CN110992021A

CN110992021A - Intelligent contract-based fund management method, device and equipment

Info

Publication number: CN110992021A
Application number: CN201911137164.8A
Authority: CN
Inventors: 邹雪晴
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Ant Blockchain Technology Shanghai Co Ltd
Priority date: 2019-11-19
Filing date: 2019-11-19
Publication date: 2020-04-10

Abstract

A fund management method, device and equipment based on intelligent contracts are disclosed. The method comprises the steps that a first user sets the current state and the target state of the first user in advance, creates an on-chain account and initiates crowd funding to a second user, funds in the on-chain account cannot be used as long as each first user does not reach the target state, and if the target state of each first user fails to be achieved, the funds of the second user are returned to the original path, and in the whole process, the fund change records of the on-chain account are completed on the basis of an intelligent contract and are written into a block chain to form an untampered record.

Description

Intelligent contract-based fund management method, device and equipment

Technical Field

The embodiment of the specification relates to the technical field of information, in particular to a fund management method, device and equipment based on an intelligent contract.

Background

In reality, there are many ways to "crowd funding" for the public, such as donations, share money, etc., which are not very interactive and transparent for the public, and the use of "crowd funding" funds cannot be traced, and for the crowd funding initiator, there is almost no cost and it is difficult to pursue.

Based on this, a more transparent fund management scheme is needed.

Disclosure of Invention

It is an object of embodiments of the present application to provide a more transparent fund management scheme.

In order to solve the above technical problem, the embodiment of the present application is implemented as follows:

acquiring an intelligent contract containing the current state and the target state of each first user between first user groups, and deploying, wherein the intelligent contract is initiated by the first users of the first user groups together, and the first user groups contain at least two first users;

creating an on-chain account associated with the target status for each second user to transfer funds to the on-chain account, wherein each record of change of funds of the on-chain account is written into the blockchain;

determining whether the target state of each first user is achieved according to the intelligent contract, and if so, transferring the available funds in the chain accounts to the fund accounts of each first user; and if not, returning the available funds in the chain account to the fund account of the second user.

Correspondingly, an embodiment of the present specification further provides a business risk prevention and control device, including:

a fund management device based on intelligent contracts is applied to node equipment of a block chain and comprises the following components:

the contract acquisition module is used for acquiring an intelligent contract containing the current state and the target state of each first user between first user groups and deploying the intelligent contract, wherein the intelligent contract is initiated by the first users of the first user groups together, and the first user groups contain at least two first users;

the on-chain account creating module is used for creating on-chain accounts related to the target state so that second users can transfer funds to the on-chain accounts, wherein each fund change record of the on-chain accounts is written into the block chain;

a determining module for determining whether the target state of each first user is achieved according to the intelligent contract,

the transfer module transfers the available funds in the chain accounts to the fund accounts of the first users if the available funds in the chain accounts are not available; and if not, returning the available funds in the chain account to the fund account of the second user.

According to the scheme provided by the embodiment of the specification, the first user sets the current state and the target state of the first user in advance, creates the on-chain account and initiates crowd funding to the second user, the fund in the on-chain account cannot be used as long as each first user does not reach the target state, and if the target state of each first user fails to be achieved, the fund original path of the second user is returned, the fund change records of the on-chain account are completed based on the intelligent contract in the whole process and are written into the block chain to form the record which cannot be tampered, the user can inquire and verify at any time, and transparent fund management is achieved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of embodiments of the invention.

In addition, any one of the embodiments in the present specification is not required to achieve all of the effects described above.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the embodiments of the present specification, and other drawings can be obtained by those skilled in the art according to the drawings.

Fig. 1 is a schematic diagram of a system architecture provided in an embodiment of the present disclosure.

FIG. 2 is a flow chart of a method for intelligent contract-based fund management provided by an embodiment of the present specification;

fig. 3 is a schematic diagram in a specific implementation scenario provided in an embodiment of the present disclosure;

FIG. 4 is a schematic structural diagram of a fund management device based on intelligent contracts provided by embodiments of the present specification;

fig. 5 is a schematic structural diagram of an apparatus for configuring a method according to an embodiment of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the embodiments of the present specification, the technical solutions in the embodiments of the present specification will be described in detail below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all the embodiments. All other embodiments that can be derived by one of ordinary skill in the art from the embodiments given herein are intended to be within the scope of protection.

Blockchains are generally divided into three types: public chain (Public Blockchain), private chain (PrivateBlockchain) and alliance chain (Consortium Blockchain). In addition, there are various types of combinations, such as private chain + federation chain, federation chain + public chain, and other different combinations. The most decentralized of these is the public chain. The public chain is represented by bitcoin and ether house, and the participators joining the public chain can read the data record on the chain, participate in transaction, compete for accounting right of new blocks, and the like. Furthermore, each participant (i.e., node) is free to join and leave the network and perform related operations. Private chains are the opposite, with the network's write rights controlled by an organization or organization and the data read rights specified by the organization. Briefly, a private chain can be a weakly centralized system with strictly limited and few participating nodes. This type of blockchain is more suitable for use within a particular establishment. A federation chain is a block chain between a public chain and a private chain, and "partial decentralization" can be achieved. Each node in a federation chain typically has a physical organization or organization corresponding to it; participants jointly maintain blockchain operation by authorizing to join the network and forming a benefit-related alliance.

Whether public, private, or alliance, may provide the functionality of an intelligent contract. An intelligent contract on a blockchain is a contract that can be executed on a blockchain system triggered by a transaction. The smart contracts may be customized or created in the form of code.

Taking the ethernet as an example, the support user creates and invokes some complex logic in the ethernet network, which is the biggest challenge of ethernet to distinguish from bitcoin blockchain technology. The core of the ethernet plant as a programmable blockchain is the ethernet plant virtual machine (EVM), each ethernet plant node can run the EVM. The EVM is a well-behaved virtual machine, which means that a variety of complex logic can be implemented through it. The user issuing and invoking smart contracts in the etherhouse is running on the EVM.

For example, as shown in fig. 1, fig. 1 is a schematic diagram of a system architecture provided in the embodiment of the present disclosure. In this system, after Bob sends a transaction containing the information to create the intelligent contract to the ethernet network, the EVM of node 1 may execute the transaction and generate the corresponding contract instance. The "0 x6f8ae93 …" in fig. 1 represents the address of the contract and the to field of the transaction is an empty account. After the agreement is achieved among the nodes through the consensus mechanism, the contract is successfully created, and the subsequent user can call the contract.

In practical application, the intelligent contract may be written by the user in a high-level language, or the user may generate a corresponding intelligent contract by setting some parameters and trigger conditions based on a certain contract template provided by the client.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings. As shown in fig. 2, fig. 2 is a schematic flowchart of a fund management method based on an intelligent contract provided in an embodiment of this specification, and is applied to a node device of a block chain, where the process specifically includes the following steps:

s201, obtaining an intelligent contract containing the current state and the target state of each first user among the first user groups, and deploying.

The first user group is each first user initiating crowd funding, and in this embodiment of the present specification, at least two first users should be included in the first user group, and certainly, in some implementation scenarios, the first user group may also be multiple first users.

In the real-time scenario of the embodiment of the present specification, in order to effectively improve the participation degree in the public funding activities, each first user in the first user group generally has some common interest relationship, for example, is currently a lover relationship, or is currently a member of the same fitness team, and so on. So that they may have a common basis for initiating the setting of the same target state and inviting a wider range of members to participate in crowd funding.

In one embodiment, each first user needs to pass identity verification, such as real name authentication, biometric verification, and the like, to ensure the authenticity of the relevant information in the smart contract.

The current state and the target state may be preset by each first user, and it should be noted that the target state may include an expiration time, or may be set only for some first users in the first user group.

For example, two users are currently in a lover relationship, about to be married, and therefore want to start receiving parities to a crowd, so two people perform identity authentication, and are tied with a unique identity on the chain, and set the target status to "two people remain married and remain more than 3 years before XX month XX day XX year".

For another example, in an exercise facility, 3 friends are exercising together and form a first user group, which is agreed with other friends, and if the members of the first user group lose weight for a total of 40 kilograms in 3 months, i.e., 500 dollars are awarded, then the current status may be "current time + member current weight", and the goal status may be "(current time +3 months) + (member current weight-40 kilograms)".

Specifically, due to the existence of a plurality of first users, in practical application, any first user can jointly initiate the editing of the intelligent contract to other members through the client, and the intelligent contract can only be established after all the members are uniformly confirmed; or one of the users may initiate editing of the intelligent contract, and the content of the edited intelligent contract is displayed to the other first users in a visual form, and the other users only need to determine the content.

For example, a couple announces that marriage is about to occur, and therefore, after first passing through identity authentication, each opens an account on a client, and the identity, the current state (lover relationship) and the target state (marriage date, place, etc.) are determined in the client by any account, an intelligent contract containing the identities, the current state and the target state of two users is generated and sent to a node device of a block chain, and meanwhile, the node device of the block chain can send the intelligent contract to another user to wait for confirmation of the other user, and if the two users both confirm, the intelligent contract is deployed on the block chain network.

The intelligent contracts are deployed on the block chain network, namely the intelligent contracts are written into the block chain in a digital form, and the characteristics of the block chain technology ensure that the whole process of storage, reading and execution is transparent, traceable and not capable of being tampered.

S203, creating a chain account related to the target state.

Here, the chain account may be a bank account, or a third party payment account, etc., and the chain account may be used for each second account to transfer to the account, and the fund change record of the account is written into the block chain.

The account on the chain does not belong to any first user, the fund detail of the account is public for all users, and any second user who has performed the transfer action can inquire the transfer record of the second user in the block chain network. Meanwhile, any first user has no operation authority (including payment, transfer and the like) on the chain user, so that the fund source of the chain account is ensured to be clean and reliable, the fund on the chain account cannot be randomly used, and the openness and transparency of the whole process are ensured.

Whether the account on the chain has the transfer action depends on the target state in the intelligent contract, in other words, the account on the chain is the account which triggers the operation action through the intelligent contract.

S205, determining whether the target state of each first user is achieved according to the intelligent contract.

Judging whether the target state of each first user is achieved or not, wherein the target state of each first user can be divided into two types, and the first type needs to be confirmed by a trusted authority; second, validation by a trusted authority is not required. Based on this, different authentication methods can be employed as to whether or not the target state is achieved.

Specifically, for the first method, in a situation that authentication needs to be performed by the trusted authority, a user may first obtain a certificate at the trusted authority, and then upload the certificate to the node device of the blockchain, and then, the node device of the blockchain performs a certification to the trusted authority.

For example, the target state set by the first user is "before xx time point, the certificate of the a authority is obtained", based on which, the first user may issue the obtained certificate to the blockchain network through the client before xx time point, and then initiate authentication to the a authority by the node device in the blockchain, or, directly notarize the certificate by the a authority and issue the certificate to the blockchain network, and after confirmation, invoke an intelligent contract to determine whether the target state is achieved.

In this embodiment, the certification result of the trusted authority needs to be written into the blockchain so that any public person can inquire and verify at any time

For the second, in the case of authentication without a trusted authority, whether the target status is achieved can be confirmed by public voting, for example, a network writer or director sets the target status to "next work is better", and in this case, there is no absolute measure.

Therefore, when the first user sets the target state, if the conditions include the conditions, the server may invoke a corresponding voting intelligence contract to determine whether the target state is achieved.

For example, a callable voting intelligence contract is provided in an etherhouse, and the entire vote counting process is automatic and completely transparent. Only one contract, abbreviated as create, needs to be set up for voting first, and the initiator (i.e., the server) acts as a chairman to assign corresponding rights to each individual address. Each participant may vote themselves or delegate to a trusted proposal, and the voting intelligence contract will eventually return the proposal with the most votes (e.g., the work has progressed, has not progressed, or has stepped back).

In one embodiment, the media can be distributed without any threshold, namely, the voting authority corresponding to all persons is given, so that the widest public participation is realized, and the media distribution is facilitated.

In one embodiment, only the second user who has performed the fund transfer may be given the corresponding voting right, that is, each time it is monitored that a second user performs the fund transfer through the client, the voting smart contract may be invoked to give the corresponding voting right to the second user, so that the second user performs the voting.

Furthermore, the corresponding authority of different second users can be allocated according to the size of the amount of the fund transfer, and generally speaking, the larger the amount of the fund transfer is, the larger the weight of the voting is.

For example, multiple gears may be divided according to the amount of funds transferred, giving different weights to people in different gears. For example, three different gears 100, 500 and 1000 are respectively divided, and voting weights of 1, 2 and 3 are respectively given.

As another example, the proportion of the money transfer in the total transfer amount may also be determined, and the proportion of the transfer amount in the total amount may be determined as the voting weight of the second user.

In the embodiment, by setting the corresponding voting weight threshold and configuring the corresponding weight according to different transfer amounts, idle people irrelevant to the fund can be filtered out, the voting quality is improved, and effective fund supervision is realized.

S207, if yes, transferring the available funds in the chain accounts to the fund accounts of the first users; and if not, returning the available funds in the chain account to the fund account of the second user.

As previously described, each second user may transfer funds into the on-chain account, but not out of the on-chain account, before the target state is reached.

If the goal is determined to be achieved, the transfer may be performed according to the smart contract, and the funds of the linked accounts may be transferred to the accounts of the first users in the first user group (when the smart contract is generated, the first users may write their respective funds accounts into the smart contract). Specifically, the transfer may be performed in a single-time manner or in batches.

For example, if the target status in the smart contract is "lose 10kg before time T1" and "maintain weight until cutoff time T2", then even if "lose 10 kg" is achieved at time T1, the smart contract may continue to monitor the first user's uploaded evidence until time T2, and the chain account incentive funds are transferred in batches to the first user's funds account at cutoff time T2.

Conversely, if the user fails to achieve the target status set in the intelligent contract, the available funds in the on-chain account will need to be returned to the second user's funds account at this time.

Specifically, the second user account may be returned according to the original amount of the second user account, or the second user account may be returned according to the fund return rule set in the intelligent contract.

For example, if the condition "double return" is set in the intelligent contract, the fund account of the first user automatically transfers the equivalent amount to the on-chain account whenever the second user transfers the fund to the on-chain account, or the users of the first user group pre-set the guarantee fund of the enemy amount in the on-chain account, so that if the target state of the first user group fails to be achieved, double return is performed to each transfer user.

According to the scheme provided by the embodiment of the specification, the current state and the target state of the first user are preset by the first user, the chain account is created to initiate crowd funding to the second user, the fund in the chain account cannot be used as long as each first user does not reach the target state, and if the target state of each first user fails to be achieved, the fund original path of the second user is returned, the fund change record of the chain account is completed on the basis of an intelligent contract in the whole process and written into the block chain, a record which cannot be tampered is formed, the user can inquire and verify at any time, and transparent fund management is achieved.

The scheme provided by the embodiment of the specification can be widely applied to a plurality of crowd funding or media propagation and other scenes. For example, if a couple announces to get married, the couple can perform real person authentication through the client, bind with the unique identity on the chain, and start to set a corresponding target state (marrying date, maintaining time, etc., return rules, etc.), generate an intelligent contract and a corresponding on-chain account, accept the share money, and buy money from the friends, classmates, and melon masses of the relatives to the on-chain account, if the married couple is confirmed (can be verified by a trusted authority and the authentication result is written into the block chain), the share money is periodically paid to the on-chain account of the couple, if the married couple is not married by a specified time, even if the couple does not lose money by the time, the couple can be audited by the authority or voted by crowds to determine failure, and the share money is returned to the person who has made the share money according to the agreement. As shown in fig. 3, fig. 3 is a schematic diagram in a specific implementation scenario provided in the embodiment of the present disclosure.

Correspondingly, an embodiment of the present specification further provides a fund management apparatus based on an intelligent contract, which is applied to a node device of a block chain, as shown in fig. 4, where fig. 4 is a schematic structural diagram of the fund management apparatus based on an intelligent contract provided by the embodiment of the present specification, and includes:

a contract obtaining module 401, configured to obtain an intelligent contract including a current state and a target state of each first user between first user groups, and deploy the intelligent contract, where the intelligent contract is initiated by the first users of the first user groups, and the first user groups include at least two first users;

an on-chain account creation module 403, configured to create an on-chain account associated with the target status, so that each second user may transfer funds to the on-chain account, where each fund change record of the on-chain account is written into the blockchain;

a determination module 405 that determines whether the target status of the first users is achieved according to the smart contract,

a transfer module 407, configured to transfer available funds in the chain accounts to the fund accounts of the first users if the available funds in the chain accounts are not available; and if not, returning the available funds in the chain account to the fund account of the second user.

Further, the intelligent contract also comprises a fund returning rule, and correspondingly, the transfer module returns the available fund in the chain account to the fund account of the second user according to the fund returning rule.

Further, the determining module 405 gives the second users who have performed fund transfer the voting right to a pre-deployed voting intelligence contract, where the voting intelligence contract is used for each second user to determine whether the target state is achieved; and determining whether the target state of the first user is achieved according to the voting result of the voting intelligent contract.

Further, the determining module 405 determines, for any second user, a weight of the voting weight of the second user according to the fund transfer amount of the second user, where the fund transfer amount is positively correlated with the weight.

Further, the current state of each first user comprises a lover relationship, and correspondingly, the target state comprises a marital relationship; accordingly, the determining module 405 initiates verification to a trusted authority regarding marital relations, determines whether the target state is achieved according to the verification result, and writes the verification result into the block chain.

Further, the transfer module 407 transfers the available funds in the chain accounts to the fund accounts of the first users in stages within a specified time period.

Embodiments of the present specification also provide a computer device including at least a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the intelligent contract-based fund management method shown in fig. 2 when executing the program.

Fig. 5 is a schematic diagram illustrating a more specific hardware structure of a computing device according to an embodiment of the present disclosure, where the computing device may include: a processor 1010, a memory 1020, an input/output interface 1030, a communication interface 1040, and a bus 1050. Wherein the processor 1010, memory 1020, input/output interface 1030, and communication interface 1040 are communicatively coupled to each other within the device via bus 1050.

The processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present disclosure.

The Memory 1020 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random access Memory), a static storage device, a dynamic storage device, or the like. The memory 1020 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 1020 and called to be executed by the processor 1010.

The input/output interface 1030 is used for connecting an input/output module to input and output information. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.

The communication interface 1040 is used for connecting a communication module (not shown in the drawings) to implement communication interaction between the present apparatus and other apparatuses. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).

Bus 1050 includes a path that transfers information between various components of the device, such as processor 1010, memory 1020, input/output interface 1030, and communication interface 1040.

It should be noted that although the above-mentioned device only shows the processor 1010, the memory 1020, the input/output interface 1030, the communication interface 1040 and the bus 1050, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.

Embodiments of the present description also provide a computer-readable storage medium on which a computer program is stored, which when executed by a processor, implements the intelligent contract-based fund management method shown in fig. 2.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

From the above description of the embodiments, it is clear to those skilled in the art that the embodiments of the present disclosure can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the embodiments of the present specification may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments of the present specification.

The systems, methods, modules or units described in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the method embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to the partial description of the method embodiment for relevant points. The above-described method embodiments are merely illustrative, wherein the modules described as separate components may or may not be physically separate, and the functions of the modules may be implemented in one or more software and/or hardware when implementing the embodiments of the present specification. And part or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

The foregoing is only a specific embodiment of the embodiments of the present disclosure, and it should be noted that, for those skilled in the art, a plurality of modifications and decorations can be made without departing from the principle of the embodiments of the present disclosure, and these modifications and decorations should also be regarded as the protection scope of the embodiments of the present disclosure.

Claims

1. A fund management method based on intelligent contracts is applied to node equipment of a block chain and comprises the following steps:

creating chain accounts related to the target state so that each second user can transfer funds to the chain accounts, wherein the fund change records of the chain accounts are written into the block chain;

2. The method of claim 1, wherein the intelligent contract further comprises a fund return rule,

correspondingly, returning the available funds in the chain account to the fund account of the second user comprises: and returning the available funds in the on-chain account to the fund account of the second user according to the fund return rule.

3. The method of claim 1, determining whether the target status of the first users is achieved according to the smart contract, comprising:

granting voting rights to second users who have performed funds transfers to a pre-deployed voting intelligence contract, wherein the voting intelligence contract is used by each second user to determine whether the target state is achieved;

and determining whether the target state of the first user is achieved according to the voting result of the voting intelligent contract.

4. The method of claim 3, granting voting rights to a second user who has performed a fund transfer to a pre-deployed voting intelligence contract, comprising:

and aiming at any second user, determining the weight of the voting weight of the second user according to the fund transfer amount of the second user, wherein the fund transfer amount is positively correlated with the weight.

5. The method of claim 1, wherein the current status of each first user comprises a lover relationship, and correspondingly, the target status comprises a marital relationship;

correspondingly, determining whether the target state of each first user is achieved according to the intelligent contract comprises the following steps:

and initiating verification to a trusted authority about marital relations, determining whether the target state is achieved according to the verification result, and writing the verification result into the block chain.

6. The method of claim 1, transferring the available funds in the chain accounts to the funds accounts of the respective first users, comprising:

and transferring the available funds in the chain accounts to the fund accounts of the first users in stages within a specified time length.

7. A fund management device based on intelligent contracts is applied to node equipment of a block chain and comprises the following components:

8. The apparatus as recited in claim 7, wherein the smart contract further comprises a fund return rule, and wherein the transfer module returns the available fund in the on-chain account to the fund account of the second user in response to the fund return rule.

9. The apparatus of claim 7, the determination module to grant voting authority to second users who have performed funds transfers to a pre-deployed voting intelligence contract, wherein the voting intelligence contract is used by each second user to determine whether the target state is achieved; and determining whether the target state of the first user is achieved according to the voting result of the voting intelligent contract.

10. The device of claim 9, wherein the determining module determines the weight of the voting weight of any second user according to the fund transfer amount of the second user, wherein the fund transfer amount is positively correlated with the weight.

11. The apparatus of claim 7, the current status of each first user comprising a lover relationship and, correspondingly, the target status comprising a marital relationship; correspondingly, the determining module initiates verification to a trusted authority about marital relations, determines whether the target state is achieved according to the verification result, and writes the verification result into the block chain.

12. The apparatus as recited in claim 7, the transfer module comprising: and transferring the available funds in the chain accounts to the fund accounts of the first users in stages within a specified time length.

13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 6 when executing the program.