CN114418548A

CN114418548A - Method, device, equipment, storage medium and program product for auditing account opening business

Info

Publication number: CN114418548A
Application number: CN202210086968.5A
Authority: CN
Inventors: 王进; 王洁
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-01-25
Filing date: 2022-01-25
Publication date: 2022-04-29

Abstract

The disclosure provides an account opening business auditing method based on a block chain, which can be applied to the technical field of the block chain. The account opening business auditing method comprises the following steps: in a first checking stage, executing a plurality of account opening sub-services according to account opening requests of users, wherein each account opening sub-service is executed by at least one first node of a block chain, and different account opening sub-services are executed by different first nodes; forming a first shared contract set according to the multiple account opening sub-services, wherein the first shared contract set is stored in each first node; after each account opening sub-service is executed, updating a first shared contract set in each first node based on a consensus mechanism according to an execution result; and when the first shared contract set meets the preset condition, determining that the first audit stage passes. The disclosure also provides an account opening service auditing device, equipment, a storage medium and a program product based on the block chain. The method and the device can shorten the time required by the account opening service and improve the user experience.

Description

Method, device, equipment, storage medium and program product for auditing account opening business

Technical Field

The present disclosure relates to the field of block chain technologies, and in particular, to an account opening service auditing method, apparatus, device, storage medium, and program product.

Background

At present, the basic flow of bank handling public business is that a client generates a reservation number by reserving and opening an account on line, the client carries the reservation number and related enterprise data and a seal to a counter of a website for counter treatment, a legal client marketing system platform generates a due diligence investigation task after the counter treatment is completed, the website teller goes to the location of the enterprise on the spot for the due diligence business handling, and then the business handling is submitted to a business centralized platform for processing. Under the process of the account opening business, the business processing of each link depends on the completion of the previous link, and as banks examine the open accounts strictly and the process is long, the process from the initiation of the reservation to the completion of the final account opening of the client usually consumes a long time, so that the efficiency of the account opening business is low, and the experience of the client is poor.

Disclosure of Invention

In view of the foregoing, the present disclosure provides an account opening service auditing method, apparatus, device, storage medium, and program product.

According to a first aspect of the present disclosure, an account opening service auditing method based on a block chain is provided, where the method includes: in the first stage of the review,

executing a plurality of account opening sub-services according to an account opening request of a user, wherein each account opening sub-service is executed by at least one first node of the block chain, and different account opening sub-services are executed by different first nodes;

forming a first shared set according to the plurality of account opening sub-services, wherein the first shared set is stored in each first node;

after each account opening sub-service is executed, updating the first shared contract set in each first node based on a consensus mechanism according to an execution result;

and when the first shared contract set meets a preset condition, determining that the first review stage is approved.

According to an embodiment of the present disclosure, the account opening sub-service includes at least one transaction, each transaction is executed by one of the first nodes, different transactions are executed by different first nodes, and the forming a first shared contract set according to a plurality of account opening sub-services includes: for each of said first nodes, the first node is,

generating a first contract corresponding to the transaction according to the transaction executed by the first node;

flooding the generated first contract into each of the first nodes through a peer-to-peer network;

forming the first shared contract set according to the generated first contract and the received first contract.

According to an embodiment of the present disclosure, the executing result includes an executing sub-result of each transaction, and after each account opening sub-service is executed, updating the first shared contract set in each first node based on a consensus mechanism according to the executing result includes:

updating the state of the first contract corresponding to the transaction in each first node based on the consensus mechanism according to the execution sub-result of at least one transaction;

when the execution sub-result is that the execution is successful, updating the state of the first contract to be a completion state; and when the execution sub-result is execution failure, updating the state of the first contract into a failure state.

According to an embodiment of the present disclosure, the preset condition includes: the status of each of the first contracts in the first set of shared contracts is the completed status; the account opening business auditing method further comprises the following steps:

determining that the first audit stage audit failed when the status of at least one of the first contracts in the first set of shared contracts is the failure status.

According to an embodiment of the present disclosure, the first auditing stage includes a consensus sub-stage, and the updating, according to the execution sub-result of at least one of the transactions, the state of the first contract corresponding to the transaction in each of the first nodes based on the consensus mechanism includes: in the sub-phase of the consensus as described,

forming a second shared contract set according to a second contract sent by at least one first node, wherein the second contract corresponds to one first contract;

updating, in accordance with each of the second set of shared contracts, a state of the first contract in each of the first nodes corresponding to the second contract based on the consensus mechanism;

wherein the second contract comprises: and after the first node executes the transaction executed by the first node, according to the execution sub-result of the transaction, preliminarily updating the state of the first contract corresponding to the transaction in the first node to obtain a contract.

According to the embodiment of the present disclosure, the method for auditing an account opening service further includes:

verifying the execution sub-result of the transaction in each first node according to a preset period;

and when the execution sub-result passes the verification, signing the execution sub-result.

According to the embodiment of the present disclosure, the method for auditing an account opening service further includes: in a second review stage:

extracting first key information in the account opening request;

performing networking verification on the first key information;

after the networking verification is passed, generating an account opening protocol according to the first key information, and pushing the account opening protocol to the user;

and entering the first examination stage in response to the feedback operation of the user on the account opening protocol.

According to the embodiment of the present disclosure, at least one account opening sub-service includes an information entry transaction, and the account opening service auditing method further includes:

after the first auditing stage is determined to pass the auditing, entering a third auditing stage;

in the third audit phase:

extracting second key information input through the information input transaction;

supplementing the second key information according to a preset supplementing rule;

auditing the supplemented second key information;

and when the supplemented second key information passes the audit, determining that the audit of the account opening service is completed.

A second aspect of the present disclosure provides an account opening service auditing apparatus based on a block chain, where the apparatus includes: the system comprises a plurality of first nodes, a first processing module, a second processing module and a third processing module;

in the first stage of the review,

the plurality of first nodes are used for executing a plurality of account opening sub-services according to account opening requests of users, each account opening sub-service is executed by at least one first node of the block chain, and different account opening sub-services are executed by different first nodes;

the first processing module is configured to form a first shared set according to a plurality of account opening sub-services, where the first shared set is stored in each first node;

and the second processing module is used for updating the first shared contract set in each first node based on a consensus mechanism according to an execution result after each account opening sub-service is executed.

The third processing module is configured to determine that the first review stage is approved when the first shared contract set meets a preset condition.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the account opening service auditing method described above.

A fourth aspect of the present disclosure also provides a computer-readable storage medium, on which executable instructions are stored, and when executed by a processor, the instructions cause the processor to execute the account opening service auditing method.

A fifth aspect of the present disclosure also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for auditing an account opening service is implemented.

One or more of the above-described embodiments may provide the following advantages or benefits:

after any account opening sub-service is completed, the first shared contract set is updated, the first shared contract set is stored in each first node of the block chain, and the first shared contract sets in the first nodes are kept consistent based on a common identification mechanism, so that the first shared contract set has high reliability. On this basis, only when the first shared contract set meets a preset condition (for example, each contract in the first shared contract set is in a complete state, which indicates that all account opening sub-services are successfully executed), it is determined that the audit in the first audit stage passes, so that the comprehensiveness of the audit in the first audit stage is ensured.

Drawings

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

fig. 1 schematically illustrates an application scenario diagram of a block chain based account opening service auditing method, apparatus, device, storage medium, and program product according to an embodiment of the present disclosure;

FIG. 2 schematically shows one of the flow charts of an account opening service auditing method according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart for forming a first contract according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart for updating a first contract set according to an embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow diagram for updating a state of a first contract, according to an embodiment of the disclosure;

FIG. 6 schematically shows a second flowchart of an account opening service auditing method according to an embodiment of the present disclosure;

FIG. 7a is a third flow chart of an account opening service auditing method according to an embodiment of the present disclosure;

FIG. 7b schematically shows a fourth flowchart of an account opening service auditing method according to an embodiment of the present disclosure;

fig. 8 schematically shows a block diagram of a block chain-based account opening service auditing apparatus according to an embodiment of the present disclosure;

fig. 9 schematically shows a block diagram of an electronic device adapted to implement a block chain-based account opening service auditing method according to an embodiment of the present disclosure.

Detailed Description

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

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

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

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

The present disclosure relates to the field of block chain technology, and in particular, to a block chain-based method, apparatus, device, storage medium, and program product for auditing an account opening service.

In the technical scheme of the disclosure, the collection, storage, use, processing, transmission, provision, disclosure, application and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated.

The embodiment of the disclosure provides an account opening service auditing method based on a block chain, wherein the method comprises the following steps: in a first review stage:

executing a plurality of account opening sub-services according to an account opening request of a user, wherein each account opening sub-service is executed by at least one first node of a block chain, and different account opening sub-services are executed by different first nodes; forming a first shared contract set according to the multiple account opening sub-services, wherein the first shared contract set is stored in each first node; after each account opening sub-service is executed, updating a first shared contract set in each first node based on a consensus mechanism according to an execution result; and when the first shared contract set meets the preset condition, determining that the first audit stage passes.

By adopting the checking method for account opening business based on the block chain, after any account opening sub-business is completed, the first shared contract set is updated, the first shared contract set is stored in each first node of the block chain, and the first shared contract sets in the first nodes are kept consistent based on a common identification mechanism, so that the first shared contract set has high reliability. On this basis, only when the first shared contract set meets a preset condition (for example, each contract in the first shared contract set is in a complete state, which indicates that all account opening sub-services are successfully executed), it is determined that the audit in the first audit stage passes, so that the comprehensiveness of the audit in the first audit stage is ensured.

Fig. 1 schematically illustrates an application scenario diagram of a block chain based account opening service auditing method, apparatus, device, storage medium and program product according to an embodiment of the present disclosure, and as shown in fig. 1, an application scenario 100 according to this embodiment may include

terminal devices

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

terminal devices

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

The user may use the

terminal devices

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

terminal devices

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

The

terminal devices

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

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

terminal devices

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

It should be noted that the auditing method for account opening service based on block chains provided by the embodiments of the present disclosure may be generally executed by the server 105. Accordingly, the auditing device for block chain-based account opening service provided by the embodiment of the present disclosure may be generally disposed in the server 105. The auditing method for the account opening service based on the block chain provided by the embodiment of the present disclosure may also be executed by a server or a server cluster which is different from the server 105 and can communicate with the

terminal devices

101, 102, 103 and/or the server 105. Correspondingly, the auditing device for the block chain-based account opening service provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster that is different from the server 105 and is capable of communicating with the

terminal devices

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

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

The block chain based account opening service auditing method of the disclosed embodiment will be described in detail below with reference to the scenario described in fig. 1 and fig. 2 to 7 b.

Fig. 2 schematically shows one of flowcharts of an account opening service auditing method according to an embodiment of the present disclosure, and as shown in fig. 2, the account opening service auditing method based on a block chain of this embodiment includes steps S210 to S240, it should be noted that, although the steps in fig. 2 are shown in sequence as indicated by arrows, the steps are not necessarily executed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least some of the steps in the figures may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, in different orders, and may be performed in turn or in alternation with other steps or at least some of the sub-steps or stages of other steps.

In the embodiment of the present disclosure, the account opening service may include a plurality of auditing stages, and in each auditing stage, the information provided by the user may be audited, and when the information provided by the user meets the auditing requirement, it is determined that the auditing stage passes. The plurality of audit phases may include: a first audit phase, a second audit phase prior to the first audit phase, and a third audit phase after the first audit phase. In the first review stage, sub-services that take a long time in the account opening service, such as a due diligence sub-service and a counter sub-service, etc., may be performed, in other words, in the first review stage, the plurality of account opening sub-services performed according to the account opening request of the user may include a due diligence sub-service and a counter sub-service. In the second auditing stage and the third auditing stage, the sub-business which consumes less time in the account opening business, such as registration sub-business, review sub-business and the like, can be executed. The second and third review stages will be described in detail below, with the first review stage being described first.

In the first auditing stage, the method for auditing the account opening service in the embodiment of the present disclosure is described below by taking as an example that the multiple account opening sub-services executed according to the account opening request of the user include a due diligence sub-service and a counter sub-service. It should be understood that, in the embodiment of the present disclosure, the type of the account opening sub-service is not limited, and in practical applications, other sub-services that take a long time in the account opening service may also be used as the account opening sub-service executed in the first auditing stage according to practical needs.

In step S210, multiple account opening sub-services are executed according to the account opening request of the user, where each account opening sub-service is executed by at least one first node of the block chain, and different account opening sub-services are executed by different first nodes.

In this embodiment of the present disclosure, the first node may refer to a server, or may refer to a certain functional module in the server, for example, the plurality of first nodes may include a due diligence sub-service functional module, a counter sub-service functional module, and the like, which may be determined specifically according to actual needs, and is not limited herein. The execution of the multiple account opening sub-services is independent, the execution sequence of the multiple account opening sub-services can be determined according to actual needs, for example, the due diligence sub-service can be executed before the counter sub-service; or, the due diligence sub-service can be executed synchronously with the counter sub-service; still alternatively, the due diligence sub-service may be performed after the counter sub-service, and so on.

In step S220, a first shared set is formed according to the multiple account opening sub-services, and the first shared set is stored in each first node.

In the embodiment of the present disclosure, the first shared contract set includes a plurality of contract subsets, each contract subset may correspond to one account opening sub-service, and different contract subsets may correspond to different account opening sub-services. Alternatively, the plurality of contract subsets in the first shared contract set may be in one-to-one correspondence with the plurality of account opening sub-services to be executed in the first review stage. For example, the first shared contract set includes contract subset a1 and contract subset a2, contract subset a1 corresponding to due diligence sub-services, and contract subset a2 corresponding to counter sub-services.

Optionally, a plurality of contracts may be formed according to the execution process of each account opening sub-service, and a contract subset is formed by the plurality of contracts, so as to form the first shared contract set.

For example, each account opening sub-service may be further subdivided into a plurality of transactions, each contract may correspond to one transaction, and specific contents will be described in detail below, which is not described herein again.

In step S230, after each account opening sub-service is executed, the first shared contract set in each first node is updated based on the consensus mechanism according to the execution result.

In the embodiments of the present disclosure, the consensus mechanism may be determined according to actual needs, for example, the consensus mechanism may include a workload proving mechanism or the like. The consensus mechanism has the characteristics of equal people and majority obeying minority, and the first shared collections in the first nodes can be synchronously updated through the consensus mechanism, so that the first shared collections in the first nodes are kept consistent.

Optionally, the execution result may include a success of execution or a failure of execution, and updating the first shared contract set according to the execution result may include updating each contract subset in the first shared contract set. For example, for due diligence sub-services, when due diligence sub-service execution succeeds, contract subset a1 may be updated to place contract subset a1 in a completed state.

In step S240, when the first shared contract set satisfies the preset condition, it is determined that the first review stage review is passed.

In the embodiment of the present disclosure, the preset condition may include: each contract subset in the first set of shared contracts reaches a desired state, e.g., each contract subset is a completed state. At this time, it is indicated that both the due diligence sub-service and the counter sub-service are successfully executed, and the user meets the auditing requirement of the first auditing stage, so that the first auditing stage can be confirmed to be approved.

Optionally, when the first shared contract set does not satisfy the preset condition, it may be determined that the first review stage review fails.

The method for auditing an account opening service based on a block chain provided by the embodiment of the present disclosure is further described below.

In some embodiments, the account opening sub-service includes at least one transaction, each transaction being performed by one first node, and different transactions being performed by different first nodes. For example, for a due diligence sub-business, the plurality of transactions may include: the method comprises the steps of generating a transaction for the backlog of the due diligence survey, pushing the transaction for the backlog of the due diligence survey and feeding back the transaction for the result of the due diligence survey. For a counter sub-service, the plurality of transactions may include: the counter backlog generates a transaction, an information input transaction and a protocol signing transaction. The functional module mentioned in the foregoing may be further divided into a plurality of sub-modules, each of which serves as a first node. For example, for a due diligence sub-function module, the plurality of sub-modules may include: the affair generation submodule for the due diligence backlog, the affair pushing submodule for the due diligence backlog and the affair feedback submodule for the due diligence result are arranged in the electronic equipment. For the counter sub-business function module, the plurality of sub-modules may include: the counter backlog generation transaction submodule, the information input transaction submodule and the protocol signing transaction submodule.

Optionally, multiple transactions of the same account opening sub-service may establish a logical relationship, for example, for the due diligence sub-service, the due diligence backlog generation transaction may be executed first, then the due diligence backlog push transaction is executed, and finally the due diligence result feedback transaction is executed. For the counter sub-business, the counter backlog generation transaction can be executed firstly, then the information entry transaction is executed, and finally the protocol signing transaction is executed.

Fig. 3 schematically illustrates a flowchart of forming a first contract set according to an embodiment of the present disclosure, and as shown in fig. 3, step S220 includes steps S221 to S223. For each first node:

in step S221, a first contract corresponding to the transaction is generated according to the transaction executed by the first node.

Optionally, each first contract corresponds to a transaction, e.g., the first shared contract set includes a contract subset a1 corresponding to the due diligence sub-service, and a contract subset a2 corresponding to the counter sub-service. The contract subset a1 includes three first contracts, which correspond one-to-one to the due diligence backlog generation transaction, the due diligence backlog push transaction, and the due diligence result feedback transaction. The contract subset a2 includes three first contracts, which are in one-to-one correspondence with the counter backlog generating transaction, the information entry transaction, and the protocol signing transaction, respectively.

In step S222, the generated first contract is diffused into each first node through the peer-to-peer network.

In step S223, a first shared contract set is formed according to the generated first contract and the received first contract.

For example, the plurality of first nodes includes first nodes B1 through B6. The due diligence sub-service is executed by the first node B1 to the first node B3, specifically, a due diligence backlog generation transaction is executed by the first node B1, a due diligence backlog push transaction is executed by the first node B2, and a due diligence result feedback transaction is executed by the first node B3. The counter sub-services are performed by the first node B4 to the first node B6, specifically, the counter backlog generation transaction is performed by the first node B4, the information entry transaction is performed by the first node B5, and the protocol sign transaction is performed by the first node B6. The first node B1 generates a transaction according to due diligence and backlog to generate a first contract C1, the first node B2 pushes the transaction according to the due diligence and backlog to generate a first contract C2, the first node B3 feeds back the transaction according to the due diligence and backlog result to generate a first contract C3, the first node B4 generates a transaction according to counter backlog to generate a first contract C4, the first node B5 generates a first contract C5 according to information entry transaction, and the first node B6 signs the transaction according to the contract to generate a first contract C6. The first node B1 flooding the first contract C1 to the first node B2 to the first node B6; the first node B2 flooding the first contract C2 to the first node B1 and the first node B3 to the first node B6; the first node B3 flooding the first contract C3 to the first node B1, the first node B2, and the first node B3 to the first node B6; the first node B4 flooding the first contract C4 to the first node B1 to the first node B3, the first node B5 and the first node B6; the first node B5 flooding the first contract C5 to the first node B1 to the first node B4 and the first node B6; the first node B6 floods the first contract C6 to the first node B1 to the first node B5. In this way, each first node stores the first contracts C1 to C6, in other words, each first node stores the first shared contract set made up of the first contracts C1 to C6.

Optionally, when each first node diffuses the contracts generated by the first node to other first nodes, the contracts can be encrypted through a public and private key, so that the reliability of data is guaranteed. For example, the first node encrypts the contract it is to send with a private key, and the first node decrypts the contract with a public key when receiving contracts sent by other first nodes.

In some embodiments, the execution result includes an execution sub-result of each transaction, and the execution sub-result may include an execution success or an execution failure, and for one execution result, when all the execution sub-results are execution successes, the execution result is determined to be execution success, and when there is at least one execution sub-result execution failure, the execution result is determined to be execution failure. Fig. 4 schematically shows a flowchart of updating the first contract set according to an embodiment of the present disclosure, and as shown in fig. 4, step S230 includes step S231.

In step S231, the state of the first contract corresponding to the transaction in each first node is updated based on the consensus mechanism according to the execution sub-result of at least one transaction.

And when the execution sub-result is successful, updating the state of the first contract into a finished state.

For example, for the due diligence sub-service, when the due diligence backlog generation transaction is successfully executed, the states of the first contracts C1 may all be updated to the completed state, when the due diligence backlog push transaction is successfully executed, the states of the first contracts C2 may all be updated to the completed state, and when the due diligence result feeds back that the transaction is successfully executed, the states of the contracts C3 may all be updated to the completed state.

And when the execution sub-result is execution failure, updating the state of the first contract into a failure state.

For example, the status of the contract C1 may be updated to the failure status when due diligence backlog generation transaction execution fails, the status of the contract C2 may be updated to the failure status when due diligence backlog push transaction execution fails, the status of the contract C3 may be updated to the failure status when due diligence results feed back transaction execution failures, and so on.

Optionally, the transaction for generating the due diligence backlog may automatically generate a due diligence backlog by calling each item of information of the user who is recorded on the online reservation, and after the transaction for generating the due diligence backlog is successfully generated, it is determined that the transaction for generating the due diligence backlog is successfully executed, otherwise, it is determined that the transaction for generating the due diligence backlog is unsuccessfully executed.

Optionally, the due diligence backlog pushing transaction may push the due diligence backlog to a website teller, determine that the due diligence backlog pushing transaction is successfully executed after the due diligence backlog is pushed to the corresponding teller, and otherwise, determine that the due diligence backlog pushing transaction is failed to be executed.

Optionally, the due-employment investigation result feedback transaction may provide a feedback interface to the website teller, so that the teller feeds back the due-employment investigation result after the field due-employment investigation is finished, when the fed-back due-employment investigation result is "pass", it is determined that the due-employment investigation result feedback transaction is successfully executed, otherwise, it is determined that the due-employment investigation result feedback transaction is failed.

Optionally, the counter backlog generation transaction may automatically generate a counter backlog by calling each item of information of the user who makes an on-line appointment, and after the counter backlog is successfully generated, it is determined that the counter backlog generation transaction is successfully executed, otherwise, it is determined that the counter backlog generation transaction is failed.

Optionally, the information entry transaction includes the teller or the customer inputting corresponding account opening information, and the account opening information includes: legal names, certificate types, certificate numbers, mobile phone numbers, package selection and the like. The information input transaction can carry out validity check on the account opening information in real time, if the account opening information passes the validity check, the information input transaction is determined to be successfully executed, if the account opening information does not pass the validity check, a prompt can be returned to the client or the teller to prompt the client or the teller to re-input, and when the account opening information does not pass the validity check for multiple times, the information input transaction can be determined to be failed to be executed.

Alternatively, the agreement signing transaction can comprise printing a client-related certificate, stamping a official seal, signing an account opening agreement with the client, and filing the account opening data and the like, so that the client account opening data is legal and the account opening intention is real. After the client signs an account-opening agreement and the data archive is completed, the execution of the agreement signing transaction is determined to be successful, and if not, the execution of the agreement signing transaction is determined to be failed.

In some embodiments, the preset conditions include: specifically, in the embodiment of the present disclosure, when the status of each first contract in the first shared contract set is a completion status, it indicates that each transaction of each account opening sub-service is successfully executed in the first audit stage, and therefore, it can be confirmed that the audit in the first audit stage passes.

When the state of at least one first contract in the first shared contract set is a failure state, the first auditing stage audit is determined not to pass, namely, when any transaction fails to execute, the first auditing stage audit is confirmed not to pass.

In some embodiments, the first reviewing stage includes a consensus sub-stage, and FIG. 5 schematically illustrates a flowchart for updating a status of the first contract according to an embodiment of the disclosure, where, as shown in FIG. 5, step S231 includes steps S2311 through S2312. In the consensus sub-phase:

in step S2311, a second shared contract set is formed according to a second contract sent by at least one first node, where the second contract corresponds to one first contract.

At step S2312, the state of the first contract corresponding to the second contract in each first node is updated based on the consensus mechanism according to each second contract in the second set of shared contracts.

Wherein the second contract comprises: after the first node executes the transaction executed by the first node, according to the execution sub-result of the transaction, the first node preliminarily updates the state of the first contract corresponding to the transaction in the first node to obtain a contract.

In the embodiment of the present disclosure, step S2311 and step S2312 may be performed by a second node in the block chain, and optionally, the second node may be a central node.

After executing the transaction executed by the first node, each first node preliminarily updates a first contract corresponding to the transaction in the first node to obtain a second contract, and sends the second contract to the second node. The second node firstly stores the received second contract into the memory, and in the consensus sub-stage, the second node packs the second contract stored in the consensus sub-stage into a second shared contract set and spreads the second contract set to all the first nodes.

After all the first nodes receive the second shared contract set, comparison and verification can be carried out based on a common recognition mechanism, meanwhile, a third contract set approved by the first nodes is sent to other first nodes, all the first nodes finally reach an agreement about the third contract set through multi-round sending and comparison, and then the agreed third contract set is stored in each first node as a new first contract set.

For example, for the first node B1, after the due diligence backlog generation transaction is successful, the first node B performs a preliminary update with respect to the first contract C1 to obtain a second contract D1, and sends the second contract D1 to the second node. The second node continues to collect the second contract in the consensus sub-phase. When the second node collects the second contract D1 in the consensus sub-phase, the second contract D1 is packaged into a second shared contract set and broadcast to each first node, namely, the first node B1 to the first node B6, and the first node B1 to the first node B6 update the stored first contract C1 based on the consensus mechanism, and for each first node, a third contract set is formed by the updated first contract C1 and other first contracts (namely, the first contracts C2 to the first contracts C6), and the third contract set are sent and compared with each other until the third contract set is agreed, and the agreed third contract set is used as a new first contract set.

Fig. 6 schematically illustrates a second flowchart of an account opening service auditing method according to an embodiment of the present disclosure, and as shown in fig. 6, in some specific embodiments, the account opening service auditing method further includes steps S260 to S270.

In step S260, the execution sub-result of the transaction in each first node is verified according to the preset period.

In step S270, when the execution sub-result is verified, the execution sub-result is signed. When the verification fails, a corresponding prompt can be generated to inform relevant personnel.

In the embodiment of the present disclosure, the duration of the preset period may be determined according to actual needs, and is not limited herein. By regularly checking the execution sub-result of the transaction in each first node and performing signature verification, the first contract in the first shared contract set can be updated at the first time on the basis of ensuring the safety and reliability of data after the transaction is completed, and the validity of the first contract set is ensured.

Fig. 7a schematically illustrates a third flowchart of an account opening business auditing method according to an embodiment of the present disclosure, and as shown in fig. 7a, in some specific embodiments, the account opening business auditing method further includes steps S310 to S340 performed in a second auditing stage.

In step S310, the first key information in the account opening request is extracted.

In the embodiment of the present disclosure, the first key information may include, for example, relevant information of legal persons and enterprises, which is filled by the customer, and the first key information is used to provide a basis for networking check, agreement signing, and account opening involved in the account opening service.

In step S320, the first key information is verified in a networking manner.

In the embodiment of the disclosure, the first key information may be compared with data in a database of a relevant department, authenticity of information of enterprises and legal persons is verified, if the verification is passed, networking verification is confirmed to be passed, otherwise, networking verification is confirmed to be not passed, and at this time, relevant persons may be notified.

In step S330, after the networking verification is passed, an account opening protocol is generated according to the first key information and pushed to the user.

In step S340, in response to the feedback operation of the user on the account opening protocol, a first auditing stage is entered.

In the embodiment of the disclosure, the first key information may be automatically filled in the account opening protocol, the content of the protocol is displayed to the client, and the client signs the account opening protocol (i.e., feedback operation) after reading and agreeing to the content in the account opening protocol, so as to ensure the authenticity of the client's intention of opening an account. When the client signs the account opening agreement and enters the first examination stage, the client starts to execute each account opening sub-service.

In some embodiments, the at least one account opening sub-service includes an information entry transaction, and the account opening service auditing method further includes a third auditing stage, and after it is determined that the first auditing stage passes the auditing, the third auditing stage is entered. Fig. 7b schematically shows a fourth flowchart of an account opening service auditing method according to an embodiment of the present disclosure, and as shown in fig. 7b, the third auditing stage includes steps S410 to S440.

In step S410, second key information entered by the information entry transaction is extracted.

In the embodiment of the present disclosure, the second key information may include part of account opening information, such as an account opening approval number, for example.

In step S420, the second key information is supplemented according to a preset supplementary rule.

In the embodiment of the disclosure, whether the second key information is complete or not can be checked according to the content required by the account opening service, and if the second key information is complete, the second key information can be directly checked; if not, the missing information can be supplemented automatically or by a worker, and after the completion of the supplementation, step S430 is performed.

In step S430, the supplemented second key information is audited.

In step S440, when the supplemented second key information passes the audit, it is determined that the audit of the account opening service is completed, that is, the account opening is successful; otherwise, the account opening failure is informed.

In the embodiment of the disclosure, in the first auditing stage, the account opening sub-service which consumes longer time can be synchronously performed through the realization of the first shared contract set, thereby greatly shortening the account opening time. For example, in a conventional account opening service, a due diligence sub-service takes 5 hours, a counter sub-service takes 1 hour, and the due diligence sub-service must be performed after the counter sub-service is completed, so that it takes at least 6 hours to complete the due diligence sub-service and the counter sub-service together. By adopting the account opening business auditing method of the embodiment of the disclosure, based on the block chain, the validity of the first sharing contract set is ensured, and meanwhile, the due diligence sub-business and the counter sub-business can be synchronously performed through the first sharing contract set, so that the time spent for completing the due diligence sub-business and the counter sub-business can be shortened to 5 hours, and the time consumption is obviously reduced.

Based on the method for auditing the account opening service based on the block chain, the disclosure also provides an account opening service auditing device based on the block chain. The apparatus will be described in detail below with reference to fig. 8.

Fig. 8 schematically shows a block diagram of a block chain-based account opening service auditing apparatus according to an embodiment of the present disclosure, and as shown in fig. 8, the block chain-based account opening service auditing apparatus 800 of this embodiment includes a plurality of first nodes 810, a first processing module 820, a second processing module 830, and a third processing module 840.

In a first review stage:

the plurality of first nodes 810 are configured to execute a plurality of account opening sub-services according to an account opening request of a user, each account opening sub-service is executed by at least one first node of the block chain, and different account opening sub-services are executed by different first nodes. In an embodiment, the plurality of first nodes 810 may be configured to perform the step S210 described above, and are not described herein again.

The first processing module 820 is configured to form a first shared set according to the multiple account opening sub-services, where the first shared set is stored in each first node. In an embodiment, the first processing module 820 may be configured to perform the step S220 described above, which is not described herein again.

The second processing module 830 is configured to, after each account opening sub-service is executed, update the first shared contract set in each first node based on the consensus mechanism according to an execution result. In an embodiment, the second processing module 830 may be configured to perform the step S230 described above, and is not described herein again.

The third processing module 840 is configured to determine that the first review stage is approved when the first shared contract set meets a preset condition. In an embodiment, the third processing module 840 may be configured to perform the step S240 described above, which is not described herein again.

By adopting the checking device for account opening service based on the block chain, after any account opening sub-service is completed, the first shared contract set is updated, the first shared contract set is stored in each first node of the block chain, and the first shared contract sets in the first nodes are kept consistent based on a common identification mechanism, so that the first shared contract set has high reliability. On this basis, only when the first shared contract set meets a preset condition (for example, each contract in the first shared contract set is in a complete state, which indicates that all account opening sub-services are successfully executed), it is determined that the audit in the first audit stage passes, so that the comprehensiveness of the audit in the first audit stage is ensured.

According to an embodiment of the present disclosure, any plurality of the first node 810, the first processing module 820, the second processing module 830, and the third processing module 840 may be combined and implemented in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the first node 810, the first processing module 820, the second processing module 830 and the third processing module 840 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or in any one of three implementations of software, hardware and firmware, or in a suitable combination of any of them. Alternatively, at least one of the first node 810, the first processing module 820, the second processing module 830 and the third processing module 840 may be at least partly implemented as a computer program module, which when executed may perform a corresponding function.

As shown in fig. 9, an electronic apparatus 900 according to an embodiment of the present disclosure includes a processor 901 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. Processor 901 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 901 may also include on-board memory for caching purposes. The processor 901 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic apparatus 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. The processor 901 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the program may also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 900 may also include input/output (I/O) interface 905, input/output (I/O) interface 905 also connected to bus 904, according to an embodiment of the present disclosure. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input section 906 including a keyboard, mouse, and the like. Including an output portion 907 such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker and the like. A storage section 908 including a hard disk and the like. And a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.

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

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 902 and/or the RAM 903 described above and/or one or more memories other than the ROM 902 and the RAM 903.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for enabling the computer system to implement the auditing method for the block chain-based account opening business provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 901. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, and downloaded and installed through the communication section 909 and/or installed from the removable medium 911. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The computer program, when executed by the processor 901, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

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

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

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

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

Claims

1. An account opening service auditing method based on a block chain is characterized by comprising the following steps: in the first stage of the review,

2. The account opening service auditing method according to claim 1, where the account opening sub-service includes at least one transaction, each transaction is executed by one of the first nodes, different transactions are executed by different ones of the first nodes, and the forming a first shared contract set according to a plurality of the account opening sub-services includes: for each of said first nodes, the first node is,

3. The account opening service auditing method according to claim 2, where the execution result includes an execution sub-result of each transaction, and where after each account opening sub-service is executed, updating the first shared contract set in each first node based on a consensus mechanism according to the execution result includes:

4. The account opening service auditing method according to claim 3, where the preset conditions include: the status of each of the first contracts in the first set of shared contracts is the completed status; the account opening business auditing method further comprises the following steps:

5. The account opening service auditing method according to claim 3, wherein the first auditing stage includes a consensus sub-stage, and the updating the state of the first contract corresponding to the transaction in each first node based on the consensus mechanism according to the execution sub-result of at least one of the transactions includes: in the sub-phase of the consensus as described,

6. The account opening service auditing method of claim 3, characterized in that the account opening service auditing method further comprises:

7. The account opening service auditing method according to any one of claims 1 to 6, characterized in that the account opening service auditing method further comprises: in a second review stage:

extracting first key information in the account opening request;

performing networking verification on the first key information;

8. The account opening business auditing method according to any one of claims 1 to 6, where at least one of the account opening sub-businesses comprises an information entry transaction, the account opening business auditing method further comprising:

in the third audit phase:

auditing the supplemented second key information;

9. An account opening business auditing device based on a block chain is characterized by comprising: the system comprises a plurality of first nodes, a first processing module, a second processing module and a third processing module;

in the first stage of the review,

10. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the account opening service auditing method according to any one of claims 1-8.

11. A computer-readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform an account opening service auditing method according to any one of claims 1-8.

12. A computer program product comprising a computer program which, when executed by a processor, implements an account opening service auditing method according to any one of claims 1-8.