CN110992164B - Transaction processing method, device, system and equipment based on block chain - Google Patents

Transaction processing method, device, system and equipment based on block chain Download PDF

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CN110992164B
CN110992164B CN201911148882.5A CN201911148882A CN110992164B CN 110992164 B CN110992164 B CN 110992164B CN 201911148882 A CN201911148882 A CN 201911148882A CN 110992164 B CN110992164 B CN 110992164B
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mortgage
information
block chain
certificate
terminal device
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CN110992164A (en
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李敏
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Alipay Hangzhou Information Technology Co Ltd
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Alipay Hangzhou Information Technology Co Ltd
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    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2458—Special types of queries, e.g. statistical queries, fuzzy queries or distributed queries
    • G06F16/2471—Distributed queries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The embodiment of the specification provides a transaction processing method, a device, a system and equipment based on a block chain, wherein the method comprises the following steps: the block chain link point receives the application record information to be stored sent by a first terminal device of a user of the application mechanism, and stores the application record information into the block chain; the insurance application record information is information recorded after the first terminal equipment receives an insurance application request sent by second terminal equipment of a requester user and generates an insurance application certificate, and the insurance application record information comprises a certificate identifier of the insurance application certificate; when the block chain node receives a state query request sent by third terminal equipment of a first mortgage mechanism user, the mortgage state information of the insurable voucher is queried from the block chain according to the voucher identification of the insurable voucher to be mortgage, which is included in the state query request; and sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out the mortgage processing based on the mortgage request according to the mortgage state information.

Description

Transaction processing method, device, system and equipment based on block chain
Technical Field
The present disclosure relates to the field of data processing technologies, and in particular, to a transaction processing method, device, system, and apparatus based on a block chain.
Background
With the continuous development of economic operation mode, the deposit of policy is gradually becoming a way for users to finance, i.e. users adopt policy with certain value to make mortgage in financial institutions to obtain the fund provided by financial institutions. However, since the mortgages between different financial institutions are not transparent in the current policy mortgage process, there are some users who mortgage multiple times in different financial institutions with one policy, so that there is a risk in fund leverage.
Disclosure of Invention
One or more embodiments of the present specification provide a transaction processing method based on a blockchain, which is applied to a blockchain node. The transaction processing method comprises the steps of receiving to-be-stored application record information sent by a first terminal device of an application institution user, and storing the application record information into a block chain. The insurance application record information is information recorded after the first terminal device generates an insurance application certificate based on an insurance application request sent by a second terminal device of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate. And receiving a state query request sent by the third terminal equipment of the first mortgage organization user. The state query request is sent by the third terminal device based on the mortgage request sent by the second terminal device. The status query request comprises a voucher identification of the insurable voucher to be mortgage. And inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification. And sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
One or more embodiments of the present specification provide a transaction processing method based on a blockchain, which is applied to a third terminal device of a user of a first mortgage institution. The transaction processing method comprises the step of receiving a mortgage request sent by a second terminal device of a requester user. Wherein, the mortgage request comprises a certificate mark of the insuring certificate to be mortgage. And sending a state query request to the block chain link point according to the certificate identifier so that the block chain link point queries the mortgage state information of the insurance certificate from the block chain according to the certificate identifier. And receiving the mortgage state information sent by the block chain node. And determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
One or more embodiments of the present specification provide a blockchain-based transaction processing apparatus applied to a blockchain node. The device comprises a first receiving module, wherein the first receiving module is used for receiving the insurance application record information to be stored, which is sent by a first terminal device of an insurance application mechanism user, and storing the insurance application record information into a block chain. The insurance application record information is information recorded after the first terminal device generates an insurance application certificate based on an insurance application request sent by a second terminal device of a requester user. The application record information comprises a certificate identification of the application certificate. The device also comprises a second receiving module which receives the state inquiry request sent by the third terminal equipment of the first mortgage mechanism user. The state query request is sent by the third terminal device based on a mortgage request sent by the second terminal device, and the state query request comprises a certificate identifier of the insurable certificate to be mortgage. The device also comprises a query module which queries the mortgage state information of the insurance certificate from the block chain according to the certificate mark. The device further comprises a sending module, which sends the mortgage state information to the third terminal device, so that the third terminal device determines whether to perform mortgage processing based on the mortgage request according to the mortgage state information.
One or more embodiments of the present specification provide a blockchain-based transaction processing apparatus, which is applied to a third terminal device of a user of a first mortgage institution. The apparatus includes a receiving module that receives a mortgage request sent by a second terminal device of a requester user. Wherein, the mortgage request comprises a certificate mark of the insuring certificate to be mortgage. The device also comprises a sending module which sends a state query request to the block chain link point according to the certificate identifier so as to enable the block chain link point to query the mortgage state information of the insuring certificate from the block chain according to the certificate identifier. The receiving module further receives the mortgage state information sent by the block chain node. The apparatus also includes a determination module that determines whether to perform a mortgage process based on the mortgage request according to the mortgage state information.
One or more embodiments of the present specification provide a blockchain-based transaction processing system. The system comprises a first terminal device of an insurance mechanism user, a second terminal device of a requester user, a third terminal device of a first mortgage mechanism user and a block chain node. And the first terminal equipment receives the application request sent by the second terminal equipment. Wherein the application request includes application information. And generating an insurance application certificate according to the insurance application information, and sending the insurance application certificate to the second terminal equipment. And generating insurance application record information according to the certificate identification in the insurance application certificate, and sending the insurance application record information to the block link points. And the second terminal equipment responds to the application operation of the requester user and sends an application request to the first terminal equipment. And receiving the insurance application certificate sent by the first terminal equipment. And responding to the mortgage operation of the requester user, and sending a mortgage request to the third terminal equipment according to the insuring voucher to be mortgage. And the third terminal equipment receives the mortgage request sent by the second terminal equipment. And sending a state query request to the block chain node according to the voucher identification of the insurable voucher to be mortared, which is included in the mortgage request. And receiving the mortgage state information sent by the block chain node, and determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information. And the block chain node receives the insurance application record information sent by the first terminal equipment and stores the insurance application record information into the block chain. And receiving a state inquiry request sent by the third terminal equipment. And inquiring the mortgage state information of the insurance certificate to be mortgaged from the block chain according to the certificate mark of the insurance certificate to be mortgaged, which is included in the state inquiry request. And sending the mortgage state information to the third terminal equipment.
One or more embodiments of the present specification provide a blockchain-based transaction processing device. The apparatus includes a processor. The apparatus also comprises a memory arranged to store computer executable instructions. When executed, the computer executable instructions receive the application record information to be saved sent by the first terminal equipment of the user of the application mechanism, and save the application record information to the block chain. The insurance application record information is information recorded after the first terminal device generates an insurance application certificate based on an insurance application request sent by a second terminal device of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate. And receiving a state query request sent by the third terminal equipment of the first mortgage organization user. The state query request is sent by the third terminal device based on the mortgage request sent by the second terminal device. The status query request comprises a voucher identification of the insurable voucher to be mortgage. And inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification. And sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
One or more embodiments of the present specification provide a blockchain-based transaction processing device. The apparatus includes a processor. The apparatus also comprises a memory arranged to store computer executable instructions. The computer-executable instructions, when executed, receive a mortgage request sent by a second terminal device of a requestor user. Wherein, the mortgage request comprises a certificate mark of the insuring certificate to be mortgage. And sending a state query request to the block chain link point according to the certificate identifier so that the block chain link point queries the mortgage state information of the insurance certificate from the block chain according to the certificate identifier. And receiving the mortgage state information sent by the block chain node. And determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
One or more embodiments of the present specification provide a storage medium for storing computer-executable instructions that, when executed, receive application record information to be saved sent by a first terminal device of a user of an application authority, and save the application record information into a blockchain. The insurance application record information is information recorded after the first terminal device generates an insurance application certificate based on an insurance application request sent by a second terminal device of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate. And receiving a state query request sent by the third terminal equipment of the first mortgage organization user. The state query request is sent by the third terminal device based on the mortgage request sent by the second terminal device. The status query request comprises a voucher identification of the insurable voucher to be mortgage. And inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification. And sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, receive a mortgage request sent by a second terminal device of a requesting user. Wherein, the mortgage request comprises a certificate mark of the insuring certificate to be mortgage. And sending a state query request to the block chain link point according to the certificate identifier so that the block chain link point queries the mortgage state information of the insurance certificate from the block chain according to the certificate identifier. And receiving the mortgage state information sent by the block chain node. And determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
Drawings
In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.
Fig. 1 is a schematic view of a scenario of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure;
fig. 2 is a first flowchart of a method for processing transactions based on blockchains according to one or more embodiments of the present disclosure;
fig. 3 is a second flowchart of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure;
fig. 4 is a third flowchart of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure;
fig. 5 is a fourth flowchart of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure;
fig. 6 is a fifth flowchart illustrating a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure
Fig. 7 is a sixth flowchart of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure;
fig. 8 is a seventh flowchart of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure;
fig. 9 is an eighth flowchart of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure;
fig. 10 is a schematic diagram illustrating a first module composition of a blockchain-based transaction processing apparatus according to one or more embodiments of the present disclosure;
fig. 11 is a schematic diagram illustrating a second module of a blockchain-based transaction processing apparatus according to one or more embodiments of the present disclosure;
fig. 12 is a schematic block diagram of a transaction processing system according to one or more embodiments of the present disclosure;
fig. 13 is a schematic structural diagram of a transaction processing device based on a blockchain according to one or more embodiments of the present disclosure.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.
Fig. 1 is a schematic view of an application scenario of a transaction processing method based on a blockchain according to one or more embodiments of the present disclosure, as shown in fig. 1, the system includes: a first terminal device of an insurance application organization user, a second terminal device of a requester user, a third terminal device of the first insurance application organization user, and at least one block chain node (only one is shown in fig. 1) of an access block chain; the first terminal device, the second terminal device and the third terminal device may be a mobile phone, a tablet computer, a desktop computer, a portable notebook computer, etc. (only the mobile phone is shown in fig. 1); and the first terminal equipment, the second terminal equipment and the third terminal equipment are in communication connection with the block link points through a wireless network.
Specifically, the second terminal device responds to the application operation of the requester user, acquires application information, and sends an application request to the first terminal device of the application mechanism user according to the application information; the first terminal equipment receives an insurance application request sent by the second terminal equipment, carries out insurance application processing according to insurance application information included in the insurance application request, generates an insurance application certificate, sends the insurance application certificate to the second terminal equipment, generates insurance application record information to be stored according to the insurance application certificate, and sends the insurance application record information to be stored to the block chain link points; the second terminal equipment receives the application guarantee voucher sent by the first terminal equipment, and the block chain link stores the application guarantee record information sent by the first terminal equipment into the block chain; when the requester user needs to mortgage based on the insurance application voucher, operating a second terminal device of the requester user, responding to the mortgage operation of the requester user by the second terminal device, and sending a mortgage request to a third terminal device of the first insurance application mechanism user according to the insurance application voucher to be mortgaged; the third terminal equipment sends a state query request to the block chain node according to the fact that the mortgage request comprises the certificate identification; the block chain node inquires mortgage state information of the insuring voucher to be mortgaged from the block chain according to the voucher identification included in the state inquiry request, and sends the mortgage state information to the third terminal equipment; and the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request according to the mortgage state information sent by the block chain node. Therefore, before the mortgage treatment, based on the information stored in the block chain, the mortgage state information of the insurance certificate to be mortgaged is inquired, the phenomenon that one insurance certificate carries out mortgage for multiple times is effectively avoided, the balance of fund levers is maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurance operation mode is facilitated.
Based on the application scenario architecture, one or more embodiments of the present specification provide a transaction processing method based on a blockchain. Fig. 2 is a schematic flow diagram of a block chain-based transaction processing method according to one or more embodiments of the present disclosure, where the method in fig. 2 can be performed by the block chain node in fig. 1, as shown in fig. 2, and the method includes the following steps:
step S102, receiving insurance application record information to be saved sent by a first terminal device of an insurance application mechanism user, and saving the insurance application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
specifically, the second terminal device of the requester user responds to the application operation of the requester user, acquires application information, and sends an application request to the first terminal device of the application mechanism user according to the application information; the first terminal equipment receives the insurance application request sent by the second terminal equipment, carries out insurance application processing according to the insurance application information, generates an insurance application certificate and sends the insurance application certificate to the second terminal equipment, and the first terminal equipment generates insurance application record information to be stored according to the insurance application certificate and sends the insurance application record information to the block chain link points; and the block chain node receives the application record information sent by the first terminal equipment and stores the application record information into the block chain. Wherein, the application information comprises user information, application amount, application time and the like of the requester user; the insurance application voucher is an insurance application policy, and comprises information of an insurance application mechanism, user information of a requester user, insurance application amount, insurance application time and the like; the insurance application record information comprises information such as certificate identification of insurance application certificate, insurance application mechanism information, user information of requester user, insurance application amount and insurance application time.
Step S104, receiving a state query request sent by a third terminal device of a first mortgage mechanism user, wherein the state query request is sent by the third terminal device based on a mortgage request sent by a second terminal device, and the state query request comprises a certificate identifier of an insurable certificate to be mortgage;
step S106, according to the certificate mark, the mortgage state information of the insurance certificate is inquired from the block chain;
step S108, the third terminal device sends the mortgage state information to enable the third terminal device to determine whether to carry out the mortgage processing based on the mortgage request according to the mortgage state information.
In one or more embodiments of the present specification, by saving the application record information and the like in the blockchain, when receiving a status query request sent by the third terminal device of the first mortgage institution user, the blockchain node can query the mortgage status information of the application credential to be mortgaged based on the information saved in the blockchain, so that the third terminal device determines whether to perform the mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
Considering that the insurance certificate of the requesting user is lost or stolen, the embezzler uses the insurance certificate of the requesting user to carry out mortgage operation, which undoubtedly causes economic loss to the requesting user. Based on this, in order to protect the interests of the requesting user and ensure that the mortgage is truly and effectively, in one or more embodiments of the present specification, as shown in fig. 3, after saving the application record information into the block chain in step S102, the method further includes:
step S103, generating first verification information of the insurance application record information, and sending the first verification information to the first terminal equipment, so that the first terminal equipment sends the first verification information to the second terminal equipment, and the second terminal equipment sends a mortgage request to the third terminal equipment based on the first verification information and the insurance application certificate.
Specifically, the block link point calculates a first hash value of the insurance record information according to a first preset algorithm, uses the calculated first hash value as first verification information of the insurance record information, and sends the first verification information to the first terminal device; the first terminal equipment receives first verification information sent by the blockchain node, and sends the first verification information and the generated insurance application certificate to the second terminal equipment; the second terminal equipment stores the received first verification information and the insurance application certificate in an associated manner; when the requester user wants to mortgage based on the insurance certificate, the second terminal equipment of the requester user can be operated, and correspondingly, the second terminal equipment responds to the mortgage operation of the requester user to obtain the insurance certificate to be mortgaged and first verification information stored in association with the insurance certificate to be mortgaged; and sending a mortgage request to the third terminal equipment according to the acquired insuring voucher and the first verification information. And the third terminal equipment receives the mortgage request sent by the second terminal equipment, acquires the first verification information and the certificate identification of the insurable certificate to be mortgage from the mortgage request, and sends a state query request to the block chain link point according to the acquired first verification information and the certificate identification. The first preset algorithm can be set in practical application according to needs.
Correspondingly, as shown in fig. 3, step S106 includes:
step S106-2, inquiring corresponding insurable record information from the block chain according to the certificate identification included in the mortgage request;
specifically, the voucher identification included in the mortgage request is matched with the voucher identification in the insuring record information stored in the block chain, and the insuring record information where the successfully matched voucher identification is located is used as the insuring record information corresponding to the voucher identification included in the mortgage request.
Step S106-4, verifying the first verification information according to the inquired insurable record information;
specifically, a hash value of the inquired insurable record information is calculated according to a first preset algorithm, whether the calculated hash value is matched with first verification information or not is determined, if yes, verification is determined to be passed, and if not, verification is determined to be failed;
and step S106-6, if the verification is passed, inquiring the mortgage state information of the corresponding insurance application voucher from the block chain according to the voucher identification included in the mortgage request.
Further, if the verification fails, the query failure result is sent to the third client, so that the third client sends the mortgage failure result to the second client.
Therefore, the block link point generates first verification information of the insurance record information and sends the first verification information to the second terminal equipment through the first terminal equipment, so that the second terminal equipment can send a mortgage request to the third terminal equipment based on the first verification information to prove that a requester user is a holder of the insurance certificate to be mortgaged; therefore, economic loss caused by loss or embezzlement of the insurance application certificate of the user of the requesting party to the user of the requesting party can be effectively avoided.
Further, in order to make the mortgage process traceable, in one or more embodiments of the present disclosure, after the mortgage process is performed based on the mortgage request, each mortgage mechanism stores the mortgage record information into the blockchain through the blockchain node, and when the guarantee voucher meets the preset mortgage removing condition, stores the mortgage removing record information into the blockchain through the blockchain node. Correspondingly, as shown in fig. 4, in step S106-6, according to the credential identifier included in the mortgage request, the mortgage state information of the corresponding insurance policy is queried from the block chain, which includes:
step S106-6-2, if the verification is passed, determining whether the inquired insurable record information is the last record information corresponding to the certificate identification according to the sequence of the time for storing each information in the block chain; if yes, determining that the mortgage state information of the insurance certificate is in a non-mortgage state, and executing step S108; if not, executing the step S106-6-4;
step S106-6-4, according to the certificate mark, inquiring the corresponding last piece of record information from the block chain, according to the last piece of record information, determining the mortgage state information of the insurance certificate, and executing step S108.
Specifically, according to the certificate identifier, the corresponding last piece of record information is inquired from the block chain, and the type of the last piece of record information is determined; and the number of the first and second groups,
if the type of the last piece of record information is mortgage record information, determining that the mortgage state information of the insuring voucher to be mortgaged is in a mortgage state; the mortgage record information is information which is stored in the block chain through the block chain link points after the mortgage processing is executed based on the mortgage request sent by the second terminal equipment;
if the type of the last piece of record information is the mortgage removing record information, determining that the mortgage state information of the insuring voucher to be mortgaged is in a non-mortgage state; the mortgage removing record information is information stored in the block chain through the block chain nodes when the first terminal equipment of the first mortgage mechanism user and/or the second mortgage mechanism user determines that the insurable voucher in the mortgage state meets the preset mortgage removing condition.
As described above, in order to make the mortgage process traceable and provide data support for subsequent mortgage state information query operations, each mortgage mechanism stores the mortgage record information into the block chain through the block chain link points after performing the mortgage processing based on the mortgage request; correspondingly, if the third terminal device determines to perform the mortgage processing based on the mortgage request according to the mortgage state information, as shown in fig. 5, after the step S108 of sending the mortgage state information to the third terminal device, the method further includes:
step S110, receiving mortgage record information to be saved sent by a third terminal device;
specifically, when the third terminal device determines to perform the mortgage processing based on the mortgage request according to the mortgage state information, the mortgage processing is performed according to the mortgage information included in the mortgage request, after the processing is completed, the information such as the voucher identification of the deposited voucher, the user information of the first mortgage mechanism user, the user information of the requester user, the mortgage amount and the repayment item is subjected to associated recording, the recorded information is used as the mortgage record information to be stored, and the mortgage record information to be stored is sent to the block link point; and the block chain node receives the mortgage record information to be stored, which is sent by the third terminal equipment.
Step S112, storing the mortgage record information to be stored into a block chain;
step S114, generating second verification information of the mortgage record information to be saved, and sending the second verification information to the third terminal device, so that the third terminal device can release the mortgage process for the insuring voucher based on the second verification information.
In order to avoid that a subsequent user pretends to be a first mortgage mechanism sends a mortgage removing request to the block link point, in one or more embodiments of the present specification, after the block link point stores the mortgage record information to be stored into the block chain, second verification information of the mortgage record information to be stored is generated, and the second verification information is sent to the third terminal device, so that the third terminal device removes the mortgage from the insurable voucher based on the second verification information. The generating of the second verification information of the mortgage record information to be saved includes: calculating a hash value of the mortgage record information to be saved according to a second preset algorithm, and taking the calculated hash value as second verification information of the mortgage record information to be saved; the second preset algorithm can be set in practical application according to needs, and the second preset algorithm can be the same as or different from the first preset algorithm.
Further, as shown in fig. 6, after the step S114 sends the second verification information to the third terminal device, the method further includes:
step S116, receiving a mortgage removing request sent by a third terminal device, wherein the mortgage removing request comprises a certificate identifier of an insuring certificate to be mortgage removed and second verification information;
specifically, when the third terminal device determines that the guarantee voucher in the mortgage state meets the preset mortgage removing condition, a mortgage removing request is sent to the block link point according to the corresponding voucher identification and the second verification information; and the block chain node receives a mortgage removing request sent by the third terminal equipment. The mortgage releasing condition can be set in practical application according to needs, such as the request user can return all the mortgaged funds. The mortgage cancellation request may also include institution information for the first insurable institution, user information for the requesting user, and the like.
Step S118, according to the sequence of the time for storing each piece of information into the block chain, and according to the certificate identification of the insurable certificate to be decommissioned, inquiring the corresponding last piece of mortgage record information from the block chain;
since the insurance certificate is not mortared again when being in the mortgage state, the corresponding last mortgage record information inquired from the block chain according to the certificate mark is the mortgage record information for calculating the second verification information, and the second verification information can be verified according to the inquired last mortgage record information.
Step S120, verifying the second verification information according to the last piece of queried mortgage record information;
specifically, the hash value of the inquired last piece of mortgage record information is calculated according to a second preset algorithm, whether the calculated hash value is matched with second verification information or not is determined, and if yes, the verification is determined to be passed; if not, determining that the verification is not passed.
Step S122, if the verification is passed, generating mortgage-removing record information according to the certificate identification of the insurance application certificate to be mortgage-removed, and storing the mortgage-removing record information into a block chain;
specifically, if the verification is passed, the certificate identification of the application certificate to be mortgage-released, the user information of the first application mechanism user, the user information of the requester user and the like are recorded in an associated manner, the recorded information is used as mortgage-releasing record information, and the mortgage-releasing record information is stored in the block chain.
Step S124, sending the successful mortgage removing result to the third terminal device.
Therefore, when the block link point receives the mortgage request sent by the third terminal device, the second verification information in the mortgage request is verified, the first mortgage mechanism user is guaranteed to have the authority of executing the mortgage removing operation, and the risk that the first mortgage mechanism is lost due to the fact that other people pretend to be the first mortgage mechanism user is effectively avoided.
In one or more embodiments of the present specification, by saving the application record information and the like in the blockchain, when receiving a status query request sent by the third terminal device of the first mortgage institution user, the blockchain node can query the mortgage status information of the application credential to be mortgaged based on the information saved in the blockchain, so that the third terminal device determines whether to perform the mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
Based on the same technical concept, fig. 7 is another block chain based transaction processing method provided in one or more embodiments of the present specification, and the method in fig. 7 can be executed by a third terminal device of a user of the first mortgage institution in fig. 1, as shown in fig. 7, and includes the following steps:
step S202, receiving a mortgage request sent by a second terminal device of a requester user, wherein the mortgage request comprises a certificate identifier of an insurable certificate to be mortgaged;
specifically, after the mortgage requesting party operates the second terminal device to send the mortgage request to the first terminal device of the user of the mortgage mechanism and receives the mortgage voucher sent by the first terminal device, when the requesting party user wants to mortgage based on the mortgage voucher, the second terminal device can be operated, so that the second terminal device sends the mortgage request to the third terminal device of the user of the first mortgage mechanism according to the mortgage voucher to be mortgaged and the mortgage information submitted by the requesting party user; and the third terminal equipment of the first mortgage mechanism user receives the mortgage request sent by the second terminal equipment. The mortgage information includes user information of the requesting user, the mortgage amount and the like.
Step S204, according to the certificate mark, sending a state inquiry request to the block chain node, so that the block chain node inquires the mortgage state information of the insurable certificate from the block chain according to the certificate mark;
step S206, receiving the mortgage state information sent by the block chain node;
step S208, according to the mortgage state information, whether the mortgage processing is carried out based on the mortgage request is determined.
In one or more embodiments of the present disclosure, when receiving a mortgage request sent by a second terminal device of a requester, a third terminal device of a first mortgage organization user sends a status query request to a block link point to query the mortgage status information of an insurance voucher to be mortgaged, so as to effectively avoid a phenomenon that one insurance voucher performs multiple mortgages, thereby effectively maintaining balance of a fund lever, avoiding unnecessary asset disputes, and facilitating smooth development of an operation mode of mortgage insurance application.
Considering that the insurance certificate of the requesting user is lost or stolen, the embezzler uses the insurance certificate of the requesting user to carry out mortgage operation, which undoubtedly causes economic loss to the requesting user. Based on this, in order to maintain the benefit of the requester user and ensure that the mortgage is true and effective, in one or more embodiments of the present specification, the mortgage request and the status query request further include: the first verification information is used for inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification when the block chain link point passes the verification of the first verification information; the first verification information is information sent to the second terminal device by the first terminal device through the block chain node after the first terminal device of the user of the insurance application mechanism stores the insurance application record information to the block chain through the block chain node based on an insurance application request sent by the second terminal device.
Specifically, after a mortgage requester operates a second terminal device to send a guarantee request to a first terminal device of a user of a guarantee mechanism, the first terminal device generates guarantee record information to be saved according to a generated guarantee voucher and sends the guarantee record information to be saved to a block link point; the block chain link stores the insurance application record information sent by the first terminal equipment into the block chain, generates first verification information of the insurance application record information, and sends the first verification information to the first terminal equipment, so that the first terminal equipment sends the first verification information to the second terminal equipment; when the second terminal equipment receives the first verification information sent by the first terminal equipment, correspondingly storing the first verification information and the insurance certificate, responding to the mortgage operation of a requester user by the second terminal equipment, acquiring the insurance certificate to be mortgaged and the first verification information stored in association with the insurance certificate to be mortgaged, and sending a mortgage request to the third terminal equipment of the first insurance agency user according to the insurance certificate to be mortgaged and the first verification information; and the third terminal equipment acquires the certificate identification from the insurable certificate included in the mortgage request and sends a state query request to the block chain node according to the acquired certificate identification and the first verification information included in the mortgage request. When the block link point receives a state query request sent by a third terminal device, acquiring corresponding insurance application record information from the block link according to a certificate identifier included in the state query request, and verifying first verification information according to the insurance application record information; and when the first verification information passes verification, inquiring the mortgage state information of the corresponding insurance certificate from the block chain according to the insurance application identifier.
In order to make the mortgage process traceable and provide data support for subsequent mortgage state information query operation, in one or more embodiments of the present specification, as shown in fig. 8, if it is determined in step S208 that the mortgage process is performed based on the mortgage request, the mortgage process is performed according to the mortgage information included in the mortgage request, and after the process is completed, the following operations are performed:
step S210, generating mortgage record information to be stored, and sending the mortgage record information to be stored to the block chain node so that the block chain node stores the mortgage record information into the block chain;
specifically, the third terminal device performs mortgage processing according to mortgage information included in the mortgage request, and after the mortgage processing is completed, performs associated recording on information such as a voucher identifier of the credited voucher, user information of a user of the first mortgage mechanism, user information of a user of the requester, mortgage amount, repayment items and the like, and sends the mortgage record information to be stored to the block chain link point by taking the recorded information as the mortgage record information to be stored, so that the block chain link point stores the mortgage record information into the block chain.
Step S212, receiving second verification information sent by the blockchain node; the second verification information is information generated by the block link points based on the mortgage record information;
specifically, in order to avoid that a subsequent user pretends to be a first mortgage mechanism sends a mortgage releasing request to the block link point, in one or more embodiments of the present specification, when the block link point receives the mortgage record information sent by the third terminal device, the mortgage record information is stored in the block chain, the second verification information of the mortgage record information is generated, and the second verification information is sent to the third terminal device, so that the third terminal device sends the mortgage releasing request to the block link point based on the second verification information, so as to release the mortgage state corresponding to the insurance certificate.
Step S214, the second verification information and the certificate identification are stored in an associated mode.
Further, when the third terminal device determines not to perform the mortgage processing according to the mortgage state information, the third terminal device sends a mortgage failure result to the second terminal device, so that the second terminal device displays the mortgage failure information.
Furthermore, when the third terminal device receives the second verification information sent by the blockchain node, it is determined that the mortgage processing is successful, and a mortgage success result is sent to the second terminal device, so that the second terminal device displays the mortgage success information.
The mortgage record information is stored in the block chain, traceability of the mortgage process is guaranteed, and the third terminal device can perform the mortgage removing operation based on the second verification information by receiving the second verification information sent by the block chain node. Specifically, as shown in fig. 9, after step S214, the method further includes:
step S216, if the insurance application voucher meets the preset mortgage removing condition, second verification information stored in a related mode is obtained according to the voucher identification of the insurance application voucher;
the mortgage releasing condition can be set in practical application according to needs, such as the requesting user returns all the mortgaged funds.
Step S218, sending a mortgage removing request to the block chain link point according to the certificate identifier and the acquired second verification information, so that the block chain link point stores the mortgage removing record information generated based on the certificate identifier into the block chain when the second verification information passes verification;
specifically, the third terminal device sends a mortgage removing request to the block link point according to the certificate identifier and the acquired second verification information; when the block chain node receives the mortgage removing request, according to the sequence of time of storing all information in the block chain, inquiring corresponding last mortgage record information from the block chain according to the certificate identification included in the mortgage removing request, verifying second verification information according to the inquired last mortgage record information, and when the verification is passed, performing associated recording on the certificate identification of the insurable certificate to be mortgage removed, the user information of the user of the first insurable mechanism, the user information of the user of the requesting party and the like, storing the recorded information as the mortgage removing record information into the block chain, and sending a mortgage removing success result to a third terminal device.
Step S220, receiving the successful mortgage removing result sent by the blockchain node.
It should be noted that the third terminal device may execute step S216 when receiving the release request sent by the second terminal device of the requesting user, and may also execute step S216 by detecting itself according to a preset detection frequency.
In order to make the requesting user know that the mortgage releasing is successful, the method further includes, after step S220: and sending the successful mortgage removing result to the second terminal equipment.
In one or more embodiments of the present disclosure, in receiving a mortgage request sent by a second terminal device of a requester, a third terminal device of a first mortgage organization user sends a status query request to a block link point to query the mortgage status information of an insurance voucher to be mortgaged, so as to effectively avoid a phenomenon that one insurance voucher performs multiple mortgages, thereby effectively maintaining balance of a fund lever, avoiding unnecessary asset disputes, and facilitating continuous development of a mortgage insurance application operation mode.
In a specific embodiment, a transaction processing procedure of "application-mortgage-release" is taken as an example, and the method relates to a first terminal device of an application mechanism user, a second terminal device of a requester user, a third terminal device of the first mortgage mechanism user and a block link point, and comprises the following steps:
step S302, the second terminal device responds to the application operation of the requester user, acquires an application request and sends the application request to the first terminal device of the application mechanism user according to the application information;
step S303, the first terminal device carries out insurance application processing according to insurance application information included in the insurance application request and generates an insurance application voucher;
step S304, the first terminal equipment generates insurance application record information to be stored according to the insurance application voucher and sends the insurance application record information to the block chain link points;
step S306, the block chain node stores the application record information into the block chain, generates first verification information of the application record information and sends the first verification information to the first terminal equipment;
step S308, the first terminal equipment sends the first verification information and the insurance application certificate to the second terminal;
it should be noted that the first terminal device may also send the insurance application certificate to the second terminal device after the insurance application certificate is generated.
Step S310, the second terminal device stores the first verification information and the insurance certificate in a correlation mode;
step S312, the second terminal device responds to the mortgage operation of the user of the requester, acquires the insurance application certificate to be mortgaged and the first verification information stored in a correlated manner, and sends a mortgage request to the third terminal device of the user of the first insurance application mechanism according to the certificate identification of the insurance application certificate to be mortgaged and the first verification information;
step S314, the third terminal device sends a state inquiry request to the block chain node according to the certificate identification and the first verification information included in the mortgage request;
step S316, the block link point inquires corresponding insurance application record information from the block chain according to the certificate identification included in the state inquiry request, verifies the first verification information according to the insurance application record information, if the verification is passed, step S318 is executed, if the verification is not passed, an inquiry failure result is sent to the third terminal equipment, and step S320 is executed;
step S318, the block chain link points inquire the mortgage state information of the corresponding insurance certificate from the block chain according to the certificate identification, send the mortgage state information to the third terminal equipment, and execute step S320;
step S320, the third terminal device determines the type of the received information, and if the type of the received information is a query failure result, sends a mortgage failure result to the second terminal device, and executes step S330; if the information is the mortgage status information, go to step S322;
step S322; the third terminal device determines whether to perform the mortgage processing according to the mortgage state information, if yes, step S324 is executed; otherwise, sending a mortgage failure result to the second terminal device, and executing the step S330;
step S324, the third terminal device executes the mortgage processing according to the mortgage request, generates the mortgage record information to be saved according to the certificate identification of the insurable certificate after the mortgage processing is finished, and sends the mortgage record information to be saved to the block chain link points;
step S326, the block chain node stores the mortgage record information into the block chain, generates second verification information of the mortgage record information, and sends the second verification information to the third terminal device;
step S328, the third terminal device stores the second verification information in association with the certificate identifier of the insurable certificate, and sends a successful mortgage result to the second terminal device;
step S330, the second terminal device determines the type of the received mortgage result, and if the type of the received mortgage result is a mortgage failure result, the mortgage failure information is displayed; if the result is a successful mortgage result, displaying the successful mortgage information;
step S332, when the third terminal device determines that the insurable certificate meets the preset mortgage removing condition, second verification information stored in a related mode is obtained according to the certificate identification of the insurable certificate, and a mortgage removing request is sent to the block link points according to the certificate identification and the second verification information;
step S334, the block chain node inquires the corresponding last piece of mortgage record information from the block chain according to the sequence of the time for storing each piece of information in the block chain and the voucher identification included in the mortgage removing request;
step S336, the block link point verifies the second verification information according to the inquired last piece of mortgage record information, if the verification fails, a mortgage removing failure result is sent to the third terminal equipment, and step S340 is executed; if the verification is successful, go to step S338;
step S338, the block link point generates the mortgage removing record information according to the certificate identification, stores the mortgage removing record information into the block chain, sends a mortgage removing success result to the third terminal device, and executes step S340;
step S340, the third terminal equipment receives the mortgage removing result sent by the block chain node and sends the mortgage removing result to the second terminal equipment;
in step S342, the second terminal device displays the successful mortgage information or the failed mortgage information according to the mortgage releasing result.
For specific implementation methods of the steps S302 to S342, reference may be made to the foregoing related descriptions, and repeated descriptions are omitted here.
In one or more embodiments of the present specification, the application mechanism stores application record information into the block chain through the block chain link point, and each mortgage mechanism stores mortgage record information into the block chain through the block chain link point, so that when a third terminal device of a first mortgage mechanism user receives a mortgage request sent by a second terminal device of a requester user, a state query request can be sent to the block chain link point according to a credential identifier of an application credential to be mortgaged, which is included in the mortgage request, so that the block chain link point queries mortgage state information of the application credential to be mortgaged, based on the record information stored in the block chain; so that the third terminal device determines whether to perform the mortgage process based on the mortgage request according to the mortgage state information. Therefore, before the third terminal equipment carries out the mortgage treatment, the mortgage state information of the insurance application certificate to be mortgaged is inquired, the phenomenon that one insurance application certificate carries out mortgage for multiple times can be effectively avoided, the balance of the fund lever is maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurance application operation mode is facilitated.
On the basis of the same technical concept, corresponding to the transaction processing method based on the blockchain described in fig. 2 to 6, one or more embodiments of the present disclosure further provide a transaction processing apparatus based on the blockchain, which is applied to the blockchain node. Fig. 10 is a schematic block diagram of a blockchain-based transaction processing apparatus applied to a blockchain node according to one or more embodiments of the present disclosure, where the apparatus is configured to execute the blockchain-based transaction processing method described in fig. 2 to 6, and as shown in fig. 10, the apparatus includes:
the system comprises a first receiving module 401, a second receiving module and a third receiving module, wherein the first receiving module receives insurance application record information to be stored, which is sent by first terminal equipment of an insurance application mechanism user, and stores the insurance application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
a second receiving module 402, configured to receive a status query request sent by a third terminal device of a first mortgage mechanism user, where the status query request is sent by the third terminal device based on a mortgage request sent by the second terminal device, and the status query request includes a credential identifier of the insurance application credential to be mortgaged;
the query module 403 is configured to query the mortgage state information of the insurance certificate from the block chain according to the certificate identifier;
a sending module 404, configured to send the mortgage state information to the third terminal device, so that the third terminal device determines whether to perform mortgage processing based on the mortgage request according to the mortgage state information.
The apparatus in one or more embodiments of the present specification stores the application record information and the like in the blockchain, so that when receiving a status query request sent by a third terminal device of a first mortgage organization user, the apparatus can query mortgage status information of an application certificate to be mortgaged based on the information stored in the blockchain, so that the third terminal device can determine whether to perform mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
Optionally, the apparatus further comprises: a first generation module;
the first generation module generates first verification information of the insurance application record information, and sends the first verification information to the first terminal device, so that the first terminal device sends the first verification information to the second terminal device, and the second terminal device sends a mortgage request to the third terminal device based on the first verification information and the insurance application certificate.
Optionally, the status query request further includes: the first authentication information;
the query module 403, according to the credential identifier, queries the insurance application record information from the block chain; and the number of the first and second groups,
verifying the first verification information according to the inquired insurable record information;
and if the verification is passed, inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification.
Optionally, the querying module 403 determines whether the queried insurance application record information is the last record information corresponding to the credential identifier according to the sequence of the time for storing each piece of information in the block chain;
if so, determining that the mortgage state information of the insurable voucher is in a non-mortgage state;
if not, inquiring corresponding last record information from the block chain according to the certificate identification, and determining the mortgage state information of the insurance certificate according to the last record information.
Optionally, the query module 403 determines the type of the last piece of recorded information; and the number of the first and second groups,
if the type of the last piece of record information is mortgage record information, determining that the mortgage state information of the insurance application certificate to be mortgaged is in a mortgage state; the mortgage record information is information which is stored in the block chain through the block chain link points after the mortgage processing is executed based on the mortgage request sent by the second terminal equipment, wherein the mortgage record information is information of the first mortgage mechanism user and/or the first terminal equipment of the second mortgage mechanism user;
if the type of the last piece of record information is the mortgage removing record information, determining that the mortgage state information of the insuring voucher to be mortgaged is in a non-mortgage state; and the mortgage removing record information is information stored in the block chain through the block chain nodes when the first terminal equipment of the first mortgage mechanism user and/or the second mortgage mechanism user determines that the insurable certificate in the mortgage state meets the preset mortgage removing condition.
Optionally, the apparatus further comprises: the device comprises a storage module and a generation module;
if the third terminal device determines to perform the mortgage processing based on the mortgage request according to the mortgage state information, the first receiving module 401 receives the mortgage record information to be saved, which is sent by the third terminal device, after the sending module 404 sends the mortgage state information to the third terminal device;
the storage module is used for storing the mortgage record information to be stored into the block chain;
the generating module generates second verification information of the mortgage record information to be stored, and sends the second verification information to the third terminal device, so that the third terminal device can perform mortgage removing processing on the insurable voucher based on the second verification information.
Optionally, the apparatus further comprises: a verification module;
the receiving module 401 receives a mortgage removing request sent by the third terminal device after the generating module sends the second verification information to the third terminal device, wherein the mortgage removing request includes a certificate identifier of an insuring certificate to be mortgage removed and the second verification information;
the verification module is used for inquiring the corresponding last mortgage record information from the block chain according to the sequence of the time for storing each information into the block chain and the certificate identification of the insurable certificate to be mortgage removed; and the number of the first and second groups,
verifying the second verification information according to the inquired last piece of mortgage record information;
if the verification is passed, generating mortgage-removing record information according to the certificate identification of the insurable certificate to be mortgage-removed, and storing the mortgage-removing record information into the block chain;
and sending a successful mortgage removing result to the third terminal equipment.
In one or more embodiments of the present disclosure, the block chain-based transaction processing apparatus stores the application record information and the like in the block chain, so that when receiving a status query request sent by a third terminal device of a first mortgage institution user, the apparatus can query mortgage status information of an application credential to be mortgaged based on the information stored in the block chain, so that the third terminal device determines whether to perform mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
It should be noted that, the embodiment of the transaction processing apparatus based on the blockchain applied to the blockchain node in this specification and the embodiment of the transaction processing method based on the blockchain applied to the blockchain node in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to the implementation of the corresponding transaction processing method based on the blockchain applied to the blockchain node, and repeated parts are not described again.
On the basis of the same technical concept, corresponding to the transaction processing method based on the blockchain described in fig. 7 to 9, one or more embodiments of the present specification further provide a transaction processing apparatus based on the blockchain, which is applied to a third terminal device of a user of a first insurance agency. Fig. 11 is a schematic block composition diagram of a blockchain-based transaction processing apparatus applied to a third terminal device according to one or more embodiments of the present disclosure, where the apparatus is configured to execute the blockchain-based transaction processing method described in fig. 7 to 9, and as shown in fig. 11, the apparatus includes:
a receiving module 501, configured to receive a mortgage request sent by a second terminal device of a requester user, where the mortgage request includes a credential identifier of an application credential to be mortgaged;
a sending module 502, configured to send a status query request to a block link point according to the credential identifier, so that the block link point queries, according to the credential identifier, mortgage status information of the insurance credential from a block chain;
the receiving module 503 further receives the mortgage state information sent by the blockchain node;
a determining module 504, which determines whether to perform mortgage processing based on the mortgage request according to the mortgage state information.
The device in one or more embodiments of the present description sends a status query request to the block link point when receiving a mortgage request sent by the second terminal device of the requester user, so as to query the mortgage status information of the insurance certificate to be mortgaged, and can effectively avoid the phenomenon that one insurance certificate carries out multiple mortgages, thereby effectively maintaining the balance of the fund lever, avoiding unnecessary asset disputes, and facilitating the smooth development of the mortgage insurance application operation mode.
Optionally, the mortgage request and the status query request further include: first verification information, so that when the block chain node passes the verification of the first verification information, the block chain node inquires mortgage state information of the insurance certificate from the block chain according to the certificate identification; the first verification information is information sent by a first terminal device of a user of an insurance application mechanism to a second terminal device through a block chain node after insurance application record information is stored to the block chain through the block chain node based on an insurance application request sent by the second terminal device.
Optionally, if the determining module 504 determines to perform the mortgage processing based on the mortgage request, after the mortgage processing, the sending module 502 sends the mortgage record information to be saved to the block chain node, so that the block chain node saves the mortgage record information into the block chain;
the receiving module 501 receives second verification information sent by the blockchain node; wherein the second verification information is information generated by the block link point based on the mortgage record information; and the number of the first and second groups,
and storing the second verification information and the certificate identification in an associated manner.
Optionally, the apparatus further comprises: removing the mortgage module;
the contact mortgage module obtains the second verification information stored in a related manner according to the certificate identifier of the insurance application certificate if the insurance application certificate meets the preset mortgage removing condition after the receiving module 501 stores the second verification information and the certificate identifier in a related manner; and the number of the first and second groups,
according to the certificate identification and the acquired second verification information, a mortgage removing request is sent to the block chain link node, so that when the block chain link node passes the verification of the second verification information, mortgage removing record information generated based on the certificate identification is stored in the block chain;
and receiving a successful mortgage removing result sent by the block chain node.
The block chain-based transaction processing device provided in one or more embodiments of the present specification, when receiving a mortgage request sent by a second terminal device of a requester, sends a status query request to a block chain link to query the mortgage status information of an insurance voucher to be mortgaged, so as to effectively avoid the phenomenon that one insurance voucher performs multiple mortgages, thereby effectively maintaining balance of fund levers, avoiding unnecessary asset disputes, and facilitating smooth development of an operation mode of mortgage insurance underwriting.
It should be noted that, the embodiment of the transaction processing apparatus based on the blockchain applied to the blockchain node in this specification and the embodiment of the transaction processing method based on the blockchain applied to the blockchain node in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to the implementation of the corresponding transaction processing method based on the blockchain applied to the blockchain node, and repeated parts are not described again.
Further, corresponding to the above-described transaction processing method based on a blockchain, based on the same technical concept, one or more embodiments of the present specification further provide a transaction processing system based on a blockchain. Fig. 12 is a schematic block chain-based transaction processing system according to one or more embodiments of the present disclosure. As shown in fig. 12, the system includes: a first terminal device 601 of an insurable agency user, a second terminal device 602 of a requesting user, a third terminal device 603 of a first mortgage agency user, and a block link point 604.
The first terminal device 601 receives an application request sent by the second terminal device 602, where the application request includes application information; generating an insurance application certificate according to the insurance application information, and sending the insurance application certificate to the second terminal device 602; generating insurance application record information according to the certificate identification in the insurance application certificate, and sending the insurance application record information to the block chain node 604;
the second terminal device 602, responding to an insurance application operation of the requester user, sending an insurance application request to the first terminal device 601, and receiving the insurance application credential sent by the first terminal device 601; and, in response to the mortgage operation of the requester user, sending a mortgage request to the third terminal device 603 according to the insurable credentials to be mortgage;
the third terminal device 603 receives the mortgage request sent by the second terminal device 602, and sends a status query request to the block chain node 604 according to the certificate identifier of the warranty to be mortgaged included in the mortgage request; receiving the mortgage state information sent by the blockchain node 604, and determining whether to perform mortgage processing based on the mortgage request according to the mortgage state information;
the block chain node 604 receives the application record information sent by the first terminal device 601, and stores the application record information into a block chain; and receiving a status query request sent by the third terminal device 603, querying mortgage status information of the insurance certificate to be mortgaged from a block chain according to the certificate identifier of the insurance certificate to be mortgaged, which is included in the status query request, and sending the mortgage status information to the third terminal device 603.
In the transaction processing system based on the block chain provided in one or more embodiments of the present specification, the mortgage mechanism stores the mortgage record information into the block chain through the block chain link, and each mortgage mechanism stores the mortgage record information into the block chain through the block chain link, so that when the third terminal device of the first mortgage mechanism user receives the mortgage request sent by the second terminal device of the requester user, the third terminal device can send a status query request to the block chain link according to the credential identifier of the mortgage credential to be mortgaged, which is included in the mortgage request, so that the block chain link point queries the mortgage status information of the mortgage credential to be mortgaged based on the record information stored in the block chain; so that the third terminal device determines whether to perform the mortgage process based on the mortgage request according to the mortgage state information. Therefore, before the third terminal equipment carries out the mortgage treatment, the mortgage state information of the insurance application certificate to be mortgaged is inquired, the phenomenon that one insurance application certificate carries out mortgage for multiple times can be effectively avoided, the balance of the fund lever is maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurance application operation mode is facilitated.
It should be noted that, the embodiment of the transaction processing system based on the blockchain in this specification and the embodiment of the transaction processing method based on the blockchain in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the aforementioned corresponding transaction processing method based on the blockchain, and repeated details are not repeated.
Further, corresponding to the above-described transaction processing method based on a blockchain, based on the same technical concept, one or more embodiments of the present specification further provide a transaction processing device based on a blockchain, where the device is configured to execute the above-described transaction processing method based on a blockchain, and fig. 13 is a schematic structural diagram of a transaction processing device based on a blockchain provided in one or more embodiments of the present specification.
As shown in fig. 13, a transaction processing device based on a blockchain may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, where one or more stored applications or data may be stored in the memory 702. Memory 702 may be, among other things, transient storage or persistent storage. The application program stored in memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a blockchain based transaction processing device. Still further, the processor 701 may be configured to communicate with the memory 702 to execute a series of computer-executable instructions in the memory 702 on a blockchain based transaction processing device. The blockchain-based transaction processing apparatus may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input-output interfaces 705, one or more keyboards 706, and the like.
In a particular embodiment, a blockchain based transaction processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the blockchain based transaction processing apparatus, and execution of the one or more programs by the one or more processors includes computer executable instructions for:
receiving application record information to be stored sent by a first terminal device of a user of an application mechanism, and storing the application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
receiving a state query request sent by a third terminal device of a first mortgage mechanism user, wherein the state query request is sent by the third terminal device based on a mortgage request sent by the second terminal device and comprises a certificate identifier of the insurable certificate to be mortgage;
inquiring mortgage state information of the insurance certificate from the block chain according to the certificate identification;
and sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
The device in one or more embodiments of the present specification stores the application record information and the like in the blockchain, so that when receiving a status query request sent by a third terminal device of a first mortgage organization user, the device can query mortgage status information of an application certificate to be mortgaged based on the information stored in the blockchain, so that the third terminal device can determine whether to perform mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
Optionally, the computer executable instructions, when executed, further comprise, after saving the application record information into a blockchain:
and generating first verification information of the insurance application record information, and sending the first verification information to the first terminal equipment so that the first terminal equipment sends the first verification information to the second terminal equipment, and the second terminal equipment sends a mortgage request to the third terminal equipment based on the first verification information and the insurance application certificate.
Optionally, the status query request further comprises the first verification information when the computer-executable instructions are executed;
the querying the mortgage state information of the insuring voucher from the block chain according to the voucher identification comprises the following steps:
inquiring the insurance application record information from the block chain according to the certificate identification;
verifying the first verification information according to the inquired insurable record information;
and if the verification is passed, inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification.
Optionally, when executed, the computer-executable instructions query the collateral state information of the insurance certificate from the block chain according to the certificate identifier, including:
determining whether the inquired insurable record information is the last record information corresponding to the certificate identification according to the sequence of the time for storing each information in the block chain;
if so, determining that the mortgage state information of the insurable voucher is in a non-mortgage state;
if not, inquiring corresponding last record information from the block chain according to the certificate identification, and determining the mortgage state information of the insurance certificate according to the last record information.
Optionally, when executed, the determining the mortgage state information of the insurance certificate according to the last piece of record information includes:
determining the type of the last piece of recording information;
if the type of the last piece of record information is mortgage record information, determining that the mortgage state information of the insurance application certificate to be mortgaged is in a mortgage state; the mortgage record information is information which is stored in the block chain through the block chain link points after the mortgage processing is executed based on the mortgage request sent by the second terminal equipment, wherein the mortgage record information is information of the first mortgage mechanism user and/or the first terminal equipment of the second mortgage mechanism user;
if the type of the last piece of record information is the mortgage removing record information, determining that the mortgage state information of the insuring voucher to be mortgaged is in a non-mortgage state; and the mortgage removing record information is information stored in the block chain through the block chain nodes when the first terminal equipment of the first mortgage mechanism user and/or the second mortgage mechanism user determines that the insurable certificate in the mortgage state meets the preset mortgage removing condition.
Optionally, when the computer-executable instruction is executed, if the third terminal device determines to perform the mortgage processing based on the mortgage request according to the mortgage state information, after sending the mortgage state information to the third terminal device, the method further includes:
receiving mortgage record information to be stored, which is sent by the third terminal equipment;
storing the mortgage record information to be stored into the block chain; and the number of the first and second groups,
and generating second verification information of the mortgage record information to be stored, and sending the second verification information to the third terminal equipment so that the third terminal equipment can perform mortgage removing processing on the insurable voucher based on the second verification information.
Optionally, the computer executable instructions, when executed, further include, after sending the second verification information to the third terminal device:
receiving a mortgage removing request sent by the third terminal equipment, wherein the mortgage removing request comprises a certificate identifier of an insurance application certificate to be mortgage removed and the second verification information;
according to the sequence of the time for storing each piece of information into the block chain, inquiring the corresponding last piece of mortgage record information from the block chain according to the certificate identification of the insurable certificate to be mortgage removed;
verifying the second verification information according to the inquired last piece of mortgage record information;
if the verification is passed, generating mortgage-removing record information according to the certificate identification of the insurable certificate to be mortgage-removed, and storing the mortgage-removing record information into the block chain;
and sending a successful mortgage removing result to the third terminal equipment.
In one or more embodiments of the present disclosure, the transaction processing device based on the blockchain stores the application record information and the like in the blockchain, so that when receiving a status query request sent by a third terminal device of a first mortgage institution user, the transaction processing device can query mortgage status information of an application credential to be mortgaged based on the information stored in the blockchain, so that the third terminal device determines whether to perform mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
In another particular embodiment, a blockchain based transaction processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the blockchain based transaction processing apparatus, and execution of the one or more programs by the one or more processors includes computer executable instructions for:
receiving a mortgage request sent by second terminal equipment of a requester user, wherein the mortgage request comprises a certificate identifier of an insuring certificate to be mortgage;
sending a state query request to a block chain node according to the certificate identifier so that the block chain node queries the mortgage state information of the insurance certificate from a block chain according to the certificate identifier;
receiving the mortgage state information sent by the block chain node;
and determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
In one or more embodiments of the present disclosure, when receiving a mortgage request sent by a second terminal device of a requester, a device sends a status query request to a block link point to query the mortgage status information of a guarantee voucher to be mortgaged, so as to effectively avoid the phenomenon that one guarantee voucher performs multiple mortgages, thereby effectively maintaining balance of fund levers, avoiding unnecessary asset disputes, and facilitating smooth development of a mortgage guarantee operation mode.
Optionally, the computer-executable instructions, when executed, further comprise: first verification information, so that when the block chain node passes the verification of the first verification information, the block chain node inquires mortgage state information of the insurance certificate from the block chain according to the certificate identification; the first verification information is information sent by a first terminal device of a user of an insurance application mechanism to a second terminal device through a block chain node after insurance application record information is stored to the block chain through the block chain node based on an insurance application request sent by the second terminal device.
Optionally, when executed, the computer-executable instructions, if it is determined that the mortgage processing is performed based on the mortgage request, further include, after the mortgage processing:
sending the mortgage record information to be stored to the block chain nodes so that the block chain nodes store the mortgage record information into the block chain; and the number of the first and second groups,
receiving second verification information sent by the blockchain node; wherein the second verification information is information generated by the block link point based on the mortgage record information;
and storing the second verification information and the certificate identification in an associated manner.
Optionally, the computer-executable instructions, when executed, further comprise, after the storing of the second authentication information and the credential identification association:
if the insurance application voucher meets the preset mortgage removing condition, acquiring the second verification information stored in a related manner according to the voucher identification of the insurance application voucher;
according to the certificate identification and the acquired second verification information, a mortgage removing request is sent to the block chain link node, so that when the block chain link node passes the verification of the second verification information, mortgage removing record information generated based on the certificate identification is stored in the block chain;
and receiving a successful mortgage removing result sent by the block chain node.
The transaction processing device based on the block chain provided in one or more embodiments of the present specification, when receiving a mortgage request sent by a second terminal device of a requester user, sends a status query request to a block chain link point to query the mortgage status information of an insurance voucher to be mortgaged, so as to effectively avoid the phenomenon that one insurance voucher carries out multiple mortgages, thereby effectively maintaining balance of fund levers, avoiding unnecessary asset disputes, and facilitating smooth development of an operation mode of mortgage insurance application.
It should be noted that, the embodiment of the transaction processing device based on the blockchain in this specification and the embodiment of the transaction processing method based on the blockchain in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the aforementioned corresponding transaction processing method based on the blockchain, and repeated details are not repeated.
Further, corresponding to the above-described transaction processing method based on blockchain, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instructions, where in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and the storage medium stores computer-executable instructions that, when executed by the processor, implement the following processes:
receiving application record information to be stored sent by a first terminal device of a user of an application mechanism, and storing the application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
receiving a state query request sent by a third terminal device of a first mortgage mechanism user, wherein the state query request is sent by the third terminal device based on a mortgage request sent by the second terminal device and comprises a certificate identifier of the insurable certificate to be mortgage;
inquiring mortgage state information of the insurance certificate from the block chain according to the certificate identification;
and sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
The storage medium in one or more embodiments of the present specification, when executed by the processor, stores the application record information and the like in the blockchain, so that when receiving a status query request sent by a third terminal device of a first mortgage institution user, the storage medium can query mortgage status information of an application credential to be mortgaged based on the information stored in the blockchain, so that the third terminal device determines whether to perform mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, after saving the application record information into the blockchain:
and generating first verification information of the insurance application record information, and sending the first verification information to the first terminal equipment so that the first terminal equipment sends the first verification information to the second terminal equipment, and the second terminal equipment sends a mortgage request to the third terminal equipment based on the first verification information and the insurance application certificate.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise the first authentication information;
the querying the mortgage state information of the insuring voucher from the block chain according to the voucher identification comprises the following steps:
inquiring the insurance application record information from the block chain according to the certificate identification;
verifying the first verification information according to the inquired insurable record information;
and if the verification is passed, inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, query the block chain for mortgage state information of the insurance certificate according to the certificate identifier, including:
determining whether the inquired insurable record information is the last record information corresponding to the certificate identification according to the sequence of the time for storing each information in the block chain;
if so, determining that the mortgage state information of the insurable voucher is in a non-mortgage state;
if not, inquiring corresponding last record information from the block chain according to the certificate identification, and determining the mortgage state information of the insurance certificate according to the last record information.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, determine the mortgage status information of the insurance certificate according to the last piece of recorded information, including:
determining the type of the last piece of recording information;
if the type of the last piece of record information is mortgage record information, determining that the mortgage state information of the insurance application certificate to be mortgaged is in a mortgage state; the mortgage record information is information which is stored in the block chain through the block chain link points after the mortgage processing is executed based on the mortgage request sent by the second terminal equipment, wherein the mortgage record information is information of the first mortgage mechanism user and/or the first terminal equipment of the second mortgage mechanism user;
if the type of the last piece of record information is the mortgage removing record information, determining that the mortgage state information of the insuring voucher to be mortgaged is in a non-mortgage state; and the mortgage removing record information is information stored in the block chain through the block chain nodes when the first terminal equipment of the first mortgage mechanism user and/or the second mortgage mechanism user determines that the insurable certificate in the mortgage state meets the preset mortgage removing condition.
Optionally, when executed by a processor, the computer-executable instructions stored in the storage medium, after sending the mortgage state information to the third terminal device, further include:
receiving mortgage record information to be stored, which is sent by the third terminal equipment;
storing the mortgage record information to be stored into the block chain; and the number of the first and second groups,
and generating second verification information of the mortgage record information to be stored, and sending the second verification information to the third terminal equipment so that the third terminal equipment can perform mortgage removing processing on the insurable voucher based on the second verification information.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, after the sending the second authentication information to the third terminal device:
receiving a mortgage removing request sent by the third terminal equipment, wherein the mortgage removing request comprises a certificate identifier of an insurance application certificate to be mortgage removed and the second verification information;
according to the sequence of the time for storing each piece of information into the block chain, inquiring the corresponding last piece of mortgage record information from the block chain according to the certificate identification of the insurable certificate to be mortgage removed;
verifying the second verification information according to the inquired last piece of mortgage record information;
if the verification is passed, generating mortgage-removing record information according to the certificate identification of the insurable certificate to be mortgage-removed, and storing the mortgage-removing record information into the block chain;
and sending a successful mortgage removing result to the third terminal equipment.
One or more embodiments of the present specification provide computer-executable instructions stored in a storage medium, which, when executed by a processor, can store the application record information and the like in a blockchain, and when receiving a status query request sent by a third terminal device of a first mortgage institution user, can query mortgage status information of an application certificate to be mortgaged based on the information stored in the blockchain, so that the third terminal device can determine whether to perform mortgage processing according to the mortgage status information. Therefore, before the third terminal equipment of the first mortgage organization user carries out mortgage processing based on the mortgage request, the mortgage state of the insurable voucher to be mortgaged can be effectively inquired, the phenomenon that one insurable voucher carries out mortgage for multiple times can be effectively avoided, the balance of a fund lever is effectively maintained, unnecessary asset disputes are avoided, and the continuous development of the mortgage insurable operation mode is facilitated.
In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and the storage medium stores computer-executable instructions that, when executed by the processor, implement the following process:
receiving a mortgage request sent by second terminal equipment of a requester user, wherein the mortgage request comprises a certificate identifier of an insuring certificate to be mortgage;
sending a state query request to a block chain node according to the certificate identifier so that the block chain node queries the mortgage state information of the insurance certificate from a block chain according to the certificate identifier;
receiving the mortgage state information sent by the block chain node;
and determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
When the storage medium in one or more embodiments of the present description is executed by the processor, when receiving a mortgage request sent by the second terminal device of a requester user, the storage medium sends a status query request to the block link node to query the mortgage status information of the insurance certificate to be mortgaged, so that a phenomenon that one insurance certificate performs multiple mortgages can be effectively avoided, thereby effectively maintaining the balance of the fund lever, avoiding unnecessary asset disputes, and facilitating the smooth development of the mortgage insurance application operation mode.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise: first verification information, so that when the block chain node passes the verification of the first verification information, the block chain node inquires mortgage state information of the insurance certificate from the block chain according to the certificate identification; the first verification information is information sent by a first terminal device of a user of an insurance application mechanism to a second terminal device through a block chain node after insurance application record information is stored to the block chain through the block chain node based on an insurance application request sent by the second terminal device.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, if it is determined that the mortgage processing is performed based on the mortgage request, further include, after the mortgage processing:
sending the mortgage record information to be stored to the block chain nodes so that the block chain nodes store the mortgage record information into the block chain; and the number of the first and second groups,
receiving second verification information sent by the blockchain node; wherein the second verification information is information generated by the block link point based on the mortgage record information;
and storing the second verification information and the certificate identification in an associated manner.
Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, after the storing of the second authentication information in association with the credential identifier:
if the insurance application voucher meets the preset mortgage removing condition, acquiring the second verification information stored in a related manner according to the voucher identification of the insurance application voucher;
according to the certificate identification and the acquired second verification information, a mortgage removing request is sent to the block chain link node, so that when the block chain link node passes the verification of the second verification information, mortgage removing record information generated based on the certificate identification is stored in the block chain;
and receiving a successful mortgage removing result sent by the block chain node.
When the computer executable instructions stored in the storage medium provided in one or more embodiments of the present specification are executed by the processor, and when a mortgage request sent by the second terminal device of the requester user is received, the computer executable instructions send a status query request to the block link points to query the mortgage status information of the insurance certificate to be mortgaged, so that a phenomenon that one insurance certificate performs multiple mortgages can be effectively avoided, thereby effectively maintaining balance of the fund lever, avoiding unnecessary asset disputes, and facilitating smooth development of the mortgage insurance application operation mode.
It should be noted that the embodiment of the storage medium in this specification and the embodiment of the transaction processing method based on the blockchain in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the aforementioned corresponding transaction processing method based on the blockchain, and repeated parts are not described again.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.
One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
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.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage 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, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims (19)

1. A transaction processing method based on a block chain is applied to a block chain node and comprises the following steps:
receiving application record information to be stored sent by a first terminal device of a user of an application mechanism, and storing the application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
generating first verification information of the application record information, and sending the first verification information to the second terminal equipment through the first terminal equipment;
receiving a state query request sent by a third terminal device of a first mortgage mechanism user, wherein the state query request is sent by the third terminal device based on a mortgage request sent by the second terminal device and comprises a certificate identifier of the insuring certificate to be mortgage and the first verification information;
if the first verification information passes verification based on the block chain, the mortgage state information of the insurance certificate is inquired from the block chain according to the certificate identification;
and sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
2. The method of claim 1, wherein the querying the blockchain for mortgage state information of the insurance credential according to the credential identifier if the first authentication information is authenticated based on the blockchain comprises:
inquiring the insurance application record information from the block chain according to the certificate identification;
verifying the first verification information according to the inquired insurable record information;
and if the verification is passed, inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification.
3. The method of claim 2, the querying, from a blockchain, for mortgage state information for the underwriting credential based on the credential identification, comprising:
determining whether the inquired insurable record information is the last record information corresponding to the certificate identification according to the sequence of the time for storing each information in the block chain;
if so, determining that the mortgage state information of the insurable voucher is in a non-mortgage state;
if not, inquiring corresponding last record information from the block chain according to the certificate identification, and determining the mortgage state information of the insurance certificate according to the last record information.
4. The method of claim 3, wherein determining the mortgage status information of the insurance certificate according to the last piece of record information comprises:
determining the type of the last piece of recording information;
if the type of the last piece of record information is mortgage record information, determining that the mortgage state information of the insurance application certificate to be mortgaged is in a mortgage state; the mortgage record information is information which is stored in the block chain through the block chain link points after the mortgage processing is executed based on the mortgage request sent by the second terminal equipment, wherein the mortgage record information is information of the first mortgage mechanism user and/or the first terminal equipment of the second mortgage mechanism user;
if the type of the last piece of record information is the mortgage removing record information, determining that the mortgage state information of the insuring voucher to be mortgaged is in a non-mortgage state; and the mortgage removing record information is information stored in the block chain through the block chain nodes when the first terminal equipment of the first mortgage mechanism user and/or the second mortgage mechanism user determines that the insurable certificate in the mortgage state meets the preset mortgage removing condition.
5. The method according to claim 1, wherein if the third terminal device determines to perform the mortgage processing based on the mortgage request according to the mortgage state information, after sending the mortgage state information to the third terminal device, the method further comprises:
receiving mortgage record information to be stored, which is sent by the third terminal equipment;
storing the mortgage record information to be stored into the block chain; and the number of the first and second groups,
and generating second verification information of the mortgage record information to be stored, and sending the second verification information to the third terminal equipment so that the third terminal equipment can perform mortgage removing processing on the insurable voucher based on the second verification information.
6. The method of claim 5, further comprising, after sending the second authentication information to the third terminal device:
receiving a mortgage removing request sent by the third terminal equipment, wherein the mortgage removing request comprises a certificate identifier of an insurance application certificate to be mortgage removed and the second verification information;
according to the sequence of the time for storing each piece of information into the block chain, inquiring the corresponding last piece of mortgage record information from the block chain according to the certificate identification of the insurable certificate to be mortgage removed;
verifying the second verification information according to the inquired last piece of mortgage record information;
if the verification is passed, generating mortgage-removing record information according to the certificate identification of the insurable certificate to be mortgage-removed, and storing the mortgage-removing record information into the block chain;
and sending a successful mortgage removing result to the third terminal equipment.
7. A transaction processing method based on a block chain is applied to a third terminal device of a first mortgage organization user, and comprises the following steps:
receiving a mortgage request sent by second terminal equipment of a requester user, wherein the mortgage request comprises a certificate identifier and first verification information of an insuring certificate to be mortgage; after the first terminal device of the user of the insurance application mechanism stores insurance application record information to the block chain through the block chain nodes based on an insurance application request sent by the second terminal device, the block chain nodes are generated and sent to the second terminal device through the first terminal device;
according to the certificate identification and the first verification information, sending a state query request to a block chain node, so that when the block chain node passes the verification of the first verification information based on the block chain, the block chain node queries the mortgage state information of the insurance certificate from the block chain according to the certificate identification;
receiving the mortgage state information sent by the block chain node;
and determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
8. The method of claim 7, the mortgage request and the status query request further comprising: first verification information, so that when the block chain node passes the verification of the first verification information, the block chain node inquires mortgage state information of the insurance certificate from the block chain according to the certificate identification; the first verification information is information sent by a first terminal device of a user of an insurance application mechanism to a second terminal device through a block chain node after insurance application record information is stored to the block chain through the block chain node based on an insurance application request sent by the second terminal device.
9. The method of claim 7, after the mortgage processing if it is determined that the mortgage processing is based on the mortgage request, further comprising:
sending the mortgage record information to be stored to the block chain nodes so that the block chain nodes store the mortgage record information into the block chain; and the number of the first and second groups,
receiving second verification information sent by the blockchain node; wherein the second verification information is information generated by the block link point based on the mortgage record information;
and storing the second verification information and the certificate identification in an associated manner.
10. The method of claim 9, after saving the second authentication information and the credential identification association, further comprising:
if the insurance application voucher meets the preset mortgage removing condition, acquiring the second verification information stored in a related manner according to the voucher identification of the insurance application voucher;
according to the certificate identification and the acquired second verification information, a mortgage removing request is sent to the block chain link node, so that when the block chain link node passes the verification of the second verification information, mortgage removing record information generated based on the certificate identification is stored in the block chain;
and receiving a successful mortgage removing result sent by the block chain node.
11. A transaction processing device based on a blockchain is applied to a blockchain node and comprises:
the system comprises a first receiving module, a second receiving module and a third receiving module, wherein the first receiving module is used for receiving the insurance application record information to be stored, which is sent by a first terminal device of an insurance application mechanism user, and storing the insurance application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
the first generation module is used for generating first verification information of the insurance application record information and sending the first verification information to the second terminal equipment through the first terminal equipment;
the second receiving module is used for receiving a state query request sent by third terminal equipment of a first mortgage mechanism user, wherein the state query request is sent by the third terminal equipment based on a mortgage request sent by the second terminal equipment, and the state query request comprises a certificate identifier of the insurable certificate to be mortgage;
the query module is used for querying the mortgage state information of the insurance certificate from the block chain according to the certificate identification if the first verification information passes the verification based on the block chain;
and the sending module is used for sending the mortgage state information to the third terminal equipment so that the third terminal equipment can determine whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
12. The apparatus of claim 11, wherein the first and second electrodes are disposed in a substantially cylindrical configuration,
the query module queries the insurance application record information from the block chain according to the certificate identifier; and the number of the first and second groups,
verifying the first verification information according to the inquired insurable record information;
and if the verification is passed, inquiring the mortgage state information of the insurance certificate from the block chain according to the certificate identification.
13. A transaction processing device based on a block chain is applied to a third terminal device of a first mortgage organization user, and comprises:
the system comprises a receiving module, a first verification module and a second verification module, wherein the receiving module receives a mortgage request sent by second terminal equipment of a requester user, and the mortgage request comprises a certificate identifier and first verification information of an insuring certificate to be mortgage; after the first terminal device of the user of the insurance application mechanism stores insurance application record information to the block chain through the block chain nodes based on an insurance application request sent by the second terminal device, the block chain nodes are generated and sent to the second terminal device through the first terminal device;
a sending module, configured to send a status query request to a block link node according to the credential identifier and the first verification information, so that the block link node queries, according to the credential identifier, mortgage status information of the warranty credential from the block link when the block link node passes verification of the first verification information based on the block link;
the receiving module is further configured to receive the mortgage state information sent by the block chain node;
and the determining module is used for determining whether to carry out mortgage processing based on the mortgage request according to the mortgage state information.
14. The apparatus of claim 13, wherein the first and second electrodes are disposed in a substantially cylindrical configuration,
the sending module is further configured to send mortgage record information to be stored to the block chain node after the determining module determines that the mortgage processing is performed based on the mortgage request, so that the block chain node stores the mortgage record information into the block chain;
the receiving module is further configured to receive second verification information sent by the blockchain node; wherein the second verification information is information generated by the block link point based on the mortgage record information; and storing the second verification information and the certificate identification in an associated manner.
15. A blockchain based transaction processing system comprising: the system comprises a first terminal device of an insurance mechanism user, a second terminal device of a requester user, a third terminal device of a first mortgage mechanism user and a block chain node;
the first terminal device receives an application request sent by the second terminal device, wherein the application request comprises application information; generating an insurance application certificate according to the insurance application information, and sending the insurance application certificate to the second terminal equipment; generating insurance application record information according to the certificate identification in the insurance application certificate, and sending the insurance application record information to the block link points; receiving first verification information sent by the blockchain node and sending the first verification information to the second terminal equipment;
the second terminal device responds to the insurance application operation of the requester user, sends an insurance application request to the first terminal device, and receives the insurance application certificate and the first verification information sent by the first terminal device; responding to the mortgage operation of the requester user, and sending a mortgage request to the third terminal equipment according to the insuring certificate to be mortgage and the first verification information;
the third terminal device receives the mortgage request sent by the second terminal device, and sends a state query request to the block link point according to the certificate identification of the insurable certificate to be mortgage and the first verification information included in the mortgage request; receiving mortgage state information sent by the block chain node, and determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information;
the block chain node receives the insurance application record information sent by the first terminal device and stores the insurance application record information into a block chain; generating first verification information of the application record information and sending the first verification information to the first terminal equipment; and receiving a state query request sent by the third terminal device, if the first verification information included in the query request is verified based on the block chain, querying the mortgage state information of the insurable voucher to be mortgaged from the block chain according to the voucher identification of the insurable voucher to be mortgaged, which is included in the state query request, and sending the mortgage state information to the third terminal device.
16. A blockchain-based transaction processing device comprising:
a processor; and the number of the first and second groups,
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
receiving application record information to be stored sent by a first terminal device of a user of an application mechanism, and storing the application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
generating first verification information of the application record information, and sending the first verification information to the second terminal equipment through the first terminal equipment;
receiving a state query request sent by a third terminal device of a first mortgage mechanism user, wherein the state query request is sent by the third terminal device based on a mortgage request sent by the second terminal device and comprises a certificate identifier of the insuring certificate to be mortgage and the first verification information;
if the first verification information passes verification based on the block chain, the mortgage state information of the insurance certificate is inquired from the block chain according to the certificate identification;
and sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
17. A blockchain-based transaction processing device comprising:
a processor; and the number of the first and second groups,
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
receiving a mortgage request sent by second terminal equipment of a requester user, wherein the mortgage request comprises a certificate identifier and first verification information of an insuring certificate to be mortgage; after the first terminal device of the user of the insurance application mechanism stores insurance application record information to the block chain through the block chain nodes based on an insurance application request sent by the second terminal device, the block chain nodes are generated and sent to the second terminal device through the first terminal device;
according to the certificate identification and the first verification information, sending a state query request to a block chain node, so that when the block chain node passes the verification of the first verification information based on the block chain, the block chain node queries the mortgage state information of the insurance certificate from the block chain according to the certificate identification;
receiving the mortgage state information sent by the block chain node;
and determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
18. A storage medium storing computer-executable instructions that when executed implement the following:
receiving application record information to be stored sent by a first terminal device of a user of an application mechanism, and storing the application record information into a block chain; the insurance application record information is information recorded after the first terminal equipment generates an insurance application certificate based on an insurance application request sent by second terminal equipment of a requester user, and the insurance application record information comprises a certificate identifier of the insurance application certificate;
generating first verification information of the application record information, and sending the first verification information to the second terminal equipment through the first terminal equipment;
receiving a state query request sent by a third terminal device of a first mortgage mechanism user, wherein the state query request is sent by the third terminal device based on a mortgage request sent by the second terminal device and comprises a certificate identifier of the insuring certificate to be mortgage and the first verification information;
if the first verification information passes verification based on the block chain, the mortgage state information of the insurance certificate is inquired from the block chain according to the certificate identification;
and sending the mortgage state information to the third terminal equipment so that the third terminal equipment determines whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
19. A storage medium storing computer-executable instructions that when executed implement the following:
receiving a mortgage request sent by second terminal equipment of a requester user, wherein the mortgage request comprises a certificate identifier and first verification information of an insuring certificate to be mortgage; after the first terminal device of the user of the insurance application mechanism stores insurance application record information to the block chain through the block chain nodes based on an insurance application request sent by the second terminal device, the block chain nodes are generated and sent to the second terminal device through the first terminal device;
according to the certificate identification and the first verification information, sending a state query request to a block chain node, so that when the block chain node passes the verification of the first verification information based on the block chain, the block chain node queries the mortgage state information of the insurance certificate from the block chain according to the certificate identification;
receiving the mortgage state information sent by the block chain node;
and determining whether to carry out mortgage processing based on the mortgage request or not according to the mortgage state information.
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