A blockchain-based consumption asset conversion and value-added system

Abstract

This invention provides a blockchain-based consumer asset conversion and value-added system, belonging to the field of blockchain technology. This system includes modules for user registration, wallet management, asset conversion, value-added calculation, and data security. The user registration module ensures identity verification; the wallet management module generates public-private key pairs and processes wallet operations; the asset conversion module converts consumption amounts into digital assets according to an algorithm; the value-added calculation module monitors consumption data and distributes dividends; and the data security module ensures security throughout the entire process by optimizing asset conversion through innovative algorithms, such as incorporating factors like consumption time and product category; employing advanced encryption technology and blockchain characteristics to ensure data security; and simplifying the operation process while providing a clear interface to improve user experience. This effectively solves the problems of inflexible asset conversion, insufficient data security, and poor user experience in existing technologies, thus promoting technological progress in the field of consumer asset processing.

Description

Technical Field

[0001] This invention belongs to the field of blockchain technology, specifically relating to a blockchain-based consumer asset conversion and value-added system. Background Technology

[0002] In today's trend of digital consumption, blockchain technology is increasingly being applied in the field of consumer asset processing. However, existing technologies still have many problems to be solved. On the one hand, the process of converting consumer assets often lacks accuracy and flexibility. Most systems convert consumption amounts into digital assets based on a single calculation method, failing to fully consider different consumption scenarios and market dynamics. This results in unreasonable asset conversion outcomes that cannot effectively meet the diverse needs of users. At the same time, data security measures are not yet perfect. Security vulnerabilities exist in key links such as public and private key generation, data transmission and storage, making them vulnerable to hacker attacks and putting user assets at risk. There is also a significant risk of privacy leaks. On the other hand, the user experience is poor. Cumbersome operation processes and unintuitive interface designs make users feel inconvenienced during registration, asset conversion, and withdrawal, reducing their enthusiasm for participation.

[0003] To overcome the aforementioned problems, this invention proposes a blockchain-based consumer asset conversion and value-added system. By introducing an innovative algorithm mechanism, it optimizes consumer asset conversion by integrating multiple factors, improving the rationality and accuracy of conversion results, strengthening data security by employing advanced encryption technology and blockchain characteristics to ensure data security throughout the entire process, and focusing on user experience optimization by simplifying operation procedures, providing a clear interface, and enhancing user convenience and satisfaction. This effectively addresses the shortcomings of existing technologies and promotes technological progress in the field of consumer asset processing. Summary of the Invention

[0004] The purpose of this invention is to provide a blockchain-based consumer asset conversion and value-added system. This system addresses several issues in existing technologies. Firstly, existing consumer asset conversion methods lack accuracy and flexibility, employ simplistic calculations that fail to consider various factors, and thus cannot meet diverse user needs. Furthermore, data security is inadequate, with vulnerabilities in public / private keys and data processing, increasing the risk of asset and privacy breaches for users. Secondly, cumbersome operation procedures and unintuitive interface designs result in poor user experience, inconvenience, and reduced user engagement.

[0005] To achieve the above objectives, the present invention provides the following technical solution:

[0006] A blockchain-based consumer asset conversion and value-added system, characterized by comprising:

[0007] The user registration module is used to receive personal information entered by users and verify the user's real identity through real-name authentication. The personal information includes mobile phone number and ID card number.

[0008] The wallet management module, connected to the user registration module, is used to generate a public-private key pair for the user using an encryption algorithm after the user determines the wallet type. The private key is kept secret, and the public key is used to generate a wallet address. The encryption algorithm includes, but is not limited to, elliptic curve cryptography. The wallet address is used to receive third-party asset pushes and perform withdrawal operations, including withdrawals to bank cards or payment software.

[0009] The asset conversion module, connected to the wallet management module, is used to receive the user's consumption amount data on the consumption platform, convert the consumption amount into digital assets according to the push algorithm and store them in the wallet. The push algorithm is: amount / 1.1 / current price = number of assets obtained, where "amount" is the user's consumption amount and "current price" is the real-time asset price in the market.

[0010] The value-added calculation module, connected to the asset conversion module, is used to calculate the asset value-added according to the value-added algorithm.

[0011] The data security module, connected to the user registration module, wallet management module, asset conversion module, and value-added computing module, is used to ensure the security and privacy of public and private key generation, data transmission, and storage processes.

[0012] As a preferred embodiment of the present invention, the user registration module verifies the user's identity by interface with the database of relevant institutions during real-name authentication to ensure that the user's identity is authentic and valid.

[0013] As a preferred embodiment of the present invention, the asset conversion module acquires the current market price data in real time when performing asset conversion, calculates the number of assets obtained by the user, and records the conversion result on the blockchain ledger.

[0014] As a preferred embodiment of the present invention, the value-added calculation module monitors all consumption data in real time, calculates changes in asset value periodically according to the value-added algorithm, and distributes dividends based on the number of assets held by the user. The dividend results are pushed to the user's wallet through the blockchain network, and the user can view the dividend details.

[0015] As a preferred embodiment of the present invention, when processing a withdrawal operation, the wallet management module verifies the user's identity and withdrawal information, and then sends the withdrawal request to the blockchain network for processing. After processing, the funds will be transferred to the user's designated account.

[0016] As a preferred embodiment of the present invention, the push algorithm in the asset conversion module can incorporate more influencing factors, such as consumption time and consumption category, to optimize the asset conversion results.

[0017] As a preferred embodiment of the present invention, the data security module can adopt a hybrid storage mode for data storage, combining cloud storage and other methods in addition to blockchain distributed storage to improve data storage efficiency and scalability.

[0018] Compared with the prior art, the beneficial effects of the present invention are:

[0019] 1. This solution optimizes the conversion of consumer assets by introducing innovative algorithmic mechanisms, such as incorporating factors like consumption time and product category into the push algorithm. Higher weighting coefficients are applied during peak consumption periods to encourage users to consume within specific timeframes, increasing the asset rewards they receive. Different conversion coefficients are set for different product categories to guide users to purchase high-value-added goods, making asset conversion more aligned with market demand and user consumption behavior, improving the rationality and accuracy of conversion results, and better meeting diverse user needs.

[0020] 2. This solution employs advanced encryption algorithms, such as elliptic curve cryptography, during the public and private key generation process. Combined with complex mathematical operations and a robust key management mechanism, it ensures the confidentiality of the private key and the security of the wallet address generated by the public key. During data transmission, all sensitive data is encrypted using secure transmission protocols, effectively preventing data theft or tampering during network transmission. For data storage, leveraging the distributed storage characteristics of blockchain, data is distributed across multiple nodes. Combined with encryption technology, this ensures data integrity and availability. Even in the face of node failures or attacks, data security is guaranteed, significantly reducing the risk to user assets and privacy breaches. Detailed Implementation

[0021] The technical solutions of the present invention will be clearly and completely described below with reference to the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of the present invention.

[0022] Example 1

[0023] This invention provides the following technical solutions:

[0024] A blockchain-based consumer asset conversion and value-added system, characterized by comprising:

[0025] The user registration module is used to receive personal information entered by users and verify the user's real identity through real-name authentication. The personal information includes mobile phone number and ID card number.

[0026] The wallet management module, connected to the user registration module, is used to generate a public-private key pair for the user using an encryption algorithm after the user determines the wallet type. The private key is kept secret, and the public key is used to generate a wallet address. The encryption algorithm includes, but is not limited to, elliptic curve cryptography. The wallet address is used to receive third-party asset pushes and perform withdrawal operations, including withdrawals to bank cards or payment software.

[0027] The asset conversion module, connected to the wallet management module, is used to receive the user's consumption amount data on the consumption platform, convert the consumption amount into digital assets according to the push algorithm and store them in the wallet. The push algorithm is: amount / 1.1 / current price = number of assets obtained, where "amount" is the user's consumption amount and "current price" is the real-time asset price in the market.

[0028] The value-added calculation module, connected to the asset conversion module, is used to calculate the asset value-added according to the value-added algorithm.

[0029] The data security module, connected to the user registration module, wallet management module, asset conversion module, and value-added computing module, is used to ensure the security and privacy of public and private key generation, data transmission, and storage processes.

[0030] In a specific embodiment of the present invention, one is the user registration module:

[0031] This module is the system's entry point and is responsible for collecting users' personal information, including key information such as mobile phone numbers and ID card numbers, in order to establish a unique identity for each user within the system.

[0032] By connecting with authoritative real-name authentication interfaces, the identity information entered by users is compared and verified with the databases of relevant institutions to ensure the authenticity and validity of user identities and prevent false registration and fraudulent activities.

[0033] Data interaction and processing:

[0034] It receives personal information entered by users on the front-end interface and transmits it to the back-end server in encryption.

[0035] The backend server sends a verification request to the real-name authentication interface, carrying information such as the user's mobile phone number and ID card number. The interface returns the verification result (success or failure).

[0036] If verification is successful, the user's registration information is stored in the local database, and the user is marked as authenticated, providing an identity basis for subsequent wallet creation and other operations; if verification fails, an error message is returned to the user, requiring the user to re-enter the correct information.

[0037] II. Wallet Management Module:

[0038] After a user successfully registers and passes real-name authentication, the module generates a public-private key pair for the user based on the wallet type selected by the user, using advanced encryption algorithms.

[0039] The private key, as the core confidential information of a user's wallet, is kept safe by the user and used for operations such as digital signatures to prove the user's ownership of the wallet assets. The public key is used to generate the wallet address, which is similar to a traditional bank account number. It is the unique identifier for the user to receive third-party asset pushes (such as merchant rebates, dividends, etc.) on the blockchain network, and it is also the receiving address when the user makes withdrawals.

[0040] Responsible for managing the daily operations of user wallets, including but not limited to receiving asset notifications from consumption platforms or other channels and accurately recording them in the user's wallet balance; processing user withdrawal requests, verifying the user's identity and the legality of the withdrawal information, and then transferring digital assets according to the user's specified method (withdrawing to a bank card or payment software).

[0041] Data interaction and processing:

[0042] It interacts with the user registration module to obtain information about authenticated users and generates public-private key pairs based on the wallet type selected by the user and the preset encryption algorithm parameters.

[0043] The public key undergoes a series of processing steps, including hashing, to generate a wallet address, which is then associated with the user's identity information and stored in a database.

[0044] When a third-party asset push request is received, the legitimacy of the pusher and the accuracy of the asset data are verified, and then the asset is added to the blockchain ledger record corresponding to the user's wallet balance.

[0045] When processing a withdrawal request, the user's identity is first verified (e.g., via password, SMS verification code, or biometric information). Then, based on the withdrawal amount and target account information (bank card number or payment software account) entered by the user, a withdrawal transaction instruction is constructed and sent to the blockchain network for processing. At the same time, the user's wallet balance record in the local database is updated.

[0046] III. Asset Conversion Module:

[0047] Real-time monitoring of user spending behavior on partner consumption platforms, acquisition of spending amount data, and conversion of spending amount into digital assets according to a pre-set push algorithm.

[0048] In the push algorithm, the user's spending amount is divided by 1.1 and then by the current real-time asset price in the market to obtain the number of assets the user can acquire. The division by 1.1 may take into account costs, transaction fees, or other system-set adjustment factors. In this way, the spending amount is reasonably mapped to the number of digital assets, realizing the conversion of spending assets, and the converted digital assets are accurately stored in the user's wallet.

[0049] Data Interaction and Processing: Establish a secure data connection interface with the consumer platform, receive user spending data pushed by the consumer platform in real time, and use encryption technology to ensure data security during data transmission.

[0050] Obtain real-time asset price information from the market data acquisition module (which can interface with authoritative external market data providers or maintain its own market price database).

[0051] Based on the push algorithm, the number of assets acquired by the user is calculated and recorded on the blockchain ledger. At the same time, an instruction is sent to the wallet management module to add the corresponding amount of digital assets to the user's wallet balance, ensuring the accuracy and traceability of the asset conversion process.

[0052] IV. Value-added calculation module:

[0053] Continuously track and collect consumption data from all users within the system, including multi-dimensional information such as consumption amount, consumption time, and consumption category (of which consumption amount is used for core calculations, and other information can be used for subsequent algorithm optimization or data analysis).

[0054] The asset's appreciation is calculated based on a pre-defined appreciation algorithm. This algorithm comprehensively considers the total amount of all consumption and the number of assets circulating in the market, determines the asset's current price through the ratio between the two, and further calculates the asset's appreciation rate by combining factors such as profit, price, and quota.

[0055] Based on the calculated asset appreciation, dividends are distributed to users' assets. The dividend income is allocated to users' wallets according to the proportion of assets they hold, and the dividend details are pushed to users through the blockchain network, allowing users to clearly understand the appreciation and returns of their assets.

[0056] Data interaction and processing:

[0057] Establish data connections with data sources such as asset conversion modules and consumption platforms to obtain user consumption data in real time, and periodically (such as daily, weekly or monthly, depending on system settings) summarize the total amount of all consumption data.

[0058] The system obtains market-related data, such as the number of assets circulating in the market, from the market data acquisition module, and combines this data with user asset data recorded within the system to perform calculations according to the value-added algorithm.

[0059] The calculated asset appreciation and dividend results are recorded on the blockchain ledger to ensure data immutability and transparency. At the same time, a dividend instruction is sent to the wallet management module to add the dividend amount to the user's wallet balance, and a dividend detail notification is pushed to the user through the message push system.

[0060] V. Data Security Module:

[0061] Advanced encryption algorithms are employed during the public-private key generation process to ensure the high confidentiality of the private key and prevent the theft of user assets due to private key leakage. Complex mathematical operations and key management mechanisms guarantee the security and uniqueness of the wallet address generated by the public key, preventing address forgery and tampering.

[0062] During data transmission, all sensitive data (such as user personal information, transaction data, asset data, etc.) are encrypted and secure transmission protocols are used to prevent data from being stolen or tampered with during network transmission.

[0063] In terms of data storage, the distributed storage characteristics of blockchain are leveraged to distribute data across multiple nodes, ensuring data integrity and availability. Even if some nodes fail or are attacked, the data will not be lost. Furthermore, encryption technology is used to further enhance data storage security, preventing unauthorized access and tampering.

[0064] Data interaction and processing: Working closely with the user registration module, wallet management module, asset conversion module, and value-added computing module, it provides secure encryption algorithm support and key management services for the wallet management module during the public and private key generation stage.

[0065] During data transmission, the data transmitted between modules is encrypted and decrypted in real time to ensure secure data transfer between different modules.

[0066] In the data storage stage, the data generated by each module that needs to be stored is encrypted and then stored in a distributed ledger according to the storage rules of the blockchain. At the same time, the data index and query mechanism are maintained so that each module can quickly and accurately retrieve the data when needed, while ensuring the security and privacy of the data.

[0067] Specifically, in this solution, the user registration module verifies the user's identity by interface with the database of relevant institutions during real-name authentication to ensure the user's identity is authentic and valid.

[0068] In this embodiment: an interface is selected to connect with the identity information database of the security department to obtain the most authoritative and accurate identity verification service. Interface specifications and data transmission protocols are negotiated and determined with the security department to ensure the security and stability of data interaction.

[0069] Upon receiving the request, the security department's interface compares and verifies the information in its database. If the user's input identity information matches the database record exactly, and the ID number is valid (not expired, not canceled, etc.), the interface returns a verification success signal.

[0070] Specifically, in this solution, the asset conversion module acquires the current market price data in real time when performing asset conversion to calculate the number of assets obtained by the user and records the conversion result on the blockchain ledger.

[0071] In this embodiment: The asset conversion module establishes a data connection with a professional digital asset trading platform to obtain real-time asset price data from the current market. Multiple mainstream trading platforms are selected as data sources to ensure the accuracy and timeliness of the price data.

[0072] The calculated asset conversion results are recorded on the blockchain ledger, including detailed information such as the consumption amount, conversion time, and the number of assets obtained, forming an immutable transaction record. Simultaneously, a notification is sent to the wallet management module, adding 45.45 assets to the user's wallet balance. The user can view the asset increase in real time on the wallet interface.

[0073] Specifically, in this solution, the value-added calculation module monitors all consumption data in real time, calculates changes in asset value periodically based on the value-added algorithm, and distributes dividends according to the number of assets held by the user. The dividend results are pushed to the user's wallet through the blockchain network, and the user can view the dividend details.

[0074] In this embodiment, the value-added computing module monitors the consumption behavior of all users in real time through deep data integration with the consumption platform. Every consumption data point (including consumption amount, consumption time, consumption category, etc.) is collected and transmitted to the value-added computing module in a timely manner.

[0075] Regularly (e.g., every morning at midnight), all consumption data from the previous day is summarized and statistically analyzed to calculate the total amount of all consumption. Simultaneously, information on the number of assets currently circulating in the market is obtained from the market data acquisition module to prepare for value-added calculations.

[0076] Dividends are distributed based on the number of assets held by the user. For example, if a user holds 100 assets, their dividend payout is calculated to be 10 yuan according to the dividend rules. This 10 yuan dividend is recorded on the blockchain ledger, and the dividend details (including the dividend amount, source, and time) are pushed to the user's wallet via the blockchain network. When the user opens the wallet application, they can clearly view the dividend information in the message center or asset details page. The dividend amount is automatically added to the user's wallet balance and can be used for subsequent consumption or withdrawals.

[0077] Specifically, in this solution, when processing a withdrawal operation, the wallet management module verifies the user's identity and withdrawal information, then sends the withdrawal request to the blockchain network for processing. After processing, the funds will be transferred to the user's designated account.

[0078] In this embodiment: When processing withdrawal operations, the wallet management module uses a combination of multiple authentication methods to ensure user identity security. First, after the user enters the withdrawal amount and withdrawal account (bank card or payment software account) on the wallet interface, they need to enter their wallet password for initial verification;

[0079] After verifying the user's identity and withdrawal information, the wallet management module constructs a withdrawal transaction instruction based on the withdrawal amount and target account information entered by the user. This instruction includes key information such as the user's wallet address, withdrawal amount, target account information, and transaction signature (signed using the user's private key to prove the transaction's legitimacy).

[0080] Specifically, in this solution, the push algorithm in the asset conversion module can incorporate more influencing factors, such as consumption time and product category, to optimize the asset conversion results.

[0081] In this embodiment, the consumption time factor is introduced into the push algorithm, with different weight coefficients set for different time periods. For example, consumption during peak consumption periods (such as holidays and promotional events) is given a higher weight coefficient, allowing consumers to earn more asset rewards during these periods. Assume that the weight coefficient is 1 for consumption during normal times and 1.2 for consumption during peak periods.

[0082] Different consumer goods categories are categorized, and different conversion coefficients are assigned to each category. For example, a lower conversion coefficient is set for daily necessities because their demand is relatively stable; a higher conversion coefficient is set for high-end electronics and luxury goods to incentivize users to purchase high-value-added products. Assume a conversion coefficient of 0.8 for daily necessities and 1.5 for high-end electronics.

[0083] Specifically, in this solution, the data security module can adopt a hybrid storage mode for data storage, combining cloud storage with blockchain distributed storage to improve data storage efficiency and scalability.

[0084] In this embodiment, the data security module constructs a hybrid storage architecture combining blockchain distributed storage and cloud storage. A well-known blockchain platform (such as Ethereum) is selected as the base blockchain network to store critical transaction data, user asset data, etc., leveraging the decentralized and immutable characteristics of blockchain to ensure data security and integrity.

[0085] During data storage, data that needs to be stored on the blockchain is processed according to the blockchain's storage specifications. For example, user transaction records are hashed, packaged into blocks, and stored on various nodes of the blockchain network through a consensus mechanism. Each block contains the hash value of the previous block, forming a chain structure to ensure the immutability and traceability of the data.

[0086] Finally, it should be noted that the above descriptions are merely preferred embodiments of the present invention and are not intended 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 make equivalent substitutions for some of the technical features. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A blockchain-based consumer asset conversion and value-added system, characterized in that, include: The user registration module is used to receive personal information entered by users and verify the user's real identity through real-name authentication. The personal information includes mobile phone number and ID card number. The wallet management module, connected to the user registration module, is used to generate a public-private key pair for the user using an encryption algorithm after the user determines the wallet type. The private key is kept secret, and the public key is used to generate a wallet address. The encryption algorithm includes, but is not limited to, elliptic curve cryptography. The wallet address is used to receive third-party asset pushes and perform withdrawal operations, including withdrawals to bank cards or payment software. The asset conversion module, connected to the wallet management module, is used to receive the user's consumption amount data on the consumption platform, convert the consumption amount into digital assets according to the push algorithm and store them in the wallet. The push algorithm is: amount / 1.1 / current price = number of assets obtained, where "amount" is the user's consumption amount and "current price" is the real-time asset price in the market. The value-added calculation module, connected to the asset conversion module, is used to calculate the asset value-added according to the value-added algorithm. The data security module, connected to the user registration module, wallet management module, asset conversion module, and value-added computing module, is used to ensure the security and privacy of public and private key generation, data transmission, and storage processes.

2. The blockchain-based consumer asset conversion and value-added system according to claim 1, characterized in that: When performing real-name authentication, the user registration module verifies the user's identity by interface with the database of relevant institutions to ensure that the user's identity is authentic and valid.

3. The blockchain-based consumer asset conversion and value-added system according to claim 1, characterized in that: When performing asset conversion, the asset conversion module obtains the current market price data in real time to calculate the number of assets obtained by the user and records the conversion result on the blockchain ledger.

4. The blockchain-based consumer asset conversion and value-added system according to claim 1, characterized in that: The value-added calculation module monitors all consumption data in real time, calculates changes in asset value periodically based on the value-added algorithm, and distributes dividends according to the number of assets held by the user. The dividend results are pushed to the user's wallet through the blockchain network, and the user can view the dividend details.

5. A blockchain-based consumer asset conversion and value-added system according to claim 1, characterized in that: When processing a withdrawal, the wallet management module verifies the user's identity and withdrawal information, then sends the withdrawal request to the blockchain network for processing. Once processing is complete, the funds will be transferred to the user's designated account.

6. A blockchain-based consumer asset conversion and value-added system according to claim 1, characterized in that: The push algorithm in the asset conversion module can incorporate more influencing factors, such as consumption time and product category, to optimize the asset conversion results.

7. A blockchain-based consumer asset conversion and value-added system according to claim 1, characterized in that: The data security module can adopt a hybrid storage mode for data storage, combining blockchain distributed storage with cloud storage and other methods to improve data storage efficiency and scalability.