CN110288452A - A kind of asset data management system, method and calculate equipment - Google Patents
A kind of asset data management system, method and calculate equipment Download PDFInfo
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- CN110288452A CN110288452A CN201910467157.8A CN201910467157A CN110288452A CN 110288452 A CN110288452 A CN 110288452A CN 201910467157 A CN201910467157 A CN 201910467157A CN 110288452 A CN110288452 A CN 110288452A
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Abstract
The present invention discloses a kind of asset data management system, method and calculates equipment.The asset data management system, including client server module, network management module, business support module and core account module, wherein client server module be used for receive user open an account and Asset operation request；The core account module establishes the system account of user according to the account opening request and user-association bank is notified to be associated with corresponding bank account；Business support module is used to be requested to carry out Asset operation decision according to the Asset operation, notifies the user by network management module, in response to user's operation, executes corresponding Asset operation by the core account module.
Description
Technical field
The present invention relates to internet financial fields, more particularly, to a kind of asset data management system, method and calculating
Equipment.
Background technique
In internet financial industry, a series of synthesis finance service means of services.Such as typically there is multi-party industry
For the factoring industry of business, the seller (supplier) by it now or the cargo concluded based on itself and buyer (core enterprise) in future
Accounts receivable caused by sale/service contract transfers factoring quotient the financial institution of factoring service (provide), from factoring quotient to
A series of services such as its circulation of providing with funds, buyer's credit evaluation, sales account management, credit risk guarantee, funds on account collection
Comprehensive finance service means.
Publication No. CN109410037A entitled " a kind of Supply chain financing system based on factoring " provides a kind of base
In the Supply chain financing system of factoring, including core enterprise's module, financing enterprise module, financial institution's module and financing services mould
Block.The system is able to solve the problem of existing industrial chain upstream and downstream firms financing difficulties and Supply chain financing inefficiency.
However, although above system generally solves the problems, such as presence under line on Supply chain financing transfer internet
Air control grade need to be pre-set, and air control is not flexible, the risk control problem of bad fiduciary loan；Meanwhile supplier, core enterprise
The problems such as industry, factoring quotient cannot share with each side, bank, and clearing is caused to pay interest not in time.
Summary of the invention
This patent aims to overcome that at least one of problems of the prior art, first aspect provide one kind
Asset data management system, including client server module, network management module, business support module and core account module, wherein
Client server module be used for receive user open an account and Asset operation request；
The core account module establishes the system account of user according to the account opening request and notifies user-association bank
It is associated with corresponding bank account；
Business support module is used to be requested to carry out Asset operation decision according to the Asset operation, is notified by network management module
The user executes corresponding Asset operation by the core account module in response to user's operation.
Optionally, the core account module is based on the corresponding accountant item number of correspondent bank and formulates subject dictionary, according to
The subject dictionary establishes subject contrast relationship table, for the account prefix that each account design is specified, for every kind of assets
Operation scenario sets up the corresponding account started with the account prefix, and transmitting bank establishes corresponding account, the silver with user
Row card association records the Asset operation in real time.
Optionally, which further includes block chain module, and the block chain module includes
Business submodule, including user open an account unit, user operation unit and assets information query unit；
Block chain Attendant sub-module, including open an account setting unit and assets information recording unit, wherein
User opens an account unit for collecting the company information of user to be opened an account；
Setting unit of opening an account is used to generate and the secret key pair of the user-association and the secret key pair is arranged is directed to the user
The operating right of account, so that account information is submitted to affiliated block chain, with generating the corresponding account block chain of the user
Location and all nodes by the account block chain address in block chain are broadcasted；
User operation unit is used to submit the account to the assets information recording unit in response to user's operation
Assets information change request；
Assets information recording unit by the assets information of user change request, account block chain address, secret key pair with
And assets change corresponding association user account block chain address and are committed to the block chain, so that block chain is to the assets
Information recording unit returns to change mark so that assets information described in assets information recording unit records changes；
Assets information query unit is used for the input in response to change mark and inquires the assets information and change.
Optionally, the business support module includes: air control scene configuration module, air control model, data center and air control
Decision engine, wherein
The business scenario that air control scene configuration module is used to be provided according to operation system sends to the air control model and requests
To judge whether existing corresponding air control rule；
If it does not exist, then air control scene configuration module increases in its visual configuration interface in response to the operation of operator
Add corresponding air control scene card and increases attributes section in the air control scene card and configure the corresponding wind of the attributes section
Regulatory control then, and requests the rule air control model is added；
Air control decision engine calls corresponding air control rule in the air control model, according to the attribute of the air control rule from
The data center obtains the corresponding value of the attribute, and air control decision is formed compared with preset value according to described value.
Optionally, each air control scene, corresponding air control scene card and corresponding air control rule pass through unifying identifier
It is associated；
The attributes section is associated by Property Name with the attribute of corresponding air control rule.
Optionally, the data center includes business datum, air control supplemental characteristic and third party's data,
The air control decision engine is configured as obtaining the corresponding business of the attribute according to the attribute of the air control rule
The value of data forms air control compared with the preset value of air control supplemental characteristic or the preset value of third party's data according to described value
Decision.
Another aspect of the present invention provides a kind of asset data management system, including client server module, network management module, industry
Business supporting module, core account module and block chain module, wherein
Client server module be used for receive user open an account and Asset operation request；
The core account module establishes the system account of user according to the account opening request and notifies user-association bank
It is associated with corresponding bank account；
Business support module is used to be requested to carry out Asset operation decision according to the Asset operation, is notified by network management module
The user executes corresponding Asset operation by the core account module in response to user's operation；
Wherein, the block chain module includes
Business submodule, including user open an account unit, user operation unit and assets information query unit；
Block chain Attendant sub-module, including open an account setting unit and assets information recording unit, wherein
User opens an account unit for collecting the company information of user to be opened an account；
Setting unit of opening an account is used to generate and the secret key pair of the user-association and the secret key pair is arranged is directed to the user
The operating right of account, so that account information is submitted to affiliated block chain, with generating the corresponding account block chain of the user
Location and all nodes by the account block chain address in block chain are broadcasted；
User operation unit is used to submit the account to the assets information recording unit in response to user's operation
Assets information change request；
Assets information recording unit by the assets information of user change request, account block chain address, secret key pair with
And assets change corresponding association user account block chain address and are committed to the block chain, so that block chain is to the assets
Information recording unit returns to change mark so that assets information described in assets information recording unit records changes；
Assets information query unit is used for the input in response to change mark and inquires the assets information and change；
And wherein
The core account module is based on the corresponding accountant item number of correspondent bank and formulates subject dictionary, according to the subject
Dictionary establishes subject contrast relationship table, for the account prefix that each account design is specified, for every kind of Asset operation scene
The corresponding account started with the account prefix is set up, transmitting bank establishes corresponding account, is associated with the bank card of user
The Asset operation is recorded in real time.
Third aspect present invention provides a kind of assets transfer method using system described in second aspect, including
User's unit of opening an account collects the assets information of user registration in account in response to user's logon account；
Assets information recording unit searches account block chain address and secret key pair according to the company information of login user, will
Assets information, account block chain address and the secret key pair of user registration submit request to block chain；
Assets information recording unit carries out the request of the transfer to interlock account in response to user to the assets information of registration
The assets information of user registration, account block chain address, secret key pair, interlock account block chain address are committed to block chain；
Block chain returns to assets transfer mark so that assets information recording unit records to assets information recording unit
The transinformation.
Fourth aspect present invention provides a kind of asset data management method, including
Client server module be used for receive user open an account and Asset operation request；
Core account module establishes the system account of user according to the account opening request and user-association bank is notified to be associated with
Corresponding bank account；
Business support module is used to be requested to carry out Asset operation decision according to the Asset operation, is notified by network management module
The user executes corresponding Asset operation by the core account module in response to user's operation.
Fifth aspect present invention provides a kind of calculating equipment, including processor, executes method described in fourth aspect.
Beneficial effects of the present invention are as follows:
System and method through the invention, user, such as supplier, core enterprise, factoring quotient and each side, bank can
Share asset data information.Further, core fiscal module through the invention, enables to the fund of factoring quotient and bank
Account synchronized update, so as to solve the problems, such as that clearing are paid interest not in time.In addition, air control scene configuration mould through the invention
Block enables to risk rule configuration visualization, simple timely.Further, block chain module through the invention, so that more
The change of square asset data is more credible.
Detailed description of the invention
Specific embodiments of the present invention will be described in further detail with reference to the accompanying drawing.
Fig. 1 is the block diagram according to the asset data management system 1 of the embodiment of the present invention；
Fig. 2 is the block diagram according to the block chain module of the embodiment of the present invention；
Fig. 3 is the block diagram according to the air control module of the embodiment of the present invention；
Fig. 4 is the schematic diagram according to the air control scene card of the embodiment of the present invention；
Fig. 5 is the air control method flow diagram according to the embodiment of the present invention；
Fig. 6-8 is the core account module application interface screenshot according to the embodiment of the present invention；
Fig. 9 is the calculating equipment block diagram according to the embodiment of the present invention.
Specific embodiment
In order to illustrate more clearly of the present invention, the present invention is done further below with reference to preferred embodiments and drawings
It is bright.Similar component is indicated in attached drawing with identical appended drawing reference.It will be appreciated by those skilled in the art that institute is specific below
The content of description is illustrative and be not restrictive, and should not be limited the scope of the invention with this.
Still by taking factoring business as an example, as shown in Figure 1, asset data management system 1 of the invention can be with framework in factoring quotient
Server on, including client server module 10, network management module 11, business support module 12, block chain module 13, core account
Business module 14.
Core enterprise A open one with letter (registration that content includes the data such as trade relations, sales contract, invoice) and
It opens to affix one's seal in agreement and is sent to client server module 10.The asset management system passes through the agreement that network management module 11 affixes one's seal this
It is sent to supplier B, supplier B is signed in the account of itself in systems and confirmation of affixing one's seal on opening agreement.
In some cases, part may be transferred to supplier C with the letter amount of money (A is registered to B with letter) by supplier B, and
It affixes one's seal on agreement of transfer, supplier C is signed in its account in systems and affixed one's seal on agreement of transfer.
What supplier B and C relied on that core enterprise A opens proposes financing application to factoring quotient D with letter, and factoring quotient passes through industry
Business supporting module 12 provides financing rate and gives supplier B and C, and B and C receive scheme, and factoring quotient generates contract and affixes one's seal, supplier
B and C affixes one's seal again on the contract after factoring quotient affixes one's seal, and the execution of contract, factoring quotient makes loans.Alternatively, factoring quotient passes through business branch
Hold mode block 13 docks financial institution, such as bank, transfers the possession of authority according to the financing enterprise accounts receivable that application provides of making loans and goes pair
Funds source is connect, and then operation of making loans is carried out to financing enterprise.
In one embodiment of the invention, in order to guarantee transaction can not tamper, each of the above step operation is ok
On block chain where being uploaded to typing information by block chain module 13.
In fact, system of the invention can be realized user in addition to realizing that user applies for loan, the function that factoring quotient crowd borrows
The trustship business of assets and any operation to its assets of user can be recorded by system, the affiliated party of the user, which can also pass through, is
System is inquired.
Specifically, enterprise A, supplier B, supplier C, factoring quotient D pass through the Assets Reorganization Taking that is installed on factoring quotient's server
Block chain is added in reason system.
As shown in Fig. 2, the block chain module 13 includes:
Service sub-system 131, including user open an account unit, user operation unit and assets information query unit；
Block chain service subsystem 133, including open an account setting unit and assets information recording unit, wherein
User opens an account unit for collecting the company information of user to be opened an account；
Setting unit of opening an account is used to generate and the secret key pair of the user-association and the secret key pair is arranged is directed to the user
The operating right of account, so that account information is submitted to affiliated block chain, with generating the corresponding account block chain of the user
Location and all nodes by the account block chain address in block chain are broadcasted；
User operation unit is used to submit the account to the assets information recording unit in response to user's operation
Assets information change request；
Assets information recording unit by the assets information of user change request, account block chain address, secret key pair with
And assets change corresponding association user account block chain address and are committed to the block chain, so that block chain is to the assets
Information recording unit returns to change mark so that assets information described in assets information recording unit records changes；
Assets information query unit is used for the input in response to change mark and inquires the assets information and change.
Wherein assets change includes assets registration, assets transfer etc., that is, corresponds to creation, additions and deletions, the change of assets information
Etc. operation.Such as since the assets that procurement business generates change between supplier B and supplier C.
Preferably, secret key pair is generated by rsa encryption process.
Fast using RSA cryptographic algorithms speed, the characteristic that hardly possible cracks will after carrying out scrambled to complete verification process
The coding is added in block chain, not only ensure that the publicity of whole process but also has been ensured the privacy of user, has avoided simultaneously
The problem of denial.
Further, the RSA cryptographic algorithms are that the plaintext generated using the public key of user to verification process is encrypted,
And it can only be decrypted with the private key of user and obtain entire verification process information.
By using block chain technology, it can guarantee that assets information is not tampered, and supplier B can become by assets
Identify such as transaction id more to monitor the change of assets.Other association users such as factoring quotient D, supplier C when needed may be used
To provide assets modification information by the system.
In a preferred embodiment, the change mark is sent to the block chain property of can choose to association user account
Know, as long as the account that the association user logs in itself can be identified by the change is inquired the assets modification information, simultaneously because
Using block chain technology, which is that authentic and valid can not distort.
In a preferred embodiment, the setting unit of opening an account is described more for the multiple secret key pairs of same account setup
A secret key pair corresponds to different account operation permissions.
This mainly considers that an enterprise creates an account, modifies company information, modification assets information, these operations generally require
It is handled by different people, different people has different permissions, such as creates an account permission, and in the present system, threshold value is set as
10, only threshold value is more than 10 could have the permission created an account.
In general, being taken care of for the secret key pair that user generates by user itself, in an embodiment of the present invention, due to as putting
The factoring quotient of credit side, needs especially to pay close attention to the service condition made loans, and therefore, in a preferred embodiment of the invention, which deposits
Storage is in the database of the system, to facilitate unified management.
Next, still by taking supplier B as an example, introduce respectively open an account, assets cochain, assets transfer and asset search mistake
Journey.
It opens an account
Another aspect of the present invention provides a kind of method opened an account using above system progress user, including
User's unit of opening an account collects the company information of supplier B to be opened an account, such as unified business standing code, enterprise's name
Claim, enterprise's description, mechanism number；
Simultaneously the account that the secret key pair is directed to the user is arranged in setting unit of opening an account generation and the associated secret key pair of the supplier B
The operating right at family, to submit account information to affiliated block chain；
The block chain generates the corresponding account block chain address of the user and by the account block chain address in area
All nodes of block chain are broadcasted.
Opening an account in systems is completed by above step supplier B.Supplier B can also invite affiliated enterprise at this
It respectively completes to open an account in system.
Assets register cochain
Another aspect of the present invention provides a kind of method for carrying out assets registration cochain using above system, including
User's unit of opening an account logs in its account in response to supplier B and collects the assets information of user registration in account；
Assets information recording unit is (such as transaction record, receivable/should to pay a bill according to the company information of login user
Money), account block chain address and secret key pair are searched, the assets information of user registration, account block chain address and secret key pair are mentioned
Hand over request to block chain；
Block chain returns to assets registration mark so that assets information recording unit records to assets information recording unit
Assets register information.
Wherein, it searches secret key pair and depends on secret key pair storage wherein, if user itself stores, user uploads secret key pair
To service sub-system until block chain；If being stored in the database of the foregoing description, searched from the database.
In a preferred embodiment,
User passes through short message verification code logon account；
Assets information recording unit extracts the public key for needing the user for the assets information being written, and the assets for needing to be written are believed
Breath is encrypted by public key；
Each node verifies the legitimacy for submitting request, after verification, new number by common recognition mechanism in block chain
It is added to according to block on the data memory node of the user.
Assets transfer
Another aspect of the present invention provides a kind of assets transfer method using above system, including
User's unit of opening an account collects the assets information of user registration in account in response to user's logon account；
Assets information recording unit searches account block chain address and secret key pair according to the company information of login user, will
Assets information, account block chain address and the secret key pair of user registration submit request to block chain；
Assets information recording unit carries out the request of the transfer to interlock account in response to user to the assets information of registration
The assets information of user registration, account block chain address, secret key pair, interlock account block chain address are committed to block chain；
Block chain returns to assets transfer mark so that assets information recording unit records to assets information recording unit
The transinformation.
Asset search
Another aspect of the present invention provides a kind of method for carrying out asset search using above system, including
Assets information query unit identifies to assets information recording unit according to the change and sends inquiry request.
Optionally, the method, including
Inquiry user logs in itself account by short message verification code, and the assets modification information of association user is read in request；
The request is submitted to block chain by assets information recording unit；
Each node verifies the legitimacy for submitting request, after verification, the pass by common recognition mechanism in block chain
The data being combined in the data block connected on the data storage node at family are sent to the inquiry user node；
The inquiry user is decrypted the data in data block using own private key, obtains corresponding data.
By block chain module, the private key that the operation of every step requires user can just be registered to the block chain account of oneself, such as
Operator does not recognize, can inquire in block catenary system, this technology solves enterprise in finance process using the characteristic of block chain
The problem of trust.And stamping need user mobile phone receive identifying code, every portion be all it is transparent, have good grounds.
Since the business scenario variation of internet financial field is fast, applicant have observed that, current internet financial field,
There are no one kind can be according to the scheme of business scenario dynamic configuration air control rule, such as patent Shen described in the background
It is that air control rule is had cured for fixed service scene, system need to only check whether to meet air control grade and determine in scheme please
Surely batch loan is carried out.In this case, even if background maintenance personnel can be notified to carry out new volume according to new business scenario afterwards
Journey, it is apparent that inefficiency.
In order to solve this problem, in a specific example, as shown in figure 3, business support module 12 further includes air control
Module 121, comprising: air control scene configuration module 1211, air control model 1213, data center 1215 and air control decision engine
1217。
Enterprise customer applies for loan in the asset management system, needs to provide company information i.e. business license to system and believe
Breath and legal representative's identity information.These information are sent to air control module of the invention by client server module 10, are stored in
In data center 1215.
Air control scene configuration module 1211 sends to air control model 1213 and requests, and request air control model 1213 judges the business
Scene, that is, enterprise customer applies for that loan with the presence or absence of the air control rule for the scene, such as exists pair in current air control model
In following rule: enterprise customer's loan needs that third party's such as day eye is called to look into api interface to check enterprise's reference, calls public security
System api interface checks legal representative's identity information, if indicted number involved in enterprise's reference is more than 5 times or method
The age that people represents, then refusal batch was borrowed more than 65 years old, is then criticized loan on the contrary and is passed through, then air control decision engine is according to the air control scene
The corresponding air control rule of air control scene described in the air control model is called, according to the attribute of the air control rule from the data
Center obtains the corresponding value of the attribute, and air control decision is formed compared with preset value according to described value.Specifically, air control is determined
Plan engine receives the Default Probability of air control model output, air control scoring, and is made a policy judgement based on request for data, judging result
It will be as the result examined automatically.
Specifically, in an embodiment of the present invention, the air control scene configuration module 1211 is in a manner of configuration interface
Front-end customer attendant is now given, the configuration interface includes air control scene card, as shown in figure 4, the air control scene card includes
Corresponding to the attributes section function key of the air control scene, still by taking above-mentioned enterprise customer applies for loan as an example, there are enterprises
Loan air control scene card assigns mark #001, wherein includes attributes section card in the scene card, can pull down dish with attributes section
Single mode is presented, and is selected including " corporate social unifies credit code " attributes section and " legal representative's identification card number " attribute
?.The air control scene configuration module model of meridional wind control is transmitted across request before this is also meaned that, establishes air control scene and matches
The association of module and air control model is set, and there are corresponding air control rule in air control model, it otherwise will not in drop-down menu
There is above-mentioned two attributes section.It will be appreciated by those skilled in the art that attributes section card can also be with the shape for the text box that tiles
Formula is presented, and only drop-down menu is conducive to save display space.There is how many belong to still by taking drop-down menu as an example, in drop-down menu
Property option, then meaning air control model, there are corresponding air control rules.For being identified as the air control scene card of #001, air control module
There is the air control rule set indexed with same mark in model, which includes the rule for different attribute option in scene card
Then.It will be appreciated by those skilled in the art that rule set is without being limited thereto according to obstructed business scenario, it can also include that number limits
System rule, blacklist rule, white list rule etc..
It, then can be in referring now to the attributes section when selecting an attributes section in combobox and clicking " > " on right side
Air control rule prompt, such as " call day eye look into api interface to check enterprise's reference, if prosecuted involved in enterprise's reference
Number be more than 5 times, then refusal batch borrow, then criticize loan on the contrary and pass through ".
When policy or business demand have change, such as the Banking Supervision Commission requires single transfer amounts to be more than 50,000 yuans, belong to
Wholesale is transferred accounts, and manual examination and verification are needed, and is equally under the business scenario that enterprise's application is provided a loan, and air control scene is but changed, and is needed
Newly increase air control rule.So, using the system of the application, it is only necessary to the wind in mark #001 by front-end customer attendant
It controls in scene card and clicks " increasing attributes section card ", such as be named as " transfer amounts " and configuration rule " more than 50,000 yuans
Turn manual examination and verification ", in this way, the attributes section card and its air control rule are saved in above-mentioned drop-down menu, meanwhile, air control scene
Configuration module is initiated to request to air control model, which is added air control model.
After the technical staff for being responsible for maintenance backstage then obtains request prompt, air control decision engine is configured to manual examination and verification personnel
Push audit request.As it can be seen that according to the solution of the present invention, each air control scene, corresponding air control scene card and corresponding air control
Rule is associated by unifying identifier.Attributes section is associated by Property Name with corresponding air control rule.
Using system of the invention, the foreground attendant for being responsible for maintenance client can be timely in the form of editable interface
Ground according to service conditions update air control scene and air control rule, be responsible for maintenance backstage technical staff mostly just need pay close attention to and
It safeguards air control system, needs only to modify air control policy engine (such as above-mentioned example for needing manual examination and verification) once in a while.In reality
In work, the number of foreground attendant is often more more than the technical staff of background maintenance, using system of the invention, effectively
Solves the awkward situation that waiting task " siltation " arrives background maintenance personnel.
It is that business scenario is constant above, how increases the example of attributes section card.In some cases, such as above-mentioned interconnection
Net financial platform needs to increase personal loan operational plate, then business scenario and air control scene are also required to make change.
Using the system of the application, such as shown in Fig. 4, it is only necessary to click the wind of mark #001 by front-end customer attendant
Beside control scene card+number, then air control scene configuration module increases a new air control scene card, assigns mark #002, initially
There is no any attributes section card in the stage scene card, clicks " increasing attributes section card " in newly-built scene card, it can be in bullet
Increase attribute information in text box out, in this way, system is distinguished from the text write automatically by the methods of machine learning
The attribute of the attributes section card and its air control rule will be saved in drop-down menu.Such as by judging " belonging to for statement prelude
Property: " and the hard return symbol of ending judge therebetween for attribute definition, by judge " air control is regular " of statement prelude and ending up
Hard return accords with judging therebetween as the definition of air control rule.Meanwhile air control scene configuration module is initiated to request to air control model, by this
Air control model is added in rule, then also there is attribute and its corresponding air control rule in air control model accordingly.
Optionally, above-mentioned business datum, the air control supplemental characteristic in air control rule set and from third party's api interface obtain
Third party's data are stored in data center, facilitate the management of platform.
The air control decision engine is configured as obtaining the corresponding business of the attribute according to the attribute of the air control rule
The value of data forms air control compared with the preset value of air control supplemental characteristic or the preset value of third party's data according to described value
Decision.
Optionally, the business support module 12 further includes air control warning module, the ratio of described value and preset value less
Air control decision engine carries out air control warning module described in decision instruction and carries out early warning when meeting the first preset condition.
Optionally, the business support module 12 further includes air control warning data enquiry module, for for being mentioned by early warning
The business shown carries out data query.
Optionally, the business support module 12 further includes air control report generation module, for rendering the air control decision
Related data.Specifically, the dynamic configuration and ensured sustained development to realize air control system integrate, and develop management system to these wind
Control carries out dynamic management, and is shown to air control result, forms the air control report of customizable.
As shown in figure 5, the present invention also provides a kind of air control methods, including
Air control scene configuration module is according to the corresponding air control scene of business scenario dynamic configuration of operation system；
Air control decision engine calls the corresponding air control of air control scene described in the air control model according to the air control scene
Rule obtains the corresponding value of the attribute from the data center according to the attribute of the air control rule, according to described value and in advance
If the comparison of value and form air control decision.
Optionally,
According to increased air control scene is intended to, the operation of extension key is clicked in response to air control personnel, the configuration interface increases
Corresponding air control scene card simultaneously assigns a mark；
In response to air control personnel in the increased air control scene foundation or selection operation, the increased air control scene card
Increase corresponding attributes section function key and assign Property Name,
Wherein the mark and Property Name are sent to air control model so as to by each air control scene, corresponding wind
It is associated by the mark to control scene card and corresponding air control rule, and by the attributes section function key and corresponding wind
The attribute of regulatory control then is associated by Property Name.
For user, this system not only records it and the financial business of system is come and gone, in fact, the operation of its all assets
The system can be hosted in.
In a specific embodiment, core account module 11 is used for the inside in the system of user such as supplier B
Account management account management of bank corresponding with its.Subject dictionary is formulated according to accounting item number as defined in bank, such as Fig. 6 institute
Show.Fig. 7 is that the subject in the system specified in user's finance trustship method according to accounting item dictionary as defined in bank compares
The interface screenshot of relation table.Specified account prefix is all devised for each subject being related in system, is in the later period
In use, every kind of revenue and expenditure scene can all open the correspondence account that an account prefix with design starts, bank establishes to be corresponded to system
Account, account is identical, is associated with the bank card of user.
If user sends the fund in instruction operation account on the inter-account of oneself, system sends identifying code to visitor
On the mobile terminal at family, after client inputs correct identifying code, system transmit a request to banking system, and bank's processing is inquired in timing
State, bank is by the corresponding allocation of the funds.If processing failure in rollback this system typing information, so realize system
With the remaining sum stationary problem of bank.
Fig. 8 is the interface screenshot of the accounting entry designed in this system according to accounting item and subject relationship table, right
Answer the practical debt-credit in system to operate, the transaction in all systems can regard the relationship of credit and debit as, one borrow one borrow or
Over-borrowing is borrowed more, is determined with specific reference to business scenario, and the debtor-creditor relationship occurred every time can all have book keeping operation, ensure that every fund is received
Integrity, reasonability and the trackability of branch.
It requires run eventually day criticizing (to regularly send bank and carry out cutting for same day All Activity according to financial counting in this system
Daily settlement), general ledger report is generated, the All Activity detail and total value occurred before being inquired according to periods such as dates,
And detailed content can be printed, it as Corporate Finance with the foundation of trust bank's reconciliation, is checked, is guaranteed again daily daily
The consistency problem of transaction amount and bank's registration.
Therefore, the asset management system of the invention uses account trustship mechanism, solves reconciliation is difficult, account system is unsound etc.
Problem.
This account trustship mode can be adapted for docking with each bank, by internal account module, generate a set of
Internal account, the information that real-time typing transaction generates generate detailed detail for being checked with bank, and to Corporate Finance
Report checks Transaction Information with bank for finance, it is ensured that the consistency of fund provides very greatly for the account verification of company
Help.
In a preferred embodiment, user wants to operate the fund in account, when client opens an account in systems, to the Shen CFCA
U-key please be issue, after obtaining U-key, using U-key login system webpage, (such as user turns to all operations of system
Account, including the amount of money, payee, requestee, service charge, the data of time etc.) endorse by U-key (such as it is non-
Symmetric cryptography prevents data to be not tampered in transmission process), the sign test server module of Xiang Pingtai sends checking request, tests
After demonstrate,proving successfully, platform transmit a request to banking system, and bank is by the corresponding allocation of the funds.
There is also the schemes of short message and U-key by existing banking system and two side of bank-user, but these methods are at present also not
Between the parties applied to financing platform, bank and client, tripartite can improve the safety of platform using such scheme.
It will be appreciated by those skilled in the art that user's Asset operation of any trustship can block chain through the invention
Module carries out chained record, accomplishes to have good grounds, and can not distort.
Another embodiment of the present invention provides a kind of computer readable storage mediums, are stored thereon with computer journey
Sequence, the program are executed by processor the above method.
In practical applications, the computer readable storage medium can be using one or more computer-readable media
Any combination.Computer-readable medium can be computer-readable signal media or computer readable storage medium.It calculates
Machine readable storage medium storing program for executing can for example be but not limited to system, device or the device of electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor
Part, or any above combination.The more specific example (non exhaustive list) of computer readable storage medium includes: to have
The electrical connection of one or more conducting wires, portable computer diskette, hard disk, random access memory (RAM), read-only memory
(ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-
ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.It is computer-readable to deposit in this in real time example
Storage media can be any tangible medium for including or store program, which can be commanded execution system, device or device
Part use or in connection.
Computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.
The program code for including on computer-readable medium can transmit with any suitable medium, including but not limited to without
Line, electric wire, optical cable, RF etc. or above-mentioned any appropriate combination.
The computer for executing operation of the present invention can be write with one or more programming languages or combinations thereof
Program code, described program design language include object oriented program language-such as Java, Smalltalk, C++,
It further include conventional procedural programming language-such as " C " language or similar programming language.Program code can be with
It fully executes, partly execute on the user computer on the user computer, being executed as an independent software package, portion
Divide and partially executes or executed on a remote computer or server completely on the remote computer on the user computer.?
Be related in the situation of remote computer, remote computer can pass through the network of any kind --- including local area network (LAN) or
Wide area network (WAN)-be connected to subscriber computer, or, it may be connected to outer computer (such as mentioned using Internet service
It is connected for quotient by internet).
As shown in figure 9, another embodiment of the present invention provides a kind of computer equipment structural schematic diagram.Fig. 9 is aobvious
The computer equipment 3 shown is only an example, should not function to the embodiment of the present invention and use scope bring any restrictions.
As shown in figure 9, computer equipment 3 is showed in the form of universal computing device.The component of computer equipment 3 can wrap
Include but be not limited to: one or more processor or processing unit 16, system storage 28 connect different system component (packets
Include system storage 28 and processing unit 16) bus 18.
Bus 18 indicates one of a few class bus structures or a variety of, including memory bus or Memory Controller,
Peripheral bus, graphics acceleration port, processor or the local bus using any bus structures in a variety of bus structures.It lifts
For example, these architectures include but is not limited to industry standard architecture (ISA) bus, microchannel architecture (MAC)
Bus, enhanced isa bus, Video Electronics Standards Association (VESA) local bus and peripheral component interconnection (PCI) bus.
Computer equipment 3 typically comprises a variety of computer system readable media.These media can be it is any can be by
The usable medium that computer equipment 3 accesses, including volatile and non-volatile media, moveable and immovable medium.
System storage 28 may include the computer system readable media of form of volatile memory, such as arbitrary access
Memory (RAM) 30 and/or cache memory 32.Computer equipment 3 may further include other removable/not removable
Dynamic, volatile/non-volatile computer system storage medium.Only as an example, storage system 34 can be used for read and write can not
Mobile, non-volatile magnetic media (Fig. 9 do not show, commonly referred to as " hard disk drive ").Although being not shown in Fig. 9, Ke Yiti
For the disc driver for being read and write to removable non-volatile magnetic disk (such as " floppy disk "), and to moving non-volatile light
The CD drive of disk (such as CD-ROM, DVD-ROM or other optical mediums) read-write.In these cases, each driver
It can be connected by one or more data media interfaces with bus 18.Memory 28 may include that at least one program produces
Product, the program product have one group of (for example, at least one) program module, these program modules are configured to perform of the invention each
The function of embodiment.
Program/utility 40 with one group of (at least one) program module 42 can store in such as memory 28
In, such program module 42 include but is not limited to operating system, one or more application program, other program modules and
It may include the realization of network environment in program data, each of these examples or certain combination.Program module 42 is usual
Execute the function and/or method in embodiment described in the invention.
Computer equipment 3 can also be with one or more external equipments 15 (such as keyboard, sensing equipment, display 24 etc.)
Communication, can also be enabled a user to one or more equipment interact with the computer equipment 3 communicate, and/or with make this
Any equipment (such as network interface card, modem etc. that computer equipment 3 can be communicated with one or more of the other calculating equipment
Deng) communication.This communication can be carried out by input/output (I/O) interface 22.Also, computer equipment 3 can also pass through net
Network adapter 20 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network, such as because
Special net) communication.As shown in figure 9, network adapter 20 is communicated by bus 18 with other modules of computer equipment 3.It should be bright
It is white, although being not shown in Fig. 9, other hardware and/or software module can be used in conjunction with computer equipment 3, including but not limited to:
Microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and data are standby
Part storage system etc..
Processor unit 16 by the program that is stored in system storage 28 of operation, thereby executing various function application with
And data processing, such as realize a kind of execution above method provided by the embodiment of the present invention.
Obviously, the above embodiment of the present invention be only to clearly illustrate example of the present invention, and not be pair
The restriction of embodiments of the present invention may be used also on the basis of the above description for those of ordinary skill in the art
To make other variations or changes in different ways, all embodiments can not be exhaustive here, it is all to belong to this hair
The obvious changes or variations that bright technical solution is extended out are still in the scope of protection of the present invention.
Obviously, the above embodiment of the present invention be only to clearly illustrate example of the present invention, and not be pair
The restriction of embodiments of the present invention may be used also on the basis of the above description for those of ordinary skill in the art
To make other variations or changes in different ways, all embodiments can not be exhaustive here, it is all to belong to this hair
The obvious changes or variations that bright technical solution is extended out are still in the scope of protection of the present invention.
Claims (10)
1. a kind of asset data management system, it is characterised in that, including client server module, network management module, business support mould
Block and core account module, wherein
Client server module be used for receive user open an account and Asset operation request；
The core account module establishes the system account of user according to the account opening request and user-association bank is notified to be associated with
Corresponding bank account；
Business support module is used to be requested to carry out Asset operation decision according to the Asset operation, by described in network management module notice
User executes corresponding Asset operation by the core account module in response to user's operation.
2. system according to claim 1, which is characterized in that
The core account module is based on the corresponding accountant item number of correspondent bank and formulates subject dictionary, according to the subject dictionary
Subject contrast relationship table is established, for the account prefix that each account design is specified, every kind of Asset operation scene is set up
One corresponding account started with the account prefix, transmitting bank establishes corresponding account, is associated in real time with the bank card of user
Record the Asset operation.
3. system according to claim 1, which is characterized in that further include block chain module, the block chain module includes
Business submodule, including user open an account unit, user operation unit and assets information query unit；
Block chain Attendant sub-module, including open an account setting unit and assets information recording unit, wherein
User opens an account unit for collecting the company information of user to be opened an account；
Setting unit of opening an account be used for generates with the secret key pair of the user-association and be arranged the secret key pair for the user account
Operating right, thus to affiliated block chain submit account information, to generate the corresponding account block chain address of the user simultaneously
All nodes by the account block chain address in block chain are broadcasted；
User operation unit is used to submit the assets of the account to the assets information recording unit in response to user's operation
Information change request；
The assets information of the user is changed request, account block chain address, secret key pair and money by assets information recording unit
It produces and changes corresponding association user account block chain address and be committed to the block chain, so that block chain is to the assets information
Recording unit returns to change mark so that assets information described in assets information recording unit records changes；
Assets information query unit is used for the input in response to change mark and inquires the assets information and change.
4. system according to claim 1, which is characterized in that the business support module includes: air control scene configuration mould
Block, air control model, data center and air control decision engine, wherein
The business scenario that air control scene configuration module is used to be provided according to operation system sends request to the air control model to sentence
It is disconnected that whether existing corresponding air control is regular；
If it does not exist, then air control scene configuration module increases pair in response to the operation of operator in its visual configuration interface
The air control scene card answered simultaneously increases attributes section in the air control scene card and configures the corresponding air control rule of the attributes section
Then, it and requests the rule air control model is added；
Air control decision engine calls corresponding air control rule in the air control model, according to the attribute of the air control rule from described
Data center obtains the corresponding value of the attribute, and air control decision is formed compared with preset value according to described value.
5. system according to claim 4, which is characterized in that
Each air control scene, corresponding air control scene card and corresponding air control rule are associated by unifying identifier；
The attributes section is associated by Property Name with the attribute of corresponding air control rule.
6. system according to claim 4 or 5, which is characterized in that the data center includes business datum, air control parameter
Data and third party's data,
The air control decision engine is configured as obtaining the corresponding business datum of the attribute according to the attribute of the air control rule
Value, form air control compared with the preset value of air control supplemental characteristic or the preset value of third party's data according to described value and determine
Plan.
7. a kind of asset data management system, it is characterised in that, including client server module, network management module, business support mould
Block, core account module and block chain module, wherein
Client server module be used for receive user open an account and Asset operation request；
The core account module establishes the system account of user according to the account opening request and user-association bank is notified to be associated with
Corresponding bank account；
Business support module is used to be requested to carry out Asset operation decision according to the Asset operation, by described in network management module notice
User executes corresponding Asset operation by the core account module in response to user's operation；
Wherein, the block chain module includes
Business submodule, including user open an account unit, user operation unit and assets information query unit；
Block chain Attendant sub-module, including open an account setting unit and assets information recording unit, wherein
User opens an account unit for collecting the company information of user to be opened an account；
Setting unit of opening an account be used for generates with the secret key pair of the user-association and be arranged the secret key pair for the user account
Operating right, thus to affiliated block chain submit account information, to generate the corresponding account block chain address of the user simultaneously
All nodes by the account block chain address in block chain are broadcasted；
User operation unit is used to submit the assets of the account to the assets information recording unit in response to user's operation
Information change request；
The assets information of the user is changed request, account block chain address, secret key pair and money by assets information recording unit
It produces and changes corresponding association user account block chain address and be committed to the block chain, so that block chain is to the assets information
Recording unit returns to change mark so that assets information described in assets information recording unit records changes；
Assets information query unit is used for the input in response to change mark and inquires the assets information and change；
And wherein
The core account module is based on the corresponding accountant item number of correspondent bank and formulates subject dictionary, according to the subject dictionary
Subject contrast relationship table is established, for the account prefix that each account design is specified, every kind of Asset operation scene is set up
One corresponding account started with the account prefix, transmitting bank establishes corresponding account, is associated in real time with the bank card of user
Record the Asset operation.
8. a kind of assets transfer method using system as claimed in claim 7, which is characterized in that including user open an account unit ring
The assets information of user registration in account should be collected in user's logon account；
Assets information recording unit searches account block chain address and secret key pair, by user according to the company information of login user
Assets information, account block chain address and the secret key pair of registration submit request to block chain；
The request that assets information recording unit carries out the transfer to interlock account in response to assets information of the user to registration will be used
The assets information of family registration, account block chain address, secret key pair, interlock account block chain address are committed to block chain；
Block chain returns to assets transfer mark so that this turn of assets information recording unit records to assets information recording unit
Move information.
9. a kind of asset data management method, it is characterised in that, including
Client server module be used for receive user open an account and Asset operation request；
Core account module establishes the system account of user according to the account opening request and notifies user-association bank that association corresponds to
Bank account；
Business support module is used to be requested to carry out Asset operation decision according to the Asset operation, by described in network management module notice
User executes corresponding Asset operation by the core account module in response to user's operation.
10. a kind of calculating equipment, including processor, execute method as claimed in claim 9.
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| CN112348664A (en) * | 2020-10-28 | 2021-02-09 | 富邦华一银行有限公司 | Credit credit information management system supporting automatic early warning |
| CN112348664B (en) * | 2020-10-28 | 2024-04-16 | 富邦华一银行有限公司 | Credit credit management system supporting automatic early warning |
| CN112883413A (en) * | 2021-01-21 | 2021-06-01 | 贵州电网有限责任公司 | Intelligent management method for IT asset data in power grid enterprise |
| CN112883430A (en) * | 2021-01-21 | 2021-06-01 | 贵州电网有限责任公司 | Data management uses relevant business system |
| CN115907986A (en) * | 2022-11-15 | 2023-04-04 | 支付宝(杭州)信息技术有限公司 | Asset checking method and device, medium and computer equipment |
| CN115907986B (en) * | 2022-11-15 | 2023-08-29 | 支付宝(杭州)信息技术有限公司 | Asset checking method and device, medium and computer equipment |
| CN116384710A (en) * | 2023-06-02 | 2023-07-04 | 国网福建省电力有限公司管理培训中心 | Decision-making system, medium and electronic equipment based on customer and asset management |
| CN116384710B (en) * | 2023-06-02 | 2023-10-13 | 国网福建省电力有限公司管理培训中心 | Decision-making system, medium and electronic equipment based on customer and asset management |
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