CN111127216A - Method, equipment and medium for realizing bank financing product based on block chain - Google Patents

Method, equipment and medium for realizing bank financing product based on block chain Download PDF

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CN111127216A
CN111127216A CN201911396989.1A CN201911396989A CN111127216A CN 111127216 A CN111127216 A CN 111127216A CN 201911396989 A CN201911396989 A CN 201911396989A CN 111127216 A CN111127216 A CN 111127216A
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block chain
user
product
financial
sub
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杨海勇
庞松涛
商广勇
王伟兵
马岩堂
宋明明
李佳
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Shandong Inspur Quality Chain Technology Co Ltd
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Shandong ICity Information Technology Co., Ltd.
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    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
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    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
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    • 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

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Abstract

The application discloses a realization method, equipment and medium of bank financing products based on block chains, wherein the method comprises the following steps: constructing a main block chain platform according to the block chain framework; deploying a sub-block chain corresponding to the financing product, and marking the financing product according to the unique identifier generated by the sub-block chain; when a user subscribes to a financial product, allocating a main block chain platform account for the user; and the user carries out transaction on the financial product through the main blockchain platform account. The method for realizing the circulation of the financial products based on the block chain can fully combine the financial products with the technical characteristics of the block chain, thereby enabling each financial product to be traced back and further realizing the transaction and circulation among the financial products. And each main block chain account can subscribe a plurality of financial products without opening an account for each financial product, thereby providing great convenience for the transaction process of users and further improving the transaction efficiency and the circulation efficiency of the financial products.

Description

Method, equipment and medium for realizing bank financing product based on block chain
Technical Field
The application relates to the technical field of bank financing, in particular to a realization method, equipment and medium of a bank financing product based on a block chain.
Background
With the development of economy and the improvement of the living standard of people, more and more people realize the appreciation and the utilization of assets by purchasing financing products. The financial product is designed and issued by commercial banks and regular financial institutions. The mechanism invests the collected fund into a related financial market and purchases related financial products according to the contract agreement of the products, and distributes the fund to investors according to the contract agreement after acquiring investment income.
However, with the enhancement of the regulatory force of the related national financial regulatory department on the financial field. At present, when financial products circulate among different users, the financial products are generally limited by relevant policies and specified limits, and the purpose of quick and convenient circulation cannot be realized.
Based on this, a method for effectively realizing the circulation of financial products is needed.
Disclosure of Invention
In view of the above, the present invention provides a method, apparatus and medium for implementing a blockchain-based banking product that overcomes or at least partially solves the above-mentioned problems.
The embodiment of the specification adopts the following technical scheme:
in a first aspect, an embodiment of the present invention provides a method for implementing a bank financing product based on a block chain, including:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
Further, the deploying of the sub-block chain corresponding to the financial product comprises: and the financial products correspond to the sub-block chains one by one.
Further, the allocating the master blockchain platform account to the user includes: allocating one main blockchain platform account for each user, wherein one main blockchain platform account corresponds to one or more financial products; or distributing a plurality of main block chain platform accounts for each user, wherein one main block chain platform account corresponds to one or more financial products.
Further, the user transacts the financial product through the master blockchain platform account, including: the users trade each financing product through the main block chain platform account; and/or the user transacts each of the financial products of the master blockchain platform account itself.
Further, the transaction includes at least one of: buy, sell, withdraw, and commit.
Further, still include: and after the financial product expires, allocating the income to the user according to an intelligent contract preset in the sub-block chain.
Further, the accrued income is set as the product of the total income of the financial product and the proportion of the financial product which is subscribed by the user and the contribution degree of the user.
Further, the intelligent contract contracts the guarantee base income of the financial product and the upper limit of the profit of the financial product.
In a second aspect, an embodiment of the present invention provides a device for implementing a bank financing product based on a block chain, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
In a third aspect, an embodiment of the present invention further provides a non-volatile computer storage medium implemented by a bank financing product based on a block chain, where computer-executable instructions are stored, where the computer-executable instructions are configured to:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
the invention provides a realization method of bank financing products based on a block chain, wherein a corresponding sub-block chain is deployed for each financing product, and when a user subscribes the financing products, the financing products can be circulated through a main block chain account. The way of realizing the circulation of the financial products based on the block chain can fully combine the technical characteristics of the financial products and the block chain, thereby enabling each financial product to be traced back and further realizing the transaction and circulation among the financial products. And each main block chain account can subscribe a plurality of financial products without opening an account for each financial product, thereby providing great convenience for the transaction process of users and further improving the transaction efficiency and the circulation efficiency of the financial products. The sub-block chain generates a unique identifier to mark the financial product and encrypts the identity information of the user to ensure that the transaction of the financial product is safer and more reliable. In addition, the transaction data uploaded to the block chain is difficult to tamper, so that the stability and the safety of the financial product transaction process are ensured to a great extent, and the trust of a user on a financial institution can be improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
fig. 1 is a flow diagram of an implementation method of a bank financing product based on a block chain according to an embodiment of the present specification;
fig. 2 is a schematic structural diagram of an implementation device of a bank financing product based on a block chain according to an embodiment of the present specification.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more clear, the technical solutions of the present disclosure will be clearly and completely described below with reference to specific embodiments of the present disclosure and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person skilled in the art without making any inventive step based on the embodiments in the description belong to the protection scope of the present application.
The blockchain technology plays an increasingly important role in the fields of traceability, data management, audit, internet of things and the like due to the characteristics of decentralization, openness, independence, anonymity, non-falsification and the like. The invention improves the problems existing in the circulation process of bank financing products on the basis of the block chain technology so as to improve the circulation efficiency of the financing products.
The technical solutions provided by the embodiments of the present application are described in detail below with reference to the accompanying drawings.
Example one
The scheme of the application provides a realization method of a bank financing product based on a block chain, which comprises the following steps with reference to fig. 1:
and S11, constructing a main block chain platform according to the block chain framework.
Common mainstream block chain frameworks include Bittercoin framework, EtherFarforFrame, Fabric framework, Onchain Distributed Networks Architecture (Onchain Distributed Networks Architecture), and Corda framework. Different block chain architectures have different characteristics, for example, the ether house architecture has the characteristics of a smart contract language, built-in persistent state storage and the like; the Fabric architecture has the characteristics of modular design, replaceable components and the like. Based on the different characteristics of the different blockchain architectures, a blockchain platform that better meets the user requirements can be constructed, and based on this, the main blockchain platform according to the embodiment of the present invention may be constructed according to any kind of blockchain framework, which is not limited in the embodiment of the present invention.
And S12, deploying the corresponding sub-block chain for the financial product, and marking the financial product according to the unique identifier generated by the sub-block chain.
In one embodiment, when the corresponding sub-block chain is deployed for the financial product, the relationship between the financial product and the sub-block chain is a one-to-one correspondence relationship. In other words, each financial product corresponds to a chain of sub-blocks. For example, when the number of financial products issued by a financial institution is N, the number of the corresponding sub-block chains is also N. Each sub-block chain itself will also generate a unique identifier, which may be, for example, a two-dimensional code, a barcode, or a specific number sequence, and this embodiment does not limit this. For convenience of illustration, the unique identifier generated by the sub-block chain in this embodiment is denoted by CNIs represented by N and CNAnd correspondingly.
And S13, when the user subscribes to the financial product, allocating a main block chain platform account for the user.
In this step, when allocating a main block chain platform account to a user, the following two situations are included:
the method comprises the steps of firstly, distributing a main block chain platform account for each user respectively, wherein one main block chain platform account corresponds to one or more financial products.
And secondly, distributing a plurality of main block chain platform accounts for each user, wherein one main block chain platform account corresponds to one or more financial products.
And S14, the user transacts the financial product through the main block chain platform account.
Specifically, when a financial product is transacted, the following two situations are also included:
firstly, the users trade various financial products through the main block chain platform account.
And secondly, the user carries out transaction on each financial product of the main block chain platform account. Because each master blockchain platform account can subscribe to a plurality of financial products, the user can transact the plurality of financial products in each master blockchain platform account.
The specific form of the transaction may be, for example, one or more of buy, sell, withdraw, and consign, which is not limited in this embodiment.
In addition to the above steps S11 to S14, the method for implementing a bank financing product based on a block chain according to an embodiment of the present invention may further include:
and S15, when the financial product expires, allocating the income to the user according to the preset intelligent contract in the sub-block chain.
The intelligent contract is a protocol which can automatically execute tasks which need to be completed manually, and contains a set of preset rules. In the data processing or transaction process, if a certain operation or a certain numerical value and the like accord with a preset rule in the intelligent contract, the block chain can automatically execute the specific protocol in the intelligent contract.
In step S15, the insurance benefit of the financial product and the benefit upper limit of the financial product may be agreed by, for example, an intelligent contract. Specifically, the funding benefit of the financial product may be set to 5% of the total amount of the underwriting, for example, and the upper limit of the profit of the financial product may be set to 20% of the total amount of the underwriting, for example, the present embodiment does not limit the specific values of the funding benefit and the upper limit of the profit, and does not limit the specific content of the intelligent contract.
The unique identifier and the identity information of the user in the above steps S12 and S13 of the present embodiment may be encrypted by using a cryptographic principle, for example. Common encryption algorithms include a symmetric encryption algorithm, an asymmetric encryption algorithm, a hash algorithm, a digital signature, and the like, and the specific form of the encryption algorithm is not limited in this embodiment. The encrypted unique identification and the user identity information have higher privacy, so that the transaction data of the user is protected more powerfully.
Furthermore, the income earned with respect to the user is explained below in a specific embodiment:
example two
For convenience of explanation, in the second embodiment, a scene of "mining" is used as a financial product issued by a bank. The process of mining is to confirm transactions in a bitcoin system within a period of time and record a process of forming a new block on a block chain, wherein the mining is called a miner, the mining is an accounting process, the miner is an accounting clerk, and the block chain is an account book. Of course, the above explanation is the definition of "mine digging" in the bitcoin field, based on which, the present embodiment can extend a richer meaning to the concept of "mine digging", which can be "mine digging" performed on any digital currency in the block chain, and can also refer to the production or proliferation process of blocks in the block chain in general.
When a user installs application programs of financial products provided by financial institutions such as banks on a client, each client is a miner of the sub-block chain (different types of financial products are different sub-block chains), the financial institutions such as the banks regularly issue tasks and challenges in the sub-block chain, the tasks and the challenges are claimed by the miner, and the miner is responsible for generating the next block after the tasks and the challenges are received by the miner. When the financing product is settled due, settlement is carried out according to the contribution degree of each miner to the sub-block chain. The contribution degree may be set as a ratio of the number of blocks B generated by each miner to the total number of blocks a in the sub-block chain, for example. Furthermore, the user's income due should take into account the influence of the amount of underwritten financial products, in addition to the contribution amount.
Specifically, the user's income due calculation formula may be:
income equal to the total income of the financing product x (B/A) x (user subscription amount/total financing product number)
It should be noted that when the number of financial products held by the user is 0, it is not possible to obtain any profit, and even if there is a degree of contribution by the user before the transfer of the financial products is made, it is not possible to obtain the benefit to be obtained.
The invention provides a realization method of bank financing products based on a block chain, wherein a corresponding sub-block chain is deployed for each financing product, and when a user subscribes the financing products, the financing products can be circulated through a main block chain account. The way of realizing the circulation of the financial products based on the block chain can fully combine the technical characteristics of the financial products and the block chain, thereby enabling each financial product to be traced back and further realizing the transaction and circulation among the financial products. And each main block chain account can subscribe a plurality of financial products without opening an account for each financial product, thereby providing great convenience for the transaction process of users and further improving the transaction efficiency and the circulation efficiency of the financial products. The sub-block chain generates a unique identifier to mark the financial product and encrypts the identity information of the user to ensure that the transaction of the financial product is safer and more reliable. In addition, the transaction data uploaded to the block chain is difficult to tamper, so that the stability and the safety of the financial product transaction process are ensured to a great extent, and the trust of a user on a financial institution can be improved.
Based on the same inventive concept, the embodiment of the invention also provides equipment and a medium for realizing the bank property management based on the block chain, and as the principle of the problems solved by the equipment and the medium is similar to the method for realizing the bank property management based on the block chain, the implementation of the equipment and the medium can refer to the implementation of the method, and repeated parts are not repeated.
Referring to fig. 2, an embodiment of the present invention provides a device for implementing a bank financing product based on a block chain, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
The embodiment of the invention also provides a non-volatile computer storage medium for realizing the bank financing product based on the block chain, which stores computer executable instructions, and the computer executable instructions are set as follows:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 present invention is directed to methods, apparatus (systems), and computer program products according to embodiments of the present invention
A flowchart and/or block diagram of an article. 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 the 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.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims (10)

1. A realization method of a bank financing product based on a block chain is characterized by comprising the following steps:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
2. The method of claim 1, wherein said deploying a chain of sub-blocks corresponding thereto for a financial product comprises:
and the financial products correspond to the sub-block chains one by one.
3. The method of claim 2, wherein said allocating the master blockchain platform account for the user comprises:
allocating one main blockchain platform account for each user, wherein one main blockchain platform account corresponds to one or more financial products; or
And allocating a plurality of main block chain platform accounts for each user, wherein one main block chain platform account corresponds to one or more financial products.
4. The method of claim 3, wherein the user transacts the financial product through the master blockchain platform account, comprising:
the users trade each financing product through the main block chain platform account; and/or the user transacts each of the financial products of the master blockchain platform account itself.
5. The method of claim 4, wherein the transaction comprises at least one of: buy, sell, withdraw, and commit.
6. The method of claim 1, further comprising:
and after the financial product expires, allocating the income to the user according to an intelligent contract preset in the sub-block chain.
7. The method of claim 6, wherein the accrued revenue is set to be a product of a total revenue of the financial product and a proportion of the financial product underwritten by the user and the user contribution.
8. The method of claim 6, wherein the intelligent contract provides an agreement on a guaranteed base return of the financial product and an upper limit of return of the financial product.
9. An implementation device of a bank financing product based on a block chain is characterized by comprising the following components:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
10. A non-transitory computer storage medium implemented on a blockchain-based banking product, storing computer-executable instructions configured to:
constructing a main block chain platform according to the block chain framework;
deploying a sub-block chain corresponding to a financing product, and marking the financing product according to a unique identifier generated by the sub-block chain;
when a user subscribes to the financial product, allocating the main block chain platform account for the user;
and the user carries out transaction on the financial product through the main block chain platform account.
CN201911396989.1A 2019-12-30 2019-12-30 Method, equipment and medium for realizing bank financing product based on block chain Pending CN111127216A (en)

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CN111815070A (en) * 2020-07-23 2020-10-23 深圳壹账通智能科技有限公司 Data processing method, device, equipment and storage medium based on block chain
CN111833192A (en) * 2020-07-27 2020-10-27 北京比财数据科技有限公司 Internet group-piecing financing method and device, computer storage medium and terminal
CN112132691A (en) * 2020-09-30 2020-12-25 中国银行股份有限公司 Account data processing method, device and equipment and readable storage medium
CN113191897A (en) * 2021-04-29 2021-07-30 中钞信用卡产业发展有限公司杭州区块链技术研究院 Block chain based product transaction method, device, equipment and storage medium
CN114638678A (en) * 2022-03-22 2022-06-17 成都质数斯达克科技有限公司 Clearing method, clearing device, clearing equipment and readable storage medium based on block chain
CN114638678B (en) * 2022-03-22 2024-07-02 成都质数斯达克科技有限公司 Block chain-based clearing method, device, equipment and readable storage medium

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111815070A (en) * 2020-07-23 2020-10-23 深圳壹账通智能科技有限公司 Data processing method, device, equipment and storage medium based on block chain
CN111833192A (en) * 2020-07-27 2020-10-27 北京比财数据科技有限公司 Internet group-piecing financing method and device, computer storage medium and terminal
CN112132691A (en) * 2020-09-30 2020-12-25 中国银行股份有限公司 Account data processing method, device and equipment and readable storage medium
CN112132691B (en) * 2020-09-30 2023-09-29 中国银行股份有限公司 Account data processing method, device, equipment and readable storage medium
CN113191897A (en) * 2021-04-29 2021-07-30 中钞信用卡产业发展有限公司杭州区块链技术研究院 Block chain based product transaction method, device, equipment and storage medium
CN114638678A (en) * 2022-03-22 2022-06-17 成都质数斯达克科技有限公司 Clearing method, clearing device, clearing equipment and readable storage medium based on block chain
CN114638678B (en) * 2022-03-22 2024-07-02 成都质数斯达克科技有限公司 Block chain-based clearing method, device, equipment and readable storage medium

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