CN112232808A - Method and system for realizing administrative bank subsidy fund management by using block chain - Google Patents

Method and system for realizing administrative bank subsidy fund management by using block chain Download PDF

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CN112232808A
CN112232808A CN202010988122.1A CN202010988122A CN112232808A CN 112232808 A CN112232808 A CN 112232808A CN 202010988122 A CN202010988122 A CN 202010988122A CN 112232808 A CN112232808 A CN 112232808A
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subsidy
contract
financial
information
account book
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CN112232808B (en
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马胜蓝
纪宠国
郭超年
陶然
王桐森
吴刚
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Fujian Province Rural Credit Cooperatives Association
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Fujian Province Rural Credit Cooperatives Association
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2141—Access rights, e.g. capability lists, access control lists, access tables, access matrices

Abstract

The invention discloses a method for realizing administrative bank subsidy fund management by using a block chain, which comprises the following steps: establishing a block chain account book, storing contents needing to be identified in the administrative bank fund management process, and realizing safe storage and whole-course trace retention of administrative bank fund management information; establishing an intelligent contract, wherein the intelligent contract comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a buyer information subsidy contract, and when the blockchain account book is updated, the intelligent contract is automatically updated; in the subsidy fund issuing process, updating and reading a block chain account book according to the subsidy fund issuing condition; configuring different authorities for related participants, and enabling the related participants to supervise, monitor and view the blockchain ledger and intelligent contract information to which the related participants belong. The method and the system provided by the invention realize the data consistency of the government departments and the commercial banks and the timely and effective supervision of the government departments on the subsidy fund release.

Description

Method and system for realizing administrative bank subsidy fund management by using block chain
Technical Field
The invention relates to the technical field of fund management, in particular to a method and a system for realizing fund management of administrative bank subsidies by using a block chain.
Background
The commercial bank serves as a main body of a financial system, in the regional economic development process, the professional advantages and the capital strength of the commercial bank in the financial field are utilized, and the knowledge of the information of enterprises and public institutions in the aspects of production, management, industrial and commercial tax and the like is combined with the knowledge of local government departments, so that accurate and matched financial services are provided for the local enterprises and public institutions, the rapid development of social economy is promoted, and the multi-party win-win of the bank, the enterprise and the local government is realized. The cooperation mode mainly utilizes the data storage and data operation functions of the information system to realize the online banking and financial integration service. For example, the invention patent capital supervision method, system, terminal and storage medium, which is applied by the science and technology (Shenzhen) Limited company in 2019 on 16.04.2019 and published with the number CN109636251A, provides a capital supervision method, which aims to solve the technical problems that capital supervision business is operated offline and labor cost is high, and improve handling efficiency of the capital supervision business.
Under the existing administrative bank cooperation mode, only business online processing is completed in an administrative bank fund supervision system, systems among government departments, commercial banks, enterprises and public institutions are split, and individual information islands are formed, and data among all participants are independent from one another, so that the data consistency is ensured through a series of complex mechanisms (such as reconciliation between every two systems); the supervision unit cannot monitor the whole transaction link, so that the situation of inadequate supervision sometimes occurs.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a method and a system for realizing the administrative bank subsidy fund management by using a block chain, and the method and the system realize the data consistency of a government department and a commercial bank and the timely and effective supervision of the government department on the issuance of subsidy fund by using a block chain account book and an intelligent contract.
In a first aspect, the present invention provides a method for implementing fund management of subsidy of government banking by using a blockchain, including:
establishing a blockchain account book, storing contents needing to be identified together in the administrative bank fund management process, and realizing safe storage and whole-course trace reservation of administrative bank fund management information, wherein the blockchain account book comprises an financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book;
establishing an intelligent contract, wherein the intelligent contract comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a buyer information subsidy contract, and when the blockchain account book is updated, the intelligent contract is automatically updated;
in the subsidy fund issuing process, updating and reading a block chain account book according to the subsidy fund issuing condition;
configuring different authorities for related participants, wherein the related participants comprise a financial department, a commercial bank, an administrative institution, an enterprise and the public in society, and enabling the related participants to supervise, monitor and view a blockchain account book and intelligent contract information to which the related participants belong.
Further, the financial subsidy contract ledger sheet includes: contract number, entrusted bank ID, entrusted bank account number, subsidy amount, issued amount, completion state and contract related treaty;
the financial subsidy issuing detailed account book comprises: detail ID, contract number, beneficiary ID, subsidy amount and subsidy time;
the customer information account book is used for registering beneficiary information and forming a subsidy customer portrait, and comprises: customer ID, name, certificate type, certificate number, customer identification number, and affected banking institution.
Further, the financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the released amount of the financial subsidy, and after a contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account book is automatically accumulated and calculated;
the beneficiary information completion contract is used for triggering the information authority completion of the beneficiary, and automatically judging whether a customer identification number exists in the customer information account book or not after the beneficiary information is input; if the customer identification number exists, adding the mechanism triggering the beneficiary information completion contract into the affected mechanism number, and if the customer identification number does not exist, adding the beneficiary information into a customer information account book;
the beneficiary repeated subsidy notification contract is used for judging the account number of the same beneficiary in the financial subsidy detailed account book which is not numbered by the contract and is in a non-completed state for the warning notification of the repeated subsidy of the same beneficiary in the current uncompleted contract to generate the warning notification;
the buyer information completion contract is used for triggering information completion of a buyer, automatically judging whether a customer identification number exists in the customer information account book after the buyer information is input, if so, adding a mechanism triggering the buyer information completion contract into the affected mechanism number, and if not, adding the buyer information into the customer information account book.
In a possible implementation manner, in the subsidy fund issuing process, updating and reading the blockchain ledger according to the subsidy fund issuing condition specifically includes:
acquiring a subsidy issuing contract signed by a commercial bank and a financial department, and establishing a financial subsidy contract account book according to the subsidy issuing contract;
when a financial department transfers subsidy funds to a entrusted commercial bank account according to the subsidy issuing contract, updating the financial subsidy contract account book;
when a commercial bank carries out subsidy fund batch issuing according to the subsidy issuing contract, updating the financial subsidy contract account book, creating a detailed financial subsidy issuing account book, and triggering and updating the financial subsidy contract sum accumulation contract, the beneficiary information subsidy contract and the beneficiary repeated subsidy notification contract.
In a possible implementation manner, configuring different permissions for related participants specifically includes:
configuring complete data query and viewing authority for a financial department, so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issuing warning condition of beneficiaries;
configuring self-associated data viewing authority for the administrative institution, so that the administrative institution can view the financial subsidy contract account book and the data of the detailed financial subsidy issuing statement account book;
configuring the authority for viewing self-associated service data for the commercial bank, so that the commercial bank has the authority to view self-influenced beneficiary information, self-transacted financial subsidy contract information and subsidy fund issuing details;
and public data inquiry and viewing permissions are configured for enterprises and social public, so that the enterprises and the social public have the right to view the execution condition of the financial subsidy contract.
In a second aspect, the present invention provides a system for implementing fund management of subsidy of government bank by using blockchain, comprising: the system comprises a block chain account module, an intelligent contract module, a subsidy fund issuing module and a permission configuration module;
the block chain account book module is used for establishing a block chain account book, storing contents needing to be identified together in the administrative bank fund management process, and realizing safe storage and whole-course trace reservation of administrative bank fund management information, wherein the block chain account book comprises a financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book;
the intelligent contract module is used for establishing an intelligent contract, the intelligent contract comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a buyer information subsidy contract, and when the block chain account book is updated, the intelligent contract is automatically updated;
the subsidy fund issuing module is used for updating and reading the block chain account book according to the issuing condition of the subsidy fund in the process of issuing the subsidy fund;
the authority configuration module is used for configuring different authorities for related participants, so that the related participants can supervise, monitor and check the block chain account book and the intelligent contract information to which the related participants belong, and the related participants comprise financial departments, commercial banks, administrative institutions, enterprises and the public society.
Further, the financial subsidy contract ledger sheet includes: contract number, entrusted bank ID, entrusted bank account number, subsidy amount, issued amount, completion state and contract related treaty;
the financial subsidy issuing detailed account book comprises: detail ID, contract number, beneficiary ID, subsidy amount and subsidy time;
the customer information account book is used for registering beneficiary information and forming a subsidy customer portrait, and comprises: customer ID, name, certificate type, certificate number, customer identification number, and affected banking institution.
Further, the financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the released amount of the financial subsidy, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract ledger is automatically accumulated and calculated;
the beneficiary information completion contract is used for triggering the information authority completion of the beneficiary, and automatically judging whether a customer identification number exists in the customer information account book or not after the beneficiary information is input; if the customer identification number exists, adding the mechanism triggering the beneficiary information completion contract into the affected mechanism number, and if the customer identification number does not exist, adding the beneficiary information into a customer information account book;
the beneficiary repeated subsidy notification contract is used for judging the account number of the same beneficiary in the financial subsidy detailed account book which is not numbered by the contract and is in a non-completed state for the warning notification of the repeated subsidy of the same beneficiary in the current uncompleted contract to generate the warning notification;
the buyer information completion contract is used for triggering information completion of a buyer, automatically judging whether a customer identification number exists in the customer information account book after the buyer information is input, if so, adding a mechanism triggering the buyer information completion contract into the affected mechanism number, and if not, adding the buyer information into the customer information account book.
Further, the subsidy fund issuing module specifically includes: the system comprises a subsidy contract establishing module, a subsidy contract updating module and a subsidy detail updating module;
the subsidy contract establishing module is used for acquiring a subsidy issuing contract signed by a commercial bank and a financial department and establishing a financial subsidy contract account book according to the subsidy issuing contract;
the subsidy contract updating module is used for updating the financial subsidy contract account book when the financial department transfers subsidy funds to a entrusted commercial bank account according to the subsidy issuing contract;
and the subsidy detail updating module is used for updating the financial subsidy contract ledger, creating a new financial subsidy issuing detailed ledger and triggering and updating the financial subsidy contract sum accumulation contract, the beneficiary information completion contract and the beneficiary repeated subsidy notification contract when the commercial bank performs subsidy fund batch issuing according to the subsidy issuing contract.
Further, the permission configuration module specifically includes: the system comprises a financial department authority configuration module, an administrative cause unit configuration module, a commercial bank authority configuration module and an enterprise and social public authority configuration module;
the system comprises a financial department authority configuration module, a financial department authority management module and a financial department management module, wherein the financial department authority configuration module is used for configuring complete data query and viewing authority for the financial department so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issued warning condition of beneficiaries;
the administrative institution configuration module is used for configuring self-associated data viewing permission for the administrative institution so that the administrative institution can view the financial subsidy contract account book and the data of the detailed financial subsidy issuing account book;
the commercial bank permission configuration module is used for configuring the permission for viewing the self-associated business data for the commercial bank, so that the commercial bank has the right to view the beneficiary information influenced by the commercial bank, the financial subsidy contract information transacted by the commercial bank and the subsidy fund issuing detail;
the enterprise and social public permission configuration module is used for configuring public data inquiry and viewing permission for the enterprise and the social public so that the enterprise and the social public have the right to view the execution condition of the financial subsidy contract.
One or more technical solutions provided in the embodiments of the present invention have at least the following technical effects or advantages:
1. safe storage and non-falsification of financial and financial integration service information are realized through a block chain account book suitable for a financial and banking fund management system, including a financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book;
2. by setting a block chain intelligent contract suitable for a financial bank fund management system, including a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a purchaser information subsidy contract, the automatic processing of the financial bank fund integration service is realized, and manual operation is reduced;
3. the block chain technology-based financial bank fund management system financial service transaction process realizes enterprise-benefiting and citizen-benefiting subsidy fund issuing and transaction monitoring and supervision of the financial bank fund fusion service by using the block chain, ensures the information to be open and transparent, and effectively protects the privacy of customers.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
FIG. 1 is a network architecture diagram of the system of the present invention;
FIG. 2 is a flow chart of a method according to one embodiment of the present invention;
FIG. 3 is a schematic structural diagram of an apparatus according to a second embodiment of the present invention;
fig. 4 is a schematic diagram of a subsidy fund issuing process in the third embodiment of the present invention.
Detailed Description
The technical scheme in the embodiment of the application has the following general idea:
and applying a blockchain technology, uploading the subsidy fund release contract of the government and financial department, the unit information and the client information of the administrative institution, and the data generated by financial products and financial services of the commercial bank to an administrative bank fund management union chain, and forming the super account book through a consensus algorithm. As all the participants of the block chain store the complete data of the whole block chain, the aim of data sharing is achieved naturally. The regional chain account book can be added with a new block after being agreed by all the participants, namely, the data synchronization is completed while the new block is generated, and the consistency of the data is not required to be ensured through account checking. Through the authority setting (user-role-authority model), the highest viewing authority is given to the supervision department, and then the supervision department can supervise the whole transaction flow; the public can also be inquired about viewing authority for the public, so that the public can enjoy the right to know and supervise the relevant work of government departments.
Before describing the specific embodiments, the network structure of the system according to the embodiment of the present application is described, as shown in fig. 1: in the financial and financial service process based on the block chain, the participating parties comprise a financial department, an administrative institution, a commercial bank, an enterprise and the public:
1. the financial department manages the subsidy contract through the administrative bank fund management system, records subsidy release detail information, completes the fund making of the subsidy fund, and monitors and supervises the subsidy contract and the subsidy release detail information;
2. the administrative institution determines transaction information through an administrative bank fund management system, and monitors and supervises the transaction information;
3. the commercial bank carries out subsidy contract management and chaining through the administrative bank fund management system, carries out batch subsidy issuing and chaining, and manages related subsidy accounts and contract information;
4. and the enterprise and the social public check the execution condition of the financial subsidy contract through the financial bank fund management system.
Example one
The embodiment provides a method for implementing administrative subsidy fund management by using a blockchain, as shown in fig. 2, which may include the following steps:
establishing a blockchain account book, storing contents needing to be identified together in the administrative bank fund management process, and realizing safe storage and whole-course trace reservation of administrative bank fund management information, wherein the blockchain account book comprises an financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book;
establishing an intelligent contract, wherein the intelligent contract comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a buyer information subsidy contract, and when the blockchain account book is updated, the intelligent contract is automatically updated;
in the subsidy fund issuing process, updating and reading a block chain account book according to the subsidy fund issuing condition;
configuring different authorities for related participants, wherein the related participants comprise a financial department, a commercial bank, an administrative institution, an enterprise and the public in society, and enabling the related participants to supervise, monitor and view a blockchain account book and intelligent contract information to which the related participants belong.
The bank administration fund management and the block chain technology are combined, so that related participants of the bank administration fund management can share data of the whole block chain, information islands are prevented from being generated, account checking of heavy locks among all business systems is avoided, and data sharing, timely updating, safe storage and whole-course trace retaining of subsidy fund release are realized. By introducing the intelligent contract into the administrative bank fund management block chain, the work of financial subsidy fund release accumulation, beneficiary completion and the like is automatically completed, manual operation is effectively reduced, and the whole business processing flow is smoother. By setting different authorities for each participant in the alliance chain, different participants can smoothly complete the supervision or transaction responsibility in the administrative bank fund management system, and the leakage of privacy information is effectively avoided.
In one possible implementation, the financial subsidy contract ledger includes: contract number, entrusted bank ID, entrusted bank account number, subsidy amount, issued amount, completion state and contract related treaty;
the financial subsidy issuing detailed account book comprises: detail ID, contract number, beneficiary ID, subsidy amount and subsidy time;
the customer information account book is used for registering beneficiary information and forming a subsidy customer portrait, and comprises: customer ID, name, certificate type, certificate number, customer identification number, and affected banking institution.
By setting a block chain account book suitable for a financial bank fund management system, including a financial subsidy contract account book, a financial subsidy issuing detail account book and a client information account book, the safe storage of financial bank and fund integration service information is realized, and the information cannot be tampered
The financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the released amount of the financial subsidy, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account book is automatically accumulated and calculated;
the beneficiary information completion contract is used for triggering the information authority completion of the beneficiary, and automatically judging whether a customer identification number exists in the customer information account book or not after the beneficiary information is input; if the customer identification number exists, adding the mechanism triggering the beneficiary information completion contract into the affected mechanism number, and if the customer identification number does not exist, adding the beneficiary information into a customer information account book;
the beneficiary repeated subsidy notification contract is used for judging the account number of the same beneficiary in the financial subsidy detailed account book which is not numbered by the contract and is in a non-completed state for the warning notification of the repeated subsidy of the same beneficiary in the current uncompleted contract to generate the warning notification;
the buyer information completion contract is used for triggering information completion of a buyer, automatically judging whether a customer identification number exists in the customer information account book after the buyer information is input, if so, adding a mechanism triggering the buyer information completion contract into the affected mechanism number, and if not, adding the buyer information into the customer information account book.
By setting a block chain intelligent contract suitable for the financial and banking fund management system, including a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a purchaser information subsidy contract, the automatic processing of the financial and banking fund integration service is realized, and the manual operation is reduced.
In the subsidy fund issuing process, updating and reading the block chain account book according to the subsidy fund issuing condition, which specifically comprises the following steps:
acquiring a subsidy issuing contract signed by a commercial bank and a financial department, and establishing a financial subsidy contract account book according to the subsidy issuing contract;
when a financial department transfers subsidy funds to a entrusted commercial bank account according to the subsidy issuing contract, updating the financial subsidy contract account book;
when a commercial bank carries out subsidy fund batch issuing according to the subsidy issuing contract, updating the financial subsidy contract account book, creating a detailed financial subsidy issuing account book, and triggering and updating the financial subsidy contract sum accumulation contract, the beneficiary information subsidy contract and the beneficiary repeated subsidy notification contract.
Through the transaction process of the financial and financial services based on the block chain, safe storage and whole-course trace retaining of subsidy fund release are realized.
In a possible implementation manner, configuring different permissions for related participants specifically includes:
configuring complete data query and viewing authority for a financial department, so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issuing warning condition of beneficiaries;
configuring self-associated data viewing authority for the administrative institution, so that the administrative institution can view the financial subsidy contract account book and the data of the detailed financial subsidy issuing statement account book;
configuring the authority for viewing self-associated service data for the commercial bank, so that the commercial bank has the authority to view self-influenced beneficiary information, self-transacted financial subsidy contract information and subsidy fund issuing details;
and public data inquiry and viewing permissions are configured for enterprises and social public, so that the enterprises and the social public have the right to view the execution condition of the financial subsidy contract.
The block chain-based authority control mechanism configures different access authorities for each participant, so that the participant can smoothly complete the supervision or transaction responsibility in the administrative bank fund management system, and the disclosure of privacy information can be effectively avoided.
Based on the same inventive concept, the application also provides a system corresponding to the method in the first embodiment, which is detailed in the second embodiment.
Example two
In this embodiment, a system for implementing fund management of subsidy of banking by using a blockchain is provided, as shown in fig. 3, including: the system comprises a block chain account module, an intelligent contract module, a subsidy fund issuing module and a permission configuration module;
the block chain account book module is used for establishing a block chain account book, storing contents needing to be identified together in the administrative bank fund management process, and realizing safe storage and whole-course trace reservation of administrative bank fund management information, wherein the block chain account book comprises a financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book;
the intelligent contract module is used for establishing an intelligent contract, the intelligent contract comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a buyer information subsidy contract, and when the block chain account book is updated, the intelligent contract is automatically updated;
the subsidy fund issuing module is used for updating and reading the block chain account book according to the issuing condition of the subsidy fund in the process of issuing the subsidy fund;
the authority configuration module is used for configuring different authorities for related participants, so that the related participants can supervise, monitor and check the block chain account book and the intelligent contract information to which the related participants belong, and the related participants comprise financial departments, commercial banks, administrative institutions, enterprises and the public society.
In one possible implementation, the financial subsidy contract ledger includes: contract number, entrusted bank ID, entrusted bank account number, subsidy amount, issued amount, completion state and contract related treaty;
the financial subsidy issuing detailed account book comprises: detail ID, contract number, beneficiary ID, subsidy amount and subsidy time;
the customer information account book is used for registering beneficiary information and forming a subsidy customer portrait, and comprises: customer ID, name, certificate type, certificate number, customer identification number, and affected banking institution.
In a possible implementation manner, the financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the released amount of the financial subsidy, and after a contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account book is automatically accumulated and calculated;
the beneficiary information completion contract is used for triggering the information authority completion of the beneficiary, and automatically judging whether a customer identification number exists in the customer information account book or not after the beneficiary information is input; if the customer identification number exists, adding the mechanism triggering the beneficiary information completion contract into the affected mechanism number, and if the customer identification number does not exist, adding the beneficiary information into a customer information account book;
the beneficiary repeated subsidy notification contract is used for judging the account number of the same beneficiary in the financial subsidy detailed account book which is not numbered by the contract and is in a non-completed state for the warning notification of the repeated subsidy of the same beneficiary in the current uncompleted contract to generate the warning notification;
the buyer information completion contract is used for triggering information completion of a buyer, automatically judging whether a customer identification number exists in the customer information account book after the buyer information is input, if so, adding a mechanism triggering the buyer information completion contract into the affected mechanism number, and if not, adding the buyer information into the customer information account book.
In a possible implementation manner, the subsidy funds release module specifically includes: the system comprises a subsidy contract establishing module, a subsidy contract updating module and a subsidy detail updating module;
the subsidy contract establishing module is used for acquiring a subsidy issuing contract signed by a commercial bank and a financial department and establishing a financial subsidy contract account book according to the subsidy issuing contract;
the subsidy contract updating module is used for updating the financial subsidy contract account book when the financial department transfers subsidy funds to a entrusted commercial bank account according to the subsidy issuing contract;
and the subsidy detail updating module is used for updating the financial subsidy contract ledger, creating a new financial subsidy issuing detailed ledger and triggering and updating the financial subsidy contract sum accumulation contract, the beneficiary information completion contract and the beneficiary repeated subsidy notification contract when the commercial bank performs subsidy fund batch issuing according to the subsidy issuing contract.
In a possible implementation manner, the permission configuration module specifically includes: the system comprises a financial department authority configuration module, an administrative cause unit configuration module, a commercial bank authority configuration module and an enterprise and social public authority configuration module;
the system comprises a financial department authority configuration module, a financial department authority management module and a financial department management module, wherein the financial department authority configuration module is used for configuring complete data query and viewing authority for the financial department so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issued warning condition of beneficiaries;
the administrative institution configuration module is used for configuring self-associated data viewing permission for the administrative institution so that the administrative institution can view the financial subsidy contract account book and the data of the detailed financial subsidy issuing account book;
the commercial bank permission configuration module is used for configuring the permission for viewing the self-associated business data for the commercial bank, so that the commercial bank has the right to view the beneficiary information influenced by the commercial bank, the financial subsidy contract information transacted by the commercial bank and the subsidy fund issuing detail;
the enterprise and social public permission configuration module is used for configuring public data inquiry and viewing permission for the enterprise and the social public so that the enterprise and the social public have the right to view the execution condition of the financial subsidy contract. .
Since the system described in the second embodiment of the present invention is a system used for implementing the method of the first embodiment of the present invention, based on the method described in the first embodiment of the present invention, a person skilled in the art can understand the specific structure and the deformation of the system, and thus the detailed description is omitted here. All systems adopted by the method of the first embodiment of the present invention are within the intended protection scope of the present invention.
EXAMPLE III
One embodiment of the present invention:
1. the block chain account book suitable for the financial and banking fund management system is designed, and comprises a financial subsidy contract account book, a financial subsidy issuing detail account book and a client information account book, so that the safe storage and the non-tampering of the financial and banking and financial integration service information are realized.
2. The intelligent block chain contract suitable for the financial bank fund management system is designed, and comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a purchaser information subsidy contract, so that the automatic processing of the financial bank fund integration service is realized, and the manual operation is reduced.
3. The block chain technology-based financial bank fund management system financial service transaction process is designed, enterprises and people benefiting subsidy fund issuing and financial bank fund integration service transaction monitoring and supervision are achieved through the block chain, information is guaranteed to be open and transparent, and privacy of customers is effectively protected.
Block chain account book
And establishing a block chain account book required by administrative bank fund supervision according to the requirements of the administrative bank fund supervision application, wherein the block chain account book is used for storing the contents required to be registered in the whole business process and need to be identified together, and realizing the safe storage and the whole trace retention of the administrative bank fund management information. The administrative bank fund management information mainly comprises: the financial subsidy contract account book, the financial subsidy issuing detailed account book and the client information account book;
1. the financial subsidy contract account book is used for recording that a regional financial department entrusts a certain commercial bank to carry out subsidy issuing at a certain time. The account book element mainly includes: contract number, entrusted bank ID (unified institution number of the people's bank), account number of the entrusted bank, subsidized amount, issued amount, completion status (signed, paid, issued, completed), contract related terms of the contract, etc.
2. And the financial subsidy issuing detailed account book is used for recording the detailed information of subsidy amount in the subsidy contract. The account book element mainly includes: detail ID, contract number, beneficiary ID, subsidy amount, and subsidy time.
3. The customer information account book is used for registering beneficiary and buyer information to form a subsidized customer portrait. The account book element mainly includes: the customer ID, name, certificate type, certificate number, customer identification number (the customer identification number is represented by a 'certificate type + certificate number + name' character string and a hash value calculated by applying a chain address hash algorithm), and the affected bank organization (only the bank related to the subsidy issuing has permission to view the subsidy).
(II) Intelligent contract
According to the requirement of the administrative bank fund management application, an intelligent contract required by the administrative bank fund management is established and used for automatically executing preset operation under a certain specific condition, so that the business transaction is smoother and the transaction is more intelligent. The intelligent contract mainly comprises: financial subsidy contract amount accumulation contract, beneficiary information subsidy contract, beneficiary repeat subsidy notification contract, and purchaser information subsidy contract.
1. The financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the released amount of the financial subsidy, and after the contract number and the subsidy amount are input, the system automatically accumulates and calculates the accumulated amount of the financial subsidy contract account book.
2. The beneficiary information completion contract is used for triggering information authority completion of beneficiaries, after beneficiary information is input, the system automatically judges whether a customer identification number exists in a customer information account book, if the customer identification number exists, a mechanism for triggering the beneficiary information completion contract is added into an affected mechanism number, and if the customer identification number does not exist, beneficiary information is added into the customer information account book.
3. The beneficiary repeated subsidy notification contract is used for judging the account number of the same beneficiary in the financial subsidy detailed account book which is not numbered in the contract and is in a non-completed state to generate a warning notification for the warning notification of the repeated subsidy of the same beneficiary in the current uncompleted contract.
4. The buyer information completion contract is used for triggering the information completion of the buyer, after the information of the buyer is input, the system automatically judges whether a customer identification number in a customer information account book exists, if so, a mechanism triggering the information completion contract of the buyer is added into the affected mechanism number; if the customer identification number does not exist, the purchaser information is added to the "customer information ledger".
(III) network architecture
In the banking and financing service process based on the block chain, the participating parties include the financial department, the administrative and public institution, the commercial bank, the enterprise and the public community, please refer to the following drawings:
1. and the financial department manages the subsidy contract through the administrative bank fund management system, inputs subsidy release detail information, completes the fund making of the subsidy fund and monitors and supervises the subsidy contract and the subsidy release detail information.
2. And the administrative institution determines the transaction information through the administrative bank fund management system and monitors and supervises the transaction information.
3. The commercial bank carries out subsidy contract management and chaining through the administrative bank fund management system, carries out batch subsidy issuing and chaining, and manages related subsidy accounts and contract information.
4. And the enterprise and the social public check the execution condition of the financial subsidy contract through the financial bank fund management system.
(IV) Main body function
In the financial service process of administrative bank fund management, the financial service process mainly comprises two functional modules of benefitting enterprises and benefiting people subsidy fund issuing and administrative bank subsidy fund management monitoring and supervision.
1. Hui qi Hui Min subsidy fund issuing
The module for issuing subsidy funds of benefit enterprise and benefit people mainly has the functions of signing subsidy contracts between commercial banks and financial departments, transferring the subsidy funds through a fund clearing center, issuing the funds into accounts of payers by the commercial banks according to issuing details and updating the state of the account books of the subsidy contracts.
The subsidy funds release transaction flow will be further described with reference to the drawings, referring to FIG. 4 for a subsidy funds release transaction flow diagram:
step 1: the commercial bank and the financial department sign a subsidy issuing contract and establish a financial subsidy contract account book (status: signing);
step 2: the financial department reads a financial subsidy contract account book;
and step 3: the financial department transfers subsidy funds to a entrusted commercial bank account, and updates a financial subsidy contract account book (status: made money);
and 4, step 4: the commercial bank carries out subsidy fund batch issuing, updates the financial subsidy contract account book (state: issuing), newly establishes a detailed financial subsidy issuing account book, and triggers a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract and a beneficiary repeated subsidy notification contract;
and 5: the commercial bank completes the subsidy issuance and updates the financial subsidy contract ledger (status: complete).
2. Administrative bank subsidy fund management monitoring and supervision
The administrative bank subsidy fund management monitoring and supervising module enables related participants to supervise, monitor and check the related information of the participants through the administrative bank fund management system by configuring different authorities, and can ensure that the information is open and transparent and protect the privacy of clients.
The relevant participants include: financial departments, commercial banks, administrative institutions, enterprises, and the public of society.
By configuring the complete data query and viewing authority of the whole block chain for the financial department, the financial department can monitor the flow direction of the financial subsidy fund and the repeated issuing warning condition of the beneficiary.
By giving the commercial bank the authority to view the self-associated business data, the commercial bank can view the beneficiary information influenced by the commercial bank, the 'financial subsidy contract information' handled by the commercial bank and the 'subsidy fund issuing detail'.
By giving the administrative institution with the data viewing authority, the administrative institution can view the data 'financial subsidy contract information' and 'subsidy fund release detail'.
By giving public data inquiry and viewing authority to enterprises/social public, the enterprises/social public can view the execution condition of the 'financial subsidy contract'.
The technical scheme provided in the embodiment of the application at least has the following technical effects or advantages: safe storage and non-falsification of financial and financial integration service information are realized through a block chain account book suitable for a financial and banking fund management system, including a financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book; by setting a block chain intelligent contract suitable for a financial bank fund management system, including a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a purchaser information subsidy contract, the automatic processing of the financial bank fund integration service is realized, and manual operation is reduced; the block chain technology-based financial bank fund management system financial service transaction process realizes enterprise-benefiting and citizen-benefiting subsidy fund issuing and transaction monitoring and supervision of the financial bank fund fusion service by using the block chain, ensures the information to be open and transparent, and effectively protects the privacy of customers.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.

Claims (10)

1. A method for realizing fund management of administrative bank subsidies by using a block chain is characterized by comprising the following steps: the method comprises the following steps:
establishing a blockchain account book, storing contents needing to be identified together in the administrative bank fund management process, and realizing safe storage and whole-course trace reservation of administrative bank fund management information, wherein the blockchain account book comprises an financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book;
establishing an intelligent contract, wherein the intelligent contract comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a buyer information subsidy contract, and when the blockchain account book is updated, the intelligent contract is automatically updated;
in the subsidy fund issuing process, updating and reading a block chain account book according to the subsidy fund issuing condition;
configuring different authorities for related participants, wherein the related participants comprise a financial department, a commercial bank, an administrative institution, an enterprise and the public in society, and enabling the related participants to supervise, monitor and view a blockchain account book and intelligent contract information to which the related participants belong.
2. The method of claim 1, wherein:
the financial subsidy contract ledger book includes: contract number, entrusted bank ID, entrusted bank account number, subsidy amount, issued amount, completion state and contract related treaty;
the financial subsidy issuing detailed account book comprises: detail ID, contract number, beneficiary ID, subsidy amount and subsidy time;
the customer information account book is used for registering beneficiary information and forming a subsidy customer portrait, and comprises: customer ID, name, certificate type, certificate number, customer identification number, and affected banking institution.
3. The method of claim 2, wherein:
the financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the released amount of the financial subsidy, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account book is automatically accumulated and calculated;
the beneficiary information completion contract is used for triggering the information authority completion of the beneficiary, and automatically judging whether a customer identification number exists in the customer information account book or not after the beneficiary information is input; if the customer identification number exists, adding the mechanism triggering the beneficiary information completion contract into the affected mechanism number, and if the customer identification number does not exist, adding the beneficiary information into a customer information account book;
the beneficiary repeated subsidy notification contract is used for judging the account number of the same beneficiary in the financial subsidy detailed account book which is not numbered by the contract and is in a non-completed state for the warning notification of the repeated subsidy of the same beneficiary in the current uncompleted contract to generate the warning notification;
the buyer information completion contract is used for triggering information completion of a buyer, automatically judging whether a customer identification number exists in the customer information account book after the buyer information is input, if so, adding a mechanism triggering the buyer information completion contract into the affected mechanism number, and if not, adding the buyer information into the customer information account book.
4. The method of claim 1, wherein: in the subsidy fund issuing process, updating and reading the block chain account book according to the subsidy fund issuing condition, which specifically comprises the following steps:
acquiring a subsidy issuing contract signed by a commercial bank and a financial department, and establishing a financial subsidy contract account book according to the subsidy issuing contract;
when a financial department transfers subsidy funds to a entrusted commercial bank account according to the subsidy issuing contract, updating the financial subsidy contract account book;
when a commercial bank carries out subsidy fund batch issuing according to the subsidy issuing contract, updating the financial subsidy contract account book, creating a detailed financial subsidy issuing account book, and triggering and updating the financial subsidy contract sum accumulation contract, the beneficiary information subsidy contract and the beneficiary repeated subsidy notification contract.
5. The method of claim 1, wherein: configuring different authorities for related participants, which specifically comprises the following steps:
configuring complete data query and viewing authority for a financial department, so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issuing warning condition of beneficiaries;
configuring self-associated data viewing authority for the administrative institution, so that the administrative institution can view the financial subsidy contract account book and the data of the detailed financial subsidy issuing statement account book;
configuring the authority for viewing self-associated service data for the commercial bank, so that the commercial bank has the authority to view self-influenced beneficiary information, self-transacted financial subsidy contract information and subsidy fund issuing details;
and public data inquiry and viewing permissions are configured for enterprises and social public, so that the enterprises and the social public have the right to view the execution condition of the financial subsidy contract.
6. A system for realizing administrative bank subsidy fund management by using a block chain is characterized in that: the method comprises the following steps: the system comprises a block chain account book module, an intelligent contract module, a subsidy fund issuing module and a permission configuration module;
the block chain account book module is used for establishing a block chain account book, storing contents needing to be identified together in the administrative bank fund management process, and realizing safe storage and whole-course trace reservation of administrative bank fund management information, wherein the block chain account book comprises a financial subsidy contract account book, a financial subsidy issuing detailed account book and a client information account book;
the intelligent contract module is used for establishing an intelligent contract, the intelligent contract comprises a financial subsidy contract sum accumulation contract, a beneficiary information subsidy contract, a beneficiary repeated subsidy notification contract and a buyer information subsidy contract, and when the block chain account book is updated, the intelligent contract is automatically updated;
the subsidy fund issuing module is used for updating and reading the block chain account book according to the issuing condition of the subsidy fund in the process of issuing the subsidy fund;
the authority configuration module is used for configuring different authorities for related participants, so that the related participants can supervise, monitor and check the block chain account book and the intelligent contract information to which the related participants belong, and the related participants comprise financial departments, commercial banks, administrative institutions, enterprises and the public society.
7. The system of claim 6, wherein:
the financial subsidy contract ledger book includes: contract number, entrusted bank ID, entrusted bank account number, subsidy amount, issued amount, completion state and contract related treaty;
the financial subsidy issuing detailed account book comprises: detail ID, contract number, beneficiary ID, subsidy amount and subsidy time;
the customer information account book is used for registering beneficiary information and forming a subsidy customer portrait, and comprises: customer ID, name, certificate type, certificate number, customer identification number, and affected banking institution.
8. The system of claim 6, wherein:
the financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the released amount of the financial subsidy, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account book is automatically accumulated and calculated;
the beneficiary information completion contract is used for triggering the information authority completion of the beneficiary, and automatically judging whether a customer identification number exists in the customer information account book or not after the beneficiary information is input; if the customer identification number exists, adding the mechanism triggering the beneficiary information completion contract into the affected mechanism number, and if the customer identification number does not exist, adding the beneficiary information into a customer information account book;
the beneficiary repeated subsidy notification contract is used for judging the account number of the same beneficiary in the financial subsidy detailed account book which is not numbered by the contract and is in a non-completed state for the warning notification of the repeated subsidy of the same beneficiary in the current uncompleted contract to generate the warning notification;
the buyer information completion contract is used for triggering information completion of a buyer, automatically judging whether a customer identification number exists in the customer information account book after the buyer information is input, if so, adding a mechanism triggering the buyer information completion contract into the affected mechanism number, and if not, adding the buyer information into the customer information account book.
9. The system of claim 6, wherein: the subsidy fund issuing module specifically comprises: the system comprises a subsidy contract establishing module, a subsidy contract updating module and a subsidy detail updating module;
the subsidy contract establishing module is used for acquiring a subsidy issuing contract signed by a commercial bank and a financial department and establishing a financial subsidy contract account book according to the subsidy issuing contract;
the subsidy contract updating module is used for updating the financial subsidy contract account book when the financial department transfers subsidy funds to a entrusted commercial bank account according to the subsidy issuing contract;
and the subsidy detail updating module is used for updating the financial subsidy contract ledger, creating a new financial subsidy issuing detailed ledger and triggering and updating the financial subsidy contract sum accumulation contract, the beneficiary information completion contract and the beneficiary repeated subsidy notification contract when the commercial bank performs subsidy fund batch issuing according to the subsidy issuing contract.
10. The system of claim 6, wherein: the permission configuration module specifically includes: the system comprises a financial department authority configuration module, an administrative cause unit configuration module, a commercial bank authority configuration module and an enterprise and social public authority configuration module;
the system comprises a financial department authority configuration module, a financial department authority management module and a financial department management module, wherein the financial department authority configuration module is used for configuring complete data query and viewing authority for the financial department so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issued warning condition of beneficiaries;
the administrative institution configuration module is used for configuring self-associated data viewing permission for the administrative institution so that the administrative institution can view the financial subsidy contract account book and the data of the detailed financial subsidy issuing account book;
the commercial bank permission configuration module is used for configuring the permission for viewing the self-associated business data for the commercial bank, so that the commercial bank has the right to view the beneficiary information influenced by the commercial bank, the financial subsidy contract information transacted by the commercial bank and the subsidy fund issuing detail;
the enterprise and social public permission configuration module is used for configuring public data inquiry and viewing permission for the enterprise and the social public so that the enterprise and the social public have the right to view the execution condition of the financial subsidy contract.
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