CN109636590A - Based on the logical method and apparatus for confirming existing P2P digital asset transfer of block chain - Google Patents

Based on the logical method and apparatus for confirming existing P2P digital asset transfer of block chain Download PDF

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Publication number
CN109636590A
CN109636590A CN201811568835.1A CN201811568835A CN109636590A CN 109636590 A CN109636590 A CN 109636590A CN 201811568835 A CN201811568835 A CN 201811568835A CN 109636590 A CN109636590 A CN 109636590A
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information
investor
logical card
block chain
loaning bill
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姚卓君
彭鹏
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Baibao (Shanghai) Technology Co.,Ltd.
Zhongan Information Technology Service Co Ltd
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Zhongan Information Technology Service Co Ltd
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Priority to CN201811568835.1A priority Critical patent/CN109636590A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The logical card processing method based on block chain that the invention discloses a kind of, comprising: loaning bill contract is disposed based on the loaning bill request from loaning bill side;Based on the examination & approval to request of borrowing money by result come so that loaning bill contract at least part information on block chain in publicity state;And to the common recognition of at least part information in participation block chain, it when at least part information passes through common recognition, calls and receives investment interface, so that loaning bill contract is in state of raising money, when at least part information does not pass through common recognition, the information for the failure that indicates to borrow money is generated.According to the technical solution of the present invention, it may be implemented P2P loan transaction leading to cardization, so that the compliance of business is constrained well.

Description

Based on the logical method and apparatus for confirming existing P2P digital asset transfer of block chain
Technical field
The invention belongs to block chain fields, more particularly to the method and dress of the digital asset transfer realized by block chain It sets.
Background technique
Block chain is that algorithm is known together using distributed node to generate and more new data, guarantee number in the way of cryptography According to the safety of transmission and access, the distributed account book that can not be distorted and can not forge is generated, the data network trusted each other is established.
Block chain technology combines point-to-point (Peer-To-Peer, P2P) network, Encryption Algorithm, common recognition algorithm, intelligence and closes The technologies such as about, provide a kind of network infrastructure of decentralization.Logical card (token) in block chain indicates negotiable and adds Close digital certificate.Many problems have occurred in current P2P net loan business, a large amount of platforms occur and close down, and operator is to pursue benefit Interests that are beneficial and having encroached on investor.
Therefore, a kind of method that can be constrained the compliance of net loan business is needed.
Summary of the invention
In view of the above-mentioned problems, the invention proposes a kind of based on the logical method for confirming existing P2P digital asset transfer of block chain With device.
One aspect of the present invention proposes a kind of logical card processing method based on block chain, comprising: based on from loaning bill side Request borrow money to dispose loaning bill contract;Based on the examination & approval to the request of borrowing money by result come so that the loaning bill contract At least part information is in publicity state on the block chain;It participates in the block chain at least part information Common recognition, when at least part information passes through common recognition, call receive investment interface so that the loaning bill contract is in State of raising money generates the information for the failure that indicates to borrow money when at least part information does not pass through common recognition.
Another aspect of the present invention proposes a kind of investment processing method based on the logical card of block chain, comprising: based on receiving Investment choice information determine investment agreement, then send payment notice to payment devices to carry out delivery operation, to make The first investor assets transfer to loaning bill side;Based on the delivery operation, create associated with the delivery operation logical Card, and the instruction information of information and current holder, which are updated operation, the update, to be indicated to the investor in the logical card Operation includes that the investor being indicated to, the instruction information update of information and current holder are the area with first investor Block chain account address is associated.
Another aspect of the present invention proposes a kind of logical card transfer processing method based on block chain, comprising: A. is based on coming from The sheet information of first investor, the state for changing logical card is state to be transferred the possession of;B. based on the sheet information and the second investment The demand information of side, distribution bring the transfer of the logical card together, so that the assets transfer of second investor is to described the One investor.
The invention also provides a kind of information processing units, comprising: processor;And memory, for storing instruction, When described instruction makes the processor execute method above-mentioned when being executed.
According to the technical solution of the present invention, it may be implemented P2P loan transaction leading to cardization, so as to promote P2P loan Safety so that the compliance of business is constrained well.
Detailed description of the invention
It is shown with reference to attached drawing and illustrates embodiment.These attached drawings for illustrating basic principle, thus illustrate only for Understand the necessary aspect of basic principle.These attached drawings are not in proportion.In the accompanying drawings, identical appended drawing reference indicates similar Feature.
Fig. 1 is logical card business processing flow figure according to an embodiment of the present invention;
Fig. 2 is the loaning bill flow diagram based on block chain according to an embodiment of the present invention;
Fig. 3 is the investment flow diagram based on block chain according to an embodiment of the present invention;
Fig. 4 is the logical card transfer flow chart based on block chain according to an embodiment of the present invention;
Fig. 5 is the schematic diagram of information processing unit according to an embodiment of the present invention.
Specific embodiment
In the following detailed description of the preferred embodiment, reference is constituted to the appended attached drawing of present invention a part.Institute Attached attached drawing, which has been illustrated by way of example, can be realized specific embodiment.Exemplary embodiment is not intended to Exhaustive all embodiments according to the present invention.It is appreciated that without departing from the scope of the present invention, can use other Embodiment can also carry out the modification of structure or logic.Therefore, it is below specific descriptions and it is unrestricted, and this The range of invention is defined by the claims appended hereto.
Technology, method and apparatus known to person of ordinary skill in the relevant may be not discussed in detail, but suitable In the case of, the technology, method and apparatus should be considered as part of specification.
Inventor has found that traditional P2P net borrow business procedure in, debt-credit, investment, examination & approval etc. processes all with Structural data is stored in the system of platform side, and process and result are for investor and monitoring party and opaque.Either Equity is transferred the possession of in air control, examination & approval when loaning bill, the endorsement of Mortgage assets, or investment, is all in the closed black box in platform side It completes, user and supervision can only see result data, can not distinguish the true and false.
In view of the above-mentioned problems, the present invention proposes to both correspond to every a lending and borrowing business into the tool for meeting " open assets agreement " Body intelligence contract.Here, " open assets agreement " is a kind of interface standard based on block chain intelligence contract, passes through code interface Formal definition realize the necessary behavior of " open assets agreement ", including obtain the function such as logical card, logical card ownership transfer, destruction Can, to realize outer logical card of the assets on block chain of block chain.It converts the loan contract of borrower on block chain and accords with The intelligent contract of " open assets agreement " is closed, user can obtain logical card corresponding with the intelligence contract, by leading to when investing Card is to represent user to the ownership of this bond, and the information such as the amount of money, time limit invested by logical card carrying.Investor holds logical Logical card can be transferred the possession of after card.Since information is by logical card polymerization, can not be distorted based on block chain, the characteristics such as real-time broadcast, All process and result make for supervision can real-time monitoring, transparent procedures.
Firstly, specific participant to net loan business and comprising function be defined as follows:
(1) investor: lending loaning bill side for fund on platform, obtains capital and certain interest at the specified time point;
(2) loaning bill side: issuing loan application in platform, can be at least part or all investment users after being examined It obtains and borrows money, and refund in fixed time limit, and pay certain interest;
(3) examination & approval side: it is responsible for auditing the loan application that loaning bill side is submitted.
It should be understood that investor may include multiple investment users.In addition, for ease of description, the following examples Examination & approval side is divided into " the first approver " and " the second approver " two roles with different rights, is carried out by the first approver The second approver is transferred to check and approve after first examination & approval.
Secondly, needing to define the opening assets agreement of standard, which includes multiple intelligent contract-defined interfaces, passes through interface Form define the correlation function of loan, comprising:
(1) it contract construction interface constructor (): calls, contract is initialized, and set in contract creation The information needed when loan application is submitted;
(2) first examination & approval interface preliminaryApprove (): if loan application transfers to second by the first examination & approval Approver examines, and this method is executed by the first approver;
(3) second examination & approval interface formalApprove (): if loan application passes through designated length by the second examination & approval Public notification period after, can start to raise loaning bill fund, this method is executed by the second approver;
(4) start to receive investment interface beginInvestment (): after loan application is by examination & approval and reaching public notification period Defined to call afterwards often, expression project can formally start to receive investment, and this method is executed by the second approver;
(5) investor invests interface invest (): investor by capital investment to borrowed money account, held by investor by this method Row;
(6) interface transfer (uint256tokenID, address to) is transferred the possession of: the logical card transfer that investor will hold To other users;
(7) first query interface listTokens (): all logical card lists invested under the debt-credit project are inquired;
(8) second query interface findToken (): the logical card information of the single debt-credit of inquiry;
(9) it shows interface detailInfo (): showing all information of project, with the return of JSON character string forms.
Based on above-mentioned interface, each can be realized corresponding industry for the service request of logical card by corresponding interface Business.For example, loaning bill side creates contract, letter required for addition loan application via contract construction interface constructor () Breath, and then contract is deployed on block chain.The first approver in examination & approval side passes through the first examination & approval interface PreliminaryApprove () to carry out the first examination & approval to the information of loaning bill side;Then, by the second approver in examination & approval side The second examination & approval are carried out by the second examination & approval interface formalApprove () come the information to loaning bill side.When loan application passes through the After two examine and meet the publicity of designated length, the second approver, which calls, starts to receive investment interface beginInvestment (), to indicate that project corresponding with the loan application can formally start to receive investment.Investor can be by transferring the possession of interface The logical card held is transferred other users by transfer ().User equipment can show interface detailInfo by calling () obtains the relevant information of project.
Fig. 1 is logical card business processing flow figure according to an embodiment of the present invention.
Step S101: deployment loaning bill contract, and the loaning bill contract that audit is passed through carries out publicity
In this step, node device receives the loaning bill request from user equipment, then disposes loaning bill contract, and will examine The loaning bill contract that core passes through carries out publicity.
Step S102: can investment project list by being added to by the loaning bill contract of publicity.
In this step, node device is according to publicity as a result, to determine whether the loaning bill contract is effective;If passing through public affairs Show, then start to receive investment interface beginInvestment () by calling, so that using the loaning bill contract as can invest Project.In one embodiment, the loaning bill contract be also added into can investment project list, for investor selection.
Step S103: based on the items selection information from user equipment, investment agreement is determined.
In this step, node device is based on the items selection information received from user equipment, to determine corresponding throwing Provide agreement.
Step S104: the logical card of creation, and the investor of logical card and the instruction information of holder is associated with investor.
In this step, it is based on investment agreement, to create logical card corresponding with this investment, and this is led to the investment of card Side's instruction information and the instruction information of holder are revised as current investor.It should be understood that a project can correspond to More investments, every investment both correspond to respective logical card.
Step S105: being based on investor's sheet information, and changing logical card state is state to be transferred the possession of.
After the logical card of node device is by investor's sheet, the state of the logical card will be changed to state to be transferred the possession of, for new Investor purchase.It should be understood that node device will be participated in the common recognition of the operation of logical card state in block chain, it will with determination Whether logical card state is changed to state to be transferred the possession of effective.
Step S106: distribution is brought logical card together and is transferred the possession of, and updates logical card holder.
When node device receives the purchasing demand information from new investment side, distribution is brought together logical card transaction, from And make the transparent procedures of logical card transaction, rather than only determined by trade center.After logical card, which is traded, successfully brings together, node The logical card holder of end equipment update indicates that investor's account that information is the i.e. logical card in new investment side and current holder indicate information It is set as the block chain account address of new investment side.
It is illustrated so that loaning bill, investment and logical card are transferred the possession of as an example separately below.
Fig. 2 is the loaning bill flow diagram based on block chain according to an embodiment of the present invention.
User creates loaning bill contract (step S201) by contract construction interface constructor (), wherein the loaning bill It include information relevant to user's loan application in contract.Then, user equipment is set by initiating loaning bill transaction in node side Standby place's deployment loaning bill contract (step S202).It is borrowed it should be understood that will also dispose this at other node end equipments in block chain Money contract.When loaning bill contract deployment success on block chain, node end equipment passes through calling interface event approval () Examination & approval event is triggered, so that examination & approval equipment carries out the first examination & approval processing (step S203).Interface event approval () Can be used for the Notification of Changes of approval status, for example, can transmit whether by examination & approval information, examination & approval stage information, Approver address.
First examination & approval are handled, equipment is examined with the role of " the first approver " and examines the finger in the loaning bill contract Determine information (step S204).After equipment is examined by first examination & approval processing, approver's information setting of the first examination & approval is first The block chain account address of approver, and the second examination & approval interface formalApprove () is called to request to carry out to the loaning bill Second instance batch processing (step S205).
Interface is constructed for contract, contract is deployed in block chain by loaning bill side, indicates to submit loan application.This application can With include the current block chain account address (msg.sender) for submitting loan application, aggregate level of borrowing, the life of loan, Annual Percentage Rate, The hash of loan application information.With 100,000,1 year time limit, interest rate 8% of borrowing money, then the construction interface can be expressed as Constructor (msg.sender, 100000,365,80, " hash of loan application information ").
When the second examination & approval do not pass through, examination & approval equipment returns to the result (step that examination & approval of borrowing money fail to user equipment S206b);When the second examination & approval pass through, examination & approval equipment notice node end equipment loaning bill is examined successfully, so that the loaning bill contract is extremely Few a part of information enters public notification period, i.e., the partial information is by publicity.After through the second examination & approval, approver's letter of the second examination & approval Breath is set as the block chain account address of the second approver.
It will be to being proposed that by least one node end equipment, loaning bill contract is relevant asks to this in public notification period, block chain Topic is known together (step S207).If the result of common recognition indicates that problem exists, publicity is returned to user equipment and examination & approval equipment The information (step S208b) of failure;If the result of common recognition indicates that problem is not present, loaning bill contract is made to enter state of raising money (step S208a).
Fig. 3 is the investment flow diagram based on block chain according to an embodiment of the present invention.
User equipment calls investment interface invest (), to obtain logical card corresponding with contract of borrowing money, as equity with Card.
Specifically, user equipment sends investment choice information to node end equipment, to determine the project to be invested (step Rapid S301), i.e. the loaning bill contract to borrow money of determination.Investment agreement (step S302) is signed at node end equipment;Wait throw After the completion of providing agreement signing, notice payment devices carry out delivery operation (step S303).Payment devices are to loaning bill side's payment amount After (step S304), the logical card of node end equipment creation, and set the investor of logical card and the instruction information of current holder to The block chain account address (step S305) of investor A is attributed to investor A with indicate the logical card.In step S306, section Point end equipment will participate in block chain to the common recognition of the operating result of logical card.It should be understood that the operating result can correspond to The operation of logical card investor is set.If common recognition failure, the information (step S307a) taken a bath is returned to user equipment; If known together successfully, the information for indicating successfully to obtain investment is generated, and according to current investment amount and the loaning bill contract Investment amount determines whether calling interface event investment ().The interface receives a new investment for notifying, And it can recorde the transfer history of fund, for example, funds source information.
If " investment amount+the predetermined total amount of investment amount=investment ", adjusted iterm state is " to complete all raises Money ", to no longer receive new investment.
Transferring the possession of logical card/equity indicates that the logical card for obtaining customer investment transfers other investment in capital account, subsequent interest with All capitals will transfer and be transferred account.Fig. 4 is the logical card transfer process based on block chain according to an embodiment of the present invention Figure.
Firstly, investor A sends the sheet information (step of logical card to be transferred the possession of by user equipment to node device S401), to transfer the possession of the logical card of assets by intelligent contract sheet.In response to the sheet information, node device believes the state of logical card Breath is revised as state (step S402) to be transferred the possession of.It should be understood that node device will participate in block chain to the behaviour of logical card state The common recognition of work thens follow the steps S403 after common recognition passes through.
When node device receives the demand information of investor B, logical card transaction (step S403) will be brought together in a distributed manner, So that the transparent procedures of logical card transaction, rather than only determined by trade center.After logical card, which is traded, successfully brings together, section Point device generates logical card assignment of contract (step S404), to indicate that there are investment agreements between investor A and investor B.Node Equipment also sends payment notice (step S405) to payment devices, to notify payment devices to investor's A payment amount (step S406).Payment devices send to node end equipment and pay successful notification information (step S407), so that node end equipment is more New logical card holder is investor B (step S408), i.e., the investor of logical card indicates that information is set as investing with current holder The block chain account address of square B (expression is attributed to current investor).In step S409, node end equipment will participate in block chain In know together to the operating result of logical card.If common recognition failure, returns to the information (step S410a) for transferring the possession of failure;If common recognition Success, then generating indicates that the information (step S410b) for successfully transferring the possession of logical card for example calls specified event, to notify successfully to obtain Take an investment.
In one embodiment, before user equipment sends sheet information, it can also judge to call and transfer the possession of interface Whether the account of transfer () is that the current of the logical card holds account.
Fig. 5 is the schematic diagram of information processing unit according to an embodiment of the present invention.
Information processing unit 500 includes processor 510 and memory 520, wherein the memory 520 is used to store to refer to It enables.When the instruction when being executed, enable to processor 510 to execute method as the aforementioned, for example, borrow money, investment, transfer the possession of side Method, details are not described herein.
The process of above-mentioned dispositions method also represents machine readable instructions, which includes being executed by processor Program.The programming instruction is stored in visible computer readable medium, such as hard disk, flash memory, read-only memory (ROM), CD (CD), digital versatile disc (DVD), Cache, random access storage device (RAM) and/or any other storage medium, On the storage medium information can store any time (for example, for a long time, for good and all, of short duration situation is interim to buffer, and/or The caching of information).As used herein, the term visible computer readable medium is expressly defined to include any type of meter The information of calculation machine readable storage.Additionally or alternatively, using in coded command (such as computer-readable instruction) realization Fig. 2,3 Instantiation procedure, which is stored in non-transitory computer-readable medium, can store and appoints in the storage-medium information It anticipates the time.It should be understood that the computer-readable instruction can also be stored in network server, on the platform of cloud, in order to User uses.
In addition, although operation is depicted with particular order, this simultaneously should not be construed and require this generic operation to show Particular order is completed with sequential order, or executes the operation of all diagrams to obtain expected result.In some cases, more Task or parallel processing can be beneficial.Similarly, although discussed above contain certain specific implementation details, this is not It should be interpreted that any invention of limitation or the scope of the claims, and should be interpreted that the specific embodiment that can be directed to specific invention Description.Certain features described in the context of separated embodiment can also be with combined implementation single real in this specification It applies in example.Conversely, the various features described in the context of single embodiment can also discretely multiple embodiments or Implement in any appropriate sub-portfolio.

Claims (12)

1. a kind of logical card processing method based on block chain, comprising:
Loaning bill contract is disposed based on the loaning bill solicited message from loaning bill side;
Based on to it is described borrow money request examination & approval by result come so that at least part information of the loaning bill contract is in institute It states on block chain in publicity state;And
It participates in the block chain to the common recognition of at least part information,
When at least part information passes through common recognition, calls and receive investment interface, raised so that the loaning bill contract is in Money state,
When at least part information does not pass through common recognition, the information for the failure that indicates to borrow money is generated.
2. the method as described in claim 1, further includes:
Examination & approval notice is sent to examination & approval equipment by calling examination & approval interface, so that the examination & approval equipment is to the loaning bill contract It is examined at least once.
3. the method as described in claim 1 further includes,
Investment agreement is determined based on the investment choice information received, then sends payment notice to payment devices to be propped up Operation is paid, so that the assets transfer of the first investor is to loaning bill side.
4. method as claimed in claim 3, wherein
Based on the delivery operation, logical card associated with the delivery operation is created, and the investor in the logical card is referred to Show that the instruction information of information and current holder are set as the block chain account address of first investor.
5. method as claimed in claim 4, further includes:
Based on the sheet information from first investor, state to be transferred the possession of is set by the state of the logical card;And
Based on the demand information of the sheet information and the second investor, the transfer of the logical card is brought together in a distributed manner, so that The assets transfer of second investor is to first investor.
6. method as claimed in claim 5, further includes: the instruction information for updating the current holder of the logical card is described the Two investors.
7. a kind of investment processing method based on the logical card of block chain, comprising:
Investment agreement is determined based on the investment choice information received, then sends payment notice to payment devices to be propped up Operation is paid, so that the assets transfer of the first investor is to loaning bill side;
Based on the delivery operation, logical card associated with the delivery operation is created, and the investor in the logical card is referred to Show that the instruction information of information and current holder are updated operation, the update operation includes that the investor is indicated information It is associated with the block chain account address of first investor with the instruction information update of current holder.
8. the method for claim 7, further includes:
It participates in the block chain to the common recognition of the update operation of the logical card;
When update operation does not pass through common recognition, the information for indicating to take a bath is generated;
When update operation passes through common recognition, generating indicates to have obtained the information of investment, and based on current investment amount with The investment amount of loaning bill contract invests interface to determine whether to call, to continue to new investment.
9. method according to claim 8, further includes:
When the investment that the investment amount of the current investment amount and the loaning bill contract is equal to the loaning bill contract is predetermined total When amount, then the state of the loaning bill contract is set as completing to raise funds, and then no longer receive other investments.
10. a kind of logical card based on block chain transfers the possession of processing method, comprising:
A. based on the sheet information from the first investor, the state for changing logical card is state to be transferred the possession of;
B. the demand information based on the sheet information and the second investor, distribution bring the transfer of the logical card together, so that The assets transfer of second investor is to first investor.
11. method as claimed in claim 10, further includes: participate in the implementing result in block chain to step A and/or step B Common recognition.
12. a kind of information processing unit, comprising:
Processor;And
Memory, for storing instruction, when described instruction makes the processor execute such as claim 1 to 11 when being executed Any one of described in method.
CN201811568835.1A 2018-12-21 2018-12-21 Based on the logical method and apparatus for confirming existing P2P digital asset transfer of block chain Pending CN109636590A (en)

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CN110609846A (en) * 2019-09-19 2019-12-24 腾讯科技(深圳)有限公司 Block chain-based performance insurance processing method and device and computer equipment
CN110609846B (en) * 2019-09-19 2024-04-26 腾讯科技(深圳)有限公司 Method and device for processing performance warranty based on block chain and computer equipment
CN112910989A (en) * 2021-01-28 2021-06-04 浙江网商银行股份有限公司 Data processing system, method and device based on block chain
CN112910989B (en) * 2021-01-28 2022-09-02 浙江网商银行股份有限公司 Data processing system, method and device based on block chain
CN112950117A (en) * 2021-03-05 2021-06-11 杭州复杂美科技有限公司 Transaction method, computer device and storage medium
CN112950117B (en) * 2021-03-05 2022-07-15 杭州复杂美科技有限公司 Transaction method, computer device and storage medium

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