CN117808595A

CN117808595A - Method, device and system for anchoring monetary funds by data elements

Info

Publication number: CN117808595A
Application number: CN202410050037.9A
Authority: CN
Inventors: 谢冬水; 谢雨汐; 吴新月
Original assignee: Individual
Current assignee: Individual
Priority date: 2024-01-12
Filing date: 2024-01-12
Publication date: 2024-04-02

Abstract

The invention provides a method, a device and a system for anchoring money and funds by a data element, which designs a novel ISO8583 message, wherein the message is expanded while inheriting the characteristics of a general standard ISO8583 message protocol, so that the delivery information of the data element and the money and funds transaction information are integrated, the mutual operation between the transaction information of the money and funds transaction and the delivery information of the data element is supported, the data element is anchored to the money and funds transaction in one data element circulation transaction, the information consistency of the money and funds transaction and the data element delivery is ensured in a quasi-real-time asynchronous manner, the proposal of the present disclosure can complete the synchronous implementation of the money and funds transaction and the data element delivery at one time, so that the data element can anchor the money and funds in a marketization mode, the device of the present disclosure can be deployed by single software, can be deployed by large, medium and small terminal equipment with soft and hard integration, and has the characteristic of market popularization.

Description

Method, device and system for anchoring monetary funds by data elements

Technical Field

The present disclosure relates to the field of data processing, and discloses a method, a device and a system for anchoring monetary funds by data elements.

Background

In the existing data element circulation transaction, the money and fund transaction and the data element delivery are generally carried out on-line and off-line separately or are completed through loose coupling mapping, and the data element delivery and the money and fund transaction cannot be anchored mutually in the processing mode, so that two inconsistent cases are formed, meanwhile, the data asset entry difficulty and the data asset audit difficulty are caused, and the large-scale and generalized promotion of the data element market is not facilitated. In addition, the existing data element circulation transaction processing mode cannot monitor macroscopic reflection of the data element market and the money and funds market at the same time with high efficiency, and high-quality development of digital economy is hindered. Moreover, the existing data element circulation transaction processing mode can not be used for popularizing large, medium and small institutions or enterprises until individuals arrive at the same time, so that convenient interoperation of data element circulation transactions across data main bodies and across region main bodies can not be realized.

Disclosure of Invention

The present disclosure provides at least a method, apparatus and system for anchoring monetary funds with a data member to address at least one of the above-mentioned problems.

According to an aspect of the present disclosure, there is provided a method of anchoring monetary funds by a data member, applied to a coin-counting anchoring terminal system, comprising:

Acquiring a storage handle required by data element downloading required by an intelligent contract sent by a data element circulation trading platform and a data element demander; wherein the intelligent contract comprises transaction information of commercial transactions achieved by the data element demander and the data element provider;

storing the storage handle, analyzing the intelligent contract, and constructing a monetary funds transaction channel according to the analyzed information;

constructing a novel ISO8583 message according to the analysis result of the intelligent contract and the novel ISO8583 message protocol characteristics; wherein, the new type ISO8583 message adds a preset number of bitmaps after the bitmaps of the standard ISO8583 message, which are used for recording the delivery information of the data elements; the standard ISO8583 message is used for recording monetary funds transaction information;

according to the novel ISO8583 message protocol characteristics and the standard ISO8583 message protocol characteristics, converting the novel ISO8583 message into a standard ISO8583 message;

transmitting a monetary funds transaction instruction to a banking platform according to the information recorded in the standard ISO8583 message and the monetary funds transaction channel, so that the banking platform completes funds delivery;

according to the information recorded in the novel ISO8583 message, sending a data element delivery instruction to a digital linkage platform so that the digital linkage platform finishes data element delivery;

Performing coin counting consistency reconciliation operation according to the novel ISO8583 message, the standard ISO8583 message and the information obtained by analyzing the intelligent contract;

under the condition that abnormality occurs in the process of currency delivery and data element delivery or in the process of converting a novel ISO8583 message into a standard ISO8583 message, modifying the transaction type of the standard ISO8583 message so as to initiate currency fund transaction positive, and realizing zero regression of data element circulation transaction operation behaviors.

In one possible implementation, the new ISO8583 message includes a first type bitmap in 128 bits binary and a second type bitmap in 64 bits binary; wherein the first type of bitmap is used for recording monetary funds transaction information and the second type of bitmap is used for recording delivery information of the data elements.

In one possible implementation manner, the new ISO8583 packet is converted into a standard ISO8583 packet, which includes:

analyzing the header of the novel ISO8583 message, and intercepting the information of the first 32 bits of the 16-system bitmap to obtain currency transaction information;

replacing a 48-bit 16-system bitmap of the novel ISO8583 message by using the currency transaction information to obtain an initial standard ISO8583 message;

Modifying the header of the initial standard ISO8583 message according to the metadata information of the initial standard ISO8583 message to obtain the standard ISO8583 message;

and detecting the validity of the obtained standard ISO8583 message by utilizing the protocol characteristics of the standard ISO8583 message, and determining that the obtained standard ISO8583 message is a final standard ISO8583 message under the condition that the obtained standard ISO8583 message is valid.

In one possible embodiment, the method for anchoring monetary funds by the data member further comprises:

uploading the intelligent contract, information obtained by analyzing the intelligent contract, the novel ISO8583 message, the standard ISO8583 message, information of fund delivery and information of data element delivery to an external block chain system for storage.

In one possible implementation, the storing the storage handle includes:

storing the storage handle into a data element storage handle buffer pool;

the method of anchoring monetary funds by the data element further comprises:

the data element demander acquires the storage handle from the data element storage handle buffer pool, determines a downloading address and an access token of the data element according to the storage handle, and downloads the required data element according to the downloading address and the access token.

In one possible implementation, the parsing the smart contract includes:

under the condition that the intelligent contract is a structured contract, analyzing the intelligent contract according to a data element contract mode;

in the case where the smart contract is approximately an unstructured contract, the smart contract is parsed using OCR recognition technology and NLP semantic analysis technology.

According to another aspect of the present disclosure there is provided an apparatus for anchoring monetary funds by a data member, for use in a coin-counting anchoring terminal system, comprising:

the intelligent contract management module is used for acquiring intelligent contracts sent by the data element circulation transaction platform and storage handles required by data element downloading required by a data element demand party and analyzing the intelligent contracts; wherein the intelligent contract comprises transaction information of commercial transactions achieved by the data element demander and the data element provider;

the electronic payment fund channel management module is used for constructing a monetary fund transaction channel and managing configuration information of the monetary fund transaction channel with the Unionpay platform and the data element operation main body financial system according to the information obtained by analyzing the intelligent contract,

the data element storage handle buffer pool is used for storing the storage handle and automatically detecting and early warning whether the storage handle is stored in an encrypted mode or not;

A novel 8583 message generator for constructing a novel ISO8583 message according to the analysis result of the intelligent contract and the novel ISO8583 message protocol feature; wherein, the new type ISO8583 message adds a preset number of bitmaps after the bitmaps of the standard ISO8583 message, which are used for recording the delivery information of the data elements; the standard ISO8583 message is used for recording monetary funds transaction information;

the coin message converter is used for converting the novel ISO8583 message into a standard ISO8583 message according to the novel ISO8583 message protocol characteristics and the standard ISO8583 message protocol characteristics;

the automatic routing and transmitting module is used for transmitting a monetary funds transaction instruction to the Unionpay platform according to the information recorded in the standard ISO8583 message and the monetary funds transaction channel so as to enable the Unionpay platform to complete funds delivery; according to the information recorded in the novel ISO8583 message, sending a data element delivery instruction to a digital linkage platform so that the digital linkage platform finishes data element delivery;

the coin counting anchoring account checking module is used for carrying out coin counting consistency account checking operation according to the novel ISO8583 message, the standard ISO8583 message and the information obtained by analyzing the intelligent contract;

In one possible implementation manner, the device for anchoring the monetary funds by the data elements further comprises a blockchain node management module, a novel ISO8583 message management module, a standard ISO8583 message management module, a multi-channel system double-sign management module, a multi-channel system key management module and a data delivery security gateway;

the block link point management module is used for butting with an external block chain system, uploading the intelligent contract, information obtained by analyzing the intelligent contract, the novel ISO8583 message, the standard ISO8583 message, information of fund delivery and information of data element delivery to the external block chain system for storage, and managing a consensus mechanism;

the novel ISO8583 message management module is used for detecting the generated novel ISO8583 message based on the novel ISO8583 message protocol characteristics and encrypting and decrypting the novel ISO8583 message;

The standard ISO8583 message management module is used for detecting the generated standard ISO8583 message based on the standard ISO8583 message protocol characteristics and encrypting and decrypting the standard ISO8583 message;

the multi-channel system double-sign management module is used for sign-in and sign-out management of the data element transaction circulation platform, the data element operation main body financial system and the digital linkage platform;

the multi-channel system key management module is used for key exchange and management among the digital linkage platform, the silver linkage platform, the data element transaction circulation platform and the data element operation main financial system;

the data delivery security gateway is used for zero trust API security gateway management when the data delivery security gateway is in butt joint with the digital connection platform, and security detection verification and access strategies except secret keys.

In a possible implementation manner, the automatic routing and transmitting module is further configured to manage a transmitting route with the digital link platform and the silver link platform, select a transmitting channel according to a transmitting protocol type, establish a TCPIP protocol handshake, and transmit and receive a message;

the coin-counting anchoring account checking module is further used for checking accounts of the novel ISO8583 message with the serial-parallel platform, checking accounts of the standard ISO8583 message with the parallel-parallel platform, checking accounts of intelligent contracts with the data element transaction circulation platform, and checking accounts of the intelligent contracts and the coin-counting anchoring running water details with the data element operation main body financial system.

According to another aspect of the present disclosure, there is provided a system for anchoring monetary funds with a data element, comprising:

a coin-counting anchor terminal system as claimed in any one of the preceding claims;

a data element demander according to any of the preceding claims;

a data element provider according to any one of the preceding claims;

a tandem platform as claimed in any one of the preceding claims;

a silver-linked platform as defined in any one of the preceding claims;

the data element distribution transaction platform according to any one of the above.

According to another aspect of the present disclosure, there is provided an electronic device comprising a memory, a processor and a computer program stored on the memory, the processor implementing the method of any one of the above when the computer program is executed.

According to another aspect of the present disclosure, there is provided a computer readable storage medium having stored therein a computer program which, when executed by a processor, implements the method of any one of the above.

The method and the device for anchoring the monetary funds by the data elements are designed to be novel ISO8583 messages, the messages are expanded while inheriting the general standard ISO8583 message protocol characteristics, the delivery information of the data elements and the monetary funds transaction information can be integrated, meanwhile, the interoperability between the transaction information of the monetary funds transaction and the delivery information of the data elements is supported, the data elements are anchored to the monetary funds transaction in one data element circulation transaction, the consistency of the information of the monetary funds transaction and the data element delivery is ensured in a quasi-real-time asynchronous manner, the proposal of the present disclosure can complete the synchronous implementation of the monetary funds transaction and the data element delivery at one time, so that the data elements can be anchored to the monetary funds in a marketization mode, the device of the present disclosure can be deployed by single software, can also be deployed by large, medium and small terminal equipment with soft and hard integration, and has the characteristic of market popularization. The technical blank that the data element technology is not realized in the current development process is effectively filled by the scheme disclosed by the invention by performing cross-boundary fusion on the financial technical field and the data element technical field.

It should be understood that the description in this section is not intended to identify key or critical features of the embodiments of the disclosure, nor is it intended to be used to limit the scope of the disclosure. Other features of the present disclosure will become apparent from the following specification.

Drawings

The drawings are for a better understanding of the present solution and are not to be construed as limiting the present disclosure. Wherein:

FIG. 1 is one of the flow charts of a method of anchoring monetary funds according to the data elements of the present disclosure;

FIG. 2A is a schematic diagram of a novel ISO8583 message according to embodiments of the present disclosure;

FIG. 2B is a schematic diagram of a standard ISO8583 message according to embodiments of the present disclosure;

FIG. 3 is a second flow chart of a method of anchoring monetary funds according to the data elements of the present disclosure;

FIG. 4 is a schematic diagram of an apparatus for anchoring monetary funds according to the data elements of the present disclosure;

FIG. 5 is a schematic diagram of a system for anchoring monetary funds according to the data elements of the present disclosure;

fig. 6 is a schematic structural view of an electronic device according to the present disclosure.

Detailed Description

Exemplary embodiments of the present disclosure are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present disclosure to facilitate understanding, and should be considered as merely exemplary. Accordingly, one of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present disclosure. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

The method, the device and the system for anchoring the money by the data elements are provided, the novel ISO8583 message is designed, the message inherits the general standard ISO8583 message protocol characteristics and is expanded, the delivery information of the data elements and the money transaction information can be integrated, the interoperability between the transaction information of the money transaction and the delivery information of the data elements is supported, the money transaction is anchored by the data elements in one data element circulation transaction, the consistency of the money transaction and the data element delivery information is ensured in a quasi-real-time asynchronous mode, the money transaction and the data element delivery can be synchronously implemented at one time, the money can be anchored by the data elements in a marketizing mode, the device can be deployed by independent software, and large, small and medium-sized terminal equipment with the integrated software and the market has the characteristics of market popularization. The technical blank that the data element technology is not realized in the current development process is effectively filled by the scheme disclosed by the invention by performing cross-boundary fusion on the financial technical field and the data element technical field.

First, a scenario to which the scheme of the present disclosure is applicable is exemplified, specifically as follows:

scene one: in the macro-development situation where the data element becomes a new production element, the demand side of the data element needs to pay a corresponding amount of monetary funds to the supplier of the data element in exchange for the required data element under the effect of the economic marketization configuration in the process of acquiring the data element. In this scenario, how to anchor monetary funds for data elements, i.e., "one-by-one money" (one-hand delivery and one-hand exchange), will become a new order for economic development in the process of data element marketing configuration reform.

Scene II: since the implementation of "twenty pieces of data" printing, the release of data element value has become a common requirement for the society after the release of policies such as entry of data assets into a table. The data elements, the currency elements, the land elements, the technical elements and the labor elements form five-large production elements for high-quality development of digital economy and interact together. Macroscopically, the monetary funds market is already quite mature and the data element market also requires continuous cultivation; in microscopic view, the data element market needs to actively connect with the money fund market, so that the data elements anchor the money fund, realize one money and one money, and establish a new economic development order in the process of data element market configuration reform.

Scene III: at present, the market size of the data elements is continuously increased, the wide utilization of the data elements in related industries and fields is continuously promoted to cultivate new quality productivity, and the synchronous realization of data element delivery and money and funds delivery (one coin) is an essential link in the production process of the data element market. For example, the financial institutions need to complete credit models by purchasing data elements in the fields of science and technology, environmental protection, endowment, medical treatment, social security and the like, assist in loan credit decision-making for small and medium-sized micro-enterprises, and reduce bad account rate of the financial institutions; for example, an individual sells a digital collection produced by himself under policy conditions, and needs to synchronously obtain monetary funds to the buyer of the digital collection while transferring rights and interests of the digital collection and information of data elements of the digital collection. In the two example scenarios, one is that the transaction parties need one coin and one coin, so that the legal rights and interests of the parties are ensured; and secondly, ensuring the clarity of economic activities such as data asset entry, tax ticket tax and the like through a plurality of coins.

It should be noted that the solution of the present disclosure is not limited to the above scenario, but is also applicable to any scenario where several pieces of anchoring are required.

The technical scheme of the present disclosure is described below by means of specific examples.

As shown in fig. 1, a flowchart of a method for anchoring monetary funds by a data member according to the present embodiment, in which the execution subject is a data-processing-capable monetary-anchoring terminal system, the method according to the present embodiment may include the steps of:

s110, acquiring a storage handle required by data element downloading required by an intelligent contract sent by a data element circulation trading platform; wherein the smart contract includes transaction information for a commercial transaction made by a data element demander and a data element provider.

The storage handle includes a download address and an access token of the data element.

Before this step is performed, the data element circulation trading platform needs to generate an intelligent contract from the commercial trading information of marketization achieved by the data element provider and the data element demander, and at the same time assemble the storage handle to be used for downloading the data element required by the data element demander, and then send the storage handle to the coin-counting anchor terminal system.

S120, storing the storage handle, analyzing the intelligent contract, and constructing a monetary funds transaction channel according to the analyzed information.

The storage handle may be stored in a data element storage handle buffer.

Under the condition that the intelligent contract is a structured contract, analyzing the intelligent contract according to a data element contract mode; in the case where the smart contract is approximately an unstructured contract, the smart contract is parsed using OCR recognition technology and NLP semantic analysis technology.

S130, constructing a novel ISO8583 message according to the analysis result of the intelligent contract and the novel ISO8583 message protocol characteristics; wherein, the new type ISO8583 message adds a preset number of bitmaps after the bitmaps of the standard ISO8583 message, which are used for recording the delivery information of the data elements; the standard ISO8583 message is used to record monetary funds transaction information.

Here, the new ISO8583 message may include a first type bitmap of 128 bits binary and a second type bitmap of 64 bits binary; wherein the first type of bitmap is used for recording monetary funds transaction information and the second type of bitmap is used for recording delivery information of the data elements. The first type bitmap of the 128-bit binary system is a bitmap of a standard ISO8583 message.

The novel ISO8583 message protocol feature is inheritance standard ISO8583 message protocol feature, and on the basis, a novel ISO8583 message is constructed, namely, the novel ISO8583 message is expanded on the original 128-bit binary bitmap, and then 64-bit binary bitmap is added for description of delivery information of a data element field.

S140, converting the novel ISO8583 message into a standard ISO8583 message according to the novel ISO8583 message protocol feature and the standard ISO8583 message protocol feature.

Specifically, as shown in fig. 2A and 2B, schematic diagrams of the new ISO8583 packet and the standard ISO8583 packet in the present embodiment are shown. In the example, the new ISO8583 message adds a third row of 64-bit binary bitmap in the binary bitmap, the usage method is the same as that of the bitmap of standard ISO8583, a total 192-bit binary bitmap is formed, in addition, the whole message body from "FLD 1" to "FLD 128" is the data field for carrying money and funds transaction information, inherits the standard ISO8583 message protocol feature, and from "FLD129" to "FLD 192" is the data field for the newly added data element delivery information. Since the standard ISO8583 message protocol features are generally formed by 16-ary character codes, the new ISO8583 message is converted into the standard ISO8583 message by taking 16-ary as an example:

firstly, the header of the novel ISO8583 message is analyzed, and the first 32 bits of information of the 16-system bitmap is intercepted according to the length of the money fund transaction information in the message, so that the money transaction information is obtained.

Here, the first 32 bits of the 16-bit bitmap, i.e. the 128-bit binary bitmap of the standard ISO8583 message, are truncated, which yields the bitmap information in the standard ISO8583 message carrying monetary funds transaction information.

And then, replacing the 48-bit 16-system bitmap of the novel ISO8583 message by using the currency transaction information to obtain the initial standard ISO8583 message.

This step enables the discarding of the data field information bitmap of the data element delivery.

And then, modifying the message header of the initial standard ISO8583 message according to the metadata information of the initial standard ISO8583 message to obtain the standard ISO8583 message.

The standard ISO8583 message obtained here is a complete standard ISO8583 message carrying monetary funds transaction information.

Finally, the validity of the obtained standard ISO8583 message is detected by utilizing the protocol characteristics of the standard ISO8583 message, and the obtained standard ISO8583 message is determined to be the final standard ISO8583 message under the condition that the obtained standard ISO8583 message is valid.

So far, the conversion from the novel ISO8583 message to the standard ISO8583 message is completed.

And S150, sending a monetary funds transaction instruction to the Unionpay platform according to the information recorded in the standard ISO8583 message and the monetary funds transaction channel so as to enable the Unionpay platform to complete funds delivery.

And S160, sending a data element delivery instruction to the digital linkage platform according to the information recorded in the novel ISO8583 message, so that the digital linkage platform finishes data element delivery.

S170, performing coin counting consistency reconciliation operation according to the novel ISO8583 message, the standard ISO8583 message and the information obtained by analyzing the intelligent contract.

Specifically, the accounting of the novel ISO8583 message is performed with the digital-to-analog platform, the accounting of the standard ISO8583 message is performed with the silver-to-analog platform, the accounting of the intelligent contract is performed with the data element transaction circulation platform, and the accounting of the intelligent contract and the coin-counting anchoring running water detail is performed with the data element operation main body financial system.

According to the embodiment, through a series of key flow combinations, after the funds transaction is completed, the data element transaction is completed in a quasi-real-time asynchronous mode, after the data element transaction operation is abnormal, the monetary funds transaction positive operation of the standard ISO8583 message can be initiated, zero regression of the data element circulation transaction operation behavior is achieved, the tight coupling characteristic of the integration of the data element transaction and the monetary funds transaction is achieved, and the consistency of the contents of the monetary funds transaction and the data element transaction is ensured.

The data element delivery and monetary funds transaction information is built in one message, so that mutual anchoring of the data element and the monetary funds is realized, the data asset can be checked according to the input form, and the data asset can be conveniently converted into a standard ISO8583 message, thereby facilitating consistent reconciliation of the data element delivery and the monetary funds transaction. Meanwhile, based on the domestic and international universality of the standard ISO8583 message, the data element circulation transaction standardization of the cross-data main body and the cross-region main body can be realized, the cross-border and cross-country data element circulation transaction standardization can be realized, and the problem of simultaneous monitoring of the quasi-real-time reflection of the data element market and the money and funds market from the macroscopic level is solved.

In some embodiments, the method of anchoring monetary funds by the data element further comprises the steps of:

In some embodiments, the method of the data element anchoring monetary funds may further comprise the steps of:

Uploading the intelligent contract, information obtained by analyzing the intelligent contract, the novel ISO8583 message, the standard ISO8583 message, information of fund delivery and information of data element delivery to an external block chain system for storage. By the aid of the method, credible and traceable source of the information data is achieved.

The method of anchoring monetary funds to a data element of the present disclosure is described by way of one embodiment, as shown in fig. 3, and includes the steps of:

step one, the data element circulation trading platform generates an intelligent contract according to the marketized business trading information achieved by the data element supplier and the data element demander, and meanwhile, the data element demander downloads the storage handle of the required data element to assemble and sends the storage handle to the coin-counting anchoring terminal system.

And secondly, storing the storage handle into a buffer pool by the coin-counting anchoring terminal system, analyzing intelligent contract information, analyzing the intelligent contracts according to the format agreed by the data elements of the structured intelligent contracts, analyzing the intelligent contracts by adopting an OCR (optical character recognition) technology and an NLP (non-line language) semantic analysis technology for unstructured intelligent contracts, and finally constructing a monetary funds transaction channel based on the analysis result.

And thirdly, automatically constructing a novel ISO8583 message of the current data element circulation transaction based on the analysis result of the intelligent contract and the novel ISO8583 message protocol characteristics.

And step four, converting the novel ISO8583 message into a standard ISO8583 message based on the novel ISO8583 message protocol feature and the standard ISO8583 message protocol feature.

And fifthly, generating and sending a monetary funds transaction instruction to the Unionpay platform based on the information recorded in the standard ISO8583 message so as to enable the Unionpay platform to complete funds delivery. Funds transaction and funds delivery are synonymous in this disclosure and may be used interchangeably.

And step six, generating and sending a command for delivering the data elements to the data element platform based on the information recorded in the novel ISO8583 message, so that the data element delivery is completed by the data element platform.

And step seven, the data element requiring party obtains the content in the storage handle and downloads the required data elements through the download address and the access token.

And step eight, matching the novel ISO8583 message, the standard ISO8583 message and the intelligent contract content of the transaction, and implementing coin counting.

And step nine, in the implementation process of the transaction, the necessary information is implemented and called to be stored in a block chain interface uplink, so that the credible and traceable source of the information data is realized.

And step ten, in the implementation process of the transaction, once the related operation is abnormal, the money and funds transaction alignment can be initiated by automatically modifying the standard ISO8583 message transaction type, so that the zero regression of the data element circulation transaction operation behavior is realized.

The novel ISO8583 message in the embodiment constructs the delivery information of the data elements and the money fund transaction information in one message, realizes mutual anchoring of the data elements and the money fund, ensures that the data assets can be checked according to the table, can conveniently convert the novel ISO8583 message into the standard ISO8583 message, facilitates consistency reconciliation of the delivery information of the data elements and the money fund transaction information, is based on the domestic and international universality of the standard ISO8583, not only can realize cross-data-body and cross-region-body data element circulation transaction standardization, but also can realize cross-border and cross-country data element circulation transaction standardization, and is beneficial to solving the quasi-real-time reflection of monitoring the data element market and the money fund market from a macroscopic level.

According to the method for anchoring the monetary funds by the data elements, after the monetary funds transaction is completed, the delivery of the data elements is completed asynchronously in a quasi-real time mode, and after the data element delivery operation is abnormal, the zero regression of the data element circulation transaction operation behavior can be achieved by initiating the monetary funds transaction positive operation, the tight coupling characteristic of the data element delivery and the monetary funds transaction integration is achieved, and the consistency of the monetary funds transaction and the data element delivery is ensured. In addition, the method for anchoring the monetary funds by the data elements of the embodiment can implement and call the uplink storage of the blockchain interface for necessary information, thereby realizing the credible and traceable source of the information data.

Based on the same inventive concept, the present disclosure provides a device for anchoring monetary funds by using data elements, the steps executed by the components of the device are the same as or similar to those of the above-mentioned method, and features of the method embodiment and the device embodiment are the same, so similar parts are not described in detail, as shown in fig. 4, the device for anchoring monetary funds by using data elements of the present embodiment includes:

the intelligent contract management module 4110 is configured to obtain an intelligent contract sent by the data element circulation transaction platform and a storage handle required by data element downloading required by a data element demander, and analyze the intelligent contract; wherein the smart contract includes transaction information for a commercial transaction made by a data element demander and a data element provider.

The electronic payment fund channel management module 4120 is configured to construct a monetary fund transaction channel with the banking platform and the data element operation subject financial system according to the information obtained by analyzing the intelligent contract and manage configuration information of the monetary fund transaction channel.

The data element storage handle buffer pool 4130 is used for storing the storage handle, and automatically detecting and early warning whether the storage handle is stored in an encrypted mode.

A novel 8583 message generator 4140 for constructing a novel ISO8583 message according to the analysis result of the intelligent contract and the novel ISO8583 message protocol feature; wherein, the new type ISO8583 message adds a preset number of bitmaps after the bitmaps of the standard ISO8583 message, which are used for recording the delivery information of the data elements; the standard ISO8583 message is used to record monetary funds transaction information.

The coin message converter 4150 is configured to convert the new ISO8583 message into a standard ISO8583 message according to the new ISO8583 message protocol feature and the standard ISO8583 message protocol feature.

The automatic routing and transmitting module 4160 is configured to send a monetary funds transaction instruction to the banking platform according to the information recorded in the standard ISO8583 message and the monetary funds transaction channel, so that the banking platform completes funds delivery; and sending a data element delivery instruction to a digital linkage platform according to the information recorded in the novel ISO8583 message, so that the digital linkage platform finishes data element delivery.

The coin-counting anchoring accounting module 4170 is used for performing coin-counting consistency accounting operation according to the novel ISO8583 message, the standard ISO8583 message and the information obtained by analyzing the intelligent contract.

In some embodiments, the apparatus for anchoring monetary funds with data elements further comprises a blockchain node management module 4180, a novel ISO8583 message management module 4190, a standard ISO8583 message management module 4200, a multi-channel system double sign management module 4210, a multi-channel system key management module 4220, a data delivery security gateway 4230.

The block chain link point management module 4180 is configured to dock with an external block chain system, and upload the intelligent contract, the information obtained by analyzing the intelligent contract, the new ISO8583 message, the standard ISO8583 message, the information of fund delivery, and the information of data element delivery to the external block chain system for storage, and manage a consensus mechanism.

The novel ISO8583 message management module 4190 is configured to detect the generated novel ISO8583 message based on the novel ISO8583 message protocol feature, and perform encryption and decryption operations on the novel ISO8583 message.

The standard ISO8583 message management module 4200 is configured to detect the generated standard ISO8583 message based on the standard ISO8583 message protocol feature, and perform encryption and decryption operations on the standard ISO8583 message.

The multi-channel system double-sign management module 4210 is used for sign-in and sign-out management of the data element transaction circulation platform, the data element operation subject financial system and the data element parallel platform.

The multi-channel system key management module 4220 is used for key exchange and management with the digital linkage platform, the silver linkage platform, the data element transaction circulation platform and the data element operation subject financial system.

The data delivery security gateway 4230 is used for zero trust API security gateway management when interfacing with the tandem platform, and security detection verification and access policies other than keys.

In some embodiments, the automatic routing and transmitting module 4160 is further configured to manage a transmitting route with the tandem platform and the silver-tandem platform, select a transmitting channel according to a transmitting protocol type, establish a TCPIP protocol handshake, and transmit and receive a message.

The coin-counting anchoring account checking module 4170 is further used for checking the novel ISO8583 message with the serial-parallel platform, checking the standard ISO8583 message with the parallel-parallel platform, checking the intelligent contract with the data element transaction circulation platform, and checking the intelligent contract and the coin-counting anchoring running water detail with the data element operation main body financial system.

The automatic route transmitting module 4160 manages the transmitting route of the data link platform and the silver link platform, automatically selects the transmitting channel according to the transmitting protocol type, establishes the TCPIP protocol handshake and transmits and receives the message.

In the embodiment, in the lower layer, the intelligent contract and the information of the storage handle are acquired by being in butt joint with a data element circulation transaction platform; the financial system of the data element operation main body is required to be in butt joint, and intelligent contract and coin-counting anchoring running water detail information are pushed to the financial system; the upper layer is in butt joint with the Unionpay platform, so that information of money and funds transaction is provided for the Unionpay platform, and information of money and funds transaction results is obtained from the Unionpay platform; and interfacing with the data element interface platform, providing the data element interface with the data element interface platform, and acquiring data element interface result information from the data element interface platform.

In this embodiment, necessary information in the necessary coin anchoring operation process can be reserved according to actual requirements, and the uplink storage of the blockchain interface is invoked, where the blockchain can be a public chain or a private chain, and the coin anchoring terminal system device is a node of the blockchain and performs information interoperation with the node, so as to ensure the credible and traceable source of information data.

In the embodiment, the coin-counting anchoring terminal system device does not participate in cooperation of the coin-counting anchoring macro-monitoring between the digital linkage platform and the Unionpay platform to complete macro-reflecting activities of the high-efficiency monitoring data element market and the money fund market, but the macro-monitoring information set of the integrated data element market and the money fund market based on strong correlation, high matching and easy fusion of novel ISO8583 message protocol characteristics and standard ISO8583 message protocol characteristics is constructed by the cooperation activities between the digital linkage platform and the Unionpay platform.

The device needs to be in butt joint with an external system to jointly complete the whole process of data element circulation transaction, automatically completes the conversion of a novel ISO8583 message into a standard ISO8583 message, and can complete synchronous implementation of money fund transaction and data element delivery at one time, so that the data element anchors money fund in a marketization mode and performs daily money counting anchoring and account checking work. In the implementation process, terminal equipment devices with different levels, different sizes, different performances and different price can be constructed and formed according to the data element circulation transaction volume characteristics, the site capacity, the fund limit and the like of institutions, enterprises and individuals to form a multi-level terminal system for data element circulation transaction, so that the market configuration reform of large-scale, universal and generalized propulsion data elements can be solved, and the high-quality development of digital economy is promoted.

The present disclosure provides a system for anchoring monetary funds with a data element, as shown in fig. 5, comprising:

the coin-counting anchor terminal system of any one of the above embodiments; the data element demander in any of the above embodiments, the data element provider in any of the above embodiments; the tandem platform of any one of the above embodiments; the silver-linked platform of any of the above embodiments; the data element circulation transaction platform in any of the above embodiments; the data element of any of the above embodiments operates a subject financial system.

The components of the present embodiment have the same or similar functions as the corresponding components of any of the above embodiments, and therefore, similar descriptions are not repeated.

According to an embodiment of the disclosure, the disclosure also provides an electronic device, a computer-readable storage medium.

In the embodiment of the disclosure, the data element provider is the data element provider, and the data element demander is the data element demander.

Fig. 6 illustrates a schematic block diagram of an example electronic device 600 that may be used to implement embodiments of the present disclosure. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular telephones, smartphones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the disclosure described and/or claimed herein.

As shown in fig. 6, the apparatus 600 includes a computing unit 610 that can perform various suitable actions and processes according to a computer program stored in a Read Only Memory (ROM) 620 or a computer program loaded from a storage unit 680 into a Random Access Memory (RAM) 630. In the RAM630, various programs and data required for the operation of the device 600 may also be stored. The computing unit 610, ROM620, and RAM630 are connected to each other by a bus 640. An input/output (I/O) interface 650 is also connected to bus 640.

Various components in device 600 are connected to I/O interface 650, including: an input unit 660 such as a keyboard, a mouse, etc.; an output unit 670 such as various types of displays, speakers, and the like; a storage unit 680 such as a magnetic disk, an optical disk, or the like; and a communication unit 690 such as a network card, modem, wireless communication transceiver, etc. The communication unit 690 allows the device 600 to exchange information/data with other devices via a computer network, such as the internet, and/or various telecommunication networks.

The computing unit 610 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of computing unit 610 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various computing units running machine learning model algorithms, a Digital Signal Processor (DSP), and any suitable processor, controller, microcontroller, etc. The computing unit 610 performs the various methods and processes described above. For example, in some embodiments, any of the methods above may be implemented as a computer software program tangibly embodied on a machine-readable medium, such as storage unit 680. In some embodiments, part or all of the computer program may be loaded and/or installed onto device 600 via ROM620 and/or communication unit 690. When the computer program is loaded into RAM630 and executed by computing unit 610, one or more steps of any of the methods described above may be performed. Alternatively, in other embodiments, computing unit 610 may be configured to perform any of the methods described above in any other suitable manner (e.g., by means of firmware).

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuit systems, field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), systems On Chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs, the one or more computer programs may be executed and/or interpreted on a programmable system including at least one programmable processor, which may be a special purpose or general-purpose programmable processor, that may receive data and instructions from, and transmit data and instructions to, a storage system, at least one input device, and at least one output device.

Program code for carrying out methods of the present disclosure may be written in any combination of one or more programming languages. These program code may be provided to a processor or controller of a general purpose computer, special purpose computer, or other programmable data processing apparatus such that the program code, when executed by the processor or controller, causes the functions/operations specified in the flowchart and/or block diagram to be implemented. The program code may execute entirely on the machine, partly on the machine, as a stand-alone software package, partly on the machine and partly on a remote machine or entirely on the remote machine or server.

In the context of this disclosure, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. The machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, 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), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and pointing device (e.g., a mouse or trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic input, speech input, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a background component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such background, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), wide Area Networks (WANs), and the internet.

The computer system may include a client and a server. The client and server are typically remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server may be a cloud server, a server of a distributed system, or a server incorporating a blockchain.

It should be appreciated that various forms of the flows shown above may be used to reorder, add, or delete steps. For example, the steps recited in the present disclosure may be performed in parallel or sequentially or in a different order, provided that the desired results of the technical solutions of the present disclosure are achieved, and are not limited herein.

The above detailed description should not be taken as limiting the scope of the present disclosure. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives are possible, depending on design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present disclosure are intended to be included within the scope of the present disclosure.

Claims

1. A method for anchoring monetary funds by a data element applied to a monetary anchoring terminal system, comprising:

2. The method of claim 1, wherein the new ISO8583 message includes a 128-bit binary first type bitmap and a 64-bit binary second type bitmap; wherein the first type of bitmap is used for recording monetary funds transaction information and the second type of bitmap is used for recording delivery information of the data elements.

3. The method of claim 2, wherein the new ISO8583 message is converted to a standard ISO8583 message, comprising:

4. The method as recited in claim 1, further comprising:

5. The method of claim 1, wherein the storing the storage handle comprises:

storing the storage handle into a data element storage handle buffer pool;

the method further comprises the steps of:

6. The method of claim 1, wherein said resolving said smart contract comprises:

7. A device for anchoring monetary funds by a data element, applied to a monetary anchoring terminal system, comprising:

8. The apparatus of claim 7, further comprising a blockchain node management module, a novel ISO8583 message management module, a standard ISO8583 message management module, a multi-channel system double sign management module, a multi-channel system key management module, a data delivery security gateway;

the blockchain node management module is used for interfacing with an external blockchain system, uploading the intelligent contract, information obtained by analyzing the intelligent contract, the novel ISO8583 message, the standard ISO8583 message, information of fund delivery and information of data element delivery to the external blockchain system for storage, and managing a consensus mechanism;

9. The apparatus of claim 7, wherein the automatic routing and sending module is further configured to manage a sending route with the tandem platform and the silver-tandem platform, select a sending channel according to a sending protocol type, establish a TCPIP protocol handshake, and send and receive a message;

10. A system for anchoring monetary funds with a data element, comprising:

the coin-anchored termination system of any one of claims 1 to 9;

the data element demander of any one of claims 1 to 9;

the data element provider of any one of claims 1 to 9;

the tandem platform of any one of claims 1 to 9;

the silver-linked platform of any one of claims 1 to 9;

a data element flow-through trading platform according to any of claims 1 to 9.