CN110609846A - Block chain-based performance insurance processing method and device and computer equipment - Google Patents

Block chain-based performance insurance processing method and device and computer equipment Download PDF

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Publication number
CN110609846A
CN110609846A CN201910887563.XA CN201910887563A CN110609846A CN 110609846 A CN110609846 A CN 110609846A CN 201910887563 A CN201910887563 A CN 201910887563A CN 110609846 A CN110609846 A CN 110609846A
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information
transferee
digital assets
transfer
digital
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CN110609846B (en
Inventor
蔡弋戈
秦青
杨晨
王乐庆
李琴
李云龙
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23Updating
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/64Protecting data integrity, e.g. using checksums, certificates or signatures

Abstract

The application relates to a block chain-based performance insurance processing method, a block chain-based performance insurance processing device, a computer-readable storage medium and computer equipment, wherein the method comprises the following steps: acquiring resource information, a performance date, transfer party information, guarantor information and beneficiary information of a performance bond letter; generating a digital asset based on a performance bond, and writing resource information, performance date, transfer party information, guarantee party information and beneficiary party information corresponding to the digital asset into a block chain; assigning the digital assets to beneficiaries; and acquiring transfer information of the digital assets, transferring the digital assets to the transferee, and writing the transferee information into the block chain. The scheme provided by the application can realize that the fulfillment insurance bond is converted into the digital asset, the asset can be conveniently split, the information is stored based on the block chain, the information is prevented from being falsified, and the credibility of the transferred fulfillment insurance bond is improved.

Description

Block chain-based performance insurance processing method and device and computer equipment
Technical Field
The present application relates to the field of internet, and in particular, to a block chain-based fulfillment insurance processing method and apparatus, a computer-readable storage medium, and a computer device.
Background
When a demand party demands a supplier, the supplier needs to transfer certain resources to the demand party. Both the requesting party and the providing party generally agree on the time limit for the resource to be paid, and the providing party can obtain the resource only when the agreed time limit expires.
In order to ensure the validity of the terms agreed by the demand side and the supply side, the agreed contents of the demand side and the supply side are written into a contract, and the demand side and the supply side sign a performance insurance letter with a bank according to the contract contents. The bank performance insurance contains the relevant information of the supplier and the demander, the resource to be transferred by the demander and the content of the resource to be paid by the bank financial institution when the demander can not pay the resource within the time limit, and the bank gives the supplier the performance insurance as the guarantee voucher.
Because the sponsoring party is responsible for the guarantee in the performance bond, the performance bond can be used as a cashing certificate and can obtain the resource in the agreed cashing period, the supplier can obtain the resource in the cashing period by transferring the held performance bond before the cashing period, and the performance bond is usually paper-based and has the objective possibility of being forged, thereby reducing the credibility of the transferred performance bond.
Disclosure of Invention
In view of the above, there is a need to provide a block chain-based performance bond processing method, apparatus, computer-readable storage medium, and computer device for reducing the credibility of transferred performance bonds.
A block chain-based fulfillment letter processing method comprises the following steps:
acquiring resource information, a performance date, transfer party information, guarantor information and beneficiary information of a performance bond letter;
generating a digital asset based on a performance bond, and writing resource information, performance date, transfer party information, guarantee party information and beneficiary party information corresponding to the digital asset into a block chain;
assigning the digital assets to beneficiaries;
and acquiring transfer information of the digital assets, transferring the digital assets to a transferee, and writing the transferee information into a block chain.
A block-chain-based performance bond processing apparatus, comprising:
the information acquisition module is used for acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary information of the fulfillment insurance letter;
the digital asset generating module is used for generating digital assets based on the performance bond, and writing the resource information, the performance date, the roll-out party information, the guarantor information and the beneficiary party information corresponding to the digital assets into the block chain;
an allocation module for allocating the digital assets to beneficiaries;
and the asset transfer module is used for acquiring transfer information of the digital assets, transferring the digital assets to the transferee and writing the transferee information into the block chain.
A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to perform the steps of the method.
A computer device comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of the method.
According to the block chain-based performance insurance letter processing method and device, the computer-readable storage medium and the computer device, the digital assets are generated based on the relevant information of the performance insurance letter, the relevant information corresponding to the digital assets is written into the block chain, and meanwhile transfer of the performance insurance letter is carried out based on the digital assets. The fulfillment insurance bond is converted into the digital asset, so that the asset can be conveniently transferred and split, information is stored based on the blockchain, the information is prevented from being falsified, and the credibility of the transferred fulfillment insurance bond is improved.
Drawings
FIG. 1 is a diagram of an exemplary block chain-based method for performing an insurance policy;
FIG. 2 is a block chain system according to an embodiment;
FIG. 3 is a flow diagram illustrating the structure of a blockchain in one embodiment;
FIG. 4 is a flowchart illustrating a block chain-based fulfillment letter processing method in one embodiment;
FIG. 5 is a block diagram of a block chain-based performance letter processing apparatus in one embodiment;
FIG. 6 is a block diagram of an apparatus for performing a block-chain-based performance letter processing according to another embodiment;
FIG. 7 is a block diagram of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
FIG. 1 is a diagram of an exemplary block chain-based method for performing a performance bond. May be applied in the application environment as shown in fig. 1. The application environment relates to a terminal 110 and a server 120, the terminal 110 belongs to one of nodes in a blockchain system, the server 120 also belongs to one of nodes in the blockchain system, each node stores one identical blockchain, and the terminal 110 is connected with the server 120 through a network. The server 120 may obtain resource information of the fulfillment insurance bond, fulfillment date, transfer party information, guarantor information, and beneficiary information; generating a digital asset based on a performance bond, and writing resource information, performance date, transfer party information, guarantee party information and beneficiary party information corresponding to the digital asset into a block chain; assigning the digital assets to beneficiaries; and acquiring transfer information of the digital assets, transferring the digital assets to the transferee, and writing the transferee information into the block chain.
Or, the server 120 may interact with the terminal 110 to implement a block chain-based method for processing a fulfillment insurance policy, where the server 120 obtains resource information, fulfillment date, transfer party information, sponsor information, and beneficiary information of the fulfillment insurance policy sent by the terminal 110; generating a digital asset based on a performance bond, and writing resource information, performance date, transfer party information, guarantee party information and beneficiary party information corresponding to the digital asset into a block chain; assigning the digital assets to beneficiaries; the server 120 acquires the transfer information of the digital asset sent by the terminal 110, transfers the digital asset to the transferee, and writes the transferee information into the blockchain. The terminal 110 may specifically be a desktop terminal or a mobile terminal, and the mobile terminal may specifically be at least one of a mobile phone, a tablet computer, a notebook computer, and the like. The server 120 may be implemented as a stand-alone server or as a server cluster comprised of multiple servers.
As shown in fig. 2, the blockchain system 100 is formed by a plurality of nodes (any form of computing device in an access network, such as a server and a user terminal) and a client, a Peer-To-Peer (P2P, Peer To Peer) network is formed between the nodes, and the P2P Protocol is an application layer Protocol operating on top of a Transmission Control Protocol (TCP). In a distributed system, any machine, such as a server or a terminal, can join to become a node, and the node comprises a hardware layer, a middle layer, an operating system layer and an application layer. The functions of each node in the blockchain system comprise: (1) routing, a basic function that a node has, is used to support communication between nodes. (2) The application is used for being deployed in a block chain, realizing specific services according to actual service requirements, recording data related to the realization functions to form recording data, carrying a digital signature in the recording data to represent a source of task data, and sending the recording data to other nodes in the block chain system, so that the other nodes add the recording data to a temporary block when the source and integrity of the recording data are verified successfully. For example, the services implemented by the application include: wallet transactions, shared ledger transactions, intelligent contract transactions, and the like. (3) And the Block chain comprises a series of blocks (blocks) which are mutually connected according to the generated chronological order, new blocks cannot be removed once being added into the Block chain, and recorded data submitted by nodes in the Block chain system are recorded in the blocks.
Each node of the blockchain system stores one identical blockchain. The block chain is composed of a plurality of blocks, referring to fig. 3, the block chain is composed of a plurality of blocks, the starting block includes a block header and a block main body, the block header stores an input information characteristic value, a version number, a timestamp and a difficulty value, and the block main body stores input information; the next block of the starting block takes the starting block as a parent block, the next block also comprises a block head and a block main body, the block head stores the input information characteristic value of the current block, the block head characteristic value of the parent block, the version number, the timestamp and the difficulty value, and the like, so that the block data stored in each block in the block chain is associated with the block data stored in the parent block, and the safety of the input information in the block is ensured.
As shown in fig. 4, in one embodiment, a block chain based method of performing an insurance policy is provided. The embodiment is mainly illustrated by applying the method to the server 120 in fig. 1. Referring to fig. 4, the block chain-based fulfillment letter processing method specifically includes the following steps:
step S220, obtain resource information, date of fulfillment, information of transfer party, information of guarantor and information of beneficiary of fulfillment insurance letter.
Wherein, the performance bond is a performance guarantee commitment made by the bank financial institution to the beneficiary (as the applicant) at the request of the beneficiary and the transfer party, such as: business exchange exists between a supplier (beneficiary) and a core enterprise (transfer party), if the core enterprise purchases parts from the supplier, the two parties agree a payment deadline to pay, the supplier and the core enterprise sign a contract of accounts receivable (accounts receivable for the supplier and accounts payable for the core enterprise), and the core enterprise makes a performance insurance bond for the contract, namely, the core enterprise pays a certain guarantee to a bank financial institution, if the core enterprise can not pay within the payment date, the bank financial institution guarantees to pay. The bank performance bond records the relevant information of the supplier and the core enterprise, the amount of money to be paid by the core enterprise, and the content that the core enterprise guarantees to pay by the bank financial institution when the core enterprise can not pay within the payment date.
The resource information of the performance bond refers to information such as the amount of the resource to be redeemed agreed in the performance bond, for example, 100 ten thousand accounts payable. The date of performance refers to information such as the date of redemption agreed upon in the performance bond, e.g., 100 ten thousand payments by enterprise a to provider B11, 10 of 2019. The information of the transfer party in the performing bond letter indicated by the information of the transfer party, such as: when the roll-out party is an enterprise, the roll-out party information comprises: business name, etc. The information of the sponsor in the performance bond referred to by the sponsor information, such as: when the guarantor is a banking financial institution, the guarantor information includes a name of a bank and the like. The beneficiary information refers to information of beneficiary in the fulfillment insurance, such as: when the beneficiary is the supplier, the beneficiary information comprises: name of the supplier, etc.
In one embodiment, the manner of obtaining resource information, performance date, referrer information, sponsor information, and beneficiary information for a performance bond includes any of: performing image recognition on a fulfillment insurance bond image uploaded by a terminal, and acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary party information of the fulfillment insurance bond; and acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary information of the fulfillment insurance bond uploaded by the terminal.
The server receives a paper fulfillment insurance bond image uploaded by a bank financial institution worker through a terminal, identifies content in the fulfillment insurance bond image through an optical character recognition technology, and obtains resource information, fulfillment date, transfer party information, guarantor information and beneficiary information of the fulfillment insurance bond; or the server receives the resource information, the fulfillment date, the roll-out party information, the guarantor information and the beneficiary information of the fulfillment insurance letter filled by the staff of the bank financial institution through the terminal. Or the resource information, the performing date, the transfer party information, the guarantor information and the beneficiary information extracted from the electronic performing insurance letter. The optical character recognition technology is one of computer vision technologies, and adopts an optical mode to convert characters in a paper document into an image file of a black-and-white dot matrix aiming at print characters, and converts the characters in the image into a text format through recognition software for further editing and processing by character processing software.
Step S240, generating a digital asset based on the performance bond, and writing the resource information, performance date, transfer party information, guarantor information, and beneficiary party information corresponding to the digital asset into the block chain.
Wherein generating digital assets based on the performance bond comprises: when the digital asset issuer is the guarantor, the guarantor initiates an application request of the digital asset, wherein the application request comprises issuer information (namely guarantor information), asset holder information (namely beneficiary), issued asset share, asset identification and other information; when the digital asset issuer is the transfer party, the transfer party initiates an application request of the digital asset, the application request includes issuer information (i.e. transfer party information), asset holder information (i.e. beneficiary party), issued asset share, asset identification and other information, and the server generates the corresponding digital asset according to the information in the received application request. Digital assets refer to non-monetary assets owned or controlled by a business or person, in the form of electronic data, held in daily activities for sale or in the process of production, such as: merchant tickets, equity, Q-chips, gaming equipment, gold, points, tickets, and the like.
Writing the resource information, the performance date, the transfer party information, the guarantor information and the beneficiary information corresponding to the digital assets into the block chain: taking resource information, a performance date, roll-out party information, guarantor information and beneficiary party information corresponding to the digital assets as input information, verifying the input information when a node where a block chain is located receives the input information, storing the input information into a memory pool after verification is completed, and updating a hash tree for recording the input information; and then, updating the updating time stamp to the time when the input information is received, trying different random numbers, and calculating the characteristic value for multiple times, so that the calculated characteristic value can meet the following formula:
SHA256(SHA256(version+prev_hash+merkle_root+ntime+nbits+x))
<TARGET
wherein, SHA256 is a characteristic value algorithm used for calculating a characteristic value; version is version information of the relevant block protocol in the block chain; prev _ hash is a block head characteristic value of a parent block of the current block; merkle _ root is a characteristic value of the input information; ntime is the update time of the update timestamp; nbits is the current difficulty, is a fixed value within a period of time, and is determined again after exceeding a fixed time period; x is a random number; TARGET is a feature threshold, which can be determined from nbits.
When the random number meeting the formula is obtained through calculation, the information can be correspondingly stored, and a block header and a block main body are generated to obtain the current block. And then, the node where the block chain is located respectively sends the newly generated blocks to other nodes in the data sharing system where the newly generated blocks are located according to the node identifications of the other nodes in the data sharing system, the newly generated blocks are verified by the other nodes, and the newly generated blocks are added to the block chain stored in the newly generated blocks after the verification is completed. The user can view the source of the digital asset, such as resource information, performance date, transfer party information, guarantor information, beneficiary information, and the like corresponding to the digital asset through the client of the terminal.
Step S260, the digital assets are distributed to beneficiaries.
After the digital assets are generated on the server through the terminal, the account information corresponding to the beneficiary party is obtained, and the digital assets are distributed to the digital asset account of the supplier. The obtaining of the account information corresponding to the beneficiary may be obtained by searching in an information base according to the beneficiary information, or may be sent by a terminal, such as a digital asset issuer, through the obtaining of the terminal input. When the digital asset issuer is the guarantor, the digital asset is distributed by the guarantor to the beneficiary; when the digital asset issuer is a transferor, the digital asset is distributed to beneficiaries by the transferor. The beneficiary has the ownership of the digital asset, and the beneficiary can process the digital asset, such as transfer, split transfer and the like.
And step S280, acquiring the transfer information of the digital assets, transferring the digital assets to the transferee, and writing the transferee information into the block chain.
The transfer information refers to information generated by a beneficiary when transferring the digital assets corresponding to the performance insurance, and includes: transfer shares for digital assets, transferee information, transferee account information, etc. A transferee refers to a party that receives an assignment of digital assets corresponding to a performing bond. Acquiring transfer information of the digital assets, transferring the digital assets from the account of the beneficiary to the account of the transferee, and generating transfer records after transfer, wherein the transfer records comprise: transfer shares of the digital assets, transferee information, account information of the transferee, transferee time information, beneficiary information, account information of the beneficiary, receipt information of the transfer of the digital assets (e.g., information of transfer success, transfer failure, etc.), and the like. Transfer records may also be written to the blockchain, and when there is an objection to the transfer of digital assets, the transfer records may be retrieved to the blockchain as a voucher.
In one scenario, for example: when all shares of digital assets which a supplier B needs to hold are transferred to an enterprise C, the enterprise C is a transferee, the supplier B initiates a transfer request to a server through a terminal, the transfer request comprises transfer information, namely identification corresponding to all shares of the digital assets, enterprise C information, supplier B information and account information of the enterprise C, after the server receives the transfer request, the digital assets to be transferred are determined in an account of the supplier B according to the identification corresponding to all shares of the digital assets and the information of the supplier B, the digital assets to be transferred are transferred to the account of the enterprise C from the account of the supplier B, the transferee information is written into a block chain, transfer records are generated, and the transfer records are written into the block chain.
Before transferring the digital assets, the transferee and the beneficiary can have an on-line signed transfer protocol, and the information of the transferee, the transfer record, the transfer information and the on-line signed transfer protocol of the transferee and the beneficiary can be written into the block chain, wherein the step of writing into the block chain is the same as the step of writing into the block chain, and is not repeated.
In one embodiment, obtaining transfer information for a digital asset, transferring the digital asset to a transferee, and writing the transferee information to a blockchain comprises: acquiring transfer information of the digital assets, transferring the digital assets to an intermediate account, and sending a sign-in notice to a transferee; and when receiving a signing request fed back by the transferee according to the signing notification, transferring the digital assets from the intermediate account to the transferee, and writing the information of the transferee into the block chain.
Wherein the assignment information includes: transfer shares for digital assets, transferee information, transferee account information, etc. An intermediate account is an account used to effect a transitional effect during the transfer of digital assets, which does not belong to any person/role/institution. The sign-in notification means that the information notifying the transferee of the digital assets to be received can be sent to a terminal corresponding to the transferee, or can be sent to an account of the transferee, and the sign-in notification can be seen after the transferee logs in the account. The transferee may feed back a corresponding request, such as signing a request or rejecting a signing request, by signing a notification. A sign-on request refers to a request for the transferee to agree to receive the digital asset. Denying the sign-on request refers to the transferee not agreeing to receive the request for the digital asset. When the server receives the sign-in request, the digital asset is transferred from the intermediate account to the account of the transferee, and the transferee information is written into the blockchain. When the server receives a denial of the sign-in request, the digital assets are transferred from the intermediate account to the beneficiary's account. And when the server does not receive the feedback within the preset time limit, transferring the digital assets from the intermediate account to the account of the beneficiary. The beneficiary may send a transfer revocation request after the server transfers the digital asset from the beneficiary's account to the intermediate account and before transferring to the transferee's account, the transfer revocation request transferring the digital asset from the intermediate account to the beneficiary's account when the server receives the transfer revocation request.
When a beneficiary transfers the digital assets to a transferee, acquiring a transfer request sent by the beneficiary, acquiring transfer information of the digital assets according to the transfer request, transferring the digital assets from an account of the beneficiary to an intermediate account, and sending a sign-in notice to the transferee; and when receiving a signing request fed back by the transferee according to the signing notification, transferring the digital assets from the intermediate account to the transferee, and writing the information of the transferee into the block chain. And when a request for refusing the sign-in of the transferee according to the feedback of the sign-in notice is received, transferring the digital assets from the intermediate account to the account of the beneficiary. The information in the request for rejecting the sign-in fed back by the transferee can be written into the block chain. The transfer of the digital assets is realized through the intermediate account, and the transfer security can be improved.
The block chain-based performance bond processing method acquires resource information, performance date, transfer party information, guarantor information and beneficiary party information of a performance bond; generating a digital asset based on a performance bond, and writing resource information, performance date, transfer party information, guarantee party information and beneficiary party information corresponding to the digital asset into a block chain, so that the information of the performance bond can be prevented from being tampered; assigning the digital assets to beneficiaries; and acquiring transfer information of the digital assets, transferring the digital assets to the transferee, and writing the transferee information into the block chain. Through converting the fulfillment insurance policy into the digital assets, the assets can be conveniently split, the information is stored based on the block chain, the information is prevented from being falsified, and the credibility of the transferred fulfillment insurance policy is improved.
In one embodiment, obtaining transfer information for a digital asset, transferring the digital asset to a transferee, and writing the transferee information to a blockchain comprises: acquiring a splitting instruction, and splitting the digital assets into a plurality of sub-digital assets; wherein the sum of the sub-digital assets equals the digital assets; acquiring transfer information of the transferred sub-digital assets, and transferring the transferred sub-digital assets to the transferee; writing the resource information corresponding to the transferred sub-digital assets and the transferee information into the block chain; and writing resource information corresponding to the sub-digital assets which are not transferred into the block chain.
The splitting instruction is an instruction sent by a terminal when a digital asset holder needs to split the digital asset, the digital asset holder can be a beneficiary or a transferee, the splitting instruction comprises splitting information of the digital asset, and the number of sub-digital assets to split the digital asset and the share of each sub-digital asset in the digital asset can be determined according to the splitting information. The sub-digital assets are part of the digital assets, and after the digital assets are split into a plurality of sub-digital assets, the plurality of sub-digital assets should be equal to the digital assets. The transferee may be multiple, such as: the digital assets are divided into sub-digital assets q, w and e, the sub-digital assets q can be transferred to an assignor M, the sub-digital assets w can be transferred to an assignor N, the sub-digital assets e can be transferred to an assignor L, a plurality of sub-digital assets can be transferred to the same assignor, a part of the sub-digital assets can be transferred to the assignor, and the rest of the sub-digital assets can be owned by the assignor. The transfer time of the transfer may be the same or different.
Further, when the server receives the sub-digital asset transfer request, the transfer request includes the identifier of the transferred sub-digital asset, the account information of the transferee and the transferee information, the transferred sub-digital asset is transferred to the transferee according to the identifier of the transferred sub-digital asset in the sub-digital asset transfer request, the resource information and the transferee information corresponding to the transferred sub-digital asset are written into the blockchain as input information, the resource information and the transferee information corresponding to the transferred sub-digital asset and the beneficiary information can be written into the blockchain as input information, the resource information and the transferee information corresponding to the transferred sub-digital asset and the transfer protocol signed by the transferee and the beneficiary on line can be written into the blockchain as input information, and after the transfer of the sub-digital asset is completed, and an assignment record can be generated, the resource information corresponding to the assigned sub-digital assets, the transferee information, the assignment record, the beneficiary information, and an assignment protocol signed by the transferee and the beneficiary online can be used as input information to be written into the block chain, and the step of writing into the block chain is the same as the step of writing into the block chain, and is not repeated. When the sub-digital assets are not transferred, the resource information corresponding to the sub-digital assets which are not transferred is written into the block chain, and the resource information corresponding to the sub-digital assets which are not transferred and the digital asset owner information can also be written into the block chain. The step of writing into the block chain is the same as the above step of writing into the block chain, and is not described again.
The sub-digital assets can be split and transferred, the specific splitting step of the split sub-digital assets is that the sub-digital assets to be split are split into a plurality of sub-digital assets as the digital assets, the possessor of the sub-digital assets to be split is the beneficiary, the terminal of the beneficiary sends the splitting instruction, and when the possessor of the sub-digital assets to be split is the transferee, the terminal of the transferee sends the splitting instruction.
In one embodiment, obtaining transfer information for a transferred sub-digital asset and transferring the transferred sub-digital asset to a transferee comprises: acquiring transfer information of the sub-digital assets, transferring the sub-digital assets to an intermediate account, and sending a sign-in notice to a transferee; and when receiving the signing request fed back by the transferee according to the signing notification, transferring the sub-digital assets from the intermediate account to the transferee.
Wherein the assignment information includes: transfer shares for the sub-digital assets, transferee information, transferee account information, etc. When the server receives the sign-in request, the sub-digital assets are transferred from the intermediate account to the account of the transferee, and the transferee information is written into the blockchain. When the server receives a request for refusing to sign in, the sub-digital assets are transferred from the intermediate account to the beneficiary's account. And when the server does not receive the feedback within the preset time limit, transferring the sub-digital assets from the intermediate account to the account of the beneficiary. When the server transfers the sub-digital assets from the beneficiary account to the intermediate account and not to the transferee account, the beneficiary may send a transfer revocation request, and when the server receives the transfer revocation request, the transfer revocation request transfers the sub-digital assets from the intermediate account to the beneficiary account. The information in the request for rejecting the sign-in fed back by the transferee can be written into the block chain. The transfer of the sub-digital assets is realized through the intermediate account, and the transfer security can be improved.
In one embodiment, the steps of obtaining transfer information for a digital asset, transferring the digital asset to a transferee, and writing the transferee information to a blockchain further comprise: acquiring transfer information of digital assets, transferring the digital assets to a transferee, acquiring receipt information for transferring the digital assets to the transferee, generating transfer notification information, sending the transfer notification information to terminals corresponding to the transferee and a beneficiary, and writing the transferee information, the receipt information and the transfer notification information into a block chain. The transfer notification information is used for reminding the transferee or the beneficiary that the transfer of the digital asset is completed after the digital asset is transferred to the transferee. Receipt information refers to feedback information of the transferee after the digital asset is transferred to the transferee. When the transferee and the beneficiary have objection of digital asset transfer, the corresponding receipt information and transfer notification information can be acquired by the blockchain as the transferred evidence.
In one embodiment, further comprising: when a redemption request for the digital asset is detected, the digital asset related information is uploaded to a redemption address of the blockchain.
The cashing request is a request triggered after the fulfillment insurance letter has been fulfilled and is used for controlling the server to destroy the digital assets corresponding to the fulfillment insurance letter. The cashing request can be a request initiated by a guarantee party through a terminal, such as advance performance of a transfer party; or automatically triggered by the server detecting that the fulfillment envelope has reached the fulfillment date. The cashing address is used for destroying the digital assets, the cashing address can be a black hole address, and after all relevant information of the digital assets is uploaded to the cashing address, all relevant information of the digital assets cannot be forwarded to the network. After the digital asset related information is uploaded to the cash address of the block chain, all the related information of the digital asset comprises the digital asset, all circulation information of the digital asset, resource information of a fulfillment insurance bond corresponding to the digital asset, fulfillment date, transfer party information, guarantor information, beneficiary information and the like. By uploading the related information of the digital assets to the cashing address of the block chain, the digital assets can be in an unavailable state, and the cashed digital assets are prevented from being tampered.
In one embodiment, a block chain based method of performing a performance bond is specifically illustrated.
The server carries out image recognition on the image of the fulfillment insurance letter uploaded by the terminal of the bank financial institution, acquires resource information, fulfillment date, transfer party information, guarantor information and beneficiary information of the fulfillment insurance letter, generates a digital asset based on the fulfillment insurance letter, writes the fulfillment date, the transfer party information, the guarantor information and the beneficiary information into a block chain, and distributes the digital asset to the beneficiary. After receiving a splitting instruction sent by a beneficiary through a terminal, a server splits a digital asset into a plurality of sub-digital assets; wherein the sum of the sub-digital assets equals the digital assets.
After a beneficiary subscribes a digital asset transfer protocol with a transferee on line, the beneficiary can send a transfer request to a server through the terminal, when the server receives the transfer request of the terminal, corresponding transfer information is generated according to the transfer request, the transfer information comprises an identifier of a sub-digital asset, the sub-digital asset is transferred to an account corresponding to the transferee according to the transfer information, and the transferee information, the transfer information and the transfer protocol subscribed by the transferee and the beneficiary on line are written into a block chain as input information.
When the performance bond reaches the date of performance, the digital asset is transferred to a redemption address.
According to the method for processing the performance bond insurance letter based on the block chain, the performance bond insurance letter is uploaded into the block chain, and the transfer of the performance bond letter is carried out in the form of digital assets, so that the splitting and the cashing functions of the performance bond letter are realized, the transfer of the performance bond letter is more convenient, the resource information, the performance date, the transfer party information, the guarantor information, the beneficiary information, the transferee information, the transfer information and the transfer protocol signed by the transferee and the beneficiary on line are written into the block chain, the information is prevented from being tampered, and the credibility of the transferred performance bond letter is improved.
FIG. 4 is a flowchart illustrating a block chain-based fulfillment letter processing method in an embodiment. It should be understood that, although the steps in the flowchart of fig. 4 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a portion of the steps in fig. 4 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
As shown in fig. 5, a block-chain-based performance letter processing apparatus includes: an information acquisition module 310, a digital asset generation module 320, a distribution module 330, and an asset transfer module 340.
The information obtaining module 310 is configured to obtain resource information of the fulfillment insurance bond, fulfillment date, transfer party information, guarantor information, and beneficiary information.
And a digital asset generating module 320, configured to generate a digital asset based on the performance bond, and write the resource information, performance date, transfer party information, guarantor information, and beneficiary information corresponding to the digital asset into the blockchain.
An allocation module 330 for allocating the digital assets to beneficiaries.
And the asset transfer module 340 is configured to acquire transfer information of the digital asset, transfer the digital asset to a transferee, and write the transferee information into the block chain.
In one embodiment, asset transfer module 340 is further configured to: acquiring transfer information of the digital assets, transferring the digital assets to an intermediate account, and sending a sign-in notice to a transferee; and when receiving a signing request fed back by the transferee according to the signing notification, transferring the digital assets from the intermediate account to the transferee, and writing the information of the transferee into the block chain.
In one embodiment, asset transfer module 340 is further configured to: acquiring a splitting instruction, and splitting the digital assets into a plurality of sub-digital assets; wherein the sum of the sub-digital assets equals the digital assets; acquiring transfer information of the transferred sub-digital assets, and transferring the transferred sub-digital assets to the transferee; writing the resource information corresponding to the transferred sub-digital assets and the transferee information into the block chain; and writing resource information corresponding to the sub-digital assets which are not transferred into the block chain.
In one embodiment, asset transfer module 340 is further configured to: acquiring transfer information of the sub-digital assets, transferring the sub-digital assets to an intermediate account, and sending a sign-in notice to a transferee; and when receiving a signing request fed back by the transferee according to the signing notification, transferring the sub-digital assets from the intermediate account to the transferee.
In one embodiment, the information obtaining module 310 is further configured to: performing image recognition on a fulfillment insurance bond image uploaded by a terminal, and acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary party information of the fulfillment insurance bond; and acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary information of the fulfillment insurance bond uploaded by the terminal.
Referring to fig. 6, in one embodiment, the block chain-based performance letter processing apparatus further includes a query module 350: when receiving a query request which is sent by a terminal and carries digital asset related information, reading corresponding resource information, a performance date, transfer party information, guarantor information and beneficiary party information of the digital asset from a block chain according to the digital asset related information; and sending the corresponding resource information, the performance date, the roll-out party information, the guarantor information and the beneficiary information of the digital asset to the terminal.
In one embodiment, the block chain-based performance letter processing apparatus further comprises an asset destruction module 360: and when a cashing request of the digital asset is detected, uploading the related information of the digital asset to a cashing address of the block chain.
The block chain-based performance bond processing device acquires resource information, performance date, transfer party information, guarantor information and beneficiary party information of a performance bond through the information acquisition module 310; the digital asset generating module 320 generates a digital asset based on a performance bond, and writes the resource information, performance date, transfer party information, guarantor information and beneficiary party information corresponding to the digital asset into the block chain, so that the information of the performance bond can be prevented from being tampered; the distribution module 330 distributes the digital assets to beneficiaries; the asset transfer module 340 obtains transfer information of the digital asset, transfers the digital asset to the transferee, and writes the transferee information into the blockchain. Through converting the fulfillment insurance policy into the digital assets, the assets can be conveniently split, the information is stored based on the block chain, the information is prevented from being falsified, and the credibility of the transferred fulfillment insurance policy is improved.
FIG. 7 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may specifically be the server 120 in fig. 1. As shown in fig. 7, the computer apparatus includes a processor, a memory, a network interface, an input device, and a display screen connected through a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, causes the processor to implement a block chain-based performance insurance processing method. The internal memory may also have stored therein a computer program that, when executed by the processor, causes the processor to perform a block chain based method of performing insurance coverage processing. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
Those skilled in the art will appreciate that the architecture shown in fig. 7 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, the block chain-based performance letter processing apparatus provided herein may be embodied in the form of a computer program that is executable on a computer device such as that shown in fig. 7. The memory of the computer device may store various program modules constituting the block chain-based performance letter processing apparatus, such as an information acquisition module 310, a digital asset generation module 320, an allocation module 330, and an asset transfer module 340 shown in fig. 5. The computer program of each program module causes the processor to execute the steps of the block chain-based performance guarantee processing method of each embodiment of the present application described in the present specification.
For example, the computer device shown in fig. 7 may perform the acquisition of resource information, fulfillment date, roll-out party information, vouching party information, and beneficiary party information of a fulfillment insurance bond by the information acquisition module 310 in the block-chain-based fulfillment bond letter processing apparatus shown in fig. 5. The computer device may perform generating the digital asset based on the performance bond by the digital asset generation module 320, writing the resource information, performance date, referrer information, collateral information, and beneficiary information corresponding to the digital asset into the blockchain. The distribution of digital assets to beneficiaries may be performed by a computer device via distribution module 330. The computer device may perform the steps of obtaining transfer information for the digital asset, transferring the digital asset to the transferee, and writing the transferee information to the blockchain via the asset transfer module 340.
In one embodiment, a computer device is provided, comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the above block chain based performance insurance processing method. Here, the step of the block chain-based performance insurance processing method may be a step in the block chain-based performance insurance processing method of each of the above embodiments.
In one embodiment, a computer readable storage medium is provided, storing a computer program that, when executed by a processor, causes the processor to perform the steps of the block chain based performance insurance processing method described above. Here, the step of the block chain-based performance insurance processing method may be a step in the block chain-based performance insurance processing method of each of the above embodiments.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims (10)

1. A block chain-based fulfillment letter processing method comprises the following steps:
acquiring resource information, a performance date, transfer party information, guarantor information and beneficiary information of a performance bond letter;
generating a digital asset based on a performance bond, and writing resource information, performance date, transfer party information, guarantee party information and beneficiary party information corresponding to the digital asset into a block chain;
assigning the digital assets to beneficiaries;
and acquiring transfer information of the digital assets, transferring the digital assets to a transferee, and writing the transferee information into a block chain.
2. The method of claim 1, wherein obtaining transfer information for the digital asset, transferring the digital asset to a transferee, and writing transferee information to a blockchain comprises:
acquiring transfer information of the digital assets, transferring the digital assets to an intermediate account, and sending a sign-in notice to a transferee;
and when receiving a signing request fed back by the transferee according to the signing notification, transferring the digital asset from the intermediate account to the transferee, and writing the information of the transferee into the block chain.
3. The method of claim 1, wherein obtaining transfer information for the digital asset, transferring the digital asset to a transferee, and writing transferee information to a blockchain comprises:
acquiring a splitting instruction, and splitting the digital assets into a plurality of sub-digital assets; wherein the sum of the sub-digital assets equals the digital asset;
acquiring transfer information of the transferred sub-digital assets, and transferring the transferred sub-digital assets to the transferee;
writing the resource information corresponding to the transferred sub-digital assets and the transferee information into the block chain;
and writing resource information corresponding to the sub-digital assets which are not transferred into the block chain.
4. The method according to claim 3, wherein the obtaining transfer information of the transferred sub-digital assets and transferring the transferred sub-digital assets to the transferee comprises:
acquiring transfer information of the sub-digital assets, transferring the sub-digital assets to an intermediate account, and sending a sign-in notice to a transferee;
and when receiving a signing request fed back by the transferee according to the signing notification, transferring the sub-digital assets from the intermediate account to the transferee.
5. The method of claim 1, wherein obtaining resource information, performance date, referrer information, sponsor information, and beneficiary information for a performance bond comprises any one of:
performing image recognition on a fulfillment insurance bond image uploaded by a terminal, and acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary party information of the fulfillment insurance bond;
and acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary information of the fulfillment insurance bond uploaded by the terminal.
6. The method of claim 1, further comprising:
when receiving a query request which is sent by a terminal and carries digital asset related information, reading corresponding resource information, a performance date, transfer party information, guarantor information and beneficiary party information of the digital asset from a blockchain according to the digital asset related information;
and sending the corresponding resource information, the performance date, the roll-out party information, the guarantor information and the beneficiary information of the digital assets to the terminal.
7. The method according to any one of claims 1-6, further comprising: and when a cashing request of the digital asset is detected, uploading the related information of the digital asset to a cashing address of the block chain.
8. A block-chain-based fulfillment letter processing apparatus, comprising:
the information acquisition module is used for acquiring resource information, fulfillment date, transfer party information, guarantor information and beneficiary information of the fulfillment insurance letter;
the digital asset generating module is used for generating digital assets based on the performance bond, and writing the resource information, the performance date, the roll-out party information, the guarantor information and the beneficiary party information corresponding to the digital assets into the block chain;
an allocation module for allocating the digital assets to beneficiaries;
and the asset transfer module is used for acquiring transfer information of the digital assets, transferring the digital assets to the transferee and writing the transferee information into the block chain.
9. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to carry out the steps of the method according to any one of claims 1 to 7.
10. A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method according to any one of claims 1 to 7.
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