CN104166882A - Financial asset transaction method based on P2P technology - Google Patents
Financial asset transaction method based on P2P technology Download PDFInfo
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- CN104166882A CN104166882A CN201410380088.4A CN201410380088A CN104166882A CN 104166882 A CN104166882 A CN 104166882A CN 201410380088 A CN201410380088 A CN 201410380088A CN 104166882 A CN104166882 A CN 104166882A
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- transaction
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- trading server
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Abstract
The invention discloses a financial asset transaction method based on the P2P technology, and relates to the field of financial asset transaction in curb markets. The method includes the following steps that when a purchasing user needs to purchase financial assets, a transaction server returns an asset package corresponding to the current Index and the communication address of a transaction terminal of the user who holds the financial assets currently to a transaction terminal of the purchasing user; after the users negotiate successfully through the transaction terminals, the users of two parties respectively form a transaction result data package by the current asset package and registration information of the purchasing user trough the transaction terminals; after receiving the transaction result data packages sent by the transaction terminals of the two parties, the transaction server completes capital transfer according to the transaction result data packages. The financial asset transaction method is safe, low in invest cost and wide in application range.
Description
Technical field
The present invention relates to financial asset transaction field, kerb market, be specifically related to a kind of financial asset method of commerce based on P2P technology.
Background technology
Existing financial asset method of commerce (such as stock, bond, futures, fund etc.) all adopts concentrated trading patterns (for example concentrate trade matching or concentrate the trade at competitive price etc. of listing).Concentrated trading patterns is the process that easy subject matter and both parties all complete whole transaction (such as product is listed, inquiry, purpose collection, distribution, secondary market are transferred the possession of, cost tackles, assets are completed a business transaction, information announcing etc.) in a unified infosystem.
Consider data centralized stores, focus on, the high responding ability of system when concurrent of data, concentrated trading patterns is higher to system performance, stability and security requirement, has following defect:
(1) concentrated trading patterns is to the having relatively high expectations of system data processing power and real-time response ability, and then causes the manufacturing cost of system higher; And system running environment has relatively high expectations, and then make operation cost higher, be not suitable for the transaction scene that the frequent profit of small amount is lower, the scope of application is more single.
(2) the systematic comparison complexity of concentrated trading patterns, development difficulty and cycle are longer, and development risk is higher, and cost of development is higher.
(3) centralized data processing of concentrated trading patterns, easily the with clearly defined objective of assault, the certain hidden danger of security presence of causing under attack.
Summary of the invention
For the defect existing in prior art, the object of the present invention is to provide a kind of financial asset method of commerce based on P2P technology, not only safer, and also input cost is lower, and the scope of application is more extensive.
For reaching above object, the technical scheme that the present invention takes is: a kind of financial asset method of commerce based on P2P technology, comprises the following steps:
A, user is in licit traffic institute registration and obtain licit traffic identity; User installation transaction terminal, active user's log-on message is verified and bound to transaction terminal; Determine the type that user need to conclude the business, if user need to transfer the possession of financial asset, forward step B to, if user need to buy financial asset, forward step C to;
B, user cross transaction terminal by the financial asset information exchange of needs transfer and are uploaded to trading server; Trading server, by associated current financial asset information and user's log-on message, forms assets bag; Current assets bag is added into assets the package list, and the index IndexList of new assets the package list more by trading server, finishes;
C, purchase user P2 obtain IndexList by the transaction terminal of oneself from trading server, transaction terminal finds after the financial asset index Index that needs transaction at IndexList, and the transaction terminal of P2 sends the transaction request that comprises current I ndex to trading server; After trading server is verified the log-on message of P2, trading server, by the mailing address of the transaction terminal of holding user P1 of the assets bag corresponding with current I ndex and current financial asset, is back to the transaction terminal of P2; The transaction terminal mailing address of the P1 of the transaction terminal basis of P2, sends transaction application to the transaction terminal of P1, forwards step D to;
The transaction terminal of D, P2 and the transaction terminal of P1 connect, after P2 and P1 consult successfully by transaction terminal, P1 confirms to conclude the business and carries out, and the transaction terminal of P1, by associated with the log-on message of P2 current assets bag, form transaction results packet and is also sent to trading server; P2 confirms to conclude the business and carries out, and the transaction terminal of P2, by associated with the log-on message of P2 current assets bag, form transaction results packet and is also sent to trading server, forwards step e to;
E, trading server receive that after the transaction results packet of transaction terminal transmission of P1 and P2, trading server completes funds transfer according to All Activity result data bag, finishes.
On the basis of technique scheme, described in step C, buy user P2 by oneself transaction terminal from trading server obtains IndexList, further comprising the steps of: P2 does not find the financial asset index Index that needs transaction by transaction terminal, finish.
On the basis of technique scheme, the transaction terminal of P2 described in step C sends to trading server after the transaction request that comprises current I ndex, further comprising the steps of: trading server does not pass through the log-on message checking of P2, finishes.
On the basis of technique scheme, the transaction terminal mailing address of the P1 of the transaction terminal basis of P2 described in step C, to the transaction terminal of P1 and send transaction application and comprise the following steps: the transaction terminal of P2 is to the log-on message of the transaction terminal statement P2 of P1 and send transaction application; The transaction terminal of P1 carries out verification to trading server to the log-on message of P2, if verification is not passed through, finishes; If verification is passed through, forward step D to.
On the basis of technique scheme, after the transaction terminal of P2 described in step D and the transaction terminal of P1 connect, comprise the following steps: P2 and P1 consult unsuccessful by transaction terminal, the transaction terminal of P2 and the transaction terminal of P1 disconnect, and finish.
On the basis of technique scheme, after P2 described in step D and P1 consult successfully by transaction terminal, further comprising the steps of: P1 confirms transaction cancellation, finishes; P2 confirms transaction cancellation, finishes.
On the basis of technique scheme, trading server described in step e receives that the transaction results packet that the transaction terminal of P1 and P2 sends comprises the following steps: trading server judged in the stipulated time, whether the transaction assets bag that the transaction terminal of P1 and P2 sends is all received, if not, send transaction to the transaction terminal of P1, P2 and cancel prompting message, finish; Otherwise the transaction terminal to P1, P2 sends Transaction Success prompting message, and trading server completes funds transfer according to All Activity result data bag, finishes.
On the basis of technique scheme, the stipulated time described in step e is 24 hours.
On the basis of technique scheme, trading server described in step e completes funds transfer according to All Activity result data bag and comprises the following steps: trading server at the appointed time completes funds transfer according to All Activity result data bag, finishes.
On the basis of technique scheme, the fixed time described in step e is am3:00.
Compared with prior art, the invention has the advantages that:
(1) transaction terminal that the present invention holds by user completes negotiation and process of exchange, has significantly reduced the working pressure of trading server; Trading server only carries out the work of authentication, transaction results registration and funds transfer.Compared with the system of concentrated trading patterns in prior art, the requirement of the running environment parameter (such as bandwidth, power supply capacity, UPS capacity etc.) of the present invention to system is lower, and then manufacturing cost and the operation cost of having saved system hardware, can be applicable to the transaction scene that the frequent profit of small amount is lower, the scope of application is more extensive.
(2) the present invention disassembles financial transaction flow process can design respectively realization for this various piece of multiple parts, not only can reduce the development difficulty of entire system, and simplify the complexity of the service end of system, can promote development efficiency, reduce development risk, fast meeting the market requirement.
(3) when the present invention carries out financial transaction, trading server only retains transaction results data and both parties' log-on message, does not retain process of exchange data; Can prevent that the external world (for example hacker) from concentrating all information in amendment transaction flow; Even if extraneous amendment partial information, also can cause partial information not mated, thereby initiating system stops transaction alarm.Therefore, the present invention uses safer, can reduce the pressure that information security is safeguarded.
(4), when the present invention carries out financial transaction, buy user and assets and hold with holding per family transaction results data.Because hacker will forge once transaction, must forge both parties' transaction results; Because transaction results data of the present invention are distributed in different user hand, the possibility that therefore hacker directly forges by control terminal is very little, safer.
(5) the present invention separates funds transfer process and transaction confirmation, even if hacker successfully forges once transaction, its fund can not arrive account in time; Because trade confirmation can send in advance, therefore, user can have certain time interval for the transaction that notes abnormalities, and avoids user's loss.
Embodiment
Below in conjunction with embodiment, the present invention is described in further detail.
The financial asset method of commerce based on P2P technology in the embodiment of the present invention, comprises the following steps:
S1: user for example, registers and obtain licit traffic identity in licit traffic mechanism (financial asset exchange); User obtains and installs transaction terminal by safe channel, and active user's log-on message is verified and bound to transaction terminal.
S2: determine that user's (transaction participant) needs the type of transaction, if user need to transfer the possession of financial asset, forwards step S3 to; If user need to buy financial asset, forward step S4 to.
S3: user crosses transaction terminal by the financial asset information exchange of needs transfer and is uploaded to trading server (this server is by the operation maintenance of licit traffic mechanism); Trading server, by associated current financial asset information and user's log-on message, forms assets bag.Current assets bag is added into assets the package list, and the index IndexList of new assets the package list more by trading server, finishes.
S4: buy user P2 and obtain IndexList and search the financial asset index Index that needs transaction among IndexList from trading server by the transaction terminal of oneself, if find current I ndex, forward step S5 to, otherwise prompting does not have current financial asset X, finish.
The transaction terminal of S5:P2 sends the transaction request that comprises current I ndex, the log-on message P of trading server to P2 to trading server
2verify, if be verified, forward step S6 to, otherwise prompting authentication error finishes.
S6: trading server, by the mailing address of the transaction terminal of holding user P1 of the assets bag corresponding with current I ndex [X, P1] and current financial asset, is back to the transaction terminal of P2, forwards step S7 to.
The transaction terminal mailing address of the P1 of the transaction terminal basis of S7:P2, to identity (the log-on message P of the transaction terminal statement P2 of P1
2) and send transaction application, forward step S8 to.
The transaction terminal of S8:P1 is the log-on message P to P2 to trading server
2carry out verification, if verification is not passed through, prompting mistake also finishes; If verification is passed through, forward step S9 to.
The transaction terminal of S9:P2 is set up and is directly connected with the transaction terminal of P1, and P2 and P1 consult by transaction terminal, if consult successfully, forward step S10 to, otherwise Cancel Transaction, and the transaction terminal of P2 and the transaction terminal of P1 disconnect, and finishes.
S10:P1 confirms whether transaction is carried out, if not, Cancel Transaction, finish; Otherwise the transaction terminal of P1 is by current assets bag [X, P
1] with the log-on message P of P2
2association, forms transaction results packet [X, P
1, P
2] and be sent to trading server, forward step S11 to.
P2 confirms whether transaction is carried out, if not end Cancels Transaction; Otherwise the transaction terminal of P2 is by current assets bag [X, P
1] with the log-on message P of P2
2association, forms transaction results packet [X, P
1, P
2] and be sent to trading server, forward step S11 to.
S11: trading server judges in the stipulated time (24 hours), whether the transaction results packet that the transaction terminal of P1 and P2 sends is all received, if not transaction is cancelled, sends transaction cancel prompting message to the transaction terminal of P1, P2, finishes; Otherwise the transaction terminal to P1, P2 sends Transaction Success prompting message, forwards step S12 to.
S12: the trading server transaction record (transaction results packet) that at the appointed time (for example am3:00) strikes a bargain according to all successes completes funds transfer, thereby completes whole process of exchanges, finishes.
When user need to buy financial asset, can, by method of the present invention (step S4~S12), realize the repeatedly circulation trading of financial asset, after each transaction, transaction results all changes, and the transaction results packet of final form is [X, P1, P2, P3, P4 ... Pn].Due to all free time limits of any financial asset, therefore these data can endless; In data, comprise all conclusion of the business records, convenient transaction is adjusted and reviews.
The present invention is not limited to above-mentioned embodiment, for those skilled in the art, under the premise without departing from the principles of the invention, can also make some improvements and modifications, within these improvements and modifications are also considered as protection scope of the present invention.The content not being described in detail in this instructions belongs to the known prior art of professional and technical personnel in the field.
Claims (10)
1. the financial asset method of commerce based on P2P technology, is characterized in that, comprises the following steps:
A, user is in licit traffic institute registration and obtain licit traffic identity; User installation transaction terminal, active user's log-on message is verified and bound to transaction terminal; Determine the type that user need to conclude the business, if user need to transfer the possession of financial asset, forward step B to, if user need to buy financial asset, forward step C to;
B, user cross transaction terminal by the financial asset information exchange of needs transfer and are uploaded to trading server; Trading server, by associated current financial asset information and user's log-on message, forms assets bag; Current assets bag is added into assets the package list, and the index IndexList of new assets the package list more by trading server, finishes;
C, purchase user P2 obtain IndexList by the transaction terminal of oneself from trading server, transaction terminal finds after the financial asset index Index that needs transaction at IndexList, and the transaction terminal of P2 sends the transaction request that comprises current I ndex to trading server; After trading server is verified the log-on message of P2, trading server, by the mailing address of the transaction terminal of holding user P1 of the assets bag corresponding with current I ndex and current financial asset, is back to the transaction terminal of P2; The transaction terminal mailing address of the P1 of the transaction terminal basis of P2, sends transaction application to the transaction terminal of P1, forwards step D to;
The transaction terminal of D, P2 and the transaction terminal of P1 connect, after P2 and P1 consult successfully by transaction terminal, P1 confirms to conclude the business and carries out, and the transaction terminal of P1, by associated with the log-on message of P2 current assets bag, form transaction results packet and is also sent to trading server; P2 confirms to conclude the business and carries out, and the transaction terminal of P2, by associated with the log-on message of P2 current assets bag, form transaction results packet and is also sent to trading server, forwards step e to;
E, trading server receive that after the transaction results packet of transaction terminal transmission of P1 and P2, trading server completes funds transfer according to All Activity result data bag, finishes.
2. the financial asset method of commerce based on P2P technology as claimed in claim 1, it is characterized in that: described in step C, buy user P2 by oneself transaction terminal from trading server obtains IndexList, further comprising the steps of: P2 does not find the financial asset index Index that needs transaction by transaction terminal, finish.
3. the financial asset method of commerce based on P2P technology as claimed in claim 1, it is characterized in that: the transaction terminal of P2 described in step C sends to trading server after the transaction request that comprises current I ndex, further comprising the steps of: trading server does not pass through the log-on message checking of P2, finishes.
4. the financial asset method of commerce based on P2P technology as claimed in claim 1, it is characterized in that: the transaction terminal mailing address of the P1 of the transaction terminal basis of P2 described in step C, to the transaction terminal of P1 and send transaction application and comprise the following steps: the transaction terminal of P2 is to the log-on message of the transaction terminal statement P2 of P1 and send transaction application; The transaction terminal of P1 carries out verification to trading server to the log-on message of P2, if verification is not passed through, finishes; If verification is passed through, forward step D to.
5. the financial asset method of commerce based on P2P technology as claimed in claim 1, it is characterized in that: after the transaction terminal of P2 described in step D and the transaction terminal of P1 connect, comprise the following steps: P2 and P1 consult unsuccessful by transaction terminal, the transaction terminal of P2 and the transaction terminal of P1 disconnect, and finish.
6. the financial asset method of commerce based on P2P technology as claimed in claim 1, is characterized in that: after P2 described in step D and P1 consult successfully by transaction terminal, further comprising the steps of: P1 confirms transaction cancellation, finishes; P2 confirms transaction cancellation, finishes.
7. the financial asset method of commerce based on P2P technology as claimed in claim 1, it is characterized in that: trading server described in step e receives that the transaction results packet that the transaction terminal of P1 and P2 sends comprises the following steps: trading server judged in the stipulated time, whether the transaction assets bag that the transaction terminal of P1 and P2 sends is all received, if not, send transaction to the transaction terminal of P1, P2 and cancel prompting message, finish; Otherwise the transaction terminal to P1, P2 sends Transaction Success prompting message, and trading server completes funds transfer according to All Activity result data bag, finishes.
8. the financial asset method of commerce based on P2P technology as claimed in claim 7, is characterized in that: the stipulated time described in step e is 24 hours.
9. the financial asset method of commerce based on P2P technology as claimed in claim 1, it is characterized in that: trading server described in step e completes funds transfer according to All Activity result data bag and comprises the following steps: trading server at the appointed time completes funds transfer according to All Activity result data bag, finish.
10. the financial asset method of commerce based on P2P technology as claimed in claim 9, is characterized in that: the fixed time described in step e is am3:00.
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CN105427104A (en) * | 2015-12-08 | 2016-03-23 | 布比(北京)网络技术有限公司 | Method and method for handling digital assets by means of distributed general ledger |
WO2016191937A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
WO2016191928A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
WO2016191973A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method and lending system |
CN107194808A (en) * | 2017-04-21 | 2017-09-22 | 防城港市丰禾曲辰农业科技有限公司 | A kind of management method that financial transaction is realized with block chain |
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TWI635453B (en) * | 2017-05-03 | 2018-09-11 | 網路家庭國際資訊股份有限公司 | Point-to-point financial product trading method |
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WO2016191937A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
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