CN113420087A

CN113420087A - Asset query method and device based on block chain

Info

Publication number: CN113420087A
Application number: CN202110695653.6A
Authority: CN
Inventors: 黄洋; 胡培玥
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-06-22
Filing date: 2021-06-22
Publication date: 2021-09-21

Abstract

The disclosure provides an asset query method based on a block chain, which can be applied to the fields of block chains and finance or other technical fields. The asset query method based on the block chain comprises the following steps: establishing a block chain comprising at least two nodes, wherein each node comprises a main node and at least one sub-node, and each sub-node corresponds to a financial institution; collecting user asset data files of corresponding financial institutions through each sub-node; and signing the user asset data files through each sub-node, and sending the files containing all sub-node signatures to the main node to obtain the user total asset data. The present disclosure also provides a blockchain-based asset querying device, apparatus, storage medium, and program product. The user can query the total personal assets by one key through the method and the device disclosed by the invention, thereby greatly facilitating the management of the user on the personal assets.

Description

Asset query method and device based on block chain

Technical Field

The present disclosure relates to the field of blockchains and the field of finance, and in particular, to a method, apparatus, device, medium, and program product for asset query based on blockchains.

Background

With the development of economic society, the types and the number of financial institutions such as banks and third-party financial companies and third-party payment institutions are increasing. The users are more and more abundant in the aspect of controlling personal assets, and various asset management ways stimulate the economic circulation, improve the economic vitality, provide a reasonable competitive environment and promote the benign development of the economic society on the one hand.

On the other hand, the various mechanisms also lead to the assets of the users to be more and more complex in structure and more dispersed. Although each organization provides services such as total assets, total liabilities, monthly bills, annual bill inquiry and the like for users based on data of the own system, data among the organizations are not shared, and a unified platform is not provided for clients to see a total view of personal assets, so that the difficulty of managing the personal assets by the users is improved to a certain extent.

Disclosure of Invention

In view of the above, the present disclosure provides a method, an apparatus, a device, a medium, and a program product for block chain-based asset query that improve user asset query convenience, so as to at least partially solve the above technical problems.

According to a first aspect of the present disclosure, there is provided a method for asset query based on a block chain, including: establishing a block chain comprising at least two nodes, wherein each node comprises a main node and at least one sub-node, and each sub-node corresponds to a financial institution; collecting user asset data files of corresponding financial institutions through each sub-node; and signing the user asset data files through each sub-node, and sending the files containing all sub-node signatures to the main node to obtain the user total asset data.

According to an embodiment of the present disclosure, establishing a blockchain including at least two nodes includes: establishing a node comprising a storage unit; storing user registration information into a storage unit of a main node; and establishing a mapping relation between the user registration information and the ID of the user in each financial institution.

According to the embodiment of the disclosure, signing the user asset data file through each sub-node, and sending the file containing all sub-node signatures to the main node to obtain the user total asset data comprises: issuing a digital certificate to each sub-node through a main node; each financial institution respectively sends a file containing user asset data to the corresponding sub-node; each sub-node respectively signs each file by using a digital certificate; and sending the file containing all the sub-node signatures to the main node.

According to an embodiment of the present disclosure, a file includes: billing files and asset liability files; and collecting user transaction data through the bill file, and collecting user asset and liability data through the asset and liability file, wherein the user transaction data and the user asset and liability data jointly form user asset data or user total asset data.

According to an embodiment of the present disclosure, the billing file and the liability file include: a message header and a message body; and signing the file through the message header, and recording user transaction data or user asset and liability data through the message body.

According to an embodiment of the present disclosure, signing the user asset data file by each child node includes: sequencing and numbering each sub-node to obtain a first sub-node and a second sub-node which are adjacent in front and back; sequentially signing the files through the sorted sub-nodes, wherein the user asset data in the second sub-node is supplemented and signed on the basis of the signature file of the first sub-node; and sequentially supplementing the user asset data in other sub-nodes and signing until the file contains the signatures of all the sub-nodes.

According to an embodiment of the present disclosure, the asset query method based on the blockchain further includes: and each subnode respectively sends the user asset data file of the subnode to any other subnode for backup.

According to the embodiment of the disclosure, if the third subnode is abnormal, the other subnodes backed up with the third subnode file supplement the user asset data of the third subnode in the continuously signed file and sign.

According to an embodiment of the present disclosure, establishing a blockchain comprising at least two nodes further comprises: establishing a node comprising an executable program container; issuing a program update package to each sub-node through a main node; storing program modules embedded in the APP of each financial institution in an executable program container, and updating the program modules in each sub-node by using a program update package; and inquiring the total asset data of the user through the updated program module based on the mapping relation.

According to the embodiment of the disclosure, the financial institutions include banks and third-party fast payment institutions, and the collecting of the user asset data files of the corresponding financial institutions through the sub-nodes comprises: removing transfer data of the same user ID among financial institutions; and eliminating bank card transaction data in the third-party fast payment mechanism.

According to an embodiment of the present disclosure, a sub-node is isolated from an intranet of a financial institution.

According to an embodiment of the present disclosure, the asset query method based on the blockchain further includes: and issuing the user total asset data to each sub-node through the main node.

According to an embodiment of the present disclosure, the asset query method based on the blockchain further includes: and through the credit granting of the target user, allowing other users to inquire the user total asset data of the target user.

A second aspect of the present disclosure provides a block chain-based asset query apparatus, including: the system comprises a building module, a processing module and a processing module, wherein the building module is used for building a block chain comprising at least two nodes, each node comprises a main node and at least one sub-node, and each sub-node corresponds to a financial institution; the collection module is used for collecting the user asset data files of each financial institution through each sub-node; and the acquisition module is used for signing the user asset data files through each sub-node and sending the files containing all sub-node signatures to the main node to obtain the total user asset data.

According to an embodiment of the disclosure, the building module includes: a first establishing unit for establishing a node including a storage unit; the storage unit is used for storing the user registration information into the storage unit of the main node; and the second establishing unit is used for establishing the mapping relation between the user registration information and the ID of the user in each financial institution.

According to an embodiment of the present disclosure, the obtaining module includes: the issuing unit is used for issuing the digital certificate to each sub-node through the main node; the collection unit is used for realizing that each financial institution sends files containing user asset data to the corresponding sub-nodes respectively; the signature unit is used for realizing that each subnode respectively signs each file by using a digital certificate; and the summarizing unit is used for sending the file containing all the sub-node signatures to the main node.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the asset query method of any of the embodiments described above.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the asset query method of any of the above embodiments.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the asset query method of any of the embodiments described above.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a blockchain-based asset query method according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow diagram of a blockchain-based asset query method according to an embodiment of the present disclosure;

fig. 3 schematically illustrates a block chain establishment method flow diagram according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a node network structure diagram according to an embodiment of the disclosure;

FIG. 5 schematically illustrates a total asset query results graph according to an embodiment of the disclosure;

FIG. 6 schematically illustrates a flow chart of a user asset data signing method according to an embodiment of the present disclosure;

FIG. 7 schematically illustrates a file data structure diagram according to an embodiment of the disclosure;

FIG. 8 is a block diagram schematically illustrating an architecture of a blockchain-based asset querying device, according to an embodiment of the present disclosure;

FIG. 9 schematically shows a block diagram of a construction module according to an embodiment of the present disclosure;

FIG. 10 schematically shows a block diagram of an acquisition module according to an embodiment of the disclosure; and

FIG. 11 schematically illustrates a block diagram of an electronic device suitable for implementing a blockchain-based asset query method in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

The disclosed embodiments provide a block chain-based asset query method, apparatus, device, medium, and program product, which may be used in the financial field or other fields. It should be noted that the method, device, apparatus, medium and program product for querying assets based on block chains according to the present disclosure may be applied to the financial field, and may also be applied to any field other than the financial field.

In the technical scheme of the disclosure, the acquisition, storage, application and the like of the personal information of the related user all accord with the regulations of related laws and regulations, necessary security measures are taken, and the customs of the public order is not violated.

Fig. 1 schematically illustrates an application scenario diagram of a block chain-based asset query method according to an embodiment of the present disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the method for querying assets based on a blockchain provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the blockchain-based asset querying device provided by the embodiment of the present disclosure may be generally disposed in the server 105. The method for querying assets based on a blockchain provided by the embodiment of the present disclosure may also be performed by a server or a server cluster which is different from the server 105 and can communicate with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the asset query device based on the block chain provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The asset query method based on the blockchain of the disclosed embodiment will be described in detail through fig. 2 to 6 based on the scenario described in fig. 1.

FIG. 2 schematically illustrates a flow diagram of a blockchain-based asset query method according to an embodiment of the present disclosure.

As shown in fig. 2, an embodiment of the present disclosure provides a method for querying an asset based on a blockchain, including:

s210, establishing a block chain comprising at least two nodes, wherein the nodes comprise a main node and at least one sub-node, and each sub-node corresponds to a financial institution.

And S220, collecting the user asset data files of each financial institution through each sub-node.

And S230, signing the user asset data file through each sub-node, and sending the file containing all sub-node signatures to the main node to obtain the user total asset data.

According to the embodiment of the disclosure, the block chain comprising a plurality of nodes is established, and each financial institution corresponds to one node respectively, so that the asset data of the user dispersed in each financial institution can be summarized to one main node, the user can inquire the total asset data of the user by one key, the user can know the personal financial condition in time conveniently, and the user can manage the personal asset greatly.

Fig. 3 schematically shows a flow chart of a block chain establishment method according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, as shown in fig. 3, a block chain including at least two nodes is established, for example, by operations S2101 to S2103.

S2101, a node including a storage unit is established.

Fig. 4 schematically shows a node network structure diagram according to an embodiment of the disclosure.

According to the embodiment of the disclosure, a user can register information in a plurality of financial institutions to obtain corresponding services, for example, at least one bank card is in each of a plurality of banks and accounts are registered in a plurality of third-party payment institutions. A plurality of nodes including the storage unit may be established, wherein the nodes include, for example, a master node and a sub-node as shown in fig. 4. Each sub-node corresponds to a financial institution, for example, each sub-node corresponds to a bank or a third-party payment institution. Each sub-node is isolated from the internal network of each mechanism, and the operation of the system is not influenced even if a certain mechanism is shut down and upgraded. The intranet of each organization may be connected to each corresponding sub-node through a front-end server, for example, to communicate data or files in the intranet to each sub-node in the extranet.

S2102, the user registration information is stored in the storage unit of the master node.

FIG. 5 schematically shows a total asset query results graph according to an embodiment of the disclosure.

According to embodiments of the present disclosure, for example, a "my finance" applet may be developed that is embedded on the APPs of all financial institutions participating in the present blockchain-based asset query project, and what may be seen on each APP may be an applet of the same UI. As shown in fig. 5, the applet may provide, for example, a customer total liability query function, a customer monthly total cost query function, and asset transition graph, monthly expense graph, etc. functions up to the previous day. The user's income items include, for example, wages, investment earnings, other person's income, and the like. Because the investment earnings are various and difficult to model and count, the system counts the expenses of customers and the income can be reflected by the change of total assets.

According to the embodiment of the disclosure, each node includes, for example, a container of an executable program, and the master node may issue a program update package to each sub-node, and may be configured to update the embedded "my finance" applet in each financial institution APP in synchronization, so that a user may enjoy the same asset query service regardless of which financial institution the user registers user information in, and meanwhile, the consistency of the user total asset data acquired by each financial institution is also ensured, that is, after updating the "my finance" applet by the program update package, the user may query accurate user total asset data by registering a unified account of the system on any financial institution APP participating in the project.

Specifically, the user may register an account through the applet to obtain the above query service, and the registration information of the user may also be stored in the storage unit of the host node and may also be stored inside each financial institution for the system to identify the user. The user may be registered with a real name using an identity card, such as an identity card, passport, military officer's license, driver's license, etc., in the APP applet of any financial institution participating in the project. If a spouse or other family member also registers with the system and is authorized to establish a family member mutual trust relationship, for example by "face recognition" or the like, the assets and expenses of the spouse or the like may be queried and used to consolidate the family assets and expenses. The mutual trust between family members can be realized by providing a trust function in a portlet, for example, one party applies for the mutual trust and is authenticated by face brushing, and the other party confirms the mutual trust and is authenticated by face brushing. The system records the credit relationship, and then the financial data of the other side can be inquired. Particularly, through the small program of 'my finance', a user can conveniently inquire the total personal asset data on APP of various financial institutions or various instant chat tools participating in the project, and the method is simple, convenient and quick. Furthermore, through mutual trust between family members, the financial condition of the whole family can be easily known, and the management of the total assets of the family is convenient.

S2103, establishing a mapping relation between the user registration information and the ID of the user in each financial institution.

According to the embodiment of the disclosure, since the user has the same or different user IDs in different financial institutions, a new billing system ID can also be created in the system by using, for example, the user identification number, so that the user ID stored in each financial institution and the user ID in the billing system can be mapped to establish a mapping relationship therebetween, which is convenient for performing a one-time unified query by using a unified account of the system, i.e., the user ID in the billing system, after the user asset data in each financial institution is collected into the system.

FIG. 6 schematically illustrates a flow chart of a user asset data signing method according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, as shown in fig. 6, the user asset data file is signed, for example, through operations S2301 to S2304.

S2301, issuing a digital certificate to each child node through the master node.

According to the embodiment of the disclosure, the master node may issue a digital certificate to each subnode, and the digital certificate is used for each subnode to sign the transmitted file to prove the source of the related asset data and mark the data file, so as to ensure that the asset data is not missed or repeated.

And S2302, each financial institution transmits the file containing the user asset data to the corresponding sub-node.

FIG. 7 schematically shows a file data structure diagram according to an embodiment of the disclosure.

According to the embodiment of the disclosure, each financial institution acquires the daily asset liability data and the accounting expenditure data of the registered user in the respective institution, generates a file, and transmits the file to the block chain subnode corresponding to the institution, for example, at the appointed time (for example, 22 o' clock) every night. As shown in fig. 7, the contents of the file include, for example: billing files and liability files. The billing file and the balance file are filled in the form of a message header and a message body. User transaction data may be collected via a billing file and user asset and liability data may be collected via a liability file, the user transaction data and the user asset and liability data together comprising user asset data or user total asset data. The file can be signed by the message header, and the user transaction data or the user asset and liability data can be recorded by the message body. The uniform file format is convenient for information interaction among different financial institutions, and the information processing efficiency among different financial institutions is improved. In order to improve data security, each financial institution may encrypt the generated file to obtain an encrypted file, and then sign the encrypted file.

According to the embodiment of the disclosure, users often transfer money between a plurality of bank cards under the same user name and between the plurality of bank cards and a plurality of third-party payment mechanisms according to daily life needs, but the money transfer behavior has no change on the expenditure and income of the users, namely, the total amount of assets of the users is not changed, but transactions are actually generated among the financial mechanisms, so that when the total asset data of the users are counted, special data which have no influence on the income and expenditure of the users are required to be removed. For example, the transfer records of the same user in the system are removed from the data uploaded by each financial institution. The cross-institution principal transfer filtering method comprises the following steps: when updating daily account bill data, each subnode finds that the transaction type is 'transfer', meanwhile, the borrowing direction is one borrowing and one lending with equal amount, and when the customer IDs are consistent, the transfer record data which are counted are removed. In addition, the third-party quick payment mechanism does not collect the generation details of the bank card, only collects the generation details of the user account in the third-party quick payment mechanism, avoids repeated recording and improves the accuracy of the user total asset data.

S2303, each child node signs each file with a digital certificate.

According to the embodiment of the disclosure, for example, the respective partial nodes are sorted first, and the sequence numbers are from 1 to N. The ordered transmission mode of the file can be, for example: and after the sub-node 1 processes the signature, the data file of the financial institution user corresponding to the sub-node is transmitted to the sub-node 2, the sub-node 2 supplements the data information of the financial institution user corresponding to the sub-node 2 on the basis, and updates the asset summary information currently acquired by the user. And the sub-node 2 continues to transmit the signature to the sub-node 3 after signing, and supplements the user asset information of the financial institution corresponding to the sub-node 3, and so on until the Nth sub-node finishes the asset information summarization of all the users, namely the total asset data of the users. Each sub-node performs data supplement and signature on the file according to a certain sequence, so that repeated processing on the data is avoided, and the efficiency of data summarization and the accuracy of the data are improved.

According to the embodiment of the disclosure, all financial institutions participating in the project are in the same blockchain, so that each node can send the file of the node to any other node, for example, any two other nodes, for example, the subnode 3 sends the file of itself to the subnode 5 and the subnode 10 for backing up the file of the subnode 3. When a certain node state is abnormal (such as the sub-node 3), namely the sub-node 2 fails to handshake with the sub-node 3, the system directly skips the sub-node 3 and transmits the file to the sub-node 4. When the sub-node 5 processes the file, the signatures of the sub-node 1, the sub-node 2 and the sub-node 4 are found, but the signature of the sub-node 3 is not found, and the file backup of the sub-node 3 is carried out, so that the file of the sub-node 3 can be processed in a supplementary mode. The file is digitally signed by each financial institution, so that the uniqueness and credibility of the data are ensured, and the safety degree of the data information is improved. Through the backup of the files of the sub-nodes, some sudden situations, such as sudden response loss of a certain node and temporary problems possibly occurring in the internal network of each financial institution, can be treated in an emergency, and the accuracy of the total asset data of the user is further improved.

S2304, the file containing all the sub-node signatures is sent to the main node.

According to the embodiment of the disclosure, when a certain subnode checks that the signatures of the subnode 1 to the subnode N are full, the message of completion of processing is pushed to the master node. The master node then publishes the user's current day asset data to the various child nodes, for example, using the Gossip protocol. Meanwhile, the main node also updates the asset data to the main storage unit, and is used for supporting functions of customer asset graph, month and year summary and the like. Each child node may, for example, primarily store the user's aggregated asset data for the current day.

According to the embodiment of the disclosure, the user total asset data can be published to each sub-node through the main node. Because each sub-node carries out one-to-one corresponding digital signature on the file, and then the unified main node issues the user total asset data to each sub-node, the traceability and the irreparable modification of the user total asset data are also ensured, the information safety degree is improved, the asset change and the transaction behavior of the user are also conveniently supervised, and a foundation is laid for fighting against various economic crimes.

In summary, the present disclosure provides an asset query method based on a blockchain, in which, by establishing a blockchain including a plurality of nodes, asset data of the same user in different financial institutions corresponding to different sub-nodes is summarized and stored in a main storage unit of a main node, and specifically, by querying a small "my finance" program embedded in APPs of the financial institutions, total asset data of the user is queried, so that the user can query the total asset condition of an individual by one key, and thus, management of the user on personal assets is greatly facilitated.

Based on the asset query method based on the block chain, the disclosure also provides an asset query device based on the block chain. The apparatus will be described in detail below with reference to fig. 8.

Fig. 8 schematically shows a block diagram of a block chain-based asset querying device according to an embodiment of the present disclosure.

As shown in fig. 8, the block chain-based asset query device 800 of this embodiment includes, for example, a construction module 810, a collection module 820, and an acquisition module 830.

The building module 810 is configured to build a block chain including at least two nodes, where the nodes include a master node and at least one sub-node, and each sub-node corresponds to a financial institution. In an embodiment, the building module 810 may be configured to perform the operation S210 described above, which is not described herein again.

The collection module 820 is used to collect user asset data files of each financial institution via each sub-node. In an embodiment, the collecting module 820 may be configured to perform the operation S220 described above, which is not described herein again.

The obtaining module 830 is configured to sign the user asset data file through each sub-node, and send the file including the signatures of all the sub-nodes to the host node, so as to obtain the total user asset data. In an embodiment, the obtaining module 830 may be configured to perform the operation S230 described above, and is not described herein again.

Figure 9 schematically shows a block diagram of a building module structure according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, as shown in fig. 9, a building module 810 of the embodiment includes, for example, a first building unit 8101, a storage unit 8102, and a second building unit 8103.

The first establishing unit 8101 is used for establishing a node including a storage unit. In an embodiment, the first establishing unit 8101 may be configured to perform the operation S2101 described above, which is not described herein again.

The storage unit 8102 is used for storing the user registration information in the storage unit of the master node. In an embodiment, the storage unit 8102 may be configured to perform the operation S2102 described above, which is not described herein again.

The second establishing unit 8103 is configured to establish a mapping relationship between the user registration information and the ID of the user in each financial institution. In an embodiment, the second establishing unit 8103 may be configured to perform the operation S2103 described above, which is not described herein again.

Fig. 10 schematically shows a block diagram of an acquisition module according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, as shown in fig. 10, the obtaining module 830 of this embodiment includes a publishing unit 8301, a collecting unit 8302, a signing unit 8303 and a summarizing unit 8304.

The issuing unit 8301 is used for issuing the digital certificate to each subnode through the master node. In an embodiment, the issue unit 8301 may be configured to perform the operation S2301 described above, which is not described herein again.

The collection unit 8302 is configured to enable each financial institution to send a file containing user asset data to the corresponding sub-node. In an embodiment, the collecting unit 8302 may be configured to perform the operation S2302 described above, which is not described herein again.

The signature unit 8303 is configured to enable each child node to sign each file by using a digital certificate. In an embodiment, the signature unit 8303 may be configured to perform the operation S2303 described above, which is not described herein again.

The summarization unit 8304 is used to send the file containing all the sub-node signatures to the master node. In an embodiment, the summarizing unit 8304 may be configured to perform the operation S2304 described above, which is not described herein again.

According to the embodiment of the present disclosure, any plurality of the building module 810, the collecting module 820 and the obtaining module 830 may be combined into one module to be implemented, or any one of the modules may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the building module 810, the collecting module 820 and the obtaining module 830 may be implemented at least partially as a hardware circuit, for example, a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware such as any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementation manners of software, hardware and firmware, or an appropriate combination of any several of them. Alternatively, at least one of the building module 810, the collecting module 820 and the obtaining module 830 may be at least partially implemented as a computer program module, which when executed may perform the respective functions.

As shown in fig. 11, an electronic device 1100 according to an embodiment of the present disclosure includes a processor 1101, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1102 or a program loaded from a storage section 1108 into a Random Access Memory (RAM) 1103. The processor 1101 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. The processor 1101 may also include on-board memory for caching purposes. The processor 1101 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to the embodiments of the present disclosure.

In the RAM1103, various programs and data necessary for the operation of the electronic device 1100 are stored. The processor 1101, the ROM 1102, and the RAM1103 are connected to each other by a bus 1104. The processor 1101 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 1102 and/or the RAM 1103. It is noted that the programs may also be stored in one or more memories other than the ROM 1102 and RAM 1103. The processor 1101 may also perform various operations of the method flows according to the embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 1100 may also include input/output (I/O) interface 1105, input/output (I/O) interface 1105 also connected to bus 1104, according to an embodiment of the disclosure. Electronic device 1100 may also include one or more of the following components connected to I/O interface 1105: an input portion 1106 including a keyboard, mouse, and the like; an output portion 1107 including a signal output unit such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 1108 including a hard disk and the like; and a communication section 1109 including a network interface card such as a LAN card, a modem, or the like. The communication section 1109 performs communication processing via a network such as the internet. A driver 1110 is also connected to the I/O interface 1105 as necessary. A removable medium 1111 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1110 as necessary, so that a computer program read out therefrom is mounted into the storage section 1108 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 1102 and/or the RAM1103 and/or one or more memories other than the ROM 1102 and the RAM1103 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the item recommendation method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 1101. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via the communication part 1109, and/or installed from the removable medium 1111. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 1109 and/or installed from the removable medium 1111. The computer program, when executed by the processor 1101, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A block chain-based asset query method is characterized by comprising the following steps:

establishing a block chain comprising at least two nodes, wherein each node comprises a main node and at least one sub-node, and each sub-node corresponds to a financial institution;

collecting corresponding user asset data files of the financial institution through each sub-node;

and signing the user asset data file through each branch node, and sending the file containing all the branch node signatures to the main node to obtain the total user asset data.

2. The method of claim 1, wherein the signing the user asset data file by each of the child nodes, and sending the file containing all the child node signatures to the master node to obtain user total asset data comprises:

issuing a digital certificate to each of the child nodes through the master node;

each financial institution sends a file containing the user asset data to the corresponding sub-node;

each subnode signs each file by using the digital certificate;

and sending the file containing all the sub-node signatures to the main node.

3. The blockchain-based asset querying method according to claim 1, wherein the signing the user asset data file by each of the child nodes comprises:

sequencing and numbering the sub-nodes to obtain a first sub-node and a second sub-node which are adjacent to each other in front and back;

sequentially signing the file through each sequenced subnode, wherein the user asset data in the second subnode is supplemented and signed on the basis of the signature file of the first subnode;

and sequentially supplementing the user asset data in other sub-nodes and signing until the file contains the signatures of all the sub-nodes.

4. The blockchain-based asset querying method according to claim 1, wherein the blockchain-based asset querying method further comprises:

and each subnode respectively sends the user asset data file of the subnode to any other subnode for backup.

5. The blockchain-based asset query method according to claim 4, wherein if a third child node is abnormal, the user asset data of the third child node is supplemented and signed in the continuously signed file by other child nodes backed up with the file of the third child node.

6. The blockchain-based asset querying method according to claim 1, wherein the file comprises:

billing files and asset liability files;

and collecting user transaction data through the bill file, and collecting user asset and liability data through the asset and liability file, wherein the user transaction data and the user asset and liability data jointly form the user asset data or the user total asset data.

7. The blockchain-based asset query method of claim 6, wherein the billing file and the asset liability file comprise:

a message header and a message body;

and signing the file through the message header, and recording the user transaction data or the user asset and liability data through the message body.

8. The blockchain-based asset query method of claim 1, wherein the establishing a blockchain including at least two nodes comprises:

establishing the node comprising a storage unit;

storing user registration information into a storage unit of the main node;

and establishing a mapping relation between the user registration information and the ID of the user in each financial institution.

9. The blockchain-based asset query method of claim 8, wherein said establishing a blockchain including at least two nodes further comprises:

establishing the node comprising an executable program container;

issuing a program update package to each of the sub-nodes through the master node;

storing program modules embedded in respective financial institution APPs in the executable program container, updating the program modules in respective sub-nodes with the program update package;

and inquiring the user total asset data through the updated program module based on the mapping relation.

10. The blockchain-based asset query method according to claim 1, wherein the financial institutions include banks and third party fast payment institutions, and the collecting, by each of the sub-nodes, the user asset data file of the corresponding financial institution includes:

removing transfer data of the same user ID among the financial institutions;

and eliminating the bank card transaction data in the third-party quick payment mechanism.

11. The blockchain-based asset query method of claim 1, wherein the sub-node is isolated from an intranet of the financial institution.

12. The blockchain-based asset querying method according to claim 1, wherein the blockchain-based asset querying method further comprises:

and issuing the user total asset data to each sub-node through the main node.

13. The blockchain-based asset querying method according to claim 1, wherein the blockchain-based asset querying method further comprises:

and allowing other users to inquire the user total asset data of the target user through credit authorization of the target user.

14. An asset query device based on a blockchain, comprising:

the system comprises a building module, a data processing module and a data processing module, wherein the building module is used for building a block chain comprising at least two nodes, the nodes comprise a main node and at least one sub-node, and each sub-node corresponds to a financial institution;

the collection module is used for collecting the user asset data files of the financial institutions through the sub-nodes;

and the acquisition module is used for signing the user asset data file through each branch node and sending the file containing all the branch node signatures to the main node to obtain the total user asset data.

15. The blockchain-based asset query device according to claim 14, wherein the building module comprises:

a first establishing unit configured to establish the node including a storage unit;

the storage unit is used for storing the user registration information into the storage unit of the main node;

and the second establishing unit is used for establishing the mapping relation between the user registration information and the ID of the user in each financial institution.

16. The blockchain-based asset querying device according to claim 14, wherein the obtaining module comprises:

an issuing unit configured to issue a digital certificate to each of the child nodes via the master node;

the collection unit is used for realizing that each financial institution sends a file containing the user asset data to the corresponding sub-node respectively;

the signature unit is used for realizing that each subnode respectively signs each file by using the digital certificate;

and the summarizing unit is used for sending the file containing all the sub-node signatures to the main node.

17. An electronic device, comprising:

one or more processors;

a memory for storing one or more programs;

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the asset query method of any of claims 1-13.

18. A computer-readable storage medium storing computer-executable instructions for implementing the asset query method of any of claims 1 to 13 when executed.

19. A computer program product comprising a computer program which, when executed by a processor, implements the asset query method of any of claims 1 to 13.