CN108830686A - A kind of assets information processing method and server based on block chain - Google Patents

A kind of assets information processing method and server based on block chain Download PDF

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Publication number
CN108830686A
CN108830686A CN201810585194.4A CN201810585194A CN108830686A CN 108830686 A CN108830686 A CN 108830686A CN 201810585194 A CN201810585194 A CN 201810585194A CN 108830686 A CN108830686 A CN 108830686A
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China
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assets
user
block chain
information
according
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CN201810585194.4A
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Chinese (zh)
Inventor
卢亦斌
张艳菊
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中链科技有限公司
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Priority to CN201810585194.4A priority Critical patent/CN108830686A/en
Publication of CN108830686A publication Critical patent/CN108830686A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • G06Q30/0609Buyer or seller confidence or verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Investment, e.g. financial instruments, portfolio management or fund management

Abstract

The invention discloses a kind of assets information processing methods and server based on block chain, wherein method includes:Receive the assets transfer request of the first user transmission;It receives second user and transfers the possession of response message according to the assets of assets transfer request feedback;Obtain the credit information of corresponding second user;Second user is ranked up, and ranking results are fed back into the first user;Receive the selection information that the first user generates according to ranking results;Corresponding ownership of assets change is completed according to selection information, and change result is broadcasted in block chain.Assets information processing method and server provided in an embodiment of the present invention based on block chain, each user is connected by block chain, and information exchange and ownership of assets change are carried out in block chain, by means of block chain technology can not tamper and traceability, avoid existing internet financial platform handle assets circulation when the cumbersome problem of formality.

Description

A kind of assets information processing method and server based on block chain

Technical field

The present invention relates to digital asset circulation technical fields, and in particular to a kind of assets information processing side based on block chain Method and server.

Background technique

Assets information processing based on internet finance is by using information technology, Internet service and traditional financial Business is organically combined, and is formed with user experience as first, interactive, personalized innovative Finance Service.Internet Finance is compared with traditional financial, advantage and the high advantage for the treatment of effeciency with data rich.The convenience of internet is got through The fund chain of internet finance, reduces asset management and operation cost.Also, internet finance can more easily polymerize The scattered funds of personal user had both improved status of the internet finance operator in business negotiation, but also personal user Scattered funds can obtain higher profit return.Although internet finance has many merits, current internet There are still the problems that assets circulation is inconvenient or formality is cumbersome for financial platform.For example, being issued in existing internet financial platform Finance product, can not be transferred the possession of again in investor one end, also will be by comparing cumbersome commission, just even if can transfer the possession of Equal legal means, formality is very cumbersome, higher cost.Therefore, internet finance is further increased to imitate the processing that assets circulate Rate simplifies the formality of assets circulation, is current urgent problem to be solved.

Summary of the invention

In view of this, the embodiment of the invention provides a kind of assets information processing method and server based on block chain, To solve the problems, such as that the circulation of assets existing for existing internet financial platform is inconvenient or formality is cumbersome.

According in a first aspect, the embodiment of the invention provides a kind of assets information processing methods based on block chain, including: The assets transfer request of the first user transmission is received, and assets transfer request is broadcasted in block chain;It receives extremely A few second user transfers the possession of response message according to the assets of assets transfer request feedback;Response letter is transferred the possession of according to the assets Breath obtains the credit information of corresponding second user;An at least second user is ranked up according to the credit information, And ranking results are fed back into first user;First user is received to be believed according to the selection that the ranking results generate Breath;Corresponding ownership of assets change is completed according to the selection information, and change result is broadcasted in block chain.

Assets information processing method provided in an embodiment of the present invention based on block chain is joined each user by block chain System gets up, and in block chain carry out information exchange and ownership of assets change, by means of block chain technology can not tamper And traceability, the legitimate rights and interests of both parties can be guaranteed during ownership of assets change, avoid existing mutual Financial platform of networking cumbersome problem of formality when handling assets circulation.In addition, passing through each user node on block chain It arranges intelligent contract, can quickly complete ownership of assets change, can trigger intelligence once user generates selection information and close It is about automatically performed corresponding ownership of assets change, it is inconvenient to solve the circulation of assets existing for existing internet financial platform The problem of, improve asset stream transfer efficient.Assets information processing method provided in an embodiment of the present invention based on block chain, by right The second user progress credit information sequence that assets transfer the possession of response message is fed back, is realized to each of participation internet finance activities The credit management of a user, and relevant credit information can carry out the shared and common maintenance of block chain, and it is mutual to be conducive to purification Networking financial environment, safeguards the legitimate rights and interests of user.

With reference to first aspect, in first aspect first embodiment, the assets transfer request is finance product transfer Request, the finance product transfer request is including at least the identification information of first user, finance product purchase contract and turns Allow one of conditional information.

Finance product transfer is requested conduct by the assets information processing method provided in an embodiment of the present invention based on block chain The request of assets transfer, and then realize the circulation of finance product, it solves the financing issued in existing internet financial platform and produces Product, the problem of investor one end can not be transferred the possession of again.

With reference to first aspect or first aspect first embodiment, in first aspect second embodiment, the acquisition The step of credit information of corresponding second user, including:Obtain the behavior of credit information of the second user;The credit row One of identification information, credit information, refund information and the promise breaking information of the second user are included at least for information;According to The behavior of credit information generates corresponding credit information;The credit information is stored and broadcasted in block chain.

Assets information processing method provided in an embodiment of the present invention based on block chain passes through the loan to user, refund It is analyzed with promise breaking etc. with behavior of credit, and then generates the credit information of user, realized to the credit of internet finance user Management achievees the purpose that purify internet financial environment and safeguards the legitimate rights and interests of user.

With reference to first aspect, in first aspect third embodiment, the assets transfer that first user sends is requested For request of borrowing money, the loaning bill request includes borrowing balance, borrow money period and borrowing rate.

Assets information processing method provided in an embodiment of the present invention based on block chain, it is financial using financier as internet The promoter of business will borrow money request as assets transfer and request, and then realizes the lending and borrowing business of digital asset, solve existing Internet financial platform existing for the inconvenient problem of assets circulation, improve asset stream transfer efficient.

Third embodiment with reference to first aspect, it is described to receive at least one second in the 4th embodiment of first aspect The step of user transfers the possession of response message according to the assets of assets transfer request feedback, including:According at least one loaning bill Request generates set loaning bill request;The amount of the set loaning bill request is the sum of the borrowing balance in each request of borrowing money, And the loaning bill period of each request of borrowing money in the set loaning bill request is identical with borrowing rate;It is borrowed according to the set The amount of money request issues finance product in block chain;At least one second user is received to be fed back according to the finance product Assets transfer the possession of response message.

Assets information processing method provided in an embodiment of the present invention based on block chain, passes through initiate multiple financiers Request of borrowing money merges, and the finance product distribution realized in block amount is improved with meeting the debt-credit needs of numerous financiers Utilization efficiency of the internet finance to fund.

With reference to first aspect, in the 5th embodiment of first aspect, the assets transfer that first user sends is requested It is invited for fund supply, the fund supply is invited including the supply amount of money, make loans period and aspired profit;As first user When the assets transfer request of transmission is invited for fund supply, asked in a reception at least second user according to the assets transfer Negate feedback assets transfer the possession of response message the step of after and it is described according to the assets transfer the possession of response message obtain it is corresponding Before the step of credit information of second user, the assets information processing method based on block chain further includes:According to described Assets are transferred the possession of response message and are screened to the corresponding second user.

Assets information processing method provided in an embodiment of the present invention based on block chain, it is financial using fund side as internet Fund supply is invited and is requested as assets transfer by the promoter of business, and then realizes the lending and borrowing business of digital asset, is solved The inconvenient problem of the circulation of assets existing for existing internet financial platform, improves asset stream transfer efficient.In addition, for feedback The step of second user that assets transfer the possession of response message is also additionally arranged screening needs unmatched user to filter out business, improves The treatment effeciency of credit operation in internet finance.

5th embodiment with reference to first aspect, it is described to be turned according to the assets in first aspect sixth embodiment The step of allowing response message to screen the corresponding second user, including:Extract the assets of the second user feedback Transfer the possession of the borrowing balance in response message, borrow money period and borrowing rate information;When the loaning bill period and the lending period It is consistent, and when the borrowing rate is consistent with the aspired profit, judges whether the borrowing balance is greater than the supply amount of money; When the borrowing balance is not more than the supply amount of money, retain corresponding second user;Described in being greater than when the borrowing balance When supplying the amount of money, corresponding second user is deleted.

Assets information processing method provided in an embodiment of the present invention based on block chain utilizes period and the borrowing rate of borrowing money First time screening is carried out to the second user for feeding back assets transfer response message, only loaning bill period and borrowing rate and sending money In the lending period and the consistent second user of aspired profit that the fund side that gold supply is invited promises to undertake, it could pass through and screen for the first time. By the comparison and screening to borrow money period and borrowing rate, the fund side of lending and the financier both sides of debt-credit can be safeguarded Legitimate rights and interests, and accelerate the treatment progress of credit operation.Assets information processing provided in an embodiment of the present invention based on block chain Method carries out programmed screening, only borrowing balance using the second user that borrowing balance transfers the possession of response message to feedback assets When no more than the supply amount of money for issuing fund side's promise that fund supply is invited, programmed screening could be passed through.By to loaning bill The comparison and screening of the amount of money can filter out the second user that financing needs exceed fund supply range, and then help financing needs And fund supply matches and reaches credit agreement as early as possible between user, accelerates the treatment progress of credit operation.

In conjunction with second aspect, the embodiment of the invention provides a kind of servers, including:Receiving unit, for receiving first The assets transfer request that user sends, and assets transfer request is broadcasted in block chain;And it receives extremely A few second user transfers the possession of response message according to the assets of assets transfer request feedback, and transfers the possession of response according to the assets The credit information of the corresponding second user of acquisition of information;Sequencing unit, for according to the credit information to described at least 1 the Two users are ranked up, and ranking results are fed back to first user;The receiving unit is also used to receive described first The selection information that user generates according to the ranking results;Changing unit, for completing corresponding money according to the selection information Ownership Changes are produced, and change result is broadcasted in block chain.

According to the third aspect, the embodiment of the invention provides a kind of servers, including:Memory and processor, it is described to deposit Connection is communicated with each other between reservoir and the processor, computer instruction is stored in the memory, and the processor passes through Execute the computer instruction, thereby executing described in any one of first aspect or first aspect embodiment based on The assets information processing method of block chain.

It is described computer-readable the embodiment of the invention provides a kind of computer readable storage medium according to fourth aspect Storage medium stores computer instruction, and the computer instruction is for making the computer execute first aspect or first aspect Any one embodiment described in the assets information processing method based on block chain.

Detailed description of the invention

The features and advantages of the present invention will be more clearly understood by referring to the accompanying drawings, and attached drawing is schematically without that should manage Solution is carries out any restrictions to the present invention, in the accompanying drawings:

Fig. 1 shows the application scenarios schematic diagram of the embodiment of the present invention;

One of assets information processing method Fig. 2 shows one of embodiment of the present invention based on block chain specifically shows The flow chart of example;

Fig. 3, which is shown, realizes step S103 in a kind of assets information processing method based on block chain in the embodiment of the present invention The flow chart of a specific example of the credit information of corresponding second user is obtained according to assets transfer response message;

Fig. 4, which is shown, realizes step S102 in a kind of assets information processing method based on block chain in the embodiment of the present invention Receive the process that an at least second user transfers the possession of a specific example of response message according to the assets of assets transfer request feedback Figure;

Fig. 5 shows one of another assets information processing method based on block chain in the embodiment of the present invention specifically Exemplary flow chart;

Fig. 6 shows in the embodiment of the present invention another kind based on realizing step in the assets information processing method of block chain S107 transfers the possession of the flow chart for the specific example that response message screens corresponding second user according to assets;

Fig. 7 shows the structural schematic diagram of a specific example of one of embodiment of the present invention server;

Fig. 8 shows the structural schematic diagram of a specific example of another server in the embodiment of the present invention.

Specific embodiment

In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those skilled in the art are not having Every other embodiment obtained under the premise of creative work is made, shall fall within the protection scope of the present invention.

As shown in Figure 1, being the application scenarios schematic diagram of the embodiment of the present invention.By the first user node 1, second user node 2, third party's intermediary node 3 and third party transaction node 4 pass through the one alliance's chain of building of block chain 5, carry out gold between user Melt the processing of assets information involved in activity, is carried out in alliance's chain.The quantity of user node is unlimited in alliance's chain , it is only schematically shown in Fig. 1 with the first user node 1 and second user node 2, also, the use in alliance's chain Family node is also possible to financial institution either personal user.The letter such as assets information process demand and response between user Breath, is handled in third party's intermediary node 3.On the one hand, the assets information processing between user can be by third party Jie's node 3 is brought together;On the other hand, point-to-point direct dealing can also be carried out between user.Third party transaction node 4 refers to Be that bank etc. provides with funds the finance service of trusteeship service, specific digital cash circulation services can be executed.In addition to Except several nodes shown in FIG. 1, judicial expertise node, supervisory node can also be introduced in alliance's chain and deposits card node etc., Further to improve the assets information processing function of alliance's chain, and improve the safety and reliability of assets information processing.

In some embodiments, as shown in Fig. 2, third party's intermediary node 3 realizes assets information by executing following steps Processing:

Step S101:Receive the first user transmission assets transfer request, and by assets transfer request in block chain into Row broadcast.The assets transfer request that first user 1 sends can be the request of finance product transfer, be also possible to borrow money request or money Gold supply is invited, corresponding different internet financial business.

Step S102:It receives an at least second user and transfers the possession of response message according to the assets of assets transfer request feedback.The Two users 2 are after the assets transfer request that block chain 5 knows that the first user 1 sends, if it is considered to meet self-demand, Ke Yixiang Third party's intermediary node 3 feeds back corresponding assets and transfers the possession of response message, to show that it wishes to reach financial transaction with the first user 1 Wish.

Step S103:The credit information that response message obtains corresponding second user is transferred the possession of according to assets.It is specific real one It applies in mode, as shown in figure 3, can realize the mistake for obtaining the credit information of corresponding second user by following sub-step Journey:

Step S1031:Obtain the behavior of credit information of second user.Specifically, behavior of credit information includes second user Identification information, credit information, refund information and promise breaking information.Pass through the Name or Designation of user, identification card number or group loom Structure code, biological characteristic and history application loan request slip, loan agreement, modification of contract, refund voucher, collection authority, The behavior of credit such as assumpsit can establish personal credit record, to record behavior of credit information for it.By each user's Personal credit record deposit block chain, is inquired by the Name or Designation, identification card number or organization mechanism code of user, can To obtain loaning bill business number of the user by third party's intermediary node 3 on alliance's chain to each financial institution, if having and urged Receive record, if there is promise breaking to record, if to have court document etc..

Step S1032:Corresponding credit information is generated according to behavior of credit information.According to above-mentioned behavior of credit information and press According to preset standard diagrams, user can be divided into various credit grades.For example, in two years without the use of any record of bad behavior Family, credit grade can be set as AAA;Once level-one drops in the credit grade of overdue record of refunding, and can be set as AA;It urges That receives record drops level-one again, can be set as A;There is piping off for court document.

Step S1033:Credit information is stored and broadcasted in block chain.By by credit information in block chain It is stored and is broadcasted, so that the credit informations such as above-mentioned credit record and credit grade, can be total to by each member in alliance's chain It enjoys, and safeguards jointly.By step S1031 to step S1033, it can be realized the credit management to internet finance user, reach To the purpose of purification internet financial environment and the legitimate rights and interests for safeguarding user.

Step S104:An at least second user is ranked up according to credit information, and ranking results are fed back to first User.In a specific embodiment, it can be carried out by the credit grade of each second user by substantially small linear Sequence, makes the highest second user of credit grade be listed in the front end of ranking results.

Step S105:Receive the selection information that the first user generates according to ranking results.Specifically, the first user 1 can be with One or more second users 2 are independently selected in the ranking results that third party's intermediary node 3 provides, and complete corresponding assets letter Breath processing.The selection information that first user 1 sends may include the object of its selected financial transaction, and information is selected may be used also To realize the leading automated transaction of intelligent contract as the triggering information for triggering intelligent contract starting.

Step S106:Corresponding ownership of assets change is completed according to selection information, and result will be changed in block chain It is broadcasted.It in a specific embodiment, can be in each node (including the first user node 1, second in block chain 5 User node 2, third party's intermediary node 3 and third party transaction node 4) on arrange intelligent contract in advance, and in selection information Triggering under start corresponding intelligent contract automatically and complete automated transaction.Specifically, intelligent contract can be by block chain Third party transaction node 4 completes corresponding ownership of assets change, including digital cash payment and corresponding ownership of assets become More.In order to improve the working efficiency of assets information processing, multiple intelligence contracts can be executed concurrently.In practical applications, intelligence Contract can be executed by following procedure:

Intelligence and about 1 (i.e. chain code CC1) call the corresponding requesting node of CC1 (issuing the user node 1 of selection information), Requesting node receives the calling of CC1, carries out state transition processing, and the execution state of this request and final result are recorded Come, while generating corresponding state version.Intelligent and about 1 transaction proposal includes the state Key value for needing to modify in this transaction, The state Key value and current version value Value of new state relied on variation.Intelligent and about 1 transaction proposal is addressed to Node (second user node 2, third party's intermediary node 3 and third party transaction node are verified in specified endorsement when CC1 is disposed 4), endorsement verifying node also receives the calling of CC1, and verifies to the transaction proposal of intelligence and about 1, checks transaction proposal Whether status modifier and State-dependence and implementing result actual on this node are consistent, if unanimously will plus the signature of this node As a result requesting node is returned to.Requesting node collects the feedback of endorsement verifying node, meets the endorsement verifying of intelligence and about 1 setting When tactful, then verified by the endorsement of the transaction proposal.Endorsement authentication policy can be set to the corresponding power of each verifying node It is heavy, if the endorsement verifying total weight of node for participating in verifying when verifying is more than 50% and passes through verifying, pass through the transaction proposal Endorsement verifying.Similarly, intelligence and about 2 (i.e. chain code CC2) also carry out endorsement verifying according to the method described above.Due to intelligence and about 1 It is different with endorsement verifying node with requesting node intelligent and that about 2 are related to, so that intelligence and about 1 and intelligence and about 2 endorsement Verifying can be carried out concurrently and is independent of each other, and improve the efficiency of endorsement verifying during ownership of assets change.

The transaction proposal being verified is sent to common recognition node cluster (such as judicial expertise section of the whole network on block chain by requesting node Point, supervisory node and deposit card node) broadcasted, each broadcast through Hash processing forms unique message Hash, to guarantee to hand over The broadcast message easily suggested does not repeat.The whole network common recognition node verifies the total order message of whole transaction proposals, at this moment entirely Net common recognition node only makees cryptographic verifications, endorsement policy validation and release status verifying.If requesting node is logical by endorsement verifying The transaction proposal relied on same state crossed submits to the whole network common recognition node cluster twice, and the whole network common recognition node cluster can distribute two A sequence number is to the two transaction proposals and is sent to each the whole network common recognition node.The whole network common recognition node cluster carries out local state version When relying on verifying, the transaction proposal first received is finished due to having verified that, local state has increased a version newly, so that after The identical transaction proposal come is determined as illegal transaction and is dropped due to having relied on an out-of-date version.When intelligent contract passes through Endorsement is verified and after the whole network common recognition node cluster broadcast, and transaction proposal will be performed, i.e. the change of execution ownership of assets.

Assets information processing method provided in an embodiment of the present invention based on block chain is joined each user by block chain System gets up, and in block chain carry out information exchange and ownership of assets change, by means of block chain technology can not tamper And traceability, the legitimate rights and interests of both parties can be guaranteed during ownership of assets change, avoid existing mutual Financial platform of networking cumbersome problem of formality when handling assets circulation.In addition, passing through each user node on block chain It arranges intelligent contract, can quickly complete ownership of assets change, can trigger intelligence once user generates selection information and close It is about automatically performed corresponding ownership of assets change, it is inconvenient to solve the circulation of assets existing for existing internet financial platform The problem of, improve asset stream transfer efficient.Assets information processing method provided in an embodiment of the present invention based on block chain, by right The second user progress credit information sequence that assets transfer the possession of response message is fed back, is realized to each of participation internet finance activities The credit management of a user, and relevant credit information can carry out the shared and common maintenance of block chain, and it is mutual to be conducive to purification Networking financial environment, safeguards the legitimate rights and interests of user.

In the above-mentioned assets information processing method based on block chain, when the assets that the first user issues in step S101 turn When request being allowed to be the request of finance product transfer, the request of finance product transfer may include the identification information of the first user, managing money matters produces Product purchase contract and transfer condition.Wherein, finance product purchase contract can be stored in block chain 5 and be carried out by depositing card node The corresponding cryptographic Hash of digital contract or digital contract of supervision.Client buys reason in existing internet financial platform When property product, it is generally unable to get one's own contract text, client only completes electronics in internet financial platform The signature of agreement, client does not hold the agreement after signature or contract, agreement or contract are stored in internet financial platform, Once internet financial platform extreme cases, the client such as run away or collapse occur does not have the authority of any right-safeguarding.Similarly, Ke Hutong When crossing existing internet financial platform and being financed or made loans, electronic protocol is also only signed, and after not holding and can be used for The authority of continuous right-safeguarding.Assets information processing method provided in an embodiment of the present invention based on block chain, by the way that internet is financial The digitlization agreement or contract that both parties sign jointly enter chain storage, are conducive to the trading activity for restricting both sides, and protect double The legitimate rights and interests of side.

When the assets transfer request that the first user sends is requested to borrow money, request of borrowing money may include borrowing balance, borrow Money period and borrowing rate.There is the first user of financing needs can be from the above-mentioned assets information processing method based on block chain Affiliate is selected in the ranking results that third party's intermediary node 3 provides in step S104, and completes corresponding ownership of assets Change;Alternatively, third party's intermediary node 3 is requested according to multiple loaning bills, finance product is issued in alliance's chain, it is more to meet simultaneously The financing needs of a first user.In a specific embodiment, when the assets transfer request that the first user sends is asked to borrow money When asking, as shown in figure 4, can realize that step S102 receives an at least second user and turns according to assets by following sub-step The assets for allowing request to feed back transfer the possession of the process of response message:

Step S1021:It borrows money according at least one and requests to generate set loaning bill request.The volume of request specifically, set is borrowed money Degree is the sum of each borrowing balance in requesting of borrowing money, and gathers each loaning bill period requested and loaning bill of borrowing money in request of borrowing money Interest rate is identical.

Step S1022:Finance product is issued in block chain according to the amount of set loaning bill request.By in block chain 5 Middle distribution finance product can meet the debt-credit needs of numerous financiers as early as possible, improve utilization of the internet finance to fund Efficiency.

Step S1023:It receives an at least second user and transfers the possession of response message according to the assets that finance product is fed back.By Public publication finance product in block chain 5, can raise substantial contribution, and make full use of personal user's in a relatively short period of time Small amount idle money.Optionally, in order to further increase the efficiency that financing is handled, as shown in figure 4, can be by step S104 and step Rapid S105 replaces with following two step:

Step S104 ':An at least second user is ranked up according to credit information, generates ranking results.Specifically, can To carry out descending linear ordering to second user according to the credit grade in credit information.

Step S105 ':Second user is selected from ranking results according to preset condition, generates selection information.Specifically, pre- If condition can be the threshold value of a percentage, such as 70%, i.e., 70% the second use in the top in selection ranking results Family constitutes selection information.Alternatively, preset condition may be greater than a certain credit grade, i.e., it is greater than a certain letter in selected and sorted result Selection information is constituted with the second user of grade.

Assets information processing method provided in an embodiment of the present invention based on block chain asks the loaning bill that the first user sends It asks and is requested as assets transfer, using financier as the promoter of internet financial business, and then realize the debt-credit of digital asset Business solves the problems, such as that the circulation of assets existing for existing internet financial platform is inconvenient, improves asset stream transfer efficient.This Outside, the assets information processing method provided in an embodiment of the present invention based on block chain, passes through the loaning bill for initiating multiple financiers Request merges, and the finance product distribution realized in block amount is improved mutually with meeting the debt-credit needs of numerous financiers Utilization efficiency of the networking finance to fund.

In the above-mentioned assets information processing method based on block chain, when the assets that the first user issues in step S101 turn When request being allowed to invite for fund supply, it may include the supply amount of money, make loans period and aspired profit that fund supply, which is invited,.It is optional , when the request of assets transfer is invited for fund supply, as shown in figure 5, can be at the above-mentioned assets information based on block chain Step S102 in reason method receives an at least second user and transfers the possession of response letter according to the assets of assets transfer request feedback Breath is transferred the possession of response message according to assets with step S103 and is obtained between the credit information of corresponding second user, and a step is added S107:

Step S107:Response message is transferred the possession of according to assets to screen corresponding second user.In a specific embodiment party In formula, as shown in fig. 6, can realize that step S107 transfers the possession of response message to corresponding according to assets by following sub-step The process that second user is screened:

Step S1071:It extracts the borrowing balance in the assets transfer response message of second user feedback, loaning bill period and borrows Money interest rate information.When the request of assets transfer is invited for fund supply, handled to smoothly complete corresponding assets information, second It may include borrowing balance, the information such as period and borrowing rate of borrowing money that the assets of user feedback, which transfer the possession of response message,.Wherein, it borrows money Period and borrowing rate invited with fund supply in the lending period and aspired profit it is corresponding.

Step S1072:Judge whether the loaning bill period is consistent with the period of making loans.Specifically, when period and the lending period of borrowing money When not being consistent, corresponding second user is deleted;When being consistent with the period of making loans in the period of borrowing money, step S1073 is executed.

Step S1073:Judge whether borrowing rate is consistent with aspired profit.Specifically, working as borrowing rate and aspired profit When not being consistent, corresponding second user is deleted;When borrowing rate is consistent with aspired profit, step S1074 is executed.

Step S1074:Judge whether borrowing balance is greater than the supply amount of money.When borrowing balance is greater than the supply amount of money, delete Corresponding second user;When borrowing balance is no more than the supply amount of money, step S1075 is executed.

Step S1075:Retain corresponding second user.It is single since the credit requirement of fund both sides of supply and demand is not quite identical The quantity of fund demand and the supply amount of single fund not necessarily exactly match, and third party's intermediary node 3 can be to supply The amount of money is split.For example, the borrowing balance of a certain second user is 20,000,000 yuan, borrowing rate 8%, the period of borrowing money is 12 A month;It is 80,000,000, aspired profit 7%-8% that the fund supply that first user issues, which invites the middle supply amount of money, is made loans the period It is 12 months;The S1071 to step S1075 through the above steps of third party's intermediary node 3 can first match 20,000,000 assets to should Second user, and updating the supply amount of money is 60,000,000, and then the remainder supply amount of money is matched to other by repeating step S107 Meet the second user of aspired profit and period of making loans.Optionally, as described above, in order to further increase financing processing effect Step S104 and step S105 can be replaced with step S104 ' and step S105 ' by rate.

Assets information processing method provided in an embodiment of the present invention based on block chain, fund supply is invited as assets Request is transferred the possession of, using fund side as the promoter of internet financial business, and then the lending and borrowing business of digital asset is realized, solves The inconvenient problem of the circulation of assets existing for existing internet financial platform, improves asset stream transfer efficient.In addition, for feedback The step of second user that assets transfer the possession of response message is also additionally arranged screening needs unmatched user to filter out business, improves The treatment effeciency of credit operation in internet finance.

In the assets information processing method provided in an embodiment of the present invention based on block chain, due to using block chain 5 will Each related side of the upstream and downstream of fund side, borrower and use of funds is connected in alliance's chain, it is ensured that each side's identity Really, it avoids third party's intermediary node from manufacturing false borrower's information, illegally obtains social funds, while recording borrower truly Use of funds, for supervision foundation is provided.The payment voucher of third party transaction node will with use of funds agreement, loan contract with And use of funds correlation authority is used as a whole set of file together, digitizes in third party's intermediary node, and suitable according to the time Sequence is stored in block chain, the original authority as audit supervision.

The embodiment of the invention also provides a kind of servers, as shown in fig. 7, the server may include:Receiving unit 701, sequencing unit 702 and changing unit 703.

Wherein, receiving unit 701 is used to receive the assets transfer request of the first user transmission, and the request of assets transfer is existed It is broadcasted in block chain;And it receives an at least second user and transfers the possession of response letter according to the assets of assets transfer request feedback Breath, and the credit information that response message obtains corresponding second user is transferred the possession of according to assets;Detailed content refers to step S101 extremely Described in step S103.

Sequencing unit 702 feeds back ranking results for being ranked up according to credit information to an at least second user To first user;Detailed content is with reference to described in step S101 to step S104.

Receiving unit 701 is also used to receive the selection information that the first user generates according to ranking results;Detailed content reference Described in step S105.

Changing unit 703 is used to complete corresponding ownership of assets according to selection information to change, and by change result in area It is broadcasted in block chain, detailed content is with reference to described in step S106.

The embodiment of the invention also provides another servers, as shown in figure 8, the server may include processor 801 With memory 802, wherein processor 801 can be connected with memory 802 by bus or other modes, to pass through in Fig. 8 For bus connection.

Processor 801 can be central processing unit (Central Processing Unit, CPU).Processor 801 may be used also Think other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array (Field- Programmable GateArray, FPGA) either other programmable logic device, discrete gate or transistor logic, The combination of the chips such as discrete hardware components or above-mentioned all kinds of chips.

Memory 802 is used as a kind of non-transient computer readable storage medium, can be used for storing non-transient software program, non- Transient computer executable program and module, such as the assets information processing method pair based on block chain in the embodiment of the present invention Program instruction/the module (for example, receiving unit shown in Fig. 7 701, sequencing unit 702 and changing unit 703) answered.Processor 801 non-transient software program, instruction and the modules being stored in memory 802 by operation, thereby executing each of processor Kind functional application and data processing, i.e. the assets information processing method based on block chain in realization above method embodiment.

Memory 802 may include storing program area and storage data area, wherein storing program area can store operation system Application program required for system, at least one function;It storage data area can the data etc. that are created of storage processor 801.In addition, Memory 802 may include high-speed random access memory, can also include non-transient memory, and a for example, at least disk is deposited Memory device, flush memory device or other non-transient solid-state memories.In some embodiments, it includes opposite that memory 802 is optional In the remotely located memory of processor 801, these remote memories can pass through network connection to processor 801.Above-mentioned net The example of network includes but is not limited to internet, intranet, local area network, mobile radio communication and combinations thereof.

One or more of modules are stored in the memory 802, when being executed by the processor 801, are held Row such as the assets information processing method based on block chain in Fig. 2-embodiment illustrated in fig. 6.

Above-mentioned server detail can correspond to refering to Fig. 2 into embodiment shown in fig. 6 corresponding associated description and Effect is understood that details are not described herein again.

It is that can lead to it will be understood by those skilled in the art that realizing all or part of the process in above-described embodiment method Computer program is crossed to instruct relevant hardware and complete, the program can be stored in a computer-readable storage medium In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can for magnetic disk, CD, read-only memory (Read-OnlyMemory, ROM), random access memory (RandomAccess Memory, RAM), flash memory (Flash Memory), hard disk (Hard Disk Drive, abbreviation:) or solid state hard disk (Solid- HDD State Drive, SSD) etc.;The storage medium can also include the combination of the memory of mentioned kind.

Although being described in conjunction with the accompanying the embodiment of the present invention, those skilled in the art can not depart from the present invention Spirit and scope in the case where various modifications and variations can be made, such modifications and variations are each fallen within by appended claims institute Within the scope of restriction.

Claims (10)

1. a kind of assets information processing method based on block chain, which is characterized in that including:
The assets transfer request of the first user transmission is received, and assets transfer request is broadcasted in block chain;
It receives an at least second user and transfers the possession of response message according to the assets of assets transfer request feedback;
The credit information that response message obtains corresponding second user is transferred the possession of according to the assets;
An at least second user is ranked up according to the credit information, and ranking results are fed back to described first and are used Family;
Receive the selection information that first user generates according to the ranking results;
Corresponding ownership of assets change is completed according to the selection information, and change result is broadcasted in block chain.
2. the assets information processing method according to claim 1 based on block chain, which is characterized in that the assets transfer Request is that finance product transfer is requested, and the finance product transfer request includes at least the identification information of first user, reason One of property product purchase contract and transfer condition information.
3. the assets information processing method according to any one of claim 1 to 2 based on block chain, which is characterized in that The step of credit information for obtaining corresponding second user, including:
Obtain the behavior of credit information of the second user;The behavior of credit information includes at least the identification of the second user One of information, credit information, refund information and promise breaking information;
Corresponding credit information is generated according to the behavior of credit information;
The credit information is stored and broadcasted in block chain.
4. the assets information processing method according to claim 1 based on block chain, which is characterized in that first user The assets transfer request of transmission is request of borrowing money, and the loaning bill request includes borrowing balance, borrow money period and borrowing rate.
5. the assets information processing method according to claim 4 based on block chain, which is characterized in that the reception is at least The step of one second user transfers the possession of response message according to the assets of assets transfer request feedback, including:
Set loaning bill request is generated according at least one loaning bill request;The amount of the set loaning bill request is each loaning bill The sum of borrowing balance in request, and the set is borrowed money the loaning bill period and borrow money sharp that each loaning bill in requesting is requested Rate is identical;
Finance product is issued in block chain according to the amount of the set loaning bill request;
It receives at least one second user and transfers the possession of response message according to the assets that the finance product is fed back.
6. the assets information processing method according to claim 1 based on block chain, which is characterized in that first user The assets transfer request of transmission is invited for fund supply, and the fund supply is invited including the supply amount of money, make loans period and expectation Interest rate;
When the assets transfer request that first user sends is invited for fund supply, in a reception at least second user It is after the step of transferring the possession of response message according to the assets of assets transfer request feedback and described according to the assets transfer Before response message obtains the step of credit information of corresponding second user, the assets information processing side based on block chain Method further includes:
Response message is transferred the possession of according to the assets to screen the corresponding second user.
7. the assets information processing method according to claim 6 based on block chain, which is characterized in that described according to Assets transfer the possession of the step of response message screens the corresponding second user, including:
Extract the borrowing balance in the assets transfer response message of the second user feedback, borrow money period and borrowing rate letter Breath;
It is consistent when the loaning bill period with the lending period, and when the borrowing rate is consistent with the aspired profit, judgement Whether the borrowing balance is greater than the supply amount of money;
When the borrowing balance is not more than the supply amount of money, retain corresponding second user;
When the borrowing balance is greater than the supply amount of money, corresponding second user is deleted.
8. a kind of server, which is characterized in that including:
Receiving unit for receiving the assets transfer request of the first user transmission, and the assets transfer is requested in block chain Inside broadcasted;And it receives an at least second user and transfers the possession of response letter according to the assets of assets transfer request feedback Breath, and the credit information that response message obtains corresponding second user is transferred the possession of according to the assets;
Sequencing unit, for being ranked up according to the credit information to an at least second user, and ranking results are anti- It is fed to first user;
The receiving unit is also used to receive the selection information that first user generates according to the ranking results;
Changing unit is changed for completing corresponding ownership of assets according to the selection information, and will change result in block It is broadcasted in chain.
9. a kind of server, which is characterized in that including:
Memory and processor communicate with each other connection, are stored in the memory between the memory and the processor Computer instruction, the processor is by executing the computer instruction, thereby executing such as any one of claims 1 to 7 institute The assets information processing method based on block chain stated.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has computer to refer to Enable, the computer instruction be used to making the computer execute as described in any one of claims 1 to 7 based on block chain Assets information processing method.
CN201810585194.4A 2018-06-08 2018-06-08 A kind of assets information processing method and server based on block chain CN108830686A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109584079A (en) * 2018-11-29 2019-04-05 阿里巴巴集团控股有限公司 The measures and procedures for the examination and approval, device and the equipment that resource processing system, resource item are declared
WO2019072286A3 (en) * 2018-11-30 2019-08-22 Alibaba Group Holding Limited Platform for atomic transfer of smart assets within blockchain networks

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109584079A (en) * 2018-11-29 2019-04-05 阿里巴巴集团控股有限公司 The measures and procedures for the examination and approval, device and the equipment that resource processing system, resource item are declared
WO2019072286A3 (en) * 2018-11-30 2019-08-22 Alibaba Group Holding Limited Platform for atomic transfer of smart assets within blockchain networks

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