Blockchain-based virtual account hierarchical management method, device and electronic equipment

Abstract

The application provides a blockchain-based virtual account hierarchical management method, device and electronic equipment. The method comprises the following steps: based on a virtual account book, an account hierarchical model is constructed according to account binding information of a target blockchain, wherein the account hierarchical model adopts a tree structure, the tree structure comprises a root node, a branch node and a leaf node, the root node is a company settlement account, the branch node is a temporary account opened in each region corresponding to the company settlement account, and the leaf node is a virtual account opened in the virtual account book by the temporary account; private keys are allocated to each node in the account hierarchical model to obtain an account hierarchical model bound with hierarchical private keys, and an intelligent contract deployed on the target blockchain is executed through the account hierarchical model bound with the hierarchical private keys. The existing blockchain account management scheme cannot identify the account relationship, and the virtual account management effect is poor.

Description

Technical Field

[0001] This application relates to the field of blockchain-based hierarchical management technology for virtual accounts, and more specifically, to a blockchain-based method, apparatus, computer-readable storage medium, and electronic device for hierarchical management of virtual accounts. Background Technology

[0002] To meet customer needs, banks implement refined management of funds in settlement accounts. In blockchain technology, account management is parallel, unlike traditional hierarchical account management. Because accounts are parallel in the blockchain, they have equal access permissions and there is no hierarchical structure. Furthermore, accounts in the blockchain are identified through public key addresses and are not directly linked to the user's real identity, so it's impossible to represent the identity of accounts within a group. While blockchain technology guarantees the uniqueness, immutability, and consistency of all transactions, it does not support handling the differences and special characteristics of account groups.

[0003] In summary, existing blockchain account management solutions suffer from difficulties in identifying account relationships, resulting in poor account management effectiveness. Summary of the Invention

[0004] The main objective of this application is to provide a blockchain-based method, apparatus, computer-readable storage medium, and electronic device for hierarchical management of virtual accounts, so as to at least solve the problem that existing blockchain account management schemes have difficulty in identifying account relationships and have poor virtual account management effects.

[0005] To achieve the above objectives, according to one aspect of this application, a blockchain-based method for hierarchical management of virtual accounts is provided, comprising: constructing an account hierarchy model based on a virtual ledger and account binding information of a target blockchain, wherein the account hierarchy model adopts a tree structure, the tree structure including a root node, branch nodes, and leaf nodes, the root node being a company settlement account, the branch nodes being temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes being virtual accounts opened in the virtual ledger by the temporary accounts; allocating private keys to each node in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and executing a smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

[0006] Optionally, assigning a private key to each node in the account hierarchy model to obtain an account hierarchy model bound with a hierarchical private key includes: using a hierarchical identity base encryption tool to assign a private key to each node in the account hierarchy model to obtain the account hierarchy model bound with a hierarchical private key.

[0007] Optionally, after constructing an account hierarchy model based on the account binding information of the target blockchain, the method further includes: obtaining a virtual ledger account opening application submitted by a user, and creating a leaf node corresponding to the virtual ledger account opening application in the account hierarchy model based on the virtual ledger account opening application.

[0008] Optionally, after obtaining the virtual ledger account opening application submitted by the user, the method further includes: obtaining the user's identity information, verifying the authenticity of the user's identity based on the identity information, and obtaining an identity verification result; if the identity verification result indicates that the application is successful, sending the virtual ledger account opening application and the identity information to the anti-money laundering system for list verification, and obtaining a list verification result.

[0009] Optionally, creating the leaf node corresponding to the virtual ledger account opening application in the account hierarchy model according to the virtual ledger account opening application includes: if the list verification result representation verification passes, creating the leaf node corresponding to the virtual ledger account opening application in the account hierarchy model according to the virtual ledger account opening application.

[0010] Optionally, executing a smart contract deployed on the target blockchain through the account hierarchy model bound with a hierarchical private key includes: obtaining user transaction request information; locating the node relationship between the transaction initiator node and the transaction target node in the account hierarchy model based on the transaction request information; performing permission verification through the account hierarchy model bound with a hierarchical private key based on the node relationship and the transaction request information, obtaining a permission verification result, and executing the smart contract deployed on the target blockchain for business processing if the permission verification result passes.

[0011] Optionally, after executing the smart contract deployed on the target blockchain to perform business processing, the method further includes: obtaining transaction records generated by the business processing and storing the transaction records in the target blockchain.

[0012] According to another aspect of this application, a blockchain-based virtual account hierarchical management device is provided, comprising: a construction unit, configured to construct an account hierarchical model based on a virtual ledger and account binding information of a target blockchain, wherein the account hierarchical model adopts a tree structure, the tree structure including a root node, branch nodes, and leaf nodes, the root node being a company settlement account, the branch nodes being temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes being virtual accounts opened in the virtual ledger by the temporary accounts; and an execution unit, configured to allocate private keys to each node in the account hierarchical model to obtain an account hierarchical model bound with hierarchical private keys, and execute smart contracts deployed on the target blockchain through the account hierarchical model bound with hierarchical private keys.

[0013] According to another aspect of this application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored program, wherein, when the program is executed, it controls the device where the computer-readable storage medium is located to perform any of the described blockchain-based virtual account hierarchical management methods.

[0014] According to another aspect of this application, an electronic device is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs including methods for performing any of the described blockchain-based hierarchical management methods for virtual accounts.

[0015] By applying the technical solution of this application, a tree-structured hierarchical account model is constructed, and a binding mechanism between the virtual ledger and blockchain accounts is introduced, fundamentally solving the shortcomings of traditional blockchain accounts, which are parallel and lack hierarchical relationships. This solution utilizes the "parent-real, child-virtual" characteristic of the virtual ledger to logically map group settlement accounts (roots), regional temporary accounts (branches), and specific business virtual accounts (leaves), achieving the matching of fund flows and information flows, and meeting the needs of large enterprises for fund classification accounting and refined management. Secondly, by assigning hierarchical private keys to nodes at each level, the original equality of blockchain accounts is endowed with hierarchical access control capabilities, enabling accounts at different levels to perform differentiated management operations. Finally, combined with the execution of smart contracts, it ensures that all transactions based on this hierarchical model are immutable and traceable in the decentralized network, preserving the security advantages of blockchain while compensating for its lack of flexibility in complex financial business scenarios, achieving a unified system of hierarchical account management and fund classification and aggregation; thus solving the problem that existing blockchain account management solutions struggle to identify account relationships and have poor virtual account management performance. Attached Figure Description

[0016] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0017] Figure 1 A hardware structure block diagram of a mobile terminal for implementing a blockchain-based hierarchical management method for virtual accounts is shown in an embodiment of this application.

[0018] Figure 2 A flowchart illustrating a blockchain-based hierarchical management method for virtual accounts is shown according to an embodiment of this application.

[0019] Figure 3 A structural diagram of a blockchain-based hierarchical management system for virtual accounts provided according to an embodiment of this application is shown;

[0020] Figure 4 A flowchart illustrating a blockchain-based hierarchical management system for virtual accounts, provided according to an embodiment of this application, is shown.

[0021] Figure 5 A flowchart illustrating the principle of an account hierarchy model provided according to an embodiment of this application is shown;

[0022] Figure 6 A structural block diagram of a blockchain-based virtual account hierarchical management device provided according to an embodiment of this application is shown. Detailed Implementation

[0023] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0024] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0025] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate for the embodiments of this application described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0026] As described in the background section, existing blockchain account management solutions have difficulty identifying account relationships and have poor virtual account management performance. To address the problem that existing blockchain account management solutions have difficulty identifying account relationships and have poor virtual account management performance, embodiments of this application provide a blockchain-based hierarchical management method, apparatus, computer-readable storage medium, and electronic device for virtual accounts.

[0027] The technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.

[0028] The methods and embodiments provided in this application can be executed on a mobile terminal, computer terminal, or similar computing device. Taking running on a mobile terminal as an example, Figure 1 This is a hardware structure block diagram of a mobile terminal for a blockchain-based hierarchical management method for virtual accounts, according to an embodiment of the present invention. Figure 1 As shown, a mobile terminal may include one or more ( Figure 1 Only one is shown in the diagram. A processor 102 (which may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.) and a memory 104 for storing data are also shown. The mobile terminal may further include a transmission device 106 for communication functions and an input / output device 108. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the mobile terminal described above. For example, the mobile terminal may also include components that are more... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0029] The memory 104 can be used to store computer programs, such as application software programs and modules, like the computer program corresponding to the blockchain-based virtual account hierarchical management method in this embodiment of the invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, thereby implementing the above-described method. The memory 104 may include high-speed random access memory and non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the mobile terminal via a network. Examples of the aforementioned networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof. The transmission device 106 is used to receive or send data via a network. Specific examples of the aforementioned networks may include wireless networks provided by the mobile terminal's communication provider. In one example, the transmission device 106 includes a network interface controller (NIC), which can be connected to other network devices via a base station to communicate with the Internet. In one example, the transmission device 106 may be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0030] This embodiment provides a blockchain-based hierarchical management method for virtual accounts that runs on a mobile terminal, computer terminal, or similar computing device. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Also, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0031] Figure 2 This is a flowchart of a blockchain-based hierarchical management method for virtual accounts according to an embodiment of this application. Figure 2 As shown, the method includes the following steps:

[0032] Step S201: Based on the virtual ledger, construct an account hierarchy model according to the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger for the temporary accounts.

[0033] Step S202: Assign private keys to each of the nodes in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and execute the smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

[0034] This embodiment, by applying steps S201, S202, and S203, constructs a tree-structured hierarchical account model and introduces a binding mechanism between the virtual ledger and blockchain accounts, fundamentally solving the shortcomings of traditional blockchain accounts that are parallel and lack hierarchical relationships. This solution utilizes the parent-subsidiary virtual characteristics of the virtual ledger to logically map the group settlement account (root), regional temporary accounts (branches), and specific business virtual accounts (leaves), achieving the matching of fund flows and information flows and meeting the needs of large enterprises for fund classification accounting and refined management. Secondly, by assigning hierarchical private keys to nodes at each level, the original equality of blockchain accounts is endowed with hierarchical access control capabilities, enabling accounts at different levels to perform differentiated management operations. Finally, by combining the execution of smart contracts, it is ensured that all transactions based on this hierarchical model are immutable and traceable in the decentralized network. This not only retains the security advantages of blockchain but also makes up for its lack of flexibility in complex financial business scenarios, achieving the unification of hierarchical account management and fund classification and collection. This solves the problem that existing blockchain account management solutions have difficulty identifying account relationships and have poor virtual account management effects.

[0035] In the specific implementation process, a private key is assigned to each of the above-mentioned nodes in the account hierarchy model to obtain an account hierarchy model bound with a hierarchical private key, including: using a hierarchical identity base encryption tool to assign a private key to each of the above-mentioned nodes in the account hierarchy model to obtain an account hierarchy model bound with a hierarchical private key.

[0036] In this embodiment, the Hierarchical Identity-Based Encryption (HIBE) tool is introduced for private key distribution, significantly improving the efficiency and security of key management. In traditional asymmetric encryption systems, key generation and distribution typically rely on a central institution, making it difficult to adapt to the dynamic expansion of large-scale virtual ledgers. HIBE allows the derivation of lower-level node private keys from upper-level node private keys, achieving hierarchical derivation of private keys. This means that root or branch node administrators can independently derive private keys for subordinate virtual accounts without contacting a central key generation center, greatly reducing system load and communication latency. Simultaneously, this derivation mechanism aligns with the hierarchical relationships of the enterprise organizational structure, ensuring the flexibility and scalability of private key management. Furthermore, since lower-level private keys cannot be used to derive upper-level private keys, it effectively prevents the risk of privilege escalation, enhances the security isolation of the entire account system, and safeguards the security of the group's core data and permissions.

[0037] Specifically, after constructing an account hierarchy model based on the account binding information of the target blockchain, the above method further includes: obtaining a virtual ledger account opening application submitted by the user, and creating the leaf node corresponding to the virtual ledger account opening application in the account hierarchy model based on the virtual ledger account opening application.

[0038] This embodiment clarifies the dynamic mapping mechanism between virtual ledger account opening applications and leaf node creation, enabling real-time linkage between business requirements and the technical model. By acquiring user-submitted account opening applications and dynamically creating corresponding leaf nodes in the account hierarchy model, the system can flexibly respond to constantly changing business scenarios (such as new projects or new departments). This dynamic creation method avoids the resource waste and management rigidity caused by pre-configuring all virtual accounts statically. Simultaneously, directly mapping the virtual ledger to leaf nodes of the blockchain model ensures that each virtual account has a unique identity on the blockchain, guaranteeing atomic tracking of fund flows. This mechanism not only simplifies the lifecycle management of the virtual ledger but also ensures strong consistency between virtual accounts and the underlying blockchain data, providing an accurate data foundation for subsequent fund clearing, reconciliation, and auditing, and improving the overall automation level of business processing.

[0039] More specifically, after obtaining the virtual ledger account opening application submitted by the user, the above method further includes: obtaining the user's identity information, verifying the authenticity of the user's identity based on the identity information, and obtaining an identity verification result; if the identity verification result indicates that the application for opening a virtual ledger account and the identity information are passed, sending the virtual ledger account opening application and the identity information to the anti-money laundering system for list verification, and obtaining a list verification result.

[0040] In this embodiment, a dual security verification mechanism (identity verification and anti-money laundering list verification) is introduced in the pre-opening stage, significantly improving the system's risk control capabilities. First, by obtaining and verifying the user's identity information, the legitimate identity of the operator is ensured, preventing identity theft and unauthorized access, and meeting the financial regulatory requirements for customer identification. Second, by integrating the anti-money laundering system for list verification at the critical account opening point, the opening of accounts by suspected money laundering or other illegal entities can be blocked at the source, controlling compliance risks before business transactions occur. This pre-opening risk control mechanism overcomes the regulatory challenges posed by the anonymity of traditional blockchains, achieving an effective balance between technological decentralization and regulatory centralization. Through dual verification, it is ensured that only users who have undergone rigorous review can create virtual accounts, greatly reducing compliance costs and potential legal risks in subsequent transaction stages.

[0041] Furthermore, creating the leaf node corresponding to the virtual ledger account opening application in the account hierarchy model based on the virtual ledger account opening application includes: if the list verification result representation verification passes, creating the leaf node corresponding to the virtual ledger account opening application in the account hierarchy model based on the virtual ledger account opening application.

[0042] In this embodiment, the list verification result is used as a prerequisite for leaf node creation, constructing a strict access control mechanism. A logical closed loop is established where creation occurs upon successful verification, ensuring the purity and legitimacy of the account hierarchy model. Only after the anti-money laundering system confirms that a user has no criminal record will the system allow the generation of the corresponding leaf node and private key on the blockchain, thereby fundamentally eliminating the possibility of illegal accounts entering the blockchain network. This mechanism not only strengthens the compliance of virtual ledger opening but also records the compliance status at the time of account opening through the immutability of the blockchain, providing credible evidence for subsequent auditing. Furthermore, this step, combined with the permission rules of smart contracts, ensures that only legitimate leaf nodes can participate in subsequent fund transactions, further strengthening the overall security of the account system and preventing malicious nodes from infiltrating the hierarchy management model by forging identities.

[0043] Furthermore, the execution of the smart contract deployed on the target blockchain through the aforementioned account hierarchy model bound with hierarchical private keys includes: obtaining the user's transaction request information; locating the node relationship between the transaction initiator node and the transaction target node in the aforementioned account hierarchy model based on the aforementioned transaction request information; performing permission verification through the aforementioned account hierarchy model bound with hierarchical private keys based on the aforementioned node relationship and the aforementioned transaction request information, obtaining the permission verification result; and executing the aforementioned smart contract deployed on the target blockchain to perform business processing if the aforementioned permission verification result passes.

[0044] In this embodiment, fine-grained transaction permission control is achieved through permission verification based on node relationships. Before transaction execution, the system locates the hierarchical relationship between the initiator and the target node based on the transaction request, and performs permission verification in conjunction with the hierarchical private key. This ensures that only accounts with the corresponding level can execute specific business operations (e.g., only leaf nodes can initiate small transactions, and only branch nodes can approve large transfers). This permission verification based on a blockchain account hierarchy model overcomes the limitations of equal permissions in traditional blockchain accounts, achieving hierarchical authorization management similar to traditional banking systems. Simultaneously, the permission verification results directly drive the execution of smart contracts, ensuring the automatic execution and immutability of transaction rules, and improving business processing efficiency. This mechanism effectively prevents the risk of unauthorized transactions, ensures that fund flows conform to preset business logic and management systems, and enhances the security and standardization of financial services.

[0045] Specifically, after executing the smart contract deployed on the target blockchain to perform business processing, the method further includes: obtaining transaction records generated by the business processing and storing the transaction records in the target blockchain.

[0046] In this embodiment, transaction records are stored on the target blockchain, achieving end-to-end traceability and evidence preservation of business data. Leveraging the distributed ledger characteristics of blockchain, the business processing results (transaction records) verified by permissions are permanently saved, ensuring the authenticity and integrity of the data. Any tampering with transaction records will result in a change in the hash value, which can be identified by network nodes, providing an irrefutable chain of evidence for internal auditing, external supervision, and dispute resolution. Simultaneously, the transparency of blockchain allows authorized nodes to query transaction status in real time, improving the transparency of fund flows. This step, combined with the classification and accounting of the virtual ledger, ensures that every fund change is accurately mapped to the corresponding virtual sub-account, achieving synchronous updates of financial data and blockchain data, and improving the accuracy and efficiency of reconciliation.

[0047] To enable those skilled in the art to better understand the technical solution of this application, the implementation process of the blockchain-based hierarchical management method for virtual accounts will be described in detail below with reference to specific embodiments.

[0048] This embodiment relates to a blockchain-based hierarchical management system for virtual accounts, such as... Figure 3 As shown, the system includes an account hierarchy model construction module, used to establish an account hierarchy model corresponding to the target blockchain; wherein, the account hierarchy model consists of nodes bound to each account on the target blockchain; a private key allocation module, connected to the account hierarchy model construction module, used to allocate corresponding hierarchical private keys to the account hierarchy model; a decision module, connected to the account hierarchy model construction module, used to manage accounts in the account hierarchy model; and a contract execution module, connected to the account hierarchy model construction module, used to execute smart contracts pre-deployed on the target module based on the account hierarchy model and hierarchical private keys.

[0049] This embodiment relates to a specific blockchain-based hierarchical management method for virtual accounts, such as... Figure 4 As shown, a virtual ledger and blockchain account management model are combined. The root node corresponds to the group company's settlement account; the branch nodes correspond to temporary accounts opened in various regions; and the leaf nodes correspond to the virtual accounts opened by the settlement account in the virtual ledger register. Private keys are assigned to each node of the account hierarchy model using the HIBE tool. The virtual ledger register structure and blockchain account management are combined. While maintaining the advantages of blockchain, hierarchical management of accounts on the blockchain is achieved, meeting the hierarchical management needs in specific scenarios.

[0050] The virtual ledger is an automated accounting management tool based on information technology. It establishes a hierarchical classification and accounting system under the same settlement account, categorized by the nature, purpose, or scenario of funds. Its technical architecture employs a distributed ledger to construct an umbrella structure of "parent account + virtual sub-accounts," supporting batch creation and management via API interfaces. A single account can derive thousands of virtual ledgers. The system achieves fund flow traceability by synchronizing transaction records to blockchain evidence nodes in real time, and its intelligent ledger engine achieves millisecond-level response processing based on preset rule templates.

[0051] The relationship between physical and virtual ledgers: Virtual ledgers are classification and accounting registers based on information technology. After opening a physical settlement account at a bank, an enterprise can establish multi-level virtual sub-accounts or classification and accounting systems under that account, based on the nature and purpose of funds, internal departments, or different scenarios. Its core characteristic is "physical parent, virtual child," meaning that multiple virtual ledgers are managed through a single physical account, enabling functions such as automatic classification of payment and receipt details, refined fund management, automatic clearing, and centralized collection of funds across regions.

[0052] HIBE (Hierarchical Identity-Based Encryption) is an extension of identity-based encryption (IBE) that allows delegated key generation in a tree-like hierarchical structure: upper-level entities can derive private keys for lower-level identities using their private keys, without the need for a central key generation center (PKG) to directly manage all users.

[0053] Smart contracts are a digital representation of contracts in everyday life, a technology that allows programs to execute automatically when certain conditions are met. Contracts are ubiquitous in life; for example, an agreement might be made with agreed-upon rewards and punishments, but due to various reasons, the terms may not be fulfilled, leading to breaches of contract. In the compensation process, situations often arise where contracts are reneged on, broken, or reneged on, resulting in unclear and unresolved issues. However, if these agreements are recorded in the form of code on a blockchain, a program can automatically execute them once the agreed-upon conditions are met—this is a smart contract.

[0054] The target blockchain's smart contract defines a permission rule contract, which contains multiple permission rules, each assigned a unique rule ID. For example, such as... Figure 5 As shown, smart contract A defines the rule that "user 1 must be a leaf node." For another example, consider a school membership abstracted as an account hierarchy model, where the root node is the principal, branch nodes are teachers, and leaf nodes are students. A teacher-student peer review contract contains two subcontracts: subcontract A handles student ratings of teachers, requiring users to be leaf nodes; subcontract B handles teacher-to-teacher ratings, requiring users to be in the same group. The contract authentication submodule responds to smart contract verification requests from the target blockchain by passing the smart contract's rule ID and corresponding parameters to the permission rule contract. The permission rule contract automatically queries the target blockchain's account hierarchy model to obtain the corresponding permission verification result. The permission verification result is either that the smart contract's rules are met or not. When the smart contract's rules are met, the execution submodule executes the smart contract based on the hierarchical private key.

[0055] This application also provides a blockchain-based hierarchical management device for virtual accounts. It should be noted that this blockchain-based hierarchical management device can be used to execute the blockchain-based hierarchical management method for virtual accounts provided in this application. This device is used to implement the above embodiments and preferred embodiments; details already described will not be repeated. As used below, the term "module" can refer to a combination of software and / or hardware that performs a predetermined function. Although the device described in the following embodiments is preferably implemented in software, hardware implementation, or a combination of software and hardware, is also possible and contemplated.

[0056] The following describes the blockchain-based hierarchical management device for virtual accounts provided in the embodiments of this application.

[0057] Figure 6 This is a schematic diagram of a blockchain-based hierarchical management device for virtual accounts according to an embodiment of this application. Figure 6 As shown, the device includes:

[0058] Construction unit 61 is used to construct an account hierarchy model based on the virtual ledger and the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger for the temporary accounts.

[0059] The execution unit 62 is used to allocate private keys to each of the nodes in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and to execute the smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

[0060] In this embodiment, the construction unit is used to construct an account hierarchy model based on the virtual ledger and the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, including a root node, branch nodes, and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger for the temporary accounts. The execution unit is used to allocate private keys to each node in the account hierarchy model, obtaining an account hierarchy model bound with hierarchical private keys, and executing the smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys. By constructing a tree-structured account hierarchy model and introducing a binding mechanism between the virtual ledger and blockchain accounts, the shortcomings of traditional blockchain accounts—parallel and lacking hierarchical relationships—are fundamentally solved. This solution utilizes the parent-real and child-virtual characteristics of the virtual ledger to logically map the group settlement account (root), regional temporary accounts (branches), and specific business virtual accounts (leaves), achieving the matching of fund flow and information flow, and meeting the needs of large enterprises for fund classification accounting and refined management. Secondly, by assigning hierarchical private keys to nodes at each level, the inherent equality of blockchain accounts is endowed with hierarchical access control capabilities, enabling accounts at different levels to perform differentiated management operations. Finally, combined with the execution of smart contracts, it ensures that all transactions based on this hierarchical model are immutable and traceable within the decentralized network. This retains the security advantages of blockchain while addressing its lack of flexibility in complex financial scenarios, achieving a unified approach to hierarchical account management and fund classification and aggregation. This solves the problem of existing blockchain account management solutions struggling to identify account relationships and exhibiting poor performance in virtual account management.

[0061] As an optional approach, the execution unit includes an allocation module for using a hierarchical identity-based encryption tool to allocate private keys to each of the aforementioned nodes in the account hierarchy model, thereby obtaining the aforementioned account hierarchy model bound with hierarchical private keys.

[0062] In an alternative embodiment, the apparatus further includes an acquisition unit, configured to acquire a virtual ledger account opening application submitted by a user after constructing an account hierarchy model based on the account binding information of the target blockchain, and to create the aforementioned leaf node corresponding to the aforementioned virtual ledger account opening application in the aforementioned account hierarchy model based on the aforementioned virtual ledger account opening application.

[0063] In one optional embodiment, the device further includes a verification unit and a validation unit; the verification unit is used to obtain the user's identity information after receiving the virtual ledger account opening application submitted by the user, and to verify the authenticity of the user's identity based on the identity information to obtain an identity verification result; the validation unit is used to send the virtual ledger account opening application and the identity information to the anti-money laundering system for list verification if the identity verification result indicates that the application is successful, and to obtain a list verification result.

[0064] In one optional scheme, the acquisition unit includes a creation module, which is used to create the leaf node corresponding to the virtual ledger account opening application in the account hierarchy model based on the virtual ledger account opening application, provided that the verification result of the above-mentioned list verification is passed.

[0065] In one optional scheme, the execution unit further includes a positioning module for obtaining the user's transaction request information and locating the node relationship between the transaction initiator node and the transaction target node in the account hierarchy model based on the transaction request information; and a verification module for performing permission verification through the account hierarchy model bound with hierarchical private keys based on the node relationship and the transaction request information to obtain the permission verification result. If the permission verification result passes, the smart contract deployed on the target blockchain is executed to perform business processing.

[0066] In an optional embodiment, the execution unit further includes a storage module, which is used to obtain the transaction records generated by the business processing after executing the smart contract deployed on the target blockchain to perform business processing, and store the transaction records in the target blockchain.

[0067] The aforementioned blockchain-based hierarchical management device for virtual accounts includes a processor and a memory. The aforementioned building units, execution units, etc., are all stored as program units in the memory, and the processor executes these program units to achieve the corresponding functions. All of the above modules reside in the same processor; alternatively, the modules may be located in different processors in any combination.

[0068] The processor contains a kernel, which retrieves the corresponding program units from memory. One or more kernels can be configured; adjusting kernel parameters can address the problem of existing blockchain account management solutions struggling to identify account relationships and exhibiting poor performance in managing virtual accounts.

[0069] The memory may include non-permanent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0070] This invention provides a computer-readable storage medium including a stored program, wherein, when the program is executed, it controls the device where the computer-readable storage medium is located to execute the blockchain-based virtual account hierarchical management method.

[0071] Specifically, blockchain-based hierarchical management methods for virtual accounts include:

[0072] Step S201: Based on the virtual ledger, construct an account hierarchy model according to the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger for the temporary accounts.

[0073] Step S202: Assign private keys to each of the nodes in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and execute the smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

[0074] This invention provides a processor for running a program, wherein the program executes the blockchain-based hierarchical management method for virtual accounts.

[0075] Specifically, blockchain-based hierarchical management methods for virtual accounts include:

[0076] Step S201: Based on the virtual ledger, construct an account hierarchy model according to the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger for the temporary accounts.

[0077] Step S202: Assign private keys to each of the nodes in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and execute the smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

[0078] This invention provides an electronic device, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, it performs at least the following steps:

[0079] Step S201: Based on the virtual ledger, construct an account hierarchy model according to the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger for the temporary accounts.

[0080] Step S202: Assign private keys to each of the nodes in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and execute the smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

[0081] The devices mentioned in this article can be servers, PCs, tablets, mobile phones, etc.

[0082] This application also provides a computer program product, which, when executed on a data processing device, is suitable for executing an initialization program having at least the following method steps:

[0083] Step S201: Based on the virtual ledger, construct an account hierarchy model according to the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger for the temporary accounts.

[0084] Step S202: Assign private keys to each of the nodes in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and execute the smart contract deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

[0085] It is obvious to those skilled in the art that the modules or steps of the present invention described above can be implemented using general-purpose computing devices. They can be centralized on a single computing device or distributed across a network of multiple computing devices. They can be implemented using computer-executable program code, and thus can be stored in a storage device for execution by a computing device. In some cases, the steps shown or described can be performed in a different order than those described herein, or they can be fabricated as separate integrated circuit modules, or multiple modules or steps can be fabricated as a single integrated circuit module. Thus, the present invention is not limited to any particular combination of hardware and software.

[0086] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0087] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0088] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0089] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0090] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0091] Memory may include non-persistent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0092] Computer-readable media include both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0093] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0094] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0095] The above description is merely a preferred embodiment of this application and is not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. A blockchain-based hierarchical management method for virtual accounts, characterized in that, include: Based on the virtual ledger, an account hierarchy model is constructed according to the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes, and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger by the temporary accounts. Private keys are assigned to each node in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and smart contracts deployed on the target blockchain are executed through the account hierarchy model bound with hierarchical private keys.

2. The method according to claim 1, characterized in that, Assigning private keys to each node in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, including: A hierarchical identity base encryption tool is used to assign a private key to each node in the account hierarchy model, resulting in an account hierarchy model bound with hierarchical private keys.

3. The method according to claim 1, characterized in that, After constructing an account hierarchy model based on the account binding information of the target blockchain, the method further includes: Obtain the virtual ledger account opening application submitted by the user, and create the leaf node corresponding to the virtual ledger account opening application in the account hierarchy model according to the virtual ledger account opening application.

4. The method according to claim 3, characterized in that, After obtaining the virtual ledger account opening application submitted by the user, the method further includes: Obtain the user's identity information, verify the user's identity authenticity based on the identity information, and obtain the identity verification result; If the identity verification result is successful, the virtual ledger account opening application and the identity information are sent to the anti-money laundering system for list verification to obtain the list verification result.

5. The method according to claim 4, characterized in that, Based on the virtual ledger account opening application, the leaf node corresponding to the virtual ledger account opening application is created in the account hierarchy model, including: If the list verification result indicates that the verification is successful, a leaf node corresponding to the virtual ledger account opening application is created in the account hierarchy model according to the virtual ledger account opening application.

6. The method according to claim 1, characterized in that, Executing smart contracts deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys includes: Obtain the user's transaction request information, and locate the node relationship between the transaction initiator node and the transaction target node in the account hierarchy model based on the transaction request information; Based on the node relationships and the transaction request information, permission verification is performed through the account hierarchy model bound with hierarchical private keys to obtain permission verification results. If the permission verification results pass, the smart contract deployed on the target blockchain is executed to perform business processing.

7. The method according to claim 6, characterized in that, After executing the smart contract deployed on the target blockchain to perform business processing, the method further includes: Obtain transaction records generated during business processing and store the transaction records in the target blockchain.

8. A blockchain-based hierarchical management device for virtual accounts, characterized in that, include: A construction unit is used to construct an account hierarchy model based on a virtual ledger and the account binding information of the target blockchain. The account hierarchy model adopts a tree structure, which includes a root node, branch nodes, and leaf nodes. The root node is the company settlement account, the branch nodes are the temporary accounts opened in various regions corresponding to the company settlement account, and the leaf nodes are the virtual accounts opened in the virtual ledger by the temporary accounts. An execution unit is used to allocate private keys to each node in the account hierarchy model to obtain an account hierarchy model bound with hierarchical private keys, and to execute smart contracts deployed on the target blockchain through the account hierarchy model bound with hierarchical private keys.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored program, wherein, when the program is executed, it controls the device where the computer-readable storage medium is located to perform the blockchain-based hierarchical management method for virtual accounts as described in any one of claims 1 to 7.

10. An electronic device, characterized in that, include: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs including methods for performing the blockchain-based hierarchical management method for virtual accounts as described in any one of claims 1 to 7.

Images