CN111047451A

CN111047451A - Financial data processing method and device based on block chain

Info

Publication number: CN111047451A
Application number: CN201811191027.8A
Authority: CN
Inventors: 不公告发明人
Original assignee: Shanghai Noah Investment Management Co ltd
Current assignee: Shanghai Noah Investment Management Co ltd
Priority date: 2018-10-12
Filing date: 2018-10-12
Publication date: 2020-04-21

Abstract

The disclosure relates to a financial data processing method and device based on a block chain. The method comprises the following steps: the block chain node receives claim settlement information sent by a client, and returns indication information to the client in response to the claim settlement information; the indication information is used for indicating the input of the biometric information of the insured; receiving the biological characteristic information of the insured sent by the client, and acquiring a corresponding electronic contract according to the biological characteristic information of the insured; wherein the electronic contract is pre-stored in a blockchain network; and determining a claim settlement result according to the claim settlement information and the electronic contract, and triggering the intelligent contract to automatically execute corresponding claim settlement operation according to the determined claim settlement result. The invention can improve the processing efficiency of insurance business data, save labor cost and improve claim settlement efficiency.

Description

Financial data processing method and device based on block chain

Technical Field

The present disclosure relates to the field of blockchain technologies, and in particular, to a method and an apparatus for processing financial data based on a blockchain.

Background

Along with the economic development of the society and the improvement of insurance consciousness of people, the demand of insurance business is more and more, and insurance can enjoy the guarantee of finance, personal life and the like by paying premium.

Along with the deepening of people's understanding of the insurance industry, the number of policemen is more and more, and because the insurance business increases rapidly, at present, the manual examination of insurance reports and claims is basically carried out, and along with the sharp increase of the number of cases, a large amount of labor and time cost can be consumed, the business data processing efficiency is relatively low, and the claim settlement efficiency is greatly reduced. Therefore, there is a need to provide a new technical solution to improve one or more of the problems in the above solutions.

It is noted that this section is intended to provide a background or context to the embodiments of the invention that are recited in the claims and the description herein is not admitted to be prior art by inclusion in this section.

Disclosure of Invention

An object of the present disclosure is to provide a method and apparatus for processing financial data based on a blockchain, thereby overcoming, at least to some extent, one or more of the problems due to the limitations and disadvantages of the related art.

According to a first aspect of embodiments of the present disclosure, there is provided a method for processing financial data based on a blockchain, the method including:

the block chain node receives claim settlement information sent by a client, and returns indication information to the client in response to the claim settlement information; the indication information is used for indicating the input of the biometric information of the insured;

receiving the biological characteristic information of the insured sent by the client, and acquiring a corresponding electronic contract according to the biological characteristic information of the insured; wherein the electronic contract is pre-stored in a blockchain network;

and determining a claim settlement result according to the claim settlement information and the electronic contract, and triggering the intelligent contract to automatically execute corresponding claim settlement operation according to the determined claim settlement result.

In an embodiment of the present disclosure, the acquiring a corresponding electronic contract according to the biometric information of the insured specifically includes:

determining the identity information of the corresponding insured according to the biometric information of the insured;

and acquiring the electronic contract corresponding to the insured according to the determined identity information of the insured.

In the embodiment of the disclosure, at least one insured biometric information is mapped and associated with the identity information of the corresponding insured in advance.

In an embodiment of the present disclosure, the biometric information includes at least one or more of fingerprint information, iris information, and face feature information.

In an embodiment of the present disclosure, the claim settlement information at least includes accident information and certification information; the determining a claim settlement result according to the claim settlement information and the electronic contract specifically includes:

extracting related claim settlement content in the electronic contract, and determining a claim settlement result corresponding to the accident information and the certification information according to the related claim settlement content; wherein the claim result at least comprises a claim amount.

In the embodiment of the disclosure, the related claim content at least comprises an insurance term, an insurance coverage, an insurance responsibility and a claim amount corresponding to the insurance responsibility.

In an embodiment of the present disclosure, the method further includes:

when the intelligent contract is triggered to automatically execute corresponding claim settlement operation, relevant claim settlement execution information is recorded, and the recorded claim settlement execution information is sent to the block chain nodes to be stored in the block chain network.

According to a second aspect of embodiments of the present disclosure, there is provided a block chain-based financial data processing apparatus, the apparatus including:

the data transceiver module is used for receiving claim settlement information sent by a client and returning indication information to the client in response to the claim settlement information; the indication information is used for indicating the input of the biometric information of the insured;

the contract acquisition module is used for receiving the biometric information of the insured person sent by the client and acquiring a corresponding electronic contract according to the biometric information of the insured person; wherein the electronic contract is pre-stored in a blockchain network;

and the claim settlement processing module is used for determining a claim settlement result according to the claim settlement information and the electronic contract and triggering the intelligent contract to automatically execute corresponding claim settlement operation according to the determined claim settlement result.

According to a third aspect of the embodiments of the present disclosure, there is provided a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements the steps of the method for processing financial data based on blockchains according to any one of the embodiments described above.

According to a fourth aspect of the embodiments of the present disclosure, there is provided an electronic apparatus including:

a processor; and

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform the steps of the blockchain-based financial data processing method of any one of the above embodiments via execution of the executable instructions.

The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects:

in the embodiment of the disclosure, the block chain node receives claim settlement information sent by a client, and returns an indication message in response to the claim settlement information to indicate to input the biometric information of the insured; receiving the biological characteristic information of the insured sent by the client, and acquiring a corresponding electronic contract according to the biological characteristic information of the insured; wherein the electronic contract is pre-stored in a blockchain network; and determining a claim settlement result according to the claim settlement information and the electronic contract, and triggering the intelligent contract to automatically execute corresponding claim settlement operation according to the determined claim settlement result. Therefore, the insurance service of claim settlement can be automatically carried out through the block chain technology, manual processing is reduced, the data processing efficiency of the insurance service can be improved, and the claim settlement efficiency is further improved.

Drawings

FIG. 1 illustrates a block chain based financial data processing method flow diagram in an embodiment of the present disclosure;

FIG. 2 is a flow diagram illustrating another method for blockchain-based financial data processing in an embodiment of the present disclosure;

FIG. 3 shows a block chain based financial data processing system schematic in an embodiment of the present disclosure;

FIG. 4 shows a schematic diagram of a computer readable storage medium in an exemplary embodiment of the disclosure;

FIG. 5 shows a schematic diagram of an electronic device in an exemplary embodiment of the disclosure.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.

Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.

The exemplary embodiment first provides a method for processing financial data based on a blockchain, which may be applied to a non-mobile terminal such as a mobile terminal or a desktop computer. Referring to fig. 1, the method may include the steps of:

step S101: the block chain node receives claim settlement information sent by a client, and returns indication information to the client in response to the claim settlement information; the indicating information is used for indicating the input of the biometric information of the insured life.

Step S102: receiving the biological characteristic information of the insured sent by the client, and acquiring a corresponding electronic contract according to the biological characteristic information of the insured; wherein the electronic contract is pre-stored in a blockchain network.

Step S103: and determining a claim settlement result according to the claim settlement information and the electronic contract, and triggering the intelligent contract to automatically execute corresponding claim settlement operation according to the determined claim settlement result.

By the block chain-based financial data processing method, the insurance service can be automatically settled through the block chain technology, manual processing is reduced, the data processing efficiency of the insurance service can be improved, and then the settlement efficiency is improved.

Hereinafter, the respective steps of the above-described method in the present exemplary embodiment will be described in more detail with reference to fig. 1 to 2.

In step S101, the block link node receives claim settlement information sent by a client, and returns an indication message to the client in response to the claim settlement information; the indicating information is used for indicating the input of the biometric information of the insured life.

In an embodiment of the present disclosure, the block link point may be a server or a computer in the insurance company, and the client may be a mobile terminal located at the client, such as a smart phone, or a computer. The biometric information includes at least, but is not limited to, one or more of fingerprint information, iris information, and facial feature information. In embodiments of the present disclosure, the claim information includes at least, but is not limited to, incident information and certification information. The accident information may be accident information such as car accident, medical treatment, etc., such as occurrence time, degree of accident, etc. The certification information may be related certification and data files provided by the insured or beneficiary for insurance audit, and may specifically be some certification data such as text, pictures or audio, though not limited thereto.

For example, when insurance claims are settled, a user can input claim settlement information through the client and send the claim settlement information to the block chain nodes, and the block chain nodes can return indication information such as input indication information 'please input the fingerprint information of the insured' to the client in response to the claim settlement information sent by the client, so as to indicate the user to input the fingerprint information of the insured, thereby facilitating the subsequent verification of the identity validity of the insured and improving the security.

In step S102, receiving the biometric information of the insured sent by the client, and acquiring a corresponding electronic contract according to the biometric information of the insured; wherein the electronic contract is pre-stored in the blockchain network.

Specifically, the electronic contract is an electronic contract which is signed by the insured life and is stored in the blockchain network after being signed. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. In a narrow sense, the blockchain is a distributed account book which is a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence and is guaranteed in a cryptographic mode and cannot be tampered and forged. Broadly, the blockchain technique is a completely new distributed infrastructure and computing approach that utilizes blockchain data structures to verify and store data, utilizes distributed node consensus algorithms to generate and update data, utilizes cryptography to secure data transmission and access, and utilizes intelligent contracts composed of automated script code to program and manipulate data. In the embodiment, the electronic contract is stored in the block chain, so that data tampering is prevented, and the data security and authenticity are improved.

The electronic contract includes the insured's identity information such as name, identification number, fingerprint, etc. For example, in the embodiment of the disclosure, at least one insured biometric information can be mapped and associated with the identity information of the corresponding insured, for example, the fingerprint information and the identity number are associated in advance to form a lookup table, and the lookup table can be stored in association with the electronic contract.

For example, in the embodiment of the present disclosure, the acquiring the corresponding electronic contract according to the biometric information of the insured may specifically include:

i) and determining the identity information of the corresponding insured according to the biometric information of the insured. For example, the corresponding identification number of the insured is inquired and obtained from the lookup table through the fingerprint information of the insured.

ii) acquiring the electronic contract corresponding to the insured according to the determined identity information of the insured. For example, the electronic contract is identified according to the found identification number of the insured, and when one electronic contract contains the identification number, the electronic contract corresponding to the insured can be obtained.

In step S103, a claim settlement result is determined according to the claim settlement information and the electronic contract, and an intelligent contract is triggered to automatically execute a corresponding claim settlement operation according to the determined claim settlement result.

In particular, the intelligent contract involved in the blockchain technology is based on the trusted and non-tampered data, and can automatically execute some predefined rules and terms. Taking insurance as an example, if the claim information of each person is verified to be authentic, automatic claim settlement can be easily carried out in some standardized insurance products, and the service data processing efficiency is improved. In this embodiment, the claim settlement result is determined according to the claim settlement information and the electronic contract, that is, whether the claim settlement condition specified by the contract, the insurance responsibility and the corresponding claim amount are satisfied is determined according to the claim settlement information.

Illustratively, determining the claim settlement result according to the claim settlement information and the electronic contract may specifically include: extracting related claim settlement content in the electronic contract, and determining a claim settlement result corresponding to the accident information and the certification information according to the related claim settlement content; wherein the claim result at least comprises a claim amount.

In an embodiment of the disclosure, the related claim content in the electronic contract at least includes an insurance period, an insurance coverage, an insurance responsibility and a claim amount corresponding to the insurance responsibility. The method comprises the steps of automatically auditing and comparing relevant certification data in claim information provided by an insured person or a beneficiary to determine whether an insurance contract is valid or not, whether an insurance deadline expires or not, whether a lost property is an insurance property or not, whether a claimant has the right to claim a claim or not, whether a place where an accident occurs is within an insurance coverage or not and the like, and determining insurance responsibility and a claim amount corresponding to the insurance responsibility according to the certification data after the situation that the accident does not occur is confirmed. Finally, the intelligent contract can be triggered to automatically execute corresponding claim settlement operation according to the determined claim settlement result, for example, a payment operation is triggered to pay insurance benefits to the insured account, and the like.

In the above embodiment of the disclosure, the electronic contract applied by the insured is pre-stored in the blockchain network, the blockchain node receives the claim settlement information sent by a client, returns an indication letter in response to the claim settlement information to indicate to input the biometric information of the insured, acquires the electronic contract corresponding to the insured according to the biometric information of the insured, determines the claim settlement result according to the claim settlement information and the electronic contract, and finally triggers the intelligent contract to automatically execute the corresponding claim settlement operation according to the determined claim settlement result. Therefore, the insurance service of claim settlement can be automatically carried out through the block chain technology, manual processing is reduced, the data processing efficiency of the insurance service can be improved, and the claim settlement efficiency is further improved.

In the embodiment of the present disclosure, on the basis of the above-mentioned embodiment, referring to fig. 2, the method may further include the following steps:

step S201: and when the intelligent contract is triggered to automatically execute corresponding claim settlement operation, recording related claim settlement execution information. For example, account information of the payment operation, result information such as successful payment receipt or payment failure, etc. are recorded.

Step S202: and sending the recorded claim execution information to the blockchain nodes to be stored in the blockchain network. That is, the claim execution information is stored in the block chain for safe storage, so that data is prevented from being tampered, proving information is provided for claim disputes, and some disputes of claim settlement are avoided.

It should be noted that although the various steps of the methods of the present disclosure are depicted in the drawings in a particular order, this does not require or imply that these steps must be performed in this particular order, or that all of the depicted steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.

The disclosed embodiment also provides a financial data processing apparatus based on a block chain, and referring to fig. 3, the apparatus 300 may include a data transceiver module 301, a contract acquisition module 302, and a claim settlement processing module 303; wherein:

the data transceiver module 301 is configured to receive claim settlement information sent by a client 100, and return an indication message to the client 100 in response to the claim settlement information; the indication information is used for indicating the input of the biometric information of the insured;

a contract obtaining module 302, configured to receive the biometric information of the insured from the client 100, and obtain a corresponding electronic contract according to the biometric information of the insured; wherein the electronic contract is pre-stored in the blockchain network;

the claim settlement processing module 303 is configured to determine a claim settlement result according to the claim settlement information and the electronic contract, and trigger the intelligent contract to automatically execute a corresponding claim settlement operation according to the determined claim settlement result.

In an embodiment of the present disclosure, the contract obtaining module 302 obtains the corresponding electronic contract according to the biometric information of the insured, which specifically includes: determining the identity information of the corresponding insured according to the biometric feature information of the insured; and acquiring the electronic contract corresponding to the insured according to the determined identity information of the insured.

In embodiments of the present disclosure, the biometric information includes at least one or more of, but is not limited to, fingerprint information, iris information, and facial feature information.

In embodiments of the present disclosure, the claim information includes at least, but is not limited to, incident information and certification information; the claim settlement processing module 303 determines a claim settlement result according to the claim settlement information and the electronic contract, and specifically may include: extracting related claim settlement content in the electronic contract, and determining a claim settlement result corresponding to the accident information and the certification information according to the related claim settlement content; wherein the claim result at least includes but is not limited to the claim amount and the like.

In the embodiment of the present disclosure, the related claim content at least includes, but is not limited to, an insurance term, an insurance coverage, an insurance responsibility, a claim amount corresponding to the insurance responsibility, and the like.

In an embodiment of the present disclosure, the apparatus may further include a record processing module, configured to record relevant claim execution information when the claim processing module triggers the intelligent contract to automatically execute a corresponding claim operation, and send the recorded claim execution information to the blockchain node to be stored in the blockchain network.

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units. The components shown as modules or units may or may not be physical units, i.e. may be located in one place or may also be distributed over a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the wood-disclosed scheme. One of ordinary skill in the art can understand and implement it without inventive effort.

In an exemplary embodiment of the present disclosure, there is also provided a computer-readable storage medium, on which a computer program is stored, which when executed by, for example, a processor, may implement the steps of the block chain based financial data processing method described in any one of the above embodiments. In some possible embodiments, aspects of the present invention may also be implemented in the form of a program product comprising program code means for causing a terminal device to carry out the steps according to various exemplary embodiments of the present invention as described in the above-mentioned block chain based financial data processing method section of the present specification, when said program product is run on the terminal device.

Referring to fig. 4, a program product 400 for implementing the above method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

In an exemplary embodiment of the present disclosure, there is also provided an electronic device, which may include a processor, and a memory for storing executable instructions of the processor. Wherein the processor is configured to perform the steps of the blockchain-based financial data processing method of any one of the above embodiments via execution of the executable instructions.

As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.

An electronic device 600 according to this embodiment of the invention is described below with reference to fig. 5. The electronic device 600 shown in fig. 5 is only an example and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 5, the electronic device 600 is embodied in the form of a general purpose computing device. The components of the electronic device 600 may include, but are not limited to: at least one processing unit 610, at least one storage unit 620, a bus 630 that connects the various system components (including the storage unit 620 and the processing unit 610), a display unit 640, and the like.

Wherein the storage unit stores program code executable by the processing unit 610 to cause the processing unit 610 to perform steps according to various exemplary embodiments of the present invention described in the above-mentioned blockchain-based financial data processing method section of the present specification. For example, the processing unit 610 may perform the steps as shown in fig. 1.

The storage unit 620 may include readable media in the form of volatile memory units, such as a random access memory unit (RAM)6201 and/or a cache memory unit 6202, and may further include a read-only memory unit (ROM) 6203.

The memory unit 620 may also include a program/utility 6204 having a set (at least one) of program modules 6205, such program modules 6205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.

Bus 630 may be one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.

The electronic device 600 may also communicate with one or more external devices 700 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 600, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 600 to communicate with one or more other computing devices. Such communication may occur via an input/output (I/O) interface 650. Also, the electronic device 600 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via the network adapter 660. The network adapter 660 may communicate with other modules of the electronic device 600 via the bus 630. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, or a network device, etc.) to execute the above-mentioned block chain-based financial data processing method according to the embodiments of the present disclosure.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

Claims

1. A financial data processing method based on a block chain is characterized by comprising the following steps:

2. The method according to claim 1, wherein the obtaining of the corresponding electronic contract based on the biometric information of the insured specifically comprises:

3. The method of claim 2 wherein at least one insured biometric information is pre-mapped associated with the identity information of the corresponding insured.

4. The method according to any one of claims 1 to 3, wherein the biometric information includes at least one or more of fingerprint information, iris information, and face feature information.

5. The method of claim 4, wherein the claim information comprises at least incident information and certification information; the determining a claim settlement result according to the claim settlement information and the electronic contract specifically includes:

6. The method of claim 5, wherein the related claim content comprises at least an insurance period, an insurance coverage, an insurance responsibility and a claim amount corresponding to the insurance responsibility.

7. The method of claim 5, further comprising:

8. A blockchain-based financial data processing apparatus, the apparatus comprising:

9. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method for blockchain-based financial data processing according to any one of claims 1 to 7.

10. An electronic device, comprising:

a processor; and

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform the steps of the blockchain-based financial data processing method of any one of claims 1 to 7 via execution of the executable instructions.