CN109146678B - Cross-border supervision reporting system based on traditional block chain - Google Patents
Cross-border supervision reporting system based on traditional block chain Download PDFInfo
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- CN109146678B CN109146678B CN201810348878.2A CN201810348878A CN109146678B CN 109146678 B CN109146678 B CN 109146678B CN 201810348878 A CN201810348878 A CN 201810348878A CN 109146678 B CN109146678 B CN 109146678B
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Abstract
The invention discloses a cross-border supervision reporting system based on a traditional block chain, which is characterized by comprising the following components: the system comprises a traditional blockchain system for realizing cross-border supervision, a traditional blockchain system inside a supervision organization, a supervision and regulation library and a supervision execution engine. The system utilizes the traditional single-chain architecture block chain technology and TR (tracking Record) to process cross-border transaction information, can realize real-time, automatic and tamper-proof cross-border supervision, avoids leakage of account information and transaction information in supervision agencies in the cross-border supervision, and can be used for supervision of transactions among financial institutions belonging to different supervision systems.
Description
Technical Field
The invention relates to a block chain technology and a supervision technology, in particular to a cross-border supervision reporting system based on a traditional block chain.
Background
With the gradual popularization of digital finance, new platforms and new products of various finances emerge endlessly, financial risks are increasingly exposed, and higher requirements are put on the supervision technology by financial supervision. The prior supervision system realizes the supervision purpose by using technologies such as identity authentication, big data analysis and the like, but the prior supervision system has the following problems: (1) in the data acquisition stage, the problem of selective data reporting may occur, resulting in incomplete supervision data; (2) the data is uploaded to a monitoring system to be finished in a non-real-time manner, and delay exists; (3) data may be tampered during the delay period.
The block chain technology has the main characteristics of difficult tampering, difficult counterfeiting and traceability. TR technology is a technology that can dynamically track financial transaction activity. Therefore, the use of the blockchain technology and the TR technology can greatly improve the supervision system to ensure the integrity and real-time performance of supervision data, and simultaneously prevent information from being tampered.
Meanwhile, cross-border supervision is different from domestic supervision. Within a country, regulatory bodies may have all data, with the main task of collecting and analyzing data; however, in cross-border supervision, a supervision unit of one country does not want to share all data with supervision units of other countries, so that the shared data only includes cross-border transaction data of two countries, and the cross-border transaction data is not necessarily shared with a third country which does not participate in transactions. Therefore, how to supervise the transaction between financial institutions belonging to different supervision systems to realize effective cross-border supervision is a problem still existing in the technical field of supervision at present. Meanwhile, in cross-border supervision, because the cross-border transaction period is long, the time for a supervision system to find a problem is possibly shorter than the transaction time, and therefore when the cross-border transaction is found to have a problem, the problem is reported to a transaction mechanism in real time to stop the transaction.
Disclosure of Invention
The invention aims to solve the problem of cross-border transaction supervision among financial institutions affiliated to different supervision systems. The invention provides a method for finishing cross-border supervision by using a block chain technology and a TR technology, which can avoid the leakage of transaction information and account information in a supervision mechanism, can realize instant automatic supervision, and can immediately report the transaction information to a transaction mechanism to stop transaction when a problem of cross-border transaction is found, thereby meeting the real-time performance of cross-border supervision and improving the efficiency of cross-border supervision.
The invention provides a cross-border supervision report system based on a traditional block chain, which is characterized by comprising the following components:
(1) a cross-border blockchain system, in which only one chain IBC (International blockchain) is used to store all transaction information between financial institutions in different monitoring institutions, and the transaction information is automatically transmitted to the transaction blockchain by a TR (tracking Record) technology;
(2) the blockchain system in the supervision institution is used for storing transaction information among financial institutions affiliated to the same supervision institution and is responsible for the interactive work with the cross-border blockchain system of the component (1);
(3) the system comprises a supervision rule base, a monitoring rule base and a monitoring rule base, wherein the supervision rule base is used for storing various supervision rules, and the supervision rules are configurable and can also be imported by an external rule base;
(4) and the supervision execution engine is used for executing the supervision rules in the supervision rule base, reading the transaction data in the block chain for analysis, and automatically generating supervision reports for the transactions meeting the supervision rules.
Further, for the component (1), a traditional single-chain architecture blockchain system is adopted, and transaction information of cross-border transaction is stored by using an IBC chain. The IBC chain provides transaction queries and user queries by establishing user indexes. The accounts in the IBC chain are a subset of the accounts in the two regulatory bodies to which they are connected. The IBC chain can process cross-border transaction records among a plurality of monitoring organizations, and encrypts transaction contents by using an encryption algorithm to prevent transaction information from being leaked. The IBC chain may be a license chain (federation chain or private chain) or a public chain.
Further, for the component (2), a blockchain system inside the supervisory system adopts a traditional single-chain architecture blockchain, and one BC chain is used for storing transaction information between financial institutions belonging to the same supervisory institution. The BC chain inquires account information and transaction information by establishing an account index, and stores all transaction information according to the received time stamp. The BC-chain is responsible for interworking with IBC-chains: when the account information cannot be searched in the IBC chain, the BC chain needs to send the related account information to the IBC chain; when the IBC chain creates a user index, the IBC sends user index information to the BC chain, and the BC chain updates the user index information to the related account index information after receiving the user index sent by the IBC chain; when the transaction information is newly stored in the IBC chain, an updating request is sent to the BC, and the BC records the corresponding transaction information after receiving the request. The BC chain may be a permission chain (federation chain or private chain) or a public chain.
Further, for the component (3), in the supervision system, various supervision rules are stored in a supervision rule base, and a supervisor performs operations such as adding, modifying, deleting and viewing on the supervision rules through a front-end interface or an APP or a database. This claim may allow any regulations to be placed within the regulatory library.
Further, for the component (4), the supervision execution engine can execute the supervision rules in the supervision and regulation library, and the supervision execution engine performs analysis by reading the transaction data in the block chain, performs automatic generation of the supervision report, and stores the generated supervision report in the BC chain. The supervisory execution engine may be independent of the blockchain and run simultaneously without interfering with each other. The supervision execution engine analyzes the records stored in the IBC chain, so that the leakage of transaction information and account information in a supervision institution can be effectively avoided. When finding out the transaction which accords with the supervision rules in the supervision rule base, the supervision execution engine can automatically generate a supervision report and report the report to a transaction financial institution to stop the transaction and freeze a related transaction account.
Further, the conventional block chain-based cross-border supervision reporting system has the following core processes:
(1) after users of different financial institutions (affiliated to different monitoring institutions) trade, the two financial institutions respectively sign the automatically generated TR files and respectively send the signed TR files to the cross-border monitoring system;
(2) after receiving the TR file, the cross-border monitoring system checks the signature by using the public key of the financial institution which sends the TR file, and if the signature check fails, failure information is returned and reported; if the verification is passed, continuing the following operations;
(3) the cross-border monitoring system analyzes the transaction data of each TR file and sends all analyzed transaction data to the IBC chain;
(4) the IBC link receives the transaction data, stores the transaction data information into the IBC link and stores the transaction data information with the received timestamp as the standard; the IBC chain establishes a user index while storing transaction data, searches whether a transaction user is in the user index, updates the index information of the user if the user index information exists in the user index, and records the operation of updating the index information on the IBC chain; if the user index does not have index information of the user, sending an operation of requesting the user information to the BC chain, and after receiving the operation of requesting the user information of the IBC chain, the BC chain sends the user information to the IBC chain; after receiving the user information, the IBC chain establishes index information of the user, records the operation of establishing the index information on the IBC chain, and simultaneously sends the index information to the BC, and after receiving the index information, the BC stores the index information into a corresponding account;
(5) the monitoring execution engine reads the transaction data in the IBC chain while storing the transaction information in the IBC chain, compares whether all the transaction data on the chain are consistent or not, records the comparison result in the IBC chain if the transaction data are inconsistent, and returns failure information and reports the failure information; if the verification is passed, recording the comparison result in an IBC chain, and continuing the following operation;
(6) the supervision execution engine reads the transaction data in the IBC chain, executes and judges whether the transaction is satisfied according to the supervision rules in the supervision rule base, if so, automatically generates a supervision report, records the check result in the IBC chain, and if not, automatically generates the supervision report, additionally informs related supervision personnel or systems, and informs a financial institution of locking a transaction account in time and stopping the transaction.
The invention has the advantages that: the invention realizes cross-border supervision by using the traditional single-chain architecture block chain technology (including a public chain or a permission chain) and the TR technology, avoids leakage of account information and transaction information in a supervision mechanism in the cross-border supervision, and can realize instant automatic supervision. The supervision rule base and the supervision execution engine are used for transaction supervision, the supervision rule base stores supervision rules, and the supervision execution engine analyzes transaction data and generates a transaction supervision report according to results. In cross-border administration, the administrative execution engine can instantly stop violation transactions and freeze the relevant accounts. The system is a novel financial supervision system, realizes automatic supervision, improves supervision efficiency, and reduces supervision cost.
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Some specific embodiments of the invention will be described in detail hereinafter by way of example and not by way of limitation with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. The objects and features of the present invention will become more apparent in view of the following description taken in conjunction with the accompanying drawings. In the drawings:
FIG. 1 is a general schematic diagram of a cross-border regulatory reporting system using a conventional blockchain;
fig. 2 is an overall schematic diagram of a cross-border supervision reporting system adopting a conventional blockchain supervision mode.
Detailed Description
In order to better understand the technical solutions provided by the embodiments of the present invention and better compare the technical solutions with the embodiments of the present invention, the following first describes the specific embodiments of the present invention with reference to the drawings.
The process S1: user a initiates a transaction with user B, where user a is a user of a financial institution (or financial company) P in supervisory system Y and user B is a user of a financial institution (or financial company) Q in supervisory system Z. The financial institution P signs the generated TR file by using a private key of the financial institution P and uploads the signed TR file to the cross-border monitoring system. The financial institution Q signs the generated TR file by using a private key of the financial institution Q and uploads the signed TR file to the cross-border monitoring system.
The process S2: the cross-border regulatory system receives TR files from financial institution P and financial institution Q, assuming that the TR files for financial institution Q were received first. The supervision system verifies the TR file of the financial institution Q and verifies the digital signature of the TR file of the financial institution Q by using the public key of the financial institution Q. If the verification fails, returning failure information and reporting; if the verification is successful, the operation is continued.
The process S3: and the monitoring system analyzes the transaction data of the TR file and sends all the analyzed transaction data to the IBC chain. The same operation as the process S2 and the process S3 is performed also when the TR file of the financial institution P is received.
The process S4: the IBC link receives the transaction data, stores the transaction data information into the IBC link and stores the transaction data information with the received timestamp as the standard; at this time, if the IBC chain receives the transaction data in the TR file from the financial institution Q (or P) first, the transaction data is written into the data block i (or j). The IBC chain establishes a user index while storing transaction data, firstly searches the information of the user B (or A) in the user index, and if the index information of the user B (or A) exists in the user index, updates the index information of the user B (or A) and records the operation of updating the index information on the IBC. And if the index information of the user B (or A) does not exist in the user index, sending a user information operation of requesting the user B (or A) to the BC chain, and after receiving the user information operation of requesting the user B (or A) of the IBC chain, sending the user information of the user B (or A) to the IBC chain by the BC chain. After receiving the user information of the user B (or A), the IBC chain establishes the index information of the user B (or A), records the operation of establishing the index information on the IBC chain, simultaneously sends the index information to the BC, and stores the index information into the user B (or A) after receiving the index information by the BC chain. The same is done for transaction data that is also received in the TR file of the financial institution P (or Q).
The process S5: and the supervision execution engine reads the transaction data of the user A and the user B in the IBC and compares whether the transaction data of the user A and the transaction data of the user B are consistent or not. If the transaction data are inconsistent, recording the comparison result in an IBC chain, returning failure information and reporting; if the verification is passed, recording the comparison result in the IBC chain, and continuing the following operation.
The process S6: the supervision execution engine reads the transaction data of the user A and the user B in the IBC chain, executes and judges whether the transactions of the user A and the user B are met according to supervision rules in a supervision rule base, and if yes, automatically generates a supervision report and records the inspection result in the IBC chain. If not, a supervision report is automatically generated, related supervision personnel or systems and transaction institutions are informed, financial institutions are informed to lock accounts of the transactions A and B in time to stop the transactions in time, and the inspection result is recorded in an IBC chain.
Claims (1)
1. A cross-border supervision reporting system based on traditional block chain is characterized by comprising the following components:
(1) the cross-border blockchain system only processes cross-border transactions and is used for storing all transaction information among financial institutions in different supervision institutions, and the transaction information is automatically uploaded to a transaction blockchain through a dynamic transaction recording technology; the cross-border block chain adopts a traditional or novel block chain system, and one or more cross-border block chains are used for storing all transaction information of cross-border transactions; the cross-border blockchain provides transaction queries and user queries by establishing user indexes; the accounts in the cross-border blockchain are a subset of the accounts in the two regulatory authorities to which they are connected; the cross-border block chain can process cross-border transaction records among a plurality of monitoring organizations, and encrypts transaction contents by using an encryption algorithm to prevent transaction information from being leaked; the cross-border blockchain may be a license chain, a federation chain, a private chain, or a public chain;
(2) the block chain system in the supervision institution is used for storing transaction information among financial institutions affiliated to the same supervision institution and is responsible for the interactive work with the cross-border block chain system; the block chain system in the supervision institution adopts a traditional or novel block chain, and one or more block chains are used for storing transaction information among financial institutions affiliated to the same supervision institution; the blockchain system in the supervision mechanism inquires account information and transaction information by establishing an account index, and stores all transaction information by taking the received time stamp as a reference; a blockchain system inside the supervision authority is responsible for the interworking with the cross-border blockchain system; the specific interactive work mode is as follows: when the cross-border blockchain system cannot search account information, the blockchain system in the supervision mechanism sends related account information to the cross-border blockchain system; when the cross-border blockchain system creates a user index, the cross-border blockchain system sends user index information to a blockchain system in the monitoring organization, and the blockchain system in the monitoring organization updates the user index information into related account index information after receiving the user index sent by the cross-border blockchain system; when transaction information is newly stored in the cross-border blockchain system, an updating request is sent to the blockchain system in the supervision institution, and the blockchain system in the supervision institution records the corresponding transaction information after receiving the request; the blockchain system inside the regulatory body may be a license chain, a federation chain, a private chain, or a public chain;
(3) the system comprises a regulation and regulation library, a monitoring and regulation library and a monitoring and regulation management library, wherein the regulation and regulation library is used for storing various regulation and regulation rules, the regulation and regulation rules are configurable or imported from an external regulation and regulation library, any regulation can be stored in the regulation and regulation library, and addition, modification, deletion and/or viewing operations of the regulation and regulation rules are allowed;
(4) the supervision execution engine is used for executing the supervision rules in the supervision rule base, reading the cross-border blockchain system and the transaction information in the blockchain of the blockchain system in the supervision organization for analysis, automatically generating a supervision report for the transaction meeting the supervision rules, and storing the generated supervision report in the blockchain system in the supervision organization; in cross-border supervision, the supervision execution engine can find transactions which do not conform to the supervision rules in the supervision rule base in time, report the transactions to a transaction financial institution to stop the transactions, and freeze related transaction accounts at the same time; the supervision execution engine is independent from the cross-border blockchain system and the blockchain system in the supervision mechanism, and the operation of the supervision execution engine and the cross-border blockchain system and the blockchain system in the supervision mechanism are not influenced; the supervision execution engine analyzes the records stored in the cross-border blockchain system, so that the leakage of transaction information and account information in a supervision mechanism is effectively avoided.
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| CN107239951A (en) * | 2017-06-07 | 2017-10-10 | 北京天德科技有限公司 | A kind of expansible Central Bank's digital cash method of commerce based on third generation block chain |
| CN107483198A (en) * | 2017-09-25 | 2017-12-15 | 中国科学院信息工程研究所 | A kind of block catenary system supervised and method |
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| CN107239951A (en) * | 2017-06-07 | 2017-10-10 | 北京天德科技有限公司 | A kind of expansible Central Bank's digital cash method of commerce based on third generation block chain |
| CN107483198A (en) * | 2017-09-25 | 2017-12-15 | 中国科学院信息工程研究所 | A kind of block catenary system supervised and method |
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