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ABSTRACTAs a distributed ledger technology, blockchain has broad applications in many areas such as finance, agriculture, and contract signing due to its advantages of being tamperproof and difficult to forge. However, the open nature of blockchain also introduces severe privacy issues, currently cryptocurrency privacy protection solutions under account-based models cannot balance the internal verification time and confidentiality of transactions. In order to improve the confidentiality and efficiency of transactions under the account-based model, this paper proposes an access control anonymous payment scheme based on homomorphic commitment and aggregated zero-knowledge proofs, focusing on the realization of a one-to-many anonymous transfer function, one-to-one transfer function, deposit function and withdraw function, to ensure the privacy of a transaction data while reducing verification time and Gas costs. We evaluated our approach on a proof-of-concept implementation by generating Solidity contracts and implemented some interesting contracts. The experimental results show that this scheme not only consumes lower gas, but also reduces the internal time during transaction generation. In addition, our solution has established a one to many transfer transaction scheme, and the proof verification time after aggregation is constant. Thus the efficiency of this scheme is particularly well suited for the digital finance scenarios.