A method of funding that allows users to hide their real names based on the Matrix Alliance Chain

Abstract

The present invention proposes a method of funding that can hide real names based on the matrix alliance chain, in which multiple entities such as public welfare institutions, enterprises, individuals, governments, and regulatory agencies work together to design a matrix alliance chain and form an alliance through the alliance chain system, allowing donors and grant recipients to hide their real names without affecting the transparency and reliability of funding information, ensuring traceability and accountability verification, optimizing the consensus mechanism, and promoting the integrity of donor behavior. The present invention makes full use of the advantages of blockchain in public welfare scenarios and effectively protects user privacy.

Description

[Technical field]

[0001] The present invention relates to the technical field of alliance chains, and in particular to a funding method that can hide real names based on matrix alliance chains. [Background technology]

[0002] Traditional public charities have low transparency in information disclosure, lack regulatory mechanisms, and insufficient credibility. Public welfare organizations' "fund destinations and uses" and "sources of donations" often attract public attention, but traditional public welfare institutions often lack information disclosure and have weak social oversight, which affects the public's trust and support for public welfare organizations. Most traditional public welfare organizations have not undergone digital technology transformation, the traditional donation process is cumbersome, and the technological means are backward and inefficient, while the rapid development of the Chinese economy has brought about continuous growth in the public welfare needs of the people. In recent years, the total amount of social welfare and the number of social organizations have continued to increase, and the amount of individual donations has also maintained a good growth rate, and there is widespread optimism about the future scale of individual donation assets, especially online donations. With the rapid development of the Internet and the popularization of information technology, online public welfare cloud funding platforms such as Easy Lottery, Water Drop Lottery, and Love Heart Lottery have developed rapidly. However, the open nature of the Internet makes it difficult for cloud funding platforms to effectively screen the information of initiators and beneficiaries, and problems such as individual applicants fabricating medical conditions, non-compliance in the online business processes of some platforms, misuse of user data, and suspicions of some platforms illegally raising funds have frequently occurred. This not only violates the basic rights and interests of donors, but also weakens the public's trust in online public welfare cloud funding activities and limits the sustainable development of public welfare work. In addition, existing welfare scenarios, including blockchain + welfare products, mainly provide financial support such as money and goods, and ignore the help of service resources such as "volunteer time", "online courses", and "experience and knowledge" that people can provide. In the process of strengthening and expanding the achievements in poverty alleviation and promoting rural revitalization, financial assistance and service assistance should be considered with the public welfare scenario of realizing the dreams of rural children.

[0003] Blockchain technology is a distributed ledger technology managed jointly by multiple parties, which uses encryption to ensure security of transmission and access, realizes consistent storage of data, and is an accounting technology that is difficult to tamper with and prevents repudiation. Its distributed and open transparency, information traceability, and tamper-proof features can effectively ensure the openness and transparency of public welfare projects, and donors can inquire about each transaction and track the distribution information and usage of materials and funds. As an emerging digital technology, blockchain has great potential for application. At present, blockchain is gradually beginning to be applied in the field of social welfare, but the existing public welfare blockchain system is better than this and is more open and public, so the information of donors or grant recipients is recorded on the blockchain, and due to the immutable nature of the blockchain, the user's information will remain on the blockchain forever. From the perspective of privacy protection, donors or grantees should be able to request the deletion or hiding of personal data records relating to them, that is, without affecting the openness, transparency and tamper-proofness of the funding data to protect users' rights to privacy and anonymity, and users should be able to choose to use their real names or hide their real names to participate in the blockchain records. Compared with public chains, the access mechanism of alliance chains is more suitable for public welfare scenarios, and public welfare platforms with reputations and qualifications, government regulatory departments and credit departments are allowed to participate and participate in consensus. However, in the existing alliance chain system, the funding transaction information is only continuously recorded in blocks, and it is impossible to accurately associate all the funding information of a specific grantee, and it is impossible to find specific funding transactions and realize on-chain changes, and the real name information of grantees and donors cannot be protected. Content of the invention

[0004] In order to solve the above technical problems, the present invention provides a real-name concealed funding method based on the matrix alliance chain, and after real-name registration and authentication, the funder can provide financial or service funds to the grantee by optimizing the funding or service funding. By optimizing the block structure and chain structure, the real-name information stored in the blockchain can be hidden without affecting the structure of the entire chain, while ensuring the traceability and accountability of funding information, and effectively protecting personal privacy information; optimizing the consensus mechanism, introducing fund type matching and credit scores from authoritative credit departments to encourage funders to perform honest behavior, and unreliable behavior is fed back to the integrity file of the credit unit, promoting honest funding.

[0005] The steps of the funding method capable of concealing real names based on the Matrix Alliance Chain according to the present invention are as follows.

[0006] S1: Initialize the alliance chain system and generate public parameters, and the participants of the alliance chain include grantees, funders, regulators, and private key generation centers;

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[0011] Furthermore, the specific steps of S1 are as follows:

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[0016] Furthermore, the steps of S2 are as follows:

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[0021] Further, the steps of S3 are as follows:

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[0025] Furthermore, the specific contents of S4 are as follows:

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[0036] Furthermore, according to the consensus mechanism, the procedure for consensus nodes to verify is as follows:

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[0045] The advantageous effects of the present invention are as follows: 1. Different from the traditional public welfare funding model, in the method of the present invention, a funding type is introduced into block funding transactions, and "service funding" is added to provide more enthusiastic services for public welfare. The number of funding methods is increased, making full use of the enthusiasm of donors and supporting recipients in targeted ways. 2. Based on the funding model in this scenario, consensus nodes are selected based on the degree of financial support matching, credit value and other factors, so that each node has the opportunity to participate in the consensus, strengthening the influence of credit value, weakening the advantage that multiple participation in the consensus makes it easier for nodes to obtain accounting rights, and better promoting the fairness and justice of consensus. 3. Based on the privacy protection of grantees and donors, grantees and donors can choose to hide their personal real-name information on the alliance chain, avoiding their information being permanently recorded on the network and permanently recorded in the public eye, while ensuring that funding and funded information is fair, open, transparent and traceable, and avoiding disputes over the public interest caused by false information such as information tampering and deception. On the premise of ensuring accountability verification, the right to choose whether to disclose real names is returned to individuals. 4. Build a matrix alliance chain. Through the on-chain block coordinate information and off-chain index list, regulatory nodes and consensus nodes can quickly identify the block location of transactions waiting to be modified, which helps improve the efficiency of transaction block modification. 5. Introduce authoritative credit departments such as the People's Bank of China, the Public Security Bureau, and Alipay to participate in supervision, certify and approve Dreamers and Dream funders, and give funders credit scores. On the alliance chain, if a funder commits a breach of trust or malicious acts on the alliance chain, it will be simultaneously recorded in the real-world integrity file, thereby promoting the integrity of funders and forming an effective credit feedback monitoring mechanism. 6. The encryption methodology ensures that attackers cannot obtain actual financial support information or identify the true identities of Dreamers and DREAM donors through data manipulation, thus protecting the data privacy of Dreamers and DREAM donors. [Brief description of the drawings]

[0046] In order to facilitate a clear understanding of the contents of the present invention, the present invention will be described in more detail below based on specific embodiments and with reference to the accompanying drawings. [Figure 1] FIG. 2 is a system model diagram according to the present invention. [Diagram 2] FIG. [Diagram 3] Matrix Alliance Chain Structure Diagram. [Figure 4] 2 is a flowchart of the present invention. Detailed Description of the Invention

[0047] Important terms and limitations of the present invention are as follows: Alliance Chain: Blockchain is a kind of blockchain data structure that is unforgeable, difficult to tamper with, and traceable through transparent and reliable rules in a peer-to-peer network environment to realize and manage the generation, storage and access of reliable data, and the mode of use. Alliance Chain usually refers to a chain formed jointly by multiple parties after multiple entities reach a certain agreement or business cooperation, but members who participate in the alliance chain need to be authenticated. The generation of each block is jointly decided by all pre-selected nodes (the pre-selected nodes participate in the consensus process), and other access nodes can participate in the transaction but do not participate in the accounting process. Anyone else can make limited inquiries on the open API of the blockchain. Matrix Alliance Chain: A horizontal chain (Dream Chain) and a vertical chain (Funding Chain) are constructed in the Alliance Chain, with the horizontal chain taking the height of the Dream Block as the horizontal coordinate, and the vertical chain taking the block using the depth of the funding as the vertical coordinate. The block coordinate can identify the unique position of the block in the Alliance Chain. The actual meaning of this coordinate is an act of providing funds to support the dream of a certain Dreamer. This alliance chain and the concrete shape of the blocks resemble a matrix, so it is called the "Matrix Alliance Chain". Hash function: maps a binary value string of any length to a binary value string of a fixed length. The rule for this mapping is a hash algorithm. The resulting binary value string by mapping the original data is the hash value. Merkle Tree: A Merkle tree is a hashed binary tree, a data structure used to quickly summarize and verify the integrity of large amounts of data. This binary tree contains a cryptographic hash. The term "tree" is often used in computer science to describe a data structure with branches. Consensus mechanism: The consensus mechanism is to complete the verification and confirmation of transactions in a short period of time through the voting of special nodes. It can be considered that if multiple nodes with unrelated interests can reach a consensus on a transaction, the entire network will also reach a consensus. JPEG0007618326000034.jpg62163The application scenario of the present invention can realize the dreams of children in the countryside and contribute to the revitalization of rural areas. The solution described in this invention includes the following four entities, as shown in Figure 1: Dreamer: refers to the recipient of grants. In the rural public welfare scenario, it refers to rural children who have dreams. With the cooperation of parents, teachers and other guardians, they can complete the real-name registration, and after being approved and certified by the regulatory agency, they can post their dreams, and the information of the dreams and all funding will be recorded on the alliance chain after consensus; after the dreams are completed or the dreams no longer require funding, the dreamers can choose to hide their real names. Dream funder: refers to an individual or group funder. In the rural public welfare scenario, it refers to a dream funder. After registering with a real name and passing the certification of the regulatory agency, you can see the colorful dreams on the alliance chain and choose funding and services. The funding information will be recorded on the alliance chain to help the dreamers realize their dreams, and the dream funder can choose whether to hide their personal real name information on the alliance chain. Regulatory agency: The regulatory agency consists of government regulatory departments, public welfare agencies, and third-party credit agencies. Government regulatory agencies, public welfare agencies, and dream donors form a consortium chain, and when the third-party credit agency certifies donors, it assigns a credit score based on the donor's integrity file, but does not participate in the consensus. If there is any fraudulent activity in the consortium chain, it will be recorded in the credit department's integrity file at the same time. Private Key Generation Center: Initializes public parameters, generates and distributes keys and registration certificates to each member of the solution.

[0048] The system model diagram of the method for financial assistance based on matrix alliance chain that can conceal real names according to the present invention is shown in FIG. 1, and the specific process flow is shown in FIG. 4, which steps are as follows:

[0049] S1, initialize the system and generate public parameters such as security parameters, system public key, encryption and decryption algorithms, and secure hash functions. The participants are mainly Dreamers (Zhang Ming, a poor rural child), Dream funders (Ai Classroom Co., Ltd., an online course-focused company), regulatory agencies (including the public welfare organization Ai Xin Chuo, local civil affairs departments, third-party credit institutions (People's Bank of China Credit Information Center) and the Private Key Generation Center (KGC));

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Claims

1. A method for financial assistance that allows users to conceal their real names based on a matrix alliance chain, comprising: S1: Initialize the alliance chain system and generate public parameters, and the participants of the alliance chain include grantees, funders, regulators, and private key generation centers;

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