A blockchain-based property management fee payment and management system

Abstract

The present invention relates to the technical field of property fee management, and specifically discloses a property fee payment and management system based on blockchain, including: a heterogeneous multi-chain collaboration layer, which is used to realize layered data governance and policy compliance through encryption algorithm driving; a smart contract execution layer, which is used to drive business logic automation through smart contracts based on blockchain; a cross-chain interactive terminal layer, which is used to realize data interaction of multi-terminal service programs by adopting biometric fusion algorithm and quantum security protocol; the present invention realizes efficient collaboration of supervision chain, transaction chain and privacy chain through heterogeneous multi-chain collaboration layer, ensures data governance and compliance, and at the same time, optimizes consensus mechanism and sharding storage technology to improve system efficiency and reliability; introduces smart contracts such as dynamic billing contracts, multi-signature split-account contracts and credit derivative contracts, automatically processes fee settlement, fund splitting and credit scoring, and improves the flexibility and accuracy of billing rules.

Description

Technical Field

[0001] The present invention belongs to the technical field of property fee management, and specifically relates to a property fee payment and management system based on blockchain. Background Art

[0002] With the continuous development of information technology and blockchain technology, blockchain-based property management systems have gradually become an integral part of modern smart city management. Blockchain-based property management systems not only ensure the real-time and secure payment of property fees, but also enable the automated execution of smart contracts, improving property management efficiency and reducing management costs.

[0003] However, existing blockchain-based property management systems have significant shortcomings in handling multi-chain collaboration and automated management, particularly in the automated execution capabilities of smart contracts. While smart contracts offer automated execution capabilities in property management, they still face significant limitations when handling complex business scenarios. Fee settlement in traditional property management processes often relies on manual intervention, a model that is both inefficient and error-prone. While blockchain technology introduces smart contracts to automate certain processes, existing smart contracts lack sufficient flexibility and automation capabilities for dynamic billing, account splitting, and handling exceptions. For example, property fee settlement involves multiple steps, including property fees, maintenance fees, and utility usage fees. Fee calculation standards can change over time and for different services. Existing smart contracts often struggle to handle these complex dynamics, requiring manual intervention.

[0004] Therefore, it is necessary to propose a property fee payment and management system based on blockchain to solve the problem of insufficient automated execution capabilities of smart contracts in property management systems in the existing technology.

[0005] The above information disclosed in this background technology is only for enhancing understanding of the background technology of the present invention and therefore it may contain information that does not constitute the prior art that is already known to a person of ordinary skill in the art. Summary of the Invention

[0006] The purpose of the present invention is to provide a property fee payment and management system based on blockchain to solve the problems raised in the above background technology.

[0007] To achieve the above object, the present invention provides the following technical solutions:

[0008] A blockchain-based property fee payment and management system, including:

[0009] A heterogeneous multi-chain collaboration layer, used to achieve hierarchical data governance and policy compliance driven by encryption algorithms;

[0010] Smart contract execution layer, used to drive business logic automation through blockchain-based smart contracts;

[0011] The cross-chain interactive terminal layer is used to implement data interaction between multi-terminal service programs using biometric fusion algorithms and quantum security protocols;

[0012] The security and expansion layer is used to achieve full-stack secure operation of the system through multiple security assurance methods.

[0013] Preferably, the heterogeneous multi-chain collaboration layer includes three sub-chains: the supervision chain, the transaction chain, and the privacy chain;

[0014] The supervision chain is deployed on the national government cloud platform, and the national secret SM9 algorithm is used to encrypt and verify the identity of the supervision chain node, combined with two-factor authentication to achieve node access control;

[0015] The transaction chain is built on the property alliance nodes, adopts the improved HotStuff consensus mechanism, introduces pipeline block generation and parallel transaction verification technology, and compresses transaction confirmation time to microseconds;

[0016] The privacy chain is built by integrating a fully homomorphic encryption engine, which is used to encrypt sensitive data in the property fee calculation process and interact with the transaction chain through a zero-knowledge proof channel to generate transaction validity proof.

[0017] Preferably, the custody chain also generates a random consensus seed through a verifiable random function, combines dynamic sharding storage technology, and divides property data by administrative region code to optimize the storage and retrieval efficiency of the custody chain data;

[0018] Verifiable random function formula:

[0019] ;

[0020] Where, is the key, For input message, is the generated random consensus seed;

[0021] Dynamic shard storage formula:

[0022] ;

[0023] Where, For shard data, is the administrative region code, Used to convert the input administrative area code into a fixed-size output;

[0024] The transaction chain also uses Schnorr aggregate signature technology to compress multiple transaction signatures into a single signature, reducing storage space by 90%;

[0025] The privacy chain also uses a secure multi-party computing protocol to complete multi-party fee calculation tasks in a ciphertext state.

[0026] Preferably, the smart contract execution layer deploys three contracts: dynamic billing contract, multi-signature account splitting contract, and credit derivative contract;

[0027] The dynamic billing contract obtains real-time data on water, electricity, gas prices, and garbage disposal fees by connecting to the municipal big data platform API interface, and uses the isolation forest algorithm to detect and filter outliers;

[0028] Isolation forest algorithm formula:

[0029] ;

[0030] Where, is the number of trees, is the data point to be evaluated, is the point of the data set, is a distance metric;

[0031] The multi-signature split-account contract presets split-account ratio rules, integrates an intelligent audit sub-module to compare the split-account ratio with the policy document, and triggers a regulatory alarm mechanism when errors occur;

[0032] The credit derivative contract constructs a two-way scoring mechanism for properties and owners based on an evolutionary game model, generating verifiable digital certificates that are compatible with the central bank's credit reporting system.

[0033] Preferably, the dynamic billing contract also parses the JSON-LD format policy file through a built-in policy awareness module, extracts the billing rules and generates on-chain billing logic code;

[0034] The multi-signature split contract also uses zero-knowledge range proofs to hide the split ratio while proving the validity of the value, and integrates an automatic rebalancing algorithm to dynamically adjust the split ratio based on the maintenance fund balance;

[0035] Zero-knowledge range proof formula:

[0036] ;

[0037] Where, For hidden range proof, To verify the proof of numerical validity;

[0038] The credit derivative contract also enables mutual evaluation between properties and owners through an on-chain gaming mechanism, and adopts the Vickreuy auction model to prevent strategic rating manipulation;

[0039] On-chain game mechanism formula:

[0040] ;

[0041] Where, For individuals In time Rating, is the update rate, For individuals of income, For individuals With individuals The cost of cooperation between For individuals total revenue.

[0042] Preferably, the cross-chain interactive terminal layer includes three application programs: owner-side service program, property-side service program, and municipal-side service program;

[0043] The owner-side service program implements identity authentication through a multimodal biometric fusion algorithm and combines a quantum random number generator to optimize the security of transaction keys;

[0044] Quantum random number generator formula:

[0045] ;

[0046] Where, is the generated random number, is a quantum random number generator, is a quantum state;

[0047] The property management service program is connected to the GPT-4 architecture AI collection robot and uses reinforcement learning to optimize the robot's collection language. At the same time, an edge AI computing box is deployed to implement local biometric preprocessing and offline authentication.

[0048] Reinforcement learning formula:

[0049] ;

[0050] Where, Current status and actions Q value, For instant rewards, is the discount factor, For the next state, For the next action;

[0051] The municipal service program achieves penetrating supervision of on-chain data and vulnerability detection of on-chain smart contracts through a regulatory sandbox that integrates formal verification tools.

[0052] Preferably, the security and extension layer includes quantum-resistant encryption mechanisms and cross-chain protocols;

[0053] The quantum-resistant security mechanism adopts the Lattice-based distributed key generation algorithm, combined with the BB84 protocol + post-processing algorithm to achieve random and secure key generation;

[0054] The quantum-resistant security mechanism uses the SIKE supersingular elliptic curve algorithm to achieve post-quantum key exchange;

[0055] The quantum security mechanism designs a quantum key distribution network coding algorithm to achieve multi-path key transmission anti-eavesdropping;

[0056] Quantum key distribution network coding algorithm formula:

[0057] ;

[0058] Where, For the The key of the path, is the weight, For the The key of the path;

[0059] The cross-chain protocol enables the interaction between the custody chain and the transaction chain through the threshold relay protocol, and adopts a composable security framework to ensure the atomicity of cross-chain transactions;

[0060] The cross-chain protocol adopts the zero-knowledge proof of Bulletproofs+ algorithm to compress the effective proof of transaction to less than 1kB, thereby optimizing the efficiency of cross-chain interaction.

[0061] Preferably, the security and extension layer further constructs a quantum disaster recovery subsystem through a surface code error correction algorithm;

[0062] The quantum disaster recovery subsystem predicts network load and optimizes resource allocation through reinforcement learning algorithms;

[0063] The quantum disaster recovery subsystem uses an automatic load balancing algorithm to dynamically expand the edge computing nodes;

[0064] The quantum disaster recovery subsystem regularly encodes key data into a quantum entangled state storage medium.

[0065] Preferably, the system further comprises:

[0066] Applying the three-chain collaborative algorithm, the VRF output of the custody chain is used as the seed of the transaction chain, combined with the secure multi-party computation results of the privacy chain to trigger cross-chain transactions and achieve three-chain state synchronization;

[0067] The contract evolution algorithm is used to obtain new data from the municipal big data platform every 24 hours for the dynamic billing contract. At the same time, the multi-signature account splitting contract adjusts the threshold according to the on-chain capital flow.

[0068] Compared with the prior art, the present invention has the following beneficial effects:

[0069] The present invention achieves efficient collaboration among the regulatory chain, transaction chain, and privacy chain through a heterogeneous multi-chain collaborative layer, ensuring data governance and compliance. At the same time, the optimized consensus mechanism and sharded storage technology improve system efficiency and reliability. It introduces smart contracts such as dynamic billing contracts, multi-signature split-account contracts, and credit derivative contracts to automatically process fee settlement, fund splitting, and credit scoring, reducing manual intervention and improving the flexibility and accuracy of billing rules, especially when dealing with complex split-account processes and dynamic billing standards. In addition, the cross-chain interactive terminal layer uses multimodal biometric fusion and quantum random number generation technology to ensure high transaction security and accurate identity authentication. The security and extension layer ensures the long-term security and scalability of the system through the integration of quantum-resistant encryption mechanisms, cross-chain protocols, and quantum disaster recovery subsystems. BRIEF DESCRIPTION OF THE DRAWINGS

[0070] Figure 1 This is a framework diagram of the blockchain-based property fee payment and management system of the present invention. DETAILED DESCRIPTION

[0071] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of the present invention.

[0072] Example 1:

[0073] See also Figure 1 As shown in FIG, a property fee payment and management system based on blockchain includes:

[0074] A heterogeneous multi-chain collaboration layer, used to achieve hierarchical data governance and policy compliance driven by encryption algorithms;

[0075] The heterogeneous multi-chain collaboration layer includes three sub-chains: the supervision chain, the transaction chain, and the privacy chain;

[0076] The supervision chain is deployed on the national government cloud platform, using the national secret SM9 algorithm to encrypt and verify the identity of the supervision chain node, combined with two-factor authentication to achieve node access control;

[0077] The transaction chain is built on the property alliance node, adopts the improved HotStuff consensus mechanism, introduces pipeline block generation and parallel transaction verification technology, and compresses transaction confirmation time to microseconds;

[0078] The privacy chain is built by integrating a fully homomorphic encryption engine, which is used to encrypt sensitive data in the property fee calculation process, and interact with the transaction chain through a zero-knowledge proof channel to generate valid proof of transactions.

[0079] Furthermore, this heterogeneous multi-chain collaboration layer leverages cryptographic algorithms to achieve efficient hierarchical data governance and policy compliance by combining a custody chain, a transaction chain, and a privacy chain. The custody chain ensures identity authentication and access control for regulatory nodes, guaranteeing compliance and security. The transaction chain significantly accelerates transaction confirmation speeds, achieving microsecond-level response times. The privacy chain ensures the privacy of sensitive data while enabling efficient interaction with the transaction chain. The overall architecture enhances system security, privacy protection, and transaction efficiency, meeting the needs of efficient, secure, and compliant data management.

[0080] The heterogeneous multi-chain collaboration layer also generates random consensus seeds through verifiable random functions in the supervision chain. Combined with dynamic sharding storage technology, it divides property data by administrative area code to optimize the storage and retrieval efficiency of the supervision chain.

[0081] The transaction chain uses Schnorr aggregate signature technology to compress multiple transaction signatures into a single signature, reducing storage space by 90%;

[0082] The privacy chain uses a secure multi-party computing protocol to complete multi-party fee calculation tasks in a ciphertext state.

[0083] Furthermore, this heterogeneous multi-chain collaboration layer utilizes innovative technologies to improve the efficiency of data storage, transaction signatures, and fee calculation. The custody chain optimizes data storage and retrieval, enhancing the efficiency of administrative region-based coding. The transaction chain significantly reduces storage space requirements, improving storage and processing efficiency. The privacy chain performs multi-party fee calculations in encrypted form, ensuring data privacy while improving computational efficiency. The overall architecture significantly improves data management, storage, and computational efficiency while ensuring security.

[0084] Smart contract execution layer, used to drive business logic automation through blockchain-based smart contracts;

[0085] The smart contract execution layer deploys three types of contracts: dynamic billing contract, multi-signature account splitting contract, and credit derivative contract;

[0086] The dynamic billing contract obtains real-time data on water, electricity, gas prices, and garbage disposal fees by connecting to the API interface of the municipal big data platform, and uses the isolation forest algorithm to detect and filter outliers;

[0087] The multi-signature split-account contract has preset split-account ratio rules, and an integrated intelligent audit sub-module compares the split-account ratio with the policy documents. When errors occur, a regulatory alarm mechanism is triggered.

[0088] Credit derivative contracts build a two-way scoring mechanism for properties and owners based on an evolutionary game model, generating verifiable digital certificates that are compatible with the central bank's credit reporting system.

[0089] Furthermore, the smart contract execution layer improves system efficiency and transparency through automated business logic. Dynamic billing contracts ensure real-time, accurate water, electricity, and gas cost data, effectively filtering out outliers. Multi-signature account-sharing contracts ensure that account-sharing ratios are consistent with policy and trigger regulatory alerts when deviations are detected, enhancing compliance and supervisory capabilities. Credit derivative contracts establish a two-way scoring mechanism for property owners and property owners, generating verifiable digital credentials compatible with the central bank's credit reporting system and strengthening the credibility of the credit system. Overall, this system improves data processing automation, compliance, and transparency in credit management.

[0090] The smart contract execution layer also dynamically parses the JSON-LD format policy file through the built-in policy awareness module, extracts the billing rules and generates the on-chain billing logic code;

[0091] The multi-signature split contract uses zero-knowledge range proof to hide the split ratio while proving the numerical validity, and integrates an automatic rebalancing algorithm to dynamically adjust the split ratio based on the maintenance fund balance.

[0092] Credit derivative contracts enable mutual evaluation between properties and owners through an on-chain game mechanism, and adopt the Vickreuy auction model to prevent strategic rating manipulation.

[0093] Furthermore, the smart contract execution layer enhances the system's intelligence through enhanced automation, privacy protection, and policy optimization. A dynamic billing contract parses policy documents and automatically generates on-chain billing logic, ensuring accurate and flexible billing rules. A multi-signature split-account contract protects split ratios and dynamically adjusts them through an automatic rebalancing algorithm, ensuring fair and flexible fund management. A credit derivative contract prevents rating manipulation, enhancing the fairness and credibility of mutual reviews between property owners and property management companies. Overall, the system achieves more intelligent and efficient business management while ensuring privacy, security, and compliance.

[0094] The cross-chain interactive terminal layer is used to implement data interaction between multi-terminal service programs using biometric fusion algorithms and quantum security protocols;

[0095] The cross-chain interactive terminal layer includes three types of terminal devices: owner-side service program, property-side service program, and municipal-side service program;

[0096] The owner-side service program uses a multimodal biometric fusion algorithm to achieve identity authentication and combines it with a quantum random number generator to optimize the security of transaction keys.

[0097] The property management service program connects to the GPT-4 AI collection robot and uses reinforcement learning to optimize the robot's collection language. It also deploys an edge AI computing box to implement local biometric preprocessing and offline authentication.

[0098] The municipal service program achieves penetrating supervision of on-chain data and vulnerability detection of on-chain smart contracts through a regulatory sandbox that integrates formal verification tools.

[0099] Furthermore, the cross-chain interaction terminal layer enhances the security and efficiency of data interaction through innovative biometric fusion algorithms and quantum security protocols. Owner terminals utilize multimodal biometrics for identity authentication and optimize key security with quantum random numbers, enhancing transaction protection. Property management terminals utilize a GPT-4-based AI collection robot and reinforcement learning to optimize collection language. Furthermore, they integrate edge AI computing boxes for local biometric preprocessing and offline authentication, improving collection efficiency and security. Municipal terminals integrate a regulatory sandbox and formal verification tools to ensure transparent on-chain data oversight and detect smart contract vulnerabilities. This overall enhances the security, intelligence, and regulatory capabilities of cross-chain interactions.

[0100] The security and expansion layer is used to achieve full-stack secure operation of the system through multiple security assurance methods.

[0101] The security and expansion layer includes quantum-resistant encryption mechanisms and cross-chain protocols;

[0102] The quantum-resistant security mechanism uses a Lattice-based distributed key generation algorithm, combined with the BB84 protocol + post-processing algorithm to achieve random and secure key generation;

[0103] The quantum-resistant security mechanism uses the SIKE supersingular elliptic curve algorithm to achieve post-quantum key exchange;

[0104] Anti-quantum security mechanism designs quantum key distribution network coding algorithms to achieve multi-path key transmission anti-eavesdropping;

[0105] The cross-chain protocol uses a threshold relay protocol to achieve interaction between the custody chain and the transaction chain, and adopts a composable security framework to ensure the atomicity of cross-chain transactions;

[0106] The cross-chain protocol uses zero-knowledge proof of the Bulletproofs+ algorithm to compress transaction validity proof to less than 1kB and optimize cross-chain interaction efficiency.

[0107] Furthermore, this security and expansion layer ensures full-stack security and scalability through multiple security mechanisms. The quantum-resistant encryption mechanism utilizes lattice-based distributed key generation, the BB84 protocol, and post-processing algorithms to enhance key generation security. It also implements post-quantum key exchange using the SIKE supersingular elliptic curve algorithm, protecting the system from quantum computing threats. The quantum key distribution network coding algorithm enhances the key transmission's resistance to eavesdropping.

[0108] The cross-chain protocol achieves secure interaction between the custody chain and the transaction chain through the threshold relay protocol, and adopts a composable security framework to ensure the atomicity of cross-chain transactions; at the same time, the Bulletproofs+ algorithm optimizes the efficiency of cross-chain interaction, compresses transaction proofs to less than 1kB, and improves the performance and security of the overall system.

[0109] The security and extension layer also builds a quantum disaster recovery subsystem through the surface code error correction algorithm;

[0110] The quantum disaster recovery subsystem uses reinforcement learning algorithms to predict network load and optimize resource allocation;

[0111] The quantum disaster recovery subsystem uses an automatic load balancing algorithm to dynamically expand the capacity of edge computing nodes;

[0112] The quantum disaster recovery subsystem regularly encodes critical data into quantum entangled state storage media.

[0113] Applying the three-chain collaborative algorithm, the VRF output of the custody chain is used as the seed of the transaction chain, combined with the secure multi-party computation results of the privacy chain to trigger cross-chain transactions and achieve three-chain state synchronization;

[0114] Through the contract evolution algorithm, the dynamic billing contract is implemented to obtain new data from the municipal big data platform every 24 hours. At the same time, the multi-signature account splitting contract adjusts the threshold according to the on-chain capital flow.

[0115] Furthermore, this security and expansion layer provides efficient disaster recovery and resource optimization through a quantum disaster recovery subsystem. Key data is regularly encoded into quantum entangled storage media to enhance data security. A three-chain collaborative algorithm enables collaboration among the custody chain, transaction chain, and privacy chain, ensuring the security and synchronization of cross-chain transactions. Furthermore, the contract evolution algorithm and multi-signature ledger contracts enhance the system's flexibility and adaptability through dynamic data updates and capital flow adjustments, ensuring accurate contract execution and financial transparency.

[0116] Example 2:

[0117] Application example: Dynamic management of property fees and mutual credit evaluation in smart communities

[0118] A newly built large community (2,000 households) faces the following problems:

[0119] (1) Energy cost accounting requires manual aggregation of data from five types of meters, resulting in monthly accounting errors exceeding RMB 30,000;

[0120] (2) The distribution of elevator maintenance funds needs to be manually confirmed by the property management company, the owners' committee, and the maintenance company. The process takes 5 to 10 working days.

[0121] (3) 7% of owners have used access cards fraudulently;

[0122] (4) There is a lack of quantitative evaluation standards for property service levels.

[0123] Technical implementation process:

[0124] (1) Phase 1: Three-chain collaborative data governance

[0125] 1. Chain of custody data anchoring

[0126] The Housing and Urban-Rural Development Bureau node automatically verifies the property qualification certificate (encrypted by the SM9 algorithm) and stores the community GIS data by administrative district.

[0127] At 2:00 a.m. every day, a random consensus seed is generated through VRF to trigger the consistency check of the entire chain data.

[0128] 2. Real-time settlement of transaction chains

[0129] After being encrypted by the privacy chain, the smart water meter data is pushed to the transaction chain through the zero-knowledge proof channel;

[0130] The improved HotStuff consensus mechanism can complete the calculation of common expenses for 2,000 households within 0.3 seconds.

[0131] 3. Privacy Chain Ciphertext Processing

[0132] The owner's license plate recognition data is used to complete the parking space usage frequency statistics in a fully homomorphic encrypted state;

[0133] Generate verifiable ledger proof for transaction chain call.

[0134] (2) Phase 2: Smart Contract Automation

[0135] 1. Dynamic Billing Contract

[0136] Real-time connection to the municipal platform to obtain tiered electricity price data (e.g., off-peak electricity 0.35 yuan / kWh → peak electricity 0.65 yuan / kWh);

[0137] The isolation forest algorithm automatically filters out abnormal readings (such as a household's electricity consumption suddenly increasing by 500% in a single day).

[0138] 2. Multi-signature account splitting contracts

[0139] 40% of the elevator maintenance fee is automatically transferred to the maintenance company account, and 60% is retained in the maintenance fund pool;

[0140] The intelligent audit module compares the "Regulations on the Management of Special Residential Maintenance Funds" and freezes the cash flow if it finds that the account allocation error exceeds 0.5%.

[0141] 3. Credit derivative contracts

[0142] Owners use the terminal to rate property services by star rating (response speed / processing quality, etc.);

[0143] The property management company will assess the creditworthiness of property owners based on the timeliness of their payments and generate digital certificates that can be recognized by the central bank.

[0144] (3) Phase 3: Quantum Secure Interaction

[0145] 1. Owner-side service procedures

[0146] The home access control integrates facial / voiceprint / palm vein features, and the quantum random number refreshes the verification key every 60 seconds;

[0147] Verify the authenticity of the fee list published by the property in real time through the regulatory sandbox.

[0148] 2. Property service procedures

[0149] The GPT-4 payment reminder assistant automatically analyzes the owner's historical payment records and generates personalized reminder scripts;

[0150] The edge computing box can still complete biometric verification and issue offline credentials in an offline environment.

[0151] 3. Municipal service procedures

[0152] The penetrating supervision module tracks the flow of maintenance funds in real time and flags abnormal transfer behaviors;

[0153] Formal verification tools automatically scan smart contract vulnerabilities every month.

[0154] (4) Phase 4: Disaster Recovery and Expansion

[0155] 1. Quantum-resistant security

[0156] Key distribution uses multi-path transmission (community optical cable + 5G private network), and eavesdropping on a single path does not affect overall security;

[0157] System-wide encryption keys are rotated quarterly using a supersingular elliptic curve algorithm.

[0158] 2. Quantum Disaster Recovery

[0159] Core data is encoded as quantum entangled states and stored in disaster recovery centers in three locations;

[0160] The reinforcement learning model predicts high concurrent transaction volumes during holidays based on historical loads and expands edge nodes in advance.

[0161] Comparison of implementation effects:

[0162]

[0163] The system achieves triple guarantees of regulatory compliance, transaction efficiency, and data privacy through a blockchain multi-chain architecture, and combines quantum security technology to build a future-oriented property management infrastructure.

[0164] Example 3:

[0165] An embodiment of the present invention further provides a computer-readable storage medium storing a program for a blockchain-based property fee payment and management system, such as any of the above. When executed by a processor, the program implements the various processes of the above payment and management system embodiments and achieves the same technical effects. To avoid repetition, the details are not described here. The computer-readable storage medium may be, for example, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.

[0166] In the description of this specification, the reference terms "one embodiment", "some embodiments", "examples", "specific examples" or "some examples" mean that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic expressions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described can be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art can combine and combine different embodiments or examples described in this specification and features of different embodiments or examples without contradiction.

[0167] The drawings of the embodiments disclosed in the present invention only involve structures related to the embodiments disclosed in the present invention. Other structures may refer to common designs. In the absence of conflicts, the same embodiment and different embodiments of the present invention may be combined with each other.

[0168] The flowcharts shown in the accompanying drawings are for illustrative purposes only and do not necessarily include all contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may be decomposed, combined, or partially merged, so the actual execution order may vary depending on the actual situation.

[0169] While embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions, and variations may be made to these embodiments without departing from the principles and spirit of the invention, and that the scope of the invention is defined by the appended claims and their equivalents.

Claims

1. A property fee payment and management system based on blockchain, characterized in that: include: A heterogeneous multi-chain collaboration layer, used to achieve hierarchical data governance and policy compliance driven by encryption algorithms; Smart contract execution layer, used to drive business logic automation through blockchain-based smart contracts; The cross-chain interactive terminal layer is used to implement data interaction between multi-terminal service programs using biometric fusion algorithms and quantum security protocols; The security and expansion layer is used to ensure the safe operation of the entire system stack through multiple security measures; The heterogeneous multi-chain collaboration layer includes a supervision chain, a transaction chain, and a privacy chain; The supervisory chain is deployed on the national government cloud platform, using the national secret SM9 algorithm to encrypt and verify the identity of the supervisory chain nodes, combined with two-factor authentication to achieve node access control; the supervisory chain is also used to: Generating a random consensus seed through a verifiable random function, combined with dynamic sharding storage technology, segmenting property data by administrative region code, and optimizing the efficiency of data storage and retrieval in the chain of custody; Verifiable random function formula: ； Where, is the key, For input message, is the generated random consensus seed; Dynamic shard storage formula: ； Where, For shard data, is the administrative region code, Used to convert the input administrative area code into a fixed-size output; The transaction chain is built on the property alliance nodes, adopts the improved HotStuff consensus mechanism, introduces pipeline block generation and parallel transaction verification technology, and compresses transaction confirmation time to microseconds. The transaction chain is also used to: Using Schnorr aggregate signature technology, multiple transaction signatures are compressed into a single signature, reducing storage space by 90%; The privacy chain is built by integrating a fully homomorphic encryption engine, which is used to encrypt sensitive data in the property fee calculation process and interact with the transaction chain through a zero-knowledge proof channel to generate transaction validity proof. The privacy chain is also used to: Using the secure multi-party computing protocol, multi-party fee calculation tasks can be completed in a ciphertext state; The smart contract execution layer deploys three contracts: dynamic billing contract, multi-signature account splitting contract, and credit derivative contract; The dynamic billing contract obtains real-time data on water, electricity, gas prices, and garbage disposal fees by connecting to the API interface of the municipal big data platform, and uses the isolation forest algorithm to detect and filter outliers; Isolation forest algorithm formula: ； Where, is the number of trees, is the data point to be evaluated, is the point of the data set, is a distance metric; The multi-signature split-account contract presets split-account ratio rules, integrates an intelligent audit sub-module to compare the split-account ratio with the policy document, and triggers a regulatory alarm mechanism when errors occur; The credit derivative contract constructs a two-way scoring mechanism for properties and owners based on an evolutionary game model, generating verifiable digital certificates that are compatible with the central bank's credit reporting system.

2. A blockchain-based property fee payment and management system according to claim 1, characterized in that: The dynamic billing contract is also used to: The built-in policy-aware module parses JSON-LD format policy files, extracts billing rules, and generates on-chain billing logic code; The multi-signature account splitting contract is also used to: A zero-knowledge range proof is used to hide the split ratio while proving the numerical validity. An automatic rebalancing algorithm is integrated to dynamically adjust the split ratio based on the maintenance fund balance. Zero-knowledge range proof formula: ； Where, For hidden range proof, To verify the proof of numerical validity; The credit derivative contracts are also used to: The on-chain game mechanism enables mutual evaluation between properties and owners, and the Vickreuy auction model is used to prevent strategic rating manipulation; On-chain game mechanism formula: ； Where, For individuals In time Rating, is the update rate, For individuals of income, For individuals With individuals The cost of cooperation between For individuals total revenue.

3. The blockchain-based property fee payment and management system according to claim 2 is characterized by: The cross-chain interactive terminal layer includes three applications: the owner-side service program, the property-side service program, and the municipal-side service program; The owner-side service program implements identity authentication through a multimodal biometric fusion algorithm and combines a quantum random number generator to optimize the security of transaction keys; Quantum random number generator formula: ； Where, is the generated random number, is a quantum random number generator, is a quantum state; The property management service program is connected to the GPT-4 architecture AI collection robot and uses reinforcement learning to optimize the robot's collection language. At the same time, an edge AI computing box is deployed to implement local biometric preprocessing and offline authentication. Reinforcement learning formula: ； Where, Current status and actions Q value, For instant rewards, is the discount factor, For the next state, For the next action; The municipal service program achieves penetrating supervision of on-chain data and vulnerability detection of on-chain smart contracts through a regulatory sandbox that integrates formal verification tools.

4. The blockchain-based property fee payment and management system according to claim 3 is characterized by: The security and expansion layer includes quantum-resistant encryption mechanisms and cross-chain protocols; The quantum-resistant encryption mechanism adopts the Lattice-based distributed key generation algorithm, combined with the BB84 protocol + post-processing algorithm to achieve random and secure key generation; The quantum-resistant encryption mechanism uses the SIKE supersingular elliptic curve algorithm to achieve post-quantum key exchange; The quantum-resistant encryption mechanism designs a quantum key distribution network coding algorithm to achieve multi-path key transmission anti-eavesdropping; Quantum key distribution network coding algorithm formula: ； Where, For the The key of the path, is the weight, For the The key of the path; The cross-chain protocol enables the interaction between the custody chain and the transaction chain through the threshold relay protocol, and adopts a composable security framework to ensure the atomicity of cross-chain transactions; The cross-chain protocol adopts the zero-knowledge proof of Bulletproofs+ algorithm to compress the effective proof of transaction to less than 1kB, thereby optimizing the efficiency of cross-chain interaction.

5. A blockchain-based property fee payment and management system according to claim 4, characterized in that: The security and extension layer also constructs a quantum disaster recovery subsystem through a surface code error correction algorithm; The quantum disaster recovery subsystem predicts network load and optimizes resource allocation through reinforcement learning algorithms; The quantum disaster recovery subsystem uses an automatic load balancing algorithm to dynamically expand the edge computing nodes; The quantum disaster recovery subsystem regularly encodes key data into a quantum entangled state storage medium.

6. A blockchain-based property fee payment and management system according to any one of claims 1 to 5, characterized in that: The system further comprises: Applying the three-chain collaborative algorithm, the VRF output of the custody chain is used as the seed of the transaction chain, combined with the secure multi-party computation results of the privacy chain to trigger cross-chain transactions and achieve three-chain state synchronization; The contract evolution algorithm is used to obtain new data from the municipal big data platform every 24 hours for the dynamic billing contract. At the same time, the multi-signature account splitting contract adjusts the threshold according to the on-chain capital flow.

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