CN110046828B - Intelligent account division protocol system based on block chain - Google Patents

Intelligent account division protocol system based on block chain Download PDF

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CN110046828B
CN110046828B CN201910330888.8A CN201910330888A CN110046828B CN 110046828 B CN110046828 B CN 110046828B CN 201910330888 A CN201910330888 A CN 201910330888A CN 110046828 B CN110046828 B CN 110046828B
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CN110046828A (en
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林乐
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Neng Lian Tech Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
    • G06Q10/063Operations research or analysis
    • G06Q10/0639Performance analysis
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention relates to an intelligent accounting protocol system based on a block chain, which comprises a service data system, a distributed shared account book system, a payment module and a service participation device, wherein the service data system comprises a plurality of service data units; the system comprises a business data system, a distributed shared account book system and a payment module. The invention realizes the intelligent accounting protocol among multiple parties based on the intelligent contract technology of the block chain, improves the multi-party benefit and participates in the benefit sharing; meanwhile, by utilizing the characteristic that the block chain can not be tampered, the trust problem in the asset transaction process is solved, the transaction risk is reduced, and the transaction efficiency is greatly improved.

Description

Intelligent account division protocol system based on block chain
Technical Field
The invention relates to an intelligent accounting protocol system based on a block chain, in particular to an intelligent accounting protocol system of an intelligent contract.
Background
For the business model of heavy assets, how to promote multi-party income and control risks through reasonable hardware is an important ring of the business model. In the traditional asset transaction, the benefits of investors, asset users, asset construction and operators are distributed unevenly, the profits of all the parties cannot be balanced, and the participation of all the parties in asset operation cannot be guaranteed, so that the investors, the asset construction and the operators have large investment risks, the asset users cause great payment pressure, and the service progress efficiency is low.
Disclosure of Invention
The present invention provides an intelligent partition protocol system based on a blockchain, which solves or partially solves the above problems.
In order to achieve the effect of the technical scheme, the technical scheme of the invention is as follows: an intelligent accounting protocol system based on a block chain comprises a business data system, a distributed shared account book system, a payment module and a business participation device;
the system comprises a business data system, a distributed shared account book system, a payment module and business participation devices, wherein the business data system, the distributed shared account book system, the payment module and the business participation devices can mutually perform data transmission; the service data system comprises a service operation data module and a service bill data module; the distributed shared account book system comprises a data transmission module, an intelligent account book contract module and a data storage module; the business participation device comprises a data query module, a message reminding module and a contract customization module;
the business operation data module is used for updating the business operation progress information in real time and transmitting the business operation progress information to the data transmission module of the distributed shared account book system in real time; the business bill data module updates the payment information from the payment module and transmits the payment condition to the data storage module of the distributed shared account book system in real time;
the data transmission module receives service operation progress information and payment information of the service bill data module from the service operation data module, and an account division protocol model customized by a contract customization module of the service participation device; meanwhile, the account distribution protocol model, the service operation progress information and the payment information are transmitted to a service participation device; the intelligent account-sharing contract module is made by a contract customization module of the service participation device and is an account-sharing protocol model commonly approved by the service participation device; the data storage module records all information from a data transmission module of the distributed shared account book system and information of the intelligent accounting contract module on a block chain by utilizing a Hash algorithm, and the information cannot be tampered; the data storage module can also carry out operation according to the historical service information of all the service participation devices to obtain the credit evaluation of the service participation devices, and the credit evaluation is recorded on the block chain by utilizing a Hash algorithm and cannot be tampered; the information stored by the data storage module comprises an account distribution protocol model, service operation progress information, payment information and credit evaluation of all service participation devices;
the payment module receives a transfer instruction sent by an intelligent separate account contract module of the distributed shared account book system, and transfers accounts; the specific payment account is determined when the contract customization module customizes the accounting protocol model; meanwhile, the payment module transmits payment information to the business bill data module;
the service participation device is provided with a human-computer interaction interface, and different service participation devices can mutually transmit data;
the business participation device comprises a data query module, a message reminding module and a contract customization module; the data query module receives information from a data transmission module of the distributed shared account book system and queries service information; the message reminding system is used for reminding the holder of the business participation device of the business progress condition and message reminding when the account splitting protocol model is formulated in the contract customizing module; the contract customization module is used for customizing the account splitting protocol model, all the service participation devices edit and determine the contract customization module together, and the account splitting protocol model determined by the service participation devices together is transmitted to the data transmission module of the distributed shared account book system;
one or more service participation devices, which can transmit data through wireless communication technology; before a specific service is initiated, the service participation device can query the credit evaluation of a service participation account by using a data query module; a contract customization module of a business participation device preliminarily draws up an account division protocol model and transmits the account division protocol model to the business participation device contained in the business; the message reminding system of the business participation device can receive and send the specific information of the account division protocol model, the contract customization module of the business participation device edits and modifies the received account division protocol model, and the edited and modified dynamic state can be transmitted to the message reminding modules of other business participation devices in real time; when all the service participation devices have no objection to the accounting protocol model, the accounting protocol model can be determined through contract customization modules of the service participation devices; when one or more service participation devices determine the account division protocol model, the account division protocol model takes effect, the account division protocol model is transmitted to an intelligent account division contract module of the distributed shared account book system, and the intelligent account division contract module of the distributed shared account book system is recorded on a block chain by a data storage module of the distributed shared account book system through a Hash algorithm and cannot be tampered;
after the account division protocol model takes effect, a business operation data module of the business data system is used for updating business operation progress information; a service bill data module of the service data system updates payment information from the payment module; the business operation progress information and the payment information are transmitted to a data transmission module of the distributed shared account book system; the intelligent account-distributing contract module is used for judging whether account transferring operation and account transferring amount are carried out or not according to data from the service data system; the data of the service data system comprises service operation progress information at a payment time point appointed by the determined branch account agreement model, the intelligent branch account contract module sends a transfer instruction to the payment module according to a payment account and a collection account set in the determined branch account agreement model, and the transfer amount is the amount preset in the branch account agreement model; after the payment module finishes transferring accounts, transferring account information to a business bill data module of a business data system, wherein the business bill data module transmits the transferring account information to a data transmission module of a distributed shared account system and records the transferring account information on a block chain through a data storage module; if the intelligent branch account contract module sends an instruction to the payment module, when the payment module cannot transfer accounts successfully due to insufficient balance of a payment account, the information of transfer failure is transmitted to a business bill data module of a business data system, and the business bill data module transmits the information of transfer to a data transmission module of a distributed shared account book system and records the information on a block chain through a data storage module; meanwhile, the data storage module updates the credit rating of the asset user in the service participation account by using the formula (1):
in the formula, T represents the credit evaluation score of the business participation account, is a positive real number, and has a value range of more than 0 and less than or equal to 1; n is the total times of the service participation account as the asset use account in the participated service, and n is a positive integer; m is the total number of the services of the business participation account which is used as the asset use account in the participated business, and the account transfer failure caused by insufficient balance of the payment account exists in the business process, m is less than or equal to n, and m is a natural number; i is a service participation account which is used as an asset use account in the participated service, and a service sequence of account transfer failure caused by insufficient balance of a payment account exists in the service process, i is less than or equal to m, and i is a natural number; xi is the proportion of the transfer failed amount in the ith transaction caused by insufficient balance of the payment account in all preset amounts of the transaction, xi is more than 0 and less than 1, and xi is a real number; the closer the credit rating score of the business participation account is to 1, the lower the level of loss of credit when the account is used as an asset on behalf of the business participation account, the higher the credit rating.
The invention has the beneficial effects that: the invention realizes the intelligent accounting protocol among multiple parties based on the intelligent contract technology of the block chain, improves the multi-party benefit and participates in the benefit sharing; meanwhile, by utilizing the characteristic that the block chain can not be tampered, the trust problem in the asset transaction process is solved, the transaction risk is reduced, and the transaction efficiency is greatly improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the embodiments of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principles of the invention. In the drawings:
fig. 1 is a structural framework diagram of an intelligent accounting protocol system based on a block chain.
Detailed Description
In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention more apparent, the present invention is described in detail below with reference to the embodiments. It should be noted that the specific embodiments described herein are only for illustrating the present invention and are not to be construed as limiting the present invention, and products that can achieve the same functions are included in the scope of the present invention.
Example one
An intelligent accounting protocol system based on a block chain comprises a business data system, a distributed shared account book system, a payment module and a business participation device;
the system comprises a business data system, a distributed shared account book system, a payment module and business participation devices, wherein the business data system, the distributed shared account book system, the payment module and the business participation devices can mutually perform data transmission; the service data system comprises a service operation data module and a service bill data module; the distributed shared account book system comprises a data transmission module, an intelligent account book contract module and a data storage module; the business participation device comprises a data query module, a message reminding module and a contract customization module;
the business operation data module is used for updating the business operation progress information in real time and transmitting the business operation progress information to the data transmission module of the distributed shared account book system in real time; the business bill data module updates the payment information from the payment module and transmits the payment condition to the data storage module of the distributed shared account book system in real time;
the data transmission module receives service operation progress information from the service operation data module, payment information of the service bill data module and a separate accounting protocol model customized by a contract customization module of the service participation device; meanwhile, the account distribution protocol model, the service operation progress information and the payment information are transmitted to a service participation device of the service participation device; the intelligent account-sharing contract module is made by a contract customization module of the service participation device and is an account-sharing protocol model commonly approved by the service participation device; the data storage module records all information from a data transmission module of the distributed shared account book system and information of the intelligent accounting contract module on a block chain by utilizing a Hash algorithm, and the information cannot be tampered; the data storage module can also carry out operation according to the historical service information of all the service participation devices to obtain the credit evaluation of the service participation devices, and the credit evaluation is recorded on the block chain by utilizing a Hash algorithm and cannot be tampered; the information stored by the data storage module comprises an account distribution protocol model, service operation progress information, payment information and credit evaluation of all service participation devices;
the payment module receives a transfer instruction sent by an intelligent separate account contract module of the distributed shared account book system, and transfers accounts; the specific payment account is determined when the contract customization module customizes the accounting protocol model; meanwhile, the payment module transmits payment information to the business bill data module;
the business participation device is held by the business participation device, has a human-computer interaction interface, and different business participation devices can mutually transmit data; the business participation device comprises a data query module, a message reminding module and a contract customization module; the data query module receives information from a data transmission module of the distributed shared account book system and queries service information; the message reminding system is used for reminding the holder of the business participation device of the business progress condition and message reminding when the account splitting protocol model is formulated in the contract customizing module; the contract customization module is used for customizing the account splitting protocol model, all the service participation devices edit and determine the contract customization module together, and the account splitting protocol model determined by the service participation devices together is transmitted to the data transmission module of the distributed shared account book system;
an intelligent accounting protocol system based on a block chain comprises the following steps:
s1, service initiation
The investor, the asset construction and operation party, the block chain technology provider and the asset user all belong to business participation devices, each business participation device is provided with one business participation device, and data can be transmitted through a wireless communication technology; before service initiation, all service participation devices can query credit evaluation of a service participation account by using a data query module of the service participation device, wherein the credit evaluation is about the integrity of all service participation devices in the service as an asset user, and if the credit evaluation of the asset user in the service to be initiated is low, whether the service is initiated or not needs to be considered; as shown in fig. 1, the asset user initially develops a billing agreement model using the contract customization module of the affiliated business participation device, the model specifying that the asset user pays the use amount of the quarter for the first week of each quarter when using the asset, 80% of the amount will be transferred to the investor, 15% of the amount will be transferred to the asset construction and operator, and 5% of the asset will be transferred to the blockchain technology provider; meanwhile, the asset user sets a bank account for payment in the ledger protocol model; investors, asset construction and operation parties and blockchain technology providers contained in the business receive specific information of the billing protocol model through message reminding systems of the business participation devices respectively held by the investors, the asset construction and operation parties and the blockchain technology providers, and edit and modify the received billing protocol model through contract customization modules of the business participation devices respectively held by the investors, the asset construction and operation parties and the blockchain technology providers; the investor, the asset construction and operation party and the block chain technology provider set a bank account for collection in the credit and debit protocol model respectively; the dynamic state of editing and modification is transmitted to a message reminding module of a service participation device held by other service participation devices in real time;
when all the service participation devices have no objection to the accounting protocol model, the accounting protocol model can be determined through contract customization modules of the service participation devices; if and only if all business participation devices determine the account division protocol model, the model takes effect, the account division protocol model is transmitted to an intelligent account division contract module of the distributed shared account book system, and is recorded on a block chain by a data storage module of the distributed shared account book system by using a Hash algorithm, so that the model cannot be tampered;
s2, account splitting process
After the account division protocol model takes effect, a business operation data module of the business data system is used for business operation progress information; the specific start time of the business and the use condition can be transmitted to a data transmission module of the distributed shared account book system in real time; the service bill data module of the service data system updates the payment information from the payment module and transmits the payment information to the data transmission module of the distributed shared account book system; the intelligent account-distributing contract module judges whether to carry out account transfer operation and account transfer amount according to data from the service data system; if the service operation progress information is at the payment time point appointed by the determined branch account agreement model, the intelligent branch account contract module sends a transfer instruction according to the payment account and the collection account set in the determined branch account agreement model, wherein the transfer amount is the amount preset in the branch account agreement model; after the payment module finishes transferring accounts, the transferring information is transmitted to a business bill data module of a business data system, and the business bill data module transmits the transferring information to a data transmission module of a distributed shared account book system and records the transferring information on a block chain through a data storage module; if the intelligent branch account contract module sends an instruction to the payment module, when the payment module cannot transfer accounts successfully due to insufficient balance of a payment account, the information of account transfer failure is transmitted to a business bill data module of a business data system, and the business bill data module transmits the transfer information to a data transmission module of a distributed shared account book system and records the transfer information on a block chain through a data storage module; meanwhile, the data storage module updates the credit rating of the asset user in the service participation account by using the formula (1):
in the formula, T represents the credit evaluation score of the business participation account, is a positive real number, and has a value range of more than 0 and less than or equal to 1; n is the total times of the service participation account as the asset use account in the participated service, and n is a positive integer; m isThe account participating in the business is used as an asset using account in the participated business, and the total times of the business of account transfer failure caused by insufficient balance of a payment account exist in the business process, m is less than or equal to n, and m is a natural number; i is a service participation account which is used as an asset use account in the participated service, and a service sequence of account transfer failure caused by insufficient balance of a payment account exists in the service process, i is less than or equal to m, and i is a natural number; x is the number ofiIn the ith transaction for account transfer failure caused by insufficient balance of payment account, the ratio of the failed account transfer amount to all preset account amounts of the transaction is 0 < xi<1,xiIs a real number; the closer the credit rating score of the business participation account is to 1, the lower the level of loss of credit when the account is used as an asset on behalf of the business participation account, the higher the credit rating.
The invention has the beneficial effects that: the invention realizes the intelligent accounting protocol among multiple parties based on the intelligent contract technology of the block chain, improves the multi-party benefit and participates in the benefit sharing; meanwhile, by utilizing the characteristic that the block chain can not be tampered, the trust problem in the asset transaction process is solved, the transaction risk is reduced, and the transaction efficiency is greatly improved.

Claims (1)

1. An intelligent accounting protocol system based on a block chain is characterized by comprising a business data system, a distributed shared account book system, a payment module and a business participation device;
the business data system, the distributed shared account book system, the payment module and the business participation device can mutually transmit data; the business data system comprises a business operation data module and a business bill data module; the distributed shared account book system comprises a data transmission module, an intelligent account book contract module and a data storage module; the business participation device comprises a data query module, a message reminding module and a contract customization module;
the business operation data module is used for updating business operation progress information in real time and transmitting the business operation progress information to the data transmission module of the distributed shared account book system in real time; the business bill data module updates payment information from the payment module and transmits the payment condition to the data storage module of the distributed shared account book system in real time;
the data transmission module receives service operation progress information from the service operation data module, payment information from the service bill data module and a separate accounting protocol model customized by the contract customization module of the service participation device; meanwhile, the account distribution protocol model, the service operation progress information and the payment information are transmitted to the service participation device; the intelligent account-sharing contract module is formulated by the contract customization module of the service participation device and is an account-sharing protocol model commonly approved by the service participation device; the data storage module records all information from the data transmission module of the distributed shared account book system and information of the intelligent accounting contract module on a block chain by utilizing a hash algorithm, and the information cannot be tampered; the data storage module can also carry out operation according to historical service information of all the service participation devices to obtain credit evaluation of the service participation devices, and the credit evaluation is recorded on the block chain by utilizing a hash algorithm and cannot be tampered; the information stored by the data storage module comprises an account distribution protocol model, service operation progress information, payment information and credit evaluation of all service participation devices;
the payment module receives a transfer instruction sent by the intelligent separate account contract module of the distributed shared account book system, and transfers account; the specific payment account is determined when the contract customization module customizes the accounting protocol model; meanwhile, the payment module transmits payment information to the business bill data module;
the service participation device is provided with a human-computer interaction interface, and different service participation devices can mutually transmit data;
the business participation device comprises a data query module, a message reminding module and a contract customization module; the data query module receives information from the data transmission module of the distributed shared account book system and queries service information; the message reminding system is used for reminding the holder of the business participation device of the business progress condition and the message reminding when the account splitting protocol model is formulated in the contract customizing module; the contract customization module is used for customizing a split-account protocol model, all business participating devices edit and determine the split-account protocol model jointly, and the split-account protocol model jointly determined by the business participating devices is transmitted to the data transmission module of the distributed shared account book system;
one or more of the service participation devices can transmit data through a wireless communication technology; before a specific service is initiated, the service participation device can query credit evaluation of a service participation account by using the data query module; the contract customization module of the service participation device preliminarily draws up an account-sharing protocol model and transmits the account-sharing protocol model to the service participation device contained in the service; the message reminding system of the service participation device can receive and send specific information of the ledger protocol model, the contract customization module of the service participation device edits and modifies the received ledger protocol model, and the dynamic state of editing and modification can be transmitted to the message reminding modules of other service participation devices in real time; when all the business participating devices have no objection to the accounting protocol model, the accounting protocol model can be determined through the contract customizing modules of the business participating devices which are respectively held; if and only if one or more business participation devices determine an account splitting protocol model, the account splitting protocol model takes effect, the account splitting protocol model is transmitted to the intelligent account splitting contract module of the distributed shared account book system and is recorded on a block chain by the data storage module of the distributed shared account book system by using a hash algorithm, and the block chain cannot be tampered;
after the account-sharing protocol model takes effect, the business operation data module of the business data system is used for updating business operation progress information; the business bill data module of the business data system updates payment information from the payment module; the business operation progress information and the payment information are transmitted to the data transmission module of the distributed shared account book system; the intelligent account-distributing contract module is used for judging whether account transferring operation and account transferring amount are carried out or not according to the data from the service data system; the data of the service data system comprises service operation progress information at a payment time point appointed by the determined branch account agreement model, the intelligent branch account contract module sends a transfer instruction to the payment module according to a payment account and a collection account set in the determined branch account agreement model, and the transfer amount is the amount preset in the branch account agreement model; after the payment module finishes transferring accounts, transferring account information is transmitted to the business bill data module of the business data system, and the business bill data module transmits the transferring account information to the data transmission module of the distributed shared account book system and records the transferring account information on a block chain through the data storage module; if the intelligent branch account contract module sends an instruction to the payment module, and the payment module cannot transfer accounts successfully due to insufficient balance of a payment account, the information of transfer failure is transmitted to the business bill data module of the business data system, and the business bill data module transmits the information of transfer to the data transmission module of the distributed shared account system and records the information on a block chain through the data storage module; and simultaneously the data storage module updates the credit rating of the asset user in the business participation account by using the formula (1):
in the formula, T represents the credit evaluation score of the business participation account, is a positive real number, and has a value range of more than 0 and less than or equal to 1; n is the total times of the service participation account as the asset use account in the participated service, and n is a positive integer; m is the total number of the services of the business participation account which is used as the asset use account in the participated business, and the account transfer failure caused by insufficient balance of the payment account exists in the business process, m is less than or equal to n, and m is a natural number; i is a service participation account which is used as an asset use account in the participated service, and a service sequence of account transfer failure caused by insufficient balance of a payment account exists in the service process, i is less than or equal to m, and i is a natural number; x is the number ofiTo pay for the presence at the ith timeIn the account balance deficiency account transfer failure service, the transfer failure amount accounts for the proportion of all preset amounts of the service, wherein xi is more than 0 and less than 1, and xi is a real number; the closer the credit rating score of the business participation account is to 1, the lower the level of loss of credit when the account is used as an asset on behalf of the business participation account, the higher the credit rating.
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CN109559255A (en) * 2019-02-18 2019-04-02 广东金赋科技股份有限公司 A kind of real estate business political affairs platform chain based on block chain technology

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