CN109767336A - It is a kind of based on block chain P2P financing platform fund bank deposit pipe management method - Google Patents

Abstract

The present invention provide it is a kind of based on block chain P2P financing platform fund bank deposit pipe management method, the P2P fund that the first participant need to be provided deposits guard system, government's platform of the P2P financing platform application of the second participant and third participant, insurance platform etc., and each participant passes through block chain network respectively and is connected with each other；The block chain network is including intelligent contract block chain network and deposits card block chain network；P2P manages money matters platform application execution point to point network by means of after loan transaction, and P2P fund deposits guard system and carries out depositing pipe；Insurance platform provides insurance service, and deposits pipe platform progress traffic scheduling by P2P fund and deposit card, and card data are deposited in the inquiry of government's platform, analysis, audit, supervision to P2P business.The present invention realizes that P2P fund bank deposits the legal management of whole process of pipe, the data for reducing P2P transaction deposit card difficulty, the performance of the system based on block chain technology of raising simplifies approval process, the business transaction complexity of multi-party in fund trustship, improves transparency information and supervision.

Description

It is a kind of based on block chain P2P financing platform fund bank deposit pipe management method

Technical field

The present invention relates to financial industry more particularly to a kind of P2P financing platform fund bank based on block chain to deposit pipe pipe Reason method.

Background technique

P2P (person-to-person or peer-to-peer) is individual-to-individual (partner is to partner), also known as point-to-point Network is borrowed money, and is a kind of a kind of civil small amount debt-credit mode that microfinance gathers together and borrows or lends money to there is credit requirement crowd, The one kind for belonging to financial (ITFIN) product in internet belongs to civil small amount debt-credit, by internet, development of Mobile Internet technology Network lending platforms and related financing behavior, financial service.Publication in 2015 " develops about promotion internet financial health Instruction " (silver hair (2015) 221), and " network loan fund deposit and management service guides (exposure draft) " later, it is right P2P fund deposit and management service has carried out detailed regulation: first is that banking financial institutions is encouraged to carry out P2P fund deposit and management service, and It is required that P2P debt-credit working mechanism should carry out fund to deposit pipe, second is that requiring to realize clients fund and working mechanism itself fund point Account management, separately storage, third is that the links such as clearance payment and the fund disengaging of pipe fund are deposited, it need to be through lender, borrower Instruction or authorization, are acted according to enabling, fourth is that fund Cun Guan mechanism will be managed and supervise to clients fund, are fulfiled transaction funds and are drawn Turn, responsibilities, bank and the Wang Dai mechanism such as fund clearing and reconciliation carry out account verification daily, guarantee that accounts and properties are consistent, provide simultaneously Every fund circulation has detail record, keeps properly corresponding data information, it is ensured that have good grounds, fifth is that clients fund deposits pipe account It should receive Independent Audit and to client's public audit result.Meanwhile Banking Supervision Commission's specified in more detail business bank carries out as pipe people is deposited Row authorization, which takes care of and transfers the funds such as clients fund, deposits pipe responsibility, and content mainly includes operational audit, account is opened, clearance props up It pays, account check, deposit pipe report, achive keeping, fund supervision etc.；Wang Dai mechanism is mainly opened in system as trustee Hair, information announcing, data offer, customer service etc. are done one's duty.

Block chain is substantially the distributed account book database based on common recognition mechanism, is Distributed Storage, point To the new application mode that the computer technologies such as a transmission, common recognition mechanism, Encryption Algorithm organically combine, characteristic can be used for solving Certainly many problems in financial scenario, such as distributed trust characteristic can be applied to real-time clearance between banking institution, clearing, It improves efficiency, reduce cost；Information sharing, credible, traceable characteristic can solve the authenticity in Transaction Information source, confidence level Problem improves reference management and air control managerial ability；Privacy information protection characteristic may be implemented in application to government, enterprise Industry, personal sensitive information have ready conditions it is shared；Intelligent contract characteristic realizes the electronics contract that can be executed automatically, can be real by it Existing various online financial application scenes.Currently, State Council, people's row, silver guarantor prison, Fujian provincial government etc. launch respectively block chain phase Pass policy, planning, the Supreme Judicial Court disclose the legal effect for approving that block chain deposits card, are mainly used in digital ticket, accounts receivable pipe The business scopes such as reason, asset securitization, accurate poverty alleviation, the letter of credit, supply chain finance.In terms of the trustship of P2P fund bank, not yet There is application.

Currently, existing fund trustship method or being merely illustrative the process of realization fund escrow function and funds transfer；Or Bill token is formed only with block chain technology, guarantees the authenticity and integrity of transaction.Such as Publication No. 107133872A, the Chinese invention patent that publication date is 2017-9-5 disclose a kind of block chain information and bring platform together, support money Billing information is published to formation bill token on block chain by golden party in request, and fund supply side deposits pipe by fund and obtains platform phase The clearing token (digital cash or franc currency) answered, fund supply side select payment and settlement token after the bill token, are formed Contractual relation receives after the bill and confirmation that credit requirement side transfers the possession of, and credit requirement side can obtain clearing token, and can It withdraws deposit true fund.For another example Publication No. 101556718A, publication date are that the Chinese invention patent of 2009-10-14 discloses A kind of multistage account fund management system and device include organization management module, for each group company general headquarters and Its affiliated institutions distributes group's number and distribution one financing mark；Account management module, for being that each group is public It takes charge of general headquarters and the inter-account of one with financing mark binding is arranged in affiliated institutions, and store the inside account of each affiliated institutions Mapping relations between family and the inter-account of its parent body, to form tree-shaped multistage account relationship；Business processing mould Block, responds the service request from the group company, and the multistage account relationship stored according to the account management module is right The funds flow of general headquarters, group company and affiliated institutions with same group number under different clearing forms is managed.Again Such as Publication No. 107833165A, publication date is that the Chinese invention patent of 2018-03-23 discloses a kind of comprehensive clothes of patent transfer Business management system, including buyer's module, seller's module, console module, third party's fund trustship module and database module, it is described Database module is connected with buyer's module, seller's module and console module respectively, the console module and third party's fund support Tube module is connected.Wherein third party's fund trustship module, including buyer's payment module, validation of payment module, buyer's branch It pays module and is used to keep in the fund that buyer buys patent, the validation of payment module is for verifying the information that patent transfer comes into force.

Therefore, existing to be primarily present following deficiency to fund trustship management method: 1, existing management method focuses on fund Escrow function is realized, the operation flow of the circulation of trustship fund is focused on, and to the operation of trustship fund, is insured, credits, repaying, prize Encourage, compensate, the whole-process management of a series of examination & approval streams such as contract, service charge are collected, information flow, cash flow and depositing demonstrate,prove it is weaker；Its Be applicable in scene can not fundamentally solve to be difficult to verify and guarantee in traditional P2P fund trustship P2P target authenticity, transaction and The problems such as card is difficult, supervision audit is difficult, is deposited in operation.2, P2P platform is with user volume is big, target is small, transaction amount is small, transaction is frequent The problems such as.Therefore, the pipe establishment securities registration and settlement company is deposited to carry out transaction authenticity management with reference to security fund, cost is too Height, and workload too greatly can not, be difficult to realize effective verification and guarantee.3, it is preferably real to lack scheme for the system of centralization Believable data sharing and believable cross-domain logical execute (including multi-party between the cross-domain system that now each participant has been built Service logic, automatic execution of flow scheduling logic, electronics contract logic etc. between multisystem).

Summary of the invention

The technical problem to be solved in the present invention is to provide a kind of P2P financing platform fund bank based on block chain and deposits Pipe method realizes the legal management of whole process of P2P fund bank trustship, and the data for reducing P2P transaction deposit card difficulty, improves block Chain network deposits card performance, simplifies approval process complexity in fund trustship, improves transparency information convenient for supervision.

The present invention is implemented as follows: a kind of P2P financing platform fund bank based on block chain deposits pipe management method, need The P2P fund for providing the first participant deposits guard system, the P2P financing platform application of the second participant and third participant, institute Stating third participant includes government's platform and/or insurance platform, and the P2P financing platform is applied and third participant passes through respectively Block chain network is deposited guard system with P2P fund and is connect, and carries out data interaction and cross-domain logical execution；The block chain network packet It includes intelligent contract block chain network and deposits card block chain network, the intelligence contract block chain network includes a plurality of first blocks Chain node, the card block chain network of depositing includes a plurality of second block chain nodes, and each participant corresponds to a block chain Tissue, the block chain tissue includes at least one first block chain node and at least one second block chain node；

The described method includes:

Personal or enterprise manages money matters platform using the point-to-point network loan business of progress, P2P financing platform by the P2P Fund and clients fund deposit guard system by P2P fund and carry out management of differential account, full-range examination & approval stream, the information flow, money of business Gold stream carries out depositing card by depositing card block chain network, and the approval process for depositing guard system and third participant with P2P fund is dispatched And service logic is executed and is executed by intelligent contract block chain network；

The P2P fund deposits guard system and executes approval process control, the processing of P2P deposit and management service to the network loan business With the verification of fund clearing account, the P2P fund deposits guard system and also provides user right control and the data between block chain network The functions such as exchange, the calling of intelligent contract and data storage；

The business service that the insurance platform of the third participant provides passes through intelligent block chain network and executes corresponding conjunction About to realize, and carry out depositing card by depositing card block chain network；Government's platform of the third participant is by depositing card block chain Network inquiry and analyze deposit card data, to P2P financing platform service audited and supervised.

Further, first participant is bank end, and first participant is additionally provided with ca authentication module, for pair The admission control of all participants.

Further, the intelligent contract block chain network and separately positioned, the intelligence contract of depositing card block chain network Block chain network executes for realizing believable cross-domain logical, and data needed for intelligent contract executes are obtained from depositing in card block chain network It takes, and implementing result is deposited into card to depositing in card block chain network, the card block chain network of depositing is used to carry out data to deposit card, each Participant respectively with intelligent contract block chain network and deposit card block chain network and connect and carry out data interaction and cross-domain logical It executes；

The intelligence contract block chain network is made of several first block chain node networkings, the first block chain Node includes the first block chain module, the first intelligent contract module, the first common recognition module, first network module, the first encryption and decryption Module and first database module, the first block chain module are used to provide the first block chain node external interface, to diplomacy Mutually, block and block chain generate, data are deposited to card to depositing card block chain network and inquire data function to card block chain network is deposited, And it is responsible for the first block chain node other function module of scheduling, the described first intelligent contract module is for executing intelligent contract, institute The common recognition that the first common recognition module is stated for the first block chain node is reached, and the first network module is used for the first block chain node Network and P2P network communication, first encryption/decryption module is for symmetrical and asymmetric cryptography encryption and decryption, first data Library module is used to save the block that intelligent contract block chain network is formed, and only storage data relevant to intelligent contract execution；

The card block chain network of depositing is made of several second block chain node networkings, the second block chain node Including the second block chain module, the second common recognition module, the second network module, the second encryption/decryption module and the second database module, The second block chain module generates function for providing the second block chain node external interface, external interaction, block and block chain Can, and it is responsible for the other function module of the second block chain node of scheduling, the second common recognition module is used for the second block chain node Common recognition reach, second network module for the second block chain node network and P2P network communication, described second plus solution For symmetrical and asymmetric cryptography encryption and decryption, second database module is formed close module for depositing card block chain network Block, and store the data that all need deposit card.

Further, the method also includes: by setting Pyatyi system of account to each participant carry out cross-domain data Interactive controlling, the Pyatyi account include user account, cross-domain account, chain account, common recognition account and CA account executive；

The user account is that P2P fund deposits the account that guard system uses, and application user's phase of guard system is deposited with P2P fund It is corresponding, and the calling permission by controlling the data in block chain network, interface, intelligent contract with chain account one-to-one correspondence；

The cross-domain account include P2P financing platform using account or the account that uses of third participant platform, The cross-domain account and chain account correspond, and realize the calling permission to data, interface, intelligent contract in block chain network Control；

The chain account is the account that intelligent contract block chain network uses and deposits the account that card block chain network uses, and The intelligence contract block chain network and to deposit the account that uses of card block chain network be the same chain account, and with apply user couple It answers, and entire block chain network shares the same CA, is generated by ca authentication module and provided public private key pair and certificate, chain account root The calling permission of different data, interface, intelligent contract is configured according to demand；

The common recognition account is to reach common understanding used account in intelligent contract block chain network for all participants, The calling permission for possessing data whole in block chain network, interface, intelligent contract, for guaranteeing into chain data, operation and intelligence The implementing result of energy contract is authentic and valid；

The CA account executive, for the management of block chain network tissue CA, controllers access, chain account application, The generation and granting of certificate and public private key pair, the rule of personnel's access joint consultation system under legal framework by each participant It is fixed.

Further, the method also includes:

File-sharing library is set, and the file stored in the file-sharing library includes text file, form document, picture text Part and audio-video document, file in the file-sharing library is by calculating its HASH value, and by the HASH value and file phase Pass information, which uploads in block chain network, shares to corresponding participant, and the participant for being supplied to access authority is consulted under It carries.

Further, the method also includes settings to be embedded in module, provides query interface for each participant platform, and pass through The insertion module grabs the data from each participant.

Further, the method also includes:

The P2P fund deposits open an account information need and user in bank register four elements of the guard system when registering user It is consistent, the four elements include name, identification card number, telephone number and the bank's card number of user；By the P2P fund Deposit the user account of guard system and P2P financing platform using account manage independently, and carry out account, operation and signature On logic association.

Further, reach one across station communication protocol according to the communication and coordination between each participant, will operate and press each time Data structure format is carried out according to across station agreement, is put into block, each block is put into one or more operations；

The operation uses JSON data interchange format, specifically includes action type, operation object, operation data, file Shared library call number, ID, association HASH and HASH；

The action type includes opening an account, tying up card/unbundlings card, supplement with money, withdraw deposit, submitting a tender, making loans, refunding, loan agreement, debt Weigh transfer contract, risk fund compensation, insurance business, promise breaking refund, cancellation, data extraction, intelligent contract calling and password exchange；

The operation object is specified one or more objects；

Different-format is arranged according to different action types in the operation data；

File-sharing library call number is when this operation data is stored in file-sharing library, in file-sharing library The call number of file or data, user obtain file or data from file-sharing library according to call number, when operation is without using text When part shared library, file-sharing library call number value is set as 0；

The ID is the number value for this operation of unique identification；

The association HASH is last operation or this operates the HASH value of affiliated process；

The HASH value is the HASH value of this data.

Further, specific step is as follows for the contract execution:

Step 1, cross-domain application end judge whether there is execution from depositing card block chain query and obtaining cross-domain invocation protocol data Task, if so, entering step 2；Otherwise, return step 1 waits poll next time；

Step 2 executes inter-related task in corresponding cross-domain application end, and cross-domain implementing result is deposited card block link network Network carries out data and deposits card, and then return step 1 waits poll next time；

Step 3, the P2P fund deposit guard system and call data from depositing to obtain on card block chain and traverse intelligent contract, sentence It is disconnected whether the intelligent contract of execution in need, if then entering step 4；Otherwise, return step 3 waits poll next time；

Step 4, intelligent contract block chain network execute data from acquisition in card block chain network is deposited, and execute intelligent contract, Reached common understanding by each participant to ensure the authenticity of implementing result, and by the result reached common understanding storage to depositing card block Chain network carries out depositing card, while intelligent contract is executed intermediate result and executes request cochain, for cross-domain or asynchronous execution tune With entering step 5；

Step 5 judges whether to need cross-domain calling, if so, card block link network is deposited in the write-in of cross-domain invocation protocol data It in network, is called for being obtained in step 1 polling procedure, otherwise, intelligent contract execution terminates；

Wherein, step 1~2 and step 3~5 are cross-domain asynchronous execution process.

Further, contract handled by the intelligent contract net includes: P2P debt-credit management agreement, insurance management conjunction About with risk management contract；

P2P debt-credit management agreement be by the way that P2P loan agreement clause is abstracted as the first intelligent contract, and will debt-credit Contract major parameter abstracts the input parameter as loan administration contract, and the loan agreement major parameter includes that debt-credit is closed It same creditor, debtor, debt-credit volume, time, term length, interest rate, mode of settling interests and settles interests the period, the described first intelligent contract According to major parameter automatic running, the first intelligent main behavior of contract include contract generation, loan origination, discount of settling interests, Loan expires and break a contract disposition, is realized by cross-domain calling bank account, credit and/or P2P financing platform；

Insurance agreement clause is abstracted as according to the agreement of client, bank and insurance company by the insurance management contract Two intelligent contracts, and insurance agreement major parameter is abstracted into the input parameter as insurance management contract, the insurance association It discusses major parameter contractor, insurer, beneficiary, target, insurance premium, insurance premium rate and insurance period, second intelligence is closed About according to these parameter automatic runnings, the described second intelligent main behavior of contract includes that contract generates, insurance monitoring and insurance are paid for It pays, part question at issue is sent under insurance company's system middle line and handles, cochain after the completion of processing result, by the second intelligent contract It automatically processes；

The risk management contract, according to client, bank and insurance each side's agreement, provide whole process, quasi real time, line it is offline On combine credit risk monitoring, by credit, billing and accounting system, air control system and the cross-domain application of big data analysis, obtain standard Real-time risk alarm, air control analysis data and risk control suggestion, and to client, P2P financing platform and insure air control service Object collects routine expense.

The present invention has the advantage that

1, by block chain and intelligent contract technology, exploitation P2P financing platform fund bank deposits guard system, integrate bank, P2P manages money matters the cross-domain systems of platform, insurance, the participants such as government, is easy to implement to the opening an account of P2P business, personal information, target It initiates, submit a tender, fund operate, insured, credits, repaying, reward, compensation, contract, service charge are collected etc., and a series of examination & approval are flowed, believed Breath stream, cash flow cochain deposit card, and controlled shared between P2P platform, Cun Guan bank and other P2P business participants, realize Data can not distort, operate undeniably, provide financial risks supervision interface, realize clients fund account situation Independent Audit and Open, case, which quickly collect evidence, to be disposed etc.；Full-range automatic management is carried out to debt-credit, insurance；

2, design Pyatyi system of account be managed, adapt to complex environment, realize cross-domain multisystem, the data of multi-user, The permission control of interface, intelligent contract, and ensure that cross-domain logical executes credible；P2P fund deposits guard system and P2P financing is flat Platform uses two sets of user accounts, and corresponding different block chain network account, deposits guard system for these two types of accounts by P2P fund Family, operation and its signature carry out association in logic, the important informations quilt such as not only realize standardized management, but also prevent user password It defrauds of.

3, the double-stranded Design separated by depositing card with intelligent contract, can be effectively relieved block chain performance issue, can be applied to Not only high-performance is required, but also requires to deposit the business scenario of shared, the believable cross-domain logical execution of card, believable cross-domain data, Card block chain network is wherein deposited, be responsible for signing to transaction and data and deposits card；Intelligent contract block chain network, is responsible for more It is credible, intelligent between participant, automatically carry out agreement terms, realize that cross-domain logical executes, to reach performance and function It is unified.

Detailed description of the invention

The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.

Fig. 1 is each system overall logic frame diagram in the method for the present invention.

Fig. 2 is system of account schematic diagram of the invention.

Fig. 3 is intelligent contract block chain network framework map of the invention.

Fig. 4 is that block chain network framework map is demonstrate,proved in of the invention depositing.

Fig. 5 is intelligent contract operational process schematic diagram of the invention.

Fig. 6 is each participant data interaction schematic diagram of the present invention.

Specific embodiment

The present invention is directed to by block chain and intelligent contract technology, exploitation P2P financing platform fund bank deposit pipe (P2PBD: P2P Bank depository) method, integrate bank, P2P financing platform, insurance, the participants such as government cross-domain system (cross-domain system refers to that each participant is in the system of different local area networks, security domain) is realized to the opening an account of P2P business, a One systems such as people's information, target are initiated, submitted a tender, fund is operated, insured, credits, repaying, reward, compensation, contract, service charge are collected Column examination & approval stream, information flow, cash flow cochain deposit card, and in P2P industry such as P2P platform, Cun Guan bank, law court, regulatory agency, insurances It is controlled shared between business participant, it realizes that data can not be distorted, be operated undeniably, financial risks supervision interface is provided.

The method of the present invention is to realize that P2P net borrowed transaction and operation data deposits card, supervision, number by block chain technology Signature, realizes the automatic execution of agreement terms, deposits pipe related service to P2P fund and be managed, and realizes clients fund account feelings Condition Independent Audit and openly, case quickly collect evidence disposition etc., by block chain+intelligence contract to debt-credit, insurance progress whole process Automatic management, the double-stranded Design that can be separated by depositing card with intelligent contract reaches the unification of performance and function.

As shown in Figures 1 to 6, a kind of P2P financing platform fund bank based on block chain of the invention deposits pipe management method, The P2P fund that the first participant need to be provided deposits guard system, the P2P financing platform application of the second participant and third participant, The third participant includes government's platform and/or insurance platform, and the P2P financing platform is applied and third participant leads to respectively It crosses block chain network and deposits guard system with P2P fund and connect, and carry out data interaction and cross-domain logical executes；The block chain network Including intelligent contract block chain network and card block chain network is deposited, the intelligence contract block chain network includes a plurality of firstth areas Block chain node, the card block chain network of depositing includes a plurality of second block chain nodes, and each participant corresponds to a block Chain tissue, the block chain tissue include at least one first block chain node and at least one second block chain node；

The described method includes:

Personal or enterprise manages money matters platform using the point-to-point network loan business of progress, P2P financing platform by the P2P Fund and clients fund deposit guard system by P2P fund and carry out management of differential account, full-range examination & approval stream, the information flow, money of business Gold stream carries out depositing card by depositing card block chain network, and the approval process for depositing guard system and third participant with P2P fund is dispatched And service logic is executed and is executed by intelligent contract block chain network；

The P2P fund deposits guard system and executes approval process control, the processing of P2P deposit and management service to the network loan business With the verification of fund clearing account, the P2P fund deposits guard system and also provides user right control and the data between block chain network The functions such as exchange, the calling of intelligent contract and data storage；

The business service that the insurance platform of the third participant provides passes through intelligent block chain network and executes corresponding conjunction About to realize, and carry out depositing card by depositing card block chain network；Government's platform of the third participant is by depositing card block chain Network inquiry and analyze deposit card data, to P2P financing platform service audited and supervised.

In one embodiment, it includes that P2P fund deposits guard system server-side and client, institute that the P2P fund, which deposits guard system, It states client to be responsible for providing user interface, client is the system that system manager, P2P platform and other participants are assigned Administrator, be ready that providing showing interface and operating side, the P2P fund using P2P platform user of system client etc. deposits Guard system server-side be responsible for user right control, approval process control, P2P deposit and management service processing, fund clearing account verification, with The calling of data exchange, intelligent contract between block chain network and data storage etc., provide user right control, interface control System, Row control, P2P business processing, data exchange, database etc..

In a preferred embodiment, first participant is bank end, and first participant is additionally provided with ca authentication mould Block, for the admission control to all participants.

In a preferred embodiment, the intelligent contract block chain network and to deposit card block chain network separately positioned, it is described Intelligent contract block chain network executes for realizing believable cross-domain logical, and data needed for intelligent contract executes are from depositing card block chain It is obtained in network, and implementing result is deposited into card to depositing in card block chain network, the card block chain network of depositing is for carrying out data Deposit card, each participant respectively with intelligent contract block chain network and deposit card block chain network connect and carry out data interaction and Cross-domain logical executes；

As shown in figure 3, the intelligence contract block chain network is made of several first block chain node networkings, it is described First block chain node include the first block chain module, the first intelligent contract module, the first common recognition module, first network module, First encryption/decryption module and first database module, the first block chain module externally connect for providing the first block chain node Mouth, external interaction, block and block chain generate, data are deposited to card to depositing card block chain network and inquire to card block chain network is deposited Data function, and it is responsible for the first block chain node other function module of scheduling, the described first intelligent contract module is for executing intelligence Energy contract, common recognition of the first common recognition module for the first block chain node are reached, and the first network module is used for first The network of block chain node and P2P network communication, first encryption/decryption module is for symmetrical and asymmetric cryptography encryption and decryption, institute The block that first database module is formed for saving intelligent contract block chain network is stated, and only storage and intelligent contract execution phase The data of pass；

As shown in figure 4, the card block chain network of depositing is made of several second block chain node networkings, described second Block chain node includes the second block chain module, the second common recognition module, the second network module, the second encryption/decryption module and the second number According to library module, the second block chain module is for providing the second block chain node external interface, external interaction, block and block Chain systematic function, and it is responsible for the other function module of the second block chain node of scheduling, the second common recognition module is used for the secondth area The common recognition of block chain node is reached, network and P2P network communication of second network module for the second block chain node, described Second encryption/decryption module is for symmetrical and asymmetric cryptography encryption and decryption, and second database module is for depositing card block chain The block that network is formed, and store the data that all need deposit card.

It is executed since the first block chain node is mainly used for the believable domain logic that collapses, the common recognition of the first common recognition module is calculated Method mainly considers the credible, consistent of logic operation result, such as selection PBFT algorithm (Practical Byzantine Fault Tolerance, practical Byzantine failure tolerance algorithm), all common recognition nodes are carried out request, only implementing result and host node result Unanimously just it can confirm that, to guarantee that believable logic executes between cross-domain system, and the second block chain node is mainly used for data and deposits card, Therefore the common recognition algorithm of the second common recognition module selection mainly considers reliability and performance, for example uses BFT+DPOS algorithm, still Eye-witness is not used to elect, but government organs, bank, P2P platform, insurance in participant etc. generate block as eye-witness Chain, and finally supervised, supervise and audited by government organs.

General networking mode can be used in card block chain network of depositing of the invention, to solve each participant local net network not The problem of intercommunication, using NAT (Network Address Translation, network address translation) and VPN (Virtual Private Network, Virtual Private Network) two kinds of networking plans, which kind of specifically used networking plan view detailed programs demand, Participant Safe Architecture For eNet and each participant are coordinated depending on situation.And it does not support intelligent contract to run, without intelligent contract and Relevant support module greatlies simplify block chain framework and operation logic, improves the performance and reliability of block chain.In addition also CA module is managed, the account permission of CA discloses the whole network, and in the case where CA is by bank management, CA module has generation to provide and holds in the palm The function of pipe public private key pair and digital certificate, when providing certificate by the center third party CA, system CA module offer trustship certificate, And function associated with chain account.

Block chain network of the invention uses double-strand mode, wherein depositing card block chain network, is only responsible for transaction and data It is signed and deposits card；Intelligent contract block chain network is then responsible between the participants such as bank, P2P platform, government, insurance It is credible, intelligent, automatically carry out agreement terms.That serves same participant deposits card block chain network and intelligent contract block chain Network node belongs to a block chain tissue, and two block chain network nodes of the same block chain tissue use same group of account Family, to realize being uniformly controlled for user and user right.Block chain network demonstrate,proves block chain network and intelligent contract block chain containing depositing Network is that user issues number by the same CA using the same CA (certificate verification center, Certificate Authority) Word certificate, in the present invention by bank management, the agreement that can also be reached according to each side is provided the CA by third party's trust authority The service of CA, RA (authentication registration center, Registration Authority) and TSA (time-stamping service center).Using this Kind of double-stranded Design, on the one hand can solve that P2P lending and borrowing business user is more, portfolio is big, and the block of currently processed complex logic The problem of catenary system performance is lower, is unable to satisfy multi-user, high traffic bring high concurrent demand；On the other hand, it is not All P2P business require to be run with intelligent contract, and intelligent contract can guarantee that cross-domain trusted logic executes, but a large amount of small tenon Business be not on the one hand related to cross-domain logical execution, there is no need to undertake the cost across framework common service, separate design can be with Reduce cost.

In a preferred embodiment, as shown in Fig. 2, the method also includes by setting Pyatyi system of account to each Participant carries out cross-domain data interactive controlling, is related to the body of multiple cross-domain applications, 2 block chain networks since system is one System devises adapt to cross-domain multi-user management thus, the complicated ring that cross-domain data interaction, cross-domain agreement terms intelligently execute The multiple system of account in border specifically includes user account (application layer), cross-domain account, chain account (block chain account), common recognition account Family and CA account executive；

The user account is application layer account, and specially P2P fund is deposited the account that guard system uses, deposited with P2P fund Guard system application user it is corresponding, server-side controls its permission, including visible interface and the operation that can be carried out, and by with Chain account corresponds to control the calling permission to data, interface, intelligent contract in block chain network；

The cross-domain account is that the user in cross-domain application applies account, including the P2P account that uses of financing platform or the The account that three participant platforms use, block chain network will be according to the demand create chain account of cross-domain participant, the cross-domain accounts Family and chain account correspond, and realize the control of the calling permission to data, interface, intelligent contract in block chain network；Its In, the billing and accounting system of bank's inter-process billing information and other banking systems relevant to P2P fund deposit and management service also should be by See cross-domain system as, account should equally be considered as cross-domain account, by the one-to-one correspondence with chain account, realize in data Chain, interface and intelligent contract call.Particularly, same user system and P2P financing platform use different accounts, and with not With chain account it is corresponding, two class account operations be it is independent signed using corresponding chain account, by system by this two Class account, its operation and its signature carry out association in logic.

The chain account is the account in block chain network, specifically, the account used for intelligent contract block chain network With deposit the account that uses of card block chain network, and the intelligent contract block chain network and deposit the account that card block chain network uses For the same chain account, and it is corresponding with application user, and in the methods of the invention, each participant can be invented in logic One tissue, the card block chain network of depositing for serving same participant belong to a block with intelligent contract block chain network node Chain tissue, block chain tissue 0 as shown in Figure 1 are that depositing for bank demonstrate,proves block chain network and intelligent contract block chain network jointly Block chain tissue, each tissue have 1 to n block chain node not waited as desired, and entire block chain network shares same A CA, is generated by ca authentication module and is provided public private key pair and certificate, chain account configure according to demand different data, interface, The calling permission of intelligent contract, and it is corresponding with an application user, and the same block chain tissue of the present invention deposits card block chain network It is corresponding with the same application user that the same chain account is used in conjunction with intelligent contract block chain network node, it in this way could be right The behavior of user, data carry out effectively uniquely depositing card, and the permission of chain account will carry out the whole network broadcast and each node is written Database in；

The common recognition account is used account when reaching common understanding in intelligent contract block chain network for all participants Family belongs to one kind of chain account, it cannot be called by any application user, can only be called by block chain node in common recognition, main It is used to block chain node reach common understanding, possesses the calling permission of data whole in block chain network, interface, intelligent contract, For guaranteeing that the implementing result into chain data, operation and intelligent contract is authentic and valid；Due to depositing card block chain network without intelligent conjunction About function does not need to run intelligent contract calling permission, so common recognition accountee will use in intelligent contract block chain network.

The CA account executive, for the management of block chain network tissue CA, controllers access, chain account application, The generation and granting of certificate and public private key pair, in the present invention by bank end on behalf of management CA, by each participant in legal framework Lower joint consultation formulates personnel's admittable regulation, and commission carries out authentication, controllers access, life by bank management CA account Chaining account generates and provides simultaneously trustship public private key pair and digital certificate.CA, RA and TSA function are arranged according to each side, or by credible Third party provides, but still by bank management CA account, generation chain account is simultaneously corresponding with the digital certificate of the third-party institution, described It is corresponded using account and chain account, the cross-domain account and chain account correspond, the intelligence contract block chain network Chain account and to deposit the chain account of card block chain network be the same account, the common recognition account is for intelligent contract block chain The service logic executed in network confirmed, i.e., the described CA account executive for the access, chain account of controllers application, The generation and granting of certificate and public private key pair.

Therefore, by 5 grades of system of account, the accuracy and legitimacy of cross-domain data interaction are realized, first is that by user account, Cross-domain account realizes the interface that can be checked using end subscriber and the control of executable operating right；Second is that by user account, The one-to-one correspondence of cross-domain account and chain account controls user to the calling permission of block chain network, and carry out only to user behavior One property deposits card；Third is that reaching common understanding by the common recognition account for possessing complete permission on chain, guarantee that intelligent contract implementing result is true It is real, it is used in intelligent contract block chain network；Fourth is that having bank on behalf of management by CA account executive controllers access.

In a preferred embodiment, the method also includes being arranged file-sharing library (can be arranged at bank end), the text The file stored in part shared library includes text file, form document, picture file and audio-video document, the file-sharing library The HASH value and file-related information are uploaded in block chain network and are shared to by calculating its HASH value by interior file Corresponding participant, the participant for being supplied to access authority is consulted and downloading.File-sharing library of the invention is in each participant Between carry out controlled file-sharing, these files belong to semi-structured or unstructured data, have occupy memory space it is big, Content needs the features such as a certain range of secrecy, therefore by the HASH value cochain of this document, file is stored in file-sharing library, presses Controlled mode is needed to share to related participant, so that have the participant of access authority that can arrive file-sharing library downloading file, and It can ensure that safety by the way that whether HASH value verifying file is tampered.

In a preferred embodiment, the method also includes insertion module, query interface is provided for each participant platform, and The data from each participant are grabbed by the insertion module.Design insertion module, be embedded into for P2P manage money matters platform application, Or other participants application in, provide be embedded in the application in part system information searching function interface, block chain deposit card and System information query interface etc., jumps directly to user in banking system without departing from third-party application, carries out letter The relevant operation of inquiry is ceased, to improve user experience when not reducing security level.

In a preferred embodiment, the method also includes:

The P2P fund deposits open an account information need and user in bank register four elements of the guard system when registering user It is consistent, the four elements include name, identification card number, telephone number and the bank's card number of user；By the P2P fund Deposit the user account of guard system and P2P financing platform using account manage independently, and carry out account, operation and signature On logic association.

In a preferred embodiment, according to the communication and coordination between each participant reach across station communication protocol, will be each Secondary operation (containing target, bid, the authorization of bid fund, make loans, refund) is put according to across station agreement progress data structure format Enter block, each block can be put into one or more operations；The operation uses JSON data interchange format, specifically includes Action type (OperationType), operation object (OperationUser), operation data (OperationData), file Shared library call number (DataIndex), ID (preHASH), association HASH and HASH etc.；

The action type includes opening an account, tying up card/unbundlings card, supplement with money, withdraw deposit, submitting a tender, making loans, refunding, loan agreement, debt Weigh transfer contract, risk fund compensation, insurance business, promise breaking refund, cancellation, data extraction, intelligent contract calling and password exchange Deng；These action types have been given a definition respective detailed data format, and user places data into operation data according to communication protocol In；

The operation object is specified one or more objects；

Different-format is arranged according to different action types in the operation data；

File-sharing library call number is when this operation data is stored in file-sharing library, in file-sharing library The call number of file (or data), user obtain file or data from file-sharing library according to call number, when operation does not use When file-sharing library, file-sharing library call number value is set as 0；

The ID is the number value for this operation of unique identification；

The association HASH is last operation or this operates the HASH value of affiliated process etc.；

The HASH value is the HASH value of this data.

For example data structure is as follows:

{

“OperationType”:”XXX”,

“OperationUser”:”XXX”,

“OperationData”:[

{"DataName1":"XXX","content":"XXX"},

...,

{"DataNameN":"XXX","content":"XXX"}

],

“DataIndex”:”XXX”,

“ID”:”XXX”,

“preHASH”:”XXX”,

“HASH”:”XXX”

}

Each user operates every time to sign to above data structure, and signature uses the close SM2+SM3 algorithm of state；For The uniqueness for guaranteeing credits, using the tracing to the source of block chain token, anti-honeysuckle, anti-tamper characteristic, generate in credits, point During cutting, shift, disposing, paying off, it can only actively be initiated by debtor, generate after the approval, pass through token form stream Turn, guarantee during do not increase, do not reduce, not losing, and can not distort, can not honeysuckle, can trace to the source.

In a preferred embodiment, as shown in figure 5, the contract executes, specific step is as follows:

Step 1, cross-domain application end (including the second participant and third participant) from deposit card block chain query and obtain across Domain invocation protocol data, judge whether there is execution task, if so, entering step 2；Otherwise, return step 1 waits next next round It askes；

Step 2 executes inter-related task in corresponding cross-domain application end, and cross-domain implementing result is deposited card block link network Network carries out data and deposits card, and then return step 1 waits poll next time；

Step 3, the P2P fund deposit guard system and call data from depositing to obtain on card block chain and traverse intelligent contract, sentence It is disconnected whether the intelligent contract of execution in need, if then entering step 4；Otherwise, return step 3 waits poll next time；

Step 4, intelligent contract block chain network execute data from acquisition in card block chain network is deposited, and execute intelligent contract, Reached common understanding by each participant to ensure the authenticity of implementing result, and by the result reached common understanding storage to depositing card block Chain network carries out depositing card, while executing intermediate result and executing request cochain intelligent contract and (depositing card block chain network In), so that cross-domain or asynchronous execution calls, enter step 5；

Step 5 judges whether to need cross-domain calling, if so, card block link network is deposited in the write-in of cross-domain invocation protocol data It in network, is called for being obtained in step 1 polling procedure, otherwise, intelligent contract execution terminates；

Wherein, step 1~2 and step 3~5 are cross-domain asynchronous execution process.

Above-mentioned cross-domain calling refers to the service logic or approval process for calling cross-domain application, for example, an insurance is initiated, Bank, P2P financing platform (being actually the user of P2P), insurance company is needed to examine jointly, then the work of intelligent contract is just It is the approval process according to setting, successively transmitting bank, P2P financing platform, insurance company are examined.But each participant Approval process is carried out in each participation method, system in fact, and then intelligent contract will be according to the agreement appointed, tune Data are put into block chain, and (step 1) as above is just gone after cross-domain application (each participation method, system) acquisition calling data Corresponding process is called, approval results are put into block chain again after having examined and are gone, so that intelligent contract block chain network is held The intelligent contract of row next step, calls next approval process.

Intelligent contract of the invention is the execution of believable logic, selects PBFT algorithm (Practical Byzantine Fault Tolerance, practical Byzantine failure tolerance algorithm), all common recognition nodes are carried out request, only implementing result and main section Point result unanimously just can confirm that, to guarantee that believable logic executes between cross-domain system.In system, common recognition node passes through common recognition account Block information is checked, intelligent contract is executed and comparison result, confirmation transaction are newest, confirmation signing messages etc., and if only if this A little conditions all pass through, and can just send prepare message, and common recognition node is required to receive 2f+1 prepare and commit, just really It is legal that this fixed request executes.In addition, the strategy of all participant node joint endorsements of Systematic selection, to be further ensured that logic What is executed is credible.Intelligence contract operation includes mainly two classes, one is the intelligent contract initiated by user's operation calling, according to User's operation is initiated, and another kind should be executed automatically when intelligent contract reaches certain agreed terms, such as expiry date for interest of loan, automatically The intelligent contract of calling is settled interests or cross-domain examination & approval, after cross-domain user is completed to examine, runs intelligent close according to approval results About, it calls next examination & approval link or terminates examination & approval, whole process executes intelligent contract by intelligent contract block chain, and data are all It is obtained by depositing card block chain, and deposits card block chain and carry out depositing card.Due to the intelligent contract being related to all be the cycle of operation it is long, Be related to that user is more, cross-domain application is more, long flow path, link are more, so using executing intermediate result, executing request cochain, for across Domain, asynchronous execution call.Cross-domain execution, by the cross-domain invocation protocol of each participant agreement, in intelligent contract implementation procedure, one Denier discovery needs cross-domain execution, cross-domain invocation protocol data will be written in block chain, cross-domain application is obtained from block chain To after cross-domain invocation protocol data, program will be initiated according to agreement, after the completion of entire cross-domain execution, cross-domain application is according to cross-domain tune Block chain is written into executive condition with agreement, P2P fund deposits guard system server-side will be according to the execution knot obtained from block chain Fruit further calls intelligent contract, until this intelligent contract executes completion.

Intelligent contract block chain of the invention and depositing is distinguished as between card block chain, and intelligent contract block chain supports intelligence Contract operation only saves and executes related data with intelligent contract, and implementing result is equally deposited in card block chain, passes through intelligent conjunction About block chain network, bank can provide automatic, unified and believable P2P debt-credit whole-process management, including funds release, refund, Interest and intermediate expenditure collect, risk assessment, promise breaking disposition, risk fund reimbursemen, insurance reimbursemen etc., can separately provide according to bank Post-loan management, offer risk management service, offer insurance service in being borrowed before the loan that process of providing a loan carries out, convenient for bank and insurance public affairs Department is according to service kinds and target is collected the charges.

In a preferred embodiment, the intelligent contract of the intelligent contract net processing include: P2P debt-credit management agreement, Insurance management contract and risk management contract；In order to ensure that intelligent contract creation, modification, going into operation meets each side's protocol results, builds If intelligent contract trial operation mechanism, each side build intelligence contract trial run environment jointly, by by the clause drawn up and service request Be converted to code, common trial operation confirmation result meet it is expected after, on-line running, three intelligent contracts can stand-alone service, solely Vertical work is simultaneously independently charged.

P2P debt-credit management agreement (P2PBD_SC_Loans) is by the way that P2P loan agreement clause is abstracted as first Intelligent contract, and loan agreement major parameter is abstracted into the input ginseng as loan administration contract (P2PBD_SC_Loans) Number, the loan agreement major parameter includes loan agreement creditor, debtor, debt-credit volume, time, term length, interest rate, knot It breath mode and settles interests the period, the described first intelligent contract is mainly gone according to major parameter automatic running, the described first intelligent contract Be include contract generation, loan origination, discount of settling interests, loan expire and break a contract disposition etc., pass through cross-domain calling bank account, believe It borrows and/or P2P manages money matters platform etc. to realize；

The insurance management contract (P2PBD_SC_Insurance), will according to the agreement of client, bank and insurance company Insurance agreement clause is abstracted as the second intelligent contract, and insurance agreement major parameter is abstracted as insurance management contract (P2PBD_SC_Insurance) input parameter, the insurance agreement major parameter contractor, insurer, beneficiary, target, Insurance premium, insurance premium rate and insurance period etc., the described second intelligent contract is according to these parameter automatic runnings, second intelligence The main behavior of contract includes contract generation, insurance monitoring and insurance benefits etc., and part question at issue is sent to insurance company's system It handles under middle line, cochain after the completion of processing result, is automatically processed by the second intelligent contract；

The risk management contract (P2PBD_SC_Risk) provides full stream according to client, bank and insurance each side's agreement Journey, quasi real time, line it is offline on combine credit risk monitoring, such as pass through credit, billing and accounting system, air control system and big data Cross-domain application is analyzed, obtains risk alarm, air control analysis data and risk control suggestion quasi real time, and manage money matters to client, P2P Platform and insurance air control service object collect routine expense.

In addition, of the invention deposits card block chain network using the following proprietary and special control designed to guarantee electronic signature: one It is that user must deposit in guard system registration in P2P fund and open an account, opening an account needs the name of user, identification card number, telephone number and bank Card number carry out four element verifyings, and this four elements must with bank register it is consistent, be verified, success of opening an account, according to Supervision regulation, bank card has to pass through face label, so substantially bank card and individual is true correlation.Only allow to provide in P2P Gold deposits guard system webpage or client carries out registration and opens an account, and avoids being gained important user information by cheating, while also meeting supervision It is required that.Second is that user's important operation and information all can cochain deposit card, wherein only deposit card block chain deposit card target, throw Mark, the authorization of bid fund, that the operations such as make loans, refund are only is legal, and the funds correlation such as tender bond, allocation of the funds is grasped Make, user must come out the client or webpage login progress electronics label that P2P financing platform directly deposits guard system using P2P fund Name, is just considered valid operation, subsequent P2P fund is deposited guard system and can just be transferred according to order.Third is that P2P fund deposits guard system and P2P Platform of managing money matters uses two sets of incoherent user accounts, and corresponding different block chain network account, and system CA is to these two types Account all generates public private key pair, provides certificate, P2P fund deposit guard system account and P2P financing platform account it is independent to operate into Row signature, but guard system can be deposited by P2P fund by these two types of accounts, the association of operation and its signature progress in logic.Fourth is that being Prevent the important informations such as user password from being defrauded of, go to insertion module and P2P fund deposit guard system client log in when, it is necessary to it is defeated Enter the identifying code issued by bank's cornet, and requires P2P platform significant position reminding does not receive what specified cornet issued again Identifying code is all illegal operation.

In a concrete case, multiple cross-domain applications are had inside the system of P2P debt-credit, are counted by block chain network It executes according to shared, cross-domain logical (including service logic execution, automatic execution of cross-domain flow scheduling, electronics contract etc.), below It is briefly described for opening an account and submitting a tender:

One, it opens an account:

Open an account include at least user P2P financing platform application open an account, user P2P fund deposit guard system open an account and The account of the two systems is associated by user's active.

P2P financing platform application open an account: user to P2P manage money matters platform application open an account, after opening successfully, system it is embedding Enter module and the information for acquiring the user is deposited into card to block chain network, and block chain network will be raw for the account by CA module Chaining account is assigned to user according to agreement and determines permission, and two accounts are bound together.

P2P fund deposits guard system and opens an account: user deposits guard system to P2P fund and opens an account, during opening, block link network Network will deposit card user account information, and generate chain account and bind therewith, if user is by verifying, assign for the account and determine permission.

Account association: user logs on to P2P fund and deposits guard system, and the P2P fund of the user is actively deposited guard system account It is associated with P2P financing platform application account, associated information will deposit card into block chain network.

Two, target is initiated, is submitted a tender, fund operates:

Bid includes at least: loaning bill user, and provide a loan user

Loaning bill user deposits card to block chain network -> loaning bill in P2P financing platform application publication loaning bill information -> loaning bill information User, which logs on to P2P fund and deposits guard system, confirms the loaning bill information；

Loan user sees loaning bill information, logs in P2P financing platform application and is submitted a tender (if loan user has purchased silver Capable risk management product, bank will fully assess, and pass through the target operation risk management agreement to target risk Platform feeds back to bid user, and crisis management information meeting cochain deposits card), bid can be throwing in full, be also possible to part amount Throwing -> bid information deposits card and applies to block chain -> P2P financing platform and determine bid final result (i.e. P2P according to its service logic Financing platform applies the final bid determined according to its service logic as a result, by P2P financing platform application execution, fund deposits piping Only responsible related service and operation data deposit card to system) -> bid result deposits card to the completion of block chain network -> bid.

After the user that provides a loan confirms acceptance of the bid, logging on to P2P fund and deposit guard system, confirmation offers loans -> and confirmation message deposits card and arrives Block chain -> bank generates a block chain information offered loans according to the confirmation message of user, by block chain network to Bank's billing and accounting system lifts application of offering loans, and billing and accounting system offers loans to loaning bill user -> and release information cochain deposits card.

Although specific embodiments of the present invention have been described above, those familiar with the art should be managed Solution, we are merely exemplary described specific embodiment, rather than for the restriction to the scope of the present invention, it is familiar with this The technical staff in field should be covered of the invention according to modification and variation equivalent made by spirit of the invention In scope of the claimed protection.

Claims (10)

1. a kind of P2P financing platform fund bank based on block chain deposits pipe management method, it is characterised in that: the first ginseng need to be provided Guard system, the P2P financing platform application of the second participant and third participant, the third is deposited with the P2P fund of side to participate in Side includes government's platform and/or insurance platform, and the P2P financing platform is applied and third participant passes through block chain network respectively Guard system is deposited with P2P fund to connect, and carries out data interaction and cross-domain logical execution；The block chain network includes intelligent contract Block chain network and deposit card block chain network, it is described intelligence contract block chain network include a plurality of first block chain nodes, institute Stating and depositing card block chain network includes a plurality of second block chain nodes, and each participant corresponds to a block chain tissue, described Block chain tissue includes at least one first block chain node and at least one second block chain node；

The described method includes:

Personal or enterprise manages money matters platform using the point-to-point network loan business of progress, P2P financing platform fund by the P2P And clients fund deposits guard system by P2P fund and carries out management of differential account, full-range examination & approval stream, the information flow, cash flow of business It carries out depositing card by depositing card block chain network, the approval process scheduling and industry of guard system and third participant is deposited with P2P fund Logic of being engaged in is executed to be executed by intelligent contract block chain network；

The P2P fund deposits guard system and executes approval process control, the processing of P2P deposit and management service and money to the network loan business Gold clearance account verification, the P2P fund are deposited the data that guard system is also provided between user right control and block chain network and are handed over It changes, the calling and data storage function of intelligent contract；

The business service that the insurance platform of the third participant provides by intelligent block chain network execute corresponding contract come It realizes, and carry out depositing card by depositing card block chain network；Government's platform of the third participant is by depositing card block chain network It inquires and analyzes and deposit card data, P2P financing platform service is audited and supervised.

2. a kind of P2P financing platform fund bank based on block chain according to claim 1 deposits pipe management method, special Sign is: first participant is bank end, and first participant is additionally provided with ca authentication module, for all participants Admission control.

3. a kind of P2P financing platform fund bank based on block chain according to claim 2 deposits Guan Fangfa, feature exists In: it is described intelligence contract block chain network and deposit card block chain network it is separately positioned, it is described intelligence contract block chain network be used for Realize that believable cross-domain logical executes, data needed for intelligent contract executes are obtained from depositing in card block chain network, and will execute knot Fruit deposits card to depositing in card block chain network, and the card block chain network of depositing is used to carry out data to deposit card, and each participant is distinguished With intelligent contract block chain network and deposit card block chain network connect and carries out data interaction and cross-domain logical execution；

The intelligence contract block chain network is made of several first block chain node networkings, the first block chain node Including the first block chain module, the first intelligent contract module, the first common recognition module, first network module, the first encryption/decryption module With first database module, the first block chain module is for providing the first block chain node external interface, external interaction, area Block and block chain generate, data are deposited to card to depositing card block chain network and inquire data function to card block chain network is deposited, and bears Duty the first block chain node other function module of scheduling, the first intelligent contract module is for executing intelligent contract, and described the Common recognition of the one common recognition module for the first block chain node is reached, and the first network module is used for the net of the first block chain node Network and P2P network communication, first encryption/decryption module is for symmetrical and asymmetric cryptography encryption and decryption, the first database mould Block is used to save the block that intelligent contract block chain network is formed, and only storage data relevant to intelligent contract execution；

The card block chain network of depositing is made of several second block chain node networkings, and the second block chain node includes Second block chain module, the second common recognition module, the second network module, the second encryption/decryption module and the second database module, it is described Second block chain module is used to provide the second block chain node external interface, external interaction, block and block chain systematic function, and It is responsible for the other function module of the second block chain node of scheduling, the second common recognition module is used for the common recognition of the second block chain node Reach, network and P2P network communication of second network module for the second block chain node, second encryption/decryption module For symmetrical and asymmetric cryptography encryption and decryption, second database module is used to deposit the area that card block chain network is formed Block, and store the data that all need deposit card.

4. a kind of P2P financing platform fund bank based on block chain according to claim 3 deposits pipe management method, special Sign is: the method also includes: cross-domain data interactive controlling, institute are carried out to each participant by setting Pyatyi system of account Stating Pyatyi account includes user account, cross-domain account, chain account, common recognition account and CA account executive；

The user account is that P2P fund deposits the account that guard system uses, and it is opposite to deposit the application user of guard system with P2P fund It answers, and controls the calling permission of the data in block chain network, interface, intelligent contract by corresponding with chain account；

The cross-domain account include P2P financing platform using account or the account that uses of third participant platform, it is described Cross-domain account and chain account correspond, and realize the control of the calling permission to data, interface, intelligent contract in block chain network System；

The chain account is the account that intelligent contract block chain network uses and deposits the account that card block chain network uses, and described Intelligent contract block chain network is the same chain account with the account that card block chain network uses is deposited, and corresponding with application user, And entire block chain network shares the same CA, is generated by ca authentication module and provided public private key pair and certificate, chain account according to Demand configures the calling permission of different data, interface, intelligent contract；

The common recognition account is to reach common understanding used account in intelligent contract block chain network for all participants, is possessed Whole data, the calling permission of interface, intelligent contract, are closed for guaranteeing into chain data, operation and intelligence in block chain network Implementing result about is authentic and valid；

The CA account executive, for the management of block chain network tissue CA, controllers access, the application of chain account, certificate And the generation and granting of public private key pair, the rule of personnel's access by each participant, formulate by the joint consultation under legal framework.

5. a kind of P2P financing platform fund bank based on block chain according to claim 1 deposits pipe management method, special Sign is: the method also includes:

File-sharing library is set, in the file-sharing library file of storage include text file, form document, picture file and Audio-video document, the file in the file-sharing library are believed by calculating its HASH value, and by the HASH value and file correlation Breath, which uploads in block chain network, shares to corresponding participant, and the participant for being supplied to access authority is consulted and downloading.

6. a kind of P2P financing platform fund bank based on block chain according to claim 1 deposits pipe management method, special Sign is: the method also includes settings to be embedded in module, provides query interface for each participant platform, and pass through the insertion mould Block grabs the data from each participant.

7. a kind of P2P financing platform fund bank based on block chain according to claim 1 deposits pipe management method, special Sign is: the method also includes:

The P2P fund deposits the four elements holding that open an account information of the guard system when registering user needs and user registers in bank Unanimously, the four elements include name, identification card number, telephone number and the bank's card number of user；The P2P fund is deposited into pipe The user account of system and P2P financing platform using account manage independently, and carry out on account, operation and signature Logic association.

8. a kind of P2P financing platform fund bank based on block chain according to claim 1 deposits pipe management method, special Sign is: reaching one across station communication protocol according to the communication and coordination between each participant, will operate each time according to across station agreement Data structure format is carried out, is put into block, each block is put into one or more operations；

The operation uses JSON data interchange format, specifically includes action type, operation object, operation data, file-sharing Library call number, ID, association HASH and HASH；

The action type is including opening an account, tying up card/unbundlings card, supplement with money, withdraw deposit, submitting a tender, making loans, refunding, loan agreement, credits turn Contract, risk fund compensation, insurance business, promise breaking refunds, cancellation, data is allowed to extract, intelligent contract calling and password exchange；

The operation object is specified one or more objects；

Different-format is arranged according to different action types in the operation data；

File-sharing library call number is the file when this operation data is stored in file-sharing library, in file-sharing library Or the call number of data, user obtain file or data from file-sharing library according to call number, when operation is total not using file When enjoying library, file-sharing library call number value is set as 0；

The ID is the number value for this operation of unique identification；

The association HASH is last operation or this operates the HASH value of affiliated process；

The HASH value is the HASH value of this data.

9. a kind of P2P financing platform fund bank based on block chain according to claim 1 deposits pipe management method, special Sign is: specific step is as follows for the contract execution:

Step 1, cross-domain application end judge whether there is execution and appoint from depositing card block chain query and obtaining cross-domain invocation protocol data Business, if so, entering step 2；Otherwise, return step 1 waits poll next time；

Step 2 executes inter-related task in corresponding cross-domain application end, and cross-domain implementing result is deposited card block chain network, It carries out data and deposits card, then return step 1 waits poll next time；

Step 3, the P2P fund deposit guard system and call data from depositing to obtain on card block chain and traverse intelligent contract, and judgement is The intelligent contract of no execution in need, if then entering step 4；Otherwise, it returns

Step 3 waits poll next time；

Step 4, intelligent contract block chain network execute data from acquisition in card block chain network is deposited, and execute intelligent contract, pass through Each participant reaches common understanding to ensure the authenticity of implementing result, and the result reached common understanding storage is demonstrate,proved block link network to depositing Network carries out depositing card, while intelligent contract is executed intermediate result and executes request cochain, so that cross-domain or asynchronous execution calls, into Enter step 5；

Step 5 judges whether to need cross-domain calling, if so, the write-in of cross-domain invocation protocol data is deposited in card block chain network, It is called for being obtained in step 1 polling procedure, otherwise, intelligent contract execution terminates；

Wherein, step 1~2 and step 3~5 are cross-domain asynchronous execution process.

10. a kind of P2P financing platform fund bank based on block chain according to claim 1 deposits pipe management method, Be characterized in that: contract handled by the intelligence contract net includes: P2P debt-credit management agreement, insurance management contract and risk Management agreement；

P2P debt-credit management agreement is by the way that P2P loan agreement clause is abstracted as the first intelligent contract, and by loan agreement Major parameter abstracts the input parameter as loan administration contract, and the loan agreement major parameter includes that loan agreement is borrowed Money people, debtor, debt-credit volume, time, term length, interest rate, mode of settling interests and settle interests the period, the described first intelligent contract according to Major parameter automatic running, the described first intelligent main behavior of contract include contract generation, loan origination, discount of settling interests, loan Expire and break a contract disposition, manages money matters platform by cross-domain calling bank account, credit and/or P2P to realize；

Insurance agreement clause is abstracted as the second intelligence according to the agreement of client, bank and insurance company by the insurance management contract Energy contract, and insurance agreement major parameter is abstracted into the input parameter as insurance management contract, the insurance agreement master Parameter contractor, insurer, beneficiary, target, insurance premium, insurance premium rate and insurance period are wanted, the described second intelligent contract root According to these parameter automatic runnings, the described second intelligent main behavior of contract includes that contract generates, insurance monitors and insurance benefits, portion Point question at issue, which is sent under insurance company's system middle line, to be handled, cochain after the completion of processing result, automatic by the second intelligent contract Processing；

The risk management contract, according to client, bank and insurance each side's agreement, provide whole process, quasi real time, the offline upper phase of line In conjunction with credit risk monitoring, by credit, billing and accounting system, air control system and the cross-domain application of big data analysis, obtain quasi real time Risk alarm, air control analysis data and risk control suggestion, and to client, P2P financing platform and insurance air control service object Collect routine expense.