CN110210968A - Intelligent Service transaction system - Google Patents
Intelligent Service transaction system Download PDFInfo
- Publication number
- CN110210968A CN110210968A CN201910426202.5A CN201910426202A CN110210968A CN 110210968 A CN110210968 A CN 110210968A CN 201910426202 A CN201910426202 A CN 201910426202A CN 110210968 A CN110210968 A CN 110210968A
- Authority
- CN
- China
- Prior art keywords
- transaction
- module
- contract
- intelligent contract
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000012550 audit Methods 0.000 claims abstract description 20
- 230000002068 genetic effect Effects 0.000 claims abstract description 12
- 238000012423 maintenance Methods 0.000 claims abstract description 12
- 238000012216 screening Methods 0.000 claims abstract description 11
- 239000003795 chemical substances by application Substances 0.000 claims description 41
- 238000010276 construction Methods 0.000 claims description 16
- 230000007246 mechanism Effects 0.000 claims description 15
- 239000010410 layer Substances 0.000 claims description 14
- 238000000034 method Methods 0.000 claims description 13
- 238000011156 evaluation Methods 0.000 claims description 12
- 238000007726 management method Methods 0.000 claims description 11
- 238000013524 data verification Methods 0.000 claims description 8
- 238000012795 verification Methods 0.000 claims description 8
- 239000012792 core layer Substances 0.000 claims description 6
- 238000012800 visualization Methods 0.000 claims description 6
- 238000012790 confirmation Methods 0.000 claims description 3
- 230000000694 effects Effects 0.000 claims description 3
- 239000012634 fragment Substances 0.000 claims description 3
- 238000004458 analytical method Methods 0.000 abstract description 5
- 238000005457 optimization Methods 0.000 abstract description 5
- 230000006870 function Effects 0.000 description 11
- 238000005516 engineering process Methods 0.000 description 9
- 230000005540 biological transmission Effects 0.000 description 6
- 230000006399 behavior Effects 0.000 description 4
- 230000008901 benefit Effects 0.000 description 3
- 239000000463 material Substances 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- RTZKZFJDLAIYFH-UHFFFAOYSA-N Diethyl ether Chemical compound CCOCC RTZKZFJDLAIYFH-UHFFFAOYSA-N 0.000 description 2
- 238000004590 computer program Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 238000007689 inspection Methods 0.000 description 2
- 238000012360 testing method Methods 0.000 description 2
- 230000010485 coping Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000001914 filtration Methods 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 238000001727 in vivo Methods 0.000 description 1
- 230000002427 irreversible effect Effects 0.000 description 1
- 230000007774 longterm Effects 0.000 description 1
- -1 management level Substances 0.000 description 1
- 238000013439 planning Methods 0.000 description 1
- 238000012552 review Methods 0.000 description 1
- 239000007787 solid Substances 0.000 description 1
- 230000004083 survival effect Effects 0.000 description 1
- 230000000007 visual effect Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Tourism & Hospitality (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Technology Law (AREA)
- Development Economics (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Human Resources & Organizations (AREA)
- Primary Health Care (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention discloses a kind of intelligent Service transaction systems, comprising: transaction Subjective and Objective information authentication module, for verifying transaction agent identity information and transaction object content information；Transaction agent demand release module issues the demand of transaction agent after being verified；Intelligent Service transaction screening recommends and matching module, for the demand match trading both sides according to transaction agent；Transaction negotiation module, for according to the data information of the corresponding transaction object content information audit both parties of both parties and the determination of particular transactions parameter；Intelligent contract signs module, in the building for after the approval, completing intelligent contract, wherein intelligent contract is deployed on block chain；Intelligent contract deployment and genetic module, for after the completion of building, completing deployment, follow-up maintenance and the evolution of intelligent contract.The system is conducive to the pool maintenance and safety analysis of intelligent service system, is conducive to system developer for specific execution module and carries out performance optimization and security enhancement.
Description
Technical field
The present invention relates to block chain applied technical field, in particular to a kind of intelligent Service transaction system.
Background technique
Block chain is born from middle clever bit coin, since two thousand nine, occurs various based on publicly-owned block
The class bit coin digital cash of chain.Block chain is substantially the database of a decentralization, has decentralization, information are anti-to usurp
The advantages that changing, be open and clear, robustness is high.Intelligent contract is the theory proposed by Ni Kesabo nineteen nineties, it
It is the computer program operated on reproducible, shared account book, can handle information, receives, storage and transmission are worth.In area
Under block chain scene, intelligent contract is the computer program operated on block chain database, can be write in meeting its source code
It is voluntarily executed when the condition entered.Since intelligent contract executes and characteristic independent of trusted third party automatically, can by with
Trust at family.In addition, due to the characteristic that can not distort of block chain data, intelligent contract is also not modifiable.
With the further genralrlization of development and the intelligent contract application of block chain technology, more and more people will be in reality
Intelligent contract is touched in life.The platforms such as ether mill provide support, intelligent contract energy for the deployment and implementation of intelligent contract
It is enough that there is innovative application in financial and internet of things field, it is capable of providing certain conventional center mechanisms and offer cannot or be provided
Service.Intelligent contract is capable of providing diversified intelligent Service.Currently based on the intelligent Service transaction of intelligent contract without solid
Fixed mode, it is various informative, it is unfavorable for planning as a whole maintenance and safety analysis, possible potential a variety of security breaches easily cause economic damage
Lose
Summary of the invention
The present invention is directed to solve at least some of the technical problems in related technologies.
For this purpose, it is an object of the invention to propose that a kind of intelligent Service transaction system, the system are conducive to system developer
Performance optimization and security enhancement are carried out for specific execution module.
In order to achieve the above objectives, the embodiment of the present invention proposes a kind of intelligent Service transaction system, comprising: transaction Subjective and Objective
Information authentication module, for verifying transaction agent identity information and transaction object content information；Transaction agent demand release module,
After being verified, the demand of the transaction agent is issued；Intelligent Service transaction screening recommends and matching module, is used for basis
The demand match trading both sides of the transaction agent；Transaction negotiation module, for according to the corresponding transaction visitor of the both parties
Hold the determination of the data information and parameter transaction of both parties described in signal auditing in vivo；Intelligent contract signs module, is used for
After the approval, the building of intelligent contract is completed, wherein the intelligence contract is deployed on block chain；The deployment of intelligent contract with
Genetic module, for after the completion of building, completing deployment, follow-up maintenance and the evolution of the intelligent contract.
The intelligent Service transaction system of the embodiment of the present invention, can be by the Intellectual garment based on block chain and intelligent contract technology
Various execution modules needed for business system are decoupled, and are conducive to the pool maintenance and safety analysis of intelligent service system, have
Performance optimization and security enhancement are carried out for specific execution module conducive to system developer.
In addition, intelligent Service transaction system according to the above embodiment of the present invention can also have following additional technology special
Sign:
Further, in one embodiment of the invention, further includes: block chain infrastructure module is handed over for identification
Easy subject identity and object content, verifying Transaction Information, execute transaction and record transaction results at registration user information.
Further, in one embodiment of the invention, the block chain infrastructure module specifically includes: user
Layer, the client layer include demand publication, data verification, information record, contract customization and contract administration；Management level, it is described
Management level include access-in management, node administration, exception management and contract administration；Core layer, the core layer include common recognition machine
System, account book record, timing service, bond service, fragment mechanism, signature scheme and hash function；Basal layer, the basal layer packet
Include storage scheme, peer-to-peer network and contract execution mechanism.
Further, in one embodiment of the invention, transaction Subjective and Objective information authentication module includes: transaction agent body
Part verification platform, the content for being provided according to the block chain infrastructure module carry out identity to the transaction agent and test
Card；Transaction object content verification platform, for verifying transaction object content information.
Further, in one embodiment of the invention, the transaction agent demand release module includes multiple publications
Interface and demand display platform.
Further, in one embodiment of the invention, it includes: intelligent contract building that the intelligent contract, which signs module,
Platform, the intelligence contract construction platform provides multiple transaction options and input interface, for the need according to the both parties
Seek survival into the intelligent contract；Contract safety examination facility, for carrying out safety examination to the intelligent contract；Contract is handed over
Examination platform is paid, is used for after the intelligent contract is by safety examination, by the intelligent contract visualization display, for institute
It states both parties and visualization verifying is carried out to the intelligent contract.
Further, in one embodiment of the invention, the intelligent contract deployment is also used to genetic module full
The content of the adjustment intelligent contract is updated when sufficient preset condition or terminates and cancel the intelligent contract in advance.
Further, in one embodiment of the invention, further includes: administration module, for supervising the transaction host and guest
Body information authentication module, the transaction agent demand release module, the intelligent Service transaction screening, recommend with matching module and
The transaction negotiation module, to supervise stateful transaction and the trading activity of both parties' method.
Further, in one embodiment of the invention, further includes: main body credit dynamic evaluation module, using described
Essential information, financial statement and the audit of the transaction agent recorded in the information and block chain infrastructure that administration module obtains
Report, promise breaking record and refund record of delaying carry out credit dynamic evaluation to the transaction agent of whole system, and will be after assessment
As a result block chain is recorded, to provide a user reliable transaction agent credit information.
Further, in one embodiment of the invention, administration module is also used to supervise the main body credit dynamic and comments
Estimate module.
The additional aspect of the present invention and advantage will be set forth in part in the description, and will partially become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments
Obviously and it is readily appreciated that, in which:
Fig. 1 is the structural schematic diagram according to the intelligent Service transaction system of the embodiment of the present invention；
Fig. 2 is the block chain infrastructure architecture figure according to the Group-oriented intelligent Service of one embodiment of the invention；
Fig. 3 is the transaction Subjective and Objective information authentication module structure chart according to one embodiment of the invention；
Fig. 4 is release module structure chart of being traded according to the transaction agent of one embodiment of the invention；
Fig. 5 is according to the intelligent Service of one embodiment of the invention transaction screening, recommends and matching module structure chart；
Fig. 6 is the transaction negotiation function structure chart according to one embodiment of the invention；
Fig. 7 is to sign function structure chart according to the intelligent contract of one embodiment of the invention；
Fig. 8 is according to the deployment of the intelligent contract of one embodiment of the invention and genetic module structure chart；
Fig. 9 is according to the intelligence in medium and small micro- business loan service embodiment in the financial service of one embodiment of the invention
It can contract matching, construction and the implementation flow chart of dissemination method.
Specific embodiment
The embodiment of the present invention is described below in detail, examples of the embodiments are shown in the accompanying drawings, wherein from beginning to end
Same or similar label indicates same or similar element or element with the same or similar functions.Below with reference to attached
The embodiment of figure description is exemplary, it is intended to is used to explain the present invention, and is not considered as limiting the invention.
The intelligent Service transaction system proposed according to embodiments of the present invention is described with reference to the accompanying drawings.
Fig. 1 is the structural schematic diagram of the intelligent Service transaction system of one embodiment of the invention.
As shown in Figure 1, the intelligent Service transaction system 100 includes: transaction Subjective and Objective information authentication module 110, transaction master
Body demand release module 120, intelligent Service transaction screening are recommended and matching module 130, transaction negotiation module 140, intelligent contract
Sign module 150 and intelligent contract deployment and genetic module 160.
Wherein, transaction Subjective and Objective information authentication module 110 is for verifying transaction agent identity information and transaction object content
Information.Transaction agent demand release module 120 is for issuing the demand of transaction agent after being verified.Intelligent Service transaction sieve
Choosing is recommended to be used for the demand match trading both sides according to transaction agent with matching module 130.Transaction negotiation module 140 is used for basis
The data information of the corresponding transaction object content information audit both parties of both parties simultaneously determines specific contract parameter.Intelligence
Contract is signed module 150 and is used in the building for after the approval, completing intelligent contract, wherein intelligent contract is deployed in block chain
On.Intelligent contract deployment is deployed on block chain with genetic module 160, for after the completion of building, completing the portion of intelligent contract
Administration, follow-up maintenance and evolution.The system 100 of the embodiment of the present invention can be by the Intellectual garment based on block chain and intelligent contract technology
Various execution modules needed for business system are decoupled, and are conducive to the pool maintenance and safety analysis of intelligent service system, have
Performance optimization and security enhancement are carried out for specific execution module conducive to system developer.
Below by by taking small micro- business loan in financial service as an example, the system 100 of the embodiment of the present invention is carried out into one
Step is introduced.
Further, in one embodiment of the invention, as shown in Figure 1, the system 100 of the embodiment of the present invention is also wrapped
It includes: block chain infrastructure module 170.Wherein, block chain infrastructure module 170 transaction agent identity and object for identification
Content, verifying Transaction Information, executes transaction and record transaction results at registration user information.
Specifically, as shown in Fig. 2, the block chain infrastructure module 170 of Group-oriented intelligent Service: the module 170
In infrastructure and agreement specially optimize for swarm intelligence service, the module 170 is with block chain and intelligent contract
Based on technology, the identification of master/object body, user information registration, Transaction Information verifying, friendship are provided for the transaction of swarm intelligence service
The easily basic functions such as execution, transaction results record.The module can be divided into client layer, management level, core layer according to different functions
And basal layer.Wherein, client layer includes demand publication, data verification, information record, contract customization and contract administration etc.；Pipe
Managing layer includes access-in management, node administration, exception management and contract administration etc.；Core layer include common recognition mechanism, account book record,
Timing service, bond service, fragment mechanism, signature scheme, hash function etc.；Basal layer includes storage scheme, peer-to-peer network, conjunction
About execution mechanism etc..Since information has non-repudiation, characteristics, the record of information and the verifying such as can not distort and have on block chain
Authority, and the implementing result of intelligent contract has irreversible characteristic.In addition, block chain infrastructure module 170 has
There are certain stability and anti-destructive, intrusion scene with higher, to guarantee the bottom of entire intelligent Service transaction system 100
The safety and availability of layer environment.
Further, in one embodiment of the invention, transaction Subjective and Objective information authentication module 110 includes: transaction master
Body part verification platform and transaction object content verification platform.
Wherein, transaction agent authentication platform, the content for being provided according to block chain infrastructure module is to transaction
Main body carries out authentication.Transaction object content verification platform, for verifying transaction object content information.
Specifically, as shown in figure 3, transaction Subjective and Objective information authentication module 110: the module 110 includes transaction agent body
Part verification platform and transaction object content verification platform, wherein transaction agent authentication platform can use Group-oriented
The partial content that the block chain infrastructure of intelligent Service provides carries out authentication.In addition, the two Information Authentication platforms by
To the supervision of supervision department.
Further, in one embodiment of the invention, transaction agent demand release module 120 includes that multiple publications connect
Mouth and demand display platform.
Specifically, as shown in figure 4, transaction agent demand release module 120: the module 120 includes loan provider's
Demand issuing interface, the demand issuing interface of demand for loan side and demand display platform, transaction agent (including loan provider
With demand for loan side) demand can be issued with preference according to their own needs, these demands are subsequent to be linked into intelligent Service transaction sieve
Choosing, recommendation and matching module, to carry out demand matching and more subsequent operations.In addition, the module can reserve supervision interface,
The demand of publication will will receive the supervision of supervision department.
Further, as shown in figure 5, intelligent Service transaction screening, recommendation and matching module 130: the module 130 includes more
The user characteristics screening technique of dimension, the service filtering policy of demand orientation, user's differentiated demand interest points matching technology, base
It is pushed away in the feedback ranking mechanism, the mixed strategy recommended models based on user and article, the intelligence based on aobvious factor model of memory
Recommend the methods of algorithm and technology, it is therefore an objective to according to the target requirement and Behavior preference of each side, efficiently and accurately complete to offer a loan
Financial institution and application for credit little Wei enterprise between demand matching.In addition, the matching result of the module 130 also will receive
The supervision of supervision department.
As shown in fig. 6, transaction negotiation module 140: mainly including that both parties further provide in transaction negotiation module 140
The negotiation etc. of actual parameter in material audit and transaction content and contract.During data verification, the financial machine offered a loan
Structure carries out data verification to the demand for loan side matched in demand matching module.Wherein, Group-oriented intelligent Service is utilized
Functions and the party in request such as block chain infrastructure module 170 the user information registration, the Transaction Information verifying that provide provide
Further data (certainly, party in request can also choose whether to be provided according to the actual situation, be not specifically limited herein), mentions
Traditional auditing flow is referred to the further data verification of party in request's progress, including to enterprise for the financial institution of loan
The data and information such as Audit Report, discreditable behavior audit.The final auditing result in the part will will receive supervision department
Supervision.
After the completion of data verification, both sides enter transaction content and parameter negotiation stage.In in this stage, both sides are with regard to prior
The demand issued when matching carries out further details negotiation, these details include in demand in existing content and demand
No part, for example, it is some can not in contract accurate description clause etc..The demand of both sides of matching achievement can not be complete
Entirely, in the case where simultaneously meeting, both sides can complete the negotiation of parameter at this stage, that is, remodify when publication in the demand
Existing design parameter, such as interest rate, the time limit.Similarly, the negotiation result of transaction content also will receive the supervision of supervision department.
Further, in one embodiment of the invention, it includes: intelligent contract building that intelligent contract, which signs module 150,
Platform, contract safety examination facility and contract, which are delivered, checks and accepts platform.
Wherein, intelligent contract construction platform, intelligent contract construction platform provide multiple transaction options and input interface, are used for
Intelligent contract is generated according to the demand of both parties；Contract safety examination facility, for carrying out safety inspection to intelligent contract
It tests；Contract, which is delivered, checks and accepts platform, in intelligent contract by after safety examination, by intelligent contract visualization display, for
Both parties carry out visualization verifying to intelligent contract.
Specifically, as shown in fig. 7, intelligent contract signs module 150: the module 150 relates generally to two participants, i.e.,
Provide a loan provider and demand for loan side, may be incorporated into third participant, i.e. loan guarantee side if necessary.It is provided in loan
After completion object matching and demand for loan side pass through the loan further data verification of provider between side and demand for loan side,
Two participants enter the contract and sign module.
The module 150 is mainly handed over comprising an intelligent contract construction platform and contract safety examination facility and contract
Pay examination platform.Contract construction platform provides several transaction options and input interface, and both parties join the agreement decided through consultation in advance
Number (for example, the terms of loan, amount of the loan etc.) inputs the contract construction platform, and platform will automatically generate the intelligence comprising both sides' demand
It can contract.Later, the contract safety examination facility in the module 150 will provide the safety inspection of corresponding contract, to guarantee to close
Safety about in logic.After the intelligent contract that construction platform generates passes through safety examination, both parties can be in the module
In intelligent contract deliver check and accept platform visualization verifying is carried out to contract, that is, contract is shown with certain visual means,
To verify function achieved by the intelligent contract generated.After finally checking and accepting confirmation by both parties, contract will enter intelligence
Contract deployment and genetic module 150, the module 150 are deployed in block chain.
Further, in one embodiment of the invention, intelligent contract deployment is also used to meeting with genetic module 160
The content for adjusting intelligent contract is updated when preset condition or terminates and cancel intelligent contract in advance.
Specifically, as shown in figure 8, intelligent contract deployment is with genetic module 160: 160 main function of module is by intelligence
Can contract sign the intelligent contract completed in module and be deployed on block chain, hereafter, the contract disposed will be defined with it
Rule ordering, can not execute with reversing.In addition, the module 160 can also be used to coping with it is some in special circumstances to intelligent conjunction
The adjustment of life cycle state about is adjusted including the update in some cases to content in intelligent contract or is mentioned to contract
Preceding termination and revocation.
Further, in one embodiment of the invention, as shown in Figure 1, the system 100 of the embodiment of the present invention is also wrapped
It includes: administration module 180.Wherein, administration module 180, for supervising transaction Subjective and Objective information authentication module 110, transaction agent needs
Release module 120, intelligent Service transaction screening 130, recommendation and matching module 140 and transaction negotiation module 150 are asked, is handed over supervising
The stateful transaction of easy both sides' method and trading activity.
Specifically, administration module 180: the module 180 mainly provides the state and subsequent transaction to demand for loan side
Behavior is tracked, and the malicious act of demand for loan side is detected and is supervised (for example, using same demand and identity from more
Loan etc. is obtained at a loan provider), to the verified at regular intervals of the identity information of demand for loan side, to the monolithic of transaction system
State, which carries out closing rule data, the functions such as reports and submits, to guarantee the legitimate rights and interests of each participant in system.Wherein, supervision again can be according to prison
The pipe intervention moment is divided into proactive regulation and supervision, supervises in thing and subsequent supervision.
Further, in one embodiment of the invention, as shown in Figure 1, the system 100 of the embodiment of the present invention is also wrapped
It includes: main body credit dynamic evaluation module 190.Wherein, main body credit dynamic evaluation module 190, the letter obtained using administration module
Breath and block chain infrastructure on record transaction agent essential information, financial statement and Audit Report, promise breaking record and
Delay to refund to record and credit dynamic evaluation is carried out to the transaction agent of whole system, and block is recorded in the result after assessment
Chain, to provide a user reliable transaction agent credit information.
Specifically, main body credit dynamic evaluation module 190: the part that the module 190 is mainly obtained using administration module
Essential information, financial statement and the Audit Report of the participant recorded in information and block chain infrastructure, prolong promise breaking record
Refund record and other assessment relevant informations etc. of phase carry out credit dynamic evaluation to the participant of whole system, and will be after assessment
Result block chain is recorded, to provide a user reliable participant's credit information.Also, the module 190 is similarly subjected to supervise
The supervision of tube module.
It is introduced below in conjunction with workflow of the Fig. 1 to intelligent Service transaction system 100.
After transaction agent (being in embodiment loan provider and demand for loan side) enters, it is necessary first to be led by transaction
Hereafter the Information Authentication of object information authentication module 110 completes demand publication in transaction agent demand release module 120；
Demand in 120 enters intelligent Service transaction screening, recommends to complete transaction agent (in reality with matching module 130, the module 130
Apply and be presented as loan provider and demand for loan side in example) demand be mutually matched；After the completion of matching, the transaction of successful match
Main body enters transaction negotiation module 140, which is used to further audit the data of both sides and particular transactions are closed
The about determination of parameter, wherein institute in the block chain infrastructure 170 of Group-oriented intelligent Service is mainly utilized in review process
The information of record；After the approval, transaction agent both sides enter intelligent contract signing module 150, complete the building of intelligent contract；
After the completion of building, intelligent contract signs the intelligent contract that module 150 exports and enters intelligent contract deployment and the completion of genetic module 160
Contract deployment, the module are also responsible for the follow-up maintenance and evolution of intelligent contract；In addition, administration module 180 is responsible for whole process
The supervision of middle each side's user behavior, to guarantee that the legitimate rights and interests of each participant, main body credit dynamic evaluation module 190 are responsible for whole
Participant in a system carries out dynamic evaluation, reliable, dynamic participant's credit information is provided for user, to meet participant
Expectation to different trading objects.
Intelligent Service transaction system 100 is illustrated below in conjunction with Fig. 9, Fig. 9 is according to finance clothes of the invention
The implementation flow chart of the matching of intelligent contract, construction and dissemination method in medium and small micro- business loan service embodiment in business.
As shown in figure 9, the matching of the intelligence contract, construction and dissemination method include financial institution 1 and loan user 2, gold
Melt mechanism 1 and loan user 2 is connected with recommender system 3, recommender system 3 is connected with intelligent contract construction platform 4, intelligence
Contract construction platform generates intelligence and about 5, and intelligence and about 5 are deployed in block chain 6, financial institution 1 and loan 2 area Jun of user
Account is set up on block chain, appraisal agency 7 is connected with block chain 6, financial institution 1 and lending agency 2.
Financial institution 1 includes loan scheme input unit 101, target customer's input unit 102, financial institution's audit unit
103, lending information transmitting unit 104, financial institution account information memory cell 105, provide a loan scheme input unit 101, target
Client's input unit 102 and financial institution account information memory cell 105 audit 103 input terminal of unit with financial institution and are connected
It connects, lending information transmitting unit 104 is connected with financial institution's audit 103 output end of unit, and recommender system 3 and lending information are sent out
Unit 104 is sent to be connected, block chain 6 is connected with financial institution account information memory cell 105.
Wherein, scheme input unit 101 of providing a loan in Fig. 9 needs to provide interest rate, the time limit, amount bound, time of making loans etc.
Information, for example, interest rate: 10%；The time limit: 3 years；Amount bound: 50-1000 ten thousand；It makes loans the time: 9-15 working day etc..Target
Client's input unit 102 needs to provide that the type of business, scope of the enterprise, credit rating of enterprise, whether there is or not building property mortgage, operation lives etc.
Information, such as the type of business: Internet company；Scope of the enterprise: medium-sized enterprise；Credit rating of enterprise: A grades；Whether there is or not house properties to support
It gives as security: having；Operation life: at least 2 years etc..
Further, loan user 2 includes loan wish input unit 201, loan user's audit unit 202, letter of borrowing money
Cease transmission unit 203, loan user account information storage unit 204, loan wish input unit 201 and loan user account letter
Breath storage unit 204 audits 202 input terminal of unit with loan user and is connected, loan information transmission unit 203 and loan user
Audit 202 output end of unit is connected, and recommender system 3 is connected with loan information transmission unit 203, and block chain 6 and loan are used
Family account information storage unit 204 is connected.
Wherein, wish input unit 201 of providing a loan in Fig. 9 needs to provide interest rate, the time limit, the amount of money, expectation are made loans time, mechanism
The information such as credit grade, for example, interest rate: 8%；The time limit: 5 years；The amount of money: 2,000,000；It is expected that making loans the time: 7 working days；Mechanism
Credit grade: A grades etc..Financial institution account information memory cell 105 includes address, manages time, mechanism reliability rating, enterprise
The information such as industry scale, for example, address: Haidian District, Beijing City XX financial institution；It manages the time: 5 years；Mechanism reliability rating: A grades；
Scope of the enterprise: large enterprise etc..Loan user account information storage unit 204 includes address, operation time, businesses trust etc.
The information such as grade, scope of the enterprise, guaranty, for example, address: Haidian District, Beijing City XX enterprise；It manages the time: 3 years；Businesses trust etc.
Grade: A grades；Scope of the enterprise: medium-sized enterprise；Guaranty: 3 Unit 5 of Chaoyang District, Beijing City XX cell, 201 the commercial house house property etc..
The intelligent contract of the embodiment of the present invention constructs and dissemination method, the specific steps are as follows:
Financial service reliability rating determines: appraisal agency 7 obtains the business license, close of block Lian Shang financial institution 1 in real time
3 years financial statements and Audit Report, statistical report form, director will record, promise breaking records, the information such as record of making loans are assessed, and
Assessment data, reliability rating on dynamic update financial institution account information memory cell 105.
Appraisal agency 7 obtains business license, nearly 3 years financial statements and the audit report for the user 2 that provides a loan on block chain in real time
Announcement, nearly 3 years work summaries, perspective long-term plan, nearly 3 years statistical report forms, director will record, promise breaking records, delay refund record with
And other assessment relevant informations etc. are assessed, and dynamic updates the assessment number in loan user account information storage unit 204
According to, reliability rating.
The publication of financial service content: financial institution 1 is in loan scheme input unit 101 and target customer's input unit 102
The middle loan scheme for confirming oneself and the requirement to target user, loan user 2 confirm in loan wish input unit 201
The loan wish of oneself.Both parties are utilized respectively respective audit unit 103/202, by the demand information having confirmed that and difference
The account information binding being stored in account information storage unit 105/204, then be sent respectively to respective information and sent
Unit 104/203, then recommender system 3 is sent to by information transmitting unit 104/203.
Financial service matching: in the demand letter for receiving lending information transmitting unit 104 or loan information transmission unit 203
After breath, for recommender system 3 by matching algorithm to/loan information progress demand matching is put, financial institution 1 and loan user 2 are logical
Cross recommender system determined after further negotiating it is respective put/actual attribute and protocol contents of Loan Demand, recommend
The both parties of successful match and protocol contents are sent to intelligent contract construction platform by system 3.
The building of financial service intelligence contract: after the information for receiving the transmission of recommender system 3, intelligent contract construction platform 4
Pass through the corresponding intelligence of intelligent contract call parameter building determined in above-mentioned financial service issuing process and about 5.Constructed
After confirmation of the intelligent contract by safety detection and both parties, block chain 6 will be sent to.
Financial service information uploads block chain: after receiving intelligence and about 5, block chain 6 carries out this credit information
Cochain, and intelligent and about 5 execution are completed on block chain 6.
Intelligent contract develops and maintenance: consensus in both parties after intelligence and about 5 are deployed in block chain 6
In the case of, using the interface provided in block chain infrastructure, the evolution and maintenance for implementing intelligent contract are (more including contract
Newly, the operation such as revocation).
The intelligent Service transaction system proposed according to embodiments of the present invention can will be based on block chain and intelligent contract technology
Intelligent service system needed for various execution modules decoupled, be conducive to intelligent service system pool maintenance and safety
Analysis is conducive to system developer for specific execution module and carries out performance optimization and security enhancement.
In addition, term " first ", " second " are used for descriptive purposes only and cannot be understood as indicating or suggesting relative importance
Or implicitly indicate the quantity of indicated technical characteristic.Define " first " as a result, the feature of " second " can be expressed or
Implicitly include at least one this feature.In the description of the present invention, the meaning of " plurality " is at least two, such as two, three
It is a etc., unless otherwise specifically defined.
In the present invention unless specifically defined or limited otherwise, fisrt feature in the second feature " on " or " down " can be with
It is that the first and second features directly contact or the first and second features pass through intermediary mediate contact.Moreover, fisrt feature exists
Second feature " on ", " top " and " above " but fisrt feature be directly above or diagonally above the second feature, or be merely representative of
First feature horizontal height is higher than second feature.Fisrt feature can be under the second feature " below ", " below " and " below "
One feature is directly under or diagonally below the second feature, or is merely representative of first feature horizontal height less than second feature.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is included at least one embodiment or example of the invention.In the present specification, schematic expression of the above terms are not
It must be directed to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be in office
It can be combined in any suitable manner in one or more embodiment or examples.In addition, without conflicting with each other, the skill of this field
Art personnel can tie the feature of different embodiments or examples described in this specification and different embodiments or examples
It closes and combines.
Although the embodiments of the present invention has been shown and described above, it is to be understood that above-described embodiment is example
Property, it is not considered as limiting the invention, those skilled in the art within the scope of the invention can be to above-mentioned
Embodiment is changed, modifies, replacement and variant.
Claims (10)
1. a kind of intelligent Service transaction system characterized by comprising
Transaction Subjective and Objective information authentication module, for verifying transaction agent identity information and transaction object content information；
Transaction agent demand release module issues the demand of the transaction agent after being verified；
Intelligent Service transaction screening recommends and matching module, for the demand match trading both sides according to the transaction agent；
Transaction negotiation module, for auditing the both parties' according to the corresponding transaction object content information of the both parties
The determination of data information and further parameter transaction；
Intelligent contract signs module, for passing through in audit and after parameter transaction confirmation, completes the building of intelligent contract, wherein
The intelligence contract is deployed on block chain；And
The deployment of intelligent contract and genetic module, for after the completion of building, complete the deployment of the intelligent contract, follow-up maintenance with
Develop.
2. system according to claim 1, which is characterized in that further include:
Block chain infrastructure module, transaction agent identity and object content, registration user information, verifying transaction are believed for identification
Breath executes transaction and record transaction results.
3. system according to claim 2, which is characterized in that the block chain infrastructure module specifically includes:
Client layer, the client layer include demand publication, data verification, information record, contract customization and contract administration；
Management level, the management level include access-in management, node administration, exception management and contract administration；
Core layer, the core layer include common recognition mechanism, account book record, timing service, bond service, fragment mechanism, signer
Case and hash function；
Basal layer, the basal layer include storage scheme, peer-to-peer network and contract execution mechanism.
4. system according to claim 2, which is characterized in that transaction Subjective and Objective information authentication module include:
Transaction agent authentication platform, the content for being provided according to the block chain infrastructure module lead the transaction
Body carries out authentication；
Transaction object content verification platform, for verifying transaction object content information.
5. system according to claim 1, which is characterized in that the transaction agent demand release module includes multiple publications
Interface and demand display platform.
6. system according to claim 1, which is characterized in that the intelligence contract signs module and includes:
Intelligent contract construction platform, the intelligence contract construction platform provide multiple transaction options and input interface, are used for basis
The demand of the both parties generates the intelligent contract；
Contract safety examination facility, for carrying out safety examination to the intelligent contract；
Contract, which is delivered, checks and accepts platform, for after the intelligent contract is by safety examination, the intelligent contract to be visualized
It has been shown that, so that the both parties carry out visualization verifying to the intelligent contract.
7. system according to claim 1, which is characterized in that the intelligence contract deployment is also used to genetic module full
The content of the adjustment intelligent contract is updated when sufficient preset condition or terminates and cancel the intelligent contract in advance.
8. system according to claim 1, which is characterized in that further include:
Administration module, for supervising the transaction Subjective and Objective information authentication module, the transaction agent demand release module, described
Intelligent Service transaction screening, recommendation and matching module and the transaction negotiation module, to supervise the transaction of both parties' method
State and trading activity.
9. system according to claim 8, which is characterized in that further include:
Main body credit dynamic evaluation module is recorded in the information and block chain infrastructure obtained using the administration module
Transaction of essential information, financial statement and the Audit Report, promise breaking record and extension refund record of transaction agent to whole system
Main body carries out credit dynamic evaluation, and block chain is recorded in the result after assessment, to provide a user reliable transaction agent
Credit information.
10. system according to claim 9, which is characterized in that administration module is also used to supervise the main body credit dynamic
Evaluation module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910426202.5A CN110210968A (en) | 2019-05-21 | 2019-05-21 | Intelligent Service transaction system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910426202.5A CN110210968A (en) | 2019-05-21 | 2019-05-21 | Intelligent Service transaction system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110210968A true CN110210968A (en) | 2019-09-06 |
Family
ID=67788196
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910426202.5A Pending CN110210968A (en) | 2019-05-21 | 2019-05-21 | Intelligent Service transaction system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110210968A (en) |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111178826A (en) * | 2019-12-10 | 2020-05-19 | 中证信用云科技（深圳）股份有限公司 | Consumption financial risk management method based on block chain and cloud platform |
| CN111402051A (en) * | 2020-03-11 | 2020-07-10 | 深圳市成功快车科技有限公司 | Finance and tax transaction system based on block chain and big data |
| CN111581224A (en) * | 2020-05-09 | 2020-08-25 | 全球能源互联网研究院有限公司 | Power Internet of things service credibility evaluation method and system based on intelligent contract |
| CN111833185A (en) * | 2020-06-15 | 2020-10-27 | 广东工业大学 | Automatic transaction service system and method based on block chain |
| CN112182505A (en) * | 2020-09-09 | 2021-01-05 | 支付宝(杭州)信息技术有限公司 | Account compliance processing method and device |
| CN112418991A (en) * | 2020-11-26 | 2021-02-26 | 山西河广信息科技有限公司 | Multi-task allocation system and batch processing method based on dynamic data matching |
| CN113011973A (en) * | 2021-01-21 | 2021-06-22 | 北京航空航天大学 | Financial transaction supervision model, system and equipment based on intelligent contract data lake |
| CN113313592A (en) * | 2021-05-27 | 2021-08-27 | 中央财经大学 | Intelligent service transaction and supervision system based on block chain |
| CN113407188A (en) * | 2021-06-03 | 2021-09-17 | 广东辰宜信息科技有限公司 | Intelligent contract construction method and device, computer equipment and storage medium |
| CN114549212A (en) * | 2022-04-25 | 2022-05-27 | 武汉墨仗信息科技股份有限公司 | Intelligent transaction management method and system |
| CN116797181A (en) * | 2023-08-16 | 2023-09-22 | 江西倬慧信息科技有限公司 | Investment project management method, system, platform and readable storage medium |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107025602A (en) * | 2017-02-24 | 2017-08-08 | 杭州象链网络技术有限公司 | A kind of financial asset transaction system construction method based on alliance's chain |
| CN107038638A (en) * | 2017-02-24 | 2017-08-11 | 杭州象链网络技术有限公司 | A kind of equity registration transaction system construction method based on alliance's chain |
| CN108805656A (en) * | 2018-05-22 | 2018-11-13 | 北京京东尚科信息技术有限公司 | Supply-demand mode method, platform, system and computer readable storage medium |
| CN108805573A (en) * | 2018-04-21 | 2018-11-13 | 深圳市元征科技股份有限公司 | A kind of Information Authentication method, server and storage medium |
| CN109035014A (en) * | 2018-06-26 | 2018-12-18 | 上海数据交易中心有限公司 | Data transacting system |
| CN109074602A (en) * | 2018-05-31 | 2018-12-21 | 深圳市元征科技股份有限公司 | A kind of Second-hand Vehicle Transaction method and server |
| CN109242636A (en) * | 2018-09-26 | 2019-01-18 | 盈盈（杭州）网络技术有限公司 | A kind of data transacting system and its implementation based on block chain |
| CN109509078A (en) * | 2018-09-19 | 2019-03-22 | 平安科技（深圳）有限公司 | Debt-credit operation method, system, server and storage medium based on block chain |
| CN109684876A (en) * | 2018-12-01 | 2019-04-26 | 河南中欧企业咨询有限公司 | A kind of contract business management method and system based on block chain |
-
2019
- 2019-05-21 CN CN201910426202.5A patent/CN110210968A/en active Pending
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107025602A (en) * | 2017-02-24 | 2017-08-08 | 杭州象链网络技术有限公司 | A kind of financial asset transaction system construction method based on alliance's chain |
| CN107038638A (en) * | 2017-02-24 | 2017-08-11 | 杭州象链网络技术有限公司 | A kind of equity registration transaction system construction method based on alliance's chain |
| CN108805573A (en) * | 2018-04-21 | 2018-11-13 | 深圳市元征科技股份有限公司 | A kind of Information Authentication method, server and storage medium |
| CN108805656A (en) * | 2018-05-22 | 2018-11-13 | 北京京东尚科信息技术有限公司 | Supply-demand mode method, platform, system and computer readable storage medium |
| CN109074602A (en) * | 2018-05-31 | 2018-12-21 | 深圳市元征科技股份有限公司 | A kind of Second-hand Vehicle Transaction method and server |
| CN109035014A (en) * | 2018-06-26 | 2018-12-18 | 上海数据交易中心有限公司 | Data transacting system |
| CN109509078A (en) * | 2018-09-19 | 2019-03-22 | 平安科技（深圳）有限公司 | Debt-credit operation method, system, server and storage medium based on block chain |
| CN109242636A (en) * | 2018-09-26 | 2019-01-18 | 盈盈（杭州）网络技术有限公司 | A kind of data transacting system and its implementation based on block chain |
| CN109684876A (en) * | 2018-12-01 | 2019-04-26 | 河南中欧企业咨询有限公司 | A kind of contract business management method and system based on block chain |
Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111178826A (en) * | 2019-12-10 | 2020-05-19 | 中证信用云科技（深圳）股份有限公司 | Consumption financial risk management method based on block chain and cloud platform |
| CN111402051A (en) * | 2020-03-11 | 2020-07-10 | 深圳市成功快车科技有限公司 | Finance and tax transaction system based on block chain and big data |
| CN111581224B (en) * | 2020-05-09 | 2023-04-21 | 全球能源互联网研究院有限公司 | Intelligent contract-based power Internet of things service credibility assessment method and system |
| CN111581224A (en) * | 2020-05-09 | 2020-08-25 | 全球能源互联网研究院有限公司 | Power Internet of things service credibility evaluation method and system based on intelligent contract |
| CN111833185A (en) * | 2020-06-15 | 2020-10-27 | 广东工业大学 | Automatic transaction service system and method based on block chain |
| CN112182505A (en) * | 2020-09-09 | 2021-01-05 | 支付宝(杭州)信息技术有限公司 | Account compliance processing method and device |
| CN112182505B (en) * | 2020-09-09 | 2024-05-31 | 支付宝(杭州)信息技术有限公司 | Accounting compliance processing method and device |
| CN112418991A (en) * | 2020-11-26 | 2021-02-26 | 山西河广信息科技有限公司 | Multi-task allocation system and batch processing method based on dynamic data matching |
| CN113011973B (en) * | 2021-01-21 | 2023-08-29 | 北京航空航天大学 | Method and equipment for financial transaction supervision model based on intelligent contract data lake |
| CN113011973A (en) * | 2021-01-21 | 2021-06-22 | 北京航空航天大学 | Financial transaction supervision model, system and equipment based on intelligent contract data lake |
| CN113313592A (en) * | 2021-05-27 | 2021-08-27 | 中央财经大学 | Intelligent service transaction and supervision system based on block chain |
| CN113407188A (en) * | 2021-06-03 | 2021-09-17 | 广东辰宜信息科技有限公司 | Intelligent contract construction method and device, computer equipment and storage medium |
| CN113407188B (en) * | 2021-06-03 | 2024-02-09 | 广东辰宜信息科技有限公司 | Intelligent contract construction method and device, computer equipment and storage medium |
| CN114549212A (en) * | 2022-04-25 | 2022-05-27 | 武汉墨仗信息科技股份有限公司 | Intelligent transaction management method and system |
| CN114549212B (en) * | 2022-04-25 | 2022-08-02 | 武汉墨仗信息科技股份有限公司 | Intelligent transaction management method and system |
| CN116797181A (en) * | 2023-08-16 | 2023-09-22 | 江西倬慧信息科技有限公司 | Investment project management method, system, platform and readable storage medium |
| CN116797181B (en) * | 2023-08-16 | 2024-02-13 | 江西倬慧信息科技有限公司 | Investment project management method, system, platform and readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110210968A (en) | Intelligent Service transaction system | |
| CN112235114B (en) | Block chain-based service processing system | |
| US20240119463A1 (en) | System and method for managing transactions in dynamic digital documents | |
| WO2020010926A1 (en) | Blockchain credit or digital certificate-based financing mode method | |
| CN107369008A (en) | For improving management method, the apparatus and system of bill business security | |
| CN112685766B (en) | Enterprise credit investigation management method and device based on block chain, computer equipment and storage medium | |
| CN109325852A (en) | Loan data processing method, device, equipment and storage medium based on block chain | |
| US20200410583A1 (en) | Financial regulatory compliance platform | |
| CN110443701A (en) | The logical card management method of one kind, supply chain financial system and electronic equipment | |
| CN110458700A (en) | The logical card generation method of one kind, supply chain financial system and electronic equipment | |
| WO2021253815A1 (en) | Blockchain-based credit enhancement financing platform system and method and storage medium | |
| CN113067879B (en) | Business service method and device based on multiple business service parties and financial system | |
| Tang et al. | Toward a distributed carbon ledger for carbon emissions trading and accounting for corporate carbon management | |
| CN111738844A (en) | Resource allocation system, method and device based on block chain | |
| KR102269812B1 (en) | System for providing blockchain based drawing transaction service | |
| CN110400224A (en) | A kind of over-the-counter bond trade clearing system and method based on license chain | |
| Yadav et al. | An IAD type framework for Blockchain enabled smart tourism ecosystem | |
| CN112632186A (en) | Block chain consensus method, computer equipment and block chain system | |
| CN111008903A (en) | Block chain-based credit insurance accrual pledge financing system and method | |
| Zetzsche et al. | DLT-based enhancement of cross-border payment efficiency–a legal and regulatory perspective | |
| CN115605893A (en) | System, apparatus and method for tracking certified clean energy using blockchains | |
| CN114862110A (en) | Method and device for building middle platform of commercial banking business, electronic equipment and storage medium | |
| Sagarik | Rethinking and reshaping Thailand’s national e-payment in the post-covid era | |
| Toffano et al. | E-shekels across borders: a distributed ledger system to settle payments between Israel and the West Bank | |
| CN113674084B (en) | Block chain-based real estate mortgage financing method, system, equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190906 |