CN106961481B - Bad asset information sharing method and server based on block chain technology - Google Patents

Bad asset information sharing method and server based on block chain technology Download PDF

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CN106961481B
CN106961481B CN201710213720.XA CN201710213720A CN106961481B CN 106961481 B CN106961481 B CN 106961481B CN 201710213720 A CN201710213720 A CN 201710213720A CN 106961481 B CN106961481 B CN 106961481B
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information
investment
asset
block chain
bad
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CN106961481A (en
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路成业
邢超
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Zhongji Education Technology Co.,Ltd.
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Sinochain Technology Co ltd
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    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/01Protocols
    • H04L67/10Protocols in which an application is distributed across nodes in the network
    • H04L67/1001Protocols in which an application is distributed across nodes in the network for accessing one among a plurality of replicated servers
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis

Abstract

The application provides a bad asset information sharing method and a server based on a block chain technology, wherein the method comprises the following steps: acquiring bad asset disposal information and investment demand information; saving the undesirable asset disposition information and the investment requirement information into a blockchain which is locally maintained together with other service nodes, so that the undesirable asset disposition information and the investment requirement information can be inquired from the blockchain by both the local service nodes and the other service nodes; the undesirable asset disposition information and the investment requirement information are stored in a newly created block of the blockchain. The bad asset disposal information and the investment demand information are shared among different disposal platforms through the block chain, and the bad asset disposal rate is improved.

Description

Bad asset information sharing method and server based on block chain technology
Technical Field
The application relates to a block chain technology, in particular to a bad asset information sharing method and a server based on the block chain technology.
Background
The blockchain is a novel application technology set of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. From a data perspective, the block chain combines data blocks in a sequential connection manner into a chain data structure according to the time sequence, and the data structure is ensured to be not falsifiable and not falsifiable in a cryptographic manner. From the technical point of view, the blockchain technology integrates various different technologies, and by constructing a blockchain network, each node in the network is allowed to obtain a complete database copy, and updates of the blockchain-based database are maintained based on a consensus mechanism and competition calculation, so that the decentralized and distrust of data storage and management are realized through an end-to-end network formed by communication of a plurality of nodes.
In a blockchain network, all operating rules and data information are public for all nodes, so each record is visible to all nodes. Meanwhile, because the nodes are distrusted, the nodes do not need to disclose identities, and each participated node is anonymous. Meanwhile, the blockchain technology has excellent security, and the modification of the database by a single node or even multiple nodes cannot affect the databases of other nodes, unless more than 51% of the nodes in the whole network can be controlled to modify simultaneously, so that the modification of the data recorded by the blockchain is possible and is almost impossible.
In the prior art, the common problems of the network platform for developing the bad asset handling service are as follows: the respective information is closed relative to other platforms, and the operation mode and the service capability of each platform are different, so that the bad assets which can be treated originally become 'sleeping assets' due to various limitations of the platform.
Disclosure of Invention
In view of this, the mid-chain cross-platform invitation intercommunication system is just directed at such problems, so that the sleeping assets can flow across platforms, the treatment probability is improved, and the healthy development of the whole industry is promoted. The application provides a bad asset information sharing method and a server based on a block chain technology, and aims to solve the technical problem that bad asset treatment probability is low due to poor mobility of bad asset information in the prior art.
According to an aspect of an embodiment of the present application, there is provided a method for sharing bad asset information based on a blockchain technique, the method including: acquiring bad asset disposal information and investment demand information; saving the undesirable asset disposition information and the investment requirement information into a blockchain which is locally maintained together with other service nodes, so that the undesirable asset disposition information and the investment requirement information can be inquired from the blockchain by both the local service nodes and the other service nodes; the undesirable asset disposition information and the investment requirement information are stored in a newly created block of the blockchain.
According to another aspect of the embodiments of the present application, there is provided a server, including: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to: acquiring bad asset disposal information and investment demand information; saving the undesirable asset disposition information and the investment requirement information into a blockchain which is locally maintained together with other service nodes, so that the undesirable asset disposition information and the investment requirement information can be inquired from the blockchain by both the local service nodes and the other service nodes; the undesirable asset disposition information and the investment requirement information are stored in a newly created block of the blockchain.
The beneficial effects of the embodiment of the application include: in a plurality of service nodes of a common maintenance block chain, after acquiring the bad asset disposition information or the investment requirement information, any service node records the bad asset disposition information or the investment requirement information in a newly generated block of the block chain, and the sharing of the bad asset disposition information and the investment requirement information among different disposition platforms is realized through the block chain, so that the improvement of the bad asset disposition rate is facilitated, the safety of the information is improved, and the falsification or the forgery is prevented.
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The above and other objects, features and advantages of the present application will become more apparent from the following description of embodiments thereof with reference to the accompanying drawings, in which:
FIG. 1 is a schematic diagram of an architecture of a bad asset handling service system according to an embodiment of the present application;
FIG. 2 is a schematic diagram of an architecture of a bad asset handling service system according to an embodiment of the present application;
FIG. 3 is a schematic diagram of an architecture of a bad asset handling service system according to an embodiment of the present application;
FIG. 4 is a flowchart illustrating a method for sharing bad asset information based on a blockchain technique according to an embodiment of the present application;
FIG. 5 is a flowchart illustrating a method for sharing bad asset information based on a blockchain technique according to an embodiment of the present application;
fig. 6 is a flowchart illustrating a bad asset information sharing method based on a blockchain technique according to an embodiment of the present application.
Detailed Description
The present application is described below based on examples, but the present application is not limited to only these examples. In the following detailed description of the present application, certain specific details are set forth in detail. It will be apparent to one skilled in the art that the present application may be practiced without these specific details. Well-known methods, procedures, components and circuits have not been described in detail so as not to obscure the present application.
Further, those of ordinary skill in the art will appreciate that the drawings provided herein are for illustrative purposes and are not necessarily drawn to scale.
Unless the context clearly requires otherwise, throughout the description and the claims, the words "comprise", "comprising", and the like are to be construed in an inclusive sense as opposed to an exclusive or exhaustive sense; that is, what is meant is "including, but not limited to".
In the description of the present application, it is to be understood that the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. In addition, in the description of the present application, "a plurality" means two or more unless otherwise specified.
According to the method and the system, any one service node in a plurality of service nodes of a commonly maintained block chain acquires the bad asset disposition information and the investment demand information and records the bad asset disposition information and the investment demand information in the newly generated block of the block chain, decentralized management of the bad asset information is achieved, the bad asset information from different transaction platforms is shared, mobility of the bad asset information is improved, and the disposition rate is improved. In a plurality of service nodes, one service node can be configured as a transaction matching node, sleeping assets are screened out from the blockchain, and secondary matching is carried out according to investment demand information, so that the disposal rate of poor assets is further improved.
Fig. 1 is a schematic architecture diagram of a bad asset handling service system provided by an embodiment of the present application, which includes a plurality of service nodes 2 to commonly maintain a blockchain. The service node 2 should have the basic requirements of a blockchain network node, which may be a general-purpose data processing device, such as a desktop computer, a workstation, a server, etc., complying with the relevant requirements and adapted to execute predetermined program instructions. The blockchain can be a common blockchain, and any enterprise or group can issue bad asset disposal information and receive investment requirement information through the erection service node 2 and can obtain effective confirmation of the blockchain; or a joint block chain, wherein the service nodes 2 provided by a plurality of bad asset handling platforms determined by each court and its execution department are responsible for maintaining the block chain, and the generation of each block is jointly determined by all the predetermined service nodes 2. In order to maintain the authority and fairness of bad asset disposition, a federated blockchain approach is more preferred.
The bad asset disposal information is uniformly issued by the service node 2, and the investment requirement information is also uniformly received by the service node 2. The service node 2 may obtain the bad asset disposition information and the investment requirement information from a local storage or an external storage device, or may receive the bad asset disposition information and the investment requirement information uploaded by the client 1 outside the system through a network.
After acquiring the bad asset disposal information or the investment requirement information, the service node 2 broadcasts the acquired bad asset disposal information or the investment requirement information to the inside of the block chain network where the service node is located. Each service node 2 that receives the bad asset disposition information or the investment requirement information saves the received bad asset disposition information or the investment requirement information to the main part of the block within the block to be created, and then each service node 2 starts to acquire the right to create the new block through a competition mechanism (e.g., solving a mathematical puzzle). When one service node 2 wins the competition, it broadcasts all the time-stamped bad asset disposition information and investment requirement information stored in the block to the whole network, and is checked by other service nodes 2 in the whole network. And checking the correctness of the bad asset disposition information and the investment demand information recorded in the block by other service nodes 2 in the whole network, and if the correctness is confirmed, continuously establishing the next block by all the service nodes 2 according to the competition mechanism, thereby forming a block chain of the bad asset transaction information. The bad asset disposal information and the investment requirement information are shared among different disposal platforms through the block chain, the safety of the information is improved, and the information is prevented from being tampered or forged.
If the issued bad asset disposition information and the received investment requirement information are matched to deal in one of the service nodes 2, the service node 2 stores a deal record into the blockchain. The transaction record includes information of investor, transaction amount, time, contract, etc. The service node 2 broadcasts transaction records to the inside of the blockchain network. Each service node 2 receiving the transaction record saves the received transaction record to the main part of the block in the block to be created, and then each service node 2 starts to acquire the right to create the new block through a competition mechanism (e.g. solving a mathematical puzzle). When one service node 2 wins the competition, it broadcasts all the time-stamped transaction records stored in the block to the whole network, and is checked by other service nodes 2 in the whole network. And the other service nodes 2 in the whole network check the correctness of the transaction records recorded in the block, and if the correctness is confirmed, all the service nodes 2 continue to compete to create the next block according to the competition mechanism. Thereby realizing that the service node 2 adds the transaction record of the local platform into the blockchain.
In one embodiment, as shown in fig. 2, one of the plurality of service nodes 2 is further configured as a transaction server 3, the transaction server 3 performs statistical analysis on the bad asset disposition information and the investment requirement information stored in the blockchain, performs secondary matching on the incomplete bad asset disposition information and the investment requirement information to promote bargaining, and the matching between the information is cross-platform, and matches the information from each bad asset disposition platform stored in the blockchain, so that the liquidity of the bad asset disposition information is improved, and the disposition rate is improved. The transaction server 3 first screens the unfinished bad asset disposition information for sleeping assets according to preset rules. Drowsy assets refer to bad asset disposition information that has not been committed after a period of time after release. The trading server 3 screens out the sleeping assets which are not committed within a preset time (for example, one month) after being released according to the release time of the bad asset disposition information. Matching the sleeping asset with the location of the investor, the investment intention, the investment amount and other information of the uncompleted investment demand information according to the information of the object location, the shooting price, the price upper limit and the like of the sleeping asset, matching the sleeping asset with the uncompleted investment demand information according to the matching result, and pushing the matching result according to a contact mode reserved by the investor at a certain service node 2, such as a mobile phone short message, a mail, an instant communication, a telephone and the like, wherein the pushing can also be executed by the service node 2. If the pushed matching information is finally committed, the transaction server 3 generates a transaction record and stores the transaction record into the block chain, and the storage process of the transaction record is the same as that described above, and the description is not repeated here. The matching result can be pushed to one of the disposal party and the investor, and can also be pushed to both parties. In addition, the transaction server 3 may be configured to obtain both the bad asset disposition information and the investment requirement information, and also match and push the information stored in the blockchain.
In an embodiment, the architecture of the bad asset disposition service system may also be as shown in fig. 3, that is, the client 1' may also become a service node for maintaining the blockchain together after obtaining the authorization, so that more enterprises and organizations can upload the bad asset disposition information and the investment requirement information and add them to the blockchain by themselves after obtaining the authorization, and the bad asset disposition information and the investment requirement information in the blockchain are more comprehensive and abundant.
In the embodiment of the present application, the bad asset disposition information includes basic information of a bad asset, image information, judicial auction notice information, and the like. The basic information comprises the information of the name, the type, the obligee, the location and the like of the object of the poor asset; the image information includes pictures, videos and the like of the bad assets, and the judicial auction notice information includes information such as terms and prices. The investment requirement information includes the identity of the investor, the type, location, and amount of investment of the investment intention. After the service node which commonly maintains the block chain obtains the information, calculating a corresponding hash value for the information in the character form according to a preset algorithm and storing the hash value to a block main body in the block; for the image information in the electronic data form, image features can be extracted according to a feature recognition algorithm, and then the corresponding hash value is calculated according to a preset algorithm for storage.
Based on the block chain technology, a plurality of service nodes maintain a block chain together, and each service node stores complete block chain data, so that the block chain data can be inquired through any service node. The method can inquire the disposing information of the bad assets according to the object type, the location, the auction price and the like of the bad assets, and inquire the investment demand information according to the identity, the investment intention and other information of investors. After receiving the query request, the service node generates a corresponding hash value according to the query condition contained in the request, matches the block containing the corresponding hash value from the block chain, and outputs the related information stored in the block main body in the matched block, so that unfinished bad asset disposal information, investment requirement information and a disposed transaction record can be embodied in the query result. The information stored based on the block chain technology has strong authenticity, and is beneficial to an inquirer to comprehensively and objectively know various bad asset disposal conditions and transaction records.
Based on the above description, the embodiment of the present application provides a bad asset information sharing method based on the blockchain technology on the service node side, as shown in fig. 4, the method includes the following steps.
And S10, acquiring the bad asset disposal information and the investment requirement information.
And S11, storing the bad asset disposition information and the investment requirement information into a block chain which is locally maintained together with other service nodes, so that the local service nodes and the other service nodes can inquire the bad asset disposition information and the investment requirement information from the block chain.
According to the method, information sharing among the bad asset disposal platforms is realized through the block chain technology, the mobility of the bad asset disposal information is improved, the bad asset disposal information is not limited by an original release platform, and therefore the disposal rate is improved. For the bad asset disposal information committed at the local platform, the transaction records can be saved in the block chain, so that the transaction records of the bad assets can be accurately traced.
In one embodiment, the method for sharing bad asset information based on the blockchain technique may further include the following steps, as shown in fig. 5.
And S12, screening sleeping assets from the unfinished bad asset disposal information stored in the block chain according to preset conditions.
And S13, matching the drowsy assets with incomplete investment requirement information, and pushing a message of successful matching to a disposal party and/or an investor.
When the local service node is simultaneously configured as a transaction server in the undesirable asset disposal system, the data stored in the blockchain can be matched and pushed to match a transaction by using information from different disposal platforms, so that the undesirable asset disposal rate is further improved. If successful matching deal is carried out, the deal record is stored in the block chain, so that the cross-platform transaction of the bad assets is realized, and the cross-platform transaction of the bad assets can be reliably traced.
In one embodiment, in order to encourage more organizations and enterprises to participate in the poor asset management, and to keep track of social resources, the service nodes which have accessed the blockchain network to participate in maintenance can be rewarded, and the poor asset information sharing method based on the blockchain technology can further comprise the following steps, as shown in fig. 6.
And S14, generating a block chain currency note according to the poor asset disposition information and the investment demand information, and distributing at least part of the block chain currency note to a service node which acquires the poor asset disposition information or the investment demand information.
The blockchain currency note can be regarded as a virtual reward, after the acquired bad asset disposition information or investment demand information is added into a blockchain, the blockchain currency note is generated in a blockchain network and serves as the reward, and at least part of the blockchain currency note is distributed to service nodes acquiring the bad asset disposition information or the investment demand information, so that each service node is encouraged to acquire real bad asset disposition information or investment demand information as much as possible. The blockchain currency notes may be used to provide benefits to customers to attract more investment institutions or asset management companies to participate in trading activities; it can also be used to improve the authority index of the service node in the whole block chain network, so as to attract more investment institutions or asset management companies to actively find the intermediate transaction between the provider of the service node and the service node for disposing of bad assets.
As shown in FIG. 6, S14 may be executed concurrently with S12-S13. After the execution of S14 or S12 to S13 is completed, the following steps are continuously executed.
And S15, generating a block chain currency note according to the transaction record, and distributing at least part of the block chain currency note to a service node matching the transaction.
The method comprises the steps that the bad asset disposition information acquired locally by the service nodes is in deal with the investment demand information, or the service nodes serving as transaction servers make deal with the cross-platform bad asset disposition information and the investment demand information, block chain currency notes are generated in a block chain network to serve as rewards, and at least part of the block chain currency notes are distributed to the service nodes facilitating the transaction, so that each service node is encouraged to facilitate the bad asset disposition transactions more.
If the blockchain currency note part is distributed to the service node acquiring the bad asset disposal information and the investment requirement information or the service node facilitating the transaction, the rest blockchain currency notes can be distributed among other service nodes according to a preset strategy. The remaining block chain currency notes can be distributed to the service nodes which win the competition of creating the blocks, so that each service node can be encouraged to continuously increase the equipment investment, and the overall maintenance capacity and efficiency of the block chain are improved; alternatively, the remaining blockchain currency notes may be distributed equally or in agreed proportions among other service nodes to take into account the benefits and aggressiveness of each service node.
In addition, in this embodiment of the present application, the service node may implement the above functional steps by using a hardware processor (hardware processor). The server device of the service node includes: a processor, a memory for storing processor-executable instructions; wherein the processor is configured to: acquiring bad asset disposal information and investment demand information; storing the undesirable asset disposition information and the investment requirement information into a block chain which is locally maintained together with other service nodes, so that the local service nodes and the other service nodes can inquire the undesirable asset disposition information and the investment requirement information from the block chain; the undesirable asset disposition information and the investment requirement information are stored in a block of the blockchain that is newly created.
In one embodiment, the processor is further configured to: and storing the transaction record between the local bad asset disposition information and the investment requirement information into the block chain.
In one embodiment, the processor is further configured to: screening sleeping assets from unfinished bad asset disposal information stored in a block chain according to preset conditions; and matching the deep sleep assets with incomplete investment requirement information, and pushing a message of successful matching to a disposal party and/or an investor.
In one embodiment, the processor is further configured to: records of the deals between the sleeping assets and the incomplete investment requirements are stored in a blockchain.
In one embodiment, obtaining the undesirable asset disposition information and the investment requirement information comprises: and acquiring the bad asset disposal information and the investment requirement information from the client through the network.
In one embodiment, obtaining the undesirable asset disposition information and the investment requirement information comprises: and acquiring image information and judicial auction announcement information of the bad assets, and acquiring the identity and the investment amount of an investor with investment requirements.
In one embodiment, the processor is further configured to: and generating a block chain currency note according to the bad asset disposition information and the investment demand information, and at least partially distributing the block chain currency note to the service node which acquires the bad asset disposition information or the investment demand information.
In one embodiment, the processor is further configured to: and generating a blockchain currency note according to the transaction record, and at least partially distributing the blockchain currency note to the service node matching the transaction.
In one embodiment, the processor is further configured to: and distributing the rest part of the block chain circulation ticket to service nodes of other commonly maintained block chains according to a preset strategy.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, apparatus (device), or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims (9)

1. A method for sharing bad asset information based on a block chain technique, the method comprising:
acquiring bad asset disposal information and investment demand information;
saving the undesirable asset disposition information and the investment requirement information into a blockchain which is locally maintained together with other service nodes, so that the undesirable asset disposition information and the investment requirement information can be inquired from the blockchain by both the local service nodes and the other service nodes; the undesirable asset disposition information and investment requirement information is stored in a newly created block of the blockchain;
and storing the transaction record between the local bad asset disposition information and the investment requirement information into the block chain.
2. The method of claim 1, further comprising:
screening sleeping assets from unfinished bad asset disposal information stored in the block chain according to preset conditions;
and matching the deep sleep assets with incomplete investment demand information, and pushing a message of successful matching to a disposal party and/or an investor.
3. The method of claim 2, further comprising:
saving a record of the deal between the drowsy asset and the incomplete investment requirements in the blockchain.
4. The method of claim 1, wherein obtaining undesirable asset disposition information and investment requirement information comprises:
and acquiring the bad asset disposal information and the investment requirement information from the client through the network.
5. The method of claim 1, wherein obtaining undesirable asset disposition information and investment requirement information comprises:
and acquiring the image information and the judicial auction announcement information of the bad assets, and acquiring the identity and the investment amount of an investor with investment requirements.
6. The method of claim 1, further comprising:
and generating a block chain currency note according to the bad asset disposition information and the investment demand information, and at least partially distributing the block chain currency note to a service node which acquires the bad asset disposition information or the investment demand information.
7. The method of claim 3, further comprising:
and generating a block chain currency note according to the transaction record, and at least partially distributing the block chain currency note to a service node matching the transaction.
8. The method according to claim 6 or 7, characterized in that the method further comprises:
and distributing the rest part of the block chain currency note to other service nodes which maintain the block chain together according to a preset strategy.
9. A server, comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to: performing the method for bad asset information sharing based on blockchain technology of any one of claims 1 to 8.
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