WO2015135293A1

WO2015135293A1 - Financial platform data notarization method and system

Info

Publication number: WO2015135293A1
Application number: PCT/CN2014/084919
Authority: WO
Inventors: 陈衡
Original assignee: 陈衡
Priority date: 2014-03-14
Filing date: 2014-08-21
Publication date: 2015-09-17
Also published as: CN104917738A; CN104917738B

Abstract

The present invention provides a financial platform data notarization method, and the method includes that: the financial platform generates protocol information and/or fund detail information according to a fund request initiated by a terminal, and stores the information and/or transmits the information to a storage platform for storage; the financial platform and/or storage platform generate/generates a copy of the protocol information and/or fund detail information, and transmit/transmits the generated copy and/or designated part of the copy and/or a copy set to a notary platform; the notary platform obtains and stores the copy and/or designated part of the copy and/or the copy set, and provides query interfaces to the stored copy and/or designated part of the copy and/or the copy set. By the financial platform data notarization method provided by the present invention, a user can query the copy of protocol information and/or fund detail information through the query interfaces at any time, and compare the copy with the original stored in the financial platform, in case that the protocol information and/or fund detail information are maliciously modified and lost. The present invention also provides a financial platform data notarization system.

Description

Financial platform data notarization method and system

The present application claims priority to Chinese Patent Application No. 201410096222.8, filed on Jan. 14, 2014, entitled,,,,,,,,,,,,,,,,,,,, .

[Technical Field]

The invention relates to the technical field of internet financial security, in particular to a method and system for data notarization of a financial platform.

【Background technique】

Internet finance has developed rapidly in recent years and is in the ascendant. Various financial platforms have emerged. Such financial platforms apply Internet technology to the financial sector. Using the Internet as a medium, using the publicity of the Internet to attract funds from the public to invest in various businesses or projects, this has a very positive effect on promoting the participation of private capital in the national economic construction.

However, due to the rapid development of Internet finance, the various financial platforms that have emerged at present are not well-balanced, lack of supervision, and there are security risks. For example, the electronic protocol information generated on the financial platform and the fund details information are stored on the financial platform. If the managers of these financial platforms maliciously close the platform, or maliciously modify the contents of the electronic agreement information, the type of the target and the details of the funds, or the financial platform suffers from the hacker. Attacks lead to data loss, etc., which will cause huge losses to users who use the financial platform, and if the electronic agreement information is modified, it is difficult to maintain their legal rights through legal channels.

[Summary of the Invention]

Based on this, it is necessary to provide a financial platform data notarization method and system for the technical problems of the electronic protocol information generated on the above financial platform and the fact that the detailed information of the funds is stored on the financial platform.

A financial platform data notarization method, the method comprising:

The first party financial platform generates protocol information and/or fund detail information according to the fund request initiated by the second party terminal; stores the protocol information and/or fund detail information, and/or, the protocol information and/or Or transfer the fund details to the storage platform for storage;

The financial platform and/or the storage platform generates a copy of the protocol information and/or fund detail information and generates the generated copy and/or the specified portion of the generated copy and/or accumulates the generated The copy of the copy obtained from the copy is transmitted to a third party's notary platform;

The notary platform acquires and stores a specified portion of the copy and/or the copy and/or the set of copies, and provides a designated portion and/or portion of the stored copy and/or the stored copy The query interface for the stored copy collection.

A financial platform data notarization system, the system comprising: a first party financial platform and a third party notarization platform;

The financial platform is configured to generate protocol information and/or fund detail information according to a fund request initiated by a terminal of the second party, store the protocol information and/or fund detail information, or, by using the protocol information and/or The fund details information is transmitted to the storage platform for storage;

The financial platform is further configured to generate a copy of the protocol information and/or fund detail information, and generate the generated copy and/or a specified portion of the generated copy and/or accumulate the generated copy The obtained copy set is transmitted to a third party's notary platform;

The notarization platform is configured to acquire and store a specified portion of the copy and/or the copy and/or the set of copies, and provide a specified portion of the stored copy and/or the stored copy and / or the query interface of the stored copy set.

In the above financial platform data notarization method and system, first, the second party terminal initiates a fund request, and the first party financial platform generates and stores the protocol information and/or the fund detail information according to the fund request. The financial platform then generates a copy of the protocol information and/or the fund details and transmits the copy or a designated portion of the copy to a third party's notary platform, where the transmission includes active and passive crawling, or a combination thereof. . The notary platform stores a copy of the financial platform or a designated portion thereof, and provides a query interface to the stored copy or a designated portion thereof. In this way, the notarization platform is provided by a third party, which can effectively avoid the security risks and individual credit problems existing in the first party's financial platform separately storing the protocol information and/or the fund details. Moreover, the user can query the copy of the protocol information and/or the fund details at any time through the query interface provided by the notary platform, and compare with the protocol information and/or the fund details stored on the financial platform to prevent the agreement information and/or funds. Details are maliciously modified or lost.

[Description of the Drawings]

1 is a schematic flow chart of a financial platform data notarization method in an embodiment;

2 is a structural diagram of a financial platform data notarization system in an embodiment;

3 is a structural diagram of a financial platform data notarization system in another embodiment.

【detailed description】

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

As shown in FIG. 1, in one embodiment, a financial platform data notarization method is provided, and the method includes the following steps:

Step 102: The first party financial platform generates protocol information and/or fund detail information according to the fund request initiated by the second party terminal; stores the protocol information and/or fund detail information, and/or, the protocol information and/or The fund details are transferred to the storage platform for storage.

In this embodiment, the first party refers to a party that provides a financial platform to provide Internet financial services; the second party refers to a party that uses Internet financial services, which may be a natural person or an investment institution. Financial platform, including but not limited to personal to personal (P2P, Peer) To Peer) online loan platform, personal-to-enterprise online lending platform, institutional-to-institution online lending platform, bond transfer platform, equity crowdfunding platform, resource crowdfunding platform, public welfare crowdfunding platform, individual-to-person equity investment platform, internet project investment platform A comprehensive platform formed by one or more combinations of targeted fund raising platforms, venture capital platforms, local financing platforms, wealth management platforms, e-commerce platforms, online insurance platforms, resource trading platforms and private lending platforms.

The terminal of the second party may be any terminal with a network connection function. In one embodiment, the terminal of the second party is a personal computer, a television, a smart box, a set top box, a mobile terminal, a smart vehicle, a server, and a smart terminal. A combination of one or more of a wearable device, an IoT device, and a stereoscopic imaging device. A smart box refers to a device that can be connected to a display device to implement the functions of a smart television. Mobile terminals include, but are not limited to, mobile phones or tablets.

Users can use the Internet financial services provided by the first party through various terminals that can be utilized in daily life, and supervise the Internet financial services provided by the first party.

A request for funds refers to a request related to funds, indicating various operational requests for the increase, decrease, and transfer of funds. The second party terminal can trigger the corresponding fund request by detecting a fund refill event, an investment operation event, or a fund withdrawal event.

The agreement information is the information agreed between the first party and the second party regarding the financial actions occurring on the financial platform, including but not limited to the details of the project, the supervision method, the implementation details, the risk control information, the collateral information, and Source, related party/guarantee/regulator/authority information, operating mode information, how to transfer and related agreement contracts, pictures, images, audio and video, etc. The fund detail information refers to the increase, decrease, transfer, change cycle, time and date, investment cycle, expected return, actual income, and agreement of the user's financial/financial data/points/data report/revenue distribution/period on the financial platform. Income, investment risk information, equity, creditor's rights, resources, public interest, investment amount and its whereabouts, user points and grade classification information, rights and their methods and their future circulation due list, second party's various financial platforms Funds, points, financial value statements, number of friends, investment data, and other details related to data history and future changes such as funds/financial data/point reports. The first party's financial platform generates protocol information and/or fund detail information and then stores it locally or transmits it to the storage platform storage, and the storage platform provides a query interface for the stored protocol information and/or fund detail information, in case the user needs Get it when. The copy can be categorized during storage.

In an embodiment, the fund request further includes the second party user identifier, and the storing the protocol information and/or the fund detail information comprises: storing the second party user identifier and the protocol information and/or the fund detail information correspondingly. . The second party's user identifier may be composed of any character. The second party may register in advance through the registration interface provided by the financial platform to obtain the second party's user identifier, and the financial platform may randomly generate the second party when using the internet financial service. The user ID of the two parties.

Step 104: The financial platform and/or the storage platform generates a copy of the protocol information and/or the fund detail information, and transmits the generated copy and/or the specified portion of the generated copy and/or the set of copies obtained by the cumulatively generated copy to A third party's notary platform.

The third party is a party different from the first party and the second party. The third party is a party with credibility. It can be a party for judicial appraisal sponsored or certified by the government, or it can be a party that is involved in the sponsorship by multiple independent platforms. The notary platform is used to notarize the copy provided by the second party.

The financial platform generates protocol information and/or fund detail information and stores the stored protocol information and/or fund detail information as a copy of the original generation protocol information and/or the fund detail information, and the copy is completely consistent with the original content. The copy can be one or more and can be set as needed. Finally, the generated copy or a designated portion of the generated copy is transmitted to a third party's notary platform.

The financial platform transmits the copy or the designated portion of the generated copy to the third party's notary platform. Specifically, the copy of the protocol information and/or the fund details information may be actively generated, and the generated copy is transmitted to the third party's notary platform; Alternatively, the financial platform may obtain a copy of the protocol information and/or fund detail information in response to a copy of the third party's notary platform, and transmit the generated copy to a third party's notary platform; or the financial platform may generate the copy in steps. Or the designated part of the copy is transmitted to a third party's notary platform; or the financial platform may detect a copy of the generated protocol information and/or the fund details information when the refill instruction triggered by the fund refill interface is triggered, thereby generating the copy or copy The designated part is transmitted to a third party's notary platform. The financial platform may accumulate the generated copy to obtain a copy set, and transmit the copy set to the notary platform upon receiving the transfer instruction and/or satisfying the preset time condition. The preset time condition may be, for example, a time-related condition such as every preset time point or every preset time interval.

In one embodiment, the financial platform may encrypt the specified portion and/or copy set of the generated copy and/or copy to a third party's notary platform, although an encrypted transmission may be used. This can ensure that the copy is not maliciously stolen or tampered. The financial platform may invoke the encryption module provided by the third party to encrypt the generated copy and transmit it to a third party's notary platform. This ensures that the first party cannot know the encryption method, and to some extent, avoids tampering with the protocol information and/or the fund details.

In one embodiment, the financial platform may generate a copy of the protocol information and/or the fund details information according to the first notarization request initiated by the second party's terminal, and generate a specified copy of the copy and/or the generated copy and/or The collection of copies obtained by accumulating the generated copy is transmitted to a third party's notary platform.

In one embodiment, the financial platform may generate a copy of the protocol information and/or the fund details information according to the second notarization request initiated by the second party's terminal, and generate a specified copy of the copy and/or the generated copy and/or The set of copies obtained by accumulating the generated copy is transmitted to one or more third party notary platforms.

In one embodiment, the financial platform may generate a copy of the protocol information and/or the fund details information according to the third notarization request initiated by the second party's terminal, and generate a specified copy of the copy and/or the generated copy and/or The set of copies obtained by accumulating the generated copy is transmitted to one or more notarized platforms of the third party specified in the third notary request.

In an embodiment, the financial platform may generate a copy of the partial information specified in the fourth notarization request and/or the fund details according to the fourth notarization request initiated by the terminal of the second party, and generate the generated copy and / or a collection of copies obtained from the specified portion of the generated copy and/or the cumulatively generated copy is transmitted to a third party's notary platform.

Step 106: The notary platform acquires and stores a specified portion and/or a copy of the copy and/or copy and provides a query interface to the stored portion and/or the specified portion of the stored copy and/or the stored copy set.

After receiving the specified portion and/or copy set of the copy and/or copy of the protocol information and/or the fund details, the notary platform stores the specified portion and/or the set of copies of the copy and/or copy and provides the storage A copy of the specified portion and/or copy of the stored copy of the query interface. The second party terminal may query the designated part and/or the copy set of the copy and/or the copy through the query interface provided by the third party's notarization platform, and compare with the protocol information and/or the fund detail information stored on the financial platform. Yes, to prevent protocol information and/or fund details from being maliciously modified.

In the above financial platform data notarization method, first, the second party's terminal initiates a fund request, and the first party's financial platform generates and stores the protocol information and/or the fund detail information according to the fund request. The financial platform then generates a copy of the protocol information and/or the fund details and transmits the specified portion and/or copy of the copy and/or copy to the third party's notary platform. The notary platform stores a specified portion and/or a collection of copies of the copy and/or copy sent by the financial platform and provides a query interface to the specified portion and/or the set of copies of the stored copy and/or copy. In this way, the notarization platform is provided by a third party, which can effectively avoid the security risks existing in the first party's financial platform to separately store the protocol information and/or the fund details. Moreover, the user can query the copy of the protocol information and/or the fund details at any time through the query interface provided by the notary platform, and compare with the protocol information and/or the fund details stored on the financial platform to prevent the agreement information and/or funds. The details are maliciously modified.

In an embodiment, the method further includes: the financial platform providing a query interface for the original of the protocol information and/or the fund detail information; the notarization platform obtains the original content through the query interface, and compares the original content with the copy content, when the inconsistency A risk warning is issued.

Specifically, the financial platform provides a query interface for the original, and the second party or a third party can query the content of the original through the query interface. After receiving the copy sent by the financial platform and storing it, the notarization platform can obtain the original content through the query interface provided by the financial platform, thereby comparing the original content with the copy content, and when inconsistent, sending the second party terminal A risk warning to remind the second party that the content of the agreement information and/or the fund details information has been tampered with. The notary platform can issue a risk alert to the second party's terminal through a preset email address or mobile phone number or even the communication user identity.

In this embodiment, the notarization platform compares the original with the copy, and issues a risk prompt when it is inconsistent, so as to prevent the financial platform from tampering with the copy content and then transmitting it to the notary platform to ensure the correctness of the notarized content of the notarization platform.

In one embodiment, the financial platform data notarization method further comprises: exchanging a designated portion and/or a copy set of the stored copy and/or copy between the financial platform and the notary platform or between the plurality of notarized platforms, and exchanging The specified portion and/or copy set of the obtained copy and/or copy is compared with the corresponding locally stored copy and/or the specified portion of the locally stored copy and/or the locally stored copy set, and a risk alert is issued when the inconsistency .

The financial platform sends copies to multiple notarized platforms, so that copies of the protocol information and/or fund details are stored on multiple notarized platforms. The plurality of notarized platforms may exchange attribute information of the stored copy or the stored copy or the verification information generated according to the stored copy, wherein the exchange copy refers to copying the locally stored copy of each notary platform, and copying The copy is transmitted to a non-self-notarized platform in multiple notarized platforms, so that each notary platform receives a copy sent by each other notary platform. The attribute information of the copy includes, but is not limited to, the index of the copy, the label, the generation or storage time, the generation location, the category, and the like. The verification information of the copy is specifically used to verify the copy information, for example, MD5 (Message can be used) Digest Algorithm MD5, message digest algorithm fifth edition) The algorithm signs the replica to obtain the verification information.

Each notary platform compares the obtained copy or attribute information or verification information with the attribute information stored locally by the notary platform or the locally stored copy or the verification information generated according to the locally stored copy. In case of inconsistency, a risk alert is issued to the second party's terminal to remind the second party that the content of the protocol information and/or the fund details information has been tampered with. The notary platform can issue a risk alert to the second party's terminal through a preset email address or mobile phone number or even the communication user identity.

In this embodiment, in order to overcome the problem that a single notary platform is prone to loss of notarization capability due to a failure, the financial platform sends a copy of the protocol information and/or the fund details to a plurality of notarized platforms, and stores even if a single notary platform fails. Other notary platforms are notarized and will not lose their notarization ability. Moreover, multiple notarized platforms perform verification of copies stored on multiple notarized platforms by exchanging copies to ensure the consistency of the copies stored on each notarized platform, and when inconsistent, issue a risk prompt to the second party's terminal. To remind the second party that the content of the agreement information and/or the fund details information has been tampered with.

Similarly, in an embodiment, the financial platform data notarization method further comprises: exchanging attribute information of the stored copy between the financial platform and the notary platform or between the plurality of notary platforms, and exchanging the obtained attribute information with the local The attribute information of the stored copy is compared, and a risk prompt is issued when the inconsistency occurs.

In an embodiment, the financial platform data notarization method further comprises: exchanging verification information generated according to the stored copy between the financial platform and the notary platform or between the plurality of notarized platforms, and exchanging the obtained verification information. Compare with the verification information generated according to the locally stored copy, and issue a risk prompt when they are inconsistent.

In an embodiment, the financial platform data notarization method further includes: the financial platform update protocol information and/or the fund detail information, and when the preset time condition is met and/or when the preset transmission trigger event is detected, transmitting to the notary platform An updated copy set obtained by updating a copy of the protocol information and/or the fund details and/or a specified portion of the updated copy and/or a cumulatively updated copy, such that the notarized platform stores the updated copy and/or the designated portion of the updated copy And/or update the copy collection.

The investment behavior of Internet finance will lead to frequent changes in funds. The user's funds may change several times within a day to make the detailed information of the funds updated. Therefore, the financial platform can reach a preset time point, such as five o'clock every day; or At regular intervals, such as every 12 hours or every other week. Or the financial platform may detect a preset trigger event, such as when detecting changes in protocol information and/or fund details, such as an increase or decrease in funds, modification of protocol information, etc.; or receiving a second party terminal After the issued backup request, generate a copy of the updated fund detail information according to the backup request, and send a copy of the updated fund detail information to the notary platform, so that the notarized platform stores the updated copy; or may detect a power outage or hacker attack When an insecure factor such as a computer virus intrusion occurs, a copy of the updated fund detail information is generated, and a copy of the updated fund detail information is sent to the notary platform. The notary platform may overwrite a copy of the locally stored funds detail information with a copy of the updated fund details information, or may store a copy of each received fund detail information separately.

In one embodiment, the financial platform data notarization method further comprises: the notarization platform obtaining the updated portion and/or the specified portion of the updated copy and/or the updated copy set, the designated portion of the updated copy and/or the updated copy And/or an updated copy set is associated with and stored with a specified portion of the stored copy and/or the stored copy and/or a stored set of copies, and provides a designated portion of the updated copy and/or the updated copy and / or update the query interface of the copy collection.

In this embodiment, each time the notarized platform receives the updated copy, the updated copy is associated with the stored copy and stored, so that the copy received by the notary platform is stored in association with each other to form continuous historical data. The second party's terminal can query the updated copy through the query interface, so that the historical data can be checked to form a continuous notarization of the entire investment process.

In one embodiment, the financial platform data notarization method further includes steps 11) to 12):

Step 11): The notarization platform receives the punctuality request sent by the second party's terminal and/or the financial platform and/or the notarization platform other than the third party's notarization platform, and the circumstantial request includes the fourth party's user identification.

The notarization service provided by the third party's notary platform can guarantee the credibility of the notarization to a certain extent, but there is still the possibility that the first party will collude with the third party or be coerced. Therefore, in this embodiment, the concept of the circumstantial evidence is introduced, and the fourth party is introduced as a circumstantial certificate for further notarization. The user identity of the fourth party is provided by the second party, and the second party can increase the credibility and reliability of the notarization by providing the trusted fourth party user identity as a circumstantial certificate.

The fourth party's user identifier may be one or more user identifiers registered on the notary platform, and may be registered by the natural person, the investment institution, the authentication institution, and the financial platform other than the first party's financial platform on the notary platform. User ID. The user identifier of the fourth party may also be a platform identifier corresponding to another notarization platform other than the notarization platform. The fourth party's user ID may also be an email account provided by the second party. The user identifier of the fourth party may also be a platform identifier of the financial platform other than the financial platform of the first party above. It can be understood that the fourth party can be one or more. Referring to Figure 2, the financial platform data notarization system in Figure 2, other notary platforms are used as circumstantial evidence for notarization.

In an embodiment, step 11) may be replaced by: the notarization platform acquires the preset arbitrage setting information, and the circumstantial setting information includes the fourth party user identifier.

The first party, the second party, or the third party may pre-configure the circumstantial certificate setting information, and directly obtain the preset circumstantial certificate setting information when needed, and the circumstantial certificate setting information includes the fourth party user identifier.

Step 12) The notarization platform sends the stored copy and/or the specified portion of the stored copy and/or the stored copy set to the fourth party terminal or platform according to the fourth party's user identification.

The notarization platform sends the copy stored on the notary platform to the terminal or platform of the fourth party according to the user identifier of the fourth party provided by the second party, so that the fourth party participates in the notarization of the copy, and increases the credibility of the notarization process and Reliability.

In one embodiment, the financial platform data notarization method further comprises: the financial platform transmitting the copy set obtained by the generated copy and/or the specified portion of the generated copy and/or the cumulatively generated copy to the second according to a preset manner. And/or the notarized platform transmits the locally stored copy and/or the specified portion of the stored copy and/or the stored copy set to the second party's terminal in a predetermined manner; and/or, the fourth party The terminal or platform transmits the specified portion of the locally stored copy and/or the stored copy and/or the stored copy set to the terminal of the second party in a preset manner.

The default method can be email, short mail, voice, program protocol interface, image, video, 3D scanning, WeChat or SMS. In this embodiment, the second party itself may store a copy of the protocol information and/or the fund details information, and may perform dual- or three-party information verification when needed to prevent the failure of the notarization platform when the notary platform is used alone. The risk of loss of notary capacity.

In one embodiment, the financial platform data notarization method further includes: the financial platform, the notary platform, and the fourth party terminal or platform exchange a stored portion and/or a designated portion and/or a copy of the copy with each other, and The specified portion and/or copy set of the obtained copy and/or copy is compared with the corresponding locally stored copy and/or the specified portion of the locally stored copy and/or the locally stored copy set, and is issued when inconsistent prompt.

In an embodiment, the financial platform data notarization method further includes: the financial platform, the notarization platform, and the fourth party terminal or platform exchange attribute information of the stored copy with each other, and exchange the obtained attribute information with the locally stored The attribute information of the copy is compared, and a risk prompt is issued when the inconsistency occurs.

In an embodiment, the financial platform data notarization method further includes: the financial platform, the notarization platform, and the fourth party terminal or platform exchange check information generated according to the stored copy with each other, and perform verification of the exchange. The information is compared against the verification information generated from the locally stored copy, and a risk alert is issued when the inconsistency occurs.

As shown in FIG. 3, in one embodiment, a financial platform data notarization system 300 is provided. The system 300 includes a first party financial platform 302 and a third party notary platform 304.

The financial platform 302 is configured to generate protocol information and/or fund detail information according to the fund request initiated by the terminal of the second party, store protocol information and/or fund detail information, or transmit the protocol information and/or fund detail information to Storage platform storage.

In an embodiment, the fund request further includes the user identifier of the second party, and the financial platform 302 is further configured to store the user identifier of the second party and the protocol information and/or the fund detail information. The second party's user identifier may be composed of any character, the second party may register in advance through the registration interface provided by the financial platform 302 to obtain the second party's user identifier, and the financial platform 302 may be used to use the internet financial service in the second party. The second party's user ID is randomly generated.

The financial platform 302 is further configured to generate a copy of the protocol information and/or the fund detail information, and transmit the generated copy and/or the specified portion of the generated copy and/or the set of copies obtained by the cumulatively generated copy to a third party. Notary platform 304.

The third party is a party different from the first party and the second party. The third party is a party with credibility. It can be a party for judicial appraisal sponsored or certified by the government, or it can be a party that is involved in the sponsorship by multiple independent platforms. The notary platform 304 is used to notarize the copy provided by the second party.

The financial platform 302 is configured to generate protocol information and/or fund detail information and store the stored protocol information and/or fund detail information as a copy of the original generation protocol information and/or the fund detail information, the copy and the original content being completely Consistent or related matches, the generated copy can be one or more, and can be set as needed. The final financial platform 302 is used to transmit the generated copy to the third party's notary platform 304.

The financial platform 302 can be used to actively generate a copy of the protocol information and/or the fund details and transmit the generated copy to the third party's notary platform 304; or the financial platform 302 can be used to obtain a copy of the third party's notary platform 304 The request generates a copy of the protocol information and/or the fund details and transmits the generated copy to the third party's notary platform 304. The financial platform 302 can be used to transfer the specified portion of the generated copy or copy to a third party's notary platform in a stepwise manner. The financial platform 302 can also be configured to trigger generation of a copy of the protocol information and/or the fund details information upon detecting a refill instruction triggered by the funds refill interface, thereby transmitting the generated copy or a designated portion of the copy to a third party's notary platform. 304. The financial platform 302 can accumulate the generated copy to obtain a copy set, and transmit the copy set to the notary platform 304 upon receipt of the transfer instruction and/or when the preset time condition is met. The preset time condition may be, for example, every preset time point or every preset time interval.

In one embodiment, the financial platform 302 can be used to encrypt the specified portion and/or copy set of the generated copy and/or copy to a third party's notary platform 304. This can ensure that the copy is not maliciously stolen or tampered. The financial platform 302 can be used to invoke a cryptographic module provided by a third party to encrypt the generated copy and transmit it to a third party's notary platform 304. This ensures that the first party cannot know the encryption method, and to some extent, avoids tampering with the protocol information and/or the fund details.

In one embodiment, the financial platform 302 can be configured to generate a copy of the protocol information and/or the fund details based on the first notarization request initiated by the terminal of the second party, and specify the generated copy and/or the generated copy. The set of copies obtained in part and/or cumulatively generated copies is transmitted to the third party's notary platform 304.

In one embodiment, the financial platform 302 can be configured to generate a copy of the protocol information and/or the fund details based on the second notarization request initiated by the second party's terminal, and specify the generated copy and/or the generated copy. The set of copies obtained in part and/or cumulatively generated copies is transmitted to one or more third party notary platforms 304.

In one embodiment, the financial platform 302 can be configured to generate a copy of the protocol information and/or the fund details based on the third notarization request initiated by the terminal of the second party, and specify the generated copy and/or the generated copy. The set of copies obtained in part and/or cumulatively generated copies is transmitted to one or more notary platforms 304 of the third party specified in the third notary request.

In an embodiment, the financial platform 302 may be configured to generate, according to the fourth notarization request initiated by the terminal of the second party, a copy of the partial information specified in the fourth notarization request and/or the fund details, and generate The copy of the copy and/or the specified portion of the generated copy and/or the cumulatively generated copy is transmitted to the third party's notary platform 304.

The notary platform 304 is configured to acquire and store a specified portion and/or a copy of the copy and/or copy and provide a query interface to the specified portion of the stored copy and/or the stored copy and/or the stored set of copies.

The notary platform 304 is configured to, after receiving a copy of the protocol information and/or the fund details, or a designated portion of the generated copy, store the designated portion of the copy or the generated copy and provide a copy of the stored copy or storage The specified part of the query interface. The second party terminal may query the designated part and/or the copy set of the copy and/or the copy through the query interface provided by the third party's notary platform 304, and the protocol information and/or fund details stored on the financial platform 302. The comparison is made to prevent the protocol information and/or the fund details from being maliciously modified or lost.

In the above financial platform data notarization system 300, first, the second party terminal is used to initiate a fund request, and the first party's financial platform 302 is configured to generate and store protocol information and/or fund detail information according to the fund request. The financial platform 302 is then used to generate a copy of the protocol information and/or fund detail information and transmit the specified portion and/or copy set of the copy and/or copy to the third party's notary platform 304. The notary platform 304 is configured to store a specified portion and/or a set of copies of copies and/or copies sent by the financial platform 302 and to provide a query interface for a specified portion and/or a set of copies of the stored copies and/or copies. Thus, the notarization platform 304 is provided by a third party, and can effectively avoid the security risks existing in the first party's financial platform 302 storing the protocol information and/or the fund details separately. Moreover, the user can query the copy of the protocol information and/or the fund details information at any time through the query interface provided by the notary platform 304, and compare with the protocol information and/or the fund details stored on the financial platform 302 to prevent the protocol information and/or Or the fund details are maliciously modified.

In one embodiment, the financial platform 302 is further configured to provide a query interface for the original of the protocol information and/or the fund details information; the notary platform 304 is further configured to obtain the original content through the query interface, and compare the original content with the copy content. , when there is an inconsistency, issue a risk warning.

Specifically, the financial platform 302 is configured to provide a query interface to the original, and the second party or a third party may query the content of the original through the query interface. The notarization platform 304 is configured to obtain the original content through the query interface provided by the financial platform 302 after receiving the copy sent by the financial platform 302, thereby comparing the original content with the copy content, and when the inconsistency is used, A risk alert is issued to the second party's terminal to remind the second party that the content of the protocol information and/or the fund details information has been tampered with. The notary platform 304 can be used to issue a risk alert to a second party's terminal via a preset email or mobile number or even a communication user identification.

In this embodiment, the notarization platform 304 compares the original with the copy, and issues a risk prompt when it is inconsistent, so as to prevent the financial platform 302 from tampering with the copy content and then transmitting it to the notary platform 304 to ensure the correctness of the notarized content of the notarized platform 304.

In one embodiment, the financial platform 302 is used with the notary platform 304 or a plurality of notary platforms 304 for exchanging designated portions and/or replica sets of stored copies and/or copies with each other, and obtaining the exchanges. The specified portion and/or copy set of the copy and/or copy is compared to the corresponding locally stored copy and/or the specified portion of the locally stored copy and/or the locally stored copy set, and a risk alert is issued when inconsistent.

Similarly, in one embodiment, the financial platform 302 is used with the notary platform 304 or a plurality of notary platforms 304 for exchanging attribute information of stored copies with each other, and exchanging the obtained attribute information with locally stored The attribute information of the copy is compared, and a risk prompt is issued when the inconsistency occurs.

In one embodiment, the financial platform 302 is used to communicate with the notary platform 304 or the plurality of notary platforms 304 for exchanging verification information generated from the stored copies with each other, and to exchange the verification information obtained according to The verification information generated by the locally stored copy is compared, and when the inconsistency is issued, a risk prompt is issued.

The financial platform 302 is configured to send a copy to the plurality of notary platforms 304 such that copies of the protocol information and/or the fund details information are stored on the plurality of notarized platforms 304. A plurality of notary platforms 304 can be used to exchange attribute information of stored copies or stored copies or verification information generated from stored copies between each other, wherein swapping copies means that each notary platform 304 replicates locally stored copies, The copied copy is transmitted to a non-own notary platform 304 of the plurality of notary platforms 304, such that each notary platform 304 is configured to receive copies sent by the other various notary platforms 304. The attribute information of the copy includes, but is not limited to, the index of the copy, the label, the generation or storage time, the generation location, the category, and the like. The verification information of the copy is specifically used to verify the copy information, for example, MD5 (Message can be used) Digest Algorithm MD5, message digest algorithm fifth edition) The algorithm signs the replica to obtain the verification information.

Each notary platform 304 is configured to exchange the obtained copy or attribute information or verification information with the attribute information stored locally by the notary platform 304 or the locally stored copy or the verification information generated according to the locally stored copy. For comparison, when there is an inconsistency, a risk prompt is sent to the second party's terminal to remind the second party that the content of the protocol information and/or the fund details information has been tampered with. The notary platform 304 can be used to issue a risk alert to a second party's terminal via a preset email or mobile number or even a communication user identification.

In this embodiment, in order to overcome the problem that the single notary platform 304 is prone to loss of notarization capability due to a failure, the financial platform 302 transmits a copy of the protocol information and/or the fund details information to the plurality of notary platforms 304, even if the single notary platform 304 In the event of a failure, other notary platforms 304 are notarized and will not lose their notarization ability. Moreover, the plurality of notarization platforms 304 perform verification of the copies stored on the plurality of notarization platforms 304 by exchanging the copies to ensure the consistency of the copies stored on the various notarization platforms 304, and when they are inconsistent, the second-party terminals are inconsistent. A risk warning is issued to remind the second party that the content of the agreement information and/or the fund details information has been tampered with.

In one embodiment, the financial platform 302 is configured to update the protocol information and/or the fund details information, and when the preset time condition is met and/or when the preset transmission trigger event is detected, the updated protocol information is transmitted to the notary platform 304 and And/or a set of updated copies obtained from a copy of the funds details and/or a designated portion of the updated copy and/or a cumulatively updated copy, such that the notary platform 304 stores the updated portion and/or the specified portion of the updated copy and/or updates Copy collection.

The investment behavior of Internet finance will lead to frequent changes in funds. The user's funds may change several times within a day to make the fund details update, so the financial platform 302 can be at a preset time point, such as five o'clock every day; or Every preset time interval, such as every 12 hours or every other week. Or the financial platform 302 can be used when detecting a preset trigger event, such as when detecting changes in protocol information and/or fund details, such as an increase or decrease in funds, modification of protocol information, etc.; or receiving a second After the backup request issued by the terminal, generating a copy of the updated fund detail information according to the backup request, and transmitting a copy of the updated fund detail information to the notary platform 304, so that the notary platform 304 stores the updated copy; or may detect When an insecure factor such as power outage, hacking, or computer virus intrusion occurs, a copy of the updated fund detail information is generated, and a copy of the updated fund detail information is sent to the notary platform 304. The notary platform 304 can be used to overwrite a copy of the locally stored funds detail information with a copy of the updated funds detail information, or can be used to store a copy of each received fund detail information separately.

In one embodiment, the notary platform 304 is further configured to obtain a specified portion of the updated copy and/or the updated copy and/or an updated copy set, a designated portion and/or an updated copy of the updated copy and/or the updated copy. The collection is associated with and stored with a specified portion of the stored copy and/or the stored copy and/or a stored set of copies, and provides a designated portion and/or an updated copy set for the updated copy and/or the updated copy Query interface.

In this embodiment, the notarization platform 304 is configured to store the updated copy in association with the stored copy after each time the updated copy is received, so that the copy received by the notary platform 304 is associated and stored, forming a continuous historical data. The second party's terminal can query the updated copy through the query interface, so that the historical data can be checked to form a continuous notarization of the entire investment process.

In one embodiment, the notary platform 304 is configured to receive a punctual request sent by the second party's terminal and/or the financial platform 302 and/or a notary platform other than the third party's notary platform 304, the circumstantial request including the fourth party The user identification; the notarization platform 304 is configured to send the copy stored on the notary platform 304 to the terminal or platform of the fourth party according to the user identifier of the fourth party.

The user identifier of the fourth party may be one or more user identifiers registered on the notary platform 304, and may be a natural person, an investment institution, an authentication institution, or a financial platform other than the financial platform of the first party, on the notary platform 304. The registered user ID. The user identifier of the fourth party may also be a platform identifier corresponding to another notary platform other than the notary platform 304. The fourth party's user ID may also be an email account provided by the second party. The user identifier of the fourth party may also be a platform identifier of the financial platform other than the financial platform of the first party above. It can be understood that the fourth party can be one or more.

The notarization platform 304 is configured to send the copy stored on the notary platform 304 to the terminal or platform of the fourth party according to the user identifier of the fourth party provided by the second party, so that the fourth party participates in the notarization of the copy, and increases the time. Notarized credibility and reliability.

In an embodiment, the notarization platform 304 is configured to obtain the preset circumstantial setting information, where the collateral setting information includes the user identifier of the fourth party; the notifying platform 304 is configured to send the fourth party's user identifier to the fourth party terminal or platform according to the fourth party user identifier. A designated portion of the copy and/or stored copy stored on the notary platform 304 and/or a stored set of copies.

In one embodiment, the financial platform 302 is configured to transmit the copy of the generated copy and/or the specified portion of the generated copy and/or the cumulatively generated copy to the terminal of the second party in a preset manner; and / Or, the notary platform 304 is configured to transmit the locally stored copy and/or the specified portion of the stored copy and/or the stored copy set to the second party's terminal in a preset manner; and/or the fourth party terminal or The platform is configured to transmit the locally stored copy and/or the specified portion of the stored copy and/or the stored copy set to the second party's terminal in a preset manner.

The default method can be email, short mail, voice, program protocol interface, image, video, 3D scanning, WeChat or SMS. In this embodiment, the second party itself may store a copy of the protocol information and/or the fund details information, and may perform dual or three-party information verification when needed to prevent the notary platform 304 from being faulty when the notary platform 304 is used alone. The risk of loss of notary ability.

In one embodiment, the financial platform 302, the notary platform 304, and the fourth party's terminal or platform are also used to exchange stored copies and/or copies of designated portions and/or copies of the copies with each other, and to exchange the obtained copies. And/or the specified portion of the copy and/or the set of copies are compared to the corresponding locally stored copy and/or the specified portion of the locally stored copy and/or the locally stored set of copies, and a risk alert is issued when inconsistent.

In one embodiment, the financial platform 302, the notary platform 304, and the fourth party's terminal or platform are also used to exchange attribute information of the stored copy with each other, and exchange the obtained attribute information with the attribute information of the locally stored copy. Make comparisons and issue a risk alert when they are inconsistent.

In one embodiment, the financial platform 302, the notary platform 304, and the fourth party terminal or platform are further configured to exchange verification information generated according to the stored copy with each other, and exchange the obtained verification information with the local The verification information generated by the stored copy is compared, and a risk prompt is issued when the inconsistency occurs.

The above-mentioned embodiments are merely illustrative of several embodiments of the present invention, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, the scope of the invention should be determined by the appended claims.

Claims

A financial platform data notarization method, the method comprising:

The first party financial platform generates protocol information and/or fund detail information according to the fund request initiated by the second party terminal; stores the protocol information and/or fund detail information, and/or, the protocol information and/or Or transfer the fund details to the storage platform for storage;

The financial platform and/or the storage platform generates a copy of the protocol information and/or fund detail information and generates the generated copy and/or the specified portion of the generated copy and/or accumulates the generated The copy of the copy obtained from the copy is transmitted to a third party's notary platform;

The notary platform acquires and stores a specified portion of the copy and/or the copy and/or the set of copies, and provides a designated portion and/or portion of the stored copy and/or the stored copy The query interface for the stored copy collection.
The method of claim 1 further comprising:

Exchanging the stored copy of the copy and/or the specified portion of the copy and/or the set of copies between the financial platform and the notary platform or between the plurality of the notarized platforms, and exchanging the obtained And/or the specified portion of the copy and/or the set of copies are compared with a corresponding locally stored copy and/or a specified portion of the locally stored copy and/or a locally stored set of copies, when inconsistent Issue a risk warning; or,

Exchanging attribute information of the stored copy between the financial platform and the notarization platform or between the plurality of the notarized platforms, and comparing the attribute information obtained by the exchange with the attribute information of the locally stored copy Yes, when the inconsistency is issued, a risk warning; or,

Exchanging verification information generated according to the stored copy between the financial platform and the notarization platform or between the plurality of the notarized platforms, and exchanging the verification information obtained according to the local storage The verification information generated by the copy is compared, and when there is an inconsistency, a risk prompt is issued.
The method of claim 1 further comprising:

The financial platform updates the protocol information and/or fund detail information, and when the preset time condition is met and/or when a preset transmission trigger event is detected, the updated protocol information and/or fund details are transmitted to the notary platform. A set of updated copies obtained from a copy of the information and/or a designated portion of the updated copy and/or a cumulatively updated copy, such that the notarized platform stores a designated portion and/or an updated copy of the updated copy and/or updated copy set.
The method of claim 3, wherein the method further comprises:

The notarization platform acquires a specified portion of the updated copy and/or updated copy and/or an updated copy set, and stores the updated portion and/or the specified portion of the updated copy and/or the updated copy set with the stored And/or a specified portion of the stored copy and/or a set of stored copies are associated and stored, and a query is provided for the specified portion of the updated copy and/or the updated copy and/or the updated copy set interface.
The method of claim 1 further comprising:

The notarization platform receives a punctuality request sent by the second party's terminal and/or the financial platform and/or a notary platform other than the third party's notarization platform, and the circumstantial request includes a fourth party user Identifying; the notarization platform transmitting the stored copy and/or the specified portion of the stored copy and/or the stored copy set to the fourth party terminal or platform according to the fourth party user identifier; or

The notarization platform obtains the preset circumstantial setting information, where the circumstantial setting information includes the user identifier of the fourth party; the notary platform sends the stored information to the terminal or platform of the fourth party according to the user identifier of the fourth party A specified portion of the copy and/or stored copy and/or a collection of stored copies.
The method of claim 1 further comprising:

Transmitting, by the financial platform, the generated copy and/or the specified portion of the generated copy and/or the set of copies obtained by accumulating the generated copy to a terminal of the second party; and/or ,

The notarization platform transmits the locally stored copy and/or the specified portion of the stored copy and/or the stored copy set to the terminal of the second party in a preset manner.
The method according to claim 1, wherein the second party terminal is a personal computer, a television set, a smart box, a set top box, a mobile terminal, a smart vehicle, a server, a smart wearable device, an Internet of Things device, and A combination of one or more of the stereoscopic imaging devices.
The method according to claim 1, wherein the financial platform is a personal-to-person online loan platform, a personal-to-enterprise online lending platform, an institution-to-institution online lending platform, a bond transfer platform, an equity crowdfunding platform, and a resource public. Platform, public welfare crowdfunding platform, personal-to-person equity investment platform, Internet project investment platform, targeted fund raising platform, venture capital platform, local financing platform, wealth management platform, e-commerce platform, online insurance platform, resource trading platform and folk A comprehensive platform formed by one or more combinations of lending platforms.
The method of claim 1 wherein said financial platform generates a copy of said protocol information and/or fund detail information and assigns said generated copy and/or said designated portion of said generated copy to / or the collection of copies obtained by accumulating the generated copy is transmitted to a third party's notary platform, including:

Forming, by the financial platform, a copy of the protocol information and/or the fund details information according to the first notarization request initiated by the terminal of the second party, and/or the specified copy and/or the specified portion of the generated copy and/or The set of copies obtained by accumulating the generated copy is transmitted to the third party's notary platform; or

Forming, by the financial platform, a copy of the protocol information and/or the fund details information according to the second notarization request initiated by the terminal of the second party, and/or the specified copy and/or the specified portion of the generated copy and/or The set of copies obtained by accumulating the generated copy is transmitted to one or more of the third party's notary platforms; or

Forming, by the financial platform, a copy of the protocol information and/or the fund details information according to the third notarization request initiated by the terminal of the second party, and/or the specified copy and/or the specified portion of the generated copy and/or The set of copies obtained by accumulating the generated copy is transmitted to one or more notarial platforms of a third party specified in the third notary request; or

The financial platform generates, according to the fourth notarization request initiated by the terminal of the second party, a copy of the partial information specified in the fourth notarization request and/or the fund details, and the generated copy and/or the The specified portion of the generated copy and/or the set of copies obtained by accumulating the generated copy are transmitted to the third party's notary platform.
The method according to claim 5, wherein the fourth party's user identifier is a natural person, an investment institution, an authentication institution, or a financial platform other than the first party's financial platform on the notary platform. Registered user ID; or,

The user identifier of the fourth party is a platform identifier corresponding to the notarization platform other than the third party's notarization platform; or

The user ID of the fourth party is an email account provided by the second party; or

The user identifier of the fourth party is a platform identifier of a financial platform other than the financial platform of the first party.
The method of claim 5, wherein the method further comprises:

The financial platform, the notary platform, and the fourth party's terminal or platform exchange stored copies of the copy and/or designated portions of the copy and/or the set of copies with each other, and exchanged The copy and/or the specified portion of the copy and/or the set of copies are compared to a corresponding portion of the locally stored copy and/or a specified portion of the locally stored copy and/or a locally stored set of copies, when inconsistent Issue a risk alert; or,

And the financial platform, the notarization platform, and the terminal or platform of the fourth party exchange attribute information of the stored copy with each other, and perform the attribute information obtained by the exchange with the attribute information of the locally stored copy. Compare, when there is an inconsistency, issue a risk warning; or,

The financial platform, the notarization platform, and the terminal or platform of the fourth party exchange check information generated according to the stored copy with each other, and exchange the obtained verification information with local storage. The verification information generated by the copy is compared, and a risk prompt is issued when the inconsistency occurs.
The method of claim 5, wherein the method further comprises:

The fourth party terminal or platform transmits the locally stored copy and/or the specified portion of the stored copy and/or the stored copy set to the second party terminal in a preset manner.
A financial platform data notarization system, characterized in that the system comprises: a first party financial platform and a third party notarization platform;

The financial platform is configured to generate protocol information and/or fund detail information according to a fund request initiated by a terminal of the second party, store the protocol information and/or fund detail information, or, by using the protocol information and/or The fund details information is transmitted to the storage platform for storage;

The financial platform is further configured to generate a copy of the protocol information and/or fund detail information, and generate the generated copy and/or a specified portion of the generated copy and/or accumulate the generated copy The obtained copy set is transmitted to a third party's notary platform;

The notarization platform is configured to acquire and store a specified portion of the copy and/or the copy and/or the set of copies, and provide a specified portion of the stored copy and/or the stored copy and / or the query interface of the stored copy set.
The system of claim 13 wherein said financial platform is further for communicating with said notary platform or said plurality of said notarized platforms are further for exchanging said copies and/or stores between each other Determining a specified portion of the copy and/or the set of copies, and exchanging the obtained copy of the copy and/or the specified portion of the copy and/or the set of copies with a corresponding locally stored copy or a locally stored copy Specify the parts to be compared, and issue a risk warning when they are inconsistent; or,

The financial platform is further configured to exchange attribute information of the stored copy with each other between the notarization platform or the plurality of the notarization platforms, and exchange the obtained attribute information with the locally stored The attribute information of the copy is compared, and when the inconsistency is issued, a risk prompt is issued; or,

The financial platform is further configured to exchange, with the notarization platform or the plurality of the notarization platforms, calibration information generated according to the stored copy, and the verification obtained by the exchange The information is compared against the verification information generated from the locally stored copy, and a risk alert is issued when the inconsistency occurs.
The system according to claim 13, wherein said financial platform is further configured to update said protocol information and/or fund detail information when a predetermined time condition is met and/or when a preset transmission trigger event is detected Transmitting, to the notary platform, updated protocol information and/or a copy of the fund details and/or a specified portion of the updated copy and/or a set of updated copies obtained from the cumulatively updated copy, causing the notary platform to store the update The specified portion of the copy and/or the updated copy and/or the updated copy collection.
The system of claim 15 wherein said notarization platform is further for obtaining a specified portion of said updated copy and/or updated copy and/or an updated copy set, said updated copy and/or Or a specified portion of the updated copy and/or an updated copy set is associated with and stored with the stored portion and/or the specified portion of the stored copy and/or the stored copy set, and provides a copy of the update and / or the specified part of the updated copy and / or the query interface of the updated copy set.
The system according to claim 13, wherein said notarization platform is further configured to receive a notarization of said second party terminal and/or said financial platform and/or a notarization platform other than said third party a circumstantial request sent by the platform, the circumstantial request includes a fourth party user identifier; the notarization platform sends the stored copy and/or storage to the fourth party terminal or platform according to the fourth party user identifier The specified portion of the copy and/or the stored copy of the set of terminals or platforms of the fourth party; or,

The notarization platform is further configured to obtain the preset circumstantial setting information, where the circumstantial setting information includes a user identifier of the fourth party; the notary platform sends the location to the terminal or platform of the fourth party according to the user identifier of the fourth party A specified portion of the stored copy and/or stored copy and/or a stored set of copies.
The system according to claim 13, wherein said financial platform is further configured to store said generated copy and/or a specified portion of said generated copy and/or accumulate said generated copy in a preset manner And the obtained copy set is transmitted to the second party terminal; and/or,

The notarization platform is further configured to transmit the locally stored copy and/or the specified portion of the stored copy and/or the stored copy set to the second party terminal in a preset manner.
The system according to claim 13, wherein the financial platform is a personal-to-person online loan platform, a personal-to-enterprise online lending platform, an institution-to-institution online lending platform, a bond transfer platform, an equity crowdfunding platform, and a resource public. Platform, public welfare crowdfunding platform, personal-to-person equity investment platform, Internet project investment platform, targeted fund raising platform, venture capital platform, local financing platform, wealth management platform, e-commerce platform, online insurance platform, resource trading platform and folk A comprehensive platform formed by one or more combinations of lending platforms.
The system according to claim 13, wherein the financial platform is further configured to generate a copy of the protocol information and/or the fund details according to the first notarization request initiated by the terminal of the second party, and generate the generated copy Or transmitting a specified portion of the generated copy to the third party's notary platform; or,

The financial platform is further configured to generate a copy of the protocol information and/or the fund detail information according to the second notarization request initiated by the terminal of the second party, and transmit the generated copy or the specified portion of the generated copy to one or a notarization platform of a plurality of said third parties; or,

The financial platform is further configured to generate a copy of the protocol information and/or the fund detail information according to the third notarization request initiated by the terminal of the second party, and transmit the generated copy or the designated portion of the generated copy to the third One or more notarized platforms of third parties specified in the notarization request; or,

The financial platform is further configured to generate, according to the fourth notarization request initiated by the terminal of the second party, a copy of the partial information specified in the fourth notarization request and/or the fund details, and generate the copy or the The specified portion of the generated copy is transmitted to the third party's notary platform.