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CN-122022806-A - RWA-NFT transaction and settlement method based on hardware binding of Internet of things

CN122022806ACN 122022806 ACN122022806 ACN 122022806ACN-122022806-A

Abstract

The invention is suitable for the field of digital transaction, and provides an RWA-NFT transaction and settlement method bound by hardware of the Internet of things, when assets are initialized, and acquiring data by using the NFC chip and the multi-mode sensor, encrypting and uploading the data, generating a unique asset DNA hash through a multiparty signature, writing the unique asset DNA hash into a alliance chain to determine the right, and casting the NFT corresponding to the physical asset one by one. When the NFT circulates, the compliance engine monitors transactions in real time and checks rules, and when the rules are violated, the assets are automatically frozen and reported. When the user exchanges the real object, the API calls the intelligent contract to destroy the NFT after checking, drives the logistics to deliver goods and writes the logistics information back into the blockchain to finish settlement. The invention solves the problems of unreliable asset anchoring, weak compliance control and low settlement efficiency in the process of digitizing the entity asset, improves the transaction safety, compliance and efficiency, and has important application value in the field of digital transaction of the asset.

Inventors

  • QI PENGBO
  • ZHANG DONGDONG
  • ZHOU BIAO

Assignees

  • 杭州比邻星数据科技有限公司

Dates

Publication Date
20260512
Application Date
20260121

Claims (10)

  1. 1. An RWA-NFT transaction and settlement method for hardware binding of an internet of things, which is characterized by comprising the following steps: When the asset is initialized, the IMEI and the multi-mode sensor data are acquired through an NFC chip embedded with the physical asset, encrypted and uploaded to a server; The server end constructs Merkle tree to obtain Merkle root M by using five data of standardized near field communication unique identifier NFC_UID, international mobile equipment identification code IMEI, serial number set SERIALS, SENSOR data STREAM SENSOR_STREAM, geographic position+timestamp GEO_TIME, and performs ECDSA signature on M by combining brand side, notarization side and platform side and calculates aggregate hash A to generate unique asset DNA hash; through Oracle service of a distributed multi-node architecture, after the identification verification of brand parties, notarization parties and platform parties, the unique asset DNA hash and signature information are written into a alliance chain to finish the right confirmation, so that the credible uplink of data under the chain is ensured; The intelligent contract automatically casts the NFT based on the unique asset DNA hash and signature information, wherein the metadata of the NFT comprises right-determining and compliance information and corresponds to the physical asset one by one; When the NFT circulates, the compliance engine monitors transactions in real time and automatically checks a KYC/AML rule, a transaction quota rule and a blacklist rule, calculates risk scores through a risk score formula, judges risk grades according to a preset risk threshold, judges that illegal transactions are detected if the risk is high, automatically freezes related NFT assets and reports to a supervision platform; After a user initiates a physical exchange request, an API service verifies the user identity and the NFT attribution right, an intelligent contract is called to destroy the NFT, an Oracle drives a logistics system to automatically order and deliver goods, the Oracle drives the logistics system to deliver goods, the logistics state is converted according to a preset core flow, and a preset quality index is verified; And the logistics node writes back the transportation track and the signing confirmation information to the blockchain in real time, and completes the fund settlement, thereby ensuring the refund of the fund after the settlement.
  2. 2. The method of claim 1, wherein the multi-modal sensor data includes temperature and humidity sensor data, shock sensor data, and position sensor data.
  3. 3. The method of claim 1, wherein the generation of the unique asset DNA hash comprises the steps of: Carrying out deterministic serialization on the acquired NFC_ UID, IMEI, SERIALS, SENSOR _stream and GEO_TIME data, and unifying key sequencing, numerical precision and coding format; subset-by-subset calculation She Haxi h_i= keccak256 (encode (x_i)), rank She Haxi in tag dictionary, where x_i represents the normalized raw data unit of the i-th subset of data, x_i e { nfc_ UID, IMEI, SERIALS, SENSOR _stream, geo_time }; Constructing a Merkle tree, calculating a Merkle root M= MerkleRoot (h_1,..once, h_n), wherein an internal node adopts keccak (left|right), and h_n is a She Ziha-volt value calculated by an nth data subset x_n, and odd-numbered leaf patches are spliced by themselves; The branding party, the notarizing party and the platform party sign the Merkle root M to generate a signature set s_p=ECDSA_sign (sk_p, M), sk_p represents the private key of the party p, the signature is serialized into r s v fixed length, calculate signature aggregate hash a= keccak < 256 > (concat (sorted by pubkey (s p))), A is a promise value of signature combination, and rII II V represents a fixed-length serialization representation of an ECDSA signature; The final hash is calculated by adopting a formula of DNA hash=sha3-512 (DS M a TS SALT), wherein DS is a domain separator, TS is a timestamp, the time of a coalition chain validation block is taken, SALT is SALT, and the manufacturing batch hash and the secure random number are taken.
  4. 4. The method of claim 1, wherein the compliance engine built-in wind control rules include a single transaction limit, a daily cumulative limit, a reputation score, and a blacklist rule, and automatically calculates the tax based on the transaction type and amount.
  5. 5. The method of claim 1, wherein the data written back to the blockchain by the logistics node includes a transportation track and a receipt confirmation.
  6. 6. The method of claim 1, wherein the federation chain is used to store asset DNA hashes and digital signatures, and the common chain is used to process NFT circulation transactions, implementing inter-chain data collaboration through Oracle.
  7. 7. The method of claim 1, wherein all compliance events and the transportation track, signature confirmation information mark a blockchain supporting regulatory agency real-time auditing.
  8. 8. The method of claim 1, wherein the risk scoring algorithm of the compliance engine is: Defining rule output r_i epsilon [0,1] and weight w_i epsilon [0,1], and r_ +w_i=1, and normalizing risk score r=Σw_i_i seed r_i; When R is more than or equal to 0.8, judging that the risk is high and freezing the asset, wherein R is more than or equal to 0.5 and less than or equal to 0.8, limiting transaction and triggering manual rechecking, and when R is less than or equal to 0.5, normally releasing; Wherein the rule outputs include a transaction frequency r_freq=min (freq/limit, 1), an amount deviation r_amt=min (current/avgK, 1), a blacklist r_bl=1/0, wherein freq represents an actual number of transactions initiated within a preset statistical time window, limit represents a preset upper safe transaction frequency threshold, current represents a transaction amount of a current transaction to be evaluated, an asset transfer number, avgK represents a K-fold threshold of an average transaction amount calculated based on historical transaction data, avgK =kxavg_current, avg_current is a historical average transaction amount of an account or device, and K is a configurable magnification factor.
  9. 9. The method of claim 1, wherein the state transition of the logistics system follows the following rules: the legal conversion sequence is: Created→Approved→InWarehouse→InTransit→LastMile→Delivered→Confirmed→Completed; entering Disputed states when any node state is abnormal; And after the delayed state is reached, the dispute is not initiated to be automatically converted into the fixed state within 48 hours, and when the transport state is not updated after the overtime, the exception examination is triggered and settlement is frozen.
  10. 10. The method of claim 1, wherein the quality check indicator of physical redemption comprises PACKAGEINTACT, TEMPERATURENORMAL, HUMIDITYNORMAL, PACKAGEINTACT indicating good appearance, temperatureNormal indicating a temperature within [5,35] °c, humidityNormal indicating humidity within [20,60]% RH; The sensor data is verified through a device key HMAC; The settlement accounting amount a_i=floor (a×p_i), the total cost fee=Σ (base_k+rate_k×a_i), and the final accounting amount=accounting amount-total cost, wherein a represents the total allocable amount a, p_i represents the product of the accounting proportions of the ith participant, a_i represents the accounting amount actually allocable by the ith participant in the settlement period, base_k represents a fixed cost item corresponding to the kth type cost, and rate_k represents a proportional rate coefficient corresponding to the kth type cost.

Description

RWA-NFT transaction and settlement method based on hardware binding of Internet of things Technical Field The invention belongs to the field of digital transaction, and particularly relates to an RWA-NFT transaction and settlement method based on hardware binding of the Internet of things. Background In recent years, NFT is rapidly rising worldwide as a digital asset based on blockchain technology, and its unique uniqueness and irreplaceability makes it widely used in a plurality of fields such as artwork, games, digital collectibles, etc. Meanwhile, with the development of the internet of things technology, the requirement of digitalization of physical assets is increasing, the trend of combining Real World Assets (RWA) with NFT is gradually revealed, and the aim of giving digital identity to the physical assets is achieved, so that the asset circulation efficiency and safety are improved. The current partial scheme generates corresponding digital asset certificates by simply recording the entity asset information on a blockchain, thereby realizing the asset digitization to a certain extent. In some luxury authentication scenes, basic information of products such as models, batches and the like can be collected and uplink, but real-time collection and binding of all-dimensional state data of physical assets are lacking, in a transaction link, transaction matching is carried out by relying on a traditional centralized platform, and compliance verification is carried out through manual auditing or a simple rule engine. In the aspect of asset anchoring, due to the lack of real-time acquisition and unique binding of multi-mode data of physical assets, the authenticity and uniqueness of the digitized assets are difficult to ensure, and the situation of counterfeiting or repeated anchoring is easy to occur. In compliance monitoring, manual auditing or a simple rule engine cannot carry out compliance verification on transactions comprehensively in real time, so that illegal transactions are difficult to discover and prevent in time, and increasingly strict supervision requirements cannot be met. And in the transaction settlement process, a plurality of participants and complex manual operation are involved, so that the settlement efficiency is low, and the fund circulation period is long. Disclosure of Invention The invention aims to provide an RWA-NFT transaction and settlement method bound by hardware of the Internet of things, and aims to solve the technical problems in the prior art determined in the background art. The invention discloses an RWA-NFT transaction and settlement method bound by hardware of the Internet of things, which comprises the following steps: and (3) asset initialization, namely acquiring IMEI (international mobile equipment identification code) and multi-mode sensor data (including BME280 temperature and humidity sensor data, NEO-M8N position sensor data and vibration sensor data) of the real asset through an ST25DV04K-I series tamper-resistant NFC chip embedded in the real asset during asset initialization. After abnormal value detection, noise filtration, format unification and time synchronization preprocessing are carried out on the acquired data, the acquired data is uploaded to a server through an encryption communication protocol, and the integrity and confidentiality of the original data are ensured. And generating DNA hash, namely carrying out deterministic serialization on the preprocessed NFC_ UID, IMEI, SERIALS, SENSOR _STREAM and GEO_TIME five types of data by a server end in combination with a brand side, a notarization side and a platform side, calculating keccak and She Haxi subset by subset, and constructing a Merkle tree according to a label dictionary order to obtain a Merkle root M. The three parties sign M through ECDSA algorithm, calculate aggregate hash A after sequencing signature according to public key byte word order, and generate unique asset DNA hash (DS is domain separator 'TRUSTBASE _DNA_V1', TS is alliance chain right block time stamp, SALT is manufacturing batch hash or safe random number) by adopting formula DNA hash = SHA3-512 (DS is M is TS). The generated asset DNA hash and digital signature are written into a alliance chain after multi-party consensus verification through Oracle service of a distributed multi-node architecture, and asset right confirmation is completed. NFT casting-intelligent contracts automatically cast NFTs based on unique asset DNA hash and signature information stored in the federation chain. The NFT supports ERC-721/1155 standard, metadata comprises DNA hash, three-party signature digest and compliance information, DNA uniqueness is checked through mapping (bytes 64= > pool), the metadata corresponds to physical assets one by one, and hard binding of the physical assets and the NFT is achieved. And in the circulation process of the NFT, the compliance engine monitors the transaction behavior in real time according to the hiera