CN111652719A - Bank draft business service system based on block chain technology - Google Patents
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Abstract
The invention discloses a bank draft business service system based on block chain technology, comprising: enterprise internet bank, third party APP and backstage management system: the enterprise online bank operates companies, dealers and money order services according to the existing multi-level authentication and authorization mode; the third party APP realizes free switching of different roles and completes different permission operations; the background management system produces and compares the lists to ensure fund safety. In the invention, the bank draft business service system combines the block chain technology with the mobile draft, can improve the autonomous selectivity of users, can realize the free control of the mobile draft without depending on the mutual cooperation of a central platform, liberates the risk of a merchant from the internet monopoly, realizes the real transparency and the freedom of data, is convenient for a bank to accurately grasp the risk, provides guarantee for the mobile draft on the block chain, and ensures that the merchant signs and transfers the mobile draft with confidence.
Description
Technical Field
The invention relates to the technical field of bank draft business, in particular to a bank draft business service system based on a block chain technology.
Background
The bank draft is one of the most common bill types, plays an important role in facilitating the national-computer trade settlement, is a bill for a sender to transfer money to a local bank, and is signed by the bank to a receiver to handle transfer settlement or cash in a different place, so that a service model needs to be established between a merchant and a bank for facilitating management of the bank draft and transaction of the merchant through the bank draft.
Disclosure of Invention
The invention aims to solve the defects in the prior art and provides a bank draft business service system based on a block chain technology.
In order to achieve the purpose, the invention adopts the following technical scheme: a bank draft business service system based on block chain technology comprises: enterprise internet bank, third party APP and backstage management system:
the enterprise internet bank records and analyzes the data of companies, managers and money order services according to the existing multi-level authentication authorization mode of the managers, the recheckers and the authorizers, and marks user data conforming to the authorization mode;
the users of the third-party APP comprise three roles, namely a company manager, a local-line personal user and an other-line personal user, the company manager serves as a client of an applicant, and after registration and login, free switching is performed among the three roles according to different permission ranges of all roles and combined with operation permissions required by the users, so that different user permission operations are realized;
the background management system periodically counts the enterprise transaction information on the blockchain in a period of time, generates transaction details, compares the transaction details with the fund account change corresponding to the enterprise in the bank supervision system and the internal account change special for the bank, and judges whether the account changes are consistent or not.
As a further description of the above technical solution:
the enterprise online bank comprises a company service module;
the company service module consists of a signing unit, a replacing signing unit and a contracting relief unit, wherein the signing unit can provide signing authority for an applicant to perform signing operation of mobile money order service in enterprise online banking, the replacing signing unit can provide operation for changing a company signing account for the applicant, the contracting relief unit can apply for contracting relief for the company, and the amount signed by an original manager is completely invalid after contracting relief.
As a further description of the above technical solution:
the enterprise online bank also comprises a manager service module;
the sponsor service module is composed of a real-name authentication unit and a maintenance unit, wherein the real-name authentication unit can perform real-name authentication on a sponsor through a third-party APP, so that the sponsor becomes a sponsor of the real-name authentication, a sponsor private key is generated, authority for applicant query can be provided through the maintenance unit, and operations such as checking and deleting are performed on entrusted sponsor operation.
As a further description of the above technical solution:
the enterprise online bank also comprises a money order service module;
the money order service module is composed of an enterprise issuing unit, a signature authorization unit, a change manager unit and a money order query unit, wherein the enterprise issuing unit is used for issuing mobile money orders to an appointed manager, signature authorization can be carried out on the ticket drawing and transferring actions of the manager through the signature authorization unit, the money orders which are signed by a company in a money order pool can be authorized to be transferred or paid to the manager through the change manager unit, and the money order query unit is used for checking the money order operation, the bill record and the fund flow direction of the company within a period of time.
As a further description of the above technical solution:
the third party APP also comprises an authentication management module;
the authentication management module is composed of a manager management unit and a role switching unit, wherein the manager management unit is used for carrying out real-name authentication on the user and obtaining the corresponding operation permission of the manager after becoming the manager of the real-name authentication, and the role switching unit can provide the permission for carrying out role switching operation in account management when the user has the roles of the individual user and the enterprise manager.
As a further description of the above technical solution:
the third party APP also comprises an authentication management module;
the authentication management module is composed of a manager management unit and a role switching unit, wherein the manager management unit can authenticate a user by real name and obtain corresponding authority of the manager after the user becomes the manager, and the role switching unit can perform role switching operation in account management when the user has roles of an individual user and an enterprise manager.
As a further description of the above technical solution:
the third party APP also comprises a financial management module;
the financial management module comprises a bank card binding unit, a bill drawing and signing unit, an assignment and payment unit and a bill query unit, wherein the bank card binding unit can bind a bank card in account management, the bill drawing and signing unit can provide code scanning interaction for payers and payers to complete bill drawing and signing operations, the assignment and payment unit can assign bills with assignment authority of the payers, and the bill query unit can provide bill checking operation, bill record and fund flow direction for the payers, the local personnel and the other personnel.
As a further description of the above technical solution:
the background management system comprises an account checking platform, and the account checking of the account checking platform comprises the following steps:
s01: counting the remittance bill which is taken as the bill drawing and is signed for receipt by the company and the remittance bill which is honored by the company, and generating a remittance bill;
s02: calling a core financial detail interface to obtain a bank end transaction record;
s03: comparing the draft in the intermediate state with the bank transaction record, and updating the draft state;
s04: comparing the bank transaction record with the platform transaction record, and inquiring whether the transaction records are consistent;
s05: if the comparison structures are consistent, the early warning reminding is not carried out, and if the comparison structures are inconsistent, the early warning reminding is carried out.
As a further description of the above technical solution:
in step S03, the intermediate state of the draft is in the process of drawing out the draft and in the process of paying, and when the transaction fails, the status of the draft is rolled back, and when the transaction succeeds, the status of the draft is updated to be signed for receipt.
The invention provides a bank draft business service system based on a block chain technology. The method has the following beneficial effects:
the bank draft business service system combines the block chain technology with the mobile draft, can improve the autonomous selectivity of users, can realize the free control of the mobile draft without depending on the mutual cooperation of a central platform, liberates the risk of a merchant from the internet monopoly, realizes the real transparency and freedom of data, is convenient for the bank to accurately grasp the risk, provides guarantee for the mobile draft on the block chain, and ensures that the merchant signs up for receipt and transfer.
Drawings
Fig. 1 is a schematic structural diagram of a bank draft service system based on a block chain technology according to the present invention;
FIG. 2 is a schematic diagram of a corporate service module of the present invention;
FIG. 3 is a diagram of a sponsor service module of the present invention;
FIG. 4 is a schematic diagram of a money order service module of the present invention;
FIG. 5 is a diagram of a user management module according to the present invention;
FIG. 6 is a diagram of an authentication management module according to the present invention;
FIG. 7 is a schematic diagram of a financial management module of the present invention;
fig. 8 is a schematic flow chart of the reconciliation platform in the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments.
As shown in fig. 1, a bank draft business service system based on the block chain technology includes: enterprise internet bank, third party APP and backstage management system:
the enterprise internet bank records and analyzes the data of companies, managers and money order services according to the existing multi-level authentication authorization mode of the managers, the recheckers and the authorizers, and marks user data conforming to the authorization mode;
the user of the third-party APP comprises three roles of a company manager, a local-line personal user and an other-line personal user, the company manager is used as a client of an applicant, and after registration and login, the operation authority range required by the user is combined according to the difference of the authority range of each role, and the three roles are freely switched to realize different user authority operations;
the background management system regularly counts the enterprise transaction information on the blockchain in a period of time, generates transaction details, compares the transaction details with the fund account change corresponding to the enterprise in the bank supervision system and the internal account change special for the bank, and judges whether the account changes are consistent.
The bank draft business service system combines the block chain technology with the mobile draft, can improve the autonomous selectivity of users, can realize the free control of the mobile draft without depending on the mutual cooperation of a central platform, liberates the risk of a merchant from the internet monopoly, realizes the real transparency and freedom of data, is convenient for the bank to accurately grasp the risk, provides guarantee for the mobile draft on the block chain, and ensures that the merchant signs up for receipt and transfer.
As shown in fig. 2, the enterprise cyber bank includes a company service module; the company service module consists of a signing unit, a replacing signing unit and a contracting relief unit, wherein the signing unit can provide signing authority for an applicant to perform signing operation of mobile money order service in the enterprise internet bank, the replacing signing unit can provide operation of changing a company signing account number for the applicant, the contracting relief unit can apply for contracting relief for the company, and the amount signed by an original manager after the contracting relief is completely invalid.
As shown in fig. 3, the enterprise cybercover further includes a sponsor service module; the sponsor service module is composed of a real-name authentication unit and a maintenance unit, wherein the real-name authentication unit can perform real-name authentication on a sponsor through a third-party APP, so that the sponsor becomes a sponsor of the real-name authentication, a sponsor private key is generated, authority for an applicant to inquire can be provided through the maintenance unit, and operations such as checking and deleting of entrusted sponsor operation are performed.
As shown in fig. 4, the enterprise internet bank further includes a money order service module; the money order service module is composed of an enterprise issuing unit, a signature authorization unit, a change manager unit and a money order query unit, wherein the enterprise issuing unit is used for issuing mobile money orders to a designated manager, signature authorization can be carried out on the ticket drawing and transferring actions of the manager through the signature authorization unit, the money orders which are signed and collected by a company in a money order pool can be authorized to be transferred or paid to the manager through the change manager unit, and the money order query unit is used for checking details of money order operation, bill records and fund flow in the company for a period of time.
As shown in fig. 5, the third party APP comprises a user management module; the user management module is composed of a user login unit, an account management unit and a password modification unit, wherein the user login unit can log in a user name and a login password of a user and can perform role switching in account management, the account management unit can enter an account management page to provide page operations of inquiring registration information and maintaining an account for the user, and the password modification unit can provide a password modification channel for the login user.
As shown in fig. 6, the third party APP further includes an authentication management module; the authentication management module is composed of a manager management unit and a role switching unit, wherein the manager management unit is used for carrying out real-name authentication on the user and obtaining the corresponding operation permission of the manager after becoming the manager of the real-name authentication, and the role switching unit can provide the permission for carrying out role switching operation in account management when the user has the roles of the individual user and the enterprise manager.
As shown in fig. 7, the third party APP further comprises a financial management module; the financial management module comprises a bank card binding unit, a ticket issuing and signing unit, an assignment and payment unit and a bill query unit, wherein the bank card binding unit can bind a bank card in account management, the ticket issuing and signing unit can provide code scanning interaction for payers and payers to finish the operation of issuing a bill and signing a receipt, the assignment and payment unit can assign the bill with assignment authority of a manager, and the bill query unit can provide details of operation of checking the bill, bill records and capital flow direction for the manager, the current bank and other banks.
As shown in fig. 8, the background management system includes a reconciliation platform, and the reconciliation of the reconciliation platform includes the following steps:
s01: counting the remittance bill which is taken as the bill drawing and is signed for receipt by the company and the remittance bill which is honored by the company, and generating a remittance bill;
s02: calling a core financial detail interface to obtain a bank end transaction record;
s03: comparing the draft in the intermediate state with the bank transaction record, and updating the draft state;
s04: comparing the bank transaction record with the platform transaction record, and inquiring whether the transaction records are consistent;
s05: if the comparison structures are consistent, the early warning reminding is not carried out, and if the comparison structures are inconsistent, the early warning reminding is carried out.
In step S03, the intermediate state of the draft is in the process of drawing out the draft and in the process of paying, and when the transaction fails, the draft state is rolled back, and when the transaction succeeds, the draft state is updated to be signed.
In the description herein, references to the description of "one embodiment," "an example," "a specific example" or the like are intended to mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.
Claims (9)
1. A bank draft business service system based on block chain technology comprises: enterprise internet bank, third party APP and backstage management system, its characterized in that:
the enterprise internet bank records and analyzes the data of companies, managers and money order services according to the existing multi-level authentication authorization mode of the managers, the recheckers and the authorizers, and marks user data conforming to the authorization mode;
the users of the third-party APP comprise three roles, namely a company manager, a local-line personal user and an other-line personal user, the company manager serves as a client of an applicant, and after registration and login, free switching is performed among the three roles according to different permission ranges of all roles and combined with operation permissions required by the users, so that different user permission operations are realized;
the background management system periodically counts the enterprise transaction information on the blockchain in a period of time, generates transaction details, compares the transaction details with the fund account change corresponding to the enterprise in the bank supervision system and the internal account change special for the bank, and judges whether the account changes are consistent or not.
2. The system according to claim 1, wherein the bank draft service system based on the block chain technology comprises: the enterprise online bank comprises a company service module;
the company service module consists of a signing unit, a replacing signing unit and a contracting relief unit, wherein the signing unit can provide signing authority for an applicant to perform signing operation of mobile money order service in enterprise online banking, the replacing signing unit can provide operation for changing a company signing account for the applicant, the contracting relief unit can apply for contracting relief for the company, and the amount signed by an original manager is completely invalid after contracting relief.
3. The system according to claim 1, wherein the bank draft service system based on the block chain technology comprises: the enterprise online bank also comprises a manager service module;
the sponsor service module is composed of a real-name authentication unit and a maintenance unit, wherein the real-name authentication unit can perform real-name authentication on a sponsor through a third-party APP, so that the sponsor becomes a sponsor of the real-name authentication, a sponsor private key is generated, authority for applicant query can be provided through the maintenance unit, and operations such as checking and deleting are performed on entrusted sponsor operation.
4. The system according to claim 1, wherein the bank draft service system based on the block chain technology comprises: the enterprise online bank also comprises a money order service module;
the money order service module is composed of an enterprise issuing unit, a signature authorization unit, a change manager unit and a money order query unit, wherein the enterprise issuing unit is used for issuing mobile money orders to an appointed manager, signature authorization can be carried out on the ticket drawing and transferring actions of the manager through the signature authorization unit, the money orders which are signed by a company in a money order pool can be authorized to be transferred or paid to the manager through the change manager unit, and the money order query unit is used for checking the money order operation, the bill record and the fund flow direction of the company within a period of time.
5. The system according to claim 1, wherein the bank draft service system based on the block chain technology comprises: the third party APP comprises a user management module;
the user management module is composed of a user login unit, an account management unit and a password modification unit, wherein the user login unit can log in a user name and a login password of a user and can perform role switching in account management, the account management unit can enter an account management page to provide page operations of inquiring registration information and maintaining an account for the user, and the password modification unit can provide a password modification channel for the login user.
6. The system according to claim 1, wherein the bank draft service system based on the block chain technology comprises: the third party APP also comprises an authentication management module;
the authentication management module is composed of a manager management unit and a role switching unit, wherein the manager management unit is used for carrying out real-name authentication on the user and obtaining the corresponding operation permission of the manager after becoming the manager of the real-name authentication, and the role switching unit can provide the permission for carrying out role switching operation in account management when the user has the roles of the individual user and the enterprise manager.
7. The system according to claim 1, wherein the bank draft service system based on the block chain technology comprises: the third party APP also comprises a financial management module;
the financial management module comprises a bank card binding unit, a bill drawing and signing unit, an assignment and payment unit and a bill query unit, wherein the bank card binding unit can bind a bank card in account management, the bill drawing and signing unit can provide code scanning interaction for payers and payers to complete bill drawing and signing operations, the assignment and payment unit can assign bills with assignment authority of the payers, and the bill query unit can provide bill checking operation, bill record and fund flow direction for the payers, the local personnel and the other personnel.
8. The system according to claim 1, wherein the bank draft service system based on the block chain technology comprises: the background management system comprises an account checking platform, and the account checking of the account checking platform comprises the following steps:
s01: counting the remittance bill which is taken as the bill drawing and is signed for receipt by the company and the remittance bill which is honored by the company, and generating a remittance bill;
s02: calling a core financial detail interface to obtain a bank end transaction record;
s03: comparing the draft in the intermediate state with the bank transaction record, and updating the draft state;
s04: comparing the bank transaction record with the platform transaction record, and inquiring whether the transaction records are consistent;
s05: if the comparison structures are consistent, the early warning reminding is not carried out, and if the comparison structures are inconsistent, the early warning reminding is carried out.
9. The system according to claim 8, wherein the bank draft service system based on the block chain technology comprises: in step S03, the intermediate state of the draft is in the process of drawing out the draft and in the process of paying, and when the transaction fails, the status of the draft is rolled back, and when the transaction succeeds, the status of the draft is updated to be signed for receipt.
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| CN202311129076.XA CN117114841A (en) | 2020-07-09 | 2020-07-09 | Background management system and bank draft business service system based on block chain technology |
| CN202010657427.4A CN111652719B (en) | 2020-07-09 | 2020-07-09 | Bank draft business service system based on blockchain technology |
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| CN113240507A (en) * | 2021-05-18 | 2021-08-10 | 绿漫科技有限公司 | Capital account compliance processing system and implementation method |
| CN114140122A (en) * | 2021-12-08 | 2022-03-04 | 工银科技有限公司 | Credit certificate transfer method and device |
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| CN111292072A (en) * | 2020-01-21 | 2020-06-16 | 俞少平 | Credit payment system based on value chain and block chain and working method thereof |
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| CN111899008A (en) * | 2020-09-17 | 2020-11-06 | 支付宝(杭州)信息技术有限公司 | Resource transfer method, device, equipment and system |
| CN113240507A (en) * | 2021-05-18 | 2021-08-10 | 绿漫科技有限公司 | Capital account compliance processing system and implementation method |
| CN113240507B (en) * | 2021-05-18 | 2022-07-05 | 绿漫科技有限公司 | Capital account compliance processing system and implementation method |
| CN114140122A (en) * | 2021-12-08 | 2022-03-04 | 工银科技有限公司 | Credit certificate transfer method and device |
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| CN117114841A (en) | 2023-11-24 |
| CN111652719B (en) | 2023-09-26 |
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