CN108876599A - A kind of poverty alleviation loan administration system - Google Patents
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Abstract
It includes server-side, file-sharing library and block chain network that the present invention, which provides a kind of poverty alleviation loan administration system,；The server-side is used to be responsible for user right control, credit discount logical process, stores with the data interaction of block chain network, the calling of intelligent contract and data；The file-sharing library is used for file-sharing；The block chain network is used to carry out depositing card management to information flow, examination & approval stream, cash flow in poverty alleviation loan, and block chain carries out the data exchange of cross-domain application；Logic executes between carrying out cross-domain application with intelligent contract, completes poverty alleviation is provided a loan between multiple participants stream compression and workflow；It realizes the access privilege control of data and interface on chain, the preferably information flow, cash flow, examination & approval stream of monitoring poverty alleviation process, reduces the behaviors such as illegal in violation of rules and regulations and policy arbitrage brought by information asymmetry.
Description
Technical field
The present invention relates to a kind of poverty alleviation loan administration systems.
Background technique
Poverty alleviation loan and simple loan ratio, there is apparent difference.
In process：
One, before initiation of providing a loan, poverty alleviation loan needs acquisition of being filed by committee of each area under one's jurisdiction village progress information, and higher level is submitted to help
After the examination & approval of Pin Bandeng relevant governmental organ, the personnel in determining poverty alleviation list may be eligible to application poverty alleviation loan.
Two, after creditor's application, after need to also being examined by office of poverty alleviation, poverty alleviation loan could be provided.
Three, per a period of time needs to apply for help-the-poor discount-interest loan to relevant government bodies, and during which government may be to helping
The qualification of poor object is reaffirmed that former poverty alleviation object may be cancelled qualification.
On user's portrait：
Not only it is to be understood that the borrowing demand of user, loan repayment capacity, refund wish, it is also necessary to judge whether user is that policy permits
Perhaps poverty alleviation loan origination object.
On system Construction：
Poverty alleviation loan needs to dock multiple government departments, they have built related system and process goes processing poverty alleviation to borrow
Money, the corresponding method and system of the invention, should with these system dockings and its upgrading amount is made to reach minimum, other bank
Itself is also built equipped with credit system, billing and accounting system etc., in order to preferably manage poverty alleviation object reference and loan, supervision poverty alleviation money
Gold flow direction, it is also desirable to be docked in poverty alleviation loan administration system, should also make these system reform workloads minimum.
To sum up, compared with simple loan, it is that process is more complicated first, is related to government agencies at all levels, need to integrate multiple
The process and link that different departments and system are realized；Secondly in addition to judging user and whether having loan repayment capacity, it is also necessary to judge user
Whether it is poor household, needs the data supporting more from different departments；It finally needs each by minimizing reforming mode docking
Related system provides government regulation interface.
Poverty alleviation loan is the policy-related loan business undertaken by domestic related financial institution, it is China's development for poverty relief
Important component, be the important measure of general favour finance.But it is related to multidisciplinary, multiple groups for the examination & approval of poverty alleviation loan, granting etc.
Loom structure, multi-user role application scenarios, still have approval process it is complicated, not in time, information asymmetry, supervision difficulty etc. ask
Topic, What is more, by the way of artificial under line, brings to the poverty alleviation loan administration of poverty alleviation object, bank, government organs many
Problem.
Currently, the management system provided a loan for poverty alleviation is more the determination and application of special mentioned loan object, generally use
The deployment mode of centralization, it is more difficult to realize the examination & approval of poverty alleviation loan, provide, the full-range control of discount management, also be supervised to government
Pipe brings certain difficulty.Publication No. 107657577A, date of publication are the invention of 2018-02-02《A kind of side of accurate poverty alleviation
Method and system》, a kind of accurate poverty alleviation method and system realized using big data statistical technique is disclosed, including to the poor of acquisition
Tired user data is classified, is acquired, is concluded, and the poor household for obtaining each administrative region causes poor reason, establishes each administrative region classification
Management mode, and according to the helping measure of planning, helping course information is obtained, and to the project pipe that helping course information is taken
It manages and exercises supervision with use of funds situation, and then realize really accurate poverty alleviation.Publication No. is 107945079A, and date of publication is
The invention of 2018-04-20《A kind of poverty alleviation object selection method and device》, disclose the selection method and dress of a kind of poverty alleviation object
Set, including according to acquisition multinomial preset parameter value and the corresponding compound misery index of default weight calculation, further according to poverty
The size ascending order of index arranges to form poor candidate list, and can expand candidate target range, realizes and accurately determines poverty alleviation pair
As achieving the effect that " accurate poverty alleviation ".Publication No. is 107343041A, and date of publication is the invention of 2017-11-10《One kind is based on
The accurate poverty alleviation management system and method for cloud computing》, a kind of accurate poverty alleviation management system and method based on cloud computing is disclosed,
It including service layer, podium level, management level and resource layer, realizes and the related data of poverty alleviation object and societal forces is integrated, to helping
Poverty reduction strategy is classified, is calculated, recommended and optimized to poor object, social resources, integrates and distribute rationally social resources, and raising is helped
Poor benefit, while poverty alleviation performance can be assessed and track, improve the efficiency of poverty alleviation decision.
Above-mentioned technology major defect has：
Firstly, foregoing invention and being not implemented provides a loan full-range management to poverty alleviation, poverty alleviation loan administration includes poverty alleviation object
The stages such as determination, poverty alleviation loan application, poverty alleviation loan administration, poverty alleviation discount loan application, and foregoing invention is more concern
The confirmation of poverty alleviation loan and application link do not make answer to poverty alleviation loan whole-process management；
Secondly, being asked for approval process complexity, risk monitoring and control, information asymmetry, the supervision difficulty etc. in poverty alleviation loan administration
Topic does not provide solution；
Finally, for practical landing scene, foregoing invention does not provide for poverty alleviation provide a loan involved in multi-user role,
Data interchange between more organizations, and trust data between existing system interacts and the solution of the cross-domain execution of logic
Certainly scheme.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of poverty alleviation loan administration system, first is that needing by more
In terms of more true, timely, valid data support users draws a portrait, it can not be distorted using the data of block chain, can trace to the source, extract number
According to characteristics such as HASH characteristic values, establish the data channel built between each relevant departments' related system, ensure data authenticity and
Shi Xing shares to loan rating system by and by this data channel and carries out user's portrait for user's portrait, precisely knows
Other client.Second is that being helped integrating each participation method, system with resource, simplified help-the-poor capital granting link, acceleration approval distributing, quickening
Poor funds release speed realizes that automation bears interest, automatic by transparent shared, the common recognition algorithm of block chain, intelligent contract
The system that the characteristic of execution, the exchange of construction trust data and logic execute, the digitlization of the resources such as implementation process, data, system
Each participation method, system and resource are integrated in integration, are simplified help-the-poor capital and are provided link, accelerate approval distributing, accelerate help-the-poor capital granting
Speed realizes that automation bears interest.Third is that reducing information not in the information flow, cash flow, examination & approval stream that preferably monitor poverty alleviation process
In terms of the behaviors such as illegal in violation of rules and regulations and policy arbitrage brought by symmetrical, by block chain full dose account book information transparency characteristic, in area
The interface that government obtains data in real time is provided in block chain, supervision is provided for government and data supporting interface is provided, preferably monitoring is helped
Information flow, cash flow, the examination & approval stream of poor process, reduce the behaviors such as illegal in violation of rules and regulations and policy arbitrage brought by information asymmetry.
The invention is realized in this way：A kind of poverty alleviation loan administration system, the system comprises server-sides, file-sharing library
And block chain network；
The server-side is used to be responsible for user right control, credit discount logical process, the data friendship with block chain network
Mutually, the calling of intelligent contract and data storage；
The file-sharing library is used for file-sharing；
The block chain network is used to carry out depositing card management, block chain to information flow, examination & approval stream, cash flow in poverty alleviation loan
Carry out the data exchange of cross-domain application；Logic executes between carrying out cross-domain application with intelligent contract, completes to help between multiple participants
The stream compression and workflow of poor loan；Realize the access privilege control of data and interface on chain.
Further, the system is equipped with user account, cross-domain account, chain account, common recognition account and CA account；
The user account is application layer account, is controlled by the one-to-one correspondence with chain account in block chain network
The calling permission of data, interface, intelligent contract；
Cross-domain account is user in cross-domain application using account, block chain network by according to the demand of cross-domain participant,
Create chain account and cross-domain account correspond, the calling permission of data, interface, intelligent contract in realization block chain network
Control；
Chain account is the account in block chain network, each participant invents a tissue, each tissue is pressed
There are 1 to n block chain node and a CA according to demand, chain account is generated by CA and provided public private key pair and certificate, chain account
The calling permission of different data, interface, intelligent contract is configured according to demand, and corresponding in a user account, to user's
Behavior, data carry out effectively uniquely depositing card, and the permission of chain account will carry out the whole network broadcast and each block chain node is written
Database in；
Common recognition account possesses data whole in block chain network, interface, intelligence and closes for reaching common understanding between node of knowing together
Calling permission about, for guaranteeing that the implementing result into chain data, operation and intelligent contract is authentic and valid；
CA account executive, for the management of CA in block chain network tissue, the application of the access, chain account of controllers,
The generation and granting of certificate and public private key pair grasp CA account by each participant, formulate personnel's admittable regulation.
Further, the algorithm reached common understanding between the common recognition node is PBFT algorithm.
Further, the intelligent contract includes poverty alleviation loan approval process contract, loan administration contract and poverty alleviation patch
Breath application contract；
The poverty alleviation loan approval process contract, the confirmation of poverty alleviation object, the poverty alleviation that related participant is participated in jointly are provided a loan
Application process is abstracted into contract, and poverty alleviation implementing result is fed back to each participant by block chain network according to cross-domain invocation protocol
?；
Loan agreement clause is abstracted as contract by loan administration contract, and by the creditor in loan agreement, time, phase
Limit for length's degree, interest rate, expiry date for interest abstract, and as the input parameter of loan administration contract, contract is run according to these parameters.It should
The main behavior of contract have contract generation, loan origination, discount of settling interests, loan expire, disposition of break a contract, credit risk monitor；
Poverty alleviation discount application contract, according to the agreement of bank and government, generation discount of settling interests automatically at regular intervals Shen
Please, the discount loan is applied for government by block chain network, examination & approval will provide poverty alleviation discount loan by rear relevant government agencies
To bank's destiny account, discount is issued in poverty alleviation object account by bank, and cochain is deposited card by funds associated therewith release information.
Further, the shared file is used for shared file, and the HASH value of each shared file is stored to block
Chain network.
Further, the block networking network includes plurality of blocks chain tissue, and the block chain tissue includes at least one
A block chain node and a digital certificate；The block chain node includes database, and the database is used to store upload
Data.
Further, the data of the upload are encryption data or clear data；The encryption data is each participant
In the case where reaching an agreement, information participant exchanges code key by DH code key exchange algorithm, later encrypts data.
The invention has the advantages that：
1, provide a loan full-range management the present invention be directed to poverty alleviation, the prior art mainly for the Object identifying stage, they
Used analysis model, data process method can be realized directly in system proposed by the present invention, and mature and reliable is sufficiently used
The technology of safety increases the accuracy and efficiency of client's identification.
2, the present invention is based on the characteristics of block chain technology, increase the confidence level between different institutions, to get through across mechanism
Data barrier provides technical security guarantee, and data interchange, data sharing provide technical support between realization different institutions.
3, the present invention disassembles loan critical workflow, solidifies service logic with intelligent contract, real by common recognition mechanism
Existing believable service logic executes (the especially cross-domain execution of service logic), and original link that need to manually participate in is changed to system
It automatically processes, improves the efficiency of poverty alleviation granting.
4, it by the way that uplink data is carried out real-time air control analysis, and is exposed to regulatory agency and has access to, increase to fund
The tracking used, add somewhat to system can it is supervisory, avoid policy arbitrage behavior.
Detailed description of the invention
The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is system structure of the invention schematic diagram.
Fig. 2 is poverty alleviation loan administration system account system schematic diagram of the invention.
Fig. 3 is the intelligent contract operational process schematic diagram of the present invention.
Fig. 4 is PBFT algorithm Principle of Communication schematic diagram.
Fig. 5 is that present system runs timing diagram.
Specific embodiment
Poverty alleviation loan administration system of the present invention, the system comprises server-side, file-sharing library and block chain networks；
The server-side is used to be responsible for user right control, credit discount logical process, the data friendship with block chain network
Mutually, the calling of intelligent contract and data storage；
The file-sharing library by file-sharing, and by the HASH value of each shared file for storing to block link network
Network；
The block chain network is used to carry out depositing card management, block chain to information flow, examination & approval stream, cash flow in poverty alleviation loan
Carry out the data exchange of cross-domain application；Logic executes between carrying out cross-domain application with intelligent contract, completes to help between multiple participants
The stream compression and workflow of poor loan；Realize the access privilege control of data and interface on chain.
The system is equipped with user account, cross-domain account, chain account, common recognition account and CA account；
The user account is application layer account, is controlled by the one-to-one correspondence with chain account in block chain network
The calling permission of data, interface, intelligent contract；
Cross-domain account is user in cross-domain application using account, block chain network by according to the demand of cross-domain participant,
Create chain account and cross-domain account correspond, the calling permission of data, interface, intelligent contract in realization block chain network
Control；
Chain account is the account in block chain network, each participant invents a tissue, each tissue is pressed
There are 1 to n block chain node and a CA according to demand, chain account is generated by CA and provided public private key pair and certificate, chain account
The calling permission of different data, interface, intelligent contract is configured according to demand, and corresponding in a user account, to user's
Behavior, data carry out effectively uniquely depositing card, and the permission of chain account will carry out the whole network broadcast and each block chain node is written
Database in；
Common recognition account possesses data whole in block chain network, interface, intelligence and closes for reaching common understanding between node of knowing together
Calling permission about, for guaranteeing that the implementing result into chain data, operation and intelligent contract is authentic and valid, the common recognition section
The algorithm reached common understanding between point is PBFT algorithm；
CA account executive, for the management of CA in block chain network tissue, the application of the access, chain account of controllers,
The generation and granting of certificate and public private key pair grasp CA account by each participant, formulate personnel's admittable regulation.
The intelligence contract includes that poverty alleviation loan approval process contract, loan administration contract and poverty alleviation discount application are closed
About；
The poverty alleviation loan approval process contract, the confirmation of poverty alleviation object, the poverty alleviation that related participant is participated in jointly are provided a loan
The processes such as application are abstracted into contract, and poverty alleviation implementing result is fed back to each participation by block chain network according to cross-domain invocation protocol
Side；
Loan agreement clause is abstracted as contract by loan administration contract, and by the creditor in loan agreement, time, phase
Limit for length's degree, interest rate, expiry date for interest abstract, and as the input parameter of loan administration contract, contract is run according to these parameters.It should
The main behavior of contract have contract generation, loan origination, discount of settling interests, loan expire, disposition of break a contract, credit risk monitor；
Poverty alleviation discount application contract, according to the agreement of bank and government, generation discount of settling interests automatically at regular intervals Shen
Please, the discount loan is applied for government by block chain network, examination & approval will provide poverty alleviation discount loan by rear relevant government agencies
To bank's destiny account, discount is issued in poverty alleviation object account by bank, and cochain is deposited card by funds associated therewith release information.
The block networking network includes plurality of blocks chain tissue, and the block chain tissue includes at least one block chain link
Point and a digital certificate；The block chain node includes database, the database be used for store upload data, it is described on
The data of biography are encryption data or clear data；The encryption data is information ginseng in the case that each participant is reached an agreement
Code key is exchanged by DH code key exchange algorithm with side, later encrypts data.
Poverty alleviation loan is that process is more complicated first, is related to government agencies at all levels, need to integrate more compared with simple loan
The process and link that a difference department and system are realized；Secondly in addition to judging user and whether having loan repayment capacity, it is also necessary to which judgement is used
Whether family is poor household, needs the data supporting more from different departments；It finally needs by minimizing reforming mode docking
Each related system provides government regulation interface.Above-mentioned problem can not be distorted by the data of block chain, can be traced to the source, extract data
HASH characteristic value, transparent shared, common recognition algorithm, intelligent contract the trust data that characteristics are established between cross-domain system such as execute automatically and hand over
Change, logic executes system and realizes, be well solved.
A kind of specific embodiment of the present invention：
System architecture
As shown in Figure 1, being designed poverty alleviation loan administration system (lower abbreviation system) by block chain technology, integration link is each
Participant related system (refers to that logic is held on the data exchange provided between related system and the chain realized by intelligent contract
Row), build complete poverty alleviation loan application, an audit, delivery system.
Poverty alleviation loan administration system mainly includes client, 4 part group of server-side, file-sharing library and block chain network
At：
Client is user, bank clerk and is ready the showing interface provided using the government employee of application end and operation
End；
Server-side provide user right control, Interface Control, Row control, the credit management, discount processing, data exchange,
The modules such as database are responsible for user right control, credit and the data interaction and intelligence paied interest in the form of a deduction when selling a bill of exchange, etc. between logical process and block chain network
The calling of energy contract, data storage；
File-sharing library carries out controlled file-sharing between each participant, these files (can be text, table,
Picture, audio-video etc.) belong to semi-structured or unstructured data, with occupancy memory space, big, content needs a certain range
The features such as interior secrecy, so file is stored in file-sharing library, and controlled mode is shared on demand by the HASH value cochain of this document
To related participant, there is the participant of access authority that can arrive file-sharing library downloading file, and verifies file by HASH value to be
It is no to be tampered；
Block chain network to information flow, examination & approval stream, cash flow etc. in poverty alleviation loan first is that carry out depositing card management, second is that using area
Block chain carries out the data exchange of cross-domain application, and believable logic executes between carrying out cross-domain application with intelligent contract, completes multiple answer
User's data of portrait are provided third is that passing through each participant data of integration with stream compression, a workflow for poverty alleviation loan
Support, fourth is that realizing the access privilege control of data and interface on chain.
Hereafter, we divide system of account and permission to control, and information is controlled shared on chain and supervises, intelligent contract, common recognition machine
System is executed with cross-domain logical, and four parts of block data structures illustrate the poverty alleviation loan administration system based on intelligent contract.
One, system of account and permission control
Poverty alleviation loan administration system is one and is related to the system of multiple cross-domain systems, devise thus adapt to it is cross-domain multiple
The multiple system of account for the complex environment that user management, cross-domain data interaction, cross-domain logical execute：
As shown in Fig. 2, account system is divided into 5 grades：User account (application layer), cross-domain account, chain account (block chain account
Family), common recognition account, CA account executive.
User account is application layer account, and the user of poverty alleviation loan administration system is using account, the account and using user
Operation corresponding, that server-side controls the interface that it can see and can carry out, additionally by the one-to-one correspondence with chain account
To control the calling permission to data, interface, intelligent contract in block chain network.
Cross-domain account is user in cross-domain application using account, block chain network by according to the demand of cross-domain participant,
Create chain account and cross-domain account correspond, the calling permission of data, interface, intelligent contract in realization block chain network
Control.Wherein, the billing and accounting system of bank's inter-process is provided a loan credit system, processing billing information should also be looked at as cross-domain system
System, is connected by cross-domain account with poverty alleviation loan administration system, realizes that data cochain, interface and intelligent contract call.
Chain account is the account in block chain network, and in this management system, each participant can be by empty in logic
Intend into a tissue, such as the block chain network tissue that Fig. 1 block chain tissue 1 is bank, each tissue has 1 to n as desired
A not equal block chain node and a CA, chain account are generated by CA and are provided public private key pair and certificate.Chain account is according to demand
The calling permission of different data, interface, intelligent contract is configured, and corresponding in an application user, it in this way could be to user's
Behavior, data carry out effectively uniquely depositing card, and the permission of chain account is by progress the whole network broadcast and the data of each node are written
In library.
Common recognition account belongs to one kind of chain account, it cannot be called by any application user, can only be by common recognition node altogether
It is called when knowledge, is mainly used for reaching common understanding between common recognition node, possesses data whole in block chain network, interface, intelligent contract
Calling permission.For guaranteeing that the implementing result into chain data, operation and intelligent contract is authentic and valid.
CA account executive, for the management of block chain network tissue CA, the application of the access, chain account of controllers, card
The generation and granting of book and public private key pair voluntarily grasp CA account by each participant, formulate personnel's admittable regulation.
Therefore, by 5 grades of system of account, first is that being realized by user account, cross-domain account can check using end subscriber
Interface and the control of executable operating right；Second is that by user account, the one-to-one correspondence of cross-domain account and chain account, control is used
Card is deposited to the calling permission of block chain network, and to what user behavior carried out uniqueness in family；Third is that being weighed completely on chain by possessing
The common recognition account of limit is reached common understanding, and guarantees that uplink data is true；Fourth is that passing through CA account executive controllers access.
Two, information is controlled shared on chain and supervises
The shared of data is one of elementary object of this system, and shared by data will reach：It is participated in first is that polymerization
Number formulary evidence provides more accurately user's portrait, while identifying whether user is to meet in conjunction with technologies such as big data, data minings
The poor household of policy requirements and whether there is refund will and capacity, reduces credit risk etc.；Second is that data flow, examination & approval stream, money
Gold stream cochain, achievees the purpose that deposit card；Third is that by being there is qualification to have data flow, examination & approval stream, the controlled opening of cash flow on chain
The government monitoring agencies of power realize supervision in real time.
The controlled shared solution combined using chain account data access privilege control and the exchange of DH code key, is in addition adopted
It can inherently achieve the effect that data are controlled shared with the framework in file-sharing library.First is that from the framework of system it is found that common use
Family has been isolated in outside poverty alleviation loan administration system, and access data, interface, intelligent contract are by poverty alleviation loan administration system
The control of system and chain account permission control module.The participants such as bank, government possess all chains because possessing block chain node
Upper data, participant user and chain account correspond, and are limited by setting chain account data access authority on block chain
The data access of participant user.Block chain will be written in chain account access permission, carry out the whole network broadcast, and single participant can not be certainly
Row changes its access authority.Second is that (including the government's machine for supervising permission in each participant if there is higher privacy requirements
Structure) all reach an agreement in the case where, information participant can by DH code key exchange algorithm exchange code key, be write after information is encrypted
Enter block, it is ensured that the privacy of information.Using file-sharing library, only by the HASH value cochain of data, data pass through file
Shared library controlled way is supplied to participant, controls the range of data sharing.
User data needed for user's portrait, examines data, funds release data and needs to supervise number at contract contract data
It is shared according to should all carry out cochain, specifically include：User data, chain account authority information, fund flow information, contract information (close
Same main body, object, other key messages and HASH value of contract scanned copy etc.), application information, approval information, intelligent contract letter
Breath, intelligent contract implementing result etc..
Three, intelligent contract, common recognition mechanism and cross-domain logical execute
In order to minimize each system reform workload, just pass through the distributed account book of block chain (distributed number in other words
According to library) realize the shared of data, the credible execution of cross-domain logic is also realized by block chain intelligence contract.Every a intelligent contract
It will be issued in entire block chain, and card is deposited to cochains such as publisher, time, version, HASH.Block chain it is credible
The cooperation for the mechanism of knowing together will be needed by executing.
As shown in figure 3, the intelligent contract of system can be called by poverty alleviation loan administration server of the system, one is by user
The intelligent contract that operation is initiated calls, and is initiated according to user's operation；Another kind is to answer when intelligent contract reaches certain agreed terms
Automatically it executes, such as the expiry date for interest of loan, the automatic intelligent contract of calling is settled interests or cross-domain examination & approval, when cross-domain user is complete
After examination & approval, intelligent contract is run according to approval results.The intelligent contract that system is related to all is that the cycle of operation is long, is related to user
More, cross-domain application is more, long flow path link is more, so being held using executing intermediate result, executing request cochain for cross-domain, asynchronous
Row calls.Cross-domain execution, such as aforementioned cross-domain examination & approval were executed by the cross-domain invocation protocol of each participant agreement in intelligent contract
Cheng Zhong, once discovery needs cross-domain invocation protocol data can be written in block chain, cross-domain application is from block chain across executing
After getting cross-domain invocation protocol data, program will be initiated according to agreement, after the completion of entire cross-domain execution, cross-domain application according to across
Block chain is written in executive condition by domain invocation protocol, and poverty alleviation loan administration server of the system will be held according to what is obtained from block chain
Row result further calls intelligent contract, until this intelligent contract executes completion.
The following intelligent contract of poverty alleviation loan administration system design：Poverty alleviation loan approval process contract (PAL_SC_
Approve), loan administration contract (PAL_SC_Manage), poverty alleviation discount application contract (PAL_SC_Interest).
The related participant such as poverty alleviation object, government, bank is total to by provide a loan approval process and about PAL_SC_Approve of poverty alleviation
Intelligent contract is abstracted into processes such as the confirmation of poverty alleviation object, the poverty alleviation loan applications participated in, wherein passes through the side of cross-domain calling
Formula, many processes are still realized by each participant original system original process, need to only be passed through implementing result according to cross-domain invocation protocol
Block chain network feeds back to each participant.
Loan agreement clause is abstracted as intelligent contract by loan administration contract (PAL_SC_Manage), and by loan agreement
The major parameters such as creditor, time, term length, interest rate, expiry date for interest abstract, as loan administration contract (PAL_SC_
Manage input parameter), intelligent contract is according to these parameter automatic runnings.The main behavior of intelligence contract have contract generate,
Loan origination, discount of settling interests, loan expire, disposition of break a contract, credit risk monitor (by credit, billing and accounting system, air control system etc.
Cross-domain application is realized) etc., there are multiple modules to need cross-domain calling realizing.
Poverty alleviation discount application contract (PAL_SC_Interest) according to bank and government agreement, at regular intervals from
Dynamic generation discount application of settling interests applies for the discount loan to government by block chain network, and discount examination & approval are according to government department's demand
Can be examined in its system of having by oneself can also be examined in poverty alleviation loan administration system.Examination & approval pass through rear relevant government agencies
Poverty alleviation discount loan will be provided by own system to bank's destiny account, discount is sent out also by own Accounting system by bank
It is put into poverty alleviation object account, cochain is deposited card by funds associated therewith release information.
In addition, in order to ensure that intelligent contract creation, modification, going into operation meets each side's protocol results, builds intelligent contract test run
Row mechanism, first each side will build intelligent contract trial run environment jointly, and the specific online deployment process of contract is as follows：
It 1, is each participant joint consultation intelligence contract, the different execution conditions (input) of joint agreement intelligence contract, and
Arrange the expected results that contract executes under different condition, formulates the agreement and interface of calling；
It 2, is that intelligent contract is realized by a certain participant (generally bank)；
It 3, is that each participant is verified by trial run environment test, whether intelligent contract implementing result meets the expection of formulation
As a result, whether correctly proposing alarm under the conditions of not meeting the execution reached an agreement in advance；
It 4, is the formal intelligent contract of publication if intelligent contract meets expected results, on-line running.
In this way, system solves information asymmetry by block chain, and intelligent contract solves automation issues, system block chain
Network not only shared information, it is also shared to execute.
Common recognition mechanism
To realize that believable contract executes, we select PBFT algorithm (Practical Byzantine Fault
Tolerance, practical Byzantine failure tolerance algorithm), which is based on Byzantium general problem, as shown in figure 4, C is client in figure
End, 0,1,2,3 be common recognition node, wherein 0 is host node, 2-3 is copy, and process is as follows：
1.REQUEST：Client sends request call service operations to host node；
2.PRE-PREPARE：Host node executes request, and by implementing result and requests (i.e. a pre- by broadcast
Prepare information) it is sent to other copies；
3.PREPARE：All copies are carried out request, if agreeing to host node implementing result, will send a prepare
Information gives other nodes；
4.COMMIT：When node receives 2f+1 prepare (prepare including node itself), commit is just sent
Information gives other nodes.
5.REPLY：When node receives 2f+1 commit, result is sent back into client, client need to wait f+1 not
It is sent back to replica node identical as a result, final result as whole operation.
In poverty alleviation loan administration system, key is the 2nd and 3 the two steps, and here all common recognition nodes are carried out
Request, only implementing result is consistent with host node result just can confirm that, to guarantee that believable logic executes between cross-domain system.Cause
This in poverty alleviation loan administration system, devises common recognition account, and the account possesses complete data, interface, intelligent contract and calls power
Limit, the account cannot be called by any user or poverty alleviation financial service end, cross-domain application, only allow to reach in block chain network
When common recognition, called by specified block chain common recognition node.Node of knowing together passes through account verification block information, the intelligent contract of execution
And comparison result, confirmation transaction are newest, confirmation signing messages etc., all pass through and if only if these conditions, can just send
Prepare message, and common recognition node is required to receive 2f+1 prepare and commit, it is legal just to determine that this request executes.Separately
Outside, the strategy of all participant node joint endorsements of Systematic selection, to be further ensured that logic executes credible.
Four, block data structures
This system follows the block chain structure of Hyperledger Fabric, but is root in the data for being specifically put into block
It (calls in the following text " across station agreement " across station communication protocol according to what the communication and coordination between each participant were reached, is directed to close across station intelligence
The part about called is known as " cross-domain invocation protocol "), it will operate each time and (deposit card, data exchange etc. containing transaction, application, data)
Data are formatted according to across station agreement data structure, are put into block, each block can be put into one or more operation datas.
System uses JSON data interchange format across station agreement predetermined operation data, and main definitions have：Action type
(OperationType), operation object (OperationUser), operation data (OperationData), ID, association HASH
(preHASH), HASH etc..Mainly provide that following keyword indicates the action type of system：It trades, examine, depositing card, data mention
It takes, intelligent contract calling, password exchange etc..Operation object can be specified one or more objects.Operation data is not according to
Same action type, can be there are many different-format.ID is unique number value of this operation.Association HASH be last action,
Or the HASH value such as process belonging to this operation.HASH is the HASH value of this data.Data structure is as follows：
{
“OperationType”:”XXX”,
“OperationUser”:”XXX”,
“OperationData”:[
{"DataName1":"XXX","content":"XXX"},
...,
{"DataNameN":"XXX","content":"XXX"}
],
“ID”:”XXX”,
“preHASH”:”XXX”,
“HASH”:”XXX”
}
The execution of poverty alleviation loan
As shown in figure 5, poverty alleviation loan administration system be broadly divided into poverty alleviation object confirmation stage, the poverty alleviation loan application stage,
Poverty alleviation loan administration stage, poverty alleviation discount loan application stage have invoked poverty alleviation loan examination & approval stream in three phases below respectively
Cheng Heyue (PAL_SC_Approve), loan administration contract (PAL_SC_Manage), poverty alleviation discount application contract (PAL_SC_
Interest)。
This four-stage is not all that sequence executes, wherein a certain process, a certain stage are provided a loan the duration in entire poverty alleviation
It can execute repeatedly.Cross-domain application has been related to the application of government, the non-poverty alleviation loan administration system application of bank, in order to simpler
It is clean to be illustrated, it is unified for cross-domain application, is only indicated in commission, the specific execution process of cross-domain application also skips over.
Fig. 5 can be seen that poverty alleviation loan administration system exchanged with cross-domain inter-system data and it is cross-domain calling all pass through block
Link layer carries out, and intelligent contract layer is responsible for cross-domain logical execution, and it is credible to ensure that logic executes by common recognition mechanism, by block link layer into
Row executes and deposits card.
Although specific embodiments of the present invention have been described above, those familiar with the art should be managed
Solution, we are merely exemplary described specific embodiment, rather than for the restriction to the scope of the present invention, it is familiar with this
The technical staff in field should be covered of the invention according to modification and variation equivalent made by spirit of the invention
In scope of the claimed protection.
Claims (7)
1. a kind of poverty alleviation loan administration system, it is characterised in that：Including server-side, file-sharing library and block chain network；
The server-side is used to be responsible for data interaction, the intelligence of user right control, credit discount logical process and block chain network
The calling and data storage of energy contract；
The file-sharing library is used for file-sharing；
The block chain network is used to carry out depositing card management to information flow, examination & approval stream, cash flow in poverty alleviation loan, and block chain carries out
The data exchange of cross-domain application；Logic executes between carrying out cross-domain application with intelligent contract, completes poverty alleviation between multiple participants and borrows
The stream compression and workflow of money；Realize the access privilege control of data and interface on chain.
2. a kind of poverty alleviation loan administration system according to claim 1, it is characterised in that：The system is equipped with user's account
Family, cross-domain account, chain account, common recognition account and CA account；
The user account is application layer account, is controlled by the one-to-one correspondence with chain account to the number in block chain network
According to the calling permission of, interface, intelligent contract；
Cross-domain account is that the user in cross-domain application applies account, and block chain network will be according to the demand of cross-domain participant, creation
Chain account and cross-domain account correspond, and realize the control of the data, the calling permission of interface, intelligent contract in block chain network
System；
Chain account is the account in block chain network, each participant invents a tissue, each tissue is according to need
Ask 1 to n block chain node and a CA, chain account is generated by CA and is provided public private key pair and certificate, chain account according to
Demand configures the calling permission of different data, interface, intelligent contract, and corresponding in a user account, to the behavior of user,
Data carry out effectively uniquely depositing card, and the permission of chain account is by progress the whole network broadcast and the data of each block chain node are written
In library；
Common recognition account is reached common understanding between node for knowing together, and possesses data whole in block chain network, interface, intelligent contract
Permission is called, for guaranteeing that the implementing result into chain data, operation and intelligent contract is authentic and valid；
CA account executive, for the management of CA in block chain network tissue, the access of controllers, the application of chain account, certificate
And the generation and granting of public private key pair, CA account is grasped by each participant, formulates personnel's admittable regulation.
3. a kind of poverty alleviation loan administration system according to claim 2, it is characterised in that：Reach between the common recognition node altogether
The algorithm of knowledge is PBFT algorithm.
4. a kind of poverty alleviation loan administration system according to claim 1 or 2, it is characterised in that：It is described intelligence contract include
Poverty alleviation loan approval process contract, loan administration contract and poverty alleviation discount application contract；
The poverty alleviation loan approval process contract, the poverty alleviation object confirmation that related participant is participated in jointly, poverty alleviation loan application
Process is abstracted into contract, and poverty alleviation implementing result is fed back to each participant i.e. by block chain network according to cross-domain invocation protocol
It can；
Loan agreement clause is abstracted as contract by loan administration contract, and the creditor in loan agreement, time, time limit is long
Degree, interest rate, expiry date for interest abstract, and as the input parameter of loan administration contract, contract is run according to these parameters.The contract
Main behavior has contract generations, loan origination, discount of settling interests, loan to expire, disposition of breaking a contract, credit risk monitor；
Poverty alleviation discount application contract, according to the agreement of bank and government, generation discount application of settling interests automatically at regular intervals is led to
It crosses block chain network and applies for the discount loan to government, examination & approval will provide poverty alleviation discount loan to bank by rear relevant government agencies
Discount is issued in poverty alleviation object account by destiny account, bank, and cochain is deposited card by funds associated therewith release information.
5. a kind of poverty alleviation loan administration system according to claim 1, it is characterised in that：The shared file is for sharing
File, and the HASH value of each shared file is stored to block chain network.
6. a kind of poverty alleviation loan administration system according to claim 1, it is characterised in that：The block networking network includes multiple
Several block chain tissues, the block chain tissue include at least one block chain node and a digital certificate；The block chain
Node includes database, and the database is used to store the data uploaded.
7. a kind of poverty alleviation loan administration system according to claim 1, it is characterised in that：The data of the upload are encryption
Data or clear data；The encryption data is in the case that each participant is reached an agreement, and information participant passes through DH code key
Exchange algorithm exchanges code key, later encrypts data.
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