CN108876489A - Intelligent finance collection method, system, computer equipment and storage medium - Google Patents
Intelligent finance collection method, system, computer equipment and storage medium Download PDFInfo
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- CN108876489A CN108876489A CN201811002144.5A CN201811002144A CN108876489A CN 108876489 A CN108876489 A CN 108876489A CN 201811002144 A CN201811002144 A CN 201811002144A CN 108876489 A CN108876489 A CN 108876489A
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Abstract
The invention discloses intelligent finance collection method, system, computer equipment and storage medium, wherein method includes：Financial collection system obtains the collection task of financial institution employee setting and the parameter of collection task, collection task and parameter is packaged as assets packet, and complete assets packet in the data uplink operation of block platform chain；Data based on cochain show the assets packet for choosing, and determine the selected assets packet of third party's collection mechanism, conclude the transaction, and complete the data uplink operation traded in block platform chain.Using scheme of the present invention, it is able to ascend treatment effeciency etc..
Description
【Technical field】
The present invention relates to Computer Applied Technology, in particular to intelligent finance collection method, system, computer equipment and deposit
Storage media.
【Background technique】
Modern financial system is a credit system, and most of financial institutions more or less can all be related to loan transaction,
Home mortgage, cash loan, education loan, hypothecated loan etc. as the well-known, the presence of loan system centainly has bad credit appearance,
Financial collection system is also just come into being.
Existing finance collection system, often each branch or branch do things in his own way, and respectively initiate bidding and draw
Enter third party's collection mechanism and carry out collection etc., process is cumbersome, inefficiency.
【Summary of the invention】
In view of this, the present invention provides intelligent finance collection method, system, computer equipment and storage mediums.
Specific technical solution is as follows：
A kind of intelligent finance collection system, including：Financial collection system and block platform chain；
The finance collection system, for obtaining the collection task of financial institution employee setting and the ginseng of the collection task
Number, is packaged as assets packet for the collection task and the parameter, and complete the assets packet in the number of the block platform chain
According to uplink operation；Data based on cochain show the assets packet for choosing, and determine the selected assets of third party's collection mechanism
Packet, concludes the transaction, and completes the transaction in the data uplink operation of the block platform chain.
According to one preferred embodiment of the present invention, include in the financial collection system：First management console, the second management
Console and back-end platform；
The first management console, for obtaining the collection task and the collection task of financial institution employee setting
The collection task and the parameter are packaged as assets packet by parameter, and complete the assets packet in the block platform chain
Data uplink operation；
The second management console shows the assets packet for choosing, determines third party for the data based on cochain
The selected assets packet of collection mechanism, concludes the transaction, and completes the transaction in the data uplink operation of the block platform chain；
The first management console and the second management console pass through the back-end platform and the block chain
Platform interacts.
According to one preferred embodiment of the present invention, the block platform chain externally provides following application programming interface API：
API is brought in asset management API and transaction together；
The finance collection system is based on the asset management API and interacts with the block platform chain, completes assets
Relevant operation is managed, the asset management relevant operation includes：The assets packet is grasped in the data cochain of the block platform chain
Make, the acquisition of the data of cochain operation；
The finance collection system is brought API together based on the transaction and is interacted with the block platform chain, and transaction is completed
Bring relevant operation together, the transaction brings relevant operation together and includes：To the transaction reached the block platform chain data cochain
Operation.
According to one preferred embodiment of the present invention, the parameter includes：Agreement terms；
Include in the agreement terms：The terms of settlement of price and the price.
According to one preferred embodiment of the present invention, the block platform chain externally further provides for following API：Intelligent contract
API；
After determining that third party's collection mechanism completes selected resource packet corresponding collection task, the block platform chain base
In the intelligence and about API, according to the regulation in the agreement terms, complete to settle accounts the commission of third party's collection mechanism.
According to one preferred embodiment of the present invention, the block platform chain is further used for, and obtains and is directed to the collection task
Pricing information, and the pricing information is supplied to the financial collection system by the asset management API, by the gold
Melt collection system demonstration to refer to the financial institution employee.
According to one preferred embodiment of the present invention, the block platform chain obtains the pricing information that financial brain provides；
The pricing information is that the financial brain is got from user's representation data platform as the collection task
After user's representation data of the user of collection object, the collection task that is evaluated according to user's representation data is determined
Valence.
A kind of intelligent finance collection method, including：
The finance collection system obtains the collection task of financial institution employee setting and the parameter of the collection task, will
The collection task and the parameter are packaged as assets packet, and complete the assets packet in the data cochain of the block platform chain
Operation；
The data of the finance collection system based on cochain, show the assets packet for choosing, determine third party's collection machine
The selected assets packet of structure, concludes the transaction, and completes the transaction in the data uplink operation of the block platform chain.
According to one preferred embodiment of the present invention, the money that the financial collection system is externally provided based on the block platform chain
It produces management application programming interface API to interact with the block platform chain, completes asset management relevant operation, the money
Producing management relevant operation includes：The assets packet is in the data uplink operation of the block platform chain, the acquisition of the data of cochain
Operation；
The finance collection system brings API together based on the transaction that the block platform chain externally provides and the block chain is flat
Platform interacts, and completes transaction and brings relevant operation together, the transaction brings relevant operation together and includes：To the transaction reached in the area
The data uplink operation of block platform chain.
According to one preferred embodiment of the present invention, the parameter includes：Agreement terms；
Include in the agreement terms：The terms of settlement of price and the price.
According to one preferred embodiment of the present invention, the API that the block platform chain externally provides further comprises：Intelligent contract
API, so as to after determining that third party's collection mechanism completes selected resource packet corresponding collection task, by the block platform chain
The commission knot for third party's collection mechanism is completed according to the regulation in the agreement terms based on the intelligence and about API
It calculates.
According to one preferred embodiment of the present invention, this method further comprises：The finance collection system passes through the assets
Administration API obtains the pricing information for the collection task from the block platform chain, and the pricing information is shown
It is referred to the financial institution employee.
According to one preferred embodiment of the present invention, the pricing information is that the block platform chain is obtained from financial brain；
The pricing information is that the financial brain is got from user's representation data platform as the collection task
After user's representation data of the user of collection object, the collection task that is evaluated according to user's representation data is determined
Valence.
A kind of computer equipment, including memory, processor and be stored on the memory and can be in the processor
The computer program of upper operation, the processor realize method as described above when executing described program.
A kind of computer readable storage medium is stored thereon with computer program, real when described program is executed by processor
Now method as described above.
It can be seen that based on above-mentioned introduction using scheme of the present invention, financial institution employee can be based on financial collection system
It unites to issue the corresponding assets packet of collection task, it is corresponding to choose that third party's collection mechanism can be directly based upon financial collection platform
Assets packet, thus conclude the transaction, and then complete collection etc., compared to existing way, mode implementation process of the present invention is simple
It is convenient, to improve treatment effeciency, moreover, realizing the above process based on block platform chain, pass through block chain skill upgrading
Confidence level and transparency information etc., it is unified to manage in addition, it can be achieved that each branch of cross-region or branch are concentrated
Reason operation, to improve system operation efficiency etc..
【Detailed description of the invention】
Fig. 1 is the composed structure schematic diagram of intelligent finance collection system embodiment of the present invention.
Fig. 2 is the flow chart of intelligent finance collection embodiment of the method for the present invention.
Fig. 3 shows the block diagram for being suitable for the exemplary computer system/server 12 for being used to realize embodiment of the present invention.
【Specific embodiment】
A kind of intelligent finance collection scheme is proposed in the present invention, is realized based on block chain technology.
Block chain is the novel of the computer technologies such as Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm
Application model.For narrow sense, block chain is that data block is combined by one kind in such a way that sequence is connected sequentially in time
A kind of linked data structure, and the distributed account book that can not be distorted He can not forge guaranteed in a manner of cryptography.Broadly,
Block chain technology is to be verified using block linked data structure and storing data, know together algorithm using distributed node generating and
More new data is guaranteed the safety of data transmission and access in the way of cryptography, formed using by automatized script code
Intelligent contract program the completely new distributed basis framework and calculation of one kind with operation data.
In order to be clearer and more clear technical solution of the present invention, hereinafter, referring to the drawings and the embodiments, to institute of the present invention
The scheme of stating is further described.
Obviously, described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on the present invention
In embodiment, those skilled in the art's all other embodiment obtained without creative efforts, all
Belong to the scope of protection of the invention.
Fig. 1 is the composed structure schematic diagram of intelligent finance collection system embodiment of the present invention.As shown in Figure 1, including：
Financial collection system 101 and block platform chain 102.
Financial collection system 101 will for obtaining the collection task of financial institution employee setting and the parameter of collection task
Collection task and parameter are packaged as assets packet, and complete assets packet in the data uplink operation of block platform chain 102；Based on cochain
Data, show the assets packet for determining that third party's collection mechanism is selected for the assets packet chosen, conclude the transaction, and complete to hand over
Easily in the data uplink operation of block platform chain 102.
Block platform chain 102 is the basis that system described in the present embodiment is realized.Have by mainstream block chain framework technology into
The ability of row privatization deployment, possesses the block catenary system of software one button installation formula, based on container technique Kubernetes and
The building such as Docker, supports the block chain frame of flexible choice, such as ether mill, Fabric, Sawtooth, and support pluggable
The advanced functions such as block chain parameter (pluggable common recognition, selectable organizational structure and system of account etc.).
Financial collection system 101 is interacted with block platform chain 102.The user interface and industry of system described in the present embodiment
Logic of being engaged in mainly is realized in financial collection system 101.Financial collection system 101 possesses independent two sets of console logics, wherein
A set of console logic corresponds to financial institution employee, and other set console logic corresponds to third party's collection mechanism.
Correspondingly, as shown in Figure 1, may particularly include in financial collection system 101：First management console 1011, second
Manage console 1012 and back-end platform 1013.
First management console 1011 serves primarily in financial institution employee, for obtaining urging for financial institution employee setting
Collection task and parameter are packaged as assets packet by the parameter of receipts task and collection task, and complete assets packet in block platform chain
102 data uplink operation etc..
Second management console 1012 serves primarily in third party's collection mechanism, and for the data based on cochain, displaying can
The assets packet for for choosing determines the selected assets packet of third party's collection mechanism, concludes the transaction, and completes transaction in block platform chain
102 data uplink operation etc..
First management console 1011 and the second management console 1012 pass through back-end platform 1013 and block platform chain
102 interact.
The interface that financial institution employee can be provided based on the first management console 1011, sets collection task, and set
The parameter of collection task such as may include：Agreement terms may include in agreement terms：The terms of settlement of price and price.Separately
It outside, according to actual needs, can also further comprise some other information, such as constraint condition, returned money clause in the parameter of setting.
Collection task refers to need for which user's collection how many debt etc..It may include a price in agreement terms
And the terms of settlement of price, it also may include multiple prices and corresponding terms of settlement.For example, urging as collection task
The user's debt 1,000,000 for receiving object could dictate that in contract terms, if collection success in third party's collection mechanism one month, is propped up
It pays 100,000 and is used as commission, if collection success in third party's collection mechanism two months, pay 70,000 yuan as commission etc..
Constraint condition can refer to Permission Constraints information, as allowed third party's collection mechanism to see the assets packet being packaged into
Which information allows the enterprise of which type to choose the assets packet etc..
After financial institution employee sets the parameter of collection task and collection task, one can be executed by the click of push button
Key cochain.Correspondingly, collection task and parameter can be packaged as assets packet by the first management console 1011, and pass through back-end platform
1013 complete assets packet in the data uplink operation of block platform chain 102.How to complete data uplink operation is the prior art, such as
It may include being digitally signed, stamping timestamp, stored etc. together with data by predetermined format for data encryption.
Second management console 1012 can obtain the data of cochain by back-end platform 1013, based on the data exhibition got
Show the assets packet for choosing, and can determine the selected assets packet of third party's collection mechanism, concludes the transaction, and then achievable transaction
In the data uplink operation of block platform chain 102.
Third party's collection mechanism can be one-touch on the second management console 1012 to choose assets according to own situation
Packet.After concluding the transaction, that is, after being determined which third party's collection mechanism has chosen which assets packet, the second management console
1012 can complete transaction in the data uplink operation of block platform chain 102, such as by third party's collection machine by back-end platform 1013
In the storage to block chain of the corresponding relationship of structure and the assets packet chosen etc..
In addition, as shown in Figure 1, block platform chain 102 can also externally provide following application programming interface (API,
Application Programming Interface)：API 1022 is brought in asset management API 1021 and transaction together.
Financial collection system 101 can be interacted based on asset management API 1021 with block platform chain 102, and assets are completed
Relevant operation is managed, asset management relevant operation may include：Data uplink operation and cochain of the assets packet in block platform chain
Data acquisition operation etc..
Financial collection system 101 can bring API 1022 together based on transaction and interact with block platform chain 102, complete transaction
Bring relevant operation together, transaction brings relevant operation together and may include：To the transaction reached block platform chain 102 data uplink operation
Deng.
Block platform chain 102 may further provide following API：Intelligence and about API 1023.When determining third party's collection
After mechanism completes the selected corresponding collection task of resource packet, block platform chain 102 can be based on intelligence and about API 1023, according to
Regulation in agreement terms is completed to settle accounts the commission of third party's collection mechanism.
That is, one layer of API access layer can be packed based on block platform chain, the core function of block platform chain is open
At Open API, used for the external world.The API that block platform chain 102 provides in the present embodiment mainly includes above-mentioned asset management
API 1021, transaction bring API 1022 and intelligence and about API 1023 together.
Asset management API 1021 supports that each collection task is one by different collection task progress capitalizations
Independent logical card (token), and this logical card possesses unique property parameters, support the assets packet of differentiation fix a price and on
Chain etc..Intelligence and about API 1023 provide the automatic execution mechanism of agreement terms, support the commission clearing of automation.Transaction pinch
The transaction between third party's collection mechanism and financial institution can be brought together by closing API 1022, and the cochain etc. that will trade, while also be supported
It secondary packing between third party's collection mechanism and trades again.
Intelligent contract is a kind of computer protocol for being intended to propagate, verify or execute in a manner of information-based contract, is allowed
Do not have to carry out credible transaction in third-party situation, these transaction are traceable and irreversible.Intelligent contract also is understood as one
Section writes on the code on block chain, once the clause in some event triggering contract, code is i.e. automatic to be executed.Specific to this implementation
In example, after determining that third party's collection mechanism completes selected resource packet corresponding collection task, block platform chain 102 can be based on
Intelligence and about API 1023 complete to settle accounts the commission of third party's collection mechanism according to the regulation in agreement terms.It is existing
Financial collection system generally requires to check by various artificial reinspections, various departments, could complete commission clearing, efficiency
Lowly, and in the present embodiment, solve the problems, such as that settlement efficiency is low by intelligent contract technology.
In addition, block platform chain 102 can also obtain the pricing information for collection task, and pass through money in the present embodiment
It produces Administration API 1021 and is supplied to financial collection system 101, show financial institution employee to join by financial collection system 101
It examines.
Specifically, the pricing information for the collection task that block platform chain 102 can will acquire passes through asset management API
1021 and back-end platform 1013 be supplied to the first management console 1011, by first management console 1011 show financial machine
Structure employee, so that financial institution employee refers to when setting the price of collection task.
Block platform chain 102 can obtain the pricing information from financial brain.Financial brain can be flat from user's representation data
Platform obtains user's representation data of the user of the collection object as collection task, and then according to the user's representation data got
The price of the collection task evaluated, the price can be a range, such as 70,000~100,000.
Financial brain is based on artificial intelligence (AI, Artificial Intelligence), big data, the finance area Yun Ji
The Floor layer Technologies such as block chain provide a whole set of complete ability system such as intelligent marketing, intelligent air control, intelligent customer service, intelligence throwing Gu.
In the present embodiment, block platform chain 102 is supported to dock financial brain, so that it is flat to have docked user's representation data indirectly
Platform has got through the credible interaction channel of block platform chain 102 and financial institution's user data, the calling and use note of all data
Record can look on chain, ensure that the transparent and safe of data call, while by the AI ability of financial brain, for user's history
Refund data, reference information, behavioural information etc. analyzed, to realize the difference of the collection task for different user
Change price, the incentive mechanism and commission of differentiation is provided, by the maximum revenue of platform.
It can be seen that based on above-mentioned introduction using scheme of the present invention, financial institution employee can be based on financial collection system
It unites to issue the corresponding assets packet of collection task, it is corresponding to choose that third party's collection mechanism can be directly based upon financial collection platform
Assets packet, thus conclude the transaction, and then complete collection etc., compared to existing way, mode implementation process of the present invention is simple
It is convenient, to improve treatment effeciency.
Moreover, the above process is realized in scheme of the present invention based on block platform chain, all work flow information
Timestamp is carried to save on chain, transparency and confidence level greatly promote, all assets packet streams turn, settlement information etc. can be
It is consulted etc. on first management console 1011.
In addition, carrying out commission clearing using intelligent contract technology in scheme of the present invention, settlement efficiency is improved, and can
Accurate data analysis is provided by AI technology, intelligent pricing increases income.
Further more, using scheme of the present invention, it can be achieved that each branch of cross-region or branch are concentrated, system
One managed operation, to improve system operation efficiency etc..
The introduction about system embodiment above, below by way of embodiment of the method, to scheme of the present invention carry out into
One step explanation.
Fig. 2 is the flow chart of intelligent finance collection embodiment of the method for the present invention.As shown in Fig. 2, including in detail below
Implementation.
In 201, financial collection system obtains the collection task of financial institution employee setting and the parameter of collection task, will
Collection task and parameter are packaged as assets packet, and complete assets packet in the data uplink operation of block platform chain.
In 202, financial data of the collection system based on cochain show the assets packet for choosing, determine that third party urges
The selected assets packet of mechanism is received, is concluded the transaction, and complete the data uplink operation traded in block platform chain.
Financial collection system can be handed over based on the asset management API that block platform chain externally provides with block platform chain
Mutually, asset management relevant operation is completed, asset management relevant operation may include：Assets packet is grasped in the data cochain of block platform chain
Acquisition operation of the data of work, cochain etc..
The transaction that financial collection system can externally be provided based on block platform chain is brought API together and is handed over block platform chain
Mutually, it completes transaction and brings relevant operation together, transaction brings relevant operation together and may include：To the transaction reached block platform chain data
Uplink operation etc..
Wherein, the parameter of collection task may include：Agreement terms.May include in agreement terms：The knot of price and price
Calculation condition.In addition, can also further comprise some other information in the parameter, such as constraint condition, returned money according to actual needs
Clause etc..
The API that block platform chain externally provides can also further comprise：Intelligence and about API, to be urged as determining third party
After receiving the selected corresponding collection task of resource packet of mechanism completion, intelligence and about API are based on by block platform chain, according to contract item
Regulation in money is completed to settle accounts the commission of third party's collection mechanism.
In addition, financial collection system can also be obtained by asset management API is directed to collection task from block platform chain
Pricing information, the pricing information that will acquire shows financial institution employee to refer to.
The pricing information is that block platform chain is obtained from financial brain.The pricing information is financial brain from user
After representation data platform gets user's representation data of the user of the collection object as collection task, according to user's portrait number
According to the price of the collection task evaluated.
The specific workflow of embodiment of the method shown in Fig. 2 please refers to the related description in aforementioned system embodiment, no longer
It repeats.
Fig. 3 shows the block diagram for being suitable for the exemplary computer system/server 12 for being used to realize embodiment of the present invention.
The computer system/server 12 that Fig. 3 is shown is only an example, should not function and use scope to the embodiment of the present invention
Bring any restrictions.
As shown in figure 3, computer system/server 12 is showed in the form of universal computing device.Computer system/service
The component of device 12 can include but is not limited to：One or more processor (processing unit) 16, memory 28 connect not homology
The bus 18 of system component (including memory 28 and processor 16).
Bus 18 indicates one of a few class bus structures or a variety of, including memory bus or Memory Controller,
Peripheral bus, graphics acceleration port, processor or the local bus using any bus structures in a variety of bus structures.It lifts
For example, these architectures include but is not limited to industry standard architecture (ISA) bus, microchannel architecture (MAC)
Bus, enhanced isa bus, Video Electronics Standards Association (VESA) local bus and peripheral component interconnection (PCI) bus.
Computer system/server 12 typically comprises a variety of computer system readable media.These media, which can be, appoints
What usable medium that can be accessed by computer system/server 12, including volatile and non-volatile media, it is moveable and
Immovable medium.
Memory 28 may include the computer system readable media of form of volatile memory, such as random access memory
Device (RAM) 30 and/or cache memory 32.Computer system/server 12 may further include it is other it is removable/no
Movably, volatile/non-volatile computer system storage medium.Only as an example, storage system 34 can be used for reading and writing
Immovable, non-volatile magnetic media (Fig. 3 do not show, commonly referred to as " hard disk drive ").It, can although being not shown in Fig. 3
To provide the disc driver for reading and writing to removable non-volatile magnetic disk (such as " floppy disk "), and it is non-volatile to moving
Property CD (such as CD-ROM, DVD-ROM or other optical mediums) read and write CD drive.In these cases, each drive
Dynamic device can be connected by one or more data media interfaces with bus 18.Memory 28 may include at least one program
Product, the program product have one group of (for example, at least one) program module, these program modules are configured to perform the present invention
The function of each embodiment.
Program/utility 40 with one group of (at least one) program module 42 can store in such as memory 28
In, such program module 42 includes --- but being not limited to --- operating system, one or more application program, other programs
It may include the realization of network environment in module and program data, each of these examples or certain combination.Program mould
Block 42 usually executes function and/or method in embodiment described in the invention.
Computer system/server 12 can also be (such as keyboard, sensing equipment, aobvious with one or more external equipments 14
Show device 24 etc.) communication, it is logical that the equipment interacted with the computer system/server 12 can be also enabled a user to one or more
Letter, and/or with the computer system/server 12 any is set with what one or more of the other calculating equipment was communicated
Standby (such as network interface card, modem etc.) communicates.This communication can be carried out by input/output (I/O) interface 22.And
And computer system/server 12 can also pass through network adapter 20 and one or more network (such as local area network
(LAN), wide area network (WAN) and/or public network, such as internet) communication.As shown in figure 3, network adapter 20 passes through bus
18 communicate with other modules of computer system/server 12.It should be understood that although not shown in the drawings, computer can be combined
Systems/servers 12 use other hardware and/or software module, including but not limited to：Microcode, device driver, at redundancy
Manage unit, external disk drive array, RAID system, tape drive and data backup storage system etc..
The program that processor 16 is stored in memory 28 by operation, at various function application and data
Reason, such as realize the method in embodiment illustrated in fig. 2.
The present invention discloses a kind of computer readable storage mediums, are stored thereon with computer program, the program quilt
Processor will realize the method in embodiment as shown in Figure 2 when executing.
It can be using any combination of one or more computer-readable media.Computer-readable medium can be calculating
Machine readable signal medium or computer readable storage medium.Computer readable storage medium for example can be --- but it is unlimited
In system, device or the device of --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor, or any above combination.It calculates
The more specific example (non exhaustive list) of machine readable storage medium storing program for executing includes：Electrical connection with one or more conducting wires, just
Taking formula computer disk, hard disk, random access memory (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In this document, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.
Computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including --- but
It is not limited to --- electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be
Any computer-readable medium other than computer readable storage medium, which can send, propagate or
Transmission is for by the use of instruction execution system, device or device or program in connection.
The program code for including on computer-readable medium can transmit with any suitable medium, including --- but it is unlimited
In --- wireless, electric wire, optical cable, RF etc. or above-mentioned any appropriate combination.
The computer for executing operation of the present invention can be write with one or more programming languages or combinations thereof
Program code, described program design language include object oriented program language-such as Java, Smalltalk, C++,
Further include conventional procedural programming language-such as " C " language or similar programming language.Program code can be with
It fully executes, partly execute on the user computer on the user computer, being executed as an independent software package, portion
Divide and partially executes or executed on a remote computer or server completely on the remote computer on the user computer.?
Be related in the situation of remote computer, remote computer can pass through the network of any kind --- including local area network (LAN) or
Wide area network (WAN)-be connected to subscriber computer, or, it may be connected to outer computer (such as mentioned using Internet service
It is connected for quotient by internet).
In several embodiments provided by the present invention, it should be understood that disclosed device and method etc. can pass through
Other modes are realized.For example, the apparatus embodiments described above are merely exemplary, for example, the division of the unit,
Only a kind of logical function partition, there may be another division manner in actual implementation.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
It is each that equipment (can be personal computer, server or the network equipment etc.) or processor (processor) execute the present invention
The part steps of embodiment the method.And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM,
Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. it is various
It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.
Claims (15)
1. a kind of intelligent finance collection system, which is characterized in that including：Financial collection system and block platform chain；
The finance collection system, for obtaining the collection task of financial institution employee setting and the parameter of the collection task,
The collection task and the parameter are packaged as assets packet, and complete the assets packet in the data of the block platform chain
Chain operation；Data based on cochain show the assets packet for choosing, and determine the selected assets packet of third party's collection mechanism, reach
At transaction, and the transaction is completed in the data uplink operation of the block platform chain.
2. intelligent finance collection system according to claim 1, which is characterized in that
Include in the finance collection system：First management console, the second management console and back-end platform；
The first management console, for obtaining the collection task of financial institution employee setting and the ginseng of the collection task
Number, is packaged as assets packet for the collection task and the parameter, and complete the assets packet in the number of the block platform chain
According to uplink operation；
The second management console shows the assets packet for choosing, determines third party's collection for the data based on cochain
The selected assets packet of mechanism, concludes the transaction, and completes the transaction in the data uplink operation of the block platform chain；
The first management console and the second management console pass through the back-end platform and the block platform chain
It interacts.
3. intelligent finance collection system according to claim 1, which is characterized in that
The block platform chain externally provides following application programming interface API：API is brought in asset management API and transaction together；
The finance collection system is based on the asset management API and interacts with the block platform chain, completes asset management
Relevant operation, the asset management relevant operation include：The assets packet the block platform chain data uplink operation, on
The acquisition of the data of chain operates；
The finance collection system is brought API together based on the transaction and is interacted with the block platform chain, completes transaction and brings together
Relevant operation, the transaction bring relevant operation together and include：To the transaction reached the block platform chain data uplink operation.
4. intelligent finance collection system according to claim 3, which is characterized in that
The parameter includes：Agreement terms；
Include in the agreement terms：The terms of settlement of price and the price.
5. intelligent finance collection system according to claim 4, which is characterized in that
The block platform chain further provides for following API：Intelligence and about API；
After determining that third party's collection mechanism completes selected resource packet corresponding collection task, the block platform chain is based on institute
Intelligence and about API are stated, according to the regulation in the agreement terms, completes to settle accounts the commission of third party's collection mechanism.
6. intelligent finance collection system according to claim 4, which is characterized in that
The block platform chain is further used for, and obtains the pricing information for being directed to the collection task, the pricing information is led to
It crosses the asset management API and is supplied to the financial collection system, give the financial institution by the financial collection system demonstration
Employee refers to.
7. intelligent finance collection system according to claim 6, which is characterized in that
The block platform chain obtains the pricing information that financial brain provides；
The pricing information is that the financial brain gets the collection as the collection task from user's representation data platform
After user's representation data of the user of object, according to the price for the collection task that user's representation data evaluates.
8. a kind of intelligent finance collection method, which is characterized in that including：
The finance collection system obtains the collection task of financial institution employee setting and the parameter of the collection task, will be described
Collection task and the parameter are packaged as assets packet, and complete the assets packet and grasp in the data cochain of the block platform chain
Make；
The data of the finance collection system based on cochain, show the assets packet for choosing, and determine that third party's collection mechanism selects
Fixed assets packet, concludes the transaction, and completes the transaction in the data uplink operation of the block platform chain.
9. intelligent finance collection method according to claim 8, which is characterized in that
The asset management application programming interface API that the finance collection system is externally provided based on the block platform chain with
The block platform chain interacts, and completes asset management relevant operation, and the asset management relevant operation includes：The assets
Wrap the acquisition operation of the data uplink operation, the data of cochain in the block platform chain；
The finance collection system based on the transaction that the block platform chain externally provides bring together API and the block platform chain into
Row interaction completes transaction and brings relevant operation together, and the transaction brings relevant operation together and includes：To the transaction reached in the block chain
The data uplink operation of platform.
10. intelligent finance collection method according to claim 9, which is characterized in that
The parameter includes：Agreement terms；
Include in the agreement terms：The terms of settlement of price and the price.
11. intelligent finance collection method according to claim 10, which is characterized in that
The API that the block platform chain externally provides further comprises：Intelligence and about API, so as to when determining third party's collection machine
After structure completes the selected corresponding collection task of resource packet, the intelligence and about API are based on by the block platform chain, according to institute
The regulation in agreement terms is stated, completes to settle accounts the commission of third party's collection mechanism.
12. intelligent finance collection method according to claim 10, which is characterized in that
This method further comprises：The finance collection system is obtained flat from the block chain by the asset management API
The pricing information is showed the financial institution employee to refer to by the pricing information for the collection task of platform.
13. intelligent finance collection method according to claim 12, which is characterized in that
The pricing information is that the block platform chain is obtained from financial brain；
The pricing information is that the financial brain gets the collection as the collection task from user's representation data platform
After user's representation data of the user of object, according to the price for the collection task that user's representation data evaluates.
14. a kind of computer equipment, including memory, processor and it is stored on the memory and can be on the processor
The computer program of operation, which is characterized in that the processor is realized when executing described program as any in claim 8~13
Method described in.
15. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that described program is processed
The method as described in any one of claim 8~13 is realized when device executes.
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