CN114298841A

CN114298841A - Investment and financing match transaction technical scheme based on block chain

Info

Publication number: CN114298841A
Application number: CN202111656042.7A
Authority: CN
Inventors: 郑焱泽
Original assignee: Zhongke Lianmi Information Technology Suzhou Co ltd
Current assignee: Zhongke Lianmi Information Technology Suzhou Co ltd
Priority date: 2021-12-31
Filing date: 2021-12-31
Publication date: 2022-04-08

Abstract

The invention discloses a block chain investment and financing matching transaction technical scheme based on the block chain, which effectively enhances the information matching efficiency of an investment and financing platform through the safety of an intelligent contract in the block chain field, and comprises an identity construction module, an identity module and a financial contract module, wherein the identity construction module specifically constructs identities of multi-party investment and financing main bodies, and the intelligent contract module participates in and formulates an intelligent contract; the intelligent contract generation module specifically diffuses the contracts through a p2p network and stores the contracts into a block chain; the intelligent contract execution and recording module is used for automatically executing and recording the intelligent contracts constructed for the block chains; the third party credit investigation module is specifically embedded into a third party credit investigation system scoring standard when a response condition is preset; the payment settlement module is used for receiving and paying money in a cash mode to settle mutual debt and debt of the money; the investment and financing matching module is specifically used for butt joint of transfer or financing intention and investment intention.

Description

Investment and financing match transaction technical scheme based on block chain

Technical Field

The invention relates to the field of blockchain, effectively enhances the information matching efficiency of a investment and financing platform through the safety of an intelligent contract, and particularly relates to a technical scheme of investment and financing match transaction based on blockchain.

Background

The traditional financial internet has the significance of reducing intermediate links, lowering transaction cost, expanding financial service range, improving financial service quality and the like. The embedding of blockchain technology may deepen the interest of internet finance, and one important aspect is that information data can be recorded, stored, transmitted, verified and analyzed in a programmed manner to form credit. Compared with the traditional credit forming mode, the block chain can save a large amount of labor cost and intermediary cost, and the recorded credit information is more complete and difficult to counterfeit.

For example, when we apply for loan, it is necessary to provide the corresponding credit information, which requires relying on the corresponding information data recorded by the bank, insurance or credit investigation institution. However, the block chain has the problems of incomplete information, inaccurate data, high use cost and the like, and the block chain is used for automatically recording mass information by depending on a program algorithm and storing the mass information in each computer of the block chain network, so that the information is transparent, the tampering difficulty is high, and the use cost is low. Therefore, when applying for loan, the loan institution does not need to rely on intermediary institutions such as banks and credit investigation companies to provide credit evidence, and can only call corresponding information data of the block chain.

Therefore, the invention provides a technical scheme for investment and financing match transaction based on a block chain, so as to solve the problems in the background technology.

Disclosure of Invention

The invention aims to provide a technical scheme for investment and financing match transaction based on a block chain, so as to solve the problems in the background technology.

The block chain technology effectively enhances the information matching efficiency of the investment and financing platform. The initial intention of the investment and financing platform is to realize non-intermediation of funds through an internet information technology, so that the funds are financed by bypassing the traditional financial institution, and information collection, publishing, interaction and investment and financing matching are provided for realizing direct investment and financing of lenders and borrowers. In practical situations, however, part of the platforms monopolize information of both transaction parties, control capital price and direction of investment, differentiate into 'traditional financial intermediary' in an internet channel, and greatly reduce information transmission and transaction efficiency. By using the block chain intelligent contract technology, the real disclosure of information effectively reduces the risk premium cost and the recessive guarantee cost of the fund, and the fund pricing level is more accurate and efficient. Meanwhile, the investment and financing platform can be promoted to transfer the development center of gravity to the aspects of improving the information interaction efficiency, improving the transaction matching success rate and deeply exploring value-added services.

In order to achieve the purpose, the invention provides the following technical scheme: the block chain based investment and financing matching transaction technical scheme comprises six modules, namely an identity construction module, an intelligent contract generation module, an intelligent contract execution and recording module, a third party credit investigation module, a payment settlement module and an investment and financing matching module, a service supply mechanism, a payment clearing mechanism and a supervision mechanism, and three part nodes, registration, recharging, financing application, credit investigation and verification, credit line granting, cost returning and payment and matching, and is characterized in that:

the identity construction module is used for constructing identities for the multi-party investment and financing main body, and participating together and making an intelligent contract;

the intelligent contract generation module specifically diffuses and stores the contracts into a block chain through a p2p network;

the intelligent contract execution and recording module is used for automatically executing and recording the intelligent contracts constructed by the block chains;

the third party credit investigation module is specifically embedded into a third party credit investigation system scoring standard when a response condition is preset;

the payment settlement module is used for receiving and paying money in a cash mode to settle mutual debt and debt of the money;

the investment and financing matching module is specifically used for butt joint of transfer or financing intention and investment intention.

As a further scheme of the invention: the service supply mechanism node is used for taking charge of agent interaction storage responsibility of financing information; the service provider erects nodes in a block chain network according to protocol standards and is in butt joint with other nodes, terminal access authority is opened for individual suppliers and demanders of funds, and agent terminal customers carry out screening, matching, feedback and storage on investment and financing information and transfer of funds in cooperation with payment clearing institutions;

the payment clearing institution node is used for carrying out interactive storage of fund transfer information; the payment clearing mechanism, the fund third-party escrow mechanism and other payment clearing mechanisms can accurately transfer funds in real time when the money is released and paid by the money-investing and financing parties, record the fund transfer path, upload the fund transfer path in time, store and feed back the fund transfer path, and avoid illegal use and fraudulent behavior of the funds;

the supervision mechanism node is specifically a necessary off-site supervision function; the financial monitoring institution automatically monitors the transaction record, the fund flow direction and the main body information of the investment and financing platform in real time by erecting a block chain network node, forbids negative list behaviors through a specific intelligent contract and carries out anti-money laundering behavior monitoring according to law;

when three modules of the intelligent contract are operated, the investment and financing main body is accessed to the block chain node in a client terminal mode, and the investment and financing main body jointly negotiates an investment and financing commitment according to needs, wherein the commitment comprises rights and obligations of both parties; these rights and obligations program the transaction data into machine language in an electronic manner; the participants are each signed with a respective private key to ensure the validity of the contract. The signed intelligent contract is transmitted into the block chain network through the RPC interface according to the promised content in the intelligent contract.

The contracts are diffused in the whole block chain network in a mode of P2P, and each node receives one contract; the verification node in the block chain can firstly store the received contract into the memory, wait for a new round of consensus time and trigger consensus and processing of the contract. When the consensus time is up, the verification node packs all contracts stored in the latest period of time into a contract set together, calculates the Hash value of the contract set, and finally assembles the Hash value of the contract set into a block structure to be diffused to the whole network.

After receiving the block structure, other verification nodes can take out the Hash of the contract set contained in the block structure and compare the Hash with the contract set stored by the other verification nodes (the intelligent contract of the Etheng is a byte code specific to the Etheng and is called an EVM byte code); simultaneously sending a contract set approved by the user to other verification nodes; through such multiple rounds of sending and comparing; all the verification nodes eventually agree on the latest contract set within a specified time. The newly agreed contract sets are spread across the network in blocks.

As a still further scheme of the invention: the registration is specifically to receive registration information of a financing main body, store the registration information in the block chain, and write sensitive information into the intelligent contract after AES encryption.

As a still further scheme of the invention: the recharging specifically includes acquiring recharging information of the investment subject, storing the payment information into the block chain, and sending a personal key to the investment subject so that the investment subject can check the information stored in the block chain through the personal key.

As a still further scheme of the invention: the financing application is specifically that after a financing party meets an evaluation condition, a financing credit application is initiated, and after financing application information is received, for example: and the enterprise operation description, the previous year financial statement, the financing demand and use description and the like store the application information in the block chain.

As a still further scheme of the invention: the credit investigation auditing is specifically that a rating mechanism of a third-party credit investigation mechanism is introduced, when the financing application of the financing enterprise is accepted, the enterprise data and the real service condition are matched and verified, a risk assessment report and a credit line are formed, and the risk assessment report and the credit line are written into the intelligent contract.

As a still further scheme of the invention: the credit line is specifically that when a financing application of the financing enterprise is received from the network platform, the information of the financing main body is obtained from the network platform, and the information and the registration information stored in the block chain are subjected to cross validation; and when the cross verification passes, writing the financing application into the intelligent contract, and outputting a corresponding credit line according to the preset rule.

As a still further scheme of the invention: and the repayment of the fund is realized by transferring the encrypted digital currency from the public key address of the transaction platform to the private key address of the other party by the private key corresponding to the public key address of the financing main body according to the repayment deadline and the amount agreed in the intelligent contract.

As a still further scheme of the invention: the matching is specifically to facilitate efficient butt joint of transfer or financing intention and investment intention and protect rights and interests of various investing and financing parties.

Advantageous effects

Compared with the prior art, the invention has the beneficial effects that:

the invention can better solve the problem of asset control right during the block chain matching transaction, and the investment and financing main body adopts the node service provider to invest financing service, so that on one hand, the operation difficulty and cost change in the block chain technology are small, and the investment and financing behavior can be conveniently finished; on the other hand, because the accessed service provider is erected in the whole block chain, the investment and financing information cannot be tampered and hidden, and the moral risk that the individual participant accesses the platform is avoided by inquiring and monitoring the investment and financing money in real time.

The embedding of the intelligent contract of the block chain can effectively enhance the information matching efficiency of each investment and financing platform, the real disclosure of the information effectively reduces the risk price-overflowing cost and the hidden guarantee cost of the fund, and the fund pricing level is more accurate and efficient. Meanwhile, the method can promote the service provider to transfer the development center of gravity to the aspects of improving the information interaction efficiency, improving the transaction matching success rate and deeply exploring value-added services.

Drawings

FIG. 1 shows that the system of the present invention includes an identity building module, an intelligent contract generation, execution and recording module, a credit investigation module, a financing matching module and a payment settlement module;

FIG. 2 is a technical block diagram of the system of the present invention including the operation principle of the intelligent contract module;

fig. 3 is a schematic flow chart of a block chain-based financing transaction platform according to an embodiment of the present invention, which includes 6 nodes: service supply organization, financing enterprise or individual, investment enterprise or individual, third party credit investigation organization, payment clearing structure, supervision organization, wherein the third party credit investigation organization is not limited to bank, guarantee company, third party credit investigation rating organization, insurance company;

fig. 4 is a schematic diagram of the architecture of the intelligent contract module for investment and financing according to the present invention, which includes four layers, the first layer is a core layer, the second layer is a distribution layer, the third layer is an access layer, and the fourth layer is an application layer.

Detailed Description

The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and flow charts. It should be understood that the specific procedures described herein are for the purpose of illustrating the invention only and are not to be construed as limiting the invention.

Defining:

the smart contract can be simply understood as a segment of executable program, and specific code written by a publisher in a specific programming language (the solid programming language used by etherhouses is similar to JavaScript), and can be published on a blockchain after being compiled locally and successfully. They may be triggered by exchanges on the blockchain, after which the code may read data from or write data to the blockchain.

The block chain data storage refers to a function of recording node data, history records, network black and white lists, intelligent contracts and other information of the whole investment and financing transaction.

And the block chain node is used for storing functions such as block information, contracts, consensus confirmation, contract content execution and the like.

A Storage Area Network (SAN) adopts a mesh Channel (FC, distinguished from a Fiber Channel) technology, and a FC switch is used for connecting a Storage array and a server host to establish a special Area Network for data Storage.

The third-party credit investigation refers to an independent third-party enterprise, collects, processes and arranges the information of the main body by using the system or technical advantages of the enterprise, obtains the credit of the main body by using a specific credit model, and then provides service for the credit granting organization.

In the embodiment of the invention, the technical scheme of investment and financing match transaction based on a block chain comprises six modules, namely an identity construction module, an intelligent contract generation module, an intelligent contract execution and recording module, a third-party credit investigation module, a payment settlement module and an investment and financing match module, a service supply mechanism, a payment clearing mechanism and a supervision mechanism, and three partial nodes, namely registration, recharging, financing application, credit investigation and verification, credit line granting, cost payment and match, and is characterized in that:

the intelligent contract generation module specifically diffuses the contracts through a p2p network and stores the contracts into a block chain;

the intelligent contract execution and recording module is used for automatically executing and recording the intelligent contracts constructed for the block chains;

In the embodiment, the service supply mechanism node is specifically used for taking charge of agent interaction storage responsibility of financing information; the service provider erects nodes in a block chain network according to protocol standards and is in butt joint with other nodes, terminal access authority is opened for individual suppliers and demanders of funds, and agent terminal customers carry out screening, matching, feedback and storage on investment and financing information and transfer of funds in cooperation with payment clearing institutions;

the monitoring organization node is a necessary off-site monitoring function; the financial monitoring institution automatically monitors the transaction record, the fund flow direction and the main body information of the investment and financing platform in real time by erecting a block chain network node, forbids negative list behaviors through a specific intelligent contract and carries out anti-money laundering behavior monitoring according to law;

In the embodiment, the registration is specifically to receive registration information of the financing main body, store the registration information in a block chain, and write sensitive information into an intelligent contract after AES encryption.

In the embodiment, the recharging specifically comprises the steps of acquiring recharging information of the investment subject, storing payment information into the block chain, and sending a personal key to the investment subject so that the investment subject can check the information stored in the block chain through the personal key.

In this embodiment, the financing application is specifically that after the financing party meets the evaluation condition, a financing credit application is initiated, and after receiving the financing application information, for example: and the enterprise operation description, the previous year financial statement, the financing demand and use description and the like store the application information in the block chain.

In the embodiment, the credit investigation is specifically to introduce a rating mechanism of a third-party credit investigation mechanism, and when the financing application of the financing enterprise is accepted, the enterprise data and the real service condition are matched and verified to form a risk assessment report and a credit line, and the risk assessment report and the credit line are written into an intelligent contract.

In the embodiment, the credit line is specifically that when a financing application of a financing enterprise is received from a network platform, information of a financing main body is obtained from the network platform, and the information and registration information stored in a block chain are subjected to cross validation; and when the cross verification is passed, writing the financing application into the intelligent contract, and outputting the corresponding credit line according to a preset rule.

In the embodiment, the paying of the fund payment is specifically that the financing main body transfers the encrypted digital currency from the public key address of the transaction platform to the private key address of the other party by the private key corresponding to the public key address of the main financing main body according to the payment deadline and the amount agreed in the intelligent contract.

In the embodiment, the matching is particularly efficient butt joint of transfer or financing intention and investment intention, and rights and interests of all investing and financing parties are protected.

As shown, the first layer is a core layer, which contains the core functionality required for the service; the second layer is the distribution layer, the routers or multi-layer switches of which can provide a variety of critical functions that help meet the goals of blockchain network design, and the third layer is the access layer, which provides the interface to the access protocol; the fourth layer is the application layer, which uses services to access the web and functions provided by the system. Such a design is similar to a standard operating system, which includes a core operating system, services, and applications.

The descriptions of the layers are as follows: the core layer provides core support for applications and services. The peer-to-peer group establishes a group of peers and names the peers in the group respectively, and sets corresponding mechanisms for basic functions of creating, deleting, member managing, publishing and searching other peer-to-peer groups and peers, communication, security, content sharing and the like; pipes provide communication between peers, and the information transmitted in the pipe is formatted by XML and is in a sense protocol independent; the peer entity monitor is used for controlling the behavior of a certain peer in a peer group; security provides basic platform level security. In addition, the access stratum includes mechanisms that are not necessary to the network, but are very common functions such as lookup, sharing, indexing, code caching, and content caching. The application layer comprises a complete application program developed by the application service, and provides a final interface and an overall solution for the investment and financing body.

The device based on the blockchain intelligent contract technology, namely, the contract device, may be a physical server, may also be an internet of things device using an ARM processor (Acorn RISC Machine, ARM processor is the first RISC microprocessor designed by Acorn computer limited facing low-budget markets), and may also be a blockchain deployment node.

Each node computer of the blockchain needs to be provided with an Ethernet shop client, the Ethernet shop client is provided with an EVM, an execution environment of an Ethernet shop intelligent contract is similar to a JVM, and a code of the intelligent contract is executed in the EVM after the intelligent contract is triggered through transaction. The method is equivalent to the method that the program is deployed on a very large number of computers (as long as the computers are provided with the Ethernet room client and are connected to the Ethernet room network), the execution of the intelligent contracts can be triggered through transactions at any time, and the deployment and the calling of the distributed program are also completed.

The application server feeds back the operation flow of investment and financing to the client through various protocols. It provides access to the system platform for use by client applications. The platform uses this system as if it were a method of calling an object.

FIG. 1 shows that the system of the present invention comprises an identity construction module, an intelligent contract generation, execution and recording module, a credit investigation module, a financing matching module and a payment settlement module;

FIG. 2 shows a system of the present invention comprising a technical module of the operating principle of an intelligent contract module;

fig. 4 is a schematic diagram of the architecture design of the intelligent contract module for investment and financing of the present invention, which includes four layers, the first layer is a core layer, the second layer is a distribution layer, the third layer is an access layer, and the fourth layer is an application layer.

When a financing main body is registered through the client, firstly, a unique identity identifier of the whole network is generated according to main body information (such as enterprise name, address, business license, tax number, establishment time and other information representing the identity of the main body), and after the identity of the main body is confirmed, a main body identity certificate is created and stored in a block chain.

The method comprises the steps that a third party payment API interface is connected with a client, when an investment main body puts forward an investment demand, a recharging action is carried out, account information is confirmed through a bank account in the modes of unionpay, third party payment and the like, a transaction data programming machine language is stored in a block chain after payment information of the investment main body is obtained, and a personal key is sent to the main body so that the investment main body can check the information stored in the block chain through the personal key.

When a financing main body submits a financing application, filling financing information and uploading the financing information to a platform (such as fund usage, collateral, asset liability condition, asset evaluation report, audit report, bank flow and the like), and agreeing a financing commitment with the investment main body according to needs, wherein the commitment comprises the right and obligation of both parties; the intelligent contract generating module is mainly used for setting financer information, fund usage, credit rating of a third party, financing contract, terms of loan term and the like, and automatically generating computer execution codes in an electronic mode according to the rights and obligations. The participants are each signed with a respective private key to ensure the validity of the contract. The signed intelligent contract is transmitted into the block chain network through the RPC interface according to the promised content in the intelligent contract.

And performing platform automatic check on the rating of the financing main body through an intelligent contract execution module according to the state condition set in the financing contract clause, and automatically executing a computer execution code in the intelligent contract when the set condition state is met. In the execution process, the contract is diffused in the whole block chain network in a mode of P2P, and each node of a service supply mechanism, a financing enterprise or individual, an investment enterprise or individual, a third-party credit investigation mechanism, a payment clearing structure and a supervision mechanism receives a share; the verification node in the block chain can firstly store the received contract into the memory, wait for a new round of consensus time and trigger consensus and processing of the contract. When the consensus time is up, the verification node packs all contracts stored in the latest period of time into a contract set together, calculates the Hash value of the contract set, and finally assembles the Hash value of the contract set into a block structure to be diffused to the whole network. After receiving the block structure, other verification nodes can take out the Hash of the contract set contained in the block structure and compare the Hash with the contract set stored by the other verification nodes (the intelligent contract of the Etheng is a byte code specific to the Etheng and is called an EVM byte code); simultaneously sending a contract set approved by the user to other verification nodes; through such multiple rounds of sending and comparing; all the verification nodes eventually agree on the latest contract set within a specified time. The newly agreed contract sets are spread across the network in blocks.

The payment module in the invention is endowed with financing right and obligation by establishing public key address on the block chain, as long as both sides of the financing main body achieve transaction agreement and the intelligent contract begins to take effect, the fund of the account of the investment main body is automatically deducted by setting preset response rules in the intelligent contract, the fund of the account of the investment main body is allocated to the account of the financing main body, and the transaction data programming machine language is stored in the block chain after obtaining the deduction information of the investment main body.

In the repayment link, because both sides establish a credit system which is restricted and executed by a block chain intelligent contract, according to a repayment period and interest agreed in advance, the financing main body needs to be rested in the account of the financing main body with the corresponding RMB, and simultaneously, the money amount is recharged once when the repayment is finished and cleared, and the API of the third-party payment settlement module carries out an automatic deduction payment program, namely, the account fund (without being signed by a private key) is automatically transferred to the account of the investment main body through the transaction platform, the interest and the money are cleared, and the transaction data programming machine language is stored in the block chain after the repayment information of the financing main body is obtained.

In summary, the invention provides a method for connecting a block chain technology with financial activities by the security of an intelligent contract in the internet field, so as to realize informatization, platformization and intellectualization of the financial activities, strengthen overall planning and top-level design, promote the coordinated development of the block chain, and realize resource sharing to the maximum extent. Firstly writing the identity information of a financing main body into a block chain, and finishing the confirmation and storage of the identity information jointly by a plurality of credit rating authentication mechanisms through a common recognition mechanism, then the financing main body can conveniently carry out credit financing through a block chain transaction platform, which is favorable for the safety of identity verification, meanwhile, based on the nesting of the intelligent contracts, a block chain technology is adopted to update recorded computer execution codes and data generated in the execution process, and a system automatically reads the computer execution codes of the intelligent contracts in the block chain and carries out the codes conditionally, thereby being favorable for improving the execution fairness and the privacy of the information of both financing parties.

From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solution of the present invention essentially or contributing to the prior art may be embodied in the form of a software product, which can be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in each process or some parts of the processes of the present invention.

Each link of the invention is described in a progressive mode, the same and similar parts among all processes are referred to each other, and the key point of each process is the difference from other processes. In particular, for the device or system flow, since it is substantially similar to the method flow, the description is simple, and the relevant points can be referred to the partial description of the method flow. The above-described apparatuses and system flows are only schematic, where the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the flow scheme. One of ordinary skill in the art can understand and implement it without inventive effort.

It should be noted that:

the algorithms and displays presented herein are not inherently related to any particular computer, virtual machine, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. In addition, the present invention is not directed to any particular programming language. It will be appreciated that the inventive concepts described herein may be implemented using a variety of programming languages.

Those skilled in the art will appreciate that the modules in the process can be adaptively changed and placed in one or more devices that are different from the process. Each feature disclosed in this specification may be replaced by an alternative feature serving the same, equivalent, or similar purpose, unless expressly stated otherwise.

The various component flows of the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof.

The above-mentioned steps are only preferred processes of the present invention, and are not intended to limit the scope of the claims of the present invention. While the foregoing description will be understood and appreciated by those skilled in the relevant art, other equivalents may be made thereto without departing from the scope of the claims.

Claims

1. The technical scheme of investment and financing match transaction based on the block chain comprises the following steps, and is characterized in that: an identity construction module, an intelligent contract generation module, an intelligent contract execution and recording module, a third party credit investigation module, a payment settlement module, a invested and financing matching module and a service supply mechanism, a payment clearing mechanism and a supervision mechanism are connected with nodes, registration, recharge, financing application, credit investigation and verification, credit line granting, payment of a counter, matching

2. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: the service supply mechanism node is used for taking charge of agent interaction storage responsibility of financing information; the service provider erects nodes in a block chain network according to protocol standards and is in butt joint with other nodes, terminal access authority is opened for individual suppliers and demanders of funds, and agent terminal customers carry out screening, matching, feedback and storage on investment and financing information and transfer of funds in cooperation with payment clearing institutions;

the supervision mechanism node is specifically a necessary off-site supervision function; the financial monitoring organization automatically monitors the transaction records, the fund flow direction and the main body information of the investment and financing platform in real time by erecting a block chain network node, forbids negative list behaviors through a specific intelligent contract and carries out anti-money laundering behavior monitoring according to law.

3. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: the registration is specifically to receive registration information of a financing main body, store the registration information in the block chain, and write sensitive information into the intelligent contract after AES encryption.

4. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: the recharging specifically includes acquiring recharging information of the investment subject, storing the payment information into the block chain, and sending a personal key to the investment subject so that the investment subject can check the information stored in the block chain through the personal key.

5. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: the financing application is specifically that after the financing party meets the evaluation condition, a financing credit application is initiated, and the financing application information is received.

6. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: the credit investigation auditing is specifically that a rating mechanism of a third-party credit investigation mechanism is introduced, when the financing application of the financing enterprise is accepted, the enterprise data and the real service condition are matched and verified, a risk assessment report and a credit line are formed, and the risk assessment report and the credit line are written into the intelligent contract.

7. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: the credit line is specifically that when a financing application of the financing enterprise is received from the network platform, the information of the financing main body is obtained from the network platform, and the information and the registration information stored in the block chain are subjected to cross validation; and when the cross verification passes, writing the financing application into the intelligent contract, and outputting a corresponding credit line according to the preset rule.

8. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: and the repayment of the fund is realized by transferring the encrypted digital currency from the public key address of the transaction platform to the private key address of the other party by the private key corresponding to the public key address of the financing main body according to the repayment deadline and the amount agreed in the intelligent contract.

9. The block chain-based investment and financing match transaction technical scheme as claimed in claim 1, characterized in that: the matching is specifically to facilitate efficient butt joint of transfer or financing intention and investment intention and protect rights and interests of various investing and financing parties.