CN110969524A - Block chain-based fund service processing method, device, equipment and medium - Google Patents
Block chain-based fund service processing method, device, equipment and medium Download PDFInfo
- Publication number
- CN110969524A CN110969524A CN201911194126.6A CN201911194126A CN110969524A CN 110969524 A CN110969524 A CN 110969524A CN 201911194126 A CN201911194126 A CN 201911194126A CN 110969524 A CN110969524 A CN 110969524A
- Authority
- CN
- China
- Prior art keywords
- participation
- block chain
- fund
- fund service
- service
- 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
Images
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
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention discloses a block chain-based fund service processing method, a block chain-based fund service processing device and a block chain-based fund service processing medium. The method is executed by a block link point, and specifically comprises the following steps: responding to a participation proposal of the fund service initiated by a sponsor of the fund service, and acquiring participation willingness of each node of a block chain responding to feedback of the participation proposal; determining at least two participants of the fund service according to the participation desire, and constructing a block chain of alliances for the at least two participants; and responding to an uplink transaction request which is sent by the alliance block chain and contains a fund service notification message, and writing the fund service notification message into the alliance block chain. The technical scheme of the embodiment of the invention can reduce the cost of the capital service processing process and improve the processing efficiency and the safety of the capital service.
Description
Technical Field
The present invention relates to a block chain data processing technology, and in particular, to a method, an apparatus, a device, and a medium for processing a fund service based on a block chain.
Background
With the development of the financial field, a funding business in which a plurality of fund managers participate to provide loan to the same lender has gradually been developed. In the prior art, when the capital business is processed, aiming at the problem that the business communication among a plurality of capital management parties is manually communicated and coordinated through an intermediate mechanism, the labor cost is high, the efficiency is low, the safety is poor, and the like, and improvement is urgently needed.
Disclosure of Invention
The embodiment of the invention provides a method, a device, equipment and a medium for processing fund services based on a block chain, which are used for reducing the cost of the fund service processing process and improving the efficiency and the safety of the fund service processing.
In a first aspect, an embodiment of the present invention provides a method for processing a fund service based on a block chain, where the method is performed by a block chain node, and the method includes:
responding to a participation proposal of the fund service initiated by a sponsor of the fund service, and acquiring participation willingness of each node of a block chain responding to feedback of the participation proposal;
determining at least two participants of the fund service according to the participation desire, and constructing a block chain of alliances for the at least two participants;
and responding to an uplink transaction request which is sent by the alliance block chain and contains a fund service notification message, and writing the fund service notification message into the alliance block chain.
In a second aspect, an embodiment of the present invention further provides a device for processing a fund service based on a blockchain, where the device is configured in a blockchain node, and the device includes:
a participation intention acquisition module, configured to respond to a participation offer of the fund service initiated by an offeror of the fund service, and acquire participation intentions fed back by each node of the block chain in response to the participation offer;
a participant determining module, configured to determine at least two participants of the fund service according to the participation desire, and construct a federation block chain for the at least two participants;
and the data uplink storage module is used for responding to an uplink transaction request which is sent by the alliance block chain and contains a fund service notification message, and writing the fund service notification message into the alliance block chain.
In a third aspect, an embodiment of the present invention further provides an apparatus, where the apparatus includes:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement a method for blockchain-based funds transaction processing according to any embodiment of the present invention.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements a method for processing a fund service based on a block chain according to any embodiment of the present invention.
According to the technical scheme of the embodiment of the invention, participation willingness of each node in a block chain responding to feedback of participation proposal is obtained by responding to the participation proposal of the fund service initiated by the sponsor, the participant of the fund service is determined according to the participation willingness, an alliance block chain is established for each participant, and notification messages of the fund service received subsequently are stored in the alliance block chain. The scheme of the embodiment of the invention aims at the fund service which is completed by multiple parties together, and the determining process of the multiple parties does not need manual communication and coordination, thereby reducing the labor cost and improving the determining efficiency of the participants. In addition, an alliance block chain is established for each participant of the fund service, and information related to fund service processing is stored in the alliance block chain, so that the traceability and non-falsification of the fund service processing information are guaranteed, and the safety and reliability of the fund service processing process are improved.
Drawings
Fig. 1 is a flowchart of a method for processing a fund service based on a block chain according to an embodiment of the present invention;
fig. 2 is a flowchart of a fund service processing method based on a block chain according to a second embodiment of the present invention;
fig. 3 is a block diagram of a fund service processing apparatus based on a block chain according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of an apparatus according to a fourth embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Optionally, before describing the embodiment of the present invention, a simple description is first performed on a framework of a block chain network according to the embodiment of the present invention, where the framework of the block chain network according to the embodiment of the present invention may include: a user interface layer, a proxy application layer, and a contract layer. The user interface layer is a network access interface layer, which can display all page contents related to the fund service, for example, which may include but is not limited to: the system comprises a login interface of each fund management party, a transaction interface of each fund service, a data query interface, a product introduction interface, an operation management interface and the like. The user can input data information (such as uploading files in the fund business processing process, feeding back participation wishes and the like) through the user interface layer. All intelligent contracts involved in processing fund business processes are recorded in the contract layer, and intelligent contract services are provided for the outside through a first preset access port (such as a remote procedure call transfer protocol (JSON-RPC) interface and a Software Development Kit (SDK) interface). The agent application layer can call the intelligent contract in the contract layer through the first preset access port of the contract layer, so that the corresponding functional operation is completed. Optionally, after completing the function operation, the proxy application layer may store the function operation result locally while uplink-storing the function operation result. The agent application layer can also acquire data information input by a user through a second preset interface of the user interface layer, and can perform logic operation processing such as encryption and Hash calculation on the second preset interface. Next, a method for processing fund services according to an embodiment of the present invention is described based on the blockchain network architecture.
Example one
Fig. 1 is a flowchart of a method for processing a fund service based on a blockchain according to an embodiment of the present invention, where this embodiment is applicable to a fund service that is completed by multiple parties together and is processed based on a blockchain technique, and the method may be performed by a blockchain node, for example, by a block generation node in a blockchain node, where the block generation node may be any one of the participant nodes. In particular, the method may be performed by a blockchain-based fund service processing apparatus or device configured in a blockchain node, where the apparatus may be implemented in a software and/or hardware manner, and may be integrated in an electronic device carrying the blockchain node. As shown in fig. 1, the method specifically includes the following steps:
s101, responding to a participation proposal of the fund service initiated by a proposing party of the fund service, and acquiring participation willingness of each node of the block chain responding to feedback of the participation proposal.
The fund transaction is a fund transaction which needs at least two resource managers as participants to complete together, for example, a fund transaction which is participated by a plurality of fund managers and provides loan to the same lender, namely a bank loan transaction. The fund manager may be a bank or financial institution providing a fund debit and credit service, or the like. It should be noted that, in an actual scenario, there are a large number of fund managers, and the present embodiment may construct a block chain network for the large number of fund managers in advance. The offeror of the fund service can be a fund manager who leads to initiate the fund service in the blockchain network, and the participator can be a fund manager who decides to participate in the fund service after responding to the offerings of the offeror. For example, assuming that there are 100 banks that can provide the funding service, user 1 applies to bank a for the funding service, and bank a serves as the offeror of the funding service. And if the final bank A, the bank B and the bank C finish the fund service together, the bank A, the bank B and the bank C are used as the participants of the fund service.
Optionally, in the embodiment of the present invention, when a certain user wants to apply for a fund service, one fund manager may be selected from the multiple fund managers according to a requirement of the user, and then the fund service may be applied on a user interface of the fund manager. The fund manager is used as an offerer of the fund service, calls a related intelligent contract for initiating the fund service offer through a first preset interface of a contract layer according to application information input by a user and acquired by a second preset interface of a user interface layer, initiates a participation offer of the fund service according to the application information input by the user, and sends the participation offer to a block chain network, each fund manager node in the block chain network receives the participation offer, and an agent application layer of each fund manager node determines whether to intentionally participate in the fund service or not according to the actual situation of the agent application layer and feeds participation wishes (such as participation or non-participation) back to the block chain network. Optionally, there are many methods for determining whether to intentionally participate in the fund service by the node of the fund manager, and the method may be that a proxy application layer of the fund manager invokes a relevant intelligent contract for analyzing participation will from a contract layer, and automatically determines whether to agree to participate in the fund service in combination with a participation offer; or the agent application layer of the fund management party displays the received participation proposal to the user through the user interface layer, and the staff of the fund management party determines whether to participate in the fund service and feeds back participation intention to the agent application layer through the user interface layer.
At this time, after receiving the participation proposal of the fund service, the blockchain link point executing the operation of this step needs to not only feed back the participation intention of this fund service to the blockchain network, but also respond to the participation proposal, and acquire the participation intention sent by each node of the blockchain to the blockchain network according to the proposal. Preferably, in order to ensure accuracy and efficiency of determination of the participating party, the participation offer sent by the proposing party in the embodiment of the present invention may include an effective time period for feedback of the current participation offer, and correspondingly, when executing a participation offer of a fund service initiated by the proposing party responding to the fund service and acquiring participation willingness of each node of the block chain to respond to the participation offer feedback, the participation willingness may be: responding to a participation proposal of the fund service initiated by a proposing party of the fund service, and determining an effective time period for participating in an agreement; and acquiring participation willingness of each node of the block chain to respond to the participation offer feedback in the effective time period. Specifically, the participation proposal of the fund service may be analyzed to obtain an effective time period of the participation proposal, then a timer is started to perform effective time counting, and participation willingness fed back by each fund manager node sent by the blockchain network is obtained within the effective time. And for each fund manager which does not receive the participation intention within the effective time, the fund manager can be regarded as abandoning participation in the fund service.
S102, determining at least two participants of the fund service according to the participation desire, and constructing a block chain of the alliance for the at least two participants.
Optionally, in the embodiment of the present invention, a proxy application layer of a block chain node may invoke a contract layer to determine a participation intention of a participant according to a related intelligent contract analysis, determine whether each participation intention agrees or disagrees with participation, and then use a fund manager sending each participation intention agreeing with participation as a participant of the fund service. It should be noted that, because the fund service in the embodiment of the present invention needs to be implemented by multiple fund managers in a matching manner, the number of the participants of the fund service determined in the embodiment is at least two. Optionally, the offeror of the at least two participants that contains the funding service.
Optionally, after at least two participants of the present fund service are determined, in order to prevent other non-participating fund managers from stealing related information of the fund service for convenience and security of subsequent communication between the participants, the embodiment of the present invention may be to construct a federation block chain for each determined participant. All subsequent information related to the funding service is transmitted and uplink stored in the federation blockchain. Specifically, there are many methods for implementing a federation block chain for participants in the embodiment of the present invention, and this embodiment is not limited to this embodiment. Building a federation blockchain for participants may be accomplished by configuring separate channels for each participant of the funding service. For example, a new channel configuration content is configured according to the information of each participant to generate a channel configuration file, then a channel for each participant to communicate is created according to the channel configuration file, and each participant performs data interaction through the channel, thereby forming a new alliance block chain for each participant. And each participant can encrypt the interactive data in the same encryption mode and then send the encrypted interactive data, only each participant of the capital service can decrypt the interactive ciphertext to obtain the interactive plaintext after receiving the interactive ciphertext, and other non-participant nodes cannot decrypt the interactive plaintext even if receiving the interactive ciphertext, so that the alliance block chain is established for each participant.
Optionally, in order to ensure transparency and traceability of each process of the fund service processing in this embodiment, after determining at least two participants of the fund service, the embodiment may initiate an uplink transaction request including information of the at least two participants to the federation blockchain, so as to write the information of the at least two participants into the federation blockchain; the participant information includes identification information of the participant (such as name, code, personal information profile, etc. of the participant) and/or participation willingness fed back by each participant acquired in S101. At this time, the agent application layer may invoke a related intelligent contract for performing data uplink storage in the intelligent contract layer, and operate the related intelligent contract using the information of each participant as input data, thereby generating an uplink transaction request including the information of each participant, and send the uplink transaction request to the federation block chain where each participant is located, so that each participant node in the federation block chain receives the uplink transaction request and analyzes each participant information therefrom to write the transaction request as transaction data into the federation block chain.
S103, responding to the uplink transaction request containing the fund service notification message sent by the alliance block chain, and writing the fund service notification message into the alliance block chain.
The fund service notification message may be a notification message generated in the fund service processing process and related to the fund service, and may include, for example and without limitation: fund change notification messages for fund transfer-in or transfer-out, process flow notification messages for fund services, operation notification messages for fund services, and the like. For example, if the present financial transaction is a banking loan transaction, the financial transaction notification message may include, in the loan issuance phase: the specific amount of loan issued, the time, the issuer, etc. In the post-loan administration phase, the financial services notification message may include: repayment, payment, deferral, or boarding a credit, etc.
Optionally, for any block chain node in the alliance block chain, in the process of processing the fund service, if the fund service notification message is acquired, an uplink transaction request including the fund service notification message is initiated to the alliance block chain, so as to write the fund service notification message into the alliance block chain. Specifically, if a fund service notification message is generated during the process of processing a fund service by any block chain node in the federation block chain (which may be any participant in the federation block chain), a proxy application layer may be used to obtain the fund service notification message, then a related intelligent contract for performing data uplink storage in an intelligent contract layer is invoked, the obtained fund service notification message is used as input data to run the related intelligent contract, so as to generate an uplink transaction request including the fund service notification message, and send the uplink transaction request to the federation block chain in which the fund service notification message is located. After the block chain node in the alliance block chain receives the uplink transaction request, responding to the uplink transaction request, and analyzing a notification message of the fund service as transaction data to be written into the alliance block chain. Optionally, after writing the notification message of the fund service into the federation blockchain, each participant node may also store the information of each participant locally, so as to facilitate quick query when subsequently using the data.
Optionally, in order to ensure accuracy of data stored in the federation blockchain, in the embodiment of the present invention, one or more verification nodes may be further selected from the federation blockchain to perform accuracy verification on the service notification message stored in uplink, and generate an uplink transaction request including a verification result, and send the uplink transaction request to the federation blockchain. The verification node may be manually selected according to a requirement, or may be determined by the system randomly or according to a preset consensus mechanism, which is not limited in this embodiment. When the verification node performs accuracy verification on the uplink service notification message, the verification node may verify the authenticity of the service notification message through a service actual process to obtain a verification result for the service notification message. For example, if the transaction notification message is fund for fund manager a by 10 ten thousand dollars, the verification node may check the authenticity of the transaction notification message by checking the offline fund release transaction record of fund manager a.
Correspondingly, after receiving the uplink transaction request containing the verification result of the fund service notification message sent by the verification node through the alliance block chain, the block chain node in the alliance block chain responds to the uplink transaction request containing the verification result of the fund service notification message so as to write the verification result into the alliance block chain. The specific response and writing process is similar to the above-mentioned response and writing process of the fund service notification message, and is not described herein again.
Optionally, the fund service in the embodiment of the invention may be a banking loan service; the at least two parties determined in S102 are fund managers who provide the banking service, and the at least two parties include a proposing party.
According to the technical scheme of the embodiment of the invention, participation willingness of each node in a block chain responding to feedback of participation proposal is obtained by responding to the participation proposal of the fund service initiated by the sponsor, the participant of the fund service is determined according to the participation willingness, an alliance block chain is established for each participant, and notification messages of the fund service received subsequently are stored in the alliance block chain. The scheme of the embodiment of the invention aims at the fund service which is completed by multiple parties together, and the determining process of the multiple parties does not need manual communication and coordination, thereby reducing the labor cost and improving the determining efficiency of the participants. In addition, an alliance block chain is established for each participant of the fund service, and information related to fund service processing is stored in the alliance block chain, so that the traceability and non-falsification of the fund service processing information are guaranteed, and the safety and reliability of the fund service processing process are improved.
Example two
Fig. 2 is a flowchart of a fund service processing method based on a block chain according to a second embodiment of the present invention, and this embodiment performs further optimization on the basis of the above embodiment, specifically provides how to respond to a participation offer of a fund service initiated by an offeror of the fund service, and obtains participation willingness of each node of the block chain to respond to a feedback of the participation offer; and then according to participating in will, confirm at least two parties of fund business, and construct the concrete method introduction of the block chain of alliance for at least two parties, said method comprises specifically:
s201, responding to a first participation proposal of the fund service initiated to the original block chain by a sponsor of the fund service according to the participation requirement of the fund service, and acquiring a first participation intention fed back by each node of the original block chain in response to the first participation proposal.
The participation requirement of the fund service may be a participation requirement for the participant to participate in the fund service, and optionally, the participation requirement may include, but is not limited to, a protocol rule of the fund service, a fund service participation condition, and the like. For example, it may be that a fund manager whose reputation value is higher than a preset value may participate, a fund management method whose registered fund is higher than a preset amount may participate, or the like. The original blockchain may be a blockchain network built for all fund managers.
Optionally, after receiving the fund service applied by the user on the user interface of the user, the sponsor of the fund service determines the participation requirement of the fund service according to the requirement of the user when applying for the fund service and/or the related requirement agreed locally. Then, a first proposed intelligent contract in the local contract layer is called, and a first proposal for participation of the fund service is initiated to the original block chain in which all fund manager nodes are located according to the determined participation requirement. After receiving the first participation proposal, the block link node of the original block chain network needs to perform two operations, one is to determine and feed back the participation intention (i.e. the first participation intention) to the original block chain network in response to the participation proposal; the other is to execute responding to the first participation proposal, determine the effective time period of the first participation proposal, and then obtain the first participation intention fed back by each node in the original block chain responding to the first participation proposal in the effective time period.
S202, according to the first participation intention, at least two initial participants of the fund service are determined from each node of the original block chain, and a first alliance block chain is constructed for the at least two initial participants.
Optionally, after receiving first participation intentions fed back by the fund manager nodes in the original block chain, analyzing the first participation intentions, taking at least two fund managers whose participation intentions are agreed as primary participants, and constructing a first alliance block chain for each determined primary reference party. The above embodiments of how to construct the federation blockchain have been described, and are not described herein again. For example, assuming that there are 100 fund management parties in the original block chain, if the first participation intention of 50 feedback of the 100 fund management parties is agreement, the 50 fund management parties are taken as the initial participants, and a first alliance block chain is constructed for the 50 fund management parties.
Optionally, because the fund service of this embodiment needs a plurality of participants to execute cooperatively, if the number of the initially selected participants determined in this step is less than two, it is determined that the fund service cannot be applied, and an application failure message and a failure reason need to be fed back to the offerer of the fund service, so that the offerer can timely notify the user that the fund service is applied unsuccessfully.
It should be noted that, in the processes of determining the initial participants and constructing the first federation block chain according to the first participation proposal in this embodiment S201-S202, the essence is to preliminarily select the fund managers meeting the application conditions from a large number of fund managers as the primary participants, and the primary participants are potential fund managers that may participate in the fund service.
S203, responding to a second participation proposal of the fund service initiated by the sponsor of the fund service to the first alliance block chain according to the preliminary application information of the fund service, and obtaining a second participation intention fed back by each node of the first alliance block chain responding to the second participation proposal.
The preliminary application information of the fund service may be service introduction information that enables each fund manager to roughly know the fund service. For example, if the present financial transaction is a banking loan transaction, the preliminary application information may be interest of the loan, allocation of loan amount, allocation of benefits, and the like.
Optionally, after the block link point constructs the first alliance block chain, a notification message is sent to the alliance block chain, and after the proposing party knows that the first alliance block chain of the initially selected participant is constructed, the proposing party determines the initial application information of the fund service according to the requirements of the user when applying the fund service and/or the locally agreed relevant requirements. And then calling a second proposed intelligent contract in the local contract layer, and initiating a second participation proposal of the fund service to the first alliance block chain according to the determined preliminary application information. After the block link point of the first federated block chain network receives the second participation proposal, similarly to the operation of S201 described above, two operations also need to be performed, one is to determine and feed back its participation will (i.e. second participation will) to the first federated block chain in response to the second participation proposal; and the other is to execute responding to the second participation proposal, determine the effective time period of the second participation proposal, and then acquire a second participation intention of each primary participant in the first block chain of the alliance responding to the feedback of the second participation proposal in the effective time period.
S204, according to the second participation intention, at least two selected participants of the fund service are determined from the at least two initially selected participants, and a second union block chain is constructed for the at least two selected participants.
Optionally, after receiving second participation wishes fed back by each of the first alliance block chains, each of the second participation wishes is analyzed, at least two of the first alliance participants who agree to participate in the second alliance block chain are used as selected participants, and a second alliance block chain is constructed for each of the determined selected reference parties. The above embodiments of how to construct the federation blockchain have been described, and are not described herein again. Illustratively, there are 50 fund managers (i.e., the first election participants) in the first federation block chain constructed at S202, and if there are 20 second participation intentions fed back by the 50 first election participants as the consent, the 20 first election participants are taken as the selection participants, and a second federation block chain is constructed for the 20 selection participants.
Optionally, when determining at least two selected participants of the fund service from the at least two initially selected participants according to the second participation intention, the step may include evaluating the fund service according to the second participation intention; and if the evaluation result is passed, the initially selected participant with the second participation intention as the agreement is used as the selected participant. Specifically, the success rate of the present fund service group may be evaluated according to the second participation desire. If the success rate is lower than the preset requirement, the fund service cannot be applied, and an application failure message and a failure reason need to be fed back to the offerer of the fund service, so that the offerer can timely inform the user. And if the success rate reaches the preset requirement, executing to take each initially selected participant with the second participation intention as the agreed as the selected participant. Optionally, the second participation will further include participation opinions issued by the primary participants for the second participation offer, and at this time, if the success rate of the fund service group evaluation reaches the preset requirement, the subsequent contract-signing items of the fund service can be further prepared according to the participation opinions of the primary participants who agree to participate.
It should be noted that, in the present embodiment, the process of determining the beneficiary participants and constructing the second federation block chain according to the second participation proposal is substantially directed to the determined fund managers (i.e. the primary participants) that potentially may participate in the fund service, and introduces the fund service to the determined fund managers, so as to obtain, as the beneficiary participants, the primary participants that still want to participate after understanding the fund service.
S205, the third participation proposal of the fund service initiated by the sponsor responding to the second union block chain according to the detailed application information of the fund service, and the third participation will fed back by each node of the second union block chain responding to the third participation proposal.
The detailed application information of the fund service may be specific introduction information of the fund service. For example, if the present funding business is a banking loan business, the detailed application information may be the loan participants, interest of the loan, loan amount allocation, benefit allocation, loan repayment time, and detailed implementation rules.
Optionally, after the block link point constructs the second union block chain, a notification message is sent to the union block chain, and after knowing that the second union block chain of the selected participant is constructed, the proposing party determines detailed application information of the fund service according to the requirements of the user when applying for the fund service and/or the locally agreed relevant requirements. And then calling a third proposed intelligent contract in the local contract layer, and initiating a third participation proposal of the fund service to the second union block chain according to the determined detailed application information. After receiving the third participation proposal, the block link point of the second federation block chain network also needs to perform two operations, similar to the operation of S201, one of which is to determine and feed back its participation intention (i.e. third participation intention) to the second federation block chain in response to the third participation proposal; and the other is to execute responding to the third participation proposal, determine the effective time period of the third participation proposal, and then acquire the third participation intention of each initially selected participant in the second alliance block chain responding to the third participation proposal in the effective time period.
Optionally, the third participation offer of this step is equivalent to a sign-up offer of the fund service. The subscription process may more fully take into account the suggestions of each node in the second federation blockchain, so in the embodiment of the present invention, for the blockchain link point in the second federation blockchain, it may include two feedback processes when determining and feeding back the third participation intention to the second federation blockchain in response to the third participation offer: one is to feed back to the second federation block chain whether the second federation block chain agrees to participate in the individual participation intention of the third participation offer; and the other one is that the individual participation will be fed back according to other nodes in the second union block chain, and the voting participation will whether other nodes are agreed to participate in the third proposal is given.
S206, determining at least two final participants of the fund service from the at least two selected participants according to the third participation intention, and constructing a third union block chain for the at least two final participants.
Optionally, after receiving third participation intentions fed back by the selected participants in the second federation block chain, analyzing the third participation intentions, taking at least two selected participants who agree to participate as final participants who can sign the fund service of the time with the third participation intentions, and constructing a third federation block chain for the determined final reference parties. The above embodiments of how to construct the federation blockchain have been described, and are not described herein again. Illustratively, there are 20 fund managers (i.e. selection participants) in the second federation block chain constructed in S204, and if the third participation intention of 10 feedbacks of the 20 selection participants is agreement, the 10 selection participants are used as final participants of the fund service, and a third federation block chain is constructed for the 10 final participants.
Optionally, if the third participation will is fed back by each order in the second federation block chain in S205 and includes an individual participation will and a voting participation will, when determining the final participant according to the third participation will, this step may be to set the individual participation will as an agreement and set the voting participation will about the individual participation will as an agreed selected participant.
It should be noted that, in the processes of determining the final participants and constructing the third federation block chain according to the third participation proposal in the embodiments S203 to S204, the essence is that each fund manager (i.e. the concentration participant) who still wants to participate after understanding the fund service is determined, and the process of signing the fund service is performed by the concentration participant.
And S207, responding to the uplink transaction request containing the fund service notification message sent by the third union block chain, and writing the fund service notification message into the union block chain.
Optionally, in this step, after each participant of the fund service successfully signs a contract, in a subsequent process stage of the fund service, each participant node receives a service notification message in the process of processing the process service and sends the service notification message to the third federation block chain for uplink storage.
According to the scheme of the embodiment of the invention, the three participation proposals which are progressively initiated to the three alliance block chains by the response proposing party are continuously reduced, the range of the participating party participating in the fund service is finally determined, and the accuracy of determining the participating party is improved. And the whole determining process does not need manual communication and coordination, so that the labor cost is reduced, and the determining efficiency of the participants is improved. In addition, in the embodiment, the information related to the fund service processing is stored in the alliance chain where the participants are located, so that traceability and non-falsification of the fund service processing information are guaranteed, and safety and reliability of the fund service processing process are improved.
EXAMPLE III
Fig. 3 is a block diagram of a fund service processing apparatus based on a blockchain according to a third embodiment of the present invention, where the apparatus may be configured in a blockchain node. The device can execute the fund service processing method based on the block chain provided by each embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.
As shown in fig. 3, the apparatus includes:
a participation intention acquisition module 301, configured to respond to a participation offer of the fund service initiated by an offeror of the fund service, and acquire participation intentions fed back by each node of the block chain in response to the participation offer;
a participant determining module 302, configured to determine at least two participants of the fund service according to the participation desire, and construct a federation block chain for the at least two participants;
a data uplink storage module 303, configured to respond to a uplink transaction request including a fund service notification message sent by the federation blockchain, and write the fund service notification message into the federation blockchain.
According to the technical scheme of the embodiment of the invention, participation willingness of each node in a block chain responding to feedback of participation proposal is obtained by responding to the participation proposal of the fund service initiated by the sponsor, the participant of the fund service is determined according to the participation willingness, an alliance block chain is established for each participant, and notification messages of the fund service received subsequently are stored in the alliance block chain. The scheme of the embodiment of the invention aims at the fund service which is completed by multiple parties together, and the determining process of the multiple parties does not need manual communication and coordination, thereby reducing the labor cost and improving the determining efficiency of the participants. In addition, an alliance block chain is established for each participant of the fund service, and information related to fund service processing is stored in the alliance block chain, so that the traceability and non-falsification of the fund service processing information are guaranteed, and the safety and reliability of the fund service processing process are improved.
Further, the participation intention acquiring module 301 is specifically configured to:
responding to a participation proposal of the fund service initiated by a proposing party of the fund service, and determining an effective time period for participating in an agreement;
and acquiring participation willingness of each node of the block chain to respond to the participation offer feedback in the effective time period.
Further, the participation intention acquiring module 301 includes: the system comprises a first intention acquisition unit, a second intention acquisition unit and a third intention acquisition unit; the participant determining module 302 includes: a first party determining unit, a second party determining unit and a third party determining unit; wherein the content of the first and second substances,
a first intention acquisition unit, configured to respond to a first participation offer of the fund service initiated by a sponsor of the fund service to an original block chain according to a participation requirement of the fund service, and acquire a first participation intention fed back by nodes of the original block chain in response to the first participation offer;
a first participant determining unit, configured to determine, according to the first participation intention, at least two initially selected participants of the fund service from each node of an original block chain, and construct a first federation block chain for the at least two initially selected participants;
a second intention obtaining unit, configured to respond to a second participation offer of the fund service initiated by the sponsor for the fund service according to the preliminary application information of the fund service, and obtain second participation intentions fed back by each node of the first federation block chain in response to the second participation offer;
a second participant determining unit, configured to determine at least two selection participants of the funding service from the at least two preliminary selection participants according to the second participation intention, and construct a second federation block chain for the at least two selection participants;
a third intention obtaining unit, configured to respond to a third participation offer of the fund service initiated by the sponsor of the fund service to the second federation block chain according to the detailed application information of the fund service, and obtain a third participation intention, fed back by each node of the second federation block chain in response to the third participation offer;
a third participant determining unit, configured to determine at least two final participants of the funding service from the at least two selection participants according to the third participation intention, and construct a third federation block chain for the at least two final participants.
Further, the second party determining unit is specifically configured to:
evaluating the fund service according to the second participation desire;
and if the evaluation result is passed, taking the initial selection participant with the second participation intention as the agreed participation party as the selection participant.
Further, the above apparatus further comprises:
a transaction request sending module, configured to initiate an uplink transaction request including the at least two pieces of participant information to the federated blockchain, so as to write the at least two pieces of participant information into the federated blockchain; the participant information includes identification information and/or participation willingness of the participant.
Further, the transaction request sending module is further configured to:
and if the fund service notification message is acquired, initiating an uplink transaction request containing the fund service notification message to the alliance block chain so as to write the fund service notification message into the alliance block chain.
Further, the data uplink storage module 303 is further configured to:
responding to an uplink transaction request containing a verification result of the fund service notification message to write the verification result into the alliance block chain.
Further, the capital business is a banking business; the at least two parties are fund managers who provide the banking business, and the proposing party is included in the at least two parties.
Example four
Fig. 4 is a schematic structural diagram of an apparatus according to a fourth embodiment of the present invention, and fig. 4 shows a block diagram of an exemplary apparatus suitable for implementing the embodiment of the present invention. The device shown in fig. 4 is only an example and should not bring any limitation to the function and the scope of use of the embodiments of the present invention. The device may typically be a device configured with blockchain nodes.
As shown in FIG. 4, device 400 is in the form of a general purpose computing device. The components of device 400 may include, but are not limited to: one or more processors or processing units 416, a memory 428, and a bus 418 that couples the various system components including the memory 428 and the processing unit 416.
A program/utility 440 having a set (at least one) of program modules 442 may be stored, for instance, in memory 428, such program modules 442 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 442 generally perform the functions and/or methodologies of embodiments described herein.
The processing unit 416 executes programs stored in the memory 428 to perform various functional applications and data processing, such as implementing a block chain-based fund transaction processing method provided by any embodiment of the present invention.
EXAMPLE five
An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program (or referred to as computer-executable instructions) is stored, where the computer program is used for executing a method for processing a fund service based on a block chain when executed by a processor, and the method includes:
responding to a participation proposal of the fund service initiated by a sponsor of the fund service, and acquiring participation willingness of each node of a block chain responding to feedback of the participation proposal;
determining at least two participants of the fund service according to the participation desire, and constructing a block chain of alliances for the at least two participants;
and responding to an uplink transaction request which is sent by the alliance block chain and contains a fund service notification message, and writing the fund service notification message into the alliance block chain.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for embodiments of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the embodiments of the present invention have been described in more detail through the above embodiments, the embodiments of the present invention are not limited to the above embodiments, and many other equivalent embodiments may be included without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (11)
1. A method for processing fund services based on a block chain, wherein the method is performed by a block chain node, and the method comprises the following steps:
responding to a participation proposal of the fund service initiated by a sponsor of the fund service, and acquiring participation willingness of each node of a block chain responding to feedback of the participation proposal;
determining at least two participants of the fund service according to the participation desire, and constructing a block chain of alliances for the at least two participants;
and responding to an uplink transaction request which is sent by the alliance block chain and contains a fund service notification message, and writing the fund service notification message into the alliance block chain.
2. The method of claim 1, wherein in response to a proposal for participation in a funds service initiated by a sponsor of the funds service, acquiring participation willingness of each node of a blockchain to respond to feedback from the proposal for participation, comprises:
responding to a participation proposal of the fund service initiated by a proposing party of the fund service, and determining an effective time period for participating in an agreement;
and acquiring participation willingness of each node of the block chain to respond to the participation offer feedback in the effective time period.
3. The method according to claim 1, characterized in that, in response to a participation proposal of the fund service initiated by a sponsor of the fund service, each node of the block chain acquires a participation willingness fed back in response to the participation proposal; determining at least two participants of the fund service according to the participation desire, and constructing a block chain of alliances for the at least two participants, comprising:
responding to a first participation proposal of the fund service initiated to the original block chain by a sponsor of the fund service according to the participation requirement of the fund service, and acquiring a first participation intention fed back by each node of the original block chain in response to the first participation proposal; determining at least two initial participants of the fund service from each node of an original block chain according to the first participation intention, and constructing a first alliance block chain for the at least two initial participants;
a presenter responding to the fund service proposes a second participation proposal of the fund service initiated by the first alliance block chain according to the preliminary application information of the fund service, and obtains a second participation intention fed back by each node of the first alliance block chain responding to the second participation proposal; determining at least two selected participants of the fund service from the at least two initially selected participants according to the second participation intention, and constructing a second union block chain for the at least two selected participants;
a third participation proposal of the fund service initiated to the second union block chain by a sponsor responding to the fund service according to the detailed application information of the fund service, and a third participation intention fed back by each node of the second union block chain responding to the third participation proposal; determining at least two final participants of the fund service from the at least two selection participants according to the third participation desire, and constructing a third federation block chain for the at least two final participants.
4. The method of claim 3, wherein determining at least two select participants of the funding service from the at least two initially selected participants according to the second willingness to participate comprises:
evaluating the fund service according to the second participation desire;
and if the evaluation result is passed, taking the initial selection participant with the second participation intention as the agreed participation party as the selection participant.
5. The method of claim 1, wherein after determining at least two participants of the funding service, further comprising:
initiating an uplink transaction request including the at least two participant information to the federated blockchain to write the at least two participant information to a federated blockchain; the participant information includes identification information and/or participation willingness of the participant.
6. The method of claim 1, wherein after building a federation blockchain for the at least two participants, further comprising:
and if the fund service notification message is acquired, initiating an uplink transaction request containing the fund service notification message to the alliance block chain so as to write the fund service notification message into the alliance block chain.
7. The method of claim 1, wherein after writing the funds transaction notification message to the federation blockchain, further comprising:
responding to an uplink transaction request containing a verification result of the fund service notification message to write the verification result into the alliance block chain.
8. The method according to any one of claims 1-7, wherein the funding service is a banking service; the at least two parties are fund managers who provide the banking business, and the at least two parties comprise propositors.
9. A blockchain-based money service processing apparatus, configured in a blockchain node, the apparatus comprising:
a participation intention acquisition module, configured to respond to a participation offer of the fund service initiated by an offeror of the fund service, and acquire participation intentions fed back by each node of the block chain in response to the participation offer;
a participant determining module, configured to determine at least two participants of the fund service according to the participation desire, and construct a federation block chain for the at least two participants;
and the data uplink storage module is used for responding to an uplink transaction request which is sent by the alliance block chain and contains a fund service notification message, and writing the fund service notification message into the alliance block chain.
10. An apparatus, characterized in that the apparatus comprises:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the blockchain-based funds transaction method of any of claims 1-8.
11. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a method of blockchain-based funds transaction processing according to any one of claims 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911194126.6A CN110969524A (en) | 2019-11-28 | 2019-11-28 | Block chain-based fund service processing method, device, equipment and medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911194126.6A CN110969524A (en) | 2019-11-28 | 2019-11-28 | Block chain-based fund service processing method, device, equipment and medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110969524A true CN110969524A (en) | 2020-04-07 |
Family
ID=70032138
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911194126.6A Pending CN110969524A (en) | 2019-11-28 | 2019-11-28 | Block chain-based fund service processing method, device, equipment and medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110969524A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111580960A (en) * | 2020-04-27 | 2020-08-25 | 傲林科技有限公司 | Industrial chain financial management method and device based on block chain and storage medium |
| CN111986025A (en) * | 2020-09-02 | 2020-11-24 | 深圳壹账通智能科技有限公司 | Loan transaction processing method and system based on block chain |
| WO2021223493A1 (en) * | 2020-05-04 | 2021-11-11 | Alipay Labs (singapore) Pte. Ltd. | Method and system for blockchain-based loan management |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109801152A (en) * | 2019-01-24 | 2019-05-24 | 中国农业银行股份有限公司 | Supplementary pension method for processing business and system based on block chain |
| CN109801153A (en) * | 2018-12-13 | 2019-05-24 | 平安科技（深圳）有限公司 | Syndicated loan method and relevant apparatus based on cloud monitoring |
| CN110046895A (en) * | 2019-04-23 | 2019-07-23 | 浙江泰链科技有限公司 | Compatible ether mill distribution account book method, apparatus, equipment and medium |
| CN110060148A (en) * | 2019-04-23 | 2019-07-26 | 浙江泰链科技有限公司 | Assets shared data circulation method, apparatus, equipment and medium based on block chain |
-
2019
- 2019-11-28 CN CN201911194126.6A patent/CN110969524A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109801153A (en) * | 2018-12-13 | 2019-05-24 | 平安科技（深圳）有限公司 | Syndicated loan method and relevant apparatus based on cloud monitoring |
| CN109801152A (en) * | 2019-01-24 | 2019-05-24 | 中国农业银行股份有限公司 | Supplementary pension method for processing business and system based on block chain |
| CN110046895A (en) * | 2019-04-23 | 2019-07-23 | 浙江泰链科技有限公司 | Compatible ether mill distribution account book method, apparatus, equipment and medium |
| CN110060148A (en) * | 2019-04-23 | 2019-07-26 | 浙江泰链科技有限公司 | Assets shared data circulation method, apparatus, equipment and medium based on block chain |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111580960A (en) * | 2020-04-27 | 2020-08-25 | 傲林科技有限公司 | Industrial chain financial management method and device based on block chain and storage medium |
| WO2021223493A1 (en) * | 2020-05-04 | 2021-11-11 | Alipay Labs (singapore) Pte. Ltd. | Method and system for blockchain-based loan management |
| CN111986025A (en) * | 2020-09-02 | 2020-11-24 | 深圳壹账通智能科技有限公司 | Loan transaction processing method and system based on block chain |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20190026821A1 (en) | Intermediate blockchain system for managing transactions | |
| CN110969524A (en) | Block chain-based fund service processing method, device, equipment and medium | |
| CN111738844A (en) | Resource allocation system, method and device based on block chain | |
| US11687942B2 (en) | Method and apparatus for processing account of blockchain network, and storage medium | |
| CN111369260A (en) | Privacy-protecting risk prediction method and device | |
| US20180096324A1 (en) | Transaction interactions between node groups | |
| CN113591097A (en) | Service data processing method and device, electronic equipment and storage medium | |
| CN112580306A (en) | Method and device for generating insurance letter | |
| KR20170123421A (en) | Authentication system and method for the public accounts that multiple members of the co-ownership | |
| CN111950249A (en) | Message generation method and device, electronic equipment and storage medium | |
| CN110572457B (en) | Resource application method and device based on block chain, electronic equipment and storage medium | |
| CN110322321B (en) | Block chain-based electronic bill transfer method, device, equipment and medium | |
| CN110417917B (en) | Method, system, computer device and medium for ticket circulation | |
| CN110727735B (en) | Method, device and equipment for cooperatively completing task event based on block chain technology | |
| CN110532810B (en) | Information processing method and device, electronic equipment and readable storage medium | |
| US20150206143A1 (en) | Line item processing in a multi-layer transaction tracking system | |
| WO2020063180A1 (en) | Transaction processing method and device, electronic device and computer-readable storage medium | |
| CN116186755A (en) | Privacy calculating method, device, terminal equipment and storage medium | |
| CN112182400B (en) | Message processing method, message processing device, electronic equipment and storage medium | |
| CN114066451A (en) | Method and system for managing fund transaction and electronic equipment | |
| CN114372800A (en) | Transaction processing method, apparatus, device, medium and product | |
| CN112037056B (en) | Transaction processing method, device, equipment and storage medium | |
| CN111125136B (en) | Blockchain method and system for key term authentication in translation process | |
| US11080389B2 (en) | Integrated secure pin conferencing system | |
| CN114004701A (en) | Method and device for generating transaction result, electronic 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 | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20220926 Address after: 25 Financial Street, Xicheng District, Beijing 100033 Applicant after: CHINA CONSTRUCTION BANK Corp. Address before: 25 Financial Street, Xicheng District, Beijing 100033 Applicant before: CHINA CONSTRUCTION BANK Corp. Applicant before: Jianxin Financial Science and Technology Co.,Ltd. |
|
| TA01 | Transfer of patent application right |