CN111402033A

CN111402033A - Asset information management method and device based on block chain

Info

Publication number: CN111402033A
Application number: CN202010177986.5A
Authority: CN
Inventors: 吴懿晨; 龙旻明; 吴艳艳; 窦彦红
Original assignee: Pross Technology Chongqing Co ltd
Current assignee: Pross Technology Chongqing Co ltd
Priority date: 2020-03-13
Filing date: 2020-03-13
Publication date: 2020-07-10

Abstract

One or more embodiments of the present specification provide an asset information management method and apparatus based on a blockchain, where the blockchain stores a target asset account corresponding to a target asset, and an account structure of the target asset account includes an account header and an account body; the account header includes identification information of a target asset; the method is applied to a second asset manager node and comprises the following steps: constructing a business information entry transaction aiming at a target asset account, wherein the business information entry transaction comprises identification information of the target asset account and business information related to the target asset; and sending the business information input transaction to the blockchain, so that the node equipment of the blockchain responds to the business information input transaction, calls the asset business information input logic in the intelligent contract, and writes the business information corresponding to the target asset into an account body of the target asset account.

Description

Asset information management method and device based on block chain

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for asset information management based on a block chain.

Background

The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.

Disclosure of Invention

In view of the above, one or more embodiments of the present specification provide a method, an apparatus, and a computer device for asset information management based on a block chain.

To achieve the above object, one or more embodiments of the present specification provide a method for asset information management based on a blockchain, where the blockchain network system includes a plurality of asset manager nodes;

the blockchain stores a target asset account corresponding to a target asset, wherein the target asset account is created based on a target asset account creation transaction sent by a first asset manager node; the account structure of the target asset account comprises an account head and an account body; the account header includes identification information of a target asset; a third intelligent contract used for inputting the business information of the asset account is deployed on the block chain;

the method is applied to a second asset manager node and comprises the following steps:

constructing a business information entry transaction aiming at a target asset account, wherein the business information entry transaction comprises identification information of the target asset account and business information related to the target asset;

and sending the business information input transaction to the blockchain, so that the node equipment of the blockchain responds to the business information input transaction, calls an asset business information input logic in the third intelligent contract, and writes the business information corresponding to the target asset into an account body of the target asset account.

In yet another illustrated embodiment, a first intelligent contract for asset account creation is deployed on the blockchain; the creation process of the target asset account comprises:

the first asset manager node constructs a target asset account creation transaction, the target asset account creation transaction including identification information of a target asset;

and sending the target asset account creation transaction to the blockchain to enable the node equipment of the blockchain to call asset account creation logic in the first intelligent contract to create a target asset account corresponding to the target asset.

In yet another illustrated embodiment, the business information entry transaction further includes a second electronic signature made by the second resource manager node device based on the business information;

the calling an asset business information input logic in the third intelligent contract, and writing the business information corresponding to the target asset into an account body of the target asset account includes:

calling asset service information input logic in the third intelligent contract to verify whether the second electronic signature is made by the second resource manager node equipment based on the service information; and if so, writing the service information corresponding to the target asset and the second electronic signature into an account body of the target asset account.

In yet another illustrated embodiment, the service information includes a service information name and a service information content; the account body also records identity information of a second administrator corresponding to the second electronic signature;

the invoking asset service information entry logic in the third intelligent contract further comprises:

acquiring a stored second asset management party identity corresponding to the business information name from an account body of the target asset account based on the business information name included in the business information entry exchange;

confirming whether the identity information of the second asset management party corresponding to the second electronic signature included in the business information entry transaction is the same as the stored identity information of the second asset management party;

and if not, refusing to write the service information corresponding to the target asset and the second electronic signature into an account body of the target asset account.

In yet another illustrated embodiment, a second intelligent contract for asset account validation is deployed on the blockchain; the method further comprises the following steps:

building a target asset account confirmation transaction comprising a second electronic signature made by the second asset manager node based at least on the identification information of the target asset;

sending the target asset account confirmation transaction to the blockchain to cause a node device of the blockchain to invoke asset account confirmation logic in the second intelligent contract to enter the second electronic signature into an account header of the target asset account to represent that the asset account has been confirmed by the second asset manager.

In yet another illustrated embodiment, the account header further includes a second electronic signature made by the second asset manager node based at least on the identification information of the target asset.

In yet another illustrated embodiment, the account header further includes an identity certificate of the second asset manager.

In yet another illustrated embodiment, the blockchain is a blockchain constructed based on an account model, and the target asset account is saved in an account storage space corresponding to the first intelligent contract or in a state database of the blockchain.

In yet another illustrated embodiment, the blockchain is a blockchain constructed based on a ledger model, and the target asset accounts are maintained in a state database of the blockchain.

In yet another illustrated embodiment, the identification information of the target asset includes descriptive information of the target asset, or a hash digest value calculated based on the descriptive information of the target asset.

In a further illustrated embodiment, the target property is a creditability financing property based on a target subject matter, and the description information of the target property includes one or more of loan transaction number, loan amount, loan applicant identity information and the like corresponding to the target property; the first property management party is a loan application party or an agent of the loan application party;

the blockchain also includes the loan provider node;

the business information related to the target property includes creditor certification information of the target subject matter, and loan bill information.

In yet another illustrated embodiment, the account header of the target property account also incorporates an electronic signature made by the loan provider based on the identification information of the target property.

In yet another illustrated embodiment, the blockchain further includes one or more of debtor nodes, independent third party organization nodes, financial regulatory organization nodes, asset rating organization nodes, fair organization nodes, asset hosting organization nodes, asset registration organization nodes, evidence depositing organization nodes, etc. nodes of the target subject matter;

the business information related to the target assets further comprises one or more of warehousing information, acceptance draft information, asset supervision information, asset rating information, asset fairness information, asset hosting information, asset registration information, deposit evidence information and the like of the target objects.

Correspondingly, the specification also provides an asset information management device based on the blockchain, wherein the blockchain network system comprises a plurality of asset management side nodes;

the device is applied to a second asset management side node and comprises the following components:

the system comprises a construction unit, a transaction processing unit and a transaction processing unit, wherein the construction unit is used for constructing a business information input transaction aiming at a target asset account, and the business information input transaction comprises identification information of the target asset account and business information related to the target asset;

and the sending unit is used for sending the business information input transaction to the blockchain, so that the node equipment of the blockchain responds to the business information input transaction, calls an asset business information input logic in the third intelligent contract, and writes the business information corresponding to the target asset into an account body of the target asset account.

In yet another illustrated embodiment, a second intelligent contract for asset account validation is deployed on the blockchain;

the building unit further configured to build a target asset account confirmation transaction that includes a second electronic signature made by the second asset manager node based at least on the identification information of the target asset;

the sending unit is further configured to send the target asset account confirmation transaction to the blockchain, so that the node device of the blockchain invokes asset account confirmation logic in the second intelligent contract to record the second electronic signature into the account header of the target asset account to indicate that the asset account has been confirmed by the second asset manager.

the blockchain also includes the loan provider node;

Accordingly, this specification also provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, the asset information management method based on the block chain executed by the second asset management node is executed.

Accordingly, the present specification also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the above-described blockchain-based asset information management method performed by the second asset management node.

According to the technical scheme, the asset information management method and device based on the block chain, provided by the specification, are used for inputting service information into a target asset account established on the block chain through at least one second asset management node; and secondly, compared with the method that the related business information of the target asset is randomly stored in the account book of the block chain, the asset account model is adopted to carry out centralized management on the business information of the target asset, so that the information management efficiency is obviously improved.

Drawings

FIG. 1 is a schematic diagram of creating intelligent contracts in an Ethernet bay blockchain as provided by an exemplary embodiment of the present description;

FIG. 2 is a schematic diagram of invoking an intelligent contract in an Etherhouse blockchain as provided by an exemplary embodiment of the present description;

FIG. 3 is a schematic diagram of creating smart contracts in a Fabric blockchain as provided by an exemplary embodiment of the present description;

FIG. 4 is a schematic diagram of invoking a smart contract in a Fabric blockchain as provided by an exemplary embodiment of the present description;

FIG. 5 is a flowchart illustrating a method for blockchain-based asset information management according to an exemplary embodiment of the present disclosure;

FIG. 6 is a flowchart illustrating a method for blockchain-based asset information management according to yet another exemplary embodiment of the present disclosure;

fig. 7 is a flowchart illustrating a property information management method based on a block chain applied to a financing loan scenario according to an embodiment of the present disclosure;

FIG. 8 is a schematic diagram of an asset information management device based on a blockchain according to an embodiment provided in the present specification;

fig. 9 is a hardware block diagram for operating an embodiment of a blockchain-based asset information management device provided in the present specification.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.

It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the methods may include more or less steps than those described herein. Moreover, a single step described in this specification may be divided into multiple steps for description in other embodiments; however, in other embodiments, multiple steps described in this specification may be combined into a single step for description.

The block chain network according to one or more embodiments of the present disclosure may specifically refer to a P2P network system having a distributed data storage structure, where each node device achieves data sharing via a common knowledge mechanism, and data in the block chain is distributed in temporally consecutive "blocks" (where a latter block contains a data digest of a former block), and full backup of data of all or part of nodes is achieved according to different common knowledge mechanisms (such as POW, POS, DPOS, PBFT, or the like). As is well known to those skilled in the art, since the blockchain network system operates under a corresponding consensus mechanism, data that has been included in the blockchain database is difficult to be tampered with by any node, for example, a blockchain with Pow consensus is adopted, and it is possible to tamper with existing data only by an attack that requires at least 51% of effort on the whole network, so the blockchain network system has a characteristic of ensuring data security and anti-attack tampering, which is incomparable with other centralized database systems. Therefore, the data recorded in the distributed database of the blockchain cannot be attacked or tampered, and the authenticity and reliability of the data information of the distributed database of the blockchain are guaranteed.

Although the term blockchain is generally associated with bitcoin cryptocurrency networks, blockchains as used herein may refer to D L S (distributed ledger system) without reference to any particular use case.

In a public blockchain network, the consensus process is controlled by nodes of the consensus network. For example, hundreds, thousands, or even millions of entities may cooperate in a public blockchain network, each entity operating at least one node in the public blockchain network. Thus, a public blockchain network may be considered a public network with respect to participating entities. Example public blockchain networks include bitcoin networks, which are peer-to-peer payment networks. Bitcoin networks utilize a distributed ledger, called blockchains. However, as noted above, the term blockchain is generally used to refer to distributed ledgers that do not specifically refer to bitcoin networks.

Typically, public blockchain networks support public transactions. The public transaction is shared with all nodes within the public blockchain network and stored in the global blockchain. A global blockchain is a chain of blocks that is replicated across all nodes. That is, for a global blockchain, all nodes are in a completely consistent state. To achieve consensus (e.g., agree to add blocks to a blockchain), a consensus protocol is implemented within a public blockchain network. Example consensus protocols include, but are not limited to, proof of work (POW) implemented in bitcoin networks.

Typically, a private blockchain network is provided for a specific entity that centrally controls the reading and logging rights. The entity controls which nodes can participate in the blockchain network. Thus, private blockchain networks are often referred to as licensed networks, which impose restrictions on who is allowed to participate in the network and its level of participation (e.g., only in certain transactions). Various types of access control mechanisms may be used (e.g., existing participants vote to add a new entity, and regulatory authorities may control admission).

Typically, a federated blockchain network is private among the participating entities. In a federated blockchain network, the consensus process is controlled by an authorized set of nodes (federation member nodes), one or more of which are operated by respective entities (e.g., enterprises). For example, a federation consisting of ten (10) entities (e.g., enterprises) may operate a federated blockchain network in which each entity operates at least one node. Thus, a federated blockchain network may be considered a private network in terms of participating entities. In some examples, each entity (node) must sign each block to validate the block and add the validated block to the blockchain. In some examples, at least a subset of the entities (nodes) (e.g., at least 7 entities) must sign each block to validate the block and add the validated block to the blockchain.

It is contemplated that embodiments provided herein can be implemented in any suitable type of blockchain network system, and that the above "suitable type" is not limited to public, federated, or private chains as defined above.

A node (or node device) according to one or more embodiments of the present specification refers to a node that can join the blockchain as the blockchain by executing installation of a node protocol program following a corresponding node protocol. The consensus node according to the embodiments of the present disclosure may include a node generated by confirming or packaging the content of the block chain according to the consensus rule (or the consensus mechanism) observed by the network system of the block chain.

The real data generated by the physical world can be constructed into a standard transaction (transaction) format supported by a block chain, then is issued to the block chain, the node equipment in the block chain performs consensus processing on the received transaction, and after the consensus is achieved, the node equipment serving as an accounting node in the block chain packs the transaction into a block and performs persistent evidence storage in the block chain.

With the development of blockchain technology, the block chain architecture gradually develops from a distributed network platform supporting virtual currency (such as bitcoin) transactions to a programmable distributed network platform supporting intelligent contract applications. The block chain (such as an Ether block chain) constructed based on the account model and the block chain (such as a super ledger alliance chain) constructed based on the ledger model can both support the deployment and execution of the intelligent contracts.

In the field of blockchain, an important concept is Account (Account); taking an ether house as an example, the ether house generally divides an account into an external account and a contract account; the external account is an account directly controlled by the user and is also called as a user account; and a contract account is an account containing contract code (i.e., a smart contract) created by a user through an external account based on issuing a smart contract deployment transaction onto the blockchain.

After Bob sends a Transaction (Transaction) containing information to create a smart contract to the ethernet network, each node can execute the Transaction in the EVM, as shown in fig. 1. In fig. 1, the From field of the transaction is used To record the address of the account initiating the creation of the intelligent contract, the contract code stored in the field value of the Data field of the transaction may be bytecode, and the field value of the To field of the transaction is a null account. After the nodes reach the agreement through the consensus mechanism, the intelligent contract is successfully created, and the follow-up user can call the intelligent contract.

After the intelligent contract is established, a contract account corresponding to the intelligent contract appears on the block chain, and the block chain has a specific address; for example, "0 x68e12cf284 …" in each node in fig. 1 represents the address of the contract account created; the contract Code (Code) and account store (Storage) will be maintained in the account store for that contract account. The behavior of the intelligent contract is controlled by the contract code, while the account storage of the intelligent contract preserves the state of the contract. In other words, the intelligent contract causes a virtual account to be generated on the blockchain that contains the contract code and account storage.

As shown in FIG. 2, still taking the Etherhouse as an example, after Bob sends a transaction containing the information of the calling intelligent contract to the Etherhouse network, each node can execute the transaction in the EVM. In fig. 2, the From field of the transaction is used To record the address of the account initiating the intelligent contract invocation, the To field is used To record the address of the intelligent contract invocation, and the Data field of the transaction is used To record the method and parameters of the intelligent contract invocation. After invoking the smart contract, the account status of the contract account may change. Subsequently, a client may view the account status of the contract account through the accessed block link point (e.g., node 1 in fig. 2).

The intelligent contract can be independently executed at each node in the blockchain network in a specified mode, and all execution records and data are stored on the blockchain, so that after the transaction is executed, transaction certificates which cannot be tampered and lost are stored on the blockchain.

The block chain built by the super ledger and the like based on the ledger model has no account concept, and the intelligent contracts are directly deployed in the local verification node equipment and are created, called and executed by the verification nodes.

Taking a Fabric blockchain as an example, the blockchain network includes the following nodes: an identity service node, an authentication node, and a non-authentication node.

The identity service node is responsible for issuing and managing the identities of users and organizations, such as various digital certificates used in registration, transaction and transmission processes, and keys related to the blockchain.

The verification node may create and verify transactions and maintain the state of the smart contract. When the transaction is executed, the transaction can be agreed with most other verification nodes (depending on the consensus algorithm), and then the local account book data can be updated; each validation node may locally hold a copy of the ledger.

The non-verification node can create a transaction or receive a request of the client to assemble the transaction and send the transaction to the verification node for processing, and in order to accelerate the corresponding query speed of the client, the non-verification node also locally keeps a copy of the ledger data.

The process of deploying intelligent contracts on the Fabric blockchain is shown in fig. 3, and a client (or a non-verification node) can submit intelligent contract codes to any verification node through an API; after the verification node verifies the effectiveness of the intelligent contract code, the intelligent contract code is synchronized to other verification nodes; through the distribution mechanism, the code of the intelligent contract is finally stored in each verification node. After the validity of the intelligent contract is verified by each verification node, the intelligent contract code can be executed in the EVM, so that the intelligent contract is deployed on each verification node.

The calling execution process of the intelligent contract in the Fabric Block chain is shown in FIG. 4. Step 401, a client or a non-verification node sends an intelligent contract calling transaction to any verification node; step 402, after receiving the request, the verification node sends a transaction starting instruction to a local ledger (hedger); step 403, and executing the transaction in the EVM; step 404, after the transaction is executed, the transaction is recorded into a local account book, and the state of the local account book is updated based on the transaction execution result; step 405, the transaction is broadcast to other authentication nodes so that the other authentication nodes execute the transaction locally.

As can be seen from the above calling and executing process of the intelligent contract, although there is no concept of an account in the blockchain of the ledger model architecture, the execution result is updated in the state database of the ledger of the blockchain based on the execution of the intelligent contract.

At present, a common mode for developing financial services based on a block chain is that a financial service organization submits asset-related service information to uplink, or a service-related organization submits corresponding service information to uplink and service information application parties respectively, and asset service information is applied after block chain synchronous data, for example, information can be checked and checked after a fund party synchronizes asset service information to issue a loan. Asset information that is scattered and stored in a blockchain ledger in a transaction form is limited in efficiency of management application of the asset information due to lack of an effective data organization manner.

In view of the above, in one embodiment shown in the present specification, there is provided a method for asset information management based on a blockchain, the blockchain network system including a plurality of asset manager nodes; the block chain is provided with a first intelligent contract used for asset account creation, and the processing logic corresponding to the contract code of the first intelligent contract comprises asset account creation logic.

The present specification does not limit the specific representation of the assets, and may include physical assets having physical forms, or may include one or more of assets having digital assets, virtual assets, financial assets, securitized financial assets, and the like, which do not have physical forms. In this specification, a user who can manage the assets in any way can be used as the asset manager to join the blockchain network to perform management actions such as creating an asset account, publishing business information related to the assets, or supervising, rating, justice and the like on the asset account.

In various embodiments below in this specification, a "first manager" represents a user that creates an asset account, and a "second manager" represents a user that enters asset-related business information into the asset account. Therefore, in addition to completing the operation of creating the asset account, the first administrator user may also be used as a second administrator user to enter the service information into the created asset account.

Fig. 5 provides an exemplary embodiment of information management of a target asset based on a target asset account, the information management process being performed by a first manager node device, the process of creating a target asset account for a target asset as shown in fig. 5 comprising:

step 502, a target asset account creation transaction is constructed, the target asset account creation transaction including identification information of a target asset.

The identification information of the target asset is information for identifying the target asset differently, and may include description information of the target asset, or a unique identification code generated based on the description information of the target asset, such as a hash value obtained by hashing the description information of the target asset.

Step 504, sending the target asset account creation transaction to the blockchain, so that the node device of the blockchain invokes the asset account creation logic of the first intelligent contract to create a target asset account corresponding to the target asset; wherein the account structure of the target asset account comprises an account header and an account body; the account header comprises identification information of the target asset and an address of an account of the target asset, and the account is used for recording business information which is sent by at least one second manager node device and related to the target asset. The at least one second manager node device may include the first manager node device.

During implementation, if the blockchain is derived from an Etherhouse architecture and is constructed based on an account model, the account types supported by the blockchain can be expanded, and an asset account is expanded on the basis of the account types supported by the blockchain; for example, an asset account can be expanded on the basis of an external account and an intelligent contract account supported by an Ethernet; the asset account may be stored in a state database of the blockchain, similar to an external account, a smart contract account. Or, the asset account can be stored in an account storage space corresponding to the first intelligent contract, and the creation, content update and other operations of the asset account can be executed by calling the first intelligent contract.

If the blockchain is a blockchain derived from a super ledger blockchain architecture and constructed based on the ledger model, because account structures such as external accounts and intelligent contract accounts are not established in the state database of the blockchain, the target asset account created based on the asset account creation method provided by the above embodiment is saved in the state database of the blockchain.

The target asset account created based on the above embodiment may be implemented by a structure body including an account header and an account body, where the account header is used to distinguish different assets and may include identification information of the target asset; the account body is used for recording business information which is sent by at least one second manager node device and is related to the target asset.

In yet another illustrated embodiment, the account header may further include an address of the target asset account; the address can be calculated based on a preset address generation algorithm, for example, a hash value obtained by performing hash calculation on all information of the account head is used for distinguishing different asset accounts.

The first asset management party is used as a creator of the target asset account, and creates a corresponding target asset account for the target asset in the blockchain, so that the second asset management party in the blockchain can conveniently perform management operations in modes of inputting, updating, acquiring, supervising, grading and the like on the related information of the target asset, such as service information. Further, before the asset manager of the blockchain performs various management operations on the target asset account, the target asset account may need to be confirmed to indicate that the corresponding relationship between the target asset account and the target asset is approved. At this time, a second intelligent contract for confirming the asset account is also deployed on the blockchain; the processing logic corresponding to the contract code of the second intelligent contract comprises asset account validation logic; the process of validating the target asset account by an asset manager node (which may include a first asset manager node, or a second asset manager node) of the blockchain includes:

step 506, constructing a target asset account confirmation transaction, the target asset account confirmation transaction comprising an electronic signature made by the asset manager node based at least on the identification information of the target asset;

step 508, sending the target asset account confirmation transaction to the blockchain, so that the node device of the blockchain invokes the asset account confirmation logic of the second intelligent contract to record the first electronic signature into the account header of the target asset account to represent that the asset account has been confirmed by the first asset manager.

The present embodiment does not limit the roles and number of the asset managers that confirm the asset accounts, and those skilled in the art can set a corresponding account confirmation business process for the asset managers that need to confirm the target asset accounts according to the actual needs of the business. In an illustrative embodiment, the asset manager user to validate the target asset account comprises a first asset manager that creates the target asset account; the electronic signature made by the first asset manager node based on at least the identification information of the target asset is a first electronic signature. To facilitate the other asset managers to authenticate the validation process, the account header of the target asset account may further include an identity certificate of the first asset manager that created the target asset account.

After the confirmation of the target asset account is completed, at least one second asset management party on the blockchain can input business information related to the target asset account. In a further illustrated embodiment, a third intelligent contract for asset account business information entry is also deployed on the blockchain; the processing logic corresponding to the contract code of the third intelligent contract comprises asset service information input logic; as shown in fig. 5, the process of entering the business information related to the target asset into the account body includes:

step 510, the second asset management node device constructs a business information entry transaction aiming at a target asset account, wherein the business information entry transaction comprises identification information of the target asset account and business information related to the target asset;

step 512, sending the service information entry transaction to the blockchain, so that the node device of the blockchain responds to the service information entry transaction, invokes an asset service information entry logic in the third intelligent contract, and writes the service information corresponding to the target asset into an account body of the target asset account.

Through the writing operation, the operations of adding, deleting, updating and the like of the business information in the target asset account can be realized. As is readily known by those skilled in the art, the business information related to the target asset, which is contained in the target asset account, is recorded in the blockchain account book in a transaction manner by sending the transaction to the blockchain, so that the recording operation is guaranteed to be recorded in the blockchain account book, the business information is prevented from being repudiated or tampered by a block chain-based tamper-proof mechanism, and any asset management party can conveniently trace the recording operation and the related business information in a whole process; and the method also ensures that the recorded service information after the consensus verification of the verification nodes of the block chain is displayed in the target asset account in a centralized manner, and the service information provided by different asset management parties is uniformly and effectively organized in the target asset account. Compared with the scattered transactions which are recorded according to time and are not organized and collected in the block chain account book, the method for managing the business information related to the assets based on the asset accounts greatly improves the management efficiency of the business information related to the target assets.

The service information described in the foregoing embodiment may specifically be set as a data set with a multi-layer "key-value" structure, where a key value is a name of the service information, and a value is a specific content of the service information; furthermore, the specific content of the service information may further include multiple sets of key-value data, so as to further refine the specific content of the service information.

In the above embodiment, any second asset manager and even any node device in the blockchain may submit the business data to the target asset account by invoking the third intelligent contract; while the blockchain can ensure traceability and non-tamper-ability of the transaction, it cannot prevent a malicious party from updating the business data provided by other asset managers in the account by calling a third intelligent contract. Although it is possible to prevent unauthorized parties from sending business data to the target asset account by the authority control of the third intelligent contract, it is impossible to prevent an authorized party from maliciously changing the data of other parties; moreover, the data protection function performed by the authority control function based on the third intelligent contract is then disabled when the target asset account sends a cross-chain transfer.

In view of the above problems, fig. 6 illustrates a method for entering business information into an asset account according to another embodiment of the present specification, including:

step 602, a second asset management node device constructs a service information entry transaction for a target asset account, where the service information entry transaction includes identification information of the target asset account, service information related to the target asset, and a second electronic signature made by the second resource management node device based on the service information to be entered;

step 604, sending the service information entry transaction to the blockchain, so that the node device of the blockchain invokes an asset service information entry logic in the third intelligent contract in response to the service information entry transaction, to verify whether the second electronic signature is made by the second resource manager node device based on the service information; and if so, writing the service information corresponding to the target asset and the second electronic signature into an account body of the target asset account.

The second electronic signature made by each second asset management party based on the submitted business information is brought into the target asset account, so that the business information can be effectively prevented from being tampered by other parties, and the business information in the target asset account is guaranteed to be the real will expression of the submitting party. In addition, in the present embodiment, even if the target asset account data is transferred across chains in the subsequent business, the electronic signature of each asset manager included in the target asset account provides a proof of the authenticity and validity of the business information provided by each asset manager.

In a further illustrated embodiment, to prevent any second asset manager from updating the business information that other second asset managers have entered into the target asset account, the account body may include, in addition to the second electronic signature, identity information of the second manager corresponding to the second electronic signature.

Correspondingly, the node equipment in the block chain responds to the business information input transaction submitted by the second asset management party, and invokes the asset business information input logic in the third intelligent contract:

acquiring a stored second asset management party identity corresponding to the business information name from an account body of the target asset account based on the business information name included in the business information;

confirming whether the identity information of the second asset management party corresponding to the second electronic signature included in the business information entry transaction is the same as the stored identity information of the second asset management party; and if not, refusing to write the service information corresponding to the target asset and the second electronic signature into an account body of the target asset account.

In this embodiment, by verifying whether the identity information of the second management party performing the update operation on the stored service information in the asset account is the same as the identity information of the second management party corresponding to the stored service information in the asset account, it is ensured that only the same second management party can perform the update operation on the submitted service information, and it is effectively prevented that any second asset management party updates the service information that has been entered into the target asset account by other second asset management parties.

It should be noted that the first intelligent contract, the second intelligent contract and the third intelligent contract described in the above embodiments may be the same intelligent contract or different intelligent contracts; the asset account creation logic, the asset account confirmation logic, and the asset service information entry logic may correspond to different functions within the same intelligent contract, or may be included in contract codes of different intelligent contracts, which is not limited in this specification.

Hereinafter, the asset information management method based on the block chain provided in this specification will be briefly described by taking an application in the field of financial technology as an example. In the present embodiment, the target property is a loan property generated based on a target subject matter, such as a loan property applied based on transfer or pledge of the target subject matter. The target object may be a physical asset such as a real estate asset or an actual asset, or may be an intangible asset such as a digital asset, a financial bond, or an intellectual property, and the target object is not limited in this embodiment.

The owner of the creditor property can be used as a loan application party to lift a loan application to a financial institution, the financial institution needs to check the authenticity of the business information related to the creditor property when checking the limit of the loan application, and the business information can comprise trade background information, payment information, warehousing information and the like; when the financial institution issues a loan for the loan application, the service information may further include loan issuance information, loan repayment information, and the like.

The block chain is provided with intelligent contracts used for asset account management, and the processing logic corresponding to the contract codes of the intelligent contracts comprises asset account creation logic, asset account confirmation logic, asset account entry logic and the like. The asset account creation logic, the asset account confirmation logic, and the asset account entry logic may be distributed in the same intelligent contract, or may be distributed in different intelligent contracts, and are not limited in this specification.

Fig. 7 illustrates a property information management flow applied to a financing loan scenario in the present embodiment, in which the loan applicant and the loan provider (i.e., the financial institution) may join the blockchain network as the property management node in the above embodiments by operating a node configuration protocol of the blockchain.

In an actual business scene, a loan application party may be a personal user or a small and medium-sized enterprise user, the configuration of a computer terminal of the loan application party may not meet the configuration requirement of the block chain node equipment, and at the moment, an agent party needs to proxy the loan application party to execute node operation; alternatively, the loan applicant may require the loan servicing institution to perform node operations on the block chain as its agent based on the loan servicing business provided by the loan servicing institution.

As shown in fig. 7, the asset information management process includes:

in step 701, a loan servicing institution, acting as an agent of a loan applicant, receives a financing loan application initiated by the loan applicant based on the transfer or pledge of the debt (i.e., receivable) generated by the goods trade.

Step 702, the loan service organization serves as an agent of a loan application party and sends a property account creation transaction to the block chain, so that the node device of the block chain invokes a property account creation logic in an intelligent contract to create a property account for the creditor financing assets, and the account header of the property account includes identification information of the creditor financing assets.

The identification information of the creditable financing assets may be description information of the creditable financing assets, such as loan service number, loan applicant information, loan application amount, etc., and the creditable financing assets can be uniquely determined through the description information.

Optionally, the identification information of the creditor financing asset may also be a hash digest value calculated based on the description information of the creditor financing asset, so that the creditor financing asset can be uniquely determined more conveniently.

And 703, the loan service institution sends a property account confirmation transaction to the block chain, wherein the property account confirmation transaction comprises an electronic signature made by the loan service institution at least based on the property identification information, so that the node equipment of the block chain calls a property account confirmation logic in an intelligent contract and inputs the electronic signature into an account header of the property account to indicate that the property account is confirmed by the loan service institution.

Optionally, the account header of the property account may further include an identity certificate (e.g., a CA certificate) of the loan servicing authority, so as to facilitate the other property management parties of the block chain to verify the identity of the creator or the validating party of the property account.

In this embodiment, the creditor financing assets can be valid financial assets after being confirmed by the loan provider, and the financial institution as the loan provider can send an asset account confirmation transaction to the block chain as shown in step 705 after the loan application is approved.

Next, as shown in steps 7041 to 7044, the asset management party (which may include the loan servicing institution or the loan applicant) node that performs service information management on the above-mentioned creditory financing asset may send a service information entry transaction to the blockchain, so that the node device of the blockchain invokes, in response to the service information entry transaction, a property service information entry logic in an intelligent contract to write the service information corresponding to the creditory financing asset into the account body of the asset account.

According to specific business needs and process settings, the process of the asset management party entering business information into the creditor financing asset account may include:

step 7041, the loan applicant or the loan service institution node inputs service information, such as identity information of the loan applicant, credit investigation information of the loan applicant, and creditor certification information (the creditor certification information may specifically include one or more of information such as debtor identity, trade contract, order, accounts payable, bill information, or invoice receipt) to the asset account;

step 7042, the debtor node related to the debt inputs debt certification information into the asset account, where the debt certification information may specifically include one or more of information such as debtor identity, trade contract, order, accounts payable, bill information, or invoice receipt, and is used to certify authenticity of the debt;

step 7043, the node of the billing agency inputs the authenticity proving information of the billing information into the asset account;

step 7044, when the target object is a mobile asset stored in a warehouse, the warehousing party node enters warehousing information of the target object into the asset account, where the warehousing information may specifically include one or more of warehousing addresses, warehousing states of the target object, warehousing numbers, and the like.

In this embodiment, the sequence of the steps 7041 to 7043 is not limited, and a financial institution (e.g., a bank) as a loan provider may obtain support information, which is required for loan approval, from an asset account based on one or more of the steps 7041 to 7044, and approve a financing loan application of the loan applicant.

Compared with the existing loan application mode in which a loan service organization submits business information to a financial institution in a unified manner, the method provided by the embodiment based on one or more of the steps 7041 to 7044 can not only provide the relevant business information to the block chain by a plurality of business-related parties (as asset management parties) respectively, but also submit the witness certificate information of the business information submitted by the business-related parties to a target asset account by an independent third-party organization (such as a bill agency, a warehousing party, a logistics company and other user organizations) independent of the loan application party and the loan issuance party, thereby further ensuring the authenticity and accuracy of each business information; and the financial institution performs loan auditing based on a plurality of pieces of real and accurate business information data which are effectively organized and included by the asset account model, so that the loan risk of the financial institution is reduced, and the wind control cost is reduced due to an efficient data management mode.

After the financial institution finishes the loan auditing of the loan applicant, the financial institution can determine to release the loan to the loan applicant. At this time, the financial institution may confirm the asset account to ensure the validity of the creditor financing asset.

Step 705, the financial institution sends an asset account confirmation transaction to the blockchain, where the asset account confirmation transaction includes an electronic signature made by the financial institution based on at least the asset identification information, so that the node device of the blockchain invokes an asset account confirmation logic in an intelligent contract, and records the electronic signature into an account header of the asset account to indicate that the asset account has obtained confirmation from the financial institution.

Optionally, the account header of the asset account may further include an identity certificate (e.g., a CA certificate) of the financial institution to facilitate verification of the identity of the validating party of the asset account by other asset managers of the blockchain.

After the creditor financing assets are confirmed by the financial institution, the creditor financing assets can be used as effective financial assets to accept the management of a plurality of asset manager nodes in the block chain network. Steps 7061 to 7067 illustrate that various asset management parties complete information management of creditor financing assets based on obtaining information of the asset accounts or entering information into the asset accounts.

7061, the financial institution node inputs loan bill information into the asset account; the loan bill information may include loan issuance records, loan repayment records, and the like.

At step 7062, the financial administration node obtains the content of the asset account and administers the loan of the financial institution.

Step 7063, the asset rating mechanism obtains the content of the asset account, may perform securitization on the creditor financing asset, and records the securitization information and the asset rating information of the asset into an account body of the asset account.

Step 7064, the justice authority obtains the contents of the asset account, can justify the creditor financing assets, and inputs the justice result into the account body of the asset account.

Step 7065, the asset hosting organization inputs hosting information of the creditor financing assets into an account body of the asset account;

step 7066, the asset registration mechanism enters the registration information of the creditor financing asset into the account body of the asset account;

step 7067, the evidence keeping organization obtains the content of the asset account and records the evidence keeping information of the creditor financing asset into the account body of the asset account.

In the above steps 7041 to 7044 and 7061 to 7067, when each asset management party enters service information into an asset account, each electronic signature based on the entered service information may be entered into the asset account. Thus, even if the creditor financing asset account is subjected to cross-chain information transfer later, the electronic signature made by each asset management party can prove the true validity of the business information.

In correspondence with the above flow implementation, the embodiment of the present specification further provides an asset information management apparatus 80 based on a block chain. The apparatus 80 may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, the logical device is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the device. In terms of hardware, the device in which the apparatus is located generally includes other hardware such as a chip for transmitting and receiving wireless signals and/or other hardware such as a board for implementing a network communication function, in addition to the CPU, the memory, and the storage shown in fig. 9.

As shown in fig. 8, the present specification further provides an asset information management apparatus 80 based on a blockchain, the blockchain network system including a plurality of asset manager nodes;

the apparatus 80 is applied to a second asset manager node, comprising:

a constructing unit 802, configured to construct a service information entry transaction for a target asset account, where the service information entry transaction includes identification information of the target asset account and service information related to the target asset;

a sending unit 804, configured to send the service information entry transaction to the blockchain, so that the node device of the blockchain invokes, in response to the service information entry transaction, an asset service information entry logic in the third intelligent contract to write the service information corresponding to the target asset into an account body of the target asset account.

the constructing unit 802 is further configured to construct a target asset account confirmation transaction, where the target asset account confirmation transaction includes a second electronic signature made by the second asset manager node based on at least the identification information of the target asset;

the sending unit 804 is further configured to send the target asset account confirmation transaction to the blockchain, so that the node device of the blockchain invokes asset account confirmation logic in the second intelligent contract to record the second electronic signature into the account header of the target asset account, so as to indicate that the asset account has obtained confirmation of the second asset manager.

the blockchain also includes the loan provider node;

In yet another illustrated embodiment, the blockchain further includes one or more of debtor nodes of a target subject matter, warehousing nodes of the target subject matter, instrument agency nodes, financial regulatory agency nodes, asset rating agency nodes, fair agency nodes, asset hosting agency nodes, asset registration agency nodes, evidence deposit agency nodes, and the like;

The detailed implementation process of the functions and actions of each unit in the device 80 is described in detail in the implementation process of the corresponding step in the asset information management method based on the block chain executed by the second asset management node, and related points may be referred to the partial description of the method embodiment, and are not described herein again.

The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.

The apparatuses, units and modules described in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

Corresponding to the above method embodiments, embodiments of the present specification further provide a computer device, as shown in fig. 9, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the block chain-based asset information management method performed by the second asset manager node in the embodiments of the present specification. For a detailed description of each step of the asset information management method based on the block chain executed by the second asset manager node, please refer to the previous contents, which is not repeated.

In correspondence with the above method embodiments, embodiments of the present specification also provide a computer-readable storage medium having stored thereon computer programs, which, when executed by a processor, perform the steps of the block chain based asset information management method performed by the above second asset manager node in the embodiments of the present specification. For a detailed description of each step of the asset information management method based on the block chain executed by the second asset manager node, please refer to the previous contents, which is not repeated.

The above description is only for the purpose of illustrating the preferred embodiments of the present disclosure and is not to be construed as limiting the present disclosure, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present disclosure are intended to be included within the scope of the present disclosure.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data.

Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

Claims

1. A block chain-based asset information management method, the block chain network system comprises a plurality of asset manager nodes;

2. The method of claim 1, the blockchain having disposed thereon a first intelligent contract for asset account creation; the creation process of the target asset account comprises:

3. The method of claim 1, the business information entry transaction further comprising a second electronic signature made by the second resource manager node device based on the business information;

4. The method of claim 3, the service information comprising a service information name and a service information content; the account body also records identity information of a second administrator corresponding to the second electronic signature;

5. The method of claim 1 or 2, the blockchain having deployed thereon a second intelligent contract for asset account validation; the method further comprises the following steps:

6. The method of claim 5, the account header further comprising a second electronic signature made by the second asset manager node based at least on the identification information of the target asset.

7. The method of claim 5, the account header further comprising an identity certificate of the second asset manager.

8. The method of claim 2, wherein the blockchain is a blockchain constructed based on an account model, and the target asset account is saved in an account storage space corresponding to the first intelligent contract or in a state database of the blockchain.

9. The method of claim 1, the blockchain being a blockchain constructed based on a ledger model, the target asset account being maintained in a state database of the blockchain.

10. The method of claim 1, wherein the identification information of the target asset comprises descriptive information of the target asset or a hash digest value calculated based on the descriptive information of the target asset.

11. The method according to claim 10, wherein the target property is a creditor financing property based on a target subject matter, and the description information of the target property comprises one or more of loan service number, loan amount, loan applicant identity information and the like corresponding to the target property; the first property management party is a loan application party or an agent of the loan application party;

the blockchain also includes the loan provider node;

12. The method of claim 11, the account header of the target property account further including an electronic signature made by the loan provider based on the identification information of the target property.

13. The method of claim 11, the blockchain further comprising one or more of debtor nodes, independent third party institution nodes, financial regulatory institution nodes, asset rating institution nodes, fair institution nodes, asset hosting institution nodes, asset registration institution nodes, evidence depositing institution nodes, etc. nodes of the target subject matter;

14. An asset information management apparatus based on a blockchain, the blockchain network system including a plurality of asset manager nodes;

15. The apparatus of claim 14, the blockchain having disposed thereon a first intelligent contract for asset account creation; the creation process of the target asset account comprises:

16. The apparatus of claim 14, the business information entry transaction further comprising a second electronic signature by the second resource manager node device based on the business information;

17. The apparatus of claim 16, the service information comprising a service information name and a service information content; the account body also records identity information of a second administrator corresponding to the second electronic signature;

18. The apparatus of claim 14 or 15, the blockchain having disposed thereon a second intelligent contract for asset account validation;

19. The apparatus of claim 18, the account header further comprising a second electronic signature made by the second asset manager node based at least on the identification information of the target asset.

20. The apparatus of claim 19, the account header further comprising an identity certificate of the second asset manager.

21. The apparatus of claim 1, the identification information of the target asset comprising descriptive information of the target asset or a hash digest value calculated based on the descriptive information of the target asset.

22. The apparatus of claim 21, wherein the target property is a creditor financing property based on a target subject matter, and the description information of the target property comprises one or more of a loan transaction number, a loan amount, loan applicant identity information and the like corresponding to the target property; the first property management party is a loan application party or an agent of the loan application party;

the blockchain also includes the loan provider node;

23. The apparatus of claim 22, the account header of the target property account further embodying an electronic signature made by the loan provider based on the identification information of the target property.

24. The apparatus of claim 22, the blockchain further comprising one or more of debtor nodes, independent third party institution nodes, financial regulatory institution nodes, asset rating institution nodes, fair institution nodes, asset hosting institution nodes, asset registration institution nodes, evidence depositing institution nodes, etc. nodes of the target subject matter;

25. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the method of any of claims 1 to 13.

26. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 13.