CN112232808B - Method and system for realizing financial subsidy fund management by using blockchain - Google Patents
Method and system for realizing financial subsidy fund management by using blockchain Download PDFInfo
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Abstract
The invention discloses a method for realizing the fund management of a political banking subsidy by using a block chain, which comprises the following steps: establishing a block chain account book, storing the content which needs to be identified in the administrative bank funds management process, and realizing the safe storage and whole-course mark-keeping of the administrative bank funds management information; establishing intelligent contracts, wherein the intelligent contracts comprise financial subsidization contract amount accumulation contracts, beneficiary information subsidization contracts, beneficiary repeated subsidization notification contracts and purchasing person information subsidization contracts, and automatically updating the intelligent contracts when the blockchain account book is updated; updating and reading the blockchain account book according to the subsidy funds release condition in the subsidy funds release process; different authorities are configured for related participants, so that the related participants monitor, monitor and view the blockchain account book and the intelligent contract information to which the related participants belong. The method and the system provided by the invention realize the data consistency of government departments and commercial banks and the timely and effective supervision of the subsidy funds distribution by the government departments.
Description
Technical Field
The invention relates to the technical field of fund management, in particular to a method and a system for realizing the fund management of a political banking subsidy by using a block chain.
Background
In the regional economic development process, the commercial bank is used as a main body of a financial system, combines the professional advantages and fund strength of the commercial bank in the financial field with the knowledge of local government departments on production operation, industrial and commercial tax and other information, provides accurate matched financial services for the local enterprises and public institutions, promotes the rapid development of social economy together, and realizes the win-win of multiple parties of the administrative enterprise. The cooperation mode mainly utilizes the data storage and data operation functions of the information system to linearize the administrative banking financial service line. For example, the invention patent of capital supervision method, system, terminal and storage medium of patent number CN109636251A applied by Shenzhen limited company in 2019, 04 and 16 provides a capital supervision method which aims to solve the technical problems that capital supervision service is operated off line and labor cost is high and improve the handling efficiency of the capital supervision service.
Under the existing administrative banking cooperation mode, the administrative banking fund supervision system only completes business on-line processing, the system between government departments, commercial banks and enterprises and public institutions is split, a single information island is formed, and as the data among all the participants are mutually independent, the consistency of the data is ensured through a series of complex mechanisms (such as reconciliation between every two systems); the supervision units can not monitor the whole transaction link, so that the situation that supervision is not in place sometimes happens.
Disclosure of Invention
The invention aims to solve the technical problem of providing a method and a system for realizing the management of subsidy funds of administrative bank by using a blockchain, and realizing the data consistency of government departments and commercial banks and the timely and effective supervision of the release of subsidy funds by the government departments by using a blockchain account book and an intelligent contract.
In a first aspect, the present invention provides a method for implementing payoff funds management using blockchain, comprising:
establishing a blockchain account book, storing the content which needs to be agreed in the process of managing the administrative banking funds, and realizing the safe storage and the whole-course marking of the administrative banking funds management information, wherein the blockchain account book comprises a financial subsidy contract account book, a financial subsidy issuing detail account book and a customer information account book;
Establishing intelligent contracts, wherein the intelligent contracts comprise financial subsidization contract amount accumulation contracts, beneficiary information subsidization contracts, beneficiary repeated subsidization notification contracts and purchasing person information subsidization contracts, and automatically updating the intelligent contracts when the blockchain account book is updated;
Updating and reading the blockchain account book according to the subsidy funds release condition in the subsidy funds release process;
different authorities are configured for related participants, so that the related participants monitor, monitor and view the blockchain account book and the intelligent contract information which the related participants belong to, and the related participants comprise financial departments, commercial banks, administrative public institutions, enterprises and the public.
Further, the financial subsidy treaty ledger includes: contract number, entrusting bank ID, entrusting bank account number, subsidy amount, issued amount, completion state and contract related treaty;
The financial subsidy distribution itemized ledger includes: detail ID, contract number, beneficiary ID, subsidy amount, and subsidy time;
the client information ledger is used for registering beneficiary information to form a subsidized client portrait, and the client information ledger comprises: customer ID, name, credential type, credential number, customer identification number, and banking institution affected.
Further, the financial subsidy contract amount accumulated contract is used for triggering automatic calculation of the financial subsidy issued amount, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account is automatically accumulated and calculated;
The beneficiary information completion contract is used for triggering information authority completion of the beneficiary, and automatically judging whether a client identification number exists in the client information account book after the beneficiary information is input; adding the mechanism triggering the beneficiary information completion contract to the affected mechanism number if the client identification number exists, and adding the beneficiary information to the client information ledger if the client identification number does not exist;
the repeated subsidy notification contract of the beneficiary is used for repeatedly subsidized warning notification of the same beneficiary in the current incomplete contract, judging the account number of the same beneficiary in the financial subsidized fine account book which is not the number of the contract and is in a non-completed state, and generating warning notification;
The purchasing person information completion contract is used for triggering the information completion of the purchasing person, after the purchasing person information is input, whether the client identification number exists in the client information account book is automatically judged, if the client identification number exists, a mechanism for triggering the purchasing person information completion contract is added to the affected mechanism number, and if the client identification number does not exist, the purchasing person information is added to the client information account book.
In one possible implementation manner, in the subsidy funds distribution process, updating and reading the blockchain ledger according to the subsidy funds distribution condition specifically includes:
acquiring subsidy issuing contracts signed by commercial banks and financial departments, and establishing financial subsidy contract accounts according to the subsidy issuing contracts;
Updating the financial subsidy contract ledger when the financial department reminds subsidy funds to the entrusted commercial bank account according to the subsidy issuing contract;
when the commercial bank performs subsidy funds batch distribution according to the subsidy distribution contract, updating the financial subsidy contract account book, newly creating a financial subsidy distribution open account book, triggering updating the financial subsidy contract amount accumulation contract, beneficiary information completion contract and beneficiary repeated subsidy notification contract.
In one possible implementation, different rights are configured for the relevant participants, including in particular:
The complete data query and check authority is configured for the 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 department, so that the administrative department can view the financial subsidy contract ledger and the financial subsidy release open ledger data;
configuring authority for the business bank to view the self-associated business data, so that the business bank has the authority to view beneficiary information influenced by the business bank, financial subsidy contract information transacted by the business bank and subsidy funds issuing details;
And (3) public data query and viewing rights are configured for enterprises and the public, so that the enterprises and the 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 payoff funds management using blockchain, comprising: the system comprises a blockchain account module, an intelligent contract module, a subsidy funds distribution module and a permission configuration module;
the block chain account book module is used for establishing a block chain account book, storing the content which needs to be identified in the administrative bank and funds management process, realizing the safe storage of the administrative bank and funds management information and the whole process trace, wherein the block chain account book comprises a financial subsidy contract account book, a financial subsidy issuing express account book and a client information account book;
The intelligent contract module is used for establishing intelligent contracts, wherein the intelligent contracts comprise financial subsidization contract amount accumulated contracts, beneficiary information subsidization contracts, beneficiary repeated subsidization notification contracts and purchasing person information subsidization contracts, and when the blockchain account book is updated, the intelligent contracts are automatically updated;
The subsidy funds release module is used for updating and reading the blockchain account book according to the subsidy funds release condition in the subsidy funds release process;
The authority configuration module is used for configuring different authorities for related participants, so that the related participants can monitor, monitor and view the blockchain account book and the intelligent contract information which the related participants belong to, and the related participants comprise financial departments, commercial banks, administrative public institutions, enterprises and the public society.
Further, the financial subsidy treaty ledger includes: contract number, entrusting bank ID, entrusting bank account number, subsidy amount, issued amount, completion state and contract related treaty;
The financial subsidy distribution itemized ledger includes: detail ID, contract number, beneficiary ID, subsidy amount, and subsidy time;
the client information ledger is used for registering beneficiary information to form a subsidized client portrait, and the client information ledger comprises: customer ID, name, credential type, credential number, customer identification number, and banking institution affected.
Further, the financial subsidy contract amount accumulated contract is used for triggering automatic calculation of the financial subsidy issued amount, 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 information authority completion of the beneficiary, and automatically judging whether a client identification number exists in the client information account book after the beneficiary information is input; adding the mechanism triggering the beneficiary information completion contract to the affected mechanism number if the client identification number exists, and adding the beneficiary information to the client information ledger if the client identification number does not exist;
the repeated subsidy notification contract of the beneficiary is used for repeatedly subsidized warning notification of the same beneficiary in the current incomplete contract, judging the account number of the same beneficiary in the financial subsidized fine account book which is not the number of the contract and is in a non-completed state, and generating warning notification;
The purchasing person information completion contract is used for triggering the information completion of the purchasing person, after the purchasing person information is input, whether the client identification number exists in the client information account book is automatically judged, if the client identification number exists, a mechanism for triggering the purchasing person information completion contract is added to the affected mechanism number, and if the client identification number does not exist, the purchasing person information is added to the client information account book.
Further, the subsidy funds distribution module specifically includes: the system comprises a subsidy contract establishment module, a subsidy contract updating module and a subsidy detail updating module;
The subsidy contract establishing module is used for acquiring subsidy issuing contracts signed by commercial banks and financial departments and establishing financial subsidy contract accounts according to the subsidy issuing contracts;
the subsidy contract updating module is used for updating the financial subsidy contract account book when the financial department transfers subsidy funds to the entrusted commercial bank account according to the subsidy issuing contract;
the subsidy detail updating module is used for updating the financial subsidy contract account book, creating a financial subsidy issuing detail account book, triggering updating the financial subsidy contract amount accumulation contract, beneficiary information subsidy contract and beneficiary repeated subsidy notification contract when the commercial bank performs subsidy funds 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 public institution configuration module, a commercial bank authority configuration module and an enterprise and social public authority configuration module;
The financial department permission configuration module is used for configuring complete data query and check permission for the financial department, so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issuing warning condition of beneficiaries;
the administrative department configuration module is used for configuring self-associated data viewing authority for the administrative department, so that the administrative department can view the data of the financial subsidy contract ledger and the financial subsidy issuing fine ledger;
The business bank authority configuration module is used for configuring authorities for viewing self-associated business data for the business bank, so that the business bank has the authority to view beneficiary information influenced by the business bank, financial subsidy contract information transacted by the business bank and subsidy funds issuing details;
The enterprise and social public authority configuration module is used for configuring public data query and check authority for the enterprise and the social public, so that the enterprise and the social public are authorized to check the execution condition of the financial subsidy contract.
One or more technical solutions provided in the embodiments of the present invention at least have the following technical effects or advantages:
1. the safe storage of the financial service information of the administrative bank is realized through the blockchain account book suitable for the financial bank funds management system, including financial subsidy contract account book, financial subsidy issuing express account book and customer information account book, and the financial bank funds management system cannot be tampered with;
2. By setting the blockchain intelligent contracts suitable for the administrative banking fund management system, including financial subsidy contract amount accumulation contracts, beneficiary information subsidy contracts, beneficiary repeated subsidy notification contracts and purchaser information subsidy contracts, the automatic processing of the administrative banking financial service is realized, and manual operation is reduced;
3. The financial banking fund management system based on the blockchain technology realizes the cash dispensing of benefit and people benefit and the transaction monitoring and supervision of the financial banking fund by using the blockchain, thereby ensuring the transparent disclosure of information and effectively protecting the privacy of clients.
The foregoing description is only an overview of the present invention, and is intended to be implemented in accordance with the teachings of the present invention in order that the same may be more clearly understood and to make the same and other objects, features and advantages of the present invention more readily apparent.
Drawings
The invention will be further described with reference to examples of embodiments with reference to the accompanying drawings.
FIG. 1 is a network architecture diagram of a system of the present invention;
FIG. 2 is a flow chart of a method according to a first embodiment of the invention;
FIG. 3 is a schematic diagram of a device according to a second embodiment of the present invention;
fig. 4 is a schematic diagram of a subsidy funds distribution flow according to a third embodiment of the invention.
Detailed Description
The technical scheme in the embodiment of the application has the following overall thought:
And uploading the government financial department subsidy fund issuing contract, the unit information and the client information of the administrative public institution, the financial products of the commercial bank and the data generated by the financial service to a government banking fund management alliance chain by using a blockchain technology, and forming a super ledger by using a consensus algorithm. The whole data of the whole blockchain is saved by all the participants of the blockchain, so that the aim of data sharing is achieved naturally. The regional chain account book can be added with new blocks after the agreement of all the participants is achieved, namely, the data synchronization is completed while the new blocks are generated, and the consistency of the data is not required to be ensured through account checking. The highest viewing authority is given to the supervision department through authority setting (user-role-authority model), so that the supervision department can supervise the whole transaction flow; for the information which can be disclosed, the inquiry and viewing rights can be opened to the public, so that the public can enjoy the right of knowledge and supervision of related work of government departments.
Before describing a specific embodiment, a network structure of the system according to the embodiment of the present application is described, as shown in fig. 1: in the block chain-based financial service process, the participants comprise financial departments, administrative institutions, commercial banks, enterprises and the public of society:
1. The financial department manages the subsidy contract through the administrative banking fund management system, inputs subsidy release detail information, finishes the money making of the subsidy fund, and monitors and supervises the subsidy contract and the subsidy release detail information;
2. the administrative public institution determines transaction information through the administrative banking fund management system and monitors and supervises the transaction information;
3. The commercial bank carries out subsidy contract management and uplink through a government bank fund management system, and carries out batch subsidy issuing and uplink, and related subsidy account book and contract information management;
4. The enterprises and the public check the execution condition of the financial subsidy contract through the administrative bank funds management system.
Example 1
The method for implementing the fund management of the political banking subsidy by using the blockchain in the embodiment can include the following steps as shown in fig. 2:
establishing a blockchain account book, storing the content which needs to be agreed in the process of managing the administrative banking funds, and realizing the safe storage and the whole-course marking of the administrative banking funds management information, wherein the blockchain account book comprises a financial subsidy contract account book, a financial subsidy issuing detail account book and a customer information account book;
Establishing intelligent contracts, wherein the intelligent contracts comprise financial subsidization contract amount accumulation contracts, beneficiary information subsidization contracts, beneficiary repeated subsidization notification contracts and purchasing person information subsidization contracts, and automatically updating the intelligent contracts when the blockchain account book is updated;
Updating and reading the blockchain account book according to the subsidy funds release condition in the subsidy funds release process;
different authorities are configured for related participants, so that the related participants monitor, monitor and view the blockchain account book and the intelligent contract information which the related participants belong to, and the related participants comprise financial departments, commercial banks, administrative public institutions, enterprises and the public.
The administrative bank funds management and the blockchain technology are combined, so that the participants related to the administrative bank funds management can share the data of the whole blockchain, the generation of information islands is prevented, the reconciliation of complex business systems is avoided, and the data sharing, the timely updating, the safe storage and the whole-course trace of the subsidy funds release are realized. By introducing intelligent contracts into the bank-banking funds management block chain, the financial subsidy funds distribution accumulation, beneficiary completion and other works are automatically completed, so that manual operation is effectively reduced, and the whole business processing flow is smoother. By setting different authorities for all participants of the alliance chain, different participants can smoothly finish supervision or transaction responsibilities of themselves in the administrative banking fund management system, and leakage of private information is effectively avoided.
In one possible implementation, the financial subsidy treaty ledger includes: contract number, entrusting bank ID, entrusting bank account number, subsidy amount, issued amount, completion state and contract related treaty;
The financial subsidy distribution itemized ledger includes: detail ID, contract number, beneficiary ID, subsidy amount, and subsidy time;
the client information ledger is used for registering beneficiary information to form a subsidized client portrait, and the client information ledger comprises: customer ID, name, credential type, credential number, customer identification number, and banking institution affected.
By arranging a blockchain account book suitable for a financial banking fund management system, including a financial subsidy contract account book, a financial subsidy issuing express account book and a customer information account book, the safe storage of the financial banking financial service information is realized, and the financial banking fund management system cannot be tampered with
The financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the financial subsidy issued amount, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account is automatically accumulated and calculated;
The beneficiary information completion contract is used for triggering information authority completion of the beneficiary, and automatically judging whether a client identification number exists in the client information account book after the beneficiary information is input; adding the mechanism triggering the beneficiary information completion contract to the affected mechanism number if the client identification number exists, and adding the beneficiary information to the client information ledger if the client identification number does not exist;
the repeated subsidy notification contract of the beneficiary is used for repeatedly subsidized warning notification of the same beneficiary in the current incomplete contract, judging the account number of the same beneficiary in the financial subsidized fine account book which is not the number of the contract and is in a non-completed state, and generating warning notification;
The purchasing person information completion contract is used for triggering the information completion of the purchasing person, after the purchasing person information is input, whether the client identification number exists in the client information account book is automatically judged, if the client identification number exists, a mechanism for triggering the purchasing person information completion contract is added to the affected mechanism number, and if the client identification number does not exist, the purchasing person information is added to the client information account book.
By setting the blockchain intelligent contracts suitable for the administrative banking fund management system, including financial subsidy contract amount accumulation contracts, beneficiary information subsidy contracts, beneficiary repeated subsidy notification contracts and purchaser information subsidy contracts, the automatic processing of the administrative banking financial service is realized, and manual operation is reduced.
In the subsidy funds release process, updating and reading the blockchain ledger according to the subsidy funds release condition, and specifically comprising the following steps:
acquiring subsidy issuing contracts signed by commercial banks and financial departments, and establishing financial subsidy contract accounts according to the subsidy issuing contracts;
Updating the financial subsidy contract ledger when the financial department reminds subsidy funds to the entrusted commercial bank account according to the subsidy issuing contract;
when the commercial bank performs subsidy funds batch distribution according to the subsidy distribution contract, updating the financial subsidy contract account book, newly creating a financial subsidy distribution open account book, triggering updating the financial subsidy contract amount accumulation contract, beneficiary information completion contract and beneficiary repeated subsidy notification contract.
Through the transaction process of the block-chain-based financial service, safe storage and whole-course trace of subsidy funds release are realized.
In one possible implementation, different rights are configured for the relevant participants, including in particular:
The complete data query and check authority is configured for the 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 department, so that the administrative department can view the financial subsidy contract ledger and the financial subsidy release open ledger data;
configuring authority for the business bank to view the self-associated business data, so that the business bank has the authority to view beneficiary information influenced by the business bank, financial subsidy contract information transacted by the business bank and subsidy funds issuing details;
And (3) public data query and viewing rights are configured for enterprises and the public, so that the enterprises and the public have the right to view the execution condition of the financial subsidy contract.
Different access rights are configured for each participant based on a right control mechanism of the blockchain, so that supervision or transaction responsibility of each participant in the administrative bank funds management system can be successfully completed, and leakage of private 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, and the details of the second embodiment are described in detail.
Example two
In this embodiment, a system for implementing the management of subsidy funds by using blockchain is provided, as shown in fig. 3, including: the system comprises a blockchain account module, an intelligent contract module, a subsidy funds distribution module and a permission configuration module;
the block chain account book module is used for establishing a block chain account book, storing the content which needs to be identified in the administrative bank and funds management process, realizing the safe storage of the administrative bank and funds management information and the whole process trace, wherein the block chain account book comprises a financial subsidy contract account book, a financial subsidy issuing express account book and a client information account book;
The intelligent contract module is used for establishing intelligent contracts, wherein the intelligent contracts comprise financial subsidization contract amount accumulated contracts, beneficiary information subsidization contracts, beneficiary repeated subsidization notification contracts and purchasing person information subsidization contracts, and when the blockchain account book is updated, the intelligent contracts are automatically updated;
The subsidy funds release module is used for updating and reading the blockchain account book according to the subsidy funds release condition in the subsidy funds release process;
The authority configuration module is used for configuring different authorities for related participants, so that the related participants can monitor, monitor and view the blockchain account book and the intelligent contract information which the related participants belong to, and the related participants comprise financial departments, commercial banks, administrative public institutions, enterprises and the public society.
In one possible implementation, the financial subsidy treaty ledger includes: contract number, entrusting bank ID, entrusting bank account number, subsidy amount, issued amount, completion state and contract related treaty;
The financial subsidy distribution itemized ledger includes: detail ID, contract number, beneficiary ID, subsidy amount, and subsidy time;
the client information ledger is used for registering beneficiary information to form a subsidized client portrait, and the client information ledger comprises: customer ID, name, credential type, credential number, customer identification number, and banking institution affected.
In one possible implementation manner, the financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the financial subsidy issued amount, and after the contract number and the subsidy amount are input, the accumulation amount of the financial subsidy contract ledger is automatically accumulated and calculated;
The beneficiary information completion contract is used for triggering information authority completion of the beneficiary, and automatically judging whether a client identification number exists in the client information account book after the beneficiary information is input; adding the mechanism triggering the beneficiary information completion contract to the affected mechanism number if the client identification number exists, and adding the beneficiary information to the client information ledger if the client identification number does not exist;
the repeated subsidy notification contract of the beneficiary is used for repeatedly subsidized warning notification of the same beneficiary in the current incomplete contract, judging the account number of the same beneficiary in the financial subsidized fine account book which is not the number of the contract and is in a non-completed state, and generating warning notification;
The purchasing person information completion contract is used for triggering the information completion of the purchasing person, after the purchasing person information is input, whether the client identification number exists in the client information account book is automatically judged, if the client identification number exists, a mechanism for triggering the purchasing person information completion contract is added to the affected mechanism number, and if the client identification number does not exist, the purchasing person information is added to the client information account book.
In one possible implementation manner, the subsidy funds distribution module specifically includes: the system comprises a subsidy contract establishment module, a subsidy contract updating module and a subsidy detail updating module;
The subsidy contract establishing module is used for acquiring subsidy issuing contracts signed by commercial banks and financial departments and establishing financial subsidy contract accounts according to the subsidy issuing contracts;
the subsidy contract updating module is used for updating the financial subsidy contract account book when the financial department transfers subsidy funds to the entrusted commercial bank account according to the subsidy issuing contract;
the subsidy detail updating module is used for updating the financial subsidy contract account book, creating a financial subsidy issuing detail account book, triggering updating the financial subsidy contract amount accumulation contract, beneficiary information subsidy contract and beneficiary repeated subsidy notification contract when the commercial bank performs subsidy funds batch issuing according to the subsidy issuing contract.
In one possible implementation manner, the permission configuration module specifically includes: the system comprises a financial department authority configuration module, an administrative public institution configuration module, a commercial bank authority configuration module and an enterprise and social public authority configuration module;
The financial department permission configuration module is used for configuring complete data query and check permission for the financial department, so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issuing warning condition of beneficiaries;
the administrative department configuration module is used for configuring self-associated data viewing authority for the administrative department, so that the administrative department can view the data of the financial subsidy contract ledger and the financial subsidy issuing fine ledger;
The business bank authority configuration module is used for configuring authorities for viewing self-associated business data for the business bank, so that the business bank has the authority to view beneficiary information influenced by the business bank, financial subsidy contract information transacted by the business bank and subsidy funds issuing details;
The enterprise and social public authority configuration module is used for configuring public data query and check authority for the enterprise and the social public, so that the enterprise and the social public are authorized to check the execution condition of the financial subsidy contract. .
Since the system described in the second embodiment of the present invention is a system for implementing the method in 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 modification of the system, and therefore, the description thereof is omitted herein. All systems used in the method according to the first embodiment of the present invention are within the scope of the present invention.
Example III
One embodiment of the invention:
1. the block chain account book suitable for the financial banking fund management system is designed, and comprises a financial subsidy contract account book, a financial subsidy issuing express account book and a customer information account book, so that the safe storage of the financial banking financial service information is realized, and the financial banking fund management system cannot be tampered with.
2. The blockchain intelligent contracts suitable for the administrative banking fund management system are designed, and comprise financial subsidy contract amount accumulation contracts, beneficiary information subsidy contracts, beneficiary repeated subsidy notification contracts and purchaser information subsidy contracts, so that automatic processing of the administrative banking financial service is realized, and manual operation is reduced.
3. The block chain technology-based financial banking and fund management system financial service transaction process is designed, and the block chain is utilized to realize the benefit enterprise benefit people benefit fund distribution and the financial banking and fund service transaction monitoring and supervision, so that the transparent disclosure of information is ensured, and the privacy of a client is effectively protected.
Block chain account book
And according to the requirements of the administrative banking fund supervision application, establishing a blockchain account book required by the administrative banking fund supervision, and storing the content required to be registered and identified in the whole business process, thereby realizing the safe storage of the administrative banking fund management information and the whole process mark. The administrative bank funds management information mainly comprises: financial subsidy contract ledgers, financial subsidy issuing express ledgers and customer information ledgers;
1. the financial subsidy contract ledger is used for recording that financial departments in a certain time area entrust certain commercial banks to conduct subsidy distribution. The ledger elements mainly include: contract number, entrusting bank ID (people's bank unified organization number), entrusting bank account number, subsidy amount, issued amount, completion status (signed, paid, issued, completed), relevant treaty of contract, etc.
2. And the financial subsidy issuing detail account book is used for recording subsidy amount detail information in the subsidy contract. The ledger elements mainly include: detail ID, contract number, beneficiary ID, subsidy amount, subsidy time.
3. The customer information account book is used for registering beneficiaries and buying information to form subsidized customer portraits. The ledger elements mainly include: customer ID, name, credential type, credential number, customer identification number (the customer identification number is represented by a hash value calculated using a chain address hashing algorithm using a "credential type + credential number + name" string), and the banking institution affected (only the bank to which the subsidy is issued has permission to view).
(II) Smart contracts
According to the requirements of the administrative bank funds management application, an intelligent contract required by the administrative bank funds management is established and is used for automatically executing preset operation under a certain specific condition, so that business handling is smoother and the transaction is more intelligent. The intelligent contract mainly comprises: financial subsidy contract amount accumulation contracts, beneficiary information subsidy contracts, beneficiary repeated subsidy notification contracts, and purchaser information subsidy contracts.
1. The financial subsidy contract amount accumulation contract is used for triggering automatic calculation of the financial subsidy issued amount, 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 the beneficiary, after the beneficiary information is input, the system automatically judges whether a client identification number exists in a client information account book, if the client identification number exists, a mechanism for triggering the beneficiary information completion contract is added to the affected mechanism number, and if the client identification number does not exist, the beneficiary information is added to the client information account book.
3. The beneficiary repeated subsidy notification contract is used for repeatedly subsidizing the warning notification to the same beneficiary in the current incomplete contract, judging the account number of the same beneficiary in the financial subsidizing bright fine account book which is not the number of the contract and is in a non-completed state, and generating the warning notification.
4. The system automatically judges whether a client identification number exists in a client information account book after the information of the purchasers is input, and adds a mechanism for triggering the contract for completing the information of the purchasers into the affected mechanism number if the client identification number exists; if the customer identification number does not exist, the purchaser information is added to the customer information ledger.
(III) network architecture
In the block chain-based financial service process, the participants include financial departments, administrative institutions, commercial banks, enterprises and the public society, please refer to the figure:
1. The financial department manages the subsidy contract through the administrative banking fund management system, inputs subsidy release detail information, finishes the money making of the subsidy fund, and monitors and supervises the subsidy contract and the subsidy release detail information.
2. The administrative public institution determines transaction information through the administrative banking and fund management system and monitors and supervises the transaction information.
3. And the commercial bank carries out subsidy contract management and uplink through the administrative bank and funds management system, and carries out batch subsidy issuing and uplink and management of related subsidy account books and contract information.
4. The enterprises and the public check the execution condition of the financial subsidy contract through the administrative bank funds management system.
(IV) Main body function
In the financial service process of managing the administrative bank funds, the system mainly comprises two functional modules, namely, a benefit enterprise benefit people subsidy funds release function and an administrative bank subsidy funds management monitor and supervision function.
1. Hui Qi benefit people's subsidy funds distribution
The benefit enterprise benefits the people and subsidies the fund and issues the module, mainly means to realize the function that the subsidy contract is signed between commercial bank and financial department, then carries on subsidy fund transfer through the fund clearing center, commercial bank issues the fund to the account of the payee according to the issuing detail, and then updates the state of the subsidy contract account book.
The subsidy funds dispensing transaction flow is further described with reference to the accompanying drawings, please refer to fig. 4, which is a flow chart of the subsidy funds dispensing transaction:
Step 1: the commercial bank signs a subsidy issuing contract with the financial department to establish a financial subsidy contract ledger (state: sign);
Step 2: the financial department reads financial subsidy contract ledger;
step 3: the financial department reminds the subsidized funds to the entrusted commercial bank account, and updates the financial subsidized contract ledger (state: paid);
Step 4: the commercial bank performs batch release of subsidy funds, updates a financial subsidy contract ledger (state: in release), newly builds a financial subsidy release ledger, and triggers a financial subsidy contract amount accumulation contract, a beneficiary information subsidy contract and a beneficiary repeated subsidy notification contract;
step 5: the commercial bank completes the subsidy distribution and updates the financial subsidy contract ledger (status: completed).
2. Management, monitoring and supervision of government and bank subsidy funds
The administrative bank subsidy fund management monitoring and supervising module enables related participants to supervise, monitor and view related information of the participants through the administrative bank fund management system by configuring different authorities, so that the transparency of information disclosure can be ensured, and the privacy of clients can be protected.
The relevant participants include: financial departments, commercial banks, administrative institutions, businesses, and the public.
The financial department can monitor the flow direction of financial subsidy funds and the repeated issuing warning condition of beneficiaries by configuring the financial department with complete data query and check authority of the whole blockchain.
By giving the business bank the authority to view the self-associated business data, the business bank can view the self-influenced beneficiary information, self-transacted financial subsidy contract information and subsidy funds issuing details.
By giving the administrative department own associated data viewing authority, the administrative department can view the data of financial subsidy contract information and subsidy funds issuing details.
The method has the advantages that the enterprise/social public can check the execution condition of the financial subsidy contract by giving the enterprise/social public data query checking authority.
The technical scheme provided by the embodiment of the application has at least the following technical effects or advantages: the safe storage of the financial service information of the administrative bank is realized through the blockchain account book suitable for the financial bank funds management system, including financial subsidy contract account book, financial subsidy issuing express account book and customer information account book, and the financial bank funds management system cannot be tampered with; by setting the blockchain intelligent contracts suitable for the administrative banking fund management system, including financial subsidy contract amount accumulation contracts, beneficiary information subsidy contracts, beneficiary repeated subsidy notification contracts and purchaser information subsidy contracts, the automatic processing of the administrative banking financial service is realized, and manual operation is reduced; the financial banking fund management system based on the blockchain technology realizes the cash dispensing of benefit and people benefit and the transaction monitoring and supervision of the financial banking fund by using the blockchain, thereby ensuring the transparent disclosure of information and effectively protecting the privacy of clients.
While specific embodiments of the invention have been described above, it will be appreciated by those skilled in the art that the specific embodiments described are illustrative only and not intended to limit the scope of the invention, and that equivalent modifications and variations of the invention in light of the spirit of the invention will be covered by the claims of the present invention.
Claims (6)
1. A method for realizing the fund management of a political banking subsidy by using a block chain is characterized by comprising the following steps: comprising the following steps:
establishing a blockchain account book, storing the content which needs to be agreed in the process of managing the administrative banking funds, and realizing the safe storage and the whole-course marking of the administrative banking funds management information, wherein the blockchain account book comprises a financial subsidy contract account book, a financial subsidy issuing detail account book and a customer information account book;
Wherein, financial subsidy contract ledger includes: contract number, entrusting bank ID, entrusting bank account number, subsidy amount, issued amount, completion state and contract related treaty;
The financial subsidy distribution itemized ledger includes: detail ID, contract number, beneficiary ID, subsidy amount, and subsidy time;
The client information ledger is used for registering beneficiary information to form a subsidized client portrait, and the client information ledger comprises: customer ID, name, credential type, credential number, customer identification number, and banking institution affected;
Establishing intelligent contracts, wherein the intelligent contracts comprise financial subsidization contract amount accumulation contracts, beneficiary information subsidization contracts, beneficiary repeated subsidization notification contracts and purchasing person information subsidization contracts, and automatically updating the intelligent contracts when the blockchain account book is updated;
The financial subsidy contract amount accumulated contract is used for triggering automatic calculation of the financial subsidy issued amount, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account is automatically accumulated and calculated;
The beneficiary information completion contract is used for triggering information authority completion of the beneficiary, and automatically judging whether a client identification number exists in the client information account book after the beneficiary information is input; adding the mechanism triggering the beneficiary information completion contract to the affected mechanism number if the client identification number exists, and adding the beneficiary information to the client information ledger if the client identification number does not exist;
the repeated subsidy notification contract of the beneficiary is used for repeatedly subsidized warning notification of the same beneficiary in the current incomplete contract, judging the account number of the same beneficiary in the financial subsidized fine account book which is not the number of the contract and is in a non-completed state, and generating warning notification;
The purchasing person information completion contract is used for triggering the information completion of the purchasing person, after the purchasing person information is input, whether the client identification number exists in the client information account book is automatically judged, if the client identification number exists, a mechanism for triggering the purchasing person information completion contract is added to the affected mechanism number, and if the client identification number does not exist, the purchasing person information is added to the client information account book;
Updating and reading the blockchain account book according to the subsidy funds release condition in the subsidy funds release process;
different authorities are configured for related participants, so that the related participants monitor, monitor and view the blockchain account book and the intelligent contract information which the related participants belong to, and the related participants comprise financial departments, commercial banks, administrative public institutions, enterprises and the public.
2. The method according to claim 1, characterized in that: in the subsidy funds release process, updating and reading the blockchain ledger according to the subsidy funds release condition, and specifically comprising the following steps:
acquiring subsidy issuing contracts signed by commercial banks and financial departments, and establishing financial subsidy contract accounts according to the subsidy issuing contracts;
Updating the financial subsidy contract ledger when the financial department reminds subsidy funds to the entrusted commercial bank account according to the subsidy issuing contract;
when the commercial bank performs subsidy funds batch distribution according to the subsidy distribution contract, updating the financial subsidy contract account book, newly creating a financial subsidy distribution open account book, triggering updating the financial subsidy contract amount accumulation contract, beneficiary information completion contract and beneficiary repeated subsidy notification contract.
3. The method according to claim 1, characterized in that: configuring different authorities for the relevant participants specifically comprises:
The complete data query and check authority is configured for the 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 an administrative department, so that an administrative department unit can view the data of the financial subsidy contract ledger and the financial subsidy release open ledger;
configuring authority for the business bank to view the self-associated business data, so that the business bank has the authority to view beneficiary information influenced by the business bank, financial subsidy contract information transacted by the business bank and subsidy funds issuing details;
And (3) public data query and viewing rights are configured for enterprises and the public, so that the enterprises and the public have the right to view the execution condition of the financial subsidy contract.
4. A system for realizing the fund management of political banking subsidy by using a block chain is characterized in that: comprising the following steps: the system comprises a blockchain account book module, an intelligent contract module, a subsidy funds distribution module and a permission configuration module;
the block chain account book module is used for establishing a block chain account book, storing the content which needs to be identified in the administrative bank and funds management process, realizing the safe storage of the administrative bank and funds management information and the whole process trace, wherein the block chain account book comprises a financial subsidy contract account book, a financial subsidy issuing express account book and a client information account book;
Wherein, financial subsidy contract ledger includes: contract number, entrusting bank ID, entrusting bank account number, subsidy amount, issued amount, completion state and contract related treaty;
The financial subsidy distribution itemized ledger includes: detail ID, contract number, beneficiary ID, subsidy amount, and subsidy time;
The client information ledger is used for registering beneficiary information to form a subsidized client portrait, and the client information ledger comprises: customer ID, name, credential type, credential number, customer identification number, and banking institution affected;
The intelligent contract module is used for establishing intelligent contracts, wherein the intelligent contracts comprise financial subsidization contract amount accumulated contracts, beneficiary information subsidization contracts, beneficiary repeated subsidization notification contracts and purchasing person information subsidization contracts, and when the blockchain account book is updated, the intelligent contracts are automatically updated;
The financial subsidy contract amount accumulated contract is used for triggering automatic calculation of the financial subsidy issued amount, and after the contract number and the subsidy amount are input, the accumulated amount of the financial subsidy contract account is automatically accumulated and calculated;
The beneficiary information completion contract is used for triggering information authority completion of the beneficiary, and automatically judging whether a client identification number exists in the client information account book after the beneficiary information is input; adding the mechanism triggering the beneficiary information completion contract to the affected mechanism number if the client identification number exists, and adding the beneficiary information to the client information ledger if the client identification number does not exist;
the repeated subsidy notification contract of the beneficiary is used for repeatedly subsidized warning notification of the same beneficiary in the current incomplete contract, judging the account number of the same beneficiary in the financial subsidized fine account book which is not the number of the contract and is in a non-completed state, and generating warning notification;
The purchasing person information completion contract is used for triggering the information completion of the purchasing person, after the purchasing person information is input, whether the client identification number exists in the client information account book is automatically judged, if the client identification number exists, a mechanism for triggering the purchasing person information completion contract is added to the affected mechanism number, and if the client identification number does not exist, the purchasing person information is added to the client information account book;
The subsidy funds release module is used for updating and reading the blockchain account book according to the subsidy funds release condition in the subsidy funds release process;
The authority configuration module is used for configuring different authorities for related participants, so that the related participants can monitor, monitor and view the blockchain account book and the intelligent contract information which the related participants belong to, and the related participants comprise financial departments, commercial banks, administrative public institutions, enterprises and the public society.
5. The system according to claim 4, wherein: the subsidy fund issuing module specifically comprises: the system comprises a subsidy contract establishment module, a subsidy contract updating module and a subsidy detail updating module;
The subsidy contract establishing module is used for acquiring subsidy issuing contracts signed by commercial banks and financial departments and establishing financial subsidy contract accounts according to the subsidy issuing contracts;
the subsidy contract updating module is used for updating the financial subsidy contract account book when the financial department transfers subsidy funds to the entrusted commercial bank account according to the subsidy issuing contract;
the subsidy detail updating module is used for updating the financial subsidy contract account book, creating a financial subsidy issuing detail account book, triggering updating the financial subsidy contract amount accumulation contract, beneficiary information subsidy contract and beneficiary repeated subsidy notification contract when the commercial bank performs subsidy funds batch issuing according to the subsidy issuing contract.
6. The system according to claim 4, wherein: the permission configuration module specifically comprises: the system comprises a financial department authority configuration module, an administrative public institution configuration module, a commercial bank authority configuration module and an enterprise and social public authority configuration module;
The financial department permission configuration module is used for configuring complete data query and check permission for the financial department, so that the financial department can monitor the flow direction of financial subsidy funds and the repeated issuing warning condition of beneficiaries;
The administrative department configuration module is used for configuring self-associated data viewing authority for the administrative department, so that an administrative department unit can view the data of the financial subsidy contract ledger and the financial subsidy issuing fine ledger;
The business bank authority configuration module is used for configuring authorities for viewing self-associated business data for the business bank, so that the business bank has the authority to view beneficiary information influenced by the business bank, financial subsidy contract information transacted by the business bank and subsidy funds issuing details;
The enterprise and social public authority configuration module is used for configuring public data query and check authority for the enterprise and the social public, so that the enterprise and the social public are authorized to check the execution condition of the financial subsidy contract.
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| CN114979171B (en) * | 2022-08-01 | 2022-11-01 | 北京微芯区块链与边缘计算研究院 | Government affair data sharing control method based on block chain intelligent contract |
| CN116051334A (en) * | 2022-12-23 | 2023-05-02 | 北京德生智通科技有限公司 | Financial subsidy directional use method and system based on digital RMB |
| CN115809873A (en) * | 2023-01-20 | 2023-03-17 | 北京中科江南信息技术股份有限公司 | Safe transaction method and system based on digital RMB |
| CN116596485A (en) * | 2023-07-17 | 2023-08-15 | 北京中科江南信息技术股份有限公司 | Funds reporting system and method based on intelligent contract |
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