Financial user digital archive encryption management system and method based on block chain

Abstract

The invention discloses a financial user digital archive encryption management system and method based on a block chain, and relates to the technical field of financial management, the encryption management system comprises an exchange end, an on-chain encryption module and a user contract module, the exchange end is used for extracting digital archive information of a user and storing financial assets of the user, the on-chain encryption module is used for encrypting, splitting and storing digitized archive information of a user in a distributed manner by using a block chain technology, and the user contract module is used for setting an intelligent contract for sending information to an inheritance address according to a specified time and reading the information by the user through a private key; the exchange end comprises an archive input module, an information sending module and an account login module, the account login module is electrically connected with the archive input module and the information sending module, and the system has the advantage of solving the legal inheritance problem.

Description

Technical Field

[0001] The present invention relates to the technical field of financial management, and particularly to a blockchain-based encrypted management system and method for digital files of financial users. Background Art

[0002] Many users deposit a large amount of financial assets in exchanges, holding them in the form of stocks, futures or securities. However, they cannot tell their family members how to liquidate these assets because they are afraid that their family members will take the assets without permission. But in case of their sudden death, it is very difficult for their family members to claim their due financial assets from the exchange based on inheritance without knowing the password, and it may be embezzled by the exchange.

[0003] Blockchain and the extended smart contract technology have developed in the financial field due to their decentralized and immutable nature. Currently, the blockchain technology has not been able to solve the problem of legal inheritance of financial assets in exchanges. Therefore, it is necessary to design a blockchain-based encrypted management system and method for digital files of financial users to solve the problem of legal inheritance. Summary of the Invention

[0004] The purpose of the present invention is to provide a blockchain-based encrypted management system and method for digital files of financial users to solve the problems raised in the above background art.

[0005] To solve the above technical problems, the present invention provides the following technical solution: A blockchain-based encrypted management system for digital files of financial users, including an exchange terminal, an on-chain encryption module, and a user contract module. The exchange terminal is used to extract the digital file information of users and store the financial assets of users. The on-chain encryption module is used to encrypt, split and distribute the storage of the digital file information of users by using blockchain technology. The user contract module is used to set a smart contract to send information to the inheritance address at a specified time, and the user reads the information through a private key.

[0006] According to the above technical solution, the exchange terminal includes a file entry module, an information sending module, and an account login module. The account login module is electrically connected to the file entry module and the information sending module. The file entry module is used to enter the privacy information of the user's exchange account. The information sending module is used to send the account privacy information to the blockchain. The account login module is used for the user to log in to the exchange account and grant the permission to enter information and the permission to send information to the blockchain; The on-chain encryption module includes an information encryption module, an information sharding module, an address management module, a distributed storage module, and a private key generation module. The information encryption module is electrically connected to the information sharding module, the information sharding module is electrically connected to the address management module, the address management module is electrically connected to the distributed storage module. The information encryption module encrypts the user account privacy information, including the exchange key and the asset certificate. The information sharding module shards the encrypted information into several parts to ensure that the exposure of a single address will not lead to the exposure of the complete information. The address management module generates and manages multiple storage addresses controlled by the user. The distributed storage module is used to disperse and store the encrypted information into multiple storage addresses on the blockchain. The private key generation module is used to generate a private key for each storage address for the user to decrypt and obtain the permission to read the information for the user to keep; The user contract module includes a time setting module, a condition trigger module, a sharded information transfer module, and an information reading module. The time setting module is electrically connected to the condition trigger module, the sharded information transfer module is electrically connected to the address management module, and the information reading module is electrically connected to the private key generation module; The time setting module is used for the user to set the transfer time and the determination time of not logging in. The condition trigger module is used to detect and determine whether the set time for sharded information transfer is reached, and send a final confirmation notice to the user. The sharded information transfer module is used to transmit the shards in the storage address group to the inheritance address in sequence, decrypt and recombine them into complete information. The information reading module is used to verify the user's permission to read the information in the inheritance address through the private key, and display the information to the user.

[0007] A blockchain-based encrypted management method for financial user digital files includes the following steps: S1. The user enters their account privacy information such as keys and asset certificates at the exchange end, obtains permission through the account login module, encrypts the information, and sends it to the chain; S2. The information is split into multiple shards, assigned to multiple blockchain addresses, and the information is written and stored separately through the distributed storage module. A unique private key is generated for each address for the user to keep, and an inheritance address is generated; S3. The user sets two parameters: one is the future time point of asset transfer, and the other is the determination period of not logging in for a long time. Continuously monitor whether the user has logged in within the set period and whether the set transfer time has been reached. Once the conditions are met, the system triggers the shard transfer logic, extracts the shard data in sequence from multiple storage addresses, and transmits it to the inheritance address, where it is merged and decrypted into complete account privacy information; S4. Complete the identity verification through the kept private key of the inheritance address, access and read the reorganized account information, and then obtain the asset control permission of the user in the exchange.

[0008] According to the above technical solution, in S1, the specific steps of encrypting the information and sending it to the chain are as follows: S1-1. After the user logs in to the exchange account and grants permissions, the exchange uses the AES-256-GCM symmetric encryption algorithm to generate a 256-bit AES key for its account privacy information, encapsulates and encrypts the account privacy information with the AES key, and the generated encryption result contains an encrypted information packet composed of the encrypted account privacy information, initialization vector, and integrity check tag, and saves the encrypted information packet locally on the exchange. S1-2. The exchange end uses the asymmetric encryption algorithm to generate a pair of asymmetric key pairs for the user locally, including a public key and a private key. The private key is saved by the user himself. The Diffie-Hellman key exchange protocol is used to cooperate with the public key to generate a shared key, and the AES key is encrypted and encapsulated with the shared key, and the shared key is uploaded to a specific blockchain address generated by the public key hash. S1-3. The user can perform key exchange with the system-side public key to calculate the same shared key, that is, decrypt the AES key with the private key, further decrypt the encrypted information packet of the account, access and modify the content in the encrypted information packet, and update the exchange account privacy information in real time.

[0009] According to the above technical solution, in S2, the specific process of writing and storing information through the distributed storage module is as follows: S2-1. Split the shared key into several shards, denoted as , where is the shard serial number. The more shards, the stronger the confidentiality of the shared key, but the greater the cost of storage and reading. The specific calculation formula is , where is the user's asset amount, is the on-chain gas fee required for storage, is the asset amount weight coefficient, is the on-chain gas fee weight coefficient; S2-2. Based on the key pair composed of the user's public key and private key, a series of sub-private keys and sub-addresses are generated according to the HD wallet path standard. The shared key information in each shard is sent to each sub-address in a specified order. The number of sub-private keys and sub-addresses is both t + 1. The user can read the shared key information in each sub-address through the sub-private key, and hand over the only sub-address that does not save the shared key information and its corresponding sub-private key to the user's family member for safekeeping. This sub-address is the inheritance address.

[0010] According to the above technical solution, in S3, the specific process of the system triggering the shard transfer logic is as follows: S3-1. The user sets two time parameters. One is the future time point for asset transfer , and the other is the threshold value of the non-login period . Each login behavior of the user will be detected by the off-chain monitoring engine, the timestamp will be recorded, and the variable of the most recent activity time will be updated . By continuously updating the current time , if , and , it is determined that the transfer condition is met; S3-2. The system freezes the data structure on the original storage sub-address to prevent simultaneous access or tampering. At the same time, the receiving channel of the inheritance address is activated, and the shared key information of each sub-address is transmitted to the inheritance address in the set order to merge the sharded data.

[0011] According to the above technical solution, in S4, the specific method for the private key to complete identity verification is: After the inheritance address receives the information, the user's family member accesses the shared key through the inheritance address, decrypts the AES key that was initially encapsulated and stored, then logs in to the exchange side, further decrypts the account privacy information in the encrypted information packet by inputting the AES key, and logs in to the user's account by reading the account privacy information to achieve control of the financial assets in the account.

[0012] According to the above technical solution, in S1, if the assets deposited by the user on the exchange side are encrypted assets that can be stored on the on-chain address, then the account privacy information is the private key corresponding to the on-chain address of the user's encrypted assets. When it is determined that the transfer condition in S3-1 is met, the system unlocks the private key corresponding to the on-chain address and directly transfers the encrypted assets stored by the user on the on-chain address to the inheritance address.

[0013] Compared with the prior art, the beneficial effects achieved by the present invention are as follows: In the present invention, the account privacy information of the user in the exchange is encrypted and stored in multiple addresses on the blockchain. The combination order and the private keys of the addresses are only known to the user himself / herself, and an inheritance address is generated for the family member to hold. The user sets a transfer time through a smart contract. When the transfer time is reached or the user has not logged in for a long time, all the addresses will transfer the account privacy information inside to the inheritance address in order. The family member can know the user's account privacy information by reading the information on the inheritance address with the private key and thus take away the financial assets in the account. In this way, the family member cannot privately take away the assets before the specified time, which can provide property protection for the family member when the user suddenly passes away due to an accident. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] The accompanying drawings are used to provide a further understanding of the present invention and form a part of the specification. They are used in conjunction with the embodiments of the present invention to explain the present invention and do not constitute a limitation on the present invention. In the accompanying drawings: Figure 1 is a schematic structural diagram of the encryption management system of the present invention. Detailed implementation manners

[0015] The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0016] Please refer to Figure 1 , the present invention provides a technical solution: a blockchain-based encrypted management system for financial user digital archives, including an exchange end, an on-chain encryption module, and a user contract module. The exchange end is used to extract the digital archive information of users and store the financial assets of users. The on-chain encryption module is used to encrypt, split, and distribute the storage of the digital archive information of users using blockchain technology. The user contract module is used to set a smart contract to send information to the inheritance address at a specified time, and the user reads the information through a private key; The exchange end includes an archive entry module, an information sending module, and an account login module. The account login module is electrically connected to the archive entry module and the information sending module. The archive entry module is used to enter the privacy information of the user's exchange account. The information sending module is used to send the account privacy information to the blockchain. The account login module is used for the user to log in to the exchange account and grant the permission to enter information and the permission to send information to the blockchain; The on-chain encryption module includes an information encryption module, an information sharding module, an address management module, a distributed storage module, and a private key generation module. The information encryption module is electrically connected to the information sharding module. The information sharding module is electrically connected to the address management module. The address management module is electrically connected to the distributed storage module. The information encryption module encrypts the privacy information of the user account, including the exchange key and the asset certificate. The information sharding module shards the encrypted information into several parts to ensure that the exposure of a single address will not lead to the exposure of the complete information. The address management module generates and manages multiple storage addresses controlled by the user. The distributed storage module is used to disperse and store the encrypted information to multiple storage addresses on the blockchain. The private key generation module is used to generate a private key for each storage address for the user to decrypt and obtain the permission to read the information for the user to keep; The user contract module includes a time setting module, a condition trigger module, a shard information transfer module, and an information reading module. The time setting module is electrically connected to the condition trigger module, the shard information transfer module is electrically connected to the address management module, and the information reading module is electrically connected to the private key generation module. The time setting module is used for the user to set the transfer time and the determination time for not being logged in. The condition trigger module is used to detect and determine whether the set time for shard information transfer is reached, and send a final confirmation notice to the user. The shard information transfer module is used to sequentially transmit the shards in the storage address group to the inheritance address, decrypt and recombine them into complete information. The information reading module is used to verify the user's permission to read the information in the inheritance address through the private key, and display the information to the user. A blockchain-based financial user digital file encryption management method includes the following steps: S1. The user enters their account privacy information such as keys and asset certificates at the exchange end, obtains permission through the account login module, encrypts the information, and sends it to the chain. S2. The information is split into multiple shards, assigned to multiple blockchain addresses, and the information is respectively written and stored through the distributed storage module. A unique private key is generated for each address for the user to keep, and an inheritance address is generated. S3. The user sets two parameters: one is the future time point for asset transfer, and the other is the determination period for not logging in for a long time. Continuously monitor whether the user has logged in within the set period and whether the set transfer time has been reached. Once the conditions are met, the system triggers the shard transfer logic, extracts shard data in sequence from multiple storage addresses, and transmits it to the inheritance address, where it is merged and decrypted into complete account privacy information. S4. Complete identity verification through the private key of the inheritance address, access and read the recombined account information, and then obtain the asset control permission of the user in the exchange. In S1, the specific steps for encrypting the information and sending it to the chain are as follows: S1-1. After the user logs in to the exchange account and gives permission, the exchange uses the AES-256-GCM symmetric encryption algorithm to generate a 256-bit AES key for its account privacy information, encapsulates and encrypts the account privacy information with the AES key, and the generated encrypted result contains an encrypted information packet composed of the encrypted account privacy information, initialization vector, and integrity check tag. The encrypted information packet is saved locally on the exchange. The encrypted information packet is always saved locally on the exchange and does not participate in chain storage, which can maximize the guarantee that the user's privacy data is not leaked. Even if all the chain addresses are public, attackers still cannot obtain the user's original privacy data. S1-2. The exchange uses an asymmetric encryption algorithm to generate a pair of asymmetric key pairs for the user locally, including a public key and a private key. The private key is saved by the user himself. The Diffie-Hellman key exchange protocol is used to generate a shared key in cooperation with the public key. The AES key is encrypted and encapsulated through the shared key, and the shared key is uploaded to a specific blockchain address generated by the public key hash; by combining symmetric encryption and asymmetric encryption, even if an attacker obtains the shared key shard information on the chain, the original AES key cannot be deduced. After that, the correct private key is still required for decryption, increasing the cracking difficulty. The blockchain (decentralized) and the exchange system (centralized) undertake different encryption responsibilities, reducing the risk of single-point failure.

[0017] S1-3. The user can perform key exchange with the system-side public key through the private key to calculate the same shared key, that is, decrypt the AES key through the private key, further decrypt the encrypted information packet of the account, access and modify the content in the encrypted information packet, and update the privacy information of the exchange account in real time; through the shared key, the user can modify the account privacy data of the encrypted information packet in real time through the private key he holds, without the need to perform long reverse cracking steps to modify, improving the efficiency of information update.

[0018] In S2, the specific process of writing and storing information through the distributed storage module is as follows: S2-1. The shared key is split into several shards, denoted as , where is the shard serial number. The more shards there are, the stronger the confidentiality of the shared key, but the greater the cost of storage and reading. The specific calculation formula is , where is the user's asset amount, is the on-chain gas fee required for storage, is the asset amount weight coefficient, is the on-chain gas fee weight coefficient; S2-2. Based on the key pair composed of the user's public key and private key, a series of child private keys and child addresses are generated according to the HD wallet path standard. The shared key information in each shard is sent to each child address in the specified order. The number of child private keys and child addresses is both . The user can read the shared key information in each child address through the child private key, and hand over the only child address that does not save the shared key information and its corresponding child private key to the user's family for safekeeping. This child address is the inheritance address; each shard only exists in one independent child address and is independent of each other. Even if an attacker breaks into a certain child address, the complete key cannot be restored, significantly enhancing the anti-cracking ability.

[0019] In S3, the specific process of the system triggering the shard transfer logic is as follows: S3-1. The user sets two time parameters. One is the future time point of asset transfer , and the other is the unlogged cycle threshold . Each login behavior of the user will be detected by the off-chain monitoring engine, and the timestamp will be recorded and the variable of the most recent activity time will be updated . By continuously updating the current time , if , and , it is determined that the transfer condition is met; S3-2. The system freezes the data structure on the original storage sub-address to prevent simultaneous access or tampering. At the same time, it activates the receiving channel of the inheritance address, and transfers the shared key information of each sub-address to the inheritance address in the set order to merge the shard data; the original sub-address is frozen when triggered, and the inheritance address is activated only then, effectively preventing replay attacks, double-spending attacks or malicious interventions in the process of on-chain data transfer.

[0020] In S4, the specific method for the private key to complete identity verification is as follows: After the inheritance address receives the information, the user's family member accesses the shared key through the inheritance address, decrypts the AES key encapsulated and stored initially, then logs in to the exchange end, further decrypts the account privacy information in the encrypted information package by inputting the AES key, and logs in to the user's account by reading the account privacy information to control the financial assets in the account; In S1, if the assets deposited by the user at the exchange end are encrypted assets that can be stored at the on-chain address, then the account privacy information is the private key corresponding to the on-chain address of the user's encrypted assets. When it is determined that the transfer condition in S3-1 is met, the system unlocks the private key corresponding to the on-chain address and directly transfers the encrypted assets stored by the user at the on-chain address to the inheritance address. When the financial assets are encrypted assets, the inheritance of the assets occurs completely on the chain, without off-chain data reorganization or user interaction, which conforms to the automation principle of smart contracts.

[0021] In the present invention, the account privacy information of the user in the exchange is encrypted and stored in multiple addresses on the blockchain. The combination order and the private keys of the addresses are known only to the user himself, and an inheritance address is generated for the family member to hold. The user sets a transfer time through a smart contract. When the transfer time is reached or the user has not logged in for a long time, all the addresses will transfer the account privacy information inside to the inheritance address in order. The family member can know the user's account privacy information by reading the information on the inheritance address with the private key and thus take away the financial assets in the account. In this way, the family member cannot take away the assets privately before the specified time, which can provide property protection for the family member when the user suddenly passes away due to an accident.

[0022] It should be noted that in this text, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprising", "including" or any other variant thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements not only includes those elements, but also includes other elements not expressly listed, or further includes elements inherent to such process, method, article or device.

[0023] Finally, it should be noted that the above are only preferred embodiments of the present invention and are not used to limit the present invention. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art can still modify the technical solutions described in the foregoing embodiments, or perform equivalent replacements for some of the technical features. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A blockchain-based encrypted management system for digital archives of financial users, characterized in that: It includes an exchange terminal, an on-chain encryption module, and a user contract module; the exchange terminal is used to extract the digital archive information of users and store the financial assets of users; the on-chain encryption module is used to encrypt, split, and distribute the storage of the digital archive information of users by using blockchain technology; The user contract module is used to set up a smart contract to send information to the inheritance address at a specified time, and the user reads the information through a private key.

2. The blockchain-based financial user digital file encryption management system according to claim 1, wherein: The exchange terminal includes an archive entry module, an information sending module, and an account login module; the account login module is electrically connected to the archive entry module and the information sending module; the archive entry module is used to enter the privacy information of the user's exchange account; the information sending module is used to send the account privacy information to the blockchain; the account login module is used for the user to log in to the exchange account and grant the permission to enter information and the permission to send information to the blockchain; The on-chain encryption module includes an information encryption module, an information sharding module, an address management module, a distributed storage module, and a private key generation module; the information encryption module is electrically connected to the information sharding module, and the information sharding module is electrically connected to the address management module; the address management module is electrically connected to the distributed storage module. The information encryption module encrypts the user account privacy information, including the exchange key and asset certificate. The information sharding module shards the encrypted information into several parts to ensure that the exposure of a single address will not lead to the exposure of the complete information. The address management module generates and manages multiple storage addresses controlled by the user. The distributed storage module is used to disperse and store the encrypted information in multiple storage addresses on the blockchain. The private key generation module is used to generate a private key for each storage address for the user to decrypt and obtain the permission to read the information for the user to keep; The user contract module includes a time setting module, a condition trigger module, a sharded information transfer module, and an information reading module; the time setting module is electrically connected to the condition trigger module, the sharded information transfer module is electrically connected to the address management module, and the information reading module is electrically connected to the private key generation module; the time setting module is used for the user to set the transfer time and the determination time for not logging in. The condition trigger module is used to detect and determine whether the set time for sharded information transfer is reached and send a final confirmation notice to the user. The sharded information transfer module is used to transmit the shards in the storage address group to the inheritance address in sequence, decrypt and recombine them into complete information. The information reading module is used to verify the user's permission to read the information in the inheritance address through the private key and display the information to the user.

3. A method for encrypting and managing digital files of financial users based on blockchain, characterized in that: It includes the following steps: S1. The user enters the privacy information of their account, such as the key and asset certificate, at the exchange terminal, obtains permission through the account login module, encrypts the information, and sends it to the chain; S2. The information is cut into multiple shards, assigned to multiple blockchain addresses, and written and stored in the blockchain through the distributed storage module respectively. A unique private key is generated for each address for the user to keep, and an inheritance address is generated; S3. The user sets two parameters: one is the future time point of asset transfer, and the other is the determination period for long-term non-login. Continuously monitor whether the user has logged in within the set period and whether the set transfer time has been reached. Once the conditions are met, the system triggers the shard transfer logic, extracts shard data sequentially from multiple storage addresses, and transfers it to the inheritance address, where it is merged and decrypted into the complete account privacy information; S4. Complete the identity verification through the private key of the inheritance address held, access and read the reorganized account information, and then obtain the asset control right of the user in the exchange.

4. The method for encrypting and managing digital files of financial users based on blockchain according to claim 3, wherein: In S1, the specific steps of encrypting the information and sending it to the chain are as follows: S1-1. After the user logs in to the exchange account and gives permission, the exchange uses the AES-256-GCM symmetric encryption algorithm to generate a 256-bit AES key for its account privacy information, encapsulates and encrypts the account privacy information with the AES key, and the generated encryption result contains an encrypted information packet composed of the encrypted account privacy information, initialization vector, and integrity check tag. The encrypted information packet is saved locally on the exchange; S1-2. The exchange uses the asymmetric encryption algorithm to generate a pair of asymmetric key pairs for the user locally, including a public key and a private key. The private key is saved by the user himself. The Diffie-Hellman key exchange protocol is used to generate a shared key in cooperation with the public key, and the AES key is encrypted and encapsulated with the shared key, and the shared key is uploaded to a specific blockchain address generated by the public key hash; S1-3. The user can perform key exchange with the system-side public key to calculate the same shared key, that is, decrypt the AES key with the private key, further decrypt the encrypted information packet of the account, access and modify the content in the encrypted information packet, and update the exchange account privacy information in real time.

5. The encrypted management method for digital archives of financial users based on blockchain according to claim 4, characterized in that: In S2, the specific process of writing and storing information through the distributed storage module is as follows: S2-1. Split the shared key into several shards, denoted as , where is the shard serial number. The more shards there are, the stronger the confidentiality of the shared key, but the greater the cost of storage and reading. The specific calculation formula is , where is the user's asset amount, is the on-chain gas fee required for storage, is the asset amount weight coefficient, is the on-chain gas fee weight coefficient; S2-2. Based on the key pair composed of the user's public key and private key, a series of sub-private keys and sub-addresses are generated according to the HD wallet path standard. The shared key information in each shard is sent to each sub-address in the specified order. The number of sub-private keys and sub-addresses is both t + 1. The user can read the shared key information in each sub-address through the sub-private key, and hand over the only sub-address that does not save the shared key information and its corresponding sub-private key to the user's family member for safekeeping. This sub-address is the inheritance address.

6. The method for encrypting and managing digital files of financial users based on blockchain according to claim 5, wherein: In S3, the specific process of the system triggering the shard transfer logic is as follows: S3-1. The user sets two time parameters. One is the future time point for asset transfer , and the other is the threshold of the non-login period . Each login behavior of the user will be detected by the off-chain monitoring engine, and the timestamp will be recorded and the variable of the last activity time will be updated . By continuously updating the current time , if , and , it is determined that the transfer condition is met; S3-2. The system freezes the data structure on the original storage sub-address to prevent simultaneous access or tampering. At the same time, it activates the receiving channel of the inheritance address, and transfers the shared key information of each sub-address to the inheritance address in the set order to merge the shard data.

7. The method for encrypting and managing digital files of financial users based on blockchain according to claim 6, wherein: In S4, the specific method of completing the identity verification with the private key is as follows: After receiving the information at the inheritance address, the user's family member accesses the shared key through the inheritance address, decrypts the AES key that was initially encapsulated and stored, then logs in to the exchange side, further decrypts the account privacy information in the encrypted information package by entering the AES key, and logs in to the user's account by reading the account privacy information to achieve control of the financial assets in the account.

8. The method for encrypting and managing digital files of financial users based on blockchain according to claim 7, wherein: In S1, if the assets deposited by the user at the exchange side are encrypted assets that can be stored at the on-chain address, then the account privacy information is the private key corresponding to the on-chain address of the user's encrypted assets. When it is determined that the transfer condition in S3-1 is met, the system unlocks the private key corresponding to the on-chain address and directly transfers the encrypted assets stored by the user at the on-chain address to the inheritance address.

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