CN116596485A - Funds reporting system and method based on intelligent contract - Google Patents

Funds reporting system and method based on intelligent contract Download PDF

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Publication number
CN116596485A
CN116596485A CN202310872081.3A CN202310872081A CN116596485A CN 116596485 A CN116596485 A CN 116596485A CN 202310872081 A CN202310872081 A CN 202310872081A CN 116596485 A CN116596485 A CN 116596485A
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Prior art keywords
client
reporting
amount
audit
intelligent contract
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魏永强
罗攀峰
曾纪才
雷瑞恒
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Beijing Ctj Info Tech Co ltd
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Beijing Ctj Info Tech Co ltd
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Priority to CN202310872081.3A priority Critical patent/CN116596485A/en
Publication of CN116596485A publication Critical patent/CN116596485A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/10Office automation; Time management
    • G06Q10/103Workflow collaboration or project management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

Abstract

The invention provides a fund reporting system and method based on intelligent contracts, and relates to the technical field of financial subsidy management. The system comprises a first client, a first auditing end, a second auditing end and a second client. In response to the first evaluation result, sending a declaration material of a first amount to be declared to a first audit terminal through a first client; the method comprises the steps that a first checking end checks a reporting material, and generates a reporting money plan and sends the reporting money plan to a second checking end; and sending the declaration money plan to a second client through a second auditing end, and issuing the first amount to a second digital RMB account of the first client through the second client. By combining the intelligent contracts and the digital RMB, the automatic application, auditing and issuing of the enterprise subsidy are realized, and the subsidy reporting process is more efficient and convenient.

Description

Funds reporting system and method based on intelligent contract
Technical Field
The invention relates to the technical field of financial subsidy management, in particular to a financial reporting system and method based on intelligent contracts.
Background
In the process of issuing various subsidies in the financial field, the flow is more complicated, various management problems, such as irregular funds issuing, wrong issuing and the like, are easy to occur through manual auditing, and meanwhile, the efficiency is lower.
Therefore, how to improve the efficiency and safety of the fund reporting process is a technical problem to be solved.
Disclosure of Invention
The present invention aims to solve at least one of the technical problems in the related art to some extent.
Therefore, the invention aims to provide a fund reporting system and method based on intelligent contracts so as to realize safe and efficient automatic management of enterprise subsidies.
In order to achieve the above object, an embodiment of a first aspect of the present invention provides an intelligent contract-based fund reporting system, where the system includes a first client, a first audit terminal, a second audit terminal, and a second client;
the first client is used for responding to the first evaluation result and sending a declaration material of a first amount to be declared to the first auditing end; the first evaluation result is used for indicating that the first client side meets the requirement of reporting the first amount;
the first audit terminal is used for calling an audit intelligent contract to audit the reporting material, responding to the passing of the audit, generating a reporting money plan according to a first amount to be reported and a corresponding reporting type which are included in the reporting material, and sending the reporting money plan to the second audit terminal;
The second checking terminal is used for sending the declaration money plan to the second client;
the second client is configured to determine, for a declaration type corresponding to a first amount to be declared of the first client included in the declaration payment plan, a first digital rmb account of the second auditing end and a second digital rmb account of the first client corresponding to the declaration type, and issue the first amount from the first digital rmb account to the second digital rmb account according to a subsidy intelligent contract.
To achieve the above object, according to a second aspect of the present invention, there is provided another smart contract-based fund reporting method, which is applied to the above-mentioned smart contract-based fund reporting system, including the following steps:
the method comprises the steps that a first client responds to a first evaluation result, and a first material to be declared is sent to a first audit terminal; the first evaluation result is used for indicating that the first client side meets the requirement of reporting the first amount;
the method comprises the steps that an audit intelligent contract is called through a first audit terminal to audit the reporting material, and a reporting money plan is generated and sent to a second audit terminal according to a first amount to be reported and a corresponding reporting type which are included in the reporting material and pass the audit;
The declaration money plan is sent to a second client through a second auditing end;
and determining a first digital RMB account of the second auditing end and a second digital RMB account of the first client corresponding to a declaration type corresponding to a first amount to be declared of the first client included in the declaration payment plan through a second client, and issuing the first amount from the first digital RMB account to the second digital RMB account according to a subsidy intelligent contract.
To achieve the above object, an embodiment of a third aspect of the present invention provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the program to implement the above-mentioned intelligent contract-based fund reporting method.
To achieve the above object, a fourth aspect of the present invention provides a computer-readable storage medium, which when executed by a processor of an electronic device, enables the electronic device to perform the above-mentioned proposed fund reporting method based on smart contracts.
The invention at least has the following beneficial effects:
the invention provides a fund reporting system based on intelligent contracts, which comprises the steps of firstly responding to a first evaluation result, and sending reporting materials of a first amount to be reported to a first checking terminal through a first client; then, the first auditing end invokes an auditing intelligent contract to audit the reporting material, generates a reporting money plan according to the first amount and the reporting type included in the reporting material and sends the reporting money plan to the second auditing end; and then the second auditing end sends the declaration money plan to the second client end, the second client end determines the corresponding first digital RMB account through the declaration type of the first client end, and finally, the first amount of money is issued from the first digital RMB account to the second digital RMB account of the first client end according to the subsidy intelligent contract. By combining the intelligent contracts and the digital RMB, the automatic application, auditing and issuing of the enterprise subsidy are realized, and the subsidy reporting process is more efficient and convenient.
Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.
Drawings
The foregoing and/or additional aspects and advantages of the invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings, in which:
FIG. 1 is a schematic diagram of a fund reporting system based on smart contracts according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of another implementation flow of a fund reporting platform based on smart contracts according to an embodiment of the present invention;
FIG. 3 is a flow chart of another intelligent contract-based fund reporting method according to an embodiment of the present invention.
Detailed Description
Embodiments of the present invention are described in detail below, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to like or similar elements or elements having like or similar functions throughout. The embodiments described below by referring to the drawings are illustrative and intended to explain the present invention and should not be construed as limiting the invention.
The following describes a fund reporting system and method based on intelligent contracts according to an embodiment of the present invention with reference to the accompanying drawings.
Fig. 1 is a schematic diagram of a fund reporting system based on an intelligent contract according to an embodiment of the present invention.
The existing digital RMB standard has no rule of intelligent contract and cannot be expanded from the bottom layer.
In view of this problem, an embodiment of the present invention provides an intelligent contract-based fund reporting system to implement safe and efficient automated management of enterprise subsidies, as shown in fig. 1, where the intelligent contract-based fund reporting system 100 includes a first client 101, a first audit terminal 102, a second audit terminal 103, and a second client 104.
The first client 101 is configured to send, to a first audit terminal, a declaration material of a first amount to be declared in response to acquiring a first evaluation result; the first evaluation result is used for indicating that the first client side meets the requirement of reporting the first amount.
Alternatively, the reporting material needs to be determined based on a requirement of a reporting amount defined by the subsidized smart contract, which may be a related policy requirement.
When the request for reporting the first amount is satisfied, a corresponding first evaluation result can be obtained, and therefore, the reporting material is transmitted to the first audit terminal in response to the obtained first evaluation result.
As one possible implementation manner, the first auditing end generates a first evaluation result based on the evaluation intelligent contract and sends the first evaluation result to the first client end.
As another possible implementation manner, after the first auditing end generates the first evaluation result based on the evaluation intelligent contract, the first client end obtains the first evaluation result by means of query and the like.
Alternatively, the reporting material may include: enterprise basic information, financial statements, subsidy application files, innovation capability proving materials, subsidy project implementation, and the like.
Optionally, the manner of submitting the declaration material to the first audit terminal may be online or offline, and the specific submitting manner is determined according to the specification of the first audit terminal.
Optionally, the user logged in by the first client may be an enterprise or a person, the user logged in by the first audit may be a staff member in a related audit department, and the audit content may include whether the application material is complete, whether the application material meets the related regulations, and so on.
For example, when the enterprise declares the environmental patch, the user logged in by the first audit terminal may be a staff member in the environmental department.
The first auditing end 102 is configured to invoke an audit intelligent contract to audit the reporting material, generate a reporting payment plan according to a first amount to be reported and a corresponding reporting type included in the reporting material in response to the audit passing, and send the reporting payment plan to the second auditing end.
The first auditing end audits the reporting materials provided by the reporting enterprise, and generates a reporting money plan under the condition that the auditing passes.
Alternatively, in the case where the types of declarations of the first amounts to be declared of the plurality of first clients are the same, the declaration money plan may be generated from the declaration materials of the plurality of first clients.
And the second audit terminal 103 is used for sending the declaration and payment plan to the second client.
Alternatively, the user logged on at the second audit may be a staff member in a financial institution and the user logged on at the second client may be a staff member in a financial institution (e.g., a bank).
The second client 104 is configured to determine, for a reporting type corresponding to a first amount to be reported of the first client included in the reporting payment plan, a first digital RMB account of a second audit terminal corresponding to the reporting type, and issue the first amount from the first digital RMB account to a second digital RMB account of the first client according to the subsidy smart contract.
Optionally, the first digital rennet account is a designated account that issues subsidized funds to one or more first clients of the same reporting type; the second digital RMB account is a designated account for the first client to collect subsidized funds.
After the first digital RMB account and the second digital RMB account corresponding to the first client are determined, the second client issues subsidized funds to the second digital RMB account from the corresponding first digital RMB account according to rules defined by the subsidized intelligent contract, and the amount of the subsidized funds is the first amount declared by the first client. The rules include payment rules such as payment means, payment object, and size of payment amount.
It should be noted that, the auditing intelligent contract and the subsidy intelligent contract are constructed according to the application scenario of the declared funds or the declared subsidy, and as an implementation manner, the enterprise and the related financial department call corresponding contract templates through the intelligent contract management platform, and fill in the related contract information on the corresponding contract templates to generate the corresponding intelligent contract. And after the security evaluation of each intelligent contract is completed, the intelligent contract is issued to related departments, enterprises or individuals through an operation mechanism to sign and execute. Wherein, different intelligent contracts limit corresponding processes and rules to realize the improvement of efficiency and safety in the process of fund reporting.
In the embodiment, firstly, in response to obtaining a first evaluation result, a first client sends a declaration material of a first amount to be declared to a first audit terminal; then, the first auditing end invokes an auditing intelligent contract to audit the reporting material, generates a reporting money plan according to the first amount and the reporting type included in the reporting material and sends the reporting money plan to the second auditing end; and then the second auditing end sends the declaration money plan to the second client end, the second client end determines the corresponding first digital RMB account through the declaration type of the first client end, and finally, the first amount of money is issued from the first digital RMB account to the second digital RMB account of the first client end according to the rule defined by the subsidizing intelligent contract. By combining the intelligent contracts and the digital RMB, the automatic application, auditing and issuing of the enterprise subsidy funds are realized, and the funds reporting process is more efficient and convenient.
Based on the above embodiment, the present invention further provides a possible implementation manner of the fund reporting system based on the intelligent contract, where, based on the above embodiment, the first client 101 may be further configured to send, to the first audit terminal, a policy query request of a first amount to be reported.
The first client 101 may also be configured to determine a self-evaluation material according to policy information and transmit the self-evaluation material to the first review terminal.
The first auditing end 102 may be further configured to invoke a policy analysis intelligent contract according to the policy query request to perform policy query and analysis, obtain policy information corresponding to the first amount to be declared, and send the policy information to the first client.
The first auditing end 102 may be further configured to invoke an evaluation intelligent contract, evaluate the self-evaluating material according to an evaluation parameter and an evaluation criterion defined by the evaluation intelligent contract, obtain a first evaluation result or a second evaluation result, and send the first evaluation result or the second evaluation result to the first client; the second evaluation result is used for indicating that the first client side does not meet the requirement of reporting the first amount.
Optionally, the self-evaluation material is the result of the enterprise evaluating and evaluating itself according to its actual situation and development requirements. The self-evaluation can help enterprises to deeply understand own advantages and disadvantages, discover problems in time and improve the problems, so that the competitiveness and development ability of the enterprises are improved.
As one possible implementation, the self-evaluating material may be a self-evaluating report of a reporting enterprise.
As one possible implementation, the generation of the self-evaluation report may take the following steps:
evaluation targets and criteria are first determined. Enterprises need to determine evaluation targets and standards, such as sales, market shares, profit margins, etc., according to their own development targets and needs.
Information required for self-evaluation is then collected. Enterprises need to collect information related to evaluation goals and criteria, such as financial statements, product market analysis reports, employee feedback, and the like.
The information required for self-evaluation is then analyzed. Enterprises need to analyze and process the collected information to reach conclusions and evaluate results.
And finally, performing self-evaluation. The enterprise needs to evaluate and evaluate itself according to the analysis result, identify advantages and disadvantages, and list existing problems and improvement measures.
And generating a self-evaluation report of the enterprise as a self-evaluation material through the steps.
As one possible implementation manner, after receiving a policy query request submitted by a first client, the first audit receives the policy query request, invokes a policy analysis intelligent contract according to the policy query request, obtains policy information corresponding to a first amount to be declared, and sends the policy information to the first client. The first client determines self-evaluation materials according to the policy information and sends the self-evaluation materials to the first checking terminal. In response to obtaining a self-evaluation material submitted by the first client based on the policy query result, the first auditing terminal calls an evaluation intelligent contract according to the self-evaluation material, evaluates the self-evaluation material of the first client according to an evaluation parameter and an evaluation standard defined by the evaluation intelligent contract, and obtains a first evaluation result or a second evaluation result of the first client.
The first evaluation result is used for indicating that the first client side meets the requirement of reporting the first amount; the second evaluation result is used for indicating that the first client side does not meet the requirement of reporting the first amount.
Optionally, after receiving the second evaluation result, the user logged in by the first client may modify its own condition, resubmit the self-evaluation material, and acquire the evaluation result again.
Optionally, the intelligent contract can be constructed by a financial department according to the application scene of the enterprise subsidy, and the intelligent contract can be signed and executed by an operation mechanism, so that the enterprise can ensure the smooth implementation of the intelligent contract and ensure the benefit of the enterprise by analyzing and evaluating the related policy of the intelligent contract.
As a possible implementation manner, each smart contract in the embodiment of the present application is used after security evaluation, where a specific security evaluation includes:
1. intelligent contract security analysis.
Enterprises need to analyze and evaluate the security of intelligent contracts to ensure the security and reliability of the intelligent contracts. Security analysis includes checking the code of the smart contract for vulnerabilities, testing the smart contract for anti-attack capabilities, evaluating security risks of the smart contract, and the like.
2. Intelligent contract compliance analysis.
Enterprises need to analyze and evaluate compliance of smart contracts to ensure that the smart contracts meet local legal regulations and related policy requirements. Compliance analysis includes checking whether the smart contract meets local legal regulations, assessing legal risk of the smart contract, and the like.
3. Intelligent contract availability analysis.
Enterprises need to analyze and evaluate the availability of intelligent contracts to ensure that the intelligent contracts can normally run in actual operation. Availability analysis includes checking the deployment environment of the smart contract, testing the operability of the smart contract, and the like.
4. Intelligent contract regulatory analysis.
Enterprises need to analyze and evaluate the supervision of intelligent contracts to ensure that the supervision of intelligent contracts meets the requirements of local laws and regulations and related policies. The administrative analysis includes checking administrative specifications of the smart contracts, evaluating administrative risks of the smart contracts, and the like.
5. Intelligent contract maintenance analysis.
Enterprises need to analyze and evaluate the maintenance of the intelligent contracts to ensure that the intelligent contracts can run stably for a long time. Maintenance analysis includes checking maintenance plans for smart contracts, evaluating maintenance costs for smart contracts, and the like.
Optionally, the evaluation intelligent contract defines an audit rule, and the first audit terminal invokes the evaluation intelligent contract to audit the self-evaluation material submitted by the enterprise based on the audit rule to obtain a first evaluation result or a second evaluation result of the self-evaluation material.
As one possible implementation, evaluating the content of the smart contract-defined audit of the self-evaluating material may include the following:
money usage planning: the enterprise is established to be used for the fund plan of the relevant investment project or business development according to the self operation condition and development requirement. The money plan needs to comprehensively consider factors such as financial conditions, fund demands, investment expectations and the like of enterprises so as to ensure the scientificity and rationality of fund use.
Fund use: it is clear which investment projects or business developments to use, including investment amount, investment deadline, expected revenue, etc.
Funding source: determining where funds for the investment are from, including owned funds, borrowing, stakeholder funds support, and the like.
Funding budget: detailed funds budgets are established according to the financial status of enterprises and investment plans, including annual investment budgets, monthly investment budgets, etc.
Risk assessment: and evaluating the self financial condition and investment risk of the enterprise, and making corresponding risk control measures to ensure the safety and the robustness of the investment.
Investment expectations: reasonable investment expectations are formulated according to market conditions and enterprise self conditions, and adjustment is carried out according to actual conditions.
The second client 104 may also be configured to open a first digital rmb account of the second audit terminal corresponding to the declaration type, and a second digital rmb account of the first client corresponding to the declaration type.
After generating the declaration money plans corresponding to the one or more first clients, the declaration money plans are sent to the second checking end, so that the second checking end checks the declaration money plans. And sending the declaration money consumption plan to the second client under the condition that the second auditing end audits to pass.
Optionally, the first digital rmb account may be set by the second checking terminal for different types of subsidy funds, where any type of subsidy funds is stored in the corresponding first digital rmb account.
Optionally, the declaration and use plan received by the second client may carry an account opening request sent by the second audit terminal, so that the second client opens the first digital rennet account of the second audit terminal and the second digital rennet accounts of each declaration enterprise corresponding to the declaration type according to the account opening request and the declaration type, and further, can implement the funds issue.
Optionally, the second checking terminal may apply for establishing a corresponding first digital rmb account at the second client according to the subsidy or the declaration type corresponding to the funds that can be issued, and establish a corresponding second digital rmb account at the second client according to the information and the declaration type of the first client carried in the declaration payment plan when receiving the declaration payment plan, and send the account opening information to the first client to implement the issuing of the funds.
Optionally, each enterprise performs subsidy fund reporting through the first client, and queries the opening result of the second digital RMB account.
The second client 104 may also be configured to invoke the subsidized smart contract and load the subsidized smart contract into the second digital RMB account of the first client and the first digital RMB account of the second audit.
Since the types of the declared funds are different, the corresponding declared materials are also different, the type of subsidy declared by the enterprise can be determined according to the declared materials, and the different subsidy types respectively correspond to different declared rules and different subsidy intelligent contracts.
Under the condition that the subsidy type is determined, a corresponding subsidy intelligent contract can be determined, optionally, the subsidy intelligent contract can limit fund use time, place, range and application, the subsidy intelligent contract is loaded to a second digital RMB account of the first client side and the first digital RMB account of the second auditing side, fund flow directions of the first digital RMB account and the second digital RMB account can be limited, and special money is ensured.
The first client 101 is further configured to send a request for use of funds in the second digital RMB account to the second client.
After the second client opens the account, the second auditing end dials money according to the declaration money using plan and sends a fund issuing request to the second client. And issuing corresponding declared funds to the second digital RMB account through the first digital RMB account, wherein the declared funds are first amounts declared by corresponding first clients.
In the event that the dialing is completed, the first client may send a request for use of funds in the second digital RMB account to the second client.
The second client 104 is further configured to audit the usage attribute corresponding to the usage request, and issue a second amount requested in the usage request according to an audit result; wherein the second amount is less than or equal to the first amount.
After receiving the use request of the first client, the second client examines the fund use time, place, range and purpose corresponding to the use request through the subsidy intelligent contract, and issues a second amount requested in the use request according to the examination result.
Further, the second client 104 is further configured to compare and audit the usage attribute carried in the usage request according to the fund usage rule defined by the subsidized smart contract, and issue a second amount from the second digital rendition account of the first client in response to the audit passing.
Because the intelligent subsidy contracts limit the fund use time, place, range and use, when enterprises need to use the subsidy funds, the enterprises send the subsidy funds use requests to the banks, when the fund use accords with the intelligent subsidy contracts, the banks send request confirmation information, respond to the request confirmation information sent by the banks, the corresponding deduction can be carried out by using the subsidy funds, and the corresponding subsidy funds deduction completion interface is displayed.
For example, an enterprise purchases a subsidized funds purchasable device at a merchant contracted by a subsidized smart contract, belonging to a subsidized smart contract, and funds are allowed to be used, i.e., funds are allowed to be issued to a digital RMB account of the corresponding merchant.
Further, the second client 104 is further configured to send a funds use reject message to the first client in response to the audit not being passed, prompting rejection of the second amount from the first client's second digital RMB account.
When the enterprise needs to use the subsidy funds, a subsidy funds use request is sent to a bank, and when the funds are not used in accordance with the subsidy intelligent contract, for example, the funds are used incorrectly or are stolen, the bank sends a request rejection message, and in response to the request rejection message sent by the bank being acquired, the subsidy funds cannot be normally deducted, and the subsidy funds are prompted to be unusable.
For example, if the enterprise purchases a product which is not agreed with other intelligent contracts, the enterprise considers that the intelligent contract is not in compliance with the subsidy intelligent contract, and the enterprise performs non-compliance use on the subsidy funds, and refuses to issue funds to the digital RMB account of the corresponding merchant.
The second client 104 is further configured to send, to the second auditing end, early warning information of abnormal use of the first amount in the first digital rmb account in response to the auditing failing.
If the verification fails, the fund is used incorrectly or stolen, the early warning is automatically performed, and the special fund and the fund safety are ensured.
In this embodiment, the usage of the subsidy funds is limited by the subsidy intelligent contract, so that the usage of the subsidy funds can be effectively standardized, and the random stealing of the subsidy funds is avoided.
In order to implement the above embodiment, the present invention further proposes a fund reporting platform based on smart contracts, and fig. 2 is a schematic flow chart of an implementation of the fund reporting platform based on smart contracts.
The fund reporting platform based on the intelligent contract is a decentralization platform based on a blockchain technology, and aims to realize transparent management of enterprise subsidy application and payment.
The intelligent contract is a core component of the platform, and can realize the management of the flow and logic of each link of enterprise subsidy application, audit, payment and the like. The intelligent contract can be realized through a blockchain, so that the safety and the correctness of the intelligent contract are ensured.
The smart contract invocation interface is an important component of the platform. Through the interface, the user can call the functions of the intelligent contract to realize operations such as patch application, audit, payment and the like.
The user interface is a user interaction interface of the platform, and can help a user upload, query, examine and approve and pay the subsidy application. The user interface may be implemented through a network interface or a mobile application.
In addition, the platform establishes a database to store user information, subsidy application information, audit information, payment information and other data. The data can be stored through the block chain, so that the safety and reliability of the data are ensured.
As shown in fig. 2, the following procedure can be implemented by the platform:
first, intelligent contract code needs to be written to ensure that the subsidy application process can be executed as expected. The intelligent contract code should include the flow and logic of each link of subsidized application, audit, payment, etc.
The composed smart contract code is then deployed onto a blockchain, such as an ethernet blockchain. In the deployment process, a specific blockchain node or a development tool is required to be used for verification and compiling, so that the correctness and the safety of the intelligent contract are ensured.
And then, the enterprise terminal prepares the materials to be declared, and after the materials to be declared are submitted, the intelligent appointment calls a corresponding interface or function to audit and confirm the materials to be declared. And if the audit is passed, automatically executing the subsidy payment operation by the intelligent closing date.
Finally, government authorities can track and monitor subsidy applications and payments through the calling records of intelligent contracts and the decentralization characteristics of blockchains. The transparency and compliance of the use of subsidy funds can be ensured.
In addition, the platform may also include an intelligent management department.
The intelligent management department is used for carrying out intelligent contract clearance, and the intelligent contract clearance flow can be roughly divided into the following steps:
intelligent contract auditing: after receiving an intelligent contract auditing request submitted by an enterprise, an intelligent contract administrator can audit the intelligent contract to ensure that the content of the intelligent contract accords with relevant laws and regulations and supervision requirements, and the information such as the amount, the purpose and the like of the intelligent contract is accurate.
And (3) money drawing: after the intelligent contract checking is passed, the intelligent management department generates corresponding fund money dialing certificates according to the intelligent contract content, and automatically dials the funds to the second digital RMB account.
Voucher receipt: before the intelligent contract administrator pays funds to the second digital RMB account, a corresponding certificate receipt is generated for recording the funds payoff condition and storing the funds payoff condition on the blockchain.
Funds clearing: the intelligent contract administrator can conduct corresponding funds clearing after funds are paid according to the intelligent contract rules, and the funds are ensured to arrive at the designated account accurately.
In combination, the intelligent management department is used for auditing intelligent contracts, dialing money, generating certificate receipt and issuing funds to the second digital RMB account. The intelligent contract clearing flow realizes automatic fund management and clearing, and improves the use efficiency and safety of fund.
In addition, the platform may also include a regulatory authority.
The supervision department can strengthen the supervision of the financial subsidies through the social public and intelligent contract transparentizing platform so as to ensure the fairness, transparency and high efficiency of the financial subsidies.
Specifically, the supervision department can make public the relevant information of financial subsidies, including subsidized objects, subsidized amount, subsidized usage, etc. by establishing a social public platform. Meanwhile, the supervision department can also establish an intelligent contract transparentization platform to digitally manage and monitor the financial subsidy issuing process, so as to ensure the fairness and transparency of the financial subsidy.
On the intelligent contract transparentization platform, the supervision department can realize real-time monitoring and management of financial subsidies through intelligent contracts, including the payment of the subsidy amount, the examination of the subsidy object, the monitoring of subsidy distribution and the like. Meanwhile, the intelligent contract can ensure the fairness and transparency of financial subsidy through the decentralization characteristic of the block chain, and avoid the interference of human factors.
Through the social public and intelligent contract transparentization platform, the supervision of the financial subsidies can be enhanced by the supervision department, the fairness and transparency of the financial subsidies are improved, and the high-efficiency and reasonable utilization of the financial subsidies are ensured.
In conclusion, through setting up the fund reporting platform based on intelligent contract, can realize the transparent management to enterprise subsidy application and payment, improve the availability factor of subsidy fund, ensure the compliance and the fairness of subsidy application, trust and cooperation between enterprise and government also can be strengthened simultaneously.
Taking an example of an enterprise A reporting environment-friendly subsidy fund, the enterprise A is a user logged in by a first client, staff of an environment-friendly department is a user logged in by a first audit end, staff of a financial department is a user logged in by a second audit end, staff of a bank is a user logged in by a second client, and all processes are implemented through a fund reporting platform based on an intelligent contract as follows:
1. All enterprises reporting environmental protection subsidized funds first need to sign subsidized intelligent contracts in advance, and the signing parties are three parties: enterprises, environmental protection departments, and financial departments. The signing mode can be an electronic signature, and the enterprise clicks and agrees.
And 2, the enterprise A performs environment-friendly policy query, policy analysis and policy evaluation to generate self-evaluation materials for reporting the environment-friendly subsidy funds, and after the self-evaluation materials pass, the enterprise A submits the reporting materials for reporting the environment-friendly subsidy funds to an environment-friendly department for auditing, and the environment-friendly department examines all enterprises for reporting the environment-friendly subsidy funds, generates a reporting money plan and submits the reporting money plan to a local financial department.
3. The financial department gate issues the environmental protection subsidy fund to enterprises, and the flow is as follows:
the financial department sends a digital RMB fund payment request to the proxy bank in a mother-child wallet mode, namely, the financial department opens the mother wallet, a plurality of child wallets are arranged below the mother wallet, each child wallet Bao Dou represents a special fund, the special fund 1, the special fund 2, the special fund 3 and the special fund 4 and … …, and the special fund 2, the special fund 4 and the special fund … … are respectively stored in the corresponding first digital RMB account.
Taking the environmental protection subsidy fund declared by the enterprise A as an example, in the environmental protection subsidy fund paying process, environmental protection special funds are stored in corresponding first digital RMB accounts, after staff of an environmental protection department submits a declaration and use a plan, a plurality of second digital RMB accounts are opened for enterprises reporting environmental protection subsidy fund through a second client, and each second digital RMB account corresponds to one enterprise reporting environmental protection subsidy fund, for example, the second digital RMB account comprises the enterprise issuing environmental protection subsidy fund for the enterprise A.
4. The financial department requests a fund money-drawing plan special for the environmental protection subsidy to a bank, and requests execution of an intelligent subsidy contract, and after the bank receives an instruction of the financial department, the bank pays the digital RMB in the first digital RMB account corresponding to the fund of the environmental protection subsidy to the second digital RMB account corresponding to each enterprise which receives the fund of the environmental protection subsidy according to rules defined by the intelligent subsidy contract.
It should be noted that different declaration types may correspond to different subsidy intelligent contracts, or different declaration types may correspond to one total subsidy intelligent contract, that is, the total subsidy intelligent contract defines usage rules of various types of subsidy funds, where the usage rules at least include usage scenarios, usage objects, usage time limits, and the like. An enterprise receiving an enterprise subsidy, having made a subsidy smart contract signing, may execute the subsidy smart contract, and receipt of subsidy funds is legal.
The intelligent subsidy contract can limit the use time, place, range and application of the environmental protection subsidy funds, and the money is recovered after the money is not used up; the fund is used incorrectly or stolen to brush, and the intelligent contract for subsidy can automatically early warn; and simultaneously, the financial department receives early warning of abnormal money consumption.
5. When the enterprise A uses the environment-friendly subsidy funds and purchases environment-friendly equipment and materials, the subsidy intelligent contract is triggered to limit the enterprise A to use the environment-friendly subsidy funds.
In order to realize the embodiment, the invention also provides a fund reporting method based on the intelligent contract.
Fig. 3 is a schematic flow chart of a fund reporting method based on an intelligent contract according to an embodiment of the present invention.
As shown in fig. 3, the smart contract-based fund reporting method is applied to the smart contract-based fund reporting system, and includes the following steps:
step 301, in response to obtaining a first evaluation result, sending a declaration material of a first amount to be declared to a first audit terminal through a first client; the first evaluation result is used for indicating that the first client side meets the requirement of reporting the first amount.
And 302, auditing the materials to be declared by calling an audit intelligent contract through a first auditing end, generating a declaration money plan according to a first amount to be declared and a corresponding declaration type, which are included in the materials to be declared, and sending the declaration money plan to a second auditing end.
And step 303, sending the declaration money plan to the second client through the second auditing end.
Step 304, determining, by the second client, a first digital RMB account of the second audit terminal and a second digital RMB account of the first client corresponding to a declaration type corresponding to a first amount to be declared of the first client included in the declaration payment plan, and issuing the first amount from the first digital RMB account to the second digital RMB account according to the subsidy intelligent contract.
Further, as a possible implementation manner, the fund reporting method based on the intelligent contract further includes:
sending a policy query request of a first amount to be declared to a first audit terminal through a first client;
invoking a policy analysis intelligent contract according to the policy query request by a first auditing end to perform policy query and analysis to obtain policy information corresponding to a first amount to be declared, and sending the policy information to a first client;
determining a self-evaluation material according to the policy information through the first client, and sending the self-evaluation material to the first checking terminal;
the method comprises the steps that an evaluation intelligent contract is called through a first auditing end, a self-evaluation material is evaluated according to evaluation parameters and evaluation standards defined by the evaluation intelligent contract, a first evaluation result or a second evaluation result of a first client is obtained, and the first evaluation result or the second evaluation result is sent to the first client; the second evaluation result is used for indicating that the first client side does not meet the requirement of reporting the first amount.
A first digital RMB account of a second auditing end corresponding to the declaration type and a second digital RMB account of the first client corresponding to the declaration type are opened through the second client;
calling the subsidized intelligent contract through the second client, and loading the subsidized intelligent contract to the second digital RMB account of the first client and the first digital RMB account of the second checking end.
Sending a request for using funds in the second digital RMB account to the second client through the first client;
auditing the use attribute corresponding to the use request through a second client, and issuing a second amount requested in the use request according to an auditing result; wherein the second amount is less than or equal to the first amount.
And checking the use attribute carried in the use request through the second client according to the fund use rule defined by the subsidized intelligent contract, and issuing a second amount from the second digital RMB account of the first client in response to the checking pass.
And sending a fund use rejection message to the first client by the second client in response to the audit failing, prompting to reject the issuance of the second amount from the second digital RMB account of the first client.
And responding to the failure of the audit through the second client, and sending early warning information of abnormal use of the first amount in the first digital RMB account to the second audit.
It should be noted that the foregoing explanation of the embodiment of the smart contract-based funds reporting system is also applicable to the smart contract-based funds reporting method of this embodiment, and will not be repeated here.
In order to implement the above embodiment, the present invention further provides an electronic device, including a memory, a processor, and a computer program stored in the memory and capable of running on the processor, where the processor implements the foregoing smart contract-based fund reporting method when executing the program.
To achieve the above embodiments, the present invention also proposes a non-transitory computer-readable storage medium, which when executed by a processor of an electronic device, enables the electronic device to perform the aforementioned smart contract-based fund reporting method.
In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms are not necessarily directed to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, the different embodiments or examples described in this specification and the features of the different embodiments or examples may be combined and combined by those skilled in the art without contradiction.
Furthermore, the terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In the description of the present invention, the meaning of "plurality" means at least two, for example, two, three, etc., unless specifically defined otherwise.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and additional implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order from that shown or discussed, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present invention.
Logic and/or steps represented in the flowcharts or otherwise described herein, e.g., a ordered listing of executable instructions for implementing logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). In addition, the computer readable medium may even be paper or other suitable medium on which the program is printed, as the program may be electronically captured, via, for instance, optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner, if necessary, and then stored in a computer memory.
It is to be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above-described embodiments, the various steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. As with the other embodiments, if implemented in hardware, may be implemented using any one or combination of the following techniques, as is well known in the art: discrete logic circuits having logic gates for implementing logic functions on data signals, application specific integrated circuits having suitable combinational logic gates, programmable Gate Arrays (PGAs), field Programmable Gate Arrays (FPGAs), and the like.
Those of ordinary skill in the art will appreciate that all or a portion of the steps carried out in the method of the above-described embodiments may be implemented by a program to instruct related hardware, where the program may be stored in a computer readable storage medium, and where the program, when executed, includes one or a combination of the steps of the method embodiments.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing module, or each unit may exist alone physically, or two or more units may be integrated in one module. The integrated modules may be implemented in hardware or in software functional modules. The integrated modules may also be stored in a computer readable storage medium if implemented in the form of software functional modules and sold or used as a stand-alone product.
The above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, or the like. While embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are illustrative and not to be construed as limiting the invention, and that variations, modifications, alternatives and variations may be made to the above embodiments by one of ordinary skill in the art within the scope of the invention.

Claims (10)

1. A fund reporting system based on intelligent contracts, which is characterized by comprising a first client, a first auditing end, a second auditing end and a second client;
the first client is used for responding to the first evaluation result and sending a declaration material of a first amount to be declared to the first auditing end; the first evaluation result is used for indicating that the first client side meets the requirement of reporting the first amount;
the first audit terminal is used for calling an audit intelligent contract to audit the reporting material, responding to the passing of the audit, generating a reporting money plan according to a first amount to be reported and a corresponding reporting type which are included in the reporting material, and sending the reporting money plan to the second audit terminal;
The second checking terminal is used for sending the declaration money plan to the second client;
the second client is configured to determine, for a declaration type corresponding to a first amount to be declared of the first client included in the declaration payment plan, a first digital rmb account of the second auditing end and a second digital rmb account of the first client corresponding to the declaration type, and issue the first amount from the first digital rmb account to the second digital rmb account according to a subsidy intelligent contract.
2. The system of claim 1, wherein,
the first client is further configured to send, to the first auditing end, the policy query request for the first amount to be declared;
the first checking terminal is further used for calling a policy analysis intelligent contract according to the policy query request to perform policy query and analysis, obtaining policy information corresponding to the first amount to be declared, and sending the policy information to the first client;
the first client is further configured to determine a self-evaluation material according to the policy information, and send the self-evaluation material to the first audit terminal;
The first checking terminal is further used for calling an evaluation intelligent contract, evaluating the self-evaluation material according to evaluation parameters and evaluation standards defined by the evaluation intelligent contract to obtain a first evaluation result or a second evaluation result of the first client, and sending the first evaluation result or the second evaluation result to the first client; and the second evaluation result is used for indicating that the first client side does not meet the requirement of reporting the first amount.
3. The system of claim 1, wherein,
the second client is further used for opening a first digital RMB account of the second auditing end corresponding to the declaration type and a second digital RMB account of the first client corresponding to the declaration type;
the second client is further used for calling the subsidy intelligent contract, loading the subsidy intelligent contract to the second digital RMB account of the first client and the first digital RMB account of the second auditing end.
4. The system of claim 1, wherein,
the first client is further used for sending a request for using funds in the second digital RMB account to the second client;
The second client is further configured to audit the usage attribute corresponding to the usage request, and issue a second amount requested in the usage request according to an audit result; wherein the second amount is less than or equal to the first amount.
5. The system of claim 4, wherein,
and the second client is further used for auditing the use attribute carried in the use request according to the fund use rule defined by the subsidy intelligent contract, and issuing the second amount from the second digital RMB account of the first client in response to the auditing pass.
6. The system of claim 4, wherein,
and the second client is further used for sending a fund use rejection message to the first client in response to the failure of the audit, and prompting to reject the issuing of the second amount from the second digital RMB account of the first client.
7. The system of claim 4, wherein,
and the second client is further used for sending early warning information of abnormal use of the first amount in the first digital RMB account to the second auditing end in response to the auditing failing.
8. A smart contract-based fund reporting method, applied to the system of any one of claims 1-7;
the method comprises the steps that a first client responds to a first evaluation result, and a first material to be declared is sent to a first audit terminal; the first evaluation result is used for indicating that the first client side meets the requirement of reporting the first amount;
the method comprises the steps that an audit intelligent contract is called through a first audit terminal to audit the reporting material, and a reporting money plan is generated and sent to a second audit terminal according to a first amount to be reported and a corresponding reporting type which are included in the reporting material and pass the audit;
the declaration money plan is sent to a second client through a second auditing end;
and determining a first digital RMB account of the second auditing end and a second digital RMB account of the first client corresponding to a declaration type corresponding to a first amount to be declared of the first client included in the declaration payment plan through a second client, and issuing the first amount from the first digital RMB account to the second digital RMB account according to a subsidy intelligent contract.
9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the method of claim 8 when the program is executed.
10. A non-transitory computer-readable storage medium, wherein instructions in the storage medium, when executed by a processor of an electronic device, enable the electronic device to perform the method of claim 8.
CN202310872081.3A 2023-07-17 2023-07-17 Funds reporting system and method based on intelligent contract Pending CN116596485A (en)

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