Multi-tiered data object management method and system based on entity precious metal anchoring

Abstract

The application provides a kind of multi-level data object management method and system based on entity noble metal anchoring, it is related to computer technology field.The method comprises the following steps: obtaining the entity noble metal base of hosting user and generating base identification;Generating digital data amount;In response to user instruction, the noble metal carrier is exchanged into digital data amount according to preset proportion, and the base identification, data amount and user information are written into its security chip;According to the regional level of the jurisdiction area to which the user belongs, reserve coverage, project performance data, obtain comprehensive index;When the comprehensive index is lower than threshold value, send freezing instruction to security chip, modify the convertible flag bit of data amount to unconvertible state;When the index recovers, send release instruction, restore convertible state and data amount.The application overcomes the problems of lack of linkage between entity assets and digital object technology, insufficient offline verification and rigid control logic in the prior art, significantly improves the credibility and dynamic adaptation capability of data object management.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a multi-level data object management method and system based on physical precious metal anchoring and security chips. Background Technology

[0002] In entity-anchored data object management systems, the lack of hardware-level binding between the physical precious metal substrate and the digital data volume makes the digital data volume susceptible to copying or tampering, leading to over-issuance or duplicate verification of data objects. Existing technologies include pure software digital credentials, centralized ledgers, and static threshold control. Pure software solutions cannot achieve offline anti-copying; centralized ledgers have the risk of single point of failure; and static thresholds lack the ability to dynamically adjust based on multi-dimensional external data. The above solutions generally suffer from defects such as a lack of technical linkage between entity and digital object, insufficient offline verification capabilities, and rigid control logic.

[0003] Therefore, there is an urgent need for a method and system that achieves a closed-loop technology of entity anchoring, controllable data generation, hardware binding, and adaptive control through entity-based hosting, secure chip writing, dynamic weighted calculation of multi-dimensional indicators, and threshold-based freeze / restore command transmission. Summary of the Invention

[0004] This invention provides a multi-level data object management method and system based on physical precious metal anchoring and security chips. This method can overcome the problems of excessive data volume or uncontrolled channels caused by the lack of technical linkage between physical assets and digital objects, insufficient offline verification capabilities, and rigid control logic in existing technologies. It significantly improves the reliability, anti-tampering capability, and dynamic adaptation capability of data object management.

[0005] Firstly, a multi-level data object management method based on physical precious metal anchoring is provided, including: Obtain the physical precious metal substrate of the managed user, and generate a substrate identifier based on the attribute information of the physical precious metal substrate; wherein the physical precious metal substrate is a standardized physical anchor. Based on the surface value of the physical precious metal substrate, generate corresponding digital data volume at a preset multiple; In response to the host user's instruction, the digital data volume is converted into a precious metal carrier at a preset ratio, and the base identifier, the digital data volume, and the host user information are written into the security chip of the precious metal carrier; wherein, the security chip is embedded inside the precious metal carrier; The comprehensive index of the managed user is obtained based on the regional level data, reserve coverage data, and project effectiveness data of the jurisdiction to which the managed user belongs. When the comprehensive index is lower than a preset threshold, a freeze command is sent to the security chip. The security chip modifies the convertible flag of the digital data to a non-convertible state to perform the digital data freezing or processing channel blocking operation. When the comprehensive index recovers to a level higher than the preset threshold, a release command is sent to the security chip, and the security chip restores the convertible flag to a convertible state and restores the digital data volume.

[0006] In this way, through the hosting and unique identification of physical precious metal substrates, the generation of preset multiples of digital data volume, the binding and writing of hardware security chips, the dynamic weighted calculation of multi-dimensional indicators in the jurisdiction, and the transmission of cross-module freeze / restore instructions based on thresholds, hardware-level trusted binding, controllable data volume generation, and dynamic adaptive risk control between physical assets and digital data objects are achieved. This overcomes the problems of excessive data volume or uncontrolled channels caused by the lack of technical linkage between physical assets and digital objects, insufficient offline verification capabilities, and rigid control logic in existing technologies, and significantly improves the credibility, anti-tampering ability, and dynamic adaptation capability of data object management.

[0007] In some possible implementations, generating a substrate identifier based on the property information of the physical precious metal substrate includes: The purity, quality, and face value of the physical precious metal substrate are detected, a global identifier is generated using a hash algorithm, and the identifier is recorded in the distributed ledger as the substrate identifier.

[0008] In this way, by leveraging the immutability of distributed ledgers, the global uniqueness and traceability of the base identifier are guaranteed.

[0009] In some possible implementations, generating corresponding digital data based on the face value of the physical precious metal substrate at a preset multiple includes: The face value of the physical precious metal substrate is multiplied by the preset multiple to obtain the digital data quantity; the preset multiple is an integer greater than 1.

[0010] In this way, the digital data volume can be expanded in a controllable manner through the multiple relationship, which is different from the traditional 1:1 anchoring method.

[0011] In some possible implementations, the step of converting the digital data volume into a precious metal carrier at a preset ratio, and writing the substrate identifier, the digital data volume, and the hosting user information into the security chip of the precious metal carrier, includes: The digital data is converted into precious metal carriers of equal value at a 1:1 ratio; the base identifier, the digital data, and the public key hash value of the custodian user are written into the security chip via a near-field communication reader; after writing is completed, the security chip is locked, and a confirmation signal returned by the security chip is received.

[0012] In this way, by writing with near-field communication and locking with hardware, the data inside the chip is ensured to be immutable, and a one-to-one binding between digital data and physical carrier is achieved.

[0013] In some possible implementations, the step of obtaining the comprehensive index of the managed user based on the regional level data, reserve coverage data, and project performance data of the managed user's jurisdiction includes: The regional level data, the reserve coverage data, and the project effectiveness data are quantified and mapped into standardized scores respectively; the comprehensive index is calculated using a weighted summation algorithm, which involves multiplying the regional level score by a first weight coefficient, the reserve coverage score by a second weight coefficient, and the project effectiveness score by a third weight coefficient, and then summing them up, wherein the sum of the first weight coefficient, the second weight coefficient, and the third weight coefficient is 1, and each weight coefficient can be dynamically adjusted.

[0014] In this way, by using a weighted summation with dynamically adjustable weights, a real-time, multi-dimensional quantitative assessment of the risk status of the jurisdiction is achieved.

[0015] In some possible implementations, when the composite index is lower than a preset threshold, a freeze command is sent to the security chip, and the security chip modifies the convertible flag of the digital data to a non-convertible state to perform the digital data freezing or processing channel blocking operation, including: When the comprehensive index is determined to be lower than the preset threshold, a binary instruction frame containing the instruction type, managed user identifier, and timestamp is generated. The binary instruction frame is sent to the security chip via the server push channel; after receiving the binary instruction frame, the security chip modifies the convertible flag of the digital data from a convertible state to a non-convertible state through its internal hardware circuit. A channel blocking instruction is sent to the consortium blockchain clearing module, which then adds a denial rule to the access control list of the distributed ledger based on the channel blocking instruction.

[0016] In this way, cross-module instruction transmission is achieved through binary instruction frames and server push channels, and the security chip hardware circuit directly modifies the convertible flag bit, realizing an unbypassable offline freeze; at the same time, the consortium blockchain clearing module synchronously updates the access control list, forming a dual risk control barrier on the network side and the hardware side.

[0017] In some possible implementations, when the composite index recovers to a level higher than the preset threshold, a release command is sent to the security chip, and the security chip restores the convertible flag to a convertible state and recovers the digital data, including: When it is determined that the comprehensive index has recovered to a level higher than the preset threshold, a binary release instruction frame containing the instruction type, the managed user identifier, and the timestamp is generated; The binary deactivation instruction frame is sent to the security chip via the server push channel; after receiving the binary deactivation instruction frame, the security chip restores the convertible flag of the digital data from a non-convertible state to a convertible state through its internal hardware circuit. Send a channel release instruction to the consortium blockchain clearing module, and the consortium blockchain clearing module removes the corresponding denial rule from the access control list of the distributed ledger according to the channel release instruction; Restore the digital data volume corresponding to the hosted user to the value before freezing.

[0018] In this way, through symmetrical release commands and chip hardware recovery, the data volume and its convertibility are fully restored after the risk control is released, forming a closed-loop control.

[0019] Secondly, a multi-level data object management system based on physical precious metal anchoring is provided, including: The substrate management unit is used to obtain the physical precious metal substrate of the managed user and generate a substrate identifier based on the attribute information of the physical precious metal substrate; wherein the physical precious metal substrate is a standardized physical anchor. The data generation unit is used to generate corresponding digital data based on the surface value of the physical precious metal substrate by a preset multiple. The carrier exchange unit is used to respond to user instructions, exchange the digital data amount for a precious metal carrier at a preset ratio, and write the base identifier, the digital data amount and user information into the security chip of the precious metal carrier; wherein, the security chip is embedded inside the precious metal carrier; The index calculation unit is used to obtain the comprehensive index of the managed user based on the regional level data, reserve coverage data, and project performance data of the managed user's jurisdiction. The risk control execution unit is used to send a freeze command to the security chip when the comprehensive index is lower than a preset threshold, and the security chip modifies the convertible flag of the digital data volume to a non-convertible state to perform the freezing of the digital data volume or the processing channel blocking operation; and to send a release command to the security chip when the comprehensive index recovers to a level higher than the preset threshold, and the security chip restores the convertible flag to a convertible state and restores the digital data volume.

[0020] In some possible implementations, the substrate management unit is specifically used to: detect the purity, quality, and face value of the physical precious metal substrate, generate a global identifier through a hash algorithm, and record the identifier as the substrate identifier in the distributed ledger.

[0021] In some possible implementations, the data generation unit is specifically used to: multiply the face value of the physical precious metal substrate by the preset multiple to obtain the digital data quantity; the preset multiple is an integer greater than 1.

[0022] In some possible implementations, the carrier exchange unit is specifically used to: exchange the digital data amount for a precious metal carrier of equal value at a 1:1 ratio; write the base identifier, the digital data amount, and the user's public key hash value into the security chip via a near-field communication reader; lock the security chip after writing is completed, and receive a confirmation signal returned by the security chip.

[0023] In some possible implementations, the index calculation unit is specifically used to: quantize and map the regional level data, the reserve coverage data, and the project effectiveness data into standardized scores respectively; calculate the comprehensive index using a weighted summation algorithm, that is, multiply the regional level score by a first weight coefficient, the reserve coverage score by a second weight coefficient, and the project effectiveness score by a third weight coefficient, and then sum them up, wherein the sum of the first weight coefficient, the second weight coefficient, and the third weight coefficient is 1, and each weight coefficient can be dynamically adjusted.

[0024] In some possible implementations, the risk control execution unit is specifically used to: when the comprehensive index is determined to be lower than the preset threshold, generate a binary instruction frame containing instruction type, user identifier, and timestamp; send the binary instruction frame to the security chip through a server push channel; after receiving the binary instruction frame, the security chip modifies the convertible flag of the digital data from a convertible state to a non-convertible state through its internal hardware circuitry; send a channel blocking instruction to the consortium blockchain clearing module, and the consortium blockchain clearing module adds a denial rule to the access control list of the distributed ledger according to the channel blocking instruction.

[0025] In some possible implementations, the risk control execution unit is further specifically used to: when it is determined that the comprehensive index has recovered to a level higher than the preset threshold, generate a binary release instruction frame containing the instruction type, user identifier, and timestamp; send the binary release instruction frame to the security chip through a server push channel; after receiving the binary release instruction frame, the security chip restores the convertible flag of the digital data volume from a non-convertible state to a convertible state through its internal hardware circuitry; send a channel release instruction to the consortium blockchain clearing module, and the consortium blockchain clearing module removes the corresponding denial rule from the access control list of the distributed ledger according to the channel release instruction; and restore the digital data volume corresponding to the user to the value before freezing.

[0026] Thirdly, an electronic device is provided, comprising: one or more processors; one or more memories; and one or more programs, wherein the one or more programs are stored in the one or more memories, and the one or more programs include instructions that, when executed by the one or more processors, cause the configured device to perform the method as described in the first aspect.

[0027] Fourthly, a computer storage medium is provided, the computer storage medium storing instructions that, when executed by a computer, cause the computer to perform the method described in the first aspect or the second aspect.

[0028] Fifthly, a computer program product is provided, the computer program product storing instructions that, when executed by a computer, cause the computer to perform the method described in the first aspect or the second aspect.

[0029] The beneficial effects of the second to fifth aspects can be referred to the introduction of the beneficial effects of the first aspect above, and will not be repeated here. Attached Figure Description

[0030] Figure 1 This is a flowchart illustrating a multi-level data object management method based on physical precious metal anchoring, as provided in an embodiment of the present invention. Figure 2 A flowchart illustrating a multi-level data object management method based on physical precious metal anchoring provided in an embodiment of the present invention; Figure 3 This is a schematic diagram of a multi-level data object management device based on physical precious metal anchoring that can be used to implement the method of the present invention; Figure 4 This is a schematic diagram of an electronic device provided by the present invention. Detailed Implementation

[0031] The solutions provided by the embodiments of the present invention will now be described with reference to the accompanying drawings. In the embodiments of the present invention, "multiple" refers to two or more objects, and "various kinds" refers to two or more types. Terms such as "first," "second," etc., are only used to distinguish similar objects and are not necessarily used to describe a specific order or number of objects.

[0032] Against the backdrop of rapid development in digital finance and cross-border payments, multi-tiered credit asset management systems anchored to physical precious metals are gradually becoming an important technological direction for cross-border financial infrastructure. These systems typically use physical precious metals such as Au99.99 as the value anchor, expanding digital credit limits through multi-tiered credit derivative mechanisms, and relying on distributed ledger technologies such as consortium blockchains and smart contracts to achieve RMB-denominated cross-border targeted clearing. When the system is operating normally, information on the custody of physical precious metals, traceable records of the credit derivative process, and the debt sustainability index of the sovereign entity are all collected and processed in real time through technological means, allowing users to complete secure and verifiable cross-border payment operations. If the above status data can be obtained in a timely manner, the system can trigger automated risk control processes such as credit limit freezing and clearing channel blocking in advance, reducing the risk of asset de-anchoring caused by data distortion or system delays. Therefore, the reliable data collection technology for value anchoring, the traceability technology for the credit derivative process, and the real-time calculation technology for sovereign risk in multi-tiered credit asset systems anchored to physical precious metals are crucial to the technological security of the entire financial infrastructure.

[0033] However, the generation of credit limits and changes in risk status only dynamically manifest during user interactions and external data fluctuations, exhibiting highly time-varying and concealed characteristics. These cannot be obtained through static asset registration or one-time credit assessments, but can only be indirectly calculated using custodian data, transaction behavior data, and external sovereign indicators collected in real time by the system, aided by embedded quantitative anchoring algorithms and risk models. Currently, existing technologies suffer from the following technical shortcomings.

[0034] There is a lack of technological linkage between physical assets and digital credit. Existing systems lack hardware carriers and data collection methods for physical-digital anchoring. The custody, ownership transfer, and transaction records of physical precious metals cannot be traced throughout their entire lifecycle through technologies such as chips and unique identifiers. This results in a lack of verifiable physical foundations for the value support of digital credit, leading to insufficient traceability accuracy and tamper resistance.

[0035] Cross-border clearing relies on centralized architecture, with insufficient application of distributed technologies. Existing cross-border payment systems mostly adopt centralized servers or ledger architectures controlled by a single institution, which have technical problems such as single point of failure risk, data synchronization delays, and difficulties in establishing trust across institutions. There is a lack of autonomous clearing technology solutions based on consortium blockchain distributed ledgers and PBFT consensus mechanisms, which limits the automation and censorship resistance of the clearing process.

[0036] Sovereign credit assessment technical models are rigid and lack dynamic data-driven capabilities. Existing risk assessment methods mostly use static indicator systems or offline updated scorecards, which cannot collect multi-dimensional data such as sovereign ratings, foreign exchange reserves, and project investment returns in real time through APIs, web crawlers, and other technologies. They also lack weighted summation algorithms that support dynamic weight adjustment and automated threshold comparison mechanisms, resulting in insufficient timeliness and accuracy of risk calculations and the inability to achieve automated risk control command transmission across modules.

[0037] The credit expansion process lacks algorithmic controllable and traceable mechanisms. In existing digital credit systems, key parameters such as the credit limit generation multiplier, redemption ratio, and usage period are mostly configured manually or implemented through fixed code. There is a lack of dynamic quantitative algorithms based on the face value of custodied assets. Furthermore, the generation, redemption, use, and cancellation of credit limits are not linked to distributed ledgers and hardware chips, making it impossible to achieve full-process technical traceability of the credit expansion process. This easily leads to risks of technical loss of control, such as over-issuance of credit limits or duplicate redemptions.

[0038] Existing technical solutions do not form an integrated four-layer technical coupling architecture. Existing stablecoin and cross-border payment systems only solve technical problems in a single link (such as on-chain accounting or wallet management), and lack a complete technical architecture that integrates "physical asset anchoring hardware, digital credit generation algorithms, consortium blockchain clearing smart contracts, and big data risk control dynamic models" into a hierarchical linkage. They cannot simultaneously solve multiple technical requirements such as reliable data collection for value anchoring, controllable credit derivation process, distributed autonomous execution of clearing, and real-time automated risk handling.

[0039] Therefore, there is an urgent need to establish a multi-level credit asset management system and method based on physical precious metals. This system should utilize cross-domain technologies such as hardware carriers integrating nanomaterials and chips, quantitative anchoring and algorithmic credit derivatives, consortium blockchain smart contract clearing, and multi-dimensional data-driven dynamic risk control models to solve the technical problems existing in the above-mentioned technologies, such as the lack of physical-digital linkage, centralized clearing architecture, static risk assessment, uncontrollable credit expansion, and fragmented system architecture.

[0040] To address the technical problems in existing technologies, such as the lack of linkage between physical assets and digital identification technologies, reliance on centralized architecture for cross-border clearing leading to single points of failure and data synchronization delays, static sovereign entity assessment models lacking real-time data-driven capabilities, lack of algorithmic controllability and traceability mechanisms in asset expansion, and fragmentation of functional modules failing to form an integrated technical coupling architecture, this invention proposes a multi-layered asset management system and method based on physical precious metal anchoring. By constructing a four-layer technical coupling architecture—"physical asset anchoring module—digital asset derivation module—consortium blockchain clearing module—big data risk control module"—the physical anchoring layer employs an Au99.99 precious metal substrate, a nano-carbon alloy composite coating carrier, and a smart precious metal terminal with a built-in NFC / RFID dual-band security chip to achieve hardware-level binding and full lifecycle data traceability between physical assets and digital identifiers. The digital asset derivation layer incorporates an algorithm for generating digital asset quotas three times the custodial face value and a 1:1 targeted exchange technology logic, achieving algorithmic controllability and on-chain traceability of asset expansion. The consortium blockchain clearing layer... The system deploys a distributed ledger and smart contracts with pre-clearing dual verification logic. These contracts verify whether the transaction product / service has completed the filing of the specified technical standards and whether the payment terminal is a system-certified smart precious metal terminal. If any condition is not met, the clearing process is automatically terminated, enabling autonomous and controllable targeted clearing operations. In the big data risk control layer, three types of data—sovereign rating, foreign exchange reserves, and project return rate—are collected in real time through API and web crawling technology. The sustainability index is dynamically calculated using a weighted summation algorithm and classified into three levels: A, B, and C. When the index reaches the C-level threshold, asset freezing and clearing blocking instructions are automatically sent across modules. This method does not rely on static asset registration or manually set risk control thresholds, avoiding the technical deficiencies of traditional centralized clearing systems, static evaluation models, and pure digital asset solutions in terms of architectural reliability, data timeliness, traceability integrity, and system linkage. It realizes automatic generation of asset quotas based on real-time custody data and external indicators, automatic clearing verification, dynamic risk warning, and automatic cross-module execution of risk control instructions. While improving anchor credibility, expansion controllability, clearing autonomy security, and risk control real-time performance, it provides a distributed, traceable, and dynamically adaptable technical solution for the construction of cross-domain financial infrastructure.

[0041] The specific implementation steps of the present invention will be described in detail below.

[0042] Will combine with appendix Figure 1 This invention provides a detailed description of a multi-level data object management method based on physical precious metal anchoring, the method comprising the following steps: In step S1, the physical precious metal substrate is hosted and the system is initialized.

[0043] In this embodiment of the invention, the user submits an Au99.99 physical precious metal substrate to a designated custodian institution. The custodian institution uses vacuum induction melting and casting technology to confirm the purity and specifications of the substrate. The substrate is weighed using a high-precision electronic balance and its elemental composition is detected using an X-ray fluorescence spectrometer. The detection results are uploaded to the business processing server to configure the face value quantification and recognition algorithm unit in the physical asset anchoring module, completing system initialization.

[0044] Specifically, the administrators used a calibrated electronic balance with standard weights to weigh the precious metal substrate and a handheld XRF analyzer to detect the Au content. The data was transmitted to the server via an RS232 serial port. Taking Au99.99 substrate as an example, typical parameters are: mass 31.1035g, diameter 20mm, and face value of 10,000 yuan. These parameters will serve as the basic input for subsequent digital data generation algorithms.

[0045] In step S2, the generation of unique identifiers and the uploading of distributed ledger data to the blockchain are initiated.

[0046] After confirming the substrate verification is successful, the server invokes the identifier generation technology unit to assign a 64-bit globally unique identifier (GUID) to each physical precious metal substrate. Specifically, the encoding rule is: institution code (8 bits) + precious metal batch number (16 bits) + serial number (24 bits) + checksum (16 bits). This identifier generates a digest using a hash algorithm and writes it into the consortium blockchain distributed ledger.

[0047] Simultaneously, the custodian institution stores the substrate in designated vault locations using standardized warehousing technology, with each location number bound to a GUID. The server broadcasts the custodian event to the endorsing nodes of the consortium blockchain via TCP / IP protocol. After PBFT consensus, an immutable custodian record is generated, containing: the substrate GUID, the custodian's digital certificate fingerprint, the vault entry timestamp, and the location coordinates.

[0048] Specifically, taking a user holding a 1 million yuan denomination coin as an example, the system generates a GUID of BOC_20250629_000001_ABCD. After its hash digest is uploaded to the blockchain, the user can query the "custody status: already in the warehouse" through the business processing terminal.

[0049] In step S3, the digital data volume is generated algorithmically.

[0050] The server, based on the face value of the physical precious metal held by the user, invokes a built-in data generation algorithm to generate corresponding digital data based on the held face value at preset multiples. The algorithm uses multiplication logic: Digital data amount = held face value × N, where N is an integer greater than 1. The result is stored in the database as an unsigned long integer and mapped to the user's digital data account.

[0051] The validity period and escrow period of this digital data are bound together by system technology. The binding relationship is recorded in the "Data Volume, Escrow Mapping Table" of a relational database and synchronously written to the consortium blockchain. The server also generates a pair of asymmetric keys: the public key is used for subsequent operation verification, and the private key is stored by the user's smart terminal.

[0052] Specifically, for a base with a managed face value of 1 million yuan, the system calculates the digital data volume to be 3 million yuan. The system log shows: "[INFO] User ID: U10001, Managed Face Value: 1,000,000, Generated Data Volume: 3,000,000, Algorithm Version: v1.0, Timestamp: 2025-06-29T10:30:00.123Z".

[0053] In step S4, the smart hardware terminal is initialized and the security chip is written.

[0054] Users submit digital data conversion instructions through the business processing terminal. The server invokes preset conversion logic to convert the user-specified digital data into precious metal carriers of equal face value. The server allocates precious metal carriers of corresponding face value from its managed inventory and establishes a technical association with the user's managed physical precious metal substrate.

[0055] The server communicates with smart hardware terminals via a USB-IC reader / writer. The reader / writer operates at a frequency of 13.56MHz and uses the ISO14443 protocol. It writes the following data into the built-in NFC / RFID security chip: anchor base GUID, digital data volume, user public key hash, initial serial number, and expiration time stamp.

[0056] During the writing process, the chip's built-in anti-tampering hardware circuitry enables write protection. After all data verification passes, the server sends a locking command, and the chip is set to the "initialized" state. After the chip is successfully locked, it returns an acknowledgment frame to the reader via NFC. Upon receiving this frame, the server records the terminal initialization completion log.

[0057] Specifically, taking a ring-shaped smart terminal as an example, the operator places the ring in the reader's sensing area, and the system interface displays "Chip recognition successful, start writing".

[0058] The structure of the written data packet is as follows: [Header:0xAA][GUID:64B][Amount:4B][PubKeyHash:32B][Seq:2B][Expire:8B][CRC:2B][Tail:0xBB].

[0059] The write process takes approximately 350ms. After the confirmation frame is returned, the terminal's LED indicator flashes green twice to indicate to the user that initialization is complete.

[0060] It should be understood that, for example, the following is a table of matching face values ​​and specifications for solid precious metal substrates and precious metal carriers.

[0061]

[0062] Table 1. Matching Table of Solid Precious Metal Substrates, Precious Metal Carriers, and Specifications The preparation of the physical precious metal substrate involves melting Au99.99 pure gold using vacuum induction melting casting technology to cast physical precious metal substrates of the aforementioned face value, corresponding to the designed diameter specifications. After casting, the purity is tested using high-precision purity testing technology to ensure a testing accuracy of 0.0001%. Laser micro-engraving patterns are created on the substrate surface, and anti-counterfeiting serrations are processed on the edges. After completion, the substrates are placed in a bank vault and managed through standardized warehousing and custody technology. The system assigns a unique digital identifier to each substrate using unique identifier generation technology and records it in the system and distributed ledger.

[0063] The precious metal carrier is prepared by melting a nano-carbon silver alloy with Ag 92.5%, nano-carbon C 1.0%, Cu 5.2%, and Zn 1.3% in a specific ratio, and then using vacuum melting technology to form a substrate. The substrate is guaranteed to have a tensile strength ≥320MPa and an elongation ≥15%. A composite coating of nano-carbon and titanium with a mass ratio of 3:7 is prepared on the substrate surface. The coating adhesion is tested to be ≥45N, resistance to neutral salt spray corrosion ≥1000 hours, and hardness HV ≥500. A nanoscale laser dot array with a dot diameter of 500nm and a spacing of 1μm, along with an invisible fluorescent pattern with an excitation wavelength of 365nm and an emission wavelength of 530nm, is created on the carrier surface to form a micro-nano structure anti-counterfeiting technology layer. Precious metal credit carriers of the above face value are then cast, matching the face value of the physical precious metal base. After completion, they are placed in a bank vault and managed using standardized warehousing and custody technology.

[0064] The preparation and technical initialization of the smart precious metal terminal are achieved through the following steps: First, a two-tone, one-piece molded ring is made with an outer ring of Au99.99 precious metal and an inner ring of nano-carbon silver alloy, with an invisible magnetic chip compartment structure on the inside. An NFC / RFID dual-band security chip (communication protocol ISO14443 / ISO18000-6C, encryption algorithm SM2 / SM4) is encapsulated in the chip compartment, completing the technical binding between the chip and the system. After the user completes the precious metal base custody and credit carrier exchange, the system uses chip writing technology to write the unique identifier anchored to the precious metal base, the user's digital credit limit, and asset ownership information into the chip, completing the chip information locking operation. The chip sends a technical confirmation signal back to the system, generating a dedicated smart precious metal terminal. The chip synchronizes all subsequent transaction records in real time.

[0065] In step S5, real-time data acquisition and preprocessing are initiated.

[0066] The system initiates multi-source data acquisition tasks through the data acquisition technology unit. The acquisition unit obtains three types of core data using the following techniques: First, regional-level data: periodically retrieved from authorized data sources via API interfaces; second, resource reserve data: collected from relevant official websites or open data platforms using distributed crawler technology, and then parsed to extract values; and third, project performance data, obtained in real-time from the user's linked project management system, in CSV or Protobuf format.

[0067] The collected raw data first enters the preprocessing pipeline. The data cleaning module removes null values, duplicate values, and outliers exceeding the historical mean by ±3 standard deviations. The standardization module maps the raw values ​​to standardized scores within the range of 0 to 100 points according to a preset scoring table. Taking regional levels as an example: Level 1: 98 points, Level 2: 92 points, Level 3: 85 points, Level 4: 75 points, and Level 5 and below: 50 points.

[0068] Specifically, real-time data for a certain jurisdiction area: regional level 2, score 92; resource reserve coverage rate 135%, mapping score 85; project efficiency value 7.5%, mapping score 78.

[0069] After preprocessing, a JSON object is generated: {"region_score":92,"reserve_score":85,"efficiency_score":78, "timestamp":"2025-06-29T12:00:00Z"}.

[0070] In step S6, the weighted summation of the comprehensive index is calculated and the grade is determined.

[0071] The server invokes the index calculation technology unit to dynamically calculate the composite index using a weighted summation algorithm.

[0072] The algorithm formula is: Comprehensive Index = α × Regional Level Score + β × Resource Reserve Score + γ × Project Effectiveness Score. Where α, β, and γ are dynamic weighting coefficients, with default values ​​of (0.4, 0.3, 0.3), ranging from 0 to 1, and summing to 1. The coefficients can be adjusted based on real-time data using the system's dynamic adjustment technology. The adjustment logic employs sliding window regression: calculating the optimal weights every 24 hours based on the most recent 30 sets of historical data.

[0073] The calculated index is divided into three levels by a threshold comparator: Level A: Index ≥ 80 (normal state); Level B: Index ≤ 60 < 80 (enhanced monitoring); Level C: Index < 60 (warning state). The scoring results are written to the time-series database in real time and synchronized to the monitoring nodes of the consortium blockchain.

[0074] Specifically, for the example data (92, 85, 78) in step S5, the default weights are used for calculation: 92 × 0.4 + 85 × 0.3 + 78 × 0.3 = 36.8 + 25.5 + 23.4 = 85.7. The threshold comparator outputs level A, and the system marks this subject as "normal," without triggering any control commands.

[0075] If the data for a certain jurisdiction changes to: Region Level 4 (75 points), Resource Reserve Coverage Rate (80%) (65 points), Project Efficiency Value (4%) (60 points), then the index = 75 × 0.4 + 65 × 0.3 + 60 × 0.3 = 30 + 19.5 + 18 = 67.5, which is classified as Level B, and the system will activate enhanced monitoring. If the index further drops to 55 points, it will be classified as Level C.

[0076] In step S7, control commands are automatically transmitted and executed across modules.

[0077] When the comprehensive index is below a preset threshold and the level is C, the automatic instruction execution technology unit immediately generates system-level technical instructions. The instruction format is a binary frame, containing: instruction type, target user identifier hash, timestamp, and digital signature.

[0078] The instructions are sent to the digital data derivation module and the consortium blockchain processing module via the server push channel. Upon receiving the freeze instruction, the digital data derivation module changes the corresponding user's "data volume convertibility flag" from convertible to non-convertible, records the freeze timestamp, and simultaneously pushes a system notification to the user's terminal. Upon receiving the channel blocking instruction, the consortium blockchain processing module adds a rejection rule to the distributed ledger's access control list (ACL), such as `IF (user == target) THEN reject_all_requests)`. This rule is synchronized to all nodes through the consensus mechanism.

[0079] Specifically, when a C-level user's smart terminal initiates an operation request, the consortium blockchain processing module first queries the ACL, finds a blocking rule, and the smart contract immediately returns a rejection code, halting the process. The terminal displays "Operation failed: System restriction." Similarly, when the user attempts to convert data volume, the digital data derivation module returns an error code, and the terminal displays "Data volume conversion frozen."

[0080] In step S8, control is released and the system state is restored.

[0081] The system continuously monitors data changes within the same jurisdiction through a real-time data acquisition technology unit. When the comprehensive index remains stable above a preset threshold for a continuous preset duration and the level recovers to B or A, the instruction release technology unit automatically generates a release instruction.

[0082] The release instruction frames, type 0x03 (release data volume freeze) and 0x04 (release channel block), are sent to downstream modules via the same push channel. The digital data derivation module restores the "data volume convertible flag" to a convertible state and invokes the system's technical recovery mechanism to recalculate and fully restore the digital data volume based on a preset multiple of the original escrow base value. The consortium blockchain processing module removes the corresponding rejection rule from the ACL and records the release operation by appending blocks.

[0083] Simultaneously, the server pushes a "Control Released" notification to the user's terminal, allowing the user to re-initiate data conversion and operation requests. The used data can be converted again by the user through a cyclical conversion logic after the user returns the corresponding precious metal carrier.

[0084] Specifically, a user's original managed data had a face value of 1 million yuan. Before the control was lifted, 2 million yuan of data had been converted and used, and the remaining 1 million yuan of data was frozen. After the control was lifted, the system restored the total data volume to 3 million yuan. The used 2 million yuan of data could be converted back to a new volume after the user returned an equivalent amount of precious metal carrier to the managed institution, through chip data synchronization.

[0085] In summary, the embodiments of this application achieve hardware-level trusted binding between physical assets and digital data objects, controllable data generation, and dynamic adaptive risk control through physical precious metal substrate hosting and unique identifier generation, preset multiple digital data volume generation, hardware security chip binding and writing, dynamic weighted calculation of multi-dimensional indicators in the jurisdiction, and threshold-based cross-module freeze / restore instruction transmission. This overcomes the problems of data over-issuance or channel out-of-control caused by the lack of technical linkage between physical assets and digital objects, insufficient offline verification capabilities, and rigid control logic in existing technologies. It significantly improves the reliability, tamper resistance, and dynamic adaptability of data object management.

[0086] The following will be combined with the appendix Figure 2 This invention provides a detailed description of a multi-level data object management method based on physical precious metal anchoring, the method comprising the following steps: 210: Obtain the physical precious metal substrate of the managed user, and generate a substrate identifier based on the attribute information of the physical precious metal substrate; wherein the physical precious metal substrate is a standardized physical anchor. 220: Generate corresponding digital data based on the face value of the physical precious metal substrate at a preset multiple; 230: In response to the host user's instruction, the digital data volume is converted into a precious metal carrier at a preset ratio, and the base identifier, the digital data volume, and the host user information are written into the security chip of the precious metal carrier; wherein, the security chip is embedded inside the precious metal carrier; 240: Based on the regional level data, reserve coverage data, and project performance data of the managed user's jurisdiction, a comprehensive index is obtained for the managed user; 250: When the comprehensive index is lower than the preset threshold, a freeze command is sent to the security chip. The security chip modifies the convertible flag of the digital data to a non-convertible state to perform the digital data freezing or processing channel shielding operation. 260: When the comprehensive index recovers to a level higher than the preset threshold, a release command is sent to the security chip, and the security chip restores the convertible flag to a convertible state and restores the digital data volume.

[0087] In this way, through the hosting and unique identification of physical precious metal substrates, the generation of preset multiples of digital data volume, the binding and writing of hardware security chips, the dynamic weighted calculation of multi-dimensional indicators in the jurisdiction, and the transmission of cross-module freeze / restore instructions based on thresholds, hardware-level trusted binding, controllable data volume generation, and dynamic adaptive risk control between physical assets and digital data objects are achieved. This overcomes the problems of excessive data volume or uncontrolled channels caused by the lack of technical linkage between physical assets and digital objects, insufficient offline verification capabilities, and rigid control logic in existing technologies, and significantly improves the credibility, anti-tampering ability, and dynamic adaptation capability of data object management.

[0088] In some embodiments, generating a substrate identifier based on the property information of the physical precious metal substrate includes: The purity, quality, and face value of the physical precious metal substrate are detected, a global identifier is generated using a hash algorithm, and the identifier is recorded in the distributed ledger as the substrate identifier.

[0089] In this way, by leveraging the immutability of distributed ledgers, the global uniqueness and traceability of the base identifier are guaranteed.

[0090] In some embodiments, generating corresponding digital data based on the face value of the physical precious metal substrate at a preset multiple includes: The face value of the physical precious metal substrate is multiplied by the preset multiple to obtain the digital data quantity; the preset multiple is an integer greater than 1.

[0091] In this way, the digital data volume can be expanded in a controllable manner through the multiple relationship, which is different from the traditional 1:1 anchoring method.

[0092] In some embodiments, the step of converting the digital data volume into a precious metal carrier at a preset ratio, and writing the substrate identifier, the digital data volume, and the hosted user information into the security chip of the precious metal carrier includes: The digital data is converted into precious metal carriers of equal value at a 1:1 ratio; the base identifier, the digital data, and the public key hash value of the custodian user are written into the security chip via a near-field communication reader; after writing is completed, the security chip is locked, and a confirmation signal returned by the security chip is received.

[0093] By using near-field communication writing and hardware locking, the data inside the chip is ensured to be immutable, achieving a one-to-one binding between digital data and physical carrier.

[0094] In some embodiments, obtaining the comprehensive index of the managed user based on regional level data, reserve coverage data, and project performance data of the managed user's jurisdiction includes: The regional level data, the reserve coverage data, and the project effectiveness data are quantified and mapped into standardized scores respectively; the comprehensive index is calculated using a weighted summation algorithm, which involves multiplying the regional level score by a first weight coefficient, the reserve coverage score by a second weight coefficient, and the project effectiveness score by a third weight coefficient, and then summing them up, wherein the sum of the first weight coefficient, the second weight coefficient, and the third weight coefficient is 1, and each weight coefficient can be dynamically adjusted.

[0095] By using a weighted summation with dynamically adjustable weights, a real-time, multi-dimensional quantitative assessment of the risk status of the jurisdiction is achieved.

[0096] In some embodiments, when the composite index is lower than a preset threshold, a freeze command is sent to the security chip, and the security chip modifies the convertible flag of the digital data volume to a non-convertible state to perform the digital data volume freeze or processing channel blocking operation, including: When the comprehensive index is determined to be lower than the preset threshold, a binary instruction frame containing the instruction type, managed user identifier, and timestamp is generated. The binary instruction frame is sent to the security chip via the server push channel; after receiving the binary instruction frame, the security chip modifies the convertible flag of the digital data from a convertible state to a non-convertible state through its internal hardware circuit. A channel blocking instruction is sent to the consortium blockchain clearing module, which then adds a denial rule to the access control list of the distributed ledger based on the channel blocking instruction.

[0097] In this way, cross-module instruction transmission is achieved through binary instruction frames and server push channels, and the security chip hardware circuit directly modifies the convertible flag bit, realizing an unbypassable offline freeze; at the same time, the consortium blockchain clearing module synchronously updates the access control list, forming a dual risk control barrier on the network side and the hardware side.

[0098] In some embodiments, when the composite index recovers to a level higher than the preset threshold, a release command is sent to the security chip, and the security chip restores the convertible flag to a convertible state and recovers the digital data volume, including: When it is determined that the comprehensive index has recovered to a level higher than the preset threshold, a binary release instruction frame containing the instruction type, the managed user identifier, and the timestamp is generated; The binary deactivation instruction frame is sent to the security chip via the server push channel; after receiving the binary deactivation instruction frame, the security chip restores the convertible flag of the digital data from a non-convertible state to a convertible state through its internal hardware circuit. Send a channel release instruction to the consortium blockchain clearing module, and the consortium blockchain clearing module removes the corresponding denial rule from the access control list of the distributed ledger according to the channel release instruction; Restore the digital data volume corresponding to the hosted user to the value before freezing.

[0099] In this way, through symmetrical release commands and chip hardware recovery, the data volume and its convertibility are fully restored after the risk control is released, forming a closed-loop control.

[0100] The following will be combined with the appendix Figure 3 This invention provides a detailed description of a multi-level data object management system based on physical precious metal anchoring, including: The substrate management unit is used to obtain the physical precious metal substrate of the managed user and generate a substrate identifier based on the attribute information of the physical precious metal substrate; wherein the physical precious metal substrate is a standardized physical anchor. The data generation unit is used to generate corresponding digital data based on the surface value of the physical precious metal substrate by a preset multiple. The carrier exchange unit is used to respond to user instructions, exchange the digital data amount for a precious metal carrier at a preset ratio, and write the base identifier, the digital data amount and user information into the security chip of the precious metal carrier; wherein, the security chip is embedded inside the precious metal carrier; The index calculation unit is used to obtain the comprehensive index of the managed user based on the regional level data, reserve coverage data, and project performance data of the managed user's jurisdiction. The risk control execution unit is used to send a freeze command to the security chip when the comprehensive index is lower than a preset threshold, and the security chip modifies the convertible flag of the digital data volume to a non-convertible state to perform the freezing of the digital data volume or the processing channel blocking operation; and to send a release command to the security chip when the comprehensive index recovers to a level higher than the preset threshold, and the security chip restores the convertible flag to a convertible state and restores the digital data volume.

[0101] In some embodiments, the substrate management unit is specifically used to: detect the purity, quality and face value of the physical precious metal substrate, generate a global identifier through a hash algorithm, and record the identifier as the substrate identifier in the distributed ledger.

[0102] In some embodiments, the data generation unit is specifically used to: multiply the face value of the physical precious metal substrate by the preset multiple to obtain the digital data amount; the preset multiple is an integer greater than 1.

[0103] In some embodiments, the carrier exchange unit is specifically used to: exchange the digital data amount for a precious metal carrier of equal face value at a 1:1 ratio; write the base identifier, the digital data amount, and the user's public key hash value into the security chip via a near-field communication reader; lock the security chip after writing is completed, and receive a confirmation signal returned by the security chip.

[0104] In some embodiments, the index calculation unit is specifically used to: quantize and map the regional level data, the reserve coverage data, and the project effectiveness data into standardized scores respectively; calculate the comprehensive index using a weighted summation algorithm, that is, multiply the regional level score by a first weight coefficient, the reserve coverage score by a second weight coefficient, and the project effectiveness score by a third weight coefficient, and then sum them up, wherein the sum of the first weight coefficient, the second weight coefficient, and the third weight coefficient is 1, and each weight coefficient can be dynamically adjusted.

[0105] In some embodiments, the risk control execution unit is specifically used to: when the comprehensive index is determined to be lower than the preset threshold, generate a binary instruction frame containing instruction type, user identifier, and timestamp; send the binary instruction frame to the security chip through a server push channel; after receiving the binary instruction frame, the security chip modifies the convertible flag of the digital data quantity from a convertible state to a non-convertible state through its internal hardware circuit; send a channel blocking instruction to the consortium blockchain clearing module, and the consortium blockchain clearing module adds a denial rule to the access control list of the distributed ledger according to the channel blocking instruction.

[0106] In some embodiments, the risk control execution unit is further configured to: when it is determined that the comprehensive index has recovered to a level higher than the preset threshold, generate a binary release instruction frame containing an instruction type, user identifier, and timestamp; send the binary release instruction frame to the security chip via a server push channel; after receiving the binary release instruction frame, the security chip restores the convertible flag of the digital data volume from a non-convertible state to a convertible state through its internal hardware circuitry; send a channel release instruction to the consortium blockchain clearing module, and the consortium blockchain clearing module removes the corresponding denial rule from the access control list of the distributed ledger according to the channel release instruction; and restore the digital data volume corresponding to the user to the value before freezing.

[0107] Those skilled in the art will readily recognize that, based on the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein, the present invention can be implemented in hardware or a combination of hardware and computer software. Whether a function is implemented in hardware or by computer software driving hardware depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of the present invention.

[0108] It should be noted that, Figure 3 The division of modules / units is illustrative and represents only one logical functional division; in actual implementation, other division methods are possible. For example, two or more functions can be integrated into a single data acquisition module. The integrated modules described above can be implemented either in hardware or as software functional modules.

[0109] An electronic device according to an embodiment of the present invention includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements any of the above-mentioned multi-level data object management methods based on physical precious metal anchoring. That is, an electronic device according to an embodiment of the present invention may include, but is not limited to: a processor and a memory; the memory is used to store the computer program; the processor is used to execute the multi-level data object management method based on physical precious metal anchoring shown in any embodiment of the present invention by calling the computer program.

[0110] In one alternative embodiment, an electronic device is provided, such as Figure 4 As shown, Figure 4The illustrated electronic device 600 includes a processor 601 and a memory 603. The processor 601 and the memory 603 are connected, for example, via a bus 602. Optionally, the electronic device 600 may further include a transceiver 604, which can be used for data interaction between the electronic device and other electronic devices, such as sending and / or receiving data. It should be noted that in practical applications, the transceiver 604 is not limited to one type, and the structure of the electronic device 600 does not constitute a limitation on the embodiments of the present invention.

[0111] Among them, electronic devices can also be terminal devices, which can be any device that can install applications, including at least one of smartphones, tablets, laptops, desktop computers, smart speakers, smartwatches, smart TVs, and smart in-vehicle devices.

[0112] It should be noted that, Figure 4 The electronic device shown is merely an example and should not be construed as limiting the functionality and scope of the embodiments of the present invention.

[0113] An embodiment of the present invention provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements any of the above-mentioned multi-level data object management methods based on physical precious metal anchoring.

[0114] The above description is merely a preferred embodiment of the present invention and an explanation of the technical principles employed. Those skilled in the art should understand that the scope of disclosure in this invention is not limited to technical solutions formed by specific combinations of the above-described technical features, but should also cover other technical solutions formed by arbitrary combinations of the above-described technical features or their equivalents without departing from the above-disclosed concept. For example, technical solutions formed by substituting the above features with (but not limited to) technical features with similar functions disclosed in this invention.

[0115] It should be noted that the terms "first," "second," etc., used in the specification and claims of this invention are used to distinguish similar objects and represent a limitation on a specific order or sequence. Where appropriate, the order of use for similar objects can be interchanged so that the embodiments of the invention described herein can be implemented in an order other than that shown or described.

[0116] Those skilled in the art will recognize that this invention can be implemented as a system, method, or computer program product. Therefore, this invention can be specifically implemented in the following forms: it can be entirely hardware, entirely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software, generally referred to herein as a "circuit," "module," or "system." Furthermore, in some embodiments, this invention can also be implemented as a computer program product contained in one or more computer-readable media, which includes computer-readable program code.

[0117] Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention. Those skilled in the art can make changes, modifications, substitutions and variations to the above embodiments within the scope of the present invention.

Claims

1. A multi-level data object management method based on physical precious metal anchoring, characterized in that, include: Obtain the physical precious metal substrate of the managed user, and generate a substrate identifier based on the attribute information of the physical precious metal substrate; The solid precious metal substrate mentioned above is a standardized physical anchor. Based on the surface value of the physical precious metal substrate, generate corresponding digital data volume at a preset multiple; In response to the host user's instruction, the digital data volume is converted into a precious metal carrier at a preset ratio, and the base identifier, the digital data volume, and the host user information are written into the security chip of the precious metal carrier; wherein, the security chip is embedded inside the precious metal carrier; The comprehensive index of the managed user is obtained based on the regional level data, reserve coverage data, and project effectiveness data of the jurisdiction to which the managed user belongs. When the comprehensive index is lower than a preset threshold, a freeze command is sent to the security chip. The security chip modifies the convertible flag of the digital data to a non-convertible state to perform the digital data freezing or processing channel blocking operation. When the comprehensive index recovers to a level higher than the preset threshold, a release command is sent to the security chip, and the security chip restores the convertible flag to a convertible state and restores the digital data volume.

2. The method according to claim 1, characterized in that, The step of generating a substrate identifier based on the attribute information of the physical precious metal substrate includes: The purity, quality, and face value of the physical precious metal substrate are detected, a global identifier is generated using a hash algorithm, and the identifier is recorded in the distributed ledger as the substrate identifier.

3. The method according to claim 1, characterized in that, The step of generating corresponding digital data based on the surface value of the physical precious metal substrate at a preset multiple includes: The face value of the physical precious metal substrate is multiplied by the preset multiple to obtain the digital data quantity; the preset multiple is an integer greater than 1.

4. The method according to claim 1, characterized in that, The step of converting the digital data into a precious metal carrier at a preset ratio, and writing the base identifier, the digital data, and the hosting user information into the security chip of the precious metal carrier includes: The digital data will be converted into precious metal carriers of equal face value at a 1:1 ratio. The base identifier, the amount of digital data, and the public key hash value of the custodian user are written into the security chip using a near-field communication reader / writer. After the writing is complete, the security chip is locked, and an acknowledgment signal is received from the security chip.

5. The method according to claim 1, characterized in that, The comprehensive index of the managed user is obtained based on the regional level data, reserve coverage data, and project performance data of the managed user's jurisdiction, including: The regional level data, the reserve coverage data, and the project effectiveness data are respectively quantified and mapped into standardized scores; The comprehensive index is calculated using a weighted summation algorithm, which involves multiplying the regional level score by a first weighting coefficient, the reserve coverage score by a second weighting coefficient, and the project effectiveness score by a third weighting coefficient, and then summing the results. The sum of the first weighting coefficient, the second weighting coefficient, and the third weighting coefficient is 1.

6. The method according to claim 1, characterized in that, When the comprehensive index is lower than a preset threshold, a freeze command is sent to the security chip. The security chip modifies the convertible flag of the digital data to a non-convertible state to perform the digital data freeze or channel blocking operation, including: When the comprehensive index is determined to be lower than the preset threshold, a binary instruction frame containing the instruction type, managed user identifier, and timestamp is generated. The binary instruction frame is sent to the security chip via the server push channel; After receiving the binary instruction frame, the security chip modifies the convertible flag of the digital data from a convertible state to a non-convertible state through its internal hardware circuit. A channel blocking instruction is sent to the consortium blockchain clearing module. The consortium blockchain clearing module adds a denial rule to the access control list of the distributed ledger according to the channel blocking instruction. The consortium blockchain clearing module is a technical component based on the consortium blockchain distributed ledger, which is equipped with intelligent verification logic and maintains an access control list. It is used to perform payment clearing operations and respond to risk control instructions to realize channel blocking and restoration.

7. The method according to claim 1, characterized in that, When the comprehensive index recovers to a level higher than the preset threshold, a release command is sent to the security chip. The security chip then restores the convertible flag to a convertible state and recovers the digital data, including: When it is determined that the comprehensive index has recovered to a level higher than the preset threshold, a binary release instruction frame containing the instruction type, managed user identifier, and timestamp is generated; The binary deactivation instruction frame is sent to the security chip via the server push channel; After receiving the binary deactivation instruction frame, the security chip restores the convertible flag of the digital data from a non-convertible state to a convertible state through its internal hardware circuitry. Send a channel release instruction to the consortium blockchain clearing module, and the consortium blockchain clearing module removes the corresponding denial rule from the access control list of the distributed ledger according to the channel release instruction; Restore the digital data volume corresponding to the hosted user to the value before freezing.

8. A multi-level data object management system based on physical precious metal anchoring, characterized in that, include: The substrate management unit is used to obtain the physical precious metal substrate of the managed user and generate a substrate identifier based on the attribute information of the physical precious metal substrate. The solid precious metal substrate mentioned above is a standardized physical anchor. The data generation unit is used to generate corresponding digital data based on the surface value of the physical precious metal substrate by a preset multiple. The carrier exchange unit is used to respond to user instructions, exchange the digital data amount for a precious metal carrier at a preset ratio, and write the base identifier, the digital data amount and user information into the security chip of the precious metal carrier; wherein, the security chip is embedded inside the precious metal carrier; The index calculation unit is used to obtain the comprehensive index of the managed user based on the regional level data, reserve coverage data, and project performance data of the managed user's jurisdiction. The risk control execution unit is used to send a freeze command to the security chip when the comprehensive index is lower than a preset threshold, and the security chip modifies the convertible flag of the digital data volume to a non-convertible state to perform the freezing of the digital data volume or the processing channel blocking operation; and to send a release command to the security chip when the comprehensive index recovers to a level higher than the preset threshold, and the security chip restores the convertible flag to a convertible state and restores the digital data volume.

9. An electronic device, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the multi-level data object management method based on physical precious metal anchoring as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores at least one computer program, which is loaded and executed by a processor to enable the computer to implement the multi-level data object management method based on physical precious metal anchoring as described in any one of claims 1 to 7.

Images