invention. DETAILED DESCRIPTION

[0028] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0029] See also Figure 1-Figure 6 The present invention provides five embodiments and technical solutions: Example 1 In this embodiment, a high-performance micropayment implementation method based on zero-knowledge proof is disclosed, comprising the following steps: Step 1: When the payment sender opens the payment channel of the zero-knowledge proof blockchain, the payment agent is matched and enabled; Step 2: The payment sender withdraws the assets from the zero-knowledge proof blockchain; Step 3: The payment sender deposits a portion of the withdrawn assets into the payment agent; Step 4: The payment sender initiates a micropayment to the payment receiver and generates a payment receipt; Step 5: The payment receiver verifies the validity of the payment note and the balance certificate of the payment sender at the payment agent with the payment agent; Step 6: The payment recipient connects to the zero-knowledge proof blockchain for settlement; In conjunction with the accompanying drawings Figure 2 As shown, after the payment sender opens the payment channel of the zero-knowledge proof blockchain, the corresponding payment agent is generated. After the payment sender extracts assets and divides the assets, part of the funds are deposited in the payment agent. At this time, the payment agent obtains the asset data of the payment sender and the internally deposited balance data, and receives the micropayment bill of the payment sender through the payment receiver. The payment receiver initiates the on-chain settlement to the zero-knowledge proof blockchain. When the payment receiver settles the payment bill of the payment sender, the payment agent is used to verify the validity of the payment bill and deduct the asset balance of the payment sender's payment behavior, thereby updating the balance value in the payment agent. In order to ensure the legitimacy and validity of the micropayment behavior of the payment receiver receiving the payment sender's regional chain, the payment receiver then submits the updated status and the corresponding zero-knowledge proof evidence to the main network at regular intervals to obtain the corresponding payment result; Example 2 This embodiment is based on steps 1 to 4 of embodiment 1, and generates an alternative implementation scheme of deformation generation in step 5, which includes the following steps: Step 1: When the payment sender opens the payment channel of the zero-knowledge proof blockchain, the payment agent is matched and enabled; Step 2: The payment sender withdraws the assets from the zero-knowledge proof blockchain; Step 3: The payment sender deposits a portion of the withdrawn assets into the payment agent; Step 4: The payment sender initiates a micropayment to the payment receiver and generates a payment receipt; Step 5: The payment recipient submits the payment note to the payment agent; Step 6: The payment agent collects payment notes and regularly connects to the zero-knowledge proof blockchain for settlement; In conjunction with the accompanying drawings Figure 3 As shown, after the payment sender opens the payment channel of the zero-knowledge proof blockchain, the corresponding payment agent is generated. After the payment sender extracts assets and divides the assets, part of the funds are deposited into the payment agent. At this time, the payment agent obtains the asset data of the payment sender and the internally deposited balance data, and receives the micropayment bill of the payment sender through the payment receiver. After that, the payment receiver submits the payment bill to the payment agent, and the payment agent regularly connects to the zero-knowledge proof regional chain to settle the payment bill of the payment sender. In this variant, the payment recipient does not settle directly on the chain, but submits the payment note to the payment agent, which performs regular settlement. In this scheme, the payment recipient does not need to track the block information of the chain, but since the recipient does not need to interact with the chain, the recipient's resource requirements can be reduced; Example 3 In this embodiment, a method for implementing micropayments made by a payment sender to multiple payment recipients is publicly presented, including the following steps: Step 1: When the payment sender opens the payment channel of the zero-knowledge proof blockchain, the payment agent is matched and enabled; Step 2: The payment sender withdraws the assets from the zero-knowledge proof blockchain; Step 3: The payment sender deposits a portion of the withdrawn assets into the payment agent; Step 4: The payment sender initiates a micropayment to payment receiver 1 and payment receiver 2 to generate a payment receipt; Step 5: Payment receiver 1 and payment receiver 2 respectively verify the validity of the payment note and the balance certificate of the payment sender at the payment agent with the payment agent; Step 6: Payment recipient 1 and payment recipient 2 connect to the zero-knowledge proof blockchain for settlement; In conjunction with the accompanying drawings Figure 4 As shown, after the payment sender opens the payment channel of the zero-knowledge proof blockchain, a corresponding payment agent is generated. After the payment sender withdraws assets and divides the assets, part of the funds are deposited into the payment agent. At this time, the payment agent obtains the asset data of the payment sender and the balance data deposited internally; Payment recipient 1 and payment recipient 2 receive the micropayment generated by the payment sender. As payment recipient 1 and payment recipient 2 are connected to the payment agent, the validity of the micropayment payment note is verified and confirmed. Payment recipient 1 and payment recipient 2 initiate on-chain settlement to the zero-knowledge proof blockchain separately. After that, the payment agent deducts the asset balance of the payment sender's payment behavior according to the payment note, thereby updating the balance value in the payment agent. Payment recipient 1 and payment recipient 2 submit the updated status and the corresponding zero-knowledge proof evidence to the main network at a regular interval to obtain the corresponding payment result; Example 4 In this embodiment, a method for implementing micropayments made by multiple payers under the same payment agent to one receiver is publicly presented, including the following steps: Step 1: When payment sender 1 or payment sender 2 opens a payment channel on the zero-knowledge proof blockchain, match and open the payment agent; Step 2: Payment sender 1 and payment sender 2 synchronously extract assets from the zero-knowledge proof blockchain; Step 3: Payment Sender 1 and Payment Sender 2 deposit a portion of the withdrawn assets into the payment agent; Step 4: Payment sender 1 and payment sender 2 initiate a micropayment to the payment receiver to generate a payment receipt; Step 5: The payment receiver verifies the validity of the two payment notes from payment sender 1 and payment sender 2, as well as the balance certificates of payment sender 1 and payment sender 2 at the payment agent. Step 6: The payment recipient connects to the zero-knowledge proof blockchain for settlement; In conjunction with the accompanying drawings Figure 5 As shown, by opening the payment channel of the zero-knowledge proof blockchain, a corresponding payment agent is generated. After the payment receiver 1 and the payment sender 2 respectively extract assets and divide the assets, part of the funds are deposited into the payment agent. At this time, the payment agent obtains the asset data of the payment sender 1 and the payment sender 2 and the internally deposited balance data; The payment recipient receives the payment note initiated by payment sender 1 and payment sender 2, and with the data connection to the payment agent, verifies and confirms the validity of the payment note of the micropayment initiated by payment sender 1 and payment sender 2. Finally, the payment recipient initiates the on-chain settlement to the zero-knowledge proof blockchain. After that, the payment agent deducts the asset balance of the payment behavior of payment sender 1 and payment sender 2 according to the payment note, thereby updating the balance value in the payment agent. The payment recipient submits the updated status and the corresponding zero-knowledge proof evidence to the main network at a regular interval to obtain the corresponding payment result; Example 5 In this embodiment, a method for implementing micropayment by multiple payers under different payment agents to one receiver is disclosed, including the following steps: Step 1: When payment sender 1 opens a payment channel on the blockchain with zero-knowledge proof, payment agent 1 is matched and opened. At the same time, when payment sender 2 opens a payment channel on the blockchain with zero-knowledge proof, payment agent 2 is matched and opened. Step 2: Payment sender 1 and payment sender 2 extract assets from the zero-knowledge proof blockchain; Step 3: Payment sender 1 deposits part of the withdrawn assets into payment agent 1, and payment sender 2 deposits part of the withdrawn assets into payment agent 2; Step 4: Payment sender 1 and payment sender 2 initiate a micropayment to the payment receiver to generate a payment receipt; Step 5: The payment receiver verifies the payment note of payment sender 1 to payment agent 1, and verifies the payment note of payment sender 2 to payment agent 2; Step 6: The payment recipient connects to the zero-knowledge proof blockchain for settlement; In conjunction with the accompanying drawings Figure 6 As shown, after payment sender 1 and payment sender 2 open the payment channel of the blockchain with zero-knowledge proof, the corresponding payment agent 1 and payment agent 2 are generated, as shown in Figure 6 As shown, after the payment sender 1 and the payment sender 2 withdraw assets and split the assets, the payment sender 1 deposits part of the funds into the payment agent 1, and the payment sender 2 deposits part of the funds into the payment agent 2. At this time, the payment agent 1 and the payment agent 2 obtain the asset data of the payment sender 1 and the payment sender 2 and the internally deposited balance data respectively; The payment recipient receives the payment notes initiated by payment sender 1 and payment sender 2. As the payment recipient's data connects to payment agent 1 and payment agent 2 to verify the validity of the payment notes, the payment recipient initiates on-chain settlement to the zero-knowledge proof blockchain, and then deducts the corresponding asset balance amount from the micropayment behavior of payment sender 1 and payment sender 2, thereby updating the balance value in the payment agent. The payment recipient submits the updated status and the corresponding zero-knowledge proof evidence to the main network at a regular interval to obtain the corresponding payment result; Through the payment proxy technology, a payment sender can perform payment actions to any number of payment recipients through the payment proxy: after the payment channel is established, the payment sender can perform payment transactions to any number of recipients through the channel. In this way, the present invention significantly reduces the total number of payment channels that need to be opened, from the traditional The number is greatly reduced to ⋜N, where N is the payer and M is the number of recipients, which optimizes resource utilization and improves the scalability of the system, solves the problem of payment channel expansion in the existing technology, and verifies the validity of the payment off-chain through the payment agent, thereby reducing the demand for on-chain resources, reducing costs and improving TPS performance; The present invention does not need to close the payment channel during the payment process, and the payment recipient can settle all the benefits on the chain, thereby avoiding the delay and additional costs caused by opening and closing the payment channel. Compared with the existing one-to-one payment channel technology, the present invention provides a more low-cost and low-latency micropayment solution, greatly reducing the cost of each payment and improving the TPS performance of the entire network payment; In summary, the present invention provides a method for realizing high-performance micropayments in a decentralized system through payment proxy and off-chain verification. The invention has significant advantages in reducing payment costs and improving the payment capabilities of the entire network. Compared with the prior art, the present invention not only solves the privacy and security issues in decentralized payments, but also can reduce the cost of each payment and improve the payment performance of the entire network.

[0030] While the embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that many changes, modifications, substitutions and variations can be made to the embodiments without departing from the principles and spirit of the invention.

Claims

1. A high-performance micropayment implementation method based on zero-knowledge proof, characterized in that: The following steps are involved: Step 1: When the payment sender opens the payment channel of the zero-knowledge proof blockchain, the payment agent is matched and enabled; Step 2: The payment sender withdraws the assets from the zero-knowledge proof blockchain; Step 3: The payment sender deposits a portion of the withdrawn assets into the payment agent; Step 4: The payment sender initiates a micropayment to the payment receiver and generates a payment receipt; Step 5: The payment receiver submits and verifies the validity of the payment note and the balance certificate of the payment sender at the payment agent through the payment settlement terminal; Step 6: The payment settlement end confirms the payment note data of the micropayment and connects to the zero-knowledge proof blockchain for settlement.

2. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 1, characterized in that: The payment channel opened on the zero-knowledge proof blockchain opens a payment agent for the payment recipient.

3. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 1, characterized in that: The zero-knowledge proof blockchain receives the payment recipient's account status changes and related payment evidence, and the payment recipient obtains the corresponding payment income.

4. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 1, characterized in that: The payment evidences of the payment sender and the payment receiver are both submitted to the zero-knowledge proof blockchain for record.

5. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 1, characterized in that: The payment receiver links the payment channel of the blockchain with zero-knowledge proof to verify the asset balance of the payment sender.

6. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 1, characterized in that: The payment agent regularly performs off-chain settlement of all payment recipients' bills locally.

7. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 1, characterized in that: The payment recipient periodically reads the results of the off-chain settlement from the payment agent and initiates on-chain settlement to the zero-knowledge proof blockchain.

8. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 7, characterized in that: When the payment settlement end performs micropayment settlement for the payment recipient, the payment agent is used to verify the validity of the payment note.

9. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 1, characterized in that: When the payment settlement end is a payment agent, the payment recipient submits the micropayment note received from the payment sender to the payment agent.

10. A high-performance micropayment implementation method based on zero-knowledge proof according to claim 9, characterized in that: When the payment settlement end is a payment agent, the payment agent periodically connects to the zero-knowledge proof area chain to settle the payment note of the payment sender.

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