CN110148048A - A kind of bank confirmation request management method based on block chain technology - Google Patents
A kind of bank confirmation request management method based on block chain technology Download PDFInfo
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- CN110148048A CN110148048A CN201910243317.0A CN201910243317A CN110148048A CN 110148048 A CN110148048 A CN 110148048A CN 201910243317 A CN201910243317 A CN 201910243317A CN 110148048 A CN110148048 A CN 110148048A
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Abstract
A kind of bank confirmation request management method based on block chain technology: unit under auditing and audit unit are signed " engagement letter " directly on chain and are asked on chain node by the company information of circular for confirmation side, by associated electrical version cryptographic Hash cochain；Unit under auditing retrieves acquisition by the information of circular for confirmation enterprise from chain；Unit under auditing and bank sign related protocol on chain, and unit under auditing is registered on chain determines the information such as Certified Public Accountants Firm, and bank confirms on chain notifies information；Unit under auditing selects the element of this circular for confirmation from chain, generates bank confirmation request according to chain cope plate, and hair message is notified corresponding bank to know circular for confirmation information from chain；Intelligent contract in bank's circular for confirmation block chain (shared chain, privately owned chain or alliance's chain) asks for this circular for confirmation template generated on confirmation information particular point in time and chain, directly inquire the circular for confirmation content in circular for confirmation template, the fills of inquiry are formed on chain to this complete confirmation request into this circular for confirmation template, it is automatic to cover bank electronic chapter or letter in reply stamping.
Description
Technical field
The present invention relates to financial audit fields, and in particular to a kind of sending, returning in specific time point based on block chain technology
Receive bank confirmation request management method.
Background technique
Chartered accountant must be in accordance with " accounting standards for enterprises " " Chinese CPA Audit criterion " and its application guide etc.
Laws and regulations audit program to unit under auditing, and provide Audit Report.Bank's confirmation work (i.e. confirmation program) refers to
Chartered accountant is in order to obtain the information of the project for influencing financial statement or Related Disclosure identification, by directly from third party
(i.e. bank) is to the process for information about with the statement of existing situation, acquisition and evaluation audit evidence.Chartered accountant usually with
Balance sheet date is deadline, implements confirmation program in balance sheet in the future appropriate time, wherein deadline also can root
According to specific audit objective, specific time point is specified.The content of confirmation (or bank confirmation request, similarly hereinafter) typically refer to cash in banks,
Other important informations borrowed money (account nullified including zero balance account number and within the current period) and come and gone with financial institution.
In general, the specific operation process of bank's confirmation (using positive confirmation mode) includes following 5 steps:
(1) chartered accountant obtains all bank account informations of unit under auditing, includes bank statement, affiliated bank
Address, business contact relevant to bank, cancellation and zero balance account number information etc.；
(2) it designs, fill and present bank's confirmation, and affixed one's seal confirmation by unit under auditing；
(3) confirmation (i.e. face letter) is directly sent to or is sent in a manner of postal delivery bank by chartered accountant；
(4) confirmation information is checked by bank, covers letter in reply stamping, and letter in reply is directly returned (i.e. the recycling confirmation of face letter mode)
Or chartered accountant is sent in a manner of postal delivery；
(5) chartered accountant is replied according to bank as a result, forming audit draft, and achieve reservation.
When using face letter mode, chartered accountant is needed to go to bank together with unit under auditing financial staff, in sales counter
Bank's confirmation business is handled in person, and obtains letter in reply information.When being sent using mailing way, withdrawing bank's confirmation, certified public accountant
Teacher should take following measures to control confirmation implementation process:
(1) it is indicated in confirmation request directly to the Certified Public Accountants Firm's letter in reply for receiving audit operations commission；
(2) by the verification by the title of circular for confirmation person (i.e. bank), address and unit under auditing in relation to record；
(3) verification of the account balance and other information and unit under auditing relevant information that are listed in confirmation request；
(4) the case where issuing confirmation request, forms audit work record；
(5) when checking the letter in reply posted by bank, sender, postmark, address are checked；
(6) letter in reply received is formed into audit work record, and collect statistics confirmation result.
Bank's confirmation is that chartered accountant carries out a core auditing procedure being had to carry out when audit work, and bank is returned
Letter identifies chartered accountant financial statement mistake and corrupt practice are most important in audit work.It is only as auditor
The extrinsic stand, directly acquired, it is the component part of audit draft, and reliability generally higher than directly takes from enterprises
The audit evidence obtained.
On the other hand, for receiving, handling the bank of confirmation, letter in reply work is the inherent component part of financial service, is closed
It is the maintenance and guarantee to financial security.Bank's confirmation letter in reply work of high-quality and high-efficiency, helps to tamp main market players's accounting letter
Breath quality prevents financial risk, safeguards financial order, facilitates each policy bank, business bank, rural cooperation banks, agriculture
Credit office, village and villages and small towns bank (being referred to as bank) reinforce internal control, reduce operations risks, legal risk and honour risk, to pushing away
The construction of dynamic social credit system is of great significance.
Bank should confirm on the bank confirmation request original part that unit under auditing is affixed one's seal or is signed in principle, fill in related letter
Cease simultaneously stamped signature；The correlation report and stamped signature automatically generated if do not replied on confirmation request original part using banking system is as reply
, whole projects that reply confirmation request lists respond.The authenticity and accuracy of bank's reply letter in reply information are responsible for.
For effectively take precautions against because bank's confirmation letter in reply it is not firm caused by operations risks, legal risk and honour risk, bank need
The internal control of bank's confirmation letter in reply work is established and improved in the following areas, and ensures that it effectively runs:
(1) workflow clearly replied establishes corresponding licensing scheme and check-and-balance system, realizes point of incompatible responsibility
From；
(2) management system of specification confirmation request letter in reply stamping, clearly letter in reply stamping；
(3) verify confirmation request seal, determine its it is consistent with reserved specimen seal it is errorless after, letter in reply business can be handled；
(4) confirmation request letter in reply personnel, which should be noted that, verifies confirmation request content and format, retains related letter in reply copy or image
File should be listed as requested on letter in reply when finding that confirmation request information loaded is not consistent with bank information and not be inconsistent item；
(5) reinforce the review control of letter in reply, i.e., filled in by confirmation treatment people according to original service record, and by leading
Pipe personnel sign on letter in reply after review according to authorization and cover validity stamp；
(6) complete letter in reply operation note is established, treatment process should be embodied in record and person in charge checks in signature etc.
Control program；
(7) careful or internal control is included in bank in letter in reply work and checks scope, and to complaint of finding the problem and reply
Establish defect rectification, confirmation of responsibility and accountability mechanism；
(8) bank's confirmation accept department name, address, telephone number should be open and clear.
Based on the importance of bank's confirmation program, aforementioned each procedure links, no matter from chartered accountant, also or bank
Angle, both sides are required to put into a large amount of manpowers and time, and by setting additional internal control, supervise each operation link work
Appropriateness.Confirmation works due to the intervention of human factor, fault easily occurs or deliberately distorts equal behaviors, leads to letter in reply content not
Completely, inaccurate, it is confirmation conclusion mistake, unfounded, or even audit failure, industry public credibility be under suspicion.Even if manual operation
Link is appropriately handled, and within the specific period, the confirmation of concentration works, and also will lead to the inefficiency of confirmation program.It returns
Letter time-consuming too long, may cause additional alternative program, audit progress is delayed, and be delayed providing for Audit Report.
Summary of the invention
The accuracy of letter in reply content and the whole efficiency of confirmation work are how improved, is overcome caused by the above-mentioned prior art
Puzzlement, the i.e. technical problems to be solved by the invention.For this purpose, it is an object of the present invention to provide a kind of banks based on block chain technology
Confirmation request management method.The mechanisms such as bank, stock trader should be included by circular for confirmation unit.Letter wins the confidence breath (i.e. confirmation element) except information itself
Outside, affiliated point, branch line code and text and I and II stock trader's words identification should be included.
The present invention is to solve above-mentioned technical problem by following technical proposals:
The present invention provides a kind of bank confirmation request management method based on block chain technology, it is characterized in that comprising with
Lower step:
Step 101, unit under auditing passes through intelligent contract with audit unit and directly signs on chain on block platform chain
It " engagement letter " and is asked on block chain node by the company information of circular for confirmation side, by related papery scanning originals at electronic edition
Cryptographic Hash cochain；
The auditor that step 102, unit under auditing determine is according to the block chain node of distribution and the permission of opening from chain
Upper retrieval is obtained by the information of circular for confirmation enterprise, while the company information provided unit under auditing is verified；
Step 103, unit under auditing and relevant protocol information, unit under auditing are signed between circular for confirmation bank on chain
The information such as determining Certified Public Accountants Firm and chartered accountant are registered on chain, and notify information extremely by circular for confirmation bank, by circular for confirmation
Bank confirms on chain notifies information；
Step 104, unit under auditing chartered accountant wanting for this circular for confirmation is selected from chain according to " engagement letter "
Element, according to the template generation bank confirmation request provided on chain, the content of template includes fixed part content and is not fixed in part
Hold, sends out message to notice according to the partial content that is not fixed for being modified the template by the company information of circular for confirmation side, while from chain
Circular for confirmation information is known by corresponding bank；
Intelligent contract in step 105, bank's circular for confirmation block chain (shared chain, privately owned chain or alliance's chain) is signed according on chain
" engagement letter " regulation ask for this circular for confirmation template generated on confirmation information particular point in time and chain, by with bank's core
System direct connection interface is felt concerned about, directly inquires the circular for confirmation content in circular for confirmation template, and by the fills of inquiry to this circular for confirmation mould
This complete confirmation request is formed in plate on chain, and covers bank electronic chapter or letter in reply stamping automatically.
In the present solution, realizing the block platform chain of bank confirmation request, by more unit under auditing, the multiple meetings audited are participated in
Lawyer's offices (or auditor, chartered accountant, similarly hereinafter), more banks are counted respectively as the accounting nodes on block chain, group
At the block chain (shared chain, privately owned chain or alliance's chain) of an Audit-oriented industry, while block platform chain is realized and more silver
The docking of row mechanism core system.
" engagement letter " specifies the contractual relation between Certified Public Accountants Firm and unit under auditing, to record and really
Recognize the book of the items such as the format of commission and be commissioned relationship, audit aim and range, responsibilities of the parties and report of audit operations
Face agreement drapes over one's shoulders its information by specific time point to specified chartered accountant wherein should cover unit under auditing authorized bank
The agreement of dew.
Preferably, including: using industrial and commercial administration department as the section for participating in book keeping operation on chain between step 104 and step 105
Point, the information provided enterprise is audited, and the common recognition for participating in uplink communications is reached.
Preferably, include: after step 105 government regulator obtained from chain audit unit auditor audited
Final bank circular for confirmation information, to by circular for confirmation unit bank's circular for confirmation information monitoring verification.
Preferably, chartered accountant is according to the block chain node of distribution and the permission of opening after confirmation request generation, in spy
Retrieval obtains the confirmation request for covering bank electronic chapter or stamping of replying from chain after fixed time point, while to unit under auditing
The company information of offer is verified.
Preferably, the core system for participating in each bank of book keeping operation on chain needs to pass through interface direct connection pair with block platform chain
It connects, the core system of bank is sent to realize the inquiry instruction generated on chain by interface, the core system of bank will inquire
Result be fed directly to block platform chain.
Preferably, each bank needs to import in the block chain (shared chain, privately owned chain or alliance's chain) of participating banks confirmation
The Electronic Signature certificate of current row, the intelligent contract in block chain (shared chain, privately owned chain or alliance's chain) is automatically from direct connection interface
After inquiring circular for confirmation content, the confirmation request of formation is covered automatically by the electronics chapter of circular for confirmation bank or letter in reply stamping.
It completes preferably, all circular for confirmation elements are registered on chain by Certified Public Accountants Firm in advance, and can be incited somebody to action in the later period
The element of expansion registers cochain.
It is defaulted as on chain using general format when selecting element preferably, all circular for confirmation elements form circular for confirmation template
All elements all are chosen, chartered accountant requires according to special screne, chooses the circular for confirmation element of needs, and customization meets specific field
The circular for confirmation template of scape.
Preferably, the intelligence contract according to the main body signed in " engagement letter " and requires variation every year, contract is held
Row content also can dynamically change.
Preferably, the timing node of intelligence contract triggering is that the timing node arranged in " engagement letter " or selection are special
Fixed timing node triggering.
Preferably, the generation bank confirmation request process further include: at the key content to bank's confirmation of confirmation request
Do information identifier processing.
On the basis of common knowledge of the art, above-mentioned each optimum condition, can any combination to get each preferable reality of the present invention
Example.
The positive effect of the present invention is that:
This invention ensures that bank provides the timeliness of information, executes the benefit of confirmation program, it is often more important that confirmation
The accuracy of standardization, intelligence and content of replying that program executes.The operating procedure for optimizing circular for confirmation work, from bank and
For two aspect of chartered accountant, improves work efficiency, saved human cost, embodied convenience, to greatest extent
The characteristics of information can not distort on chain is played, careless omission caused by avoiding because of artificial participate in, malpractices or different operating personnel behaviour
Deviation caused by making.
Detailed description of the invention
Fig. 1 is the flow chart of the bank confirmation request management method of the embodiment of the present invention 1.
Fig. 2 is the flow chart of the bank confirmation request management method of the embodiment of the present invention 2.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
Embodiment 1
As shown in Figure 1, present embodiments providing a kind of bank confirmation request management method based on block chain technology comprising
Following steps:
Step 101, unit under auditing and audit unit (accounting and auditing office) are closed by intelligence on block platform chain
" engagement letter " is about signed directly on chain and is asked on block chain node by the company information of circular for confirmation side, by related papery
Scanning originals are at electronic edition cryptographic Hash cochain.
The auditor that step 102, unit under auditing determine is according to the block chain node of distribution and the permission of opening from chain
Upper retrieval is obtained by the information of circular for confirmation enterprise, while the company information provided unit under auditing is verified.
Also relevant protocol information is signed between step 103, unit under auditing and bank on chain, unit under auditing exists
The information such as determining Certified Public Accountants Firm and chartered accountant are registered on chain, and notify information by circular for confirmation bank, by circular for confirmation bank
Information is notified in confirmation on chain.
Step 104, unit under auditing chartered accountant wanting for this circular for confirmation is selected from chain according to " engagement letter "
Element, according to the template generation bank confirmation request provided on chain, the content of template includes fixed part content and is not fixed in part
Hold, sends out message to notice according to the partial content that is not fixed for being modified the template by the company information of circular for confirmation side, while from chain
Circular for confirmation information is known by corresponding bank.
Intelligent contract in step 105, bank's circular for confirmation block chain (shared chain, privately owned chain or alliance's chain) is signed according on chain
" engagement letter " regulation ask for this circular for confirmation template generated on confirmation information particular point in time and chain, by with bank's core
System direct connection interface is felt concerned about, directly inquires the circular for confirmation content in circular for confirmation template, and by the fills of inquiry to this circular for confirmation mould
This complete confirmation request is formed in plate on chain, and covers bank electronic chapter or letter in reply stamping automatically.
Chartered accountant is according to the block chain node of distribution and the permission of opening after step 106, confirmation request generate, in spy
Retrieval obtains the confirmation request for covering bank electronic chapter or stamping of replying from chain after fixed time point, while to unit under auditing
The company information of offer is verified.
Wherein, chartered accountant is according to the block chain node of distribution and the permission of opening after confirmation request generates, specific
Time point after from chain retrieval obtain the confirmation request for covering bank electronic chapter or stamping of replying, while unit under auditing is mentioned
The company information of confession is verified.
Wherein, the block chain node be mainly participated on chain book keeping operation node, including need audited more units,
Multiple Certified Public Accountants Firm, each bank.
Further, each core banking system that book keeping operation is participated on chain needs to pass through interface direct connection pair with block platform chain
It connects, the inquiry instruction generated on chain may be implemented by interface and be sent to core banking system, core banking system is by inquiry
As a result it is fed directly to block platform chain.
Further, each bank needs to lead in the block chain (shared chain, privately owned chain or alliance's chain) of participating banks confirmation
The Electronic Signature certificate for entering current row, the intelligent contract in block chain (shared chain, privately owned chain or alliance's chain) connect from direct connection automatically
After mouth inquiry circular for confirmation content, the confirmation request of formation is covered automatically by the electronics chapter of circular for confirmation bank or letter in reply stamping.
Wherein, the 14 class confirmation request elements are the circular for confirmation element in Ministry of Finance's required standard general format, can be with
More circular for confirmation elements are expanded according to the requirement of industry or special scenes, form circular for confirmation element library.
The 14 class confirmation request elements include: (1) cash in banks；(2) bank loan；(3) in circular for confirmation commencement date and deadline
The account of cancellation；(4) entrusted loan of the unit under auditing as lender；(5) unit under auditing is borrowed as the commission of loaning bill side
Money；(6) (including letter of guarantee) is assured；(7) unit under auditing is check drawer and still unpaid banker's acceptance converges by banker's acceptance
Ticket；(8) unit under auditing has been discounted and not yet overdue commercial draft to bank；(9) unit under auditing is for bearer and by silver
The commercial draft of row collection；(10) unit under auditing be applicant, issued by bank, fail to act the irrevocable credit finished
Card；(11) the foreign exchange trading contract finished is failed to act between unit under auditing and bank；(12) unit under auditing deposits in bank
The marketable securities of trustship or other title papers；(13) the not yet due bank financial product by issued by banks bought；(14) its
He etc..
Further, all circular for confirmation elements are registered on chain in advance by Certified Public Accountants Firm and are completed, and can be in the later period
The element of expansion is registered into cochain.
Further, it is also the general format that the Ministry of Finance requires that all elements, which form circular for confirmation template, when selecting element,
It is defaulted as all choosing all elements on chain, chartered accountant requires according to special screne, chooses the circular for confirmation element of needs, customizes
Meet the circular for confirmation template of special scenes.
Wherein, the intelligent contract in the bank confirmation request block chain (shared chain, privately owned chain or alliance's chain) of description touches automatically
Hair calls direct connection interface polls circular for confirmation content, which generates precondition are as follows: (1) unit of auditing and unit under auditing are on chain
It signs " engagement letter " (2) unit under auditing to notify in cochain by circular for confirmation bank, be had been acknowledged on chain by circular for confirmation bank.
Further, intelligent treaty content includes:
(1) receive the chartered accountant of specific time point；
(2) the specific time point arranged, when such as 31 days 24 December；
(3) information of unit under auditing, i.e. confirmation content；
(4) in a period of time of particular point in time hereafter, circular for confirmation demand, bank node are actively initiated on chain by auditor
After confirmation, information is directly transmitted.
The intelligence contract according to the main body signed in " engagement letter " and requires variation, the execution content of contract every year
Can dynamically it change.
Further, the timing node of intelligent contract triggering is the timing node arranged in " engagement letter ", can also be with
Specific timing node is selected to trigger.
Wherein, electron scanning processing carries out electron scanning formation confirmation request electronics text for that will be returned the confirmation request posted by circular for confirmation side
Part, and achieve processing.
Further, the generation bank confirmation request process further includes at the key content to bank's confirmation of confirmation request
Do information identifier processing.
Embodiment 2
As shown in Fig. 2, the bank confirmation request management method the present invention provides another kind based on block chain technology comprising
Following steps:
Step 201, unit under auditing and audit unit (Certified Public Accountants Firm) are direct by intelligent contract on block chain
" engagement letter " is signed on chain and is asked on block chain node by the company information of circular for confirmation side, and related papery original part is swept
Retouch into electronic edition cryptographic Hash cochain.
The auditor that step 202, unit under auditing determine, auditor is according to the block chain node of distribution and the power of opening
Limit, retrieval is obtained by the information of circular for confirmation enterprise from chain.
Also relevant protocol information is signed between step 203, unit under auditing and bank on chain, unit under auditing exists
The information such as determining Certified Public Accountants Firm and chartered accountant are registered on chain, and notify information by circular for confirmation bank, by circular for confirmation bank
Information is notified in confirmation on chain.
Step 204, unit under auditing chartered accountant wanting for this circular for confirmation is selected from chain according to " engagement letter "
Element, according to the template generation bank confirmation request provided on chain, the content of template includes fixed part content and is not fixed in part
Hold, sends out message to notice according to the partial content that is not fixed for being modified the template by the company information of circular for confirmation side, while from chain
Circular for confirmation information is known by corresponding bank.
Step 205, using industrial and commercial administration department as participated on chain book keeping operation node, to enterprise provide information audit,
And the common recognition for participating in uplink communications is reached.
Intelligent contract in step 206, bank's circular for confirmation block chain (shared chain, privately owned chain or alliance's chain) is signed according on chain
" engagement letter " regulation ask for this circular for confirmation template generated on confirmation information particular point in time and chain, by with bank's core
System direct connection interface is felt concerned about, directly inquires the circular for confirmation content in circular for confirmation template, and by the fills of inquiry to this circular for confirmation mould
In plate, this complete confirmation request is formed on chain, and covers bank electronic chapter or letter in reply stamping automatically.
The final bank circular for confirmation letter that the auditor that step 207, government regulator obtain audit unit from chain audited
Breath, to by bank's circular for confirmation information monitoring verification of circular for confirmation unit.
Chartered accountant is according to the block chain node of distribution and the permission of opening after step 208, confirmation request generate, in spy
Retrieval obtains the confirmation request for covering bank electronic chapter or stamping of replying from chain after fixed time point, while to unit under auditing
The company information of offer is verified.
Wherein, after confirmation request generates, chartered accountant is according to the block chain node of distribution and the permission of opening, specific
Time point after, retrieval obtains the confirmation request for covering bank electronic chapter or stamping of replying from chain, while to unit under auditing
The company information of offer is verified, and the result information of audit is registered cochain.
Wherein, in the method for the above-mentioned bank confirmation request of the present invention, the block chain node is mainly that book keeping operation is participated on chain
Node, including needing more units, multiple Certified Public Accountants Firm, each bank, industrial and commercial administration department node and the prison audited
Pipe portion gate node forms the more authoritative block chain (shared chain, privately owned chain or alliance's chain) with government supervision.
Further, each core banking system that book keeping operation is participated on chain needs to pass through interface direct connection pair with block platform chain
It connects, the inquiry instruction generated on chain may be implemented by interface and be sent to core banking system, core banking system is by inquiry
As a result it is fed directly to block platform chain.
Further, each bank needs to lead in the block chain (shared chain, privately owned chain or alliance's chain) of participating banks confirmation
The Electronic Signature certificate for entering current row, the intelligent contract in block chain (shared chain, privately owned chain or alliance's chain) connect from direct connection automatically
After mouth inquiry circular for confirmation content, the confirmation request of formation is covered automatically by the electronics chapter of circular for confirmation bank or letter in reply stamping.
Wherein, the element of the 14 class confirmation requests is the circular for confirmation element in Ministry of Finance's required standard general format, can
To expand more circular for confirmation elements according to the requirement of industry or special scenes, circular for confirmation element library is formed.
Further, all circular for confirmation elements are registered on chain in advance by Certified Public Accountants Firm and are completed, and can be in the later period
The element of expansion is registered into cochain.
Further, it is also the general format that the Ministry of Finance requires that all elements, which form circular for confirmation template, when selecting element,
It is defaulted as all choosing all elements on chain, chartered accountant requires according to special screne, chooses the circular for confirmation element of needs, customizes
Meet the circular for confirmation template of special scenes.
Wherein, the intelligent contract in the bank confirmation request block chain (shared chain, privately owned chain or alliance's chain) of description touches automatically
Hair calls direct connection interface polls circular for confirmation content, which generates precondition are as follows: (1) Certified Public Accountants Firm and unit under auditing exist
" engagement letter " (2) unit under auditing is signed on chain to notify in cochain by circular for confirmation bank, by circular for confirmation bank on chain really
Recognize.
Further, which according to the main body signed in " engagement letter " and requires to change, the execution of contract
Content also can dynamically change.
Further, the timing node of intelligent contract triggering is the timing node arranged in " engagement letter ", can also be with
Specific timing node is selected to trigger.
Wherein, electron scanning processing forms confirmation request electronics for the confirmation request replied by circular for confirmation side is carried out electron scanning
File, and achieve processing.
Further, " engagement letter " template determines rear cochain, while generating corresponding intelligence on block chain and closing
About, unit under auditing and Certified Public Accountants Firm directly sign on chain, by intelligent contract by the real-time cochain of the information of signature,
It can trace, and can not distort on chain.
Further, the both sides that " engagement letter " is directly signed on chain generate electronics label on chain for each party
Chapter directly covers the Electronic Signature of both sides when signing on chain, guarantees the authentic and valid of signature, has legal constraint power.
Further, government regulator can supervise whole process, simultaneously participate in uplink communications common recognition and reach, participate in altogether
Enjoy account book book keeping operation.Supervision department will also inquire bank's circular for confirmation information of audit publication.
Although specific embodiments of the present invention have been described above, it will be appreciated by those of skill in the art that these
It is merely illustrative of, protection scope of the present invention is defined by the appended claims.Those skilled in the art is not carrying on the back
Under the premise of from the principle and substance of the present invention, many changes and modifications may be made, but these are changed
Protection scope of the present invention is each fallen with modification.
Claims (10)
1. a kind of bank confirmation request management method based on block chain technology, which is characterized in that itself the following steps are included:
Step 101, unit under auditing and audit unit pass through intelligent contract and sign " business directly on chain on block platform chain
Stipulator " and ask on block chain node by the company information of circular for confirmation side, by related papery scanning originals at electronic edition Hash
It is worth cochain；
The auditor that step 102, unit under auditing determine examines from chain according to the block chain node of distribution and the permission of opening
Rope is obtained by the information of circular for confirmation enterprise, while the company information provided unit under auditing is verified；
Step 103, unit under auditing and relevant protocol information is signed between circular for confirmation bank on chain, unit under auditing is in chain
The information such as upper registration determining Certified Public Accountants Firm and chartered accountant, and information is notified extremely by circular for confirmation bank, by circular for confirmation bank
Information is notified in confirmation on chain；
Step 104, unit under auditing chartered accountant the element of this circular for confirmation, root are selected from chain according to " engagement letter "
According to the template generation bank confirmation request provided on chain, the content of template includes fixed part content and is not fixed partial content, root
According to the partial content that is not fixed for being modified the template by the company information of circular for confirmation side, while from chain, hair message is corresponding to notifying
Circular for confirmation information is known by bank；
Intelligent contract in step 105, bank's circular for confirmation block chain (shared chain, privately owned chain or alliance's chain) on chain according to signing
" engagement letter " regulation ask for this circular for confirmation template generated on confirmation information particular point in time and chain, by with bank core
System direct connection interface, directly the circular for confirmation content in inquiry circular for confirmation template, and by the fills of inquiry to this circular for confirmation template
In this complete confirmation request is formed on chain, and cover bank electronic chapter or letter in reply stamping automatically；
Chartered accountant is according to the block chain node of distribution and the permission of opening after step 106, confirmation request generate, specific
Retrieval obtains the confirmation request for covering bank electronic chapter or stamping of replying from chain after time point, while providing unit under auditing
Company information verified.
2. bank confirmation request management method as described in claim 1, which is characterized in that wrapped between step 104 and step 105
Include: using industrial and commercial administration department as the node for participating in book keeping operation on chain, the information provided enterprise is audited, and participates in uplink communications
Common recognition reach.
3. bank confirmation request management method as described in claim 1, which is characterized in that after step 105 include: government's prison
The final bank circular for confirmation information that the auditor of audit unit audited is obtained on pipe portion Men Conglian, to by bank's inquiry of circular for confirmation unit
Information monitoring is demonstrate,proved to verify.
4. bank confirmation request management method as described in claim 1, which is characterized in that participate in the core of each bank of book keeping operation on chain
It feels concerned about system to need to dock with block platform chain by interface direct connection, to realize that the inquiry instruction generated on chain is sent to by interface
The result of inquiry is fed directly to block platform chain by the core system of the core system of bank, bank.
5. bank confirmation request management method as described in claim 1, which is characterized in that each bank is in the area of participating banks confirmation
In block chain (shared chain, privately owned chain or alliance's chain), need to import the Electronic Signature certificate of current row, it is (shared chain, privately owned in block chain
Chain or alliance's chain) in intelligent contract automatically after direct connection interface polls circular for confirmation content, quilt is covered automatically to the confirmation request of formation
The electronics chapter or letter in reply stamping of circular for confirmation bank.
6. bank confirmation request management method as described in claim 1, which is characterized in that all circular for confirmation elements are served as master by accounting
Business institute registers on chain in advance to complete, and the element of expansion can be registered cochain in the later period.
7. bank confirmation request management method as claimed in claim 7, which is characterized in that all circular for confirmation elements form circular for confirmation mould
Plate uses general format, when selecting element, is defaulted as all choosing all elements on chain, chartered accountant is according to special screne
It is required that choosing the circular for confirmation element of needs, customization meets the circular for confirmation template of special scenes.
8. bank confirmation request management method as described in claim 1, which is characterized in that the intelligence contract is every year according to " business
Stipulator " in the main body signed and require variation, the execution content of contract also can dynamically change.
9. bank confirmation request management method as described in claim 1, which is characterized in that the timing node of intelligence contract triggering
For the timing node arranged in " engagement letter " or the specific timing node triggering of selection.
10. bank confirmation request management method as described in claim 1, which is characterized in that the generation bank confirmation request process
Further include: information identifier processing is done at the key content to bank's confirmation of confirmation request.
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| CN113297163A (en) * | 2021-06-22 | 2021-08-24 | 工银科技有限公司 | System, method, device, equipment and medium for transferring inquiry letter based on block chain |
| CN113313584B (en) * | 2021-06-25 | 2023-10-10 | 中国农业银行股份有限公司 | Service processing method and processing device |
| CN113313584A (en) * | 2021-06-25 | 2021-08-27 | 中国农业银行股份有限公司 | Service processing method and processing device |
| CN113610509A (en) * | 2021-08-26 | 2021-11-05 | 中国银行股份有限公司 | System and method for auditing abnormal behaviors of staff based on block chain |
| CN114493845A (en) * | 2022-01-29 | 2022-05-13 | 中国工商银行股份有限公司 | Automatic letter returning method and device for bank |
| CN116229644A (en) * | 2022-12-30 | 2023-06-06 | 国网河北省电力有限公司物资分公司 | Self-service type insurance letter safety recovery equipment |
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| CN116842553A (en) * | 2023-08-28 | 2023-10-03 | 财智共享(北京)技术服务有限公司 | Function certificate management method and device based on blockchain and storage medium |
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