CN110852872A - Block chain-based network credit contract supervision system and method - Google Patents

Block chain-based network credit contract supervision system and method Download PDF

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Publication number
CN110852872A
CN110852872A CN201911080008.2A CN201911080008A CN110852872A CN 110852872 A CN110852872 A CN 110852872A CN 201911080008 A CN201911080008 A CN 201911080008A CN 110852872 A CN110852872 A CN 110852872A
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contract
chain
network credit
module
network
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CN110852872B (en
Inventor
高健博
任立峰
李青山
吴振豪
吴奇泽
刘世克
冯向军
司华友
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Beijing Guoxin Cloud Clothing Technology Co Ltd
Nanjing Boya Blockchain Research Institute Co Ltd
Boya Chain Beijing Technology Co Ltd
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Beijing Guoxin Cloud Clothing Technology Co Ltd
Nanjing Boya Blockchain Research Institute Co Ltd
Boya Chain Beijing Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/18Legal services; Handling legal documents

Abstract

The invention provides a block chain-based network credit contract supervision system and a block chain-based network credit contract supervision method, and relates to the technical field of block chains. The system comprises an on-chain data storage module, an off-chain contract storage module, a right management module, a contract uploading module, a digital signature module and a contract reading module; the network credit platform writes the related information of the network credit contract into the on-chain data storage module by using an intelligent contract through the contract uploading module, and uploads the network credit contract file to a centralized information system of a supervision institution; the supervision institution and the related bank sign the contract through the digital signature module to finish the contract uploading; the monitoring authority authorizes the judicial institution through the authority management module, the judicial institution reads the network credit contract data through the data reading module on the chain data storage module, and the network credit contract file is read through the chain contract storage module, so that the authenticity of the network credit contract is verified. The system and the method provided by the invention provide decentralized network loan contract storage and supervision functions.

Description

Block chain-based network credit contract supervision system and method
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based network credit contract supervision system and a block chain-based network credit contract supervision method.
Background
The block chain technology is a distributed account book technology, transaction records are connected in series through a cryptography technology, and are confirmed among nodes through a consensus mechanism, so that the transaction records are guaranteed to be not falsifiable, safe and transparent. The intelligent contract is a program running on a block chain, is written by languages such as Solidity and the like, and provides functions such as data reading and writing, operation, logic operation and the like. The intelligent contracts can run on the virtual machine with complete graphic flexibility, so any business logic can be arbitrarily operated.
The network loan is a kind of business of internet finance, and the network loan platform provides a platform through the internet to match the loans of lenders and borrowers. The network loan contract is a contract signed in the network loan service, a borrower needs to pay timely according to the contract requirement, and the network loan contract is an important legal evidence when disputes occur.
In the network credit contract supervision, the main supervision contents include: the network credit contract is supervised, and when disputes occur, the network credit contract is provided as legal evidence; the online credit platform is supervised, and the online credit platform is prevented from forging the project state of the platform through a false contract (only signing a contract without paying).
At present, the network credit contract is mainly supervised and stored through a network credit platform and a centralized information system of a supervision institution. Because of the risk of tampering with centralized information systems, no strong technical assurance can be provided in proving the authenticity of a web loan contract. Because the transfer records of the bank system cannot be communicated with the centralized information system of the storage network credit contract, the financial risk brought by the false network credit contract is difficult to prevent.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a block chain-based network credit contract supervision system and method aiming at the defects of the prior art, and solve the problems of tampering risk of the network credit contract, financial risk possibly brought by false network credit contract and the like.
In one aspect, the present invention provides a block chain-based network credit contract supervision system, including four parties: the system comprises a supervision institution, a network loan platform, a bank and a judicial institution, and specifically comprises an on-chain data storage module, an off-chain contract storage module, an authority management module, a contract uploading module, a digital signature module and a contract reading module;
the on-chain data storage module provides a data storage function which can not be tampered through a block chain;
the under-chain contract storage module provides a network credit contract file storage function;
the authority management module is used for realizing authority management of each participant through an intelligent contract;
the contract uploading module comprises an uplink part and a downlink part: the network credit contract is uploaded to a centralized information system of a supervision institution by a network credit platform in the lower chain part; the on-chain part writes the key data into an on-chain data storage module through an intelligent contract by the network loan platform;
the digital signature module is used for carrying out signature management on the network credit contract; the method comprises the steps that after a supervision organization compares a contract received under a chain with a contract hash value on the chain, a network credit contract is signed, a bank conducts signing after the transfer record and the contract data on the chain are compared, and when the supervision organization and the bank conduct signing on the contract, the network credit contract is uploaded successfully; if the supervision agency or the bank does not sign the contract, the network loan contract is in an invalid state;
the contract reading module is used for reading the network credit contract.
Preferably, the authority of each participant is specifically: the monitoring authority has the authority of reading and signing all data, the online credit platform has the authority of writing data, the bank has the authority of reading and signing related contracts of the bank, and in addition, the monitoring authority can authorize judicial authorities and allow the judicial authorities to read the appointed contracts.
Preferably, the key data includes personal information and bank account information of the lender and the borrower, the borrowed amount, time, interest, related bank information, and hash values of contract documents uploaded under the chain.
On the other hand, the invention also provides a method for supervising the network credit contract by adopting the block chain-based network credit contract supervision system, which comprises two parts, namely network credit contract uploading and network credit contract reading as legal evidence;
the network credit contract uploading method comprises the following steps:
step 1, the network loan platform writes personal information and bank account information of lenders and borrowers, borrowing information, related bank information and hash value data of contract files uploaded under a chain into a data storage module on the chain by using an intelligent contract through a contract uploading module, and uploads the network loan contract files to a centralized information system of a monitoring organization;
step 2, the supervision organization compares the hash value on the block chain with the hash value of the contract file, and if the hash value is consistent with the hash value of the contract file, the contract is signed on the block chain through a digital signature module;
step 3, comparing the transfer record of the bank with the data of the network credit contract by the bank related to the network credit contract, and if the transfer record is consistent with the data of the network credit contract, signing the contract through a digital signature module on a block chain;
step 4, after the supervision institution and the bank finish the digital signature, the contract is successfully uploaded, otherwise, the contract is in an invalid state;
the network loan contract is read as legal evidence and comprises the following steps:
step S1, the authority authorizes the judicial institution through the authority management module and allows the judicial institution to read the appointed contract content;
step S2, the judicial authority reads the network credit contract data through the data reading module on the chain and reads the network credit contract document through the contract storage module under the chain;
and step S3, comparing the hash value of the online loan contract file with the hash value on the chain by a judicial institution, verifying the signatures of a supervision institution and a bank, if the hash values are consistent and the signatures are valid, proving that the online loan contract is true and valid, otherwise, failing to verify.
Adopt the produced beneficial effect of above-mentioned technical scheme to lie in: the block chain-based network credit contract supervision system and method provided by the invention can provide decentralized network credit contract storage and supervision functions, are convenient for getting through data barriers among a network credit platform, a bank, a supervision institution and a judicial institution, prevent financial risks caused by false network credit contracts and enable a network credit contract supervision mechanism to be more perfect.
Drawings
Fig. 1 is a block diagram of a block chain-based network credit contract monitoring system according to an embodiment of the present invention;
FIG. 2 is a flow chart of uploading a network credit contract according to an embodiment of the present invention;
fig. 3 is a flowchart of network credit contract reading according to an embodiment of the present invention.
Detailed Description
The following detailed description of embodiments of the present invention is provided in connection with the accompanying drawings and examples. The following examples are intended to illustrate the invention but are not intended to limit the scope of the invention.
A block chain based network credit contract administration system, as shown in fig. 1, includes four parties: the system comprises a supervision institution, a network loan platform, a bank and a judicial institution, and specifically comprises an on-chain data storage module, an off-chain contract storage module, an authority management module, a contract uploading module, a digital signature module and a contract reading module;
the on-chain data storage module provides a data storage function which can not be tampered through a block chain;
the down-chain contract storage module has the same function as a centralized information system of a supervision organization and provides a network credit contract file storage function;
the authority management module is used for realizing authority management of each participant through an intelligent contract;
the authority of each participant is specifically as follows: the monitoring organization has the authority of reading and signing all data, the network credit platform has the authority of writing data, the bank has the authority of reading and signing the related contract of the bank, and in addition, the monitoring organization can authorize the judicial organization and allow the judicial organization to read the appointed contract;
the contract uploading module comprises an uplink part and a downlink part: the part under the chain is similar to a conventional network credit contract supervision system, and a network credit platform uploads a network credit contract to a centralized information system of a supervision institution; the on-chain part writes the key data into an on-chain data storage module through an intelligent contract by the network loan platform;
the key data comprises personal information and bank account information of lenders and borrowers, borrowed amount, time, interest, related bank information and hash values of contract files uploaded under a chain;
the digital signature module is used for carrying out signature management on the network credit contract; the method comprises the steps that after a supervision organization compares a contract received under a chain with a contract hash value on the chain, a network credit contract is signed, a bank conducts signing after the transfer record and the contract data on the chain are compared, and when the supervision organization and the bank conduct signing on the contract, the network credit contract is uploaded successfully; if the supervision agency or the bank does not sign the contract, the network loan contract is in an invalid state.
The contract reading module is used for reading the network credit contract; the monitoring authority authorizes the judicial authority through the intelligent contract, allows the judicial authority to read the appointed contract content, provides the network credit contract through a centralized information system of the monitoring authority, and confirms whether the contract is real and effective after the judicial authority compares the network credit contract with the hash value on the chain and verifies the digital signatures of the monitoring authority and the bank.
A method for supervising the network credit contract by adopting the block chain-based network credit contract supervision system comprises two parts, namely network credit contract uploading and network credit contract reading as legal evidence;
the network credit contract uploading, as shown in fig. 2, includes the following steps:
step 1, the network loan platform writes personal information and bank account information of lenders and borrowers, borrowing information, related bank information and hash value data of contract files uploaded under a chain into a data storage module on the chain by using an intelligent contract through a contract uploading module, and uploads the network loan contract files to a centralized information system of a monitoring organization;
step 2, the supervision organization compares the hash value on the block chain with the hash value of the contract file, and if the hash value is consistent with the hash value of the contract file, the contract is signed on the block chain through a digital signature module;
step 3, comparing the transfer record of the bank with the data of the network credit contract by the bank related to the network credit contract, and if the transfer record is consistent with the data of the network credit contract, signing the contract through a digital signature module on a block chain;
step 4, after the supervision institution and the bank finish the digital signature, the contract is successfully uploaded, otherwise, the contract is in an invalid state;
the network loan contract is read as legal evidence, as shown in fig. 3, and includes the following steps:
step S1, the authority authorizes the judicial institution through the authority management module and allows the judicial institution to read the appointed contract content;
step S2, the judicial authority reads the network credit contract data through the data reading module on the chain and reads the network credit contract document through the contract storage module under the chain;
and step S3, comparing the hash value of the online loan contract file with the hash value on the chain by a judicial institution, verifying the signatures of a supervision institution and a bank, if the hash values are consistent and the signatures are valid, proving that the online loan contract is true and valid, otherwise, failing to verify.
Embodiment one, uploading of network loan contracts:
step 1, the borrower A borrows 500 RMB from the lender B through a certain network credit platform and signs an electronic contract X, wherein the Hash value of the electronic contract is H (X). The network loan platform writes personal information of the borrower A and the lender B, bank accounts, borrowing information, hash values H (X) of related banks and electronic contracts into a block chain through intelligent contracts, and uploads an electronic contract file X.pdf to a supervision organization centralized information system.
And 2, calculating a hash value H '(X) by the supervision agency according to the electronic contract file X.pdf stored in the centralized information system, and writing the signature Sig1 into the block chain if the H' (X) is the same as the electronic contract hash value H (X) stored on the block chain.
Step 3, the related bank of the borrower A verifies the transfer record of the bank account of the borrower A, and if the transfer record is matched with the borrowing information on the blockchain, a signature Sig2 is written into the blockchain; the bank associated with the borrower b verifies the roll-out record for the bank account of the borrower b and writes a signature Sig3 into the blockchain if there is a match with the borrowing information on the blockchain.
And after the steps 1-3 are completed, the network credit contract is uploaded successfully.
Example two, web loan contract reading:
and S1, disputes occur in the electronic contract X signed by the borrower A and the lender B, and the supervising authority authorizes the judicial authority to read the data H (X), Sig1, Sig2 and Sig3 related to the electronic contract X on the block chain and the electronic contract file X.pdf of the centralized information system.
Step S2, the judicial authority calculates the hash value H '(X) according to the electronic contract document x.pdf, compares the hash value H' (X) with the hash value H (X) read from the block chain, and if the hash values H (X) are consistent, the document is considered to be true. And then checking the Sig1 as a valid signature of the supervision authority, and respectively checking the Sig2 and the Sig3 as valid signatures of the related banks A and B, and then considering the electronic contract to be valid. Pdf, and X-related data on the blockchain can be used as valid electronic evidence.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit of the corresponding technical solutions and scope of the present invention as defined in the appended claims.

Claims (4)

1. A block chain-based network credit contract supervision system comprises four participants: supervisory institution, net loan platform, bank and judicial institution, its characterized in that: the system comprises an on-chain data storage module, an off-chain contract storage module, a right management module, a contract uploading module, a digital signature module and a contract reading module;
the on-chain data storage module provides a data storage function which can not be tampered through a block chain;
the under-chain contract storage module provides a network credit contract file storage function;
the authority management module is used for realizing authority management of each participant through an intelligent contract;
the contract uploading module comprises an uplink part and a downlink part: the network credit contract is uploaded to a centralized information system of a supervision institution by a network credit platform in the lower chain part; the on-chain part writes the key data into an on-chain data storage module through an intelligent contract by the network loan platform;
the digital signature module is used for carrying out signature management on the network credit contract; the method comprises the steps that after a supervision organization compares a contract received under a chain with a contract hash value on the chain, a network credit contract is signed, a bank conducts signing after the transfer record and the contract data on the chain are compared, and when the supervision organization and the bank conduct signing on the contract, the network credit contract is uploaded successfully; if the supervision agency or the bank does not sign the contract, the network loan contract is in an invalid state;
the contract reading module is used for reading the network credit contract.
2. The system of claim 1, wherein the block chain-based network credit contract administration system comprises: the authority of each participant is specifically as follows: the monitoring authority has the authority of reading and signing all data, the online credit platform has the authority of writing data, the bank has the authority of reading and signing related contracts of the bank, and in addition, the monitoring authority can authorize judicial authorities and allow the judicial authorities to read the appointed contracts.
3. The system of claim 1, wherein the block chain-based network credit contract administration system comprises: the key data comprises personal information and bank account information of lenders and borrowers, borrowed amount, time, interest, related bank information and hash values of contract files uploaded under a chain.
4. A block chain based network credit contract administration method using the system of claim 1 for administration, characterized in that: the method comprises the steps of uploading a network credit contract and reading the network credit contract as legal evidence;
the network credit contract uploading method comprises the following steps:
step 1, the network loan platform writes personal information and bank account information of lenders and borrowers, borrowing information, related bank information and hash value data of contract files uploaded under a chain into a data storage module on the chain by using an intelligent contract through a contract uploading module, and uploads the network loan contract files to a centralized information system of a monitoring organization;
step 2, the supervision organization compares the hash value on the block chain with the hash value of the contract file, and if the hash value is consistent with the hash value of the contract file, the contract is signed on the block chain through a digital signature module;
step 3, comparing the transfer record of the bank with the data of the network credit contract by the bank related to the network credit contract, and if the transfer record is consistent with the data of the network credit contract, signing the contract through a digital signature module on a block chain;
step 4, after the supervision institution and the bank finish the digital signature, the contract is successfully uploaded, otherwise, the contract is in an invalid state;
the network loan contract is read as legal evidence and comprises the following steps:
step S1, the authority authorizes the judicial institution through the authority management module and allows the judicial institution to read the appointed contract content;
step S2, the judicial authority reads the network credit contract data through the data reading module on the chain and reads the network credit contract document through the contract storage module under the chain;
and step S3, comparing the hash value of the online loan contract file with the hash value on the chain by a judicial institution, verifying the signatures of a supervision institution and a bank, if the hash values are consistent and the signatures are valid, proving that the online loan contract is true and valid, otherwise, failing to verify.
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CN111581047A (en) * 2020-03-24 2020-08-25 博雅正链(北京)科技有限公司 Supervision method for intelligent contract behavior
CN112100635A (en) * 2020-09-17 2020-12-18 博雅正链(北京)科技有限公司 Law enforcement return system and method based on intelligent contract and workflow architecture
CN113065170A (en) * 2021-04-21 2021-07-02 山大地纬软件股份有限公司 Method, system and device for block chain supervision data based on dynamic identification

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