CN111401890A

CN111401890A - Transaction method and device

Info

Publication number: CN111401890A
Application number: CN202010063130.5A
Authority: CN
Inventors: 冯金军
Original assignee: Shanghai Jinchen Network Technology Co ltd
Current assignee: Zhejiang Lianhu Technology Co.,Ltd.
Priority date: 2020-01-19
Filing date: 2020-01-19
Publication date: 2020-07-10

Abstract

The invention aims to provide a transaction method and device, which abandon a way of completing transactions through a centralized transaction mechanism from the essence. There have been corresponding technologies in the digital world that enable point-to-point transactions, but there are major difficulties with traditional financial institutions participating in digital asset transactions due to the weaknesses of traditional finance. Aiming at the transfer process of the traditional financial institution based on the secret key, the invention reasonably designs the secret key generation based on the one-way function and designs the mechanism based on time T1 and T2 locking to eliminate the technical innovation such as transaction risk and the like, so that the traditional financial institution can directly transact with the digital asset at the transaction level without the help of a centralized transaction institution. The invention can realize the atomic transaction between the legal currency system (financial institution system) and the digital assets, and also realize the atomic transaction between different legal currency systems (financial institution systems).

Description

Transaction method and device

Technical Field

The invention relates to the field of computers, in particular to a transaction method and transaction equipment.

Background

The block chain is a concatenated text record (also called a block) cryptographically concatenated and protected with content. Each block contains the encrypted hash of the previous block, the corresponding timestamp, and transaction data (typically represented by a hash calculated using the Merkletree algorithm), which makes the contents of the block tamper-resistant. The distributed accounts serially connected by the block chain technique can effectively record the transaction by two parties and permanently check the transaction.

The largest application of blockchain technology is the invention of digital assets, such as bitcoins. Because the nature of the payment is "add the reduced amount to account B in account a". If a person has a public ledger that records all transactions from all accounts to date, then for any account, one can calculate the amount of money that it currently owns. The blockchain is just a public ledger used for this purpose, which keeps all transaction records. In the bitcoin system, the bitcoin address corresponds to an account and the bitcoin number corresponds to an amount.

In order for a digital asset to have monetary value, the digital asset must be channeled through legal currency such that the digital asset and legal currency can freely circulate therebetween.

Traditionally, transactions between digital assets and legal currency are conducted through digital asset trading mechanisms. A digital asset exchange is a service that allows a customer to trade digital assets with other assets, such as traditional legal currency or other digital assets. The digital asset exchange may be a marketer, using the trade price difference as a trade commission for the service; or as a pairing platform that charges a mere commission. The digital asset transaction facility may be a physical service or an online service. The physical transaction facility accepts traditional payment means to exchange digital assets, and the online transaction facility accepts electronic payment means to exchange digital assets. Digital asset trading institutions are typically operated in regions outside western countries to avoid regulatory and prosecution, but they hold the mouths of banks in multiple countries to handle different national categories of goods, including western countries. The transaction facility may accept credit card payments, wire transfers, or other forms of payment in exchange for digital assets. By 2018, the supervision of digital asset trading agencies by many developed jurisdictions has remained unclear.

The transaction institutions may transfer the digital assets to the user's personal digital asset wallet, and some may transfer the digital asset balance to an anonymous prepaid card, and the user may draw money at a global automated teller machine. Some digital assets are supported by real goods, such as gold.

The creator of a digital asset is in most cases not related to the exchange providing the currency. In one type of system, digital asset providers hold and manage accounts for their customers, but do not issue digital assets to the customers. The customer purchases or sells money from the digital asset exchange and accesses the money from an account provided by the digital asset provider. Some of the trading institutions are subsidiaries of the digital asset provider, but most of the trading institutions are independent legitimate businesses. The funds in the provider account may be in real or fictitious currency.

Digital asset transactions in the form of transaction institutions face two major problems:

1. there is a security risk in transactions between users within a financial institution;

2. the transaction between legal currency and digital assets is not supervised and only depends on the autonomy of a transaction mechanism;

3. transactions between digital assets are unsupervised and can only rely on the autonomy of the transaction facility.

Problem 3, above, can now be accomplished by decentralizing the exchange. The going-to-center transaction needs the automatic execution of the intelligent contract, and avoids the disadvantage of trust of a third party. Early decentralized trading organizations included inter-bank system clearing agreements, represented by Ripple, and blockchain development platforms, represented by BitShares, which became increasingly reluctant due to trust mechanisms and developer issues. The new ideas of ERC20 standards, chain order service, P2P trading, etc. are also introduced at the next decentralized trading floor. In the 0x protocol, users participating in the transaction entrust their digital assets to decentralized trading institution intelligence contracts at the ethernet via ERC20 protocol. Swap allows a user to quickly conduct private transactions with known objects, set prices and place orders, which are then submitted to a blockchain smart contract to complete the transaction. Orders from multiple trading objects may also be fulfilled.

Problem 2 the trade between digital assets and legal currency proposed is currently attempted to be solved using stable digital assets anchored to the core assets, such as L ibra by Facebook and USDT, which is currently widely used either L ibra or USDT is a centralized asset mortgage issued digital asset, such as USDT as an earlier issued stable currency, which hooks us dollar 1: 1. bitCNY as the earliest issued mortgage stable currency (anchored currency, anchored asset).

The above problem 1, the secure transaction between users in financial institutions, has not yet been solved reliably.

Specifically, the asset transaction problem is described as follows:

the problem of trading between two different asset domains can be illustrated by the following scenario:

consider in one scenario that the two parties to the transaction are a, B and the assets to the transaction are a, B. After A communicates with B, purchase B's asset using the a asset, as shown in FIG. 1:

1. assuming that one of the two parties to the transaction, for example, B, has strong credit, after a sends asset a to B, B sends asset B to a due to B's credit guarantee. The risk is less in this case. The situation is that the guarantee of the transaction with a large enterprise (with strong credit) is better in daily life. Even if the risk is small, there is a credit risk that B will not hand the asset to A.

2. Assuming that neither a, B has a strong credit, after a sends asset a to B, B receives a, there is a risk that B will not be sent to a. In daily life, such transactions are most likely to be analogized to point-to-point transactions or transactions between individuals.

In either case, the atomicity of the transaction cannot be theoretically guaranteed. Atomicity means that A sends assets to B synchronously with B sending assets to A.

In the current solution, in order to effectively solve the atomicity problem of legal currency and digital asset transaction, a centralized transaction mechanism is introduced as a credit medium in the operation process. In the technical scheme, exchange is respectively carried out between two parties of the transaction by a transaction mechanism, so that the exchange between legal currency and digital assets is completed.

After introducing the third party transaction mechanism, the transaction model is as shown in fig. 2:

a sends asset a to the exchange and B hands asset B to the exchange as well. At the moment, the trading institution holds the asset a and the asset b;

a, proposing a transaction requirement to a transaction mechanism in a form of hanging a bill, and B, after obtaining the requirement, sending an instruction to the transaction mechanism to carry out transaction by using an asset B;

3. the transaction institution completes the operation on A, B accounts at the same time according to the instruction of A, B, and the atomicity process of the transaction is realized.

First, a centralized transaction institution can effectively solve A, B the credit risk caused by insufficient credit as a unilateral principal, but the transaction institution itself introduces a new risk, and the precondition for the successful implementation of the scheme is that the transaction institution has strong credit. Because, if the centralized transaction facility does not have credit and security, A, B is a significant asset security problem within the transaction facility.

However, in view of the current privatization of global trading institutions, there are major problems in terms of manageability and security of the trading institutions. In the aspect of supervision, main countries in the world do not support transaction institutions, most of the current transaction institutions are privately held, and the countries in which the transaction institutions are located are countries with unsound credit system supervision systems. Under such large premises, supervision is of no use to the exchange. In terms of security, according to TokenInsight statistics, in total, digital assets worth at least $ 16 billion are stolen from each exchange in 2014 to the first half 2019, and at least $ 2 billion are stolen from funds in the first half 2019. In the absence of supervision and security, the credit of the transaction institution behaves as a dummy.

Secondly, the transaction is carried out through the transaction mechanism, all the assets are required to be listed to the transaction mechanism, so that the process is complex, and the process cost of the transaction is increased undoubtedly from asset locking, asset listing, asset transaction, asset redemption and the like.

Furthermore, economically, the exchange may charge a certain amount as the subject of the transaction, which also increases the economic cost of both parties to the transaction.

In summary, digital assets, as an emerging form of assets, present new challenges to trading between assets. Although digital asset transactions have been widely conducted and technologies between digital assets have been addressed using blockchain techniques, there is currently no trusted way to address transactions between digital assets and legal currency. The goal of trading between digital assets and fiat currency is to eliminate centralized trading mechanisms, making trading of fiat currency with digital assets atomic and indivisible.

Disclosure of Invention

The invention aims to provide a transaction method and equipment.

According to one aspect of the invention, a transaction method based on a financial institution server is provided, and the method comprises the following steps:

obtaining first fiat money transfer information of a first fiat money transaction sent by a client of a user A, and sending the first fiat money transfer information to a client of a user B, wherein the first fiat money transfer information comprises: the first legal money account information of the transfer object user B, the first legal money transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T2;

acquiring an input X of a one-way function F sent by the client of the user B based on the confirmation of the first legal money transfer information;

it is determined whether the acquisition time of the input X of the one-way function F exceeds the timeout T2,

and if the timeout time T2 is not exceeded, calculating corresponding output F (X) based on the one-way function F in the first legal money transfer information and the received input X of the one-way function F, comparing the calculated output F (X) with the output F (X) in the first legal money transfer information, and if the comparison result is consistent, performing transfer operation on the user B corresponding to the first legal money account information and the first legal money transfer amount.

Further, in the above method, in the input X of the one-way function F sent by the client of the user B based on the confirmation of the first legal money transfer information,

the input X of the one-way function F may be preset by the client of the user a and sent to the client of the user B.

Further, in the above method, after determining whether the time of receiving the input X of the one-way function F exceeds the timeout time T2, the method further includes:

if the timeout T2 is exceeded, then operations are performed to cancel the first fiat currency transaction.

Further, in the above method, after obtaining the first fiat money transfer information of the first fiat money transaction sent by the client of the user a, the method further includes:

a request sent by the client of user a to cancel the first fiat currency transaction is obtained,

it is determined whether the acquisition time of the request to cancel the first fiat currency transaction exceeds the timeout time T2,

Further, in the above method, after obtaining the transfer information of the transaction sent by the client of the user a, the method includes:

locking the first fiat money transfer amount in the account of user a;

and performing transfer operation on the user B corresponding to the first legal money account information and the first legal money transfer amount of the transfer object user B, wherein the transfer operation comprises the following steps:

and corresponding to the first legal money account information, transferring the locked first legal money transfer amount to the user B.

Further, in the method, first legal money transfer information of the first legal money transaction sent by the client of the user A is obtained,

the one-way function F in the first legal money transfer information and the output F (X) corresponding to the one-way function F are obtained from first asset transfer information received by a first asset service terminal by a client of a user A, and the first legal money transfer information is generated by the client of the user A based on confirmation of the first asset transfer information.

Further, in the above method, in the input X of the one-way function F sent by the client of the user B based on the first fiat money transfer information,

the input X of the one-way function F is preset by the client of the user B.

Further, in the above method, if the comparison result is that the first legal money account information and the first legal money transfer amount are consistent, after the transfer operation is performed on the user B corresponding to the first legal money account information and the first legal money transfer amount, the method further includes:

and sending the input X of the one-way function F to the client of the user A.

According to another aspect of the present invention, there is also provided a transaction method based on a first asset server, wherein the method includes:

acquiring first asset transfer information of a first asset transaction sent by a client of a user B, wherein the first asset transfer information comprises: the method comprises the steps that first asset account information of a transfer object user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein the first asset is a digital asset or a second legal currency asset;

sending the first asset transfer information to a client of a user A;

if the input X of the one-way function sent based on the confirmation of the first asset transfer information is obtained from the client of the user A, wherein the input X of the one-way function is obtained by the client of the user A from a financial institution server;

it is determined whether the acquisition time of the input X of the one-way function F exceeds the timeout T1,

and if the overtime time T1 is not exceeded, calculating corresponding output F (X) based on the one-way function F in the first asset transfer information and the received input X of the one-way function F, comparing the calculated output F (X) with the output F (X) in the first asset transfer information, and if the comparison result is consistent, performing transfer operation on the user A corresponding to the first asset account information and the first asset transfer amount of the transfer object user A.

Further, in the above method, after determining whether the time of receiving the input X of the one-way function F exceeds the timeout time T1, the method further includes:

and if the timeout T1 is exceeded, performing the operation of canceling the first asset transaction.

Further, in the method, after obtaining first asset transfer information of a first asset transaction sent by a client of a user B, the method further includes:

a request sent by the client of user B to cancel the first asset transaction is obtained,

determining whether the acquisition time of the request to cancel the first asset transaction exceeds the timeout time T1,

Further, in the above method, after obtaining the first asset transfer information of the first asset transaction sent by the client of the user B, the method includes:

locking a first asset transfer amount in an account of user B;

and performing transfer operation on the user A corresponding to the first asset account information and the first asset transfer amount of the transfer object user A, wherein the transfer operation comprises the following steps:

and corresponding to the first asset account information, transferring the locked first asset transfer amount to the user A.

According to another aspect of the present invention, there is also provided a transaction method based on a client side of a user a, wherein the method includes:

acquiring first asset transfer information from a first asset server, wherein the first asset transfer information comprises: the method comprises the steps that first asset account information of a transfer object user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein the first asset is a digital asset or a second legal currency asset;

confirming the first asset transfer information,

if the confirmation is passed, generating first legal money transfer information based on a one-way function F in the first asset transfer information and an output F (X) corresponding to the one-way function F, and sending the first legal money transfer information to a financial institution server, wherein the first legal money transfer information comprises: the first legal money account information of the transfer object user B, the first legal money transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T2;

and receiving an input X of a one-way function from the financial institution server, and sending the input X of the one-way function to the first asset server, wherein the input X of the one-way function is calculated by the financial institution server based on the one-way function F in the first legal money transfer information and the received input X of the one-way function F, the corresponding output F (X) is compared with the output F (X) in the first legal money transfer information, and if the comparison result is consistent, the user B is subjected to transfer operation corresponding to the first legal money account information and the first legal money transfer amount and then sent.

According to another aspect of the present invention, there is also provided a transaction method based on a client of a user B, wherein the method includes:

sending first asset transfer information to a first asset server, wherein the first asset transfer information comprises: the method comprises the steps that first asset account information of a transfer object user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein the first asset is a digital asset or a second legal currency asset;

receiving first fiat money transfer information from a financial institution server, wherein the first fiat money transfer information comprises: the first legal money account information of the transfer object user B, the first legal money transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T2;

an input X of a one-way function F is sent to the financial institution server upon confirmation of the first fiat money transfer information.

According to another aspect of the present invention, there is also provided a financial institution server, comprising:

first means for obtaining first fiat money transfer information for a first fiat money transaction sent by a client of user a and sending the first fiat money transfer information to a client of user B, wherein the first fiat money transfer information comprises: the first legal money account information of the transfer object user B, the first legal money transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T2;

first and second means for obtaining an input X of a one-way function F sent by the client of user B based on the confirmation of said first fiat money transfer information;

and a third device, configured to determine whether the acquisition time of the input X of the one-way function F exceeds the timeout time T2, if the acquisition time of the input X of the one-way function F does not exceed the timeout time T2, calculate a corresponding output F (X) based on the one-way function F in the first legal money transfer information and the received input X of the one-way function F, compare the calculated output F (X) with an output F (X) in the first legal money transfer information, and if the comparison result is consistent, perform a transfer operation on the user B corresponding to the first legal money account information and the first legal money transfer amount.

According to another aspect of the present invention, there is also provided a first asset server, including:

a second device, configured to obtain first asset transfer information of a first asset transaction sent by a client of a user B, where the first asset transfer information includes: the method comprises the steps that first asset account information of a transfer object user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein the first asset is a digital asset or a second legal currency asset;

second means for sending the first asset transfer information to a client of user A;

a second third means for, if an input X of a one-way function based on confirmation sending of the first asset transfer information is acquired from the client of the user a, acquiring the input X of the one-way function from the financial institution server by the client of the user a;

and a fourth device, configured to determine whether the obtaining time of the input X of the one-way function F exceeds the timeout time T1, if the obtaining time of the input X of the one-way function F does not exceed the timeout time T1, calculate a corresponding output F (X) based on the one-way function F in the first asset transfer information and the received input X of the one-way function F, compare the calculated output F (X) with an output F (X) in the first asset transfer information, and if the comparison result is consistent, perform a transfer operation on the user a corresponding to the first asset account information and the first asset transfer amount of the transfer target user a.

According to another aspect of the present invention, there is also provided a client of a user a, including:

confirming the first asset transfer information,

According to another aspect of the present invention, there is also provided a client of a user B, including:

According to another aspect of the invention, a trading system is further provided, wherein the trading system comprises the financial institution server, the first asset server, the client of the user a and the client of the user B.

According to another aspect of the present invention, there is also provided a computer readable medium having computer readable instructions stored thereon, the computer readable instructions being executable by a processor to implement the method of any one of the above.

Compared with the prior art, the invention firstly provides a solution in the first legal money system, which comprises the design of a password based on a one-way function F and the design of the timeout time T2, and the embodiment can ensure the safety of the transaction of the transfer between users of traditional financial institutions such as banks.

The method abandons the way of completing the transaction through a centralized transaction mechanism essentially. There have been corresponding technologies in the digital world that enable point-to-point transactions, but there are major difficulties with traditional financial institutions participating in digital asset transactions due to the weaknesses of traditional finance. Aiming at the transfer process of the traditional financial institution based on the secret key, the invention reasonably designs the secret key generation based on the one-way function and designs the mechanism based on time T1 and T2 locking to eliminate the technical innovation such as transaction risk and the like, so that the traditional financial institution can directly transact with the digital asset at the transaction level without the help of a centralized transaction institution.

The invention firstly brings about transaction safety guarantee by eliminating centralized transaction organization. Because both parties participating in the transaction do not need to submit assets to a third party for supervision, the insecurity of the third party is eliminated. In addition, the centralized transaction organization is eliminated, the transaction efficiency is improved, the transaction speed is increased, and the transaction flexibility is improved.

The invention can realize the atomic transaction between the legal currency system (financial institution system) and the digital assets, and also realize the atomic transaction between different legal currency systems (financial institution systems). The invention effectively solves the transaction problem between different asset domains, in particular the credit problem of the transaction between the traditional financial institution and the emerging digital assets.

Drawings

Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments made with reference to the following drawings:

FIG. 1 illustrates a prior art transaction scenario diagram;

FIG. 2 illustrates a prior art transaction model schematic;

FIG. 3 is a schematic diagram of a financial institution server-based transaction method according to an embodiment of the invention;

FIG. 4 illustrates a block diagram of an implementation of a financial institution of an embodiment of the invention;

FIG. 5 illustrates a schematic diagram of a legal currency system and a digital asset system implementing an atomic transaction according to one embodiment of the invention;

FIG. 6 shows an atomic transaction diagram between fiat currency systems (financial institution systems) of an embodiment of the invention.

The same or similar reference numbers in the drawings identify the same or similar elements.

Detailed Description

The present invention is described in further detail below with reference to the attached drawing figures.

In a typical configuration of the present application, the terminal, the device serving the network, and the trusted party each include one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, 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 technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include non-transitory computer readable media (transient media), such as modulated data signals and carrier waves.

As shown in fig. 3, the present invention provides a transaction method based on a financial institution server, the method comprising:

step S11, obtaining first fiat money transfer information of a first fiat money transaction sent by a client of a user A, and sending the first fiat money transfer information to a client of a user B, wherein the first fiat money transfer information comprises: the first legal money account information of the transfer object user B, the first legal money transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T2;

here, user a refers to the original owner of the first legal currency, and user B refers to the transfer recipient of user a's first legal currency;

in the scenario of transfer between users of a traditional financial institution, a user a of the traditional financial institution wants to perform a transfer action to a client B, and needs to have an account in the financial institution and be controlled by the user a, and similarly, a user B needs to have an account in the financial institution and be controlled by the account in the financial institution;

the user A transfers money to the user B through the account of the financial institution, and the process is as follows: unlike the conventional transfer function, in which the user a needs to know basic information of the account B, for example, the account information of the user B, such as a user name and account number information, uniquely identifies the user B, the account a needs to set three parameters at a financial institution in addition to the basic information of the account B: the first parameter is a one-way function F, the second parameter is the output F (x) corresponding to said one-way function, and the third parameter is a timeout T2;

step S12, obtaining an input X to the one-way function F sent by the client of user B based on the confirmation of the first fiat money transfer information,

in a preferred embodiment of the present invention, the input X of the one-way function F may be preset by the client of the user a, and is sent to the client of the user B;

for example, the user a may give the input X of the one-way function F to the user B through other channels, such as encrypted mail;

step S13, judging whether the acquisition time of the input X of the one-way function F exceeds the overtime time T2,

step S14, if the timeout time T2 is not exceeded, calculating a corresponding output F (X) based on the one-way function F in the first legal money transfer information and the received input X of the one-way function F, comparing the calculated output F (X) with the output F (X) in the first legal money transfer information, and if the comparison result is consistent, performing a transfer operation on the user B corresponding to the first legal money account information and the first legal money transfer amount.

Here, the calculated output f (X) is compared with the output f (X) sent by the client of the user a, and if the comparison result is consistent, that is, after the client of the user B sends the correct X, the server transfers the transfer funds of the user a to the user B. The subsequent client of the user A and the client of the user B can interact with the server information to inquire the transfer result information.

The invention specially designs the password. Strictly speaking, the "password" designed by the present invention is not a password in a general sense. In the present invention, the password is defined as the input X of a one-way function.

So-called one-way functions, it is considered that many functions are computationally easy to forward, but their inversion is computationally infeasible, i.e., it is difficult to deduce its input from the output. I.e. knowing x, we can easily calculate f (x). However, given f (x), it is difficult to calculate x. Such functions are compared to the well known SHA256, SHA1, SHA512, etc. It is not specified which one-way function is used in this patent. The user A needs to fill out the output of the one-way function, namely F (X), in the transfer information, and the content of the password is the input X of the one-way function F. B must provide the bank with the input X of the one-way function in order to obtain the funds that B transfers to a.

The present invention first proposes a solution in the first legal monetary system, including the design of passwords based on one-way function F and the design of timeout T2, which embodiment can guarantee the security of transactions between users of traditional financial institutions such as banks.

In an embodiment of the transaction method based on the financial institution server according to the invention, in step S3, after determining whether the receiving time of the input X of the one-way function F exceeds the timeout time T2, the method further includes:

Here, if the receiving time of the input X of the one-way function F exceeds the timeout time T2, the first legal currency server will cancel the transaction automatically, and will not transfer the funds of the user a to the user B, so as to further ensure the security of the transaction.

In an embodiment of the transaction method based on the financial institution server, in step S1, first fiat money transfer information of a first fiat money transaction sent by a client of a user a is obtained, where the first fiat money transfer information includes: after the first fiat money account information of the transfer target user B, the first fiat money transfer amount, the one-way function F, the output F (x) corresponding to the one-way function, and the timeout T2, the method further includes:

Here, if the acquisition time of the request for canceling the transaction does not exceed the timeout time T2, the first fiat currency server does not perform the operation of canceling the first fiat currency transaction, that is, the user a cannot cancel the transaction within the timeout time T2, so as to ensure that there is enough input X to the one-way function F sent by the client of the user B; if the acquisition time of the request for canceling the transaction exceeds the timeout time T2, the server will cancel the transaction automatically, so as to further ensure the security of the transaction.

In an embodiment of the transaction method based on the financial institution server, in step S11, after obtaining the transfer information of the transaction sent by the client of the user a, the method includes:

locking the first fiat money transfer amount in the account of user a;

Here, after the first fiat money transfer information of the transaction sent by the client of the user a is acquired, the first fiat money transfer amount in the account of the user a is locked, and at this time, only the first fiat money is locked, but not the transaction action of the first fiat money is executed, so that the user B does not acquire the first fiat money of the user a, and it is ensured that the user a cannot additionally dominate the locked first fiat money transfer amount within the timeout time T2, so as to further ensure the security of the transaction.

With reference to the previous embodiment, after determining whether the receiving time of the input X of the one-way function F exceeds the timeout time T2, if the receiving time exceeds the timeout time T2, the operation of canceling the first fiat money transaction is performed, and the lock on the first fiat money transfer amount in the first fiat money account of the user a is released, so as to further ensure the security of the transaction.

In connection with the foregoing another embodiment, the method further includes obtaining a request for canceling the first fiat money transaction sent by the client of the user a, determining whether the obtaining time of the request for canceling the first fiat money transaction exceeds the timeout time T2, and if the timeout time T2 is exceeded, performing an operation of canceling the first fiat money transaction and unlocking the first fiat money transfer amount in the first fiat money account of the user a to further secure the transaction.

According to another aspect of the present invention, a method for implementing an atomic transaction between legal currency and digital assets using a financial system of a conventional financial institution is also presented.

For intelligent contracts for digital asset systems, this may be accomplished through blockchain techniques. For legacy organizations, there is a need to support new services for implementing the above concepts. The architecture of the financial institution implementation is shown in fig. 4.

In a typical scenario, there are two users, with user A having legal currency in a legal currency system (e.g., a banking system) internal to the financial institution, while in the other system, e.g., a digital asset system, having digital asset a. User B also has an account with both the financial institution and the digital asset system. The method achieves the goal that in a different system, user a sends legal currency to user B in a traditional financial institution, and user B sends digital assets to user a in a digital asset system, both transaction actions are completed simultaneously. That is, there is no case where user B does not send the digital asset to user a after user a sends the legal money to user B. Similarly, there is no case where user B sends the digital asset to user A, but user A does not send the legal currency to user B. The intermediate transaction mechanism can be effectively removed through the atomicity transaction, and the direct transaction between A and B is realized.

To achieve this goal, the following requirements are needed:

1. financial institutions (e.g., banks) holding legal currency and digital asset systems are required to have strong credit, requiring both systems to have deterministic execution capabilities.

2. The time of the two systems is basically synchronous, and the precision can reach the hour level.

These two requirements are very easy to achieve in current systems, and for the first one, the respective bank currently has a strong credit under strong supervision. Digital asset systems are essentially provided with deterministic execution capabilities after the introduction of a blockchain system. The basic time synchronization is provided by most networking systems at present.

With these basic conditions, the present invention interfaces systems implemented by the following embodiments with digital asset systems, cross-border transfer systems, and the like, respectively.

The invention provides a transaction method based on a first asset server, which comprises the following steps:

step S21, obtaining first asset transfer information of a first asset transaction sent by the client of the user B, where the first asset transfer information includes: the method comprises the steps that first asset account information of a transfer object user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein the first asset is a digital asset or a second legal currency asset;

here, the second legal tender asset and the first legal tender asset represent different legal tender of different financial institutions, respectively.

If the first asset is a digital asset, user B may sign an intelligent contract on the digital asset system (mostly blockchain technology),

in addition to the normal setting information, in the first asset transfer information such as the smart contract, the user B is required to set the timeout T1, the one-way function F, and the output F (x) of the one-way function, wherein,

the overtime T1 is provided by the user B to A to input X within the overtime T1 to complete the transaction, otherwise, the digital assets are not transferred to the user A by the user B, and the overtime T1 is used for processing the intelligent contract overtime;

the one-way function F is used for providing a secret which cannot be tampered by a user B to the digital asset server, in addition, the user B needs to set an input X of the one-way function F, the input X of the one-way function F is stored as the secret by the user B, the user A cannot obtain the input X of the one-way function at present, but the user A can obtain the one-way function F and an output F (X) of the one-way function;

step S22, sending the first asset transfer information to the client of user A;

step S23, if an input X of a one-way function sent based on the confirmation of the first asset transfer information is obtained from the client of the user A, wherein the input X of the one-way function is obtained from the financial institution server by the client of the user A;

after the user B sets the first asset transfer information, the first asset server publishes the one-way function F and the output F (X) of the one-way function to the user A or the owner through the digital asset server, the one-way function F and the output F (X) of the one-way function are not published by the user B, the user B can be prevented from tampering the publication content, and the user A can obtain the first asset transfer information which comprises the one-way function F and the output F (X) of the one-way function;

meanwhile, the user a can check and verify other settings of the intelligent contract, and the information to be verified includes: amount, whether the first asset transfer information originated from user B, whether the beneficiary of the first asset transfer information is user a, and whether the agreed time T1 warrants a transaction;

step S24, judging whether the acquisition time of the input X of the one-way function F exceeds the overtime time T1,

step S25, if the overtime time T1 is not exceeded, calculating corresponding output F (X) based on the one-way function F in the first asset transfer information and the received input X of the one-way function F, comparing the calculated output F (X) with the output F (X) in the first asset transfer information, and if the comparison result is consistent, performing transfer operation on the user A corresponding to the first asset account information and the first asset transfer amount of the transfer object user A.

Here, the user a transmits the input X of the one-way function to the first asset server after acquiring the input X of the one-way function from the financial institution server at time T1. The first asset server has a time difference between the input X to the one-way function in the first asset transfer information and the input X to the one-way function provided by the financial institution server, which is less than T1, to prevent the intelligence of user B from timing out within about T1.

And calculating F (X) by the intelligent contract in the digital assets according to the input of the user A, comparing the F (X) with the F (X) set in the intelligent contract, executing a first asset transaction if the comparison results are the same, and sending the corresponding digital assets to the user A. If user A fails to submit the input X of the one-way function within time T1 set by the first asset transfer information, the server side of the digital asset will perform a timeout operation for the first asset transfer information, canceling the first asset transaction.

In an embodiment of the first asset server-based transaction method of the present invention, in step S24, after determining whether the receiving time of the input X of the one-way function F exceeds the timeout time T1, the method further includes:

If the receiving time of the input X of the one-way function F exceeds the timeout time T1, the first asset server will cancel the transaction automatically, and will not transfer the first asset of the user B to the user A, so as to further ensure the security of the transaction.

In an embodiment of the transaction method based on the first asset server, in step S21, first asset transfer information of a first asset transaction sent by the client of the user B is obtained, where the first asset transfer information includes: the method comprises the following steps of transferring first asset account information of a target user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein after the first asset is a digital asset or a legal currency asset:

Here, if the acquisition time of the request for canceling the first asset transaction does not exceed the timeout time T1, the first asset server does not perform the operation of canceling the first asset transaction, that is, within the timeout time T1, the user B cannot cancel the digital asset transaction, so as to ensure that there is enough input X to the one-way function F sent by the client of the user a; if the acquisition time of the request for canceling the first asset transaction exceeds the timeout time T1, the first asset server will automatically cancel the digital asset transaction, so as to further ensure the security of the transaction.

In an embodiment of the transaction method based on the first asset server of the present invention, after acquiring the first asset transfer information of the first asset transaction sent by the client of the user B in step S21, the method includes:

locking a first asset transfer amount in an account of user B;

After the first asset transfer information of the first asset transaction sent by the client of the user B is acquired, the first asset transfer amount in the account of the user B is locked, at this time, only the legal currency is locked, but not the transaction action of the legal currency is executed, so that the user A does not acquire the first asset of the user A, and the user B is ensured not to dominate the locked first asset transfer amount within the timeout time T1, so as to further ensure the transaction safety.

With reference to the foregoing embodiment, after determining whether the receiving time of the input X of the one-way function F exceeds the timeout time T1, if the receiving time exceeds the timeout time T1, the operation of canceling the transaction is performed, and the lock on the first asset transfer amount in the first asset account of the user B is released, so as to further ensure the security of the transaction.

In combination with the another embodiment, the method includes obtaining a request for canceling a transaction sent by a client of user B, determining whether the obtaining time of the request for canceling a first asset transaction exceeds the timeout time T1, and if the obtaining time of the request for canceling a first asset transaction exceeds the timeout time T1, performing an operation of canceling the first asset transaction, and unlocking the first asset transfer amount in the first asset account of user B, so as to further ensure transaction security.

In an embodiment of the transaction method based on the financial institution server of the present invention, in step S11, in the first fiat money transfer information of the first fiat money transaction sent by the client of the user a,

Here, the present invention essentially discards the way transactions are completed by a centralized transaction facility. There have been corresponding technologies in the digital world that enable point-to-point transactions, but there are major difficulties with traditional financial institutions participating in digital asset transactions due to the weaknesses of traditional finance. Aiming at the transfer process of the traditional financial institution based on the secret key, the invention reasonably designs the secret key generation based on the one-way function and designs the mechanism based on time T1 and T2 locking to eliminate the technical innovation such as transaction risk and the like, so that the traditional financial institution can directly transact with the digital asset at the transaction level without the help of a centralized transaction institution.

The present invention enables not only atomic transactions between a first legal tender system (financial institution system) and digital assets, but also atomic transactions between different first legal tender systems (financial institution systems). The invention effectively solves the transaction problem between different asset domains, in particular the credit problem of the transaction between the traditional financial institution and the emerging digital assets.

In an embodiment of the financial institution server-based transaction method of the present invention, in step S12, the user B' S client is obtained from the input X of the one-way function F sent based on the first fiat money transfer information,

the input X of the one-way function F is preset by the client of the user B.

In an embodiment of the financial institution server-based transaction method of the present invention, if the comparison result is consistent, after performing a transfer operation on the user B corresponding to the first legal money account information and the first legal money transfer amount, the method further includes:

and sending the input X of the one-way function F to the client of the user A.

The invention also provides an embodiment of a transaction method based on the client of the user A, which comprises the following steps,

step S31, obtaining first asset transfer information from a first asset server, wherein the first asset transfer information comprises: the method comprises the steps that first asset account information of a transfer object user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein the first asset is a digital asset or a second legal currency asset;

step S32, confirming the first asset transfer information,

step S33, if the confirmation is passed, based on the one-way function F in the first asset transfer information and the output F (X) corresponding to the one-way function F, generating first legal money transfer information, and sending the first legal money transfer information to a financial institution server, wherein the first legal money transfer information comprises: the first legal money account information of the transfer object user B, the first legal money transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T2;

here, the user a can log in to the system provided by the financial institution server through a username and password provided by the financial institution (some institutions may provide certificates and the like in a more secure manner).

After the user A confirms that the first asset transfer information sent by the first asset server is error-free, in the transfer process, the user A also needs to send legal money transfer information to the financial institution server, and the method comprises the following steps: and the timeout T2 is used for receiving the one-way function F and the output F (X) of the one-way function from the first asset server, and the legal currency transferred to the user B by the user A can be obtained only after the input X of the one-way function is correctly submitted to the financial institution by the subsequent user B.

And step S34, receiving an input X of a one-way function from the financial institution server, and sending the input X of the one-way function to the first asset server, wherein the input X of the one-way function is calculated by the financial institution server based on the one-way function F in the first legal money transfer information and the received input X of the one-way function F, and the calculated output F (X) is compared with the output F (X) in the first legal money transfer information, and if the comparison result is consistent, the user B is subjected to a transfer operation corresponding to the first legal money account information and the first legal money transfer amount, and then the transfer operation is sent.

In an embodiment of the transaction method based on the client of the user B, the method includes,

step S41, sending first asset transfer information to a first asset server, wherein the first asset transfer information comprises: the method comprises the steps that first asset account information of a transfer object user A, a first asset transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T1, wherein the first asset is a digital asset or a second legal currency asset;

step S42, receiving first fiat money transfer information from a financial institution server, wherein the first fiat money transfer information includes: the first legal money account information of the transfer object user B, the first legal money transfer amount, a one-way function F, an output F (X) corresponding to the one-way function F and a timeout time T2;

step S43 is based on the input X of the one-way function F sent to the financial institution server after confirmation of the first fiat money transfer information.

As shown in fig. 5, a specific flow of the scheme for implementing atomic transactions between the legal tender system and the digital asset system is described in detail:

1.1 user B may sign an intelligent contract on a digital asset system (mostly blockchain technology) in which the digital assets for user B are locked from user B accounts and the recipients of the assets are set as user A. Since the digital asset is only locked at this time, and not the transaction action of the digital asset is performed, the user a does not obtain the digital asset of the user B at this time. In addition to the normal setting information, in the smart contract, the user B is required to set the timeout T1, the one-way function F, and the output F (x) of the one-way function, wherein,

the one-way function F is used for providing a secret which cannot be tampered by the user B to the digital asset service terminal, in addition, the user B needs to set an input X of the one-way function F, the input X of the one-way function F is saved as the secret by the user B, the user A cannot obtain the input X of the one-way function at present, but the user A can obtain the one-way function F and an output F (X) of the one-way function.

1.2 after user B sets up the intelligent contract, the digital asset server executes the intelligent contract of user B, at this moment, the output F (X) of one-way function F and one-way function is published to user A or owner through the digital asset server, the output F (X) of one-way function F and one-way function is not published by user B, it can prevent user B from tampering the publication content, user A can obtain the intelligent contract, including the output F (X) of one-way function F and one-way function, at the same time, user A can look over and examine other settings of the intelligent contract, the information to be verified includes: amount, whether the intelligent contract was initiated by user B, whether the beneficiary of the intelligent contract is user a, and whether the agreed time T1 ensures that the transaction is proceeding smoothly, at which time user B is still the holder of the digital asset, but that portion of the digital asset has been locked (frozen) by the digital asset server.

1.3 user A can log in to the system provided by the financial institution server through the user name and password provided by the financial institution (some institutions can provide certificates and other more secure modes).

1.4 after the user A confirms that the intelligent contract sent by the digital asset server is error-free, the financial institution freezes the legal currency to be transferred to the user B by the user A, but the user A also needs to set the legal currency transfer information in the financial institution during the transfer process, and the method comprises the following steps: the timeout T2 is a time that the user B cannot obtain the legal currency transferred to the user B by the user a until the user B has submitted the input X of the one-way function to the financial institution after the one-way function F and the output F (X) of the one-way function that have been published by the digital asset server, and at this time, the legal currency remains in the account of a, but the financial institution freezes the legal currency.

1.5 after user A sets up the fiat money transfer information, user B is notified from the financial institution server and logs into the financial institution's system. During the login process, B also passes the security authentication measures (password, certificate, etc.) of the financial institution. After logging into the system, B will also check the information of the a setting, and will check the information of the a setting, and the information to be verified includes: the amount, whether the transfer was initiated by A, whether the beneficiary of the transfer was B, and whether the time of transfer engagement T2 (provided to user B to enter X at time T2 to complete the transaction, otherwise fiat currency would not be transferred by user A to user B) would ensure that the fiat currency transaction proceeded smoothly. After confirming that no error exists, the user B sends the input X of the one-way function to the financial institution server within the time T2.

1.6 after the financial institution server acquires the X input by the user B, the financial institution server calculates the input X of the user B according to the one-way function in the content of the legal money transfer information set by the user A to obtain the output F (X) of the calculated one-way function, if the result of the output F (X) of the calculated one-way function is the same as the result of the output F (X) of the one-way function in the content of the legal money transfer information from F (X), the financial institution server transfers the legal money to the account of the user B. If the results of the calculations are different, then the fiat currency will not be sent to user B until user B can provide an input value X that matches F (X), and if user B does not enter the correct X within time T2, then the fiat currency will be thawed and returned to A, typically T2< T1.

1.7 after the financial institution server transfers the fiat currency to user B, user B obtains the fiat currency of user A, at this time, the financial institution server sends the input X of the one-way function received from user B to user A through the notification system.

1.8 after the user A obtains X from the service end of the financial institution, the client of the user A logs in the digital asset service end to find the intelligent contract set by the user B and input the input X of the one-way function. The server side of the digital asset has a time difference between the input X to the one-way function in the digital asset transfer information and the input X to the one-way function provided by the server side of the financial institution, which is smaller than T1, to prevent the intelligence of B from timing out within about T1.

1.9 the intelligent contract in the digital assets calculates F (X) according to the input of the user A and compares the F (X) with the F (X) set in the intelligent contract, if the comparison result is the same, the intelligent contract is executed, and the corresponding digital assets are sent to the user A. If user A fails to submit input X of the one-way function within time T1 set by the intelligent contract, the server of the digital asset will perform the timeout action of the intelligent contract, unfreeze the digital asset, and return the asset to B.

In the above-described atomic transaction, if the party knowing the one-way function input X quickly obtains the corresponding transfer after the user A, B sets the first asset transfer information or the fiat money transfer information and then withdraws the own issued transfer, it is possible to prevent the own transfer from being performed.

To avoid this risk, the financial institution, such as bank internal transfer, described in the present invention requires periodic locking, i.e., within the time T1, T2 mentioned earlier. The time for agreeing on two systems for atomic exchange in the present invention needs to be weakly synchronized. By weak synchronization is meant that the two systems are not required to be in strict synchronization but rather within a relatively loose error range. After the two systems are weakly synchronized in time, the party setting up the transfer must set a time period T1, T2 within which the transfer transaction is not allowed to be reversed. The purpose of this is to give both parties to the transaction sufficient time to complete the transaction.

Meanwhile, in order that the transfer can be cancelled in case of unsuccessful transfer, when the transfer is not successfully performed within the time T1, T2, the transfer transaction is cancelled by the financial institution server or the first asset server instead of the transaction party of the transfer.

The present invention can implement not only the atomic transaction between the legal tender system (financial institution system) and the digital asset, but also the atomic transaction between different legal tender systems (financial institution systems), as shown in fig. 6:

2.1 user B logs on to the Bank 2 System.

2.2 user B may set up a second fiat money transfer message on the bank 2 system in which the second fiat money for user B is locked from user B account and the recipient of the second fiat money is set up as user A. User A does not obtain user B's second legal currency at this time because only the second legal currency is locked, and not the transaction action for the second legal currency. In addition to the normal setting information, in the second fiat money transfer information, the user B is required to set the timeout T1, the one-way function F, and the output F (x) of the one-way function, wherein,

timeout T1 is user B providing input X provided to A within timeout T1 to complete the transaction, otherwise the second fiat currency is not transferred by user B to user A, timeout T1 is the process used to handle the timeout of the second fiat currency transfer information;

2.3 after user B sets the second fiat money transfer information, the second fiat money server sends the second fiat money transfer information to A

2.4 user A logs into the account of the bank 2 system separately.

2.5 user A first checks the second legal money transfer information in bank 2, the information to be verified including: the information to be verified includes: the amount of the second fiat currency, whether the second fiat money transfer information was initiated by user B, whether the beneficiary of the second fiat money transfer information is user a, and whether the agreed time T1 warrants a successful transaction, at which time user B remains the holder of the second fiat currency, although that portion of the second fiat currency has been locked (frozen) by the bank 2 system.

In addition, the user a can log in to the bank 1 system through a username and password provided by the bank 1 system (some organizations may provide certificates and the like in a more secure manner).

After confirming that the second legal money transfer information in the bank 2 system is error-free, the user a freezes the first legal money to be transferred to the user B by the bank 1 system user a, but the user a also needs to set the first legal money transfer information in the bank 1 system during the transfer process, which includes: the timeout T2 is such that the one-way function F and its output F (X) that have been published by the bank 2 system, and the first fiat currency that user a transferred to user B, is only available to subsequent users B after the correct input X to the one-way function is submitted to the bank 1 system, and at this point the first fiat currency remains in a's account, but the bank 1 system freezes the fiat currency.

2.6 user B logs into the account of the Bank 1 System.

2.7B user B will then check the first fiat money transfer information set by user A, and B will likewise check the information set by A, including the information to be verified: the amount of the first fiat currency, whether the transfer of the first fiat currency transfer information was initiated by user a, whether the beneficiary of the transfer was user B, and whether the timeout time T2 for the transfer appointment (user B was provided with an input X for time T2 to complete the transaction, otherwise fiat currency would not be transferred by user a to user B) would ensure that the fiat currency transaction proceeded smoothly. After confirming that no error exists, B inputs X to the bank 1 system, the bank 1 system calculates F (X),

2.8 after the bank 1 system acquires the X input by the user B, the bank 1 system calculates the input X of the user B according to the one-way function in the content of the first legal money transfer information set by the user A to obtain the output F (X) of the calculated one-way function, and if the result of the output F (X) of the calculated one-way function is the same as the result of the output F (X) of the one-way function in the content of the legal money transfer information from F (X), the bank 1 system transfers the first legal money into the account of the user B. If the results of the calculations are different, then the first legal currency will not be sent to user B until user B can provide an input value X that matches F (X), and if user B does not enter the correct X within the time T2, the first legal currency will be thawed, and also to A, typically T2< T1 may be set.

2.9 after user B has obtained user A's first legal currency, the Bank 1 system will send user A the input X of the one-way function received from user B.

3.0 user A sends input X to the one-way function to the Bank 2 System.

3.1 Bank 2 System checks that calculated F (X) is the same as F (X) previously set for the second fiat money transfer information, if so, performs the transfer and sends the second fiat money to A.

confirming the first asset transfer information,

For details of embodiments of each device and storage medium of the present invention, reference may be made to corresponding parts of each method embodiment, and details are not described herein again.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

It should be noted that the present invention may be implemented in software and/or in a combination of software and hardware, for example, as an Application Specific Integrated Circuit (ASIC), a general purpose computer or any other similar hardware device. In one embodiment, the software program of the present invention may be executed by a processor to implement the steps or functions described above. Also, the software programs (including associated data structures) of the present invention can be stored in a computer readable recording medium, such as RAM memory, magnetic or optical drive or diskette and the like. Further, some of the steps or functions of the present invention may be implemented in hardware, for example, as circuitry that cooperates with the processor to perform various steps or functions.

In addition, some of the present invention can be applied as a computer program product, such as computer program instructions, which when executed by a computer, can invoke or provide the method and/or technical solution according to the present invention through the operation of the computer. Program instructions which invoke the methods of the present invention may be stored on a fixed or removable recording medium and/or transmitted via a data stream on a broadcast or other signal-bearing medium and/or stored within a working memory of a computer device operating in accordance with the program instructions. An embodiment according to the invention herein comprises an apparatus comprising a memory for storing computer program instructions and a processor for executing the program instructions, wherein the computer program instructions, when executed by the processor, trigger the apparatus to perform a method and/or solution according to embodiments of the invention as described above.

It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned. Furthermore, it is obvious that the word "comprising" does not exclude other elements or steps, and the singular does not exclude the plural. A plurality of units or means recited in the apparatus claims may also be implemented by one unit or means in software or hardware. The terms first, second, etc. are used to denote names, but not any particular order.

Claims

1.A transaction method based on a financial institution server, wherein the method comprises the following steps:

2. The method of claim 1, wherein obtaining the transfer information for the transaction sent by the client of user a comprises:

locking the first fiat money transfer amount in the account of user a;

3. A first asset server-based transaction method, wherein the method comprises:

sending the first asset transfer information to a client of a user A;

4. A transaction method based on a client based on a user a, wherein the method comprises:

confirming the first asset transfer information,

5. A transaction method based on a client of a user B, wherein the method comprises:

6. A financial institution server, comprising:

7. A first asset server, comprising:

8. A client of a user a, comprising:

confirming the first asset transfer information,

9. A client of a user B, comprising:

10. A computer readable medium having computer readable instructions stored thereon which are executable by a processor to implement the method of any one of claims 1 to 5.