CN114240588A

CN114240588A - Annuity plan reconciliation method, device, equipment and medium based on block chain

Info

Publication number: CN114240588A
Application number: CN202111507725.6A
Authority: CN
Inventors: 任力安; 张战胜; 杨雅晴; 侯敬霞
Original assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Priority date: 2021-12-10
Filing date: 2021-12-10
Publication date: 2022-03-25

Abstract

The embodiment of the application provides an annuity plan reconciliation method, device, equipment and medium based on a block chain, wherein the method is applied to the block chain consisting of a trusted node and a managed node, the trusted node is linked to the block chain through an annuity service platform, and the method comprises the following steps: receiving a trusteeship business flow record and an accounting document bookkeeping rule which belong to a target annuity plan and are uploaded by a trusteeship node through an annuity service platform, wherein the accounting document bookkeeping rule is a rule for recording the trusteeship business flow; generating a plurality of trusted service bookkeeping vouchers based on accounting bookkeeping rules, wherein each trusted service bookkeeping voucher corresponds to one annuity service change record in the trusted service flow records; receiving a plurality of escrow accounting vouchers uploaded by the escrow node to the target annuity plan, wherein each escrow accounting voucher is an annuity business change record of the target annuity plan; and checking each trusted service bookkeeping voucher and each trusteeship bookkeeping voucher in sequence, and outputting a checking result.

Description

Annuity plan reconciliation method, device, equipment and medium based on block chain

Technical Field

The present application relates to the field of blockchain technologies, and in particular, to a method, an apparatus, a device, and a medium for checking an annuity plan based on a blockchain.

Background

The enterprise annuity is a supplementary endowment insurance system, which is a supplementary endowment insurance system independently established by enterprises and workers on the basis of taking part in basic endowment insurance legally. When operating the enterprise annuity, the client initiates and the receiver manages the enterprise annuity generally under the supervision of the bank protection supervision. In the actual operation process, besides the consignee and the consignee, the trustee, the administrating person, the account administrator and the like are involved.

According to the related stipulations of the annual fund of the enterprise, the requirement of the annual fund accounting of the enterprise is determined, wherein the requirement of the annual fund accounting of the enterprise indicates that accounting statement data such as 'subject account balance sheet', 'asset liability sheet' and 'net asset change sheet' provided by a trustee need to be checked monthly by the trustee.

In the related technology, accounting and reconciliation are carried out on accounting report data, which are all offline reconciliation of a trustee and a trustee, specifically, a large number of manual repeated reconciliation are organized, if the reconciliation is inconsistent, the trustee and the trustee search for reasons jointly, if the inconsistent reasons are the asset abnormity of the trustee, the trustee and the trustee need to agree on a processing mode, and then both parties coordinate a trustee or an investment manager to jointly determine the processing mode.

Disclosure of Invention

In order to solve the problems, the application provides an annuity plan account checking method, an annuity plan account checking device, an electronic device and a medium based on a block chain, and aims to improve the efficiency and accuracy of accounting account checking on accounting statement data.

In a first aspect of the embodiments of the present application, there is provided an annuity plan reconciliation method based on a blockchain, where the method is applied to a blockchain composed of a trusted node and a managed node, and the trusted node is linked to the blockchain through an annuity service platform, and the method includes:

receiving a trusteeship business flow record and an accounting voucher bookkeeping rule which belong to a target annuity plan and are uploaded by the trusteeship node through the annuity service platform; wherein, the accounting voucher bookkeeping rule is a rule for recording the service flow of the trustee;

generating a plurality of trusted service bookkeeping vouchers of the trusted service flow records based on the accounting bookkeeping rules, wherein each trusted service bookkeeping voucher corresponds to one annuity service change record in the trusted service flow records;

receiving a plurality of hosting and accounting vouchers uploaded by the hosting node according to the target annuity plan, wherein each hosting and accounting voucher is an annuity business change record of the target annuity plan recorded by the hosting node;

and checking each trusteeship business bookkeeping voucher and each corresponding trusteeship bookkeeping voucher in sequence, and outputting a checking result.

Optionally, the blockchain further includes a delegation node, and the method further includes:

receiving a trusted service instruction sent by the trusted node, wherein the trusted service instruction is generated by the trusted node based on a service application request of the entrusting node to the target annuity plan;

sending the trusteeship service instruction to the hosting node, and receiving a hosting network silver flow record uploaded by the hosting node based on the trusteeship service instruction;

carrying out account matching on the trusteeship network silver flow record and the entrusted business flow record;

based on the accounting billing rules, generating a plurality of trusted service billing vouchers of the trusted service flow records, including:

and under the condition that the account is matched and passed, generating a plurality of entrusted business bookkeeping vouchers of the entrusted business flow record based on the accounting bookkeeping rule.

Optionally, the method further comprises:

under the condition that the reconciliation result is a result representing successful reconciliation, generating an asset accounting statement of the target annuity plan based on the entrusted business flow record;

and updating the entrusted household asset liability information table and/or the entrusted household net asset change information table of the target annuity plan based on the entrusted business flow record.

Optionally, the blockchain includes a delegation node and a cast node, and the method further includes:

setting a first authority for the asset accounting report so that the entrusting node acquires the asset accounting report based on the authority;

and setting respective second authorities for the entrusted user asset liability information table and the entrusted user net asset change information table so that the entrusting node and the administration node acquire the entrusted user asset liability information table and the entrusted user net asset change information table based on the authorities.

Optionally, reconciling each trusted service bookkeeping voucher and each corresponding trusted service bookkeeping voucher in sequence, including:

on the basis of a pre-stored intelligent contract, sequentially reconciling each trusted service bookkeeping voucher and each corresponding trusted service bookkeeping voucher;

wherein the smart contract has a common signature of the trusted node and the hosting node and is uploaded to the blockchain by the trusted node.

Optionally, the method further comprises:

under the condition that the account checking result is a result representing unsuccessful account checking, determining a target entrusted business account checking voucher with unsuccessful account checking from the plurality of entrusted business account checking vouchers;

sending the target trusted service accounting voucher to the entrusting node;

and when a confirmation instruction fed back by the entrusting node aiming at the target entrusted business bookkeeping voucher is received, determining the target entrusted business bookkeeping voucher as a successful account checking record, and updating an account checking result into a result representing successful account checking.

extracting a trusted service bookkeeping voucher and a trusted service bookkeeping voucher which belong to the same service change;

and comparing the transaction amounts of the entrusted service bookkeeping voucher and the entrusted service bookkeeping voucher belonging to the same service change so as to realize the account checking of each entrusted service bookkeeping voucher and each corresponding entrusted service bookkeeping voucher.

In a second aspect of the embodiments of the present application, there is provided an annuity plan reconciliation apparatus based on a blockchain, where the apparatus is applied to a blockchain composed of a trusted node and a managed node, the trusted node is linked to the blockchain through an annuity service platform, and the apparatus includes:

the first record receiving module is used for receiving the entrusted business flow record and the accounting document bookkeeping rule which belong to the target annuity plan and are uploaded by the entrusted node through the annuity service platform; wherein, the accounting voucher bookkeeping rule is a rule for recording the service flow of the trustee;

a voucher generation module, configured to generate, based on the accounting and billing rules, a plurality of trusted service billing vouchers of the trusted service flow record, where each trusted service billing voucher corresponds to an annuity service change record in the trusted service flow record;

a second record receiving module, configured to receive a plurality of escrow accounting vouchers uploaded by the escrow node according to the target annuity plan, where each escrow accounting voucher is an annuity business change record of the target annuity plan recorded by the escrow node;

and the account checking module is used for sequentially checking each trusted service accounting voucher and each corresponding trusteeship accounting voucher and outputting an account checking result.

In a third aspect of the embodiments of the present application, there is provided an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor, when executing, implements the annuity plan reconciliation method based on a blockchain according to the first aspect.

In a fourth aspect of the embodiments of the present application, there is provided a computer-readable storage medium storing a computer program for causing a processor to execute the annual fund plan reconciliation method based on a block chain according to the first aspect.

By adopting the technical scheme of the embodiment of the application, the method at least has the following advantages:

in the embodiment of the application, a block chain can be formed by the trusted node and the hosting node, then account checking is completed by the block chain, specifically, a trusted business flow record of a target annuity plan and accounting document bookkeeping rules uploaded by the trusted node can be received, and then a plurality of trusted business bookkeeping documents of the trusted business flow record are generated based on the accounting document bookkeeping rules; and then, reconciling the plurality of escrow accounting vouchers and each trusted service accounting voucher of the target annuity plan uploaded by the escrow node, and outputting a reconciliation result.

On one hand, account checking is carried out on the trusteeship business accounting voucher of the trusteeship node and the trusteeship accounting voucher uploaded by the trusteeship node in the block chain, so that the account checking process is finished by the block chain, manual account checking is not needed, the business process is simplified, and the account checking efficiency and accuracy are improved.

On the other hand, because a plurality of trusted service bookkeeping vouchers of the trusted service flow records are generated based on the accounting bookkeeping rules uploaded by the trusted nodes, and then the plurality of trusted service bookkeeping vouchers are checked based on the hosting bookkeeping vouchers uploaded by the hosting nodes, each trusted service bookkeeping voucher corresponds to one annuity service change record in the trusted service flow records, and each hosting bookkeeping voucher is an annuity service change record of a target annuity plan recorded by the hosting nodes, the checking of the accounts on the granularity of the bookkeeping vouchers is realized, the efficiency of account checking is high, and the inconsistent records of accounts can be traced, so that the efficiency and the accuracy of account checking are further improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the description of the embodiments or the related art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive labor.

Fig. 1 is a schematic diagram of a communication environment to which a blockchain-based annuity plan reconciliation method according to an embodiment of the present application is applied;

FIG. 2 is a block chain-based annuity plan reconciliation method according to an embodiment of the present application;

fig. 3 is an overall flowchart illustrating a further annual fund plan reconciliation method based on a blockchain according to an embodiment of the present application;

FIG. 4 is a flowchart illustrating steps for auditing a trusted service flow record and a managed network bank flow record according to one embodiment of the present application;

FIG. 5 is a schematic flow chart illustrating the operation of reconciliation results of annuity plans according to an embodiment of the present application;

fig. 6 is a schematic frame diagram of an annuity plan reconciliation apparatus based on a blockchain according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are capable of operation in sequences other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

In view of the problems of complex flow, low efficiency and unreliability of offline manual reconciliation in the related art, the application provides a technical concept for solving the problems: and constructing a block chain by the trustee node and the trustee node, and then checking accounts in the block chain to avoid the problem of complicated flow and low efficiency caused by manual checking accounts. Meanwhile, when account checking is carried out, account checking can be carried out based on the accounting voucher granularity, namely, account checking is carried out based on each change record, and therefore accuracy and efficiency of account checking are improved.

Referring to fig. 1, a communication environment schematic diagram applied to the annuity plan reconciliation method based on a block chain provided by the present application is shown, and as shown in fig. 1, the annuity plan reconciliation method includes a trusted node, a managed node, a delegating node, and a managed node, and the trusted node, the hosted node, the delegating node, and the managed node are constructed to obtain the block chain; the entrusted node is a node where an entrusted person is located, the hosting node is a node where a hosting person is located, the entrusting node is a node where an entrusting person is located, and the administration node is a node where an administration person is located.

In specific implementation, the "annual fund accounting committee of the enterprise" (hereinafter referred to as "committee") may be composed of an intra-industry annual fund consignee and a trustee, the committee is responsible for building block chain services, and each consignee, the trustee and an investor respectively join the block chain to become a node in the block chain. The entrusted nodes can provide services of entrusted user accounting intelligent reconciliation and entrustor real-time acquisition of entrusted asset information based on respective annuity service platforms, and are only authorized to be checked by the participants and the processing party by setting the transaction authority on the blockchain, so that the effect of privacy protection is achieved.

As shown in fig. 1, a trusted node may upload accounting account information to a blockchain through an annuity service platform, and obtain a trusted service application uploaded by a trusted node from the blockchain; the hosting node can upload an initial account set, an accounting statement and a hosting accounting voucher to the blockchain and can confirm account assets from the blockchain; the entrusting node can send a entrusted service request to the block chain when the annuity service is required to be carried out, and acquire annuity account asset information from the block chain; the administration node may obtain investment account asset information from the blockchain. In this way, by building the block chain, the entrusted node, the hosting node, the entrusted node and the administration node can open various annuity businesses, particularly enterprise annuity accounting businesses on the line in the block chain.

The method comprises the steps that a trusted node links up a trusted account through an annuity service platform, after the account is linked up, an account asset is confirmed by a plan hosting node to which the trusted node belongs, and an initial account set and an asset accounting report are linked up, wherein the uploaded trusted account accounting account, the initial account set and the asset accounting report only belong to a plan consignor and a manager to have authority to view corresponding authorized view information, the trusted account accounting account information is shown in the following table 1-1, and the trusted account accounting information table can be used for indicating account information to be checked during subsequent account reconciliation.

TABLE 1-1 Account information Table for trusted users

The field names in table 1-1 refer to the field names of the respective information in the trusted user account information, and the remark column is a remark description of the relevant fields in the trusted user account information. If the remark is in the list, the remark is not needed if the remark is not in the list.

Referring to fig. 1, a block chain based annuity plan reconciliation method of the present application is introduced, and referring to fig. 2, a flowchart illustrating steps of the block chain based annuity plan reconciliation method of the present application is shown, and as shown in fig. 2, the method specifically includes the following steps:

step S201: and receiving the entrusted business flow record and accounting voucher bookkeeping rule which are uploaded by the entrusted node through the annuity service platform and belong to the target annuity plan.

Wherein, the accounting voucher bookkeeping rule is a rule for recording the service flow of the trustee.

In this embodiment, the annuity service platform refers to a platform located on a trusted node, and a trusted person can perform an annuity trusted service on the annuity service platform, where a target annuity plan refers to an annuity plan set by a target principal at the trusted person, and generally, one principal may set one annuity plan in the trusted person.

The entrusted business flow record of the target annuity plan may be a record of a business handled by the entrusted person when the entrusted person handles a business requested by the client. Illustratively, a principal a invests a certain stock a, or levels it, transfers a fund for the principal, wishes to open a leveling process, the receiver receives the leveling process request, sends the relevant fund transfer service to the account manager, the account manager deposits the fund to the account head of the annual fund plan of the principal, and feeds back the fund to the receiver, then the receiver generates an instruction to the host, and the host transfers the fund to the account of the administrator. In the process, the entrusted person processes the bunkering processing request to form entrusted business flow records, and the trustee processes the fund transfer to form online banking flow records.

As shown in the following table 1-2, table 1-2 is a entrusted service flow record, and as shown in table 1-1, the entrusted service flow record includes information such as a service type, a service flow number, a service description, and a money change, and the information such as the money change may include a due amount, a payment amount, and the like.

TABLE 1-2 trusted service flow records

The field names in tables 1-2 refer to the field names of each piece of information in the entrusted business flow record, such as the field name including the entrusted plan number, and the remark column is the explanation of the relevant fields in the entrusted business flow record, if yes, the remarks are put into the table, and if not, the remarks are not needed.

Wherein, the accounting document bookkeeping rule is uploaded by the consignee through the annuity service platform, and the accounting document bookkeeping rule can be understood as a rule for recording each annuity business to form a entrusted business flow record, which specifies how to record each annuity business. It is understood that accounting document billing rules may be different for different trustees.

Step S202: and generating a plurality of trusted service bookkeeping vouchers of the trusted service flow records based on the accounting bookkeeping rules.

Wherein each trusted service bookkeeping voucher corresponds to one annuity service change record in the trusted service flow records.

In this embodiment, the accounting voucher bookkeeping rule is a rule for recording each annuity transaction to form a entrusted transaction flow record, which specifies how to record each annuity transaction, and in practice, the entrusted transaction flow record is generated after recording a plurality of transaction changes according to the accounting bookkeeping rule, so that the entrusted transaction flow record can be analyzed according to the accounting bookkeeping rule, and a plurality of entrusted transaction bookkeeping vouchers forming the entrusted transaction flow record can be obtained.

Wherein, each trusted service accounting voucher records an annual fund service change record, such as a fund transfer record, a payment record, a fee deduction record and the like.

Step S203: and receiving a plurality of hosting and accounting vouchers uploaded by the hosting node according to the target annuity plan, wherein each hosting and accounting voucher is an annuity business change record of the target annuity plan recorded by the hosting node.

In the annuity plan, a trustee node forms a trustee business bookkeeping voucher aiming at each business request of a trustee, in the enterprise annuity, a trustee refers to a commercial bank or a professional organization which is entrusted by the trustee to keep the enterprise annuity fund property, the trustee can respectively set accounts for different enterprise annuity fund properties which are trusteed, the integrity and the independence of the fund properties are ensured, and enterprise annuity fund funds and financial accounting reports are submitted to the trustee regularly.

In specific implementation, a plurality of entrusted business bookkeeping certificates are generated by the entrusted person directly facing the client to carry out annual fund business such as payment, deduction and fund transfer, and the trustee carries out bank business such as payment, deduction and fund transfer on an annual fund property account set by the client under the instruction of the entrusted person to form a financial accounting report.

In this embodiment, the hosting node uploads a plurality of hosted bookkeeping vouchers forming the financial accounting report. Each escrow accounting voucher is an annuity business change record of the target annuity plan recorded by the escrow node, that is, each escrow accounting voucher aims at one annuity business change record, for example, one fund transfer record, one payment record, one deduction record and the like are recorded.

Step S204: and checking each trusteeship business bookkeeping voucher and each corresponding trusteeship bookkeeping voucher in sequence, and outputting a checking result.

In this embodiment, an annuity business change record, for example, a fund transfer record, generates a trusted business accounting voucher at the trusted node and a corresponding escrow accounting voucher at the escrow node; and aiming at the same annuity business change record, the trusted business bookkeeping voucher and the trusteeship bookkeeping voucher both have the same business serial number. Therefore, the trusted service accounting voucher and the escrow accounting voucher belonging to the same annuity service change record can be reconciled based on the service serial number.

In an embodiment, in a specific implementation, the account information to be reconciled may be determined based on the account information table of the account to be reconciled by the trusted user, so that the account information to be reconciled is collated with the account information to be reconciled in the trusted service accounting voucher and the escrow accounting voucher belonging to the same annuity service change record based on the account information to be reconciled.

After the account checking is finished, an account checking result can be output, wherein under the condition that the account checking data are inconsistent, the account checking voucher of the entrusted business and the account checking voucher of the escrow with inconsistent account checking can be output, so that the entrustor, the entrustor and the escrow organize offline personnel to perform offline account checking. When the situation that the accounting data are not consistent does not exist, the result of successful account checking can be output.

By adopting the technical scheme of the embodiment of the application, the account checking is carried out on the trusteeship business account keeping voucher of the trusteeship node and the trusteeship account keeping voucher uploaded by the trusteeship node in the block chain, so that the account checking process is completed by the block chain, manual account checking is not needed, the business process is simplified, and the account checking efficiency and accuracy are improved. And the accounting is carried out on each entrusted business accounting voucher and each trusteeship accounting voucher, which is equivalent to the accounting of each annuity business change, the granularity is finer, so that the accounting efficiency is high, and the inconsistent records of accounts can be traced, thereby further improving the accounting efficiency and accuracy.

In another embodiment, the procedure of reconciling each trusted service accounting voucher and each corresponding trusted service accounting voucher in turn may be as follows:

firstly, a trusted service bookkeeping voucher and a trusted service bookkeeping voucher belonging to the same service change are extracted, and the respective transaction amounts of the trusted service bookkeeping voucher and the trusted service bookkeeping voucher belonging to the same service change are compared to realize the reconciliation of each trusted service bookkeeping voucher and each corresponding trusted service bookkeeping voucher.

In this embodiment, the trusted service billing voucher and the trusted service billing voucher belonging to the same service change may refer to: the trusted service billing voucher and the trusted service billing voucher having the same service serial number, of course, in some embodiments, the trusted service billing voucher and the trusted service billing voucher having the same service serial number also have the same account name at the same time.

When the account checking is carried out, the account checking is mainly carried out on the transaction amount of each of the trusted service account keeping voucher and the trusted service account keeping voucher, wherein the transaction amount can be a money amount which is input or output. Of course, in practice, in addition to reconciling the transaction amount, the annuity business variation may be checked to confirm that the hosting node and the trusted node perform the same business process.

In another embodiment, the reconciliation may be performed by using an intelligent contract, and specifically, the specific process of performing reconciliation on each trusted service accounting voucher and each corresponding trusted service accounting voucher in turn may be: and on the basis of a pre-stored intelligent contract, sequentially reconciling each trusted service bookkeeping voucher and each corresponding trusted service bookkeeping voucher.

In this embodiment, the intelligent contract may be made by the trusted node and the escrow node, and then signed with respective signatures, and uploaded to the block chain by the trusted node. When the intelligent contract is generated, when a trigger event which accords with the intelligent contract is detected by the blockchain, the intelligent contract can be automatically triggered to run, so that the execution of the corresponding event is carried out. Among other things, smart contracts may allow for trusted transactions to be conducted without third parties, which transactions may be tracked and irreversible. Thus, when the embodiment is adopted, the safety and the non-tamper property of account checking can be ensured through the intelligent contract.

Referring to fig. 3, which is a schematic flowchart illustrating a block chain-based annuity plan reconciliation method in an embodiment of the present application, as shown in fig. 3, in an embodiment, before generating a plurality of trusted service accounting vouchers, a trusted service flow record uploaded by a trusted node and a managed network banking flow record uploaded by a managed node may be audited. Specifically, referring to fig. 4, a flowchart illustrating a step of auditing a entrusted business flow record and a managed network bank flow record is shown, and as shown in fig. 4, the method specifically includes the following steps:

step S401: and receiving a trusteeship service instruction sent by the trusteeship node.

Wherein the entrusted business instruction is generated by the entrusted node based on the business application request of the entrusted node to the target annuity plan.

Generally, the entrusting node requests a service application for the target annuity plan, such as a payment application, a deduction application, a fund transfer application, a pending payment application, and the like, in which case, the entrusted node forms an entrusted service instruction based on the service application performed by the entrusting node, and the entrusted service instruction may be used to instruct the hosting node, the administration node, the accounting node, and the like to perform corresponding service processing.

For example, for the application of the pending payment, the trusted service generates a trusted service instruction to the escrow node and the accounting node to instruct the escrow node to process the annuity fund account of the principal so as to record the online banking flow of the pending payment, and the accounting node transfers corresponding funds to carry out corresponding pending payment.

As shown in fig. 3, the principal may upload a trusted service instruction to the block chain, and then, after obtaining the trusted service instruction, the administration node may determine an asset corresponding to an account to which the target annuity plan belongs, and after determining that the asset is completed, may confirm the asset to the administration node.

Step S402: and sending the trusteeship service instruction to the hosting node, and receiving a hosting network silver flow record uploaded by the hosting node based on the trusteeship service instruction.

In this embodiment, after the trusted node confirms registration of the service applied by the delegating node, the trusted service instruction is submitted to the block chain, and then the hosting node acquires the trusted service instruction from the block chain. The trusteeship node and the delivery node perform corresponding annuity services according to corresponding service authorities, and finally the trusteeship node generates trusteeship network silver flow and the trusteeship node generates trusteeship service flow records.

As shown in fig. 3, the principal may upload a trusted service instruction to the blockchain, and then the hosting node may acquire the trusted service instruction from the blockchain, execute the trusted service instruction, and upload the hosted online banking flow record to the blockchain after the result of confirming the asset fed back by the hosting node.

The trusteeship online banking flow is an online banking flow record formed by processing an annuity fund property account set by a principal by a trustee aiming at an annuity business to be processed by a trusteeship node.

Referring to tables 1-3, an information table of managed online banking flow is shown, and as shown in tables 1-2, managed online banking flow includes information such as an online banking flow number, an account name, and an account number.

Table 1-3 information table for trusteeship network silver flowing water

The field names in tables 1 to 3 refer to the field names of each piece of information in the information table of the managed network bank flow, for example, the field names including the entrusted plan number, and the value column is an explanation for records in the managed network bank flow.

Step S403: and carrying out account matching on the trusteeship network bank flow record and the entrusted business flow record.

In this embodiment, account matching may be performed on the managed internet banking flow record and the trusted service flow record by an intelligent contract on the block chain, where when performing account matching, it may be determined whether the account name and the annuity plan number in the managed internet banking flow record and the trusted service flow record are matched. If the matching is consistent, the matching is successful, and if the matching is not consistent, the matching is unsuccessful.

Accordingly, when the plurality of trusted service bookkeeping vouchers of the trusted service flow record are generated based on the accounting bookkeeping rule, the plurality of trusted service bookkeeping vouchers of the trusted service flow record can be generated based on the accounting bookkeeping rule under the condition that an account is matched and passed.

As shown in fig. 3, the accounting rules uploaded by the trusted node may be generated by the trusted node based on the trusted user's accounting rules, which are compiled to indicate how to make accounting rules.

By adopting the embodiment, account matching can be carried out on the managed network bank flow record and the entrusted business flow record so as to verify whether the managed network bank flow record and the entrusted business flow record are matched flow records, if yes, a plurality of entrusted business bookkeeping vouchers of the entrusted business flow record are generated according to the accounting bookkeeping rule, and therefore the accuracy of subsequent account checking is guaranteed.

Referring to fig. 5, a schematic flow chart illustrating the application of the annuity plan reconciliation result in the embodiment of the present application is shown, and as shown in fig. 5, after reconciliation is successfully performed on each trustee accounting document and each managed accounting document, a business accounting document can be calculated, which can refer to a trustee running record, so as to generate a trustee asset accounting statement (i.e. an asset accounting statement described below), and update a corresponding trustee asset liability information table and/or a trustee net asset variation information table, so as to be submitted to a client for real-time viewing.

In specific implementation, the asset accounting statement of the target annuity plan can be generated based on the entrusted business flow record under the condition that the reconciliation result is the result representing successful reconciliation.

And then updating the entrusted household asset liability information table and/or the entrusted household net asset change information table of the target annuity plan based on the entrusted business flow record.

In this embodiment, the asset accounting statement may be generated based on the entrusted business flow record after the account checking is successful, where the asset accounting statement may be a report file that performs summary reflection and comprehensive reflection on the entrusted business flow record in a certain table form. Therefore, the entrusted business flow records can be summarized and counted according to the preset form style, and an asset accounting statement is obtained.

Wherein the entrusted household balance information sheet represents the main accounting statement of the financial status (i.e. status of the assets, liabilities and owner's equity) of the entrusted enterprise at a certain date (usually the end of each accounting period). The report functions not only to debug and manage the interior of the enterprise and prevent the defects, but also to let all readers know the operation status of the enterprise in the shortest time.

Referring to tables 1-4, a bailment information table is shown, which may include information on transaction category, annuity plan name, registration number, end balance, end initial amount, etc., as shown in tables 1-4.

The entrusted-user net-asset transition information table indicates the financial status of the net asset of the entrusted enterprise on a certain date (usually, at the end of each accounting period), and as shown in tables 1 to 5, the entrusted-user net-asset transition information table is shown, and as shown in tables 1 to 5, the entrusted-user net-asset transition information table includes information such as transaction type, annuity plan name, registration number, current period, current year, and the like.

TABLE 1-4 Account and debt information sheet for entrusted household

Name of field	Type (B)	Whether or not it can empty	Description of the invention	Remarks for note
					appseriono	VARchar2(24)	N	Transaction serial number
transtype	VARchar2(2)	N	Transaction categories
					planid	VARchar2(30)	Y	Fund annual fund plan code for entrusted person
planname	VARchar2(100)	N	Name of annuity plan
					planlicid	VARchar2(20)	N	Annuity plan registration number
itemcode	VARchar2(50)	N	Item code
					itemname	VARchar2(100)	N	Name of item
begbalance	NUMBER(17,2)	N	Balance at the beginning of the period
					endbalance	NUMBER(17,2)	N	End of term balance
statementdate	VARchar2(8)	N	Date of report
					startdate	VARchar2(8)	N	Date of start of reporting period
enddate	VARchar2(8)	N	End date of reporting period
					currency	VARchar2(3)	Y	Coin kind
memo	VARchar2(100)	Y	Abstract

TABLE 1-5 DUST-USER PURE-ASPECT INFORMATION TABLE

The field names in tables 1-4 and tables 1-5 may refer to the field name of each information in the report, and the remarks are explanations of related records in the report, and the remarks are added to the table if the remarks are present, and the remarks are not used if the remarks are not present.

In specific implementation, when the entrusted business flow record is updated according to the entrusted business flow record, the information such as the end balance, the end initial amount and the like in the entrusted household asset liability information table can be calculated according to the entrusted business flow record, and then the end balance and the end initial amount in the entrusted household asset liability information table can be updated according to the calculated end balance and the end initial amount.

In specific implementation, when the entrusted-user net-asset change information table is updated according to the entrusted-service flow record, the current period number and the current year number of the entrusted-user net asset can be calculated according to the entrusted-service flow record, so that the current period number and the current year number in the entrusted-user net-asset change information table are updated according to the calculated current period number and the current year number.

In practice, the entrusted service flow record and the entrusted user net asset change information table may be updated according to the entrusted service flow record, or only the entrusted service flow record may be updated, or only the entrusted user net asset change information table may be updated, which is not limited herein.

Of course, in another embodiment, as shown in fig. 5, in the case that the reconciliation result is the result representing that the reconciliation is unsuccessful, the trusted service accounting voucher with unsuccessful reconciliation by the principal may be verified, and then, according to the verification result uploaded by the principal, the subsequent processing is performed.

In a specific implementation, when the reconciliation result is a result representing that the reconciliation is unsuccessful, a target trusted service accounting voucher with unsuccessful reconciliation is determined from the plurality of trusted service accounting vouchers;

and then, sending the target trusted service accounting voucher to the entrusting node.

And then, when a confirmation instruction fed back by the entrusting node aiming at the target entrusted business bookkeeping voucher is received, determining the target entrusted business bookkeeping voucher as a successful account checking record, and updating the account checking result into a result representing successful account checking.

In this embodiment, a target trusted service bookkeeping voucher with unsuccessful reconciliation can be determined, and then, the target trusted service bookkeeping voucher with unsuccessful reconciliation is carried in a reconciliation result and uploaded to the block chain. And meanwhile, sending a message to the entrusting node, wherein the entrusting node can obtain an account checking result carrying the accounting voucher of the target entrusted business with unsuccessful account checking from the block chain. Then, the entrusting node may organize the checking of the target entrusted-service accounting voucher with unsuccessful accounting, and when the checking is incorrect, as shown in fig. 5, it may determine that the target entrusted-service accounting voucher is successfully accounted, and feed back the result to the blockchain, and the blockchain may determine the target entrusted-service accounting voucher as a record of successful accounting, update the accounting result as a result representing successful accounting, and then upload the updated result of successful accounting to the blockchain. In this case, the blockchain may generate an asset accounting statement and update the trustee liability information table and the trustee net asset transition information table based on the trustee flow records, as shown in fig. 5.

By adopting the embodiment, when account checking is successful, an asset accounting statement can be generated, and the asset liability information table and the trustee net asset change information table of the trustee are updated, so that the client can conveniently master the asset condition of the trustee, and the user experience is optimized. Meanwhile, when the account checking is unsuccessful, the block chain can be handed to the consignor for checking, so that the abnormal handling efficiency of the consigned assets is improved.

In yet another embodiment, the trustee asset liability information table and the trustee net asset transition information table may be exposed to each node in the blockchain according to the authority after updating the trustee asset liability information table and/or the trustee net asset transition information table.

In specific implementation, a first authority can be set for the asset accounting report so that the entrusting node can acquire the asset accounting report based on the authority; and setting respective second authorities for the entrusted user asset liability information table and the entrusted user net asset change information table, so that the entrusting node and the administration node acquire the entrusted user asset liability information table and the entrusted user net asset change information table based on the authorities.

In this embodiment, the asset accounting report may be viewed by the offeree and the offeree in real time, and the hosting person and the administrating person may not view the asset accounting report, and therefore, the first authority may be set for the asset accounting report. During specific implementation, the asset accounting report can be encrypted, and the encrypted key is only held by the client and the trustee, so that the client and the trustee are allowed to view the asset accounting report.

Correspondingly, the entrusted user asset liability information table is also generally viewed by the principal and the entrusted user in real time, and the trustee and the administrator can not view the entrusted user asset liability information table, so that the second authority can be set for the entrusted user asset liability information table. During specific implementation, the entrusted user asset liability information table can be encrypted, and the encrypted key is only held by the principal and the entrusted user, so that the entrusted node and the entrusted node can only be allowed to check the entrusted user asset liability information table.

Correspondingly, the trustee net asset change information table is generally also checked by the trustee and the trustee in real time, and the trustee and the administrative supervisor can not check the trustee net asset change information table, so that a third permission can be set for the trustee net asset change information table. During specific implementation, the encryption setting can be performed on the entrusted user net asset change information table, and the encrypted key is only held by the principal and the entrusted person, so that the entrusted node and the entrusted node can only be allowed to check the entrusted user net asset change information table.

The encryption key corresponding to the first authority, the encryption key corresponding to the second authority and the encryption key corresponding to the third authority can be different from each other, so that the safety of an asset accounting statement, a trustee net asset change information table and a trustee asset liability information table is ensured.

By adopting the embodiment, the asset accounting statement, the trustee net asset change information table and the trustee asset liability information table generated after successful account checking can be only checked by the nodes with authority in the block chain, so that the safety of the asset accounting statement, the trustee net asset change information table and the trustee asset liability information table is ensured.

By adopting the technical scheme of the embodiment of the application, the method has the following advantages:

first, the efficiency of reconciliation can be improved.

Because the entrusted node, the trusteeship node, the entrusted node and the delivery and management node form the block chain, the entrusted business bookkeeping voucher of the entrusted node and the trusteeship bookkeeping voucher uploaded by the trusteeship node can be checked in the block chain, manual account checking is not needed, offline checking is not needed, the business process is simplified, and the account checking efficiency and accuracy are improved.

Second, the efficiency and accuracy of reconciliation can be improved.

Because a plurality of trusted business bookkeeping vouchers of the trusted business flow records are generated based on the accounting bookkeeping rules uploaded by the trusted nodes, and then the trusted business bookkeeping vouchers are checked based on the hosting bookkeeping vouchers uploaded by the hosting nodes, each trusted business bookkeeping voucher corresponds to one annuity business change record in the trusted business flow records, and each hosted bookkeeping voucher is an annuity business change record of a target annuity plan recorded by the hosting nodes, the checking of the application on the granularity of the bookkeeping vouchers is high, the checking efficiency is high, and the inconsistent records of accounts can be traced, so the efficiency and the accuracy of the checking are further improved.

Thirdly, the safety of various accounting asset reports generated after reconciliation can be ensured.

Because the corresponding authority is set in the asset accounting statement, the trustee net asset change information table and the trustee asset liability information table generated after the account checking is successful, the corresponding authority can only be checked by the nodes with authority in the block chain, and therefore the safety of the asset accounting statement, the trustee net asset change information table and the trustee asset liability information table is ensured.

Fourth, the trustfulness of the reconciliation can be improved.

Because when reconciliation is carried out, the reconciliation can be carried out based on the intelligent contract, and the intelligent contract has non-tamper property, thereby improving the credibility of the reconciliation and ensuring the accuracy and reliability of the reconciliation result.

Based on the same inventive concept, in an embodiment, there is also provided an annuity plan reconciliation apparatus based on a blockchain, and referring to fig. 6, there is shown a structural block diagram of the annuity plan reconciliation apparatus based on a blockchain, where the apparatus may be applied to a blockchain composed of a trusted node and a managed node, where the trusted node is linked to the blockchain through an annuity service platform, and as shown in fig. 6, the apparatus may specifically include the following modules:

a first record receiving module 601, configured to receive a entrusted business flow record and an accounting document bookkeeping rule belonging to a target annuity plan, which are uploaded by the entrusted node through the annuity service platform; wherein, the accounting voucher bookkeeping rule is a rule for recording the service flow of the trustee;

a voucher generating module 602, configured to generate, based on the accounting rules, a plurality of trusted service billing vouchers of the trusted service flow record, where each trusted service billing voucher corresponds to an annuity service change record in the trusted service flow record;

a second record receiving module 603, configured to receive a plurality of escrow accounting vouchers uploaded by the escrow node according to the target annuity plan, where each escrow accounting voucher is an annuity business change record of the target annuity plan recorded by the escrow node;

and the reconciliation module 604 is configured to reconcile each trusted service accounting voucher and each corresponding escrow accounting voucher in sequence, and output a reconciliation result.

Optionally, the block chain further includes a delegation node, and the apparatus further includes:

the instruction receiving module is used for receiving a trusted service instruction sent by the trusted node, wherein the trusted service instruction is generated by the trusted node based on a service application request of the entrusted node to the target annuity plan;

the instruction sending module is used for sending the entrusted service instruction to the hosting node and receiving a hosting network bank flow record uploaded by the hosting node based on the entrusted service instruction;

the matching module is used for carrying out account matching on the trusteeship network silver flow record and the entrusted business flow record;

the voucher generating module 602 is specifically configured to generate, based on the accounting rules, multiple trusted service billing vouchers of the trusted service flow record under the condition that the account matching passes.

Optionally, the apparatus further comprises:

a report generation module, configured to generate an asset accounting report of the target annuity plan based on the entrusted business flow record when the reconciliation result is a result representing successful reconciliation;

and the report updating module is used for updating the entrusted household asset liability information table and/or the entrusted household net asset change information table of the target annuity plan based on the entrusted business flow record.

Optionally, the blockchain includes a delegation node and a cast node, and the apparatus further includes:

the first authority setting module is used for setting a first authority for the asset accounting report so that the entrusting node can acquire the asset accounting report based on the authority;

and the second permission setting module is used for setting respective second permissions for the entrusted user asset liability information table and the entrusted user net asset change information table so that the entrusting node and the administration node can acquire the entrusted user asset liability information table and the entrusted user net asset change information table based on the permissions.

Optionally, the reconciliation module 604 is specifically configured to reconcile, based on a pre-stored intelligent contract, each of the trusted service billing vouchers and each of the corresponding trusted service billing vouchers in turn;

Optionally, the apparatus further comprises:

the voucher extraction module is used for determining a target entrusted business bookkeeping voucher with unsuccessful account checking from the plurality of entrusted business bookkeeping vouchers under the condition that the account checking result is a result representing unsuccessful account checking;

the voucher sending module is used for sending the target trusted service accounting voucher to the entrusting node;

and the result updating module is used for determining the target entrusted business bookkeeping voucher as a successful account checking record and updating the account checking result into a result representing successful account checking when receiving a confirmation instruction fed back by the entrusting node aiming at the target entrusted business bookkeeping voucher.

Optionally, the reconciliation module 604 includes:

the extraction unit is used for extracting the trusted service bookkeeping voucher and the trusted service bookkeeping voucher which belong to the same service change;

and the checking unit is used for comparing the transaction amounts of the entrusted service bookkeeping voucher and the entrusted service bookkeeping voucher belonging to the same service change so as to realize the reconciliation of each entrusted service bookkeeping voucher and each corresponding entrusted service bookkeeping voucher.

By adopting the annuity plan reconciliation device based on the block chain, account matching can be carried out on the managed network bank running record and the entrusted business running record so as to examine whether the managed network bank running record and the entrusted business running record are matched running records or not, if the managed network bank running record and the entrusted business running record are matched running records, then a plurality of entrusted business bookkeeping vouchers of the entrusted business running record are generated according to the accounting bookkeeping rule, and therefore the accuracy of follow-up reconciliation is ensured.

The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing terminal to cause a series of operational steps to be performed on the computer or other programmable terminal to produce a computer implemented process such that the instructions which execute on the computer or other programmable terminal provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the embodiments of the invention.

Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.

The method, the device, the equipment and the medium for checking the annuity plan based on the block chain are introduced in detail, a specific example is applied in the text to explain the principle and the implementation mode of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. An annuity plan reconciliation method based on a blockchain, wherein the method is applied to the blockchain consisting of a trustee node and a trustee node, and the trustee node is linked to the blockchain through an annuity service platform, and the method comprises the following steps:

2. The method of claim 1, further comprising a delegate node in the blockchain, the method further comprising:

3. The method of claim 1, further comprising:

4. The method of claim 3, wherein the blockchain includes a delegate node and a hosting node, the method further comprising:

5. The method of claim 1, wherein reconciling each of the trusted service billing vouchers against each of the corresponding trusted service billing vouchers in turn comprises:

6. The method of claim 1, further comprising:

sending the target trusted service accounting voucher to the entrusting node;

7. The method of claim 1, wherein reconciling each of the trusted service billing vouchers against each of the corresponding trusted service billing vouchers in turn comprises:

8. An annuity plan reconciliation device based on a blockchain, wherein the device is applied to the blockchain consisting of a trusted node and a managed node, and the trusted node is linked to the blockchain through an annuity service platform, and the device comprises:

9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor when executing implementing the blockchain based annuity plan reconciliation method of any of claims 1-7.

10. A computer-readable storage medium storing a computer program for causing a processor to execute the blockchain-based annuity plan reconciliation method of any one of claims 1 to 7.