CN111461894B - Block chain-based responsibility identification method and system for purchasing financial products - Google Patents

Block chain-based responsibility identification method and system for purchasing financial products Download PDF

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CN111461894B
CN111461894B CN202010251941.8A CN202010251941A CN111461894B CN 111461894 B CN111461894 B CN 111461894B CN 202010251941 A CN202010251941 A CN 202010251941A CN 111461894 B CN111461894 B CN 111461894B
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孙颐
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Jiangsu Dexenzhi Equity Investment Co ltd
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Abstract

The invention provides a responsibility identification method and system for purchasing financial products based on a blockchain, and relates to the technical field of blockchains. The method comprises the steps of firstly receiving a request for acquiring financial products sent from a client of a user, wherein the request carries an ID of the user; then pushing a plurality of financial products to the client; after the user selects the second financial product when the user does not select the first financial product, generating an initial change protocol and transmitting the initial change protocol to the client, wherein the risk value of the second financial product is larger than that of the first financial product; further acquiring a final change protocol, wherein the final change protocol is formed after a user inputs a first signature on the initial change protocol; and finally, storing the final change protocol to the blockchain node. According to the invention, when the financial product with a larger risk value is selected, a change protocol is signed with the user and is uploaded to the block chain node, so that the responsibility of clearly purchasing the financial product is facilitated, and disputes with the user are reduced.

Description

Block chain-based responsibility identification method and system for purchasing financial products
Technical Field
The invention relates to the technical field of blockchains, in particular to a blockchain-based responsibility identification method and a blockchain-based responsibility identification system for purchasing financial products.
Background
With the gradual development of society, people's financial idea is deeper and deeper, and though the study of financial products is also many, there is still that most people are not enough to know own property, so that purchase wrong financial products, lead to own property to be frozen for a long time, can only expire and take out. In addition, the existing financial platform recommends financial products matched with the client according to the relevant situation of the client, but the final option is still in the hands of the client, if the client purchases the financial products which are not matched with the client's property and then related problems occur, the client may instruct the financial platform to misguide, and if the situation occurs, no related evidence cannot identify the responsible person, so that unnecessary troubles are caused.
Disclosure of Invention
The invention aims to provide a responsibility identification method for purchasing financial products based on a blockchain, which solves the technical problem that responsibility identification is ambiguous because the prior art cannot prove that the financial products are purchased by clients.
It is a further object of the first aspect of the invention to provide security for the transmission of information.
It is an object of a second aspect of the present invention to provide a blockchain-based responsibility identification system for purchasing financial products.
According to an object of a first aspect of the present invention, there is provided a blockchain-based responsibility identification method for purchasing financial products, comprising:
receiving a request for acquiring financial products sent from a client of a user, wherein the request carries an ID of the user;
pushing a plurality of financial products to the client, wherein a first financial product is identified as recommendation, the first financial product is a financial product matched with the user and obtained from the plurality of financial products according to the fund condition corresponding to the ID of the user, and the fund condition corresponding to the ID of the user is obtained from a data server through a blockchain;
judging whether the user selects a second financial product when the user does not select the first financial product, wherein the risk value of the second financial product is greater than that of the first financial product;
if yes, generating an initial change protocol and transmitting the initial change protocol to the client;
acquiring a final change protocol, wherein the final change protocol is formed after the user inputs a first signature on the initial change protocol;
storing the final change protocol to a blockchain node.
Optionally, acquiring the final modification protocol specifically includes:
receiving a first encrypted final change protocol, wherein the first encrypted final change protocol is formed by performing asymmetric encryption on the final change protocol by using the ID of the user;
and performing asymmetric decryption on the final modified protocol after the first encryption by using a prestored private key so as to acquire the final modified protocol.
Optionally, after acquiring the final modification protocol, further includes:
verifying the first signature on the final modification protocol;
after verification is successful, encrypting the final modified protocol for the second time and generating a secret key;
storing the key and simultaneously sending the key to the client and the exchange server;
and storing the final modified protocol after the second encryption to a blockchain node.
Optionally, the fund situation corresponding to the ID of the user specifically includes:
household annual revenue and household annual expenditure corresponding to the user's ID.
Optionally, the method further comprises:
generating an initial purchase contract after the user selects the first financial product, wherein the initial purchase contract contains the ID of the user;
transmitting the initial purchase contract to the client;
acquiring a final purchase contract, wherein the final purchase contract is formed after the user inputs a second signature on the initial purchase contract;
the final purchase contract is stored to a blockchain node.
Optionally, after storing the final modification protocol to the blockchain node, further includes:
generating an initial purchase contract, wherein the initial purchase contract contains the ID of the user;
transmitting the initial purchase contract to the client;
acquiring a final purchase contract, wherein the final purchase contract is formed after the user inputs a third signature on the initial purchase contract, and the third signature comprises the first signature;
the final purchase contract is stored to a blockchain node.
Optionally, acquiring the final purchase contract specifically includes:
receiving a first encrypted final purchase contract formed by performing asymmetric encryption on the final purchase contract using the user's ID;
and performing asymmetric decryption on the first encrypted final purchase contract by using the prestored private key so as to acquire the final purchase contract.
According to an object of the second aspect of the present invention, the present invention further provides a responsibility identification system for purchasing financial products based on a blockchain, including a client, a underwriter server and a data server connected to each other; wherein, the liquid crystal display device comprises a liquid crystal display device,
the contractor server is configured to receive a request for acquiring financial products sent from the client of a user, push a plurality of the financial products to the client, then, after determining that the user selects a second financial product when the user does not select the first financial product, generate an initial modification protocol and transmit the initial modification protocol to the client, then acquire a final modification protocol, and finally store the final modification protocol to a blockchain node,
the request carries the ID of the user, a first financial product identifier is recommended, the first financial product is a financial product matched with the user and obtained from a plurality of financial products according to the fund condition corresponding to the ID of the user, and the fund condition corresponding to the ID of the user is obtained from the data server by the underwriter server through a block chain; the risk value of the second financial product is larger than that of the first financial product; the final change protocol is formed after the user enters a first signature on the initial change protocol.
Optionally, the underwriter server is further configured to receive the final modified protocol after the first encryption, and then perform asymmetric decryption on the final modified protocol after the first encryption by using a pre-stored private key, so as to obtain the final modified protocol;
and the client is used for performing asymmetric encryption on the final change protocol by using the ID of the user after the final change protocol is formed, so as to form the final change protocol after the first encryption.
Optionally, the underwriter server is further configured to verify the first signature on the final modification protocol; then, after verification is successful, the final modified protocol is encrypted for the second time and a secret key is generated; storing the secret key and simultaneously sending the secret key to the client and the exchange server; and finally, storing the final modified protocol after the second encryption to a blockchain node.
The method comprises the steps of firstly receiving a request for acquiring financial products sent from a client of a user, wherein the request carries an ID of the user; then pushing a plurality of financial products to a client, wherein a first financial product identifier is recommended, the first financial product is a financial product matched with a user and obtained from the plurality of financial products according to the fund condition corresponding to the ID of the user, and the fund condition corresponding to the ID of the user is obtained from a data server on a block chain; after the user selects the second financial product when the user does not select the first financial product, generating an initial change protocol and transmitting the initial change protocol to the client, wherein the risk value of the second financial product is larger than that of the first financial product; further acquiring a final change protocol, wherein the final change protocol is formed after a user inputs a first signature on the initial change protocol; and finally, storing the final change protocol to the blockchain node. According to the invention, when the financial product with a larger risk value is selected, a change protocol is signed with the user and is uploaded to the block chain node, so that the responsibility of clearly purchasing the financial product is facilitated, and disputes with the user are reduced.
Further, in the invention, the final modified protocol is asymmetrically encrypted by using the ID of the user, so as to form the final modified protocol after the first encryption, and then the final modified protocol after the first encryption is asymmetrically decrypted by using the prestored private key, so as to obtain the final modified protocol. The invention can improve the security in the information transmission process by carrying out asymmetric encryption on the final modified protocol.
The above, as well as additional objectives, advantages, and features of the present invention will become apparent to those skilled in the art from the following detailed description of a specific embodiment of the present invention when read in conjunction with the accompanying drawings.
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Some specific embodiments of the invention will be described in detail hereinafter by way of example and not by way of limitation with reference to the accompanying drawings. The same reference numbers will be used throughout the drawings to refer to the same or like parts or portions. It will be appreciated by those skilled in the art that the drawings are not necessarily drawn to scale. In the accompanying drawings:
FIG. 1 is a schematic flow chart diagram of a blockchain-based responsibility identification method for purchasing financial products in accordance with an embodiment of the invention;
FIG. 2 is a schematic flow chart diagram of a blockchain-based responsibility identification method for purchasing financial products in accordance with another embodiment of the invention;
FIG. 3 is a schematic block diagram of a blockchain-based responsibility identification system for purchasing financial products in accordance with an embodiment of the invention;
FIG. 4 is a schematic block diagram of a blockchain-based responsibility identification system for purchasing financial products in accordance with an embodiment of the invention.
Detailed Description
Embodiments of the present invention are described in detail below, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to like or similar elements or elements having like or similar functions throughout. The embodiments described below by referring to the drawings are illustrative and intended to explain the present invention and should not be construed as limiting the invention.
FIG. 1 is a schematic flow chart diagram of a blockchain-based responsibility identification method for purchasing financial products in accordance with an embodiment of the invention. As shown in FIG. 1, in one particular embodiment, the blockchain-based responsibility identification method for purchasing financial products may generally include the steps of:
s100, receiving a request for acquiring financial products sent from a client of a user, wherein the request carries an ID of the user;
s200, pushing a plurality of financial products to a client, wherein a first financial product identifier is recommended, the first financial product is a financial product matched with a user and obtained from the plurality of financial products according to the fund condition corresponding to the ID of the user, and the fund condition corresponding to the ID of the user is obtained from a data server through a block chain;
s300, judging whether a user selects a first financial product; if not, executing S400;
s400, judging whether a user selects a second financial product, wherein the risk value of the second financial product is larger than that of the first financial product; if yes, executing S500;
s500, generating an initial change protocol and transmitting the initial change protocol to a client;
s600, acquiring a final change protocol, wherein the final change protocol is formed after a user inputs a first signature on the initial change protocol;
and S700, storing the final change protocol to the blockchain node.
According to the invention, when the financial product with a larger risk value is selected, a change protocol is signed with the user and is uploaded to the block chain node, so that the responsibility of clearly purchasing the financial product is facilitated, and disputes with the user are reduced.
Fig. 2 is a schematic flow chart of a responsibility identification method for purchasing a financial product based on a blockchain in accordance with another embodiment of the invention. As shown in fig. 2, and referring to fig. 1, S600 obtains a final modification protocol, which specifically includes the following steps:
s610, receiving a first encrypted final change protocol formed by performing asymmetric encryption on the final change protocol by using the ID of the user;
s620, performing asymmetric decryption on the final modified protocol after the first encryption by using a prestored private key to acquire the final modified protocol.
The invention can improve the security in the information transmission process by carrying out asymmetric encryption on the final modified protocol.
Further, after the final modification protocol is obtained, the method further comprises the following steps:
s710, verifying the first signature on the final modified protocol;
s720, after verification is successful, carrying out secondary encryption on the final modified protocol and generating a secret key;
s730, storing the secret key and simultaneously sending the secret key to the client and the exchange server;
and S740, storing the final modified protocol after the second encryption to the blockchain node.
The invention can determine whether the user operates the first signature or not by verifying the first signature on the final change protocol, thereby further improving the security.
In one embodiment, the funding situation corresponding to the user's ID includes, in particular, household annual revenue and household annual expense corresponding to the user's ID. In addition, the funding situation may also include a user's bank deposit or the like. The invention fully considers the annual income and annual expenditure of the whole family of the user, and can find out the financial products suitable for the user to purchase from a plurality of financial products, thereby avoiding risks for the clients.
Further, the responsibility identification method for purchasing financial products based on the blockchain further comprises the following steps:
step one: generating an initial purchase contract after the user selects the first financial product, wherein the initial purchase contract contains the ID of the user;
step two: transmitting the initial purchase contract to the client;
step three: acquiring a final purchase contract, wherein the final purchase contract is formed after a user inputs a second signature on the initial purchase contract;
step four: the final purchase contract is stored to the blockchain node.
Likewise, the final purchase contract needs to be asymmetrically encrypted, namely, encrypted for the first time, and then the encrypted final purchase contract is asymmetrically decrypted by using the private key, so that the final purchase contract is obtained, and the security of information transmission can be improved.
Specifically, after the final purchase contract is obtained, the second signature on the final purchase contract is verified, after the verification is successful, the final purchase contract is encrypted for the second time, a secret key is generated, then the secret key is stored, the secret key is sent to the client and the exchange server, and finally the final purchase contract is stored in the blockchain node.
In one embodiment, after storing the final change protocol to the blockchain node, the method further comprises the steps of:
step one: generating an initial purchase contract, wherein the initial purchase contract contains the ID of the user;
step two: transmitting the initial purchase contract to a client;
step three: acquiring a final purchase contract, wherein the final purchase contract is formed by inputting a third signature on the initial purchase contract by a user, and the third signature comprises a first signature;
step four: the final purchase contract is stored to the blockchain node.
The third signature to be input when the user purchases the second financial product comprises the first signature, so that the user can operate the third signature all the time when the user signs a willingness to change the agreement, and subsequent responsibility identification is facilitated.
In another embodiment, the acquisition of the final purchase contract specifically includes the steps of:
step one: receiving a first encrypted final purchase contract formed by performing asymmetric encryption on the final purchase contract using the user's ID;
step two: and performing asymmetric decryption on the final purchase contract after the first encryption by using a prestored private key to acquire the final purchase contract.
That is, the present invention can encrypt once after the contract is signed and the contract is purchased, then transmit the encrypted contract to the underwriter server, and then decrypt the encrypted contract, thereby enhancing the security in the information transmission process.
FIG. 3 is a schematic block diagram of a blockchain-based responsibility identification system for purchasing financial products in accordance with an embodiment of the invention. As shown in FIG. 3, in one particular embodiment, the blockchain-based responsibility for purchasing financial products 100 generally includes interconnected clients, underwriter servers, and data servers. The underwriter server 20 is configured to receive a request for acquiring financial products sent from a client 10 of a user, push a plurality of financial products to the client 10, determine that the user selects a second financial product when the user does not select a first financial product, generate an initial modification protocol, transmit the initial modification protocol to the client 10, acquire a final modification protocol, and store the final modification protocol to a blockchain 40 node.
The request carries the ID of the user, the first financial product is identified as recommendation, and the first financial product is a financial product matched with the user and obtained from a plurality of financial products according to the fund condition corresponding to the ID of the user. The funds corresponding to the user's ID are obtained by the underwriter server 20 from the data server 30 via the blockchain 40. The risk value of the second financial product is greater than the risk value of the first financial product. The final change protocol is formed after the user inputs the first signature on the initial change protocol.
According to the invention, when the financial product with a larger risk value is selected, a change protocol is signed with the user and is uploaded to the block chain node, so that the responsibility of clearly purchasing the financial product is facilitated, and disputes with the user are reduced.
Further, the underwriter server 20 is further configured to receive the first encrypted final change protocol, and then perform asymmetric decryption on the first encrypted final change protocol using a pre-stored private key to obtain the final change protocol. The client 10 is configured to perform asymmetric encryption on the final change protocol using the ID of the client 10 after the final change protocol is formed, thereby forming the final change protocol after the first encryption.
FIG. 4 is a schematic block diagram of a blockchain-based responsibility identification system for purchasing financial products in accordance with an embodiment of the invention. As shown in fig. 4 and referring to fig. 3, in another embodiment, the underwriter server 20 is further configured to verify the first signature on the final change protocol, then encrypt the final change protocol a second time after the verification is successful and generate a key, then store the key, send the key to the client 10 and the exchange server 50 at the same time, and finally store the final change protocol after the second encryption to the blockchain 40 node.
In the present invention the underwriter server 20 sends the keys to the client 10 and the exchange server 50 and stores the keys locally, i.e. only the underwriter server 20, the client 10 and the exchange server 50 can view the final change agreement and the final purchase contract.
By now it should be appreciated by those skilled in the art that while a number of exemplary embodiments of the invention have been shown and described herein in detail, many other variations or modifications of the invention consistent with the principles of the invention may be directly ascertained or inferred from the present disclosure without departing from the spirit and scope of the invention. Accordingly, the scope of the present invention should be understood and deemed to cover all such other variations or modifications.

Claims (7)

1. A blockchain-based responsibility identification method for purchasing financial products, comprising:
receiving a request for acquiring financial products sent from a client of a user, wherein the request carries an ID of the user;
pushing a plurality of financial products to the client, wherein a first financial product is identified as recommendation, the first financial product is a financial product matched with the user and obtained from the plurality of financial products according to the fund condition corresponding to the ID of the user, and the fund condition corresponding to the ID of the user is obtained from a data server through a blockchain;
judging whether the user selects a second financial product when the user does not select the first financial product, wherein the risk value of the second financial product is greater than that of the first financial product;
if yes, generating an initial change protocol and transmitting the initial change protocol to the client;
acquiring a final change protocol, wherein the final change protocol is formed after the user inputs a first signature on the initial change protocol;
storing the final change protocol to a blockchain node;
after obtaining the final modification protocol, the method further comprises:
verifying the first signature on the final modification protocol;
after verification is successful, encrypting the final modified protocol for the second time and generating a secret key;
storing the key and simultaneously sending the key to the client and the exchange server;
storing the final modified protocol after the second encryption to a blockchain node;
after storing the final change protocol to the blockchain node, further comprising:
generating an initial purchase contract, wherein the initial purchase contract contains the ID of the user;
transmitting the initial purchase contract to the client;
acquiring a final purchase contract, wherein the final purchase contract is formed after the user inputs a third signature on the initial purchase contract, and the third signature comprises the first signature;
the final purchase contract is stored to a blockchain node.
2. The responsibility identification method according to claim 1, wherein the obtaining of the final change protocol comprises:
receiving a final modified protocol after first encryption, wherein the final modified protocol after first encryption is formed by performing asymmetric encryption on the final modified protocol by using the ID of the user;
and performing asymmetric decryption on the final modified protocol after the first encryption by using a prestored private key so as to acquire the final modified protocol.
3. The liability assignment method according to claim 1, wherein the funding situation corresponding to the ID of the user specifically includes:
household annual revenue and household annual expenditure corresponding to the user's ID.
4. The liability assignment method according to claim 1, further comprising:
generating an initial purchase contract after the user selects the first financial product, wherein the initial purchase contract contains the ID of the user;
transmitting the initial purchase contract to the client;
acquiring a final purchase contract, wherein the final purchase contract is formed after the user inputs a second signature on the initial purchase contract;
the final purchase contract is stored to a blockchain node.
5. The liability assignment method according to claim 1, wherein the acquiring of the final purchase contract comprises:
receiving a first encrypted final purchase contract formed by performing asymmetric encryption on the final purchase contract using the user's ID;
and performing asymmetric decryption on the first encrypted final purchase contract by using a prestored private key to acquire the final purchase contract.
6. The responsibility identification system for purchasing financial products based on the blockchain is characterized by comprising a client, a underwriter server and a data server which are connected with each other; wherein, the liquid crystal display device comprises a liquid crystal display device,
the contractor server is configured to receive a request for acquiring financial products sent from the client of a user, push a plurality of the financial products to the client, then, after determining that the user selects a second financial product when the user does not select the first financial product, generate an initial modification protocol and transmit the initial modification protocol to the client, then acquire a final modification protocol, and finally store the final modification protocol to a blockchain node,
the request carries the ID of the user, a first financial product identifier is recommended, the first financial product is a financial product matched with the user and obtained from a plurality of financial products according to the fund condition corresponding to the ID of the user, and the fund condition corresponding to the ID of the user is obtained from the data server by the underwriter server through a block chain; the risk value of the second financial product is larger than that of the first financial product; the final change protocol is formed after the user inputs a first signature on the initial change protocol;
the underwriter server is further configured to verify a first signature on the final modification protocol; then, after verification is successful, the final modified protocol is encrypted for the second time and a secret key is generated; storing the secret key and simultaneously sending the secret key to the client and the exchange server; finally, storing the final modified protocol after the second encryption to a blockchain node;
the underwriter server is further configured to generate an initial purchase contract, where the initial purchase contract includes an ID of the user; then transmitting the initial purchase contract to the client; obtaining a final purchase contract, wherein the final purchase contract is formed by the user after inputting a third signature on the initial purchase contract, and the third signature comprises the first signature; and finally, storing the final purchase contract to a blockchain node.
7. The liability assignment system as defined in claim 6, wherein,
the underwriter server is further configured to receive the final modified protocol after the first encryption, and then perform asymmetric decryption on the final modified protocol after the first encryption by using a prestored private key to obtain the final modified protocol;
and the client is used for performing asymmetric encryption on the final change protocol by using the ID of the user after the final change protocol is formed, so as to form the final change protocol after the first encryption.
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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108898495A (en) * 2018-07-03 2018-11-27 济南浪潮高新科技投资发展有限公司 A kind of finance and money management confirmation of responsibility method based on block chain
CN109214926A (en) * 2018-08-22 2019-01-15 泰康保险集团股份有限公司 Finance product recommended method, device, medium and electronic equipment based on block chain
CN109377198A (en) * 2018-12-24 2019-02-22 上海金融期货信息技术有限公司 A kind of signing system known together in many ways based on alliance's chain

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108898495A (en) * 2018-07-03 2018-11-27 济南浪潮高新科技投资发展有限公司 A kind of finance and money management confirmation of responsibility method based on block chain
CN109214926A (en) * 2018-08-22 2019-01-15 泰康保险集团股份有限公司 Finance product recommended method, device, medium and electronic equipment based on block chain
CN109377198A (en) * 2018-12-24 2019-02-22 上海金融期货信息技术有限公司 A kind of signing system known together in many ways based on alliance's chain

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