CN111260363A - Public benefit fund supervision method, device, equipment and medium based on block chain - Google Patents
Public benefit fund supervision method, device, equipment and medium based on block chain Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 41
- 238000012550 audit Methods 0.000 claims abstract description 234
- 238000012546 transfer Methods 0.000 claims description 21
- 238000007726 management method Methods 0.000 claims description 12
- 238000004900 laundering Methods 0.000 claims description 6
- 238000012795 verification Methods 0.000 claims description 3
- 238000004891 communication Methods 0.000 description 7
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- 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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
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Abstract
The invention discloses a block chain-based public benefit fund supervision method, a block chain-based public benefit fund supervision device, a block chain-based public benefit fund supervision equipment and a block chain-based public benefit fund supervision storage medium, wherein the method comprises the following steps: the digital asset issuer issues the digital assets of each equity fund holder and remits the digital assets to each corresponding equity fund holder; the digital asset issuer conducts secondary audit on the remittance operation passing the primary audit based on preset audit rules, the primary audit is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital asset, and the audit record of the primary audit is recorded in a block chain account book by the public welfare fund holder; the digital asset issuer determines whether to allow the remittance operation according to the secondary audit result, and records the audit record of the secondary audit in the block chain account book. The invention records the fund flow direction and the auditing condition of the public welfare fund holder in the block chain, so that the fund orientation and the using condition in the public welfare fund institution are more open and transparent.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based public benefit fund supervision method, device, equipment and medium.
Background
The social public benefit fund is a fund for using the income for a designated social public utility, such as a welfare fund, a scientific development fund, an educational development fund, a literature reward fund and the like.
The fund flow direction and the use condition of the fund institutions of the public interest class are not disclosed to the public but are supervised by internal funds, and due to the particularity of fund sources, the result caused by the unsupervised supervision is more serious than the result caused by the unsupervised supervision of the fund institutions of other non-public interest classes, for example, the non-transparency of the fund flow direction can cause the distrust of the social public to the fund institutions of the public interest class, the public credibility of the fund institutions of the public interest class is reduced, and further the fund collected by the public interest class cannot be effectively absorbed by the fund institutions of the public interest class.
Disclosure of Invention
The invention mainly aims to provide a block chain-based public welfare fund supervision method, a block chain-based public welfare fund supervision device, public welfare fund supervision equipment and a block chain-based public welfare fund supervision medium, and aims to solve the technical problem that in the prior art, the fund flow direction and the use condition of public welfare funds are not transparent.
In order to achieve the above object, the present invention provides a block chain-based public benefit fund supervision method, including the following steps:
in a block chain-based asset transaction platform, a digital asset issuer issues digital assets of each equity fund holder and remits the digital assets to each corresponding equity fund holder;
the digital asset issuer carries out secondary audit on the remittance operation passing the primary audit based on a preset audit rule, wherein the primary audit is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital asset, and the audit record of the primary audit is recorded in a block chain account book by the public welfare fund holder;
and the digital asset issuer determines whether to allow the remittance operation according to the secondary audit result and records the audit record of the secondary audit in a block chain account book.
Optionally, in the block chain-based asset trading platform, the step of issuing the digital assets of the respective equity fund holders by the digital asset issuer comprises:
in a blockchain-based asset trading platform, the digital asset issuer obtains legal monetary holdings and/or fixed asset holdings of individual equity fund holders;
the digital asset issuer exchanges the legal currency and/or fixed assets of the respective equity fund holders for digital assets based on preset exchange rules and the legal currency holding amounts and/or fixed asset holding amounts.
Optionally, the step of performing a secondary audit on the remittance operation that passes the primary audit by the digital asset issuer based on a preset audit rule includes:
the digital asset issuer obtains the remittance amount of the digital asset remittance from the checking record of the one-time checking by the public welfare fund holder to the receiver and/or the remittance frequency of the digital asset remittance from the public welfare fund holder to the receiver;
if the remittance amount of the public welfare fund holder for remittance of the digital assets to the receiver is larger than or equal to a first preset amount threshold value in the remittance operation passing the primary audit, and/or if the remittance frequency of the public welfare fund holder for remittance of the digital assets to the receiver is larger than or equal to a preset frequency threshold value, the digital asset issuer does not pass the secondary audit of the remittance operation;
and if the remittance amount of the digital asset remittance to the receiver of the public interest fund holder is smaller than a first preset amount threshold, and/or if the remittance frequency of the digital asset remittance to the receiver of the public interest fund holder is smaller than a preset frequency threshold, the digital asset issuer passes the secondary verification of the remittance operation.
Optionally, the step of performing a secondary audit on the remittance operation that passes the primary audit by the digital asset issuer based on a preset audit rule includes:
the digital asset issuer acquires the account type of the payee from the audit record of the one-time audit;
and if the receiver of the public welfare fund holder for digital asset remittance is an overseas account, the digital asset issuer sends the auditing record of one auditing to a preset cross-border remittance management terminal so that the preset cross-border remittance management terminal can audit the validity of the digital asset remittance.
Optionally, the step of performing a secondary audit on the remittance operation that passes the primary audit by the digital asset issuer based on a preset audit rule includes:
the digital asset issuer acquires the digital asset amount of the equity fund holder and/or the digital asset amount of the remitter from the audit record of the one-time audit;
if the digital asset amount of the public interest fund holder is less than or equal to a second preset amount threshold value and/or the digital asset amount of the remitter is greater than or equal to a third preset amount threshold value, the digital asset issuer does not pass the secondary audit of the remittance operation;
and if the digital asset amount of the public interest fund holder is larger than a second preset amount threshold value and/or the digital asset amount of the remitter is smaller than a third preset amount threshold value, the digital asset issuer passes the secondary audit of the remittance operation.
Optionally, the step of the digital asset issuer determining whether to allow the money transfer operation based on the secondary audit result comprises:
if the second audit is passed, the digital asset issuer permits the money transfer operation;
if the secondary audit fails, the digital asset issuer does not permit the money transfer operation.
Optionally, the block chain-based public benefit fund supervision method further includes:
if the payee is an enterprise, the primary audit is that the public welfare fund holder performs KYC identity check and/or AML anti-money laundering check on the payee;
and if the payee is an individual, the one-time audit is at least one of name check, identity card number check and biological characteristic check of the public welfare fund holder on the payee.
Further, to achieve the above object, the present invention further provides a block chain-based public benefit fund supervision apparatus, including:
the issuing module is used for issuing the digital assets of each public welfare fund holder by a digital asset issuer in the asset transaction platform based on the block chain and remitting the digital assets to each corresponding public welfare fund holder;
the auditing module is used for the digital asset issuer to carry out secondary auditing on remittance operation passing the primary auditing based on preset auditing rules, wherein the primary auditing is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital assets, and the auditing record of the primary auditing is recorded in a block chain account book by the public welfare fund holder;
and the permission module is used for determining whether to permit the remittance operation according to the secondary audit result and recording the secondary audit result and whether to permit the remittance operation in a block chain account book.
Further, to achieve the above object, the present invention also provides a block chain-based public benefit fund supervision device, including a memory, a processor, and a block chain-based public benefit fund supervision program stored in the memory and executable on the processor, where the block chain-based public benefit fund supervision program, when executed by the processor, implements the steps of the block chain-based public benefit fund supervision method as described above.
Further, to achieve the above object, the present invention also provides a computer readable storage medium, on which a block chain based public benefit fund supervision program is stored, which when executed by a processor implements the steps of the block chain based public benefit fund supervision method as described above.
In the block chain-based asset transaction platform, a digital asset issuer issues digital assets of all public interest fund holders and remits the digital assets to all corresponding public interest fund holders; the digital asset issuer carries out secondary audit on the remittance operation passing the primary audit based on a preset audit rule, wherein the primary audit is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital asset, and the audit record of the primary audit is recorded in a block chain account book by the public welfare fund holder; and the digital asset issuer determines whether to allow the remittance operation according to the secondary audit result and records the audit record of the secondary audit in a block chain account book. According to the invention, the capital flow direction and the checking condition of the public welfare fund holder are recorded in the block chain through the asset transaction platform based on the block chain, so that the capital orientation and the use condition in the public welfare fund institutions are more open and transparent, the public credibility of the public welfare fund institutions is improved, and the supervision strength of the public welfare fund flow is increased through the double checking of the once checking of the remittee by the remitter and the twice checking of the once checked remittance operation by the digital asset issuer.
Drawings
FIG. 1 is a schematic structural diagram of a hardware operating environment of a device according to an embodiment of the block chain-based public benefits fund supervision device of the present invention;
FIG. 2 is a schematic flow chart illustrating a block chain-based public benefits fund supervision method according to a first embodiment of the present invention;
fig. 3 is a functional block diagram of a block chain-based public benefits fund supervision apparatus according to a preferred embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
It should be noted that the fund flow direction and use condition of the fund institution in the public welfare class are not disclosed to the public but are supervised by the internal fund, because of the particularity of the fund source, the result caused by the unsupervised supervision is more serious than the result caused by the unsupervised supervision of the fund institution in other non-public welfare classes, for example, the opaque fund flow direction can cause the distrust of the public to the fund institution in the public welfare class, the public trust of the fund institution in the public welfare class is reduced, and the fund collected by the public welfare class cannot be effectively absorbed by the fund institution in the public welfare class.
Based on the above defects, the present invention provides a block chain-based public benefit fund supervision device, and referring to fig. 1, fig. 1 is a schematic structural diagram of a device hardware operating environment related to an embodiment of the block chain-based public benefit fund supervision device of the present invention.
As shown in fig. 1, the block chain-based public interest fund supervision apparatus may include: a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a memory device separate from the processor 1001 described above.
Those skilled in the art will appreciate that the hardware architecture of the blockchain-based public interest fund supervision device shown in fig. 1 does not constitute a limitation of the blockchain-based public interest fund supervision device, and may include more or fewer components than shown, or combine certain components, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a type of computer-readable storage medium, may include therein an operating system, a network communication module, a user interface module, and a block chain-based public benefits fund supervisor. The operating system is a program for managing and controlling the block chain-based public benefits fund supervision equipment and software resources, and supports the operation of a network communication module, a user interface module, the block chain-based public benefits fund supervision program and other programs or software; the network communication module is used to manage and control the network interface 1004; the user interface module is used to manage and control the user interface 1003.
In the hardware structure of the block chain-based public benefit fund supervision device shown in fig. 1, the network interface 1004 is mainly used for connecting with a background server and communicating data with the background server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; the processor 1001 may call the blockchain-based public benefits fund supervisor stored in the memory 1005 and perform the following operations:
in a block chain-based asset transaction platform, a digital asset issuer issues digital assets of each equity fund holder and remits the digital assets to each corresponding equity fund holder;
the digital asset issuer carries out secondary audit on the remittance operation passing the primary audit based on a preset audit rule, wherein the primary audit is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital asset, and the audit record of the primary audit is recorded in a block chain account book by the public welfare fund holder;
and the digital asset issuer determines whether to allow the remittance operation according to the secondary audit result and records the audit record of the secondary audit in a block chain account book.
Further, in the block chain-based asset transaction platform, the step of issuing the digital assets of the respective public interest fund holders by the digital asset issuer comprises:
in a blockchain-based asset trading platform, the digital asset issuer obtains legal monetary holdings and/or fixed asset holdings of individual equity fund holders;
the digital asset issuer exchanges the legal currency and/or fixed assets of the respective equity fund holders for digital assets based on preset exchange rules and the legal currency holding amounts and/or fixed asset holding amounts.
Further, the step of the digital asset issuer performing secondary audit on the remittance operation passing the primary audit based on the preset audit rule includes:
the digital asset issuer obtains the remittance amount of the digital asset remittance from the checking record of the one-time checking by the public welfare fund holder to the receiver and/or the remittance frequency of the digital asset remittance from the public welfare fund holder to the receiver;
if the remittance amount of the public welfare fund holder for remittance of the digital assets to the receiver is larger than or equal to a first preset amount threshold value in the remittance operation passing the primary audit, and/or if the remittance frequency of the public welfare fund holder for remittance of the digital assets to the receiver is larger than or equal to a preset frequency threshold value, the digital asset issuer does not pass the secondary audit of the remittance operation;
and if the remittance amount of the digital asset remittance to the receiver of the public interest fund holder is smaller than a first preset amount threshold, and/or if the remittance frequency of the digital asset remittance to the receiver of the public interest fund holder is smaller than a preset frequency threshold, the digital asset issuer passes the secondary verification of the remittance operation.
Further, the step of the digital asset issuer performing secondary audit on the remittance operation passing the primary audit based on the preset audit rule includes:
the digital asset issuer acquires the account type of the payee from the audit record of the one-time audit;
and if the receiver of the public welfare fund holder for digital asset remittance is an overseas account, the digital asset issuer sends the auditing record of one auditing to a preset cross-border remittance management terminal so that the preset cross-border remittance management terminal can audit the validity of the digital asset remittance.
Further, the step of the digital asset issuer performing secondary audit on the remittance operation passing the primary audit based on the preset audit rule includes:
the digital asset issuer acquires the digital asset amount of the equity fund holder and/or the digital asset amount of the remitter from the audit record of the one-time audit;
if the digital asset amount of the public interest fund holder is less than or equal to a second preset amount threshold value and/or the digital asset amount of the remitter is greater than or equal to a third preset amount threshold value, the digital asset issuer does not pass the secondary audit of the remittance operation;
and if the digital asset amount of the public interest fund holder is larger than a second preset amount threshold value and/or the digital asset amount of the remitter is smaller than a third preset amount threshold value, the digital asset issuer passes the secondary audit of the remittance operation.
Further, the step of the digital asset issuer determining whether to allow the money transfer operation based on the secondary audit result includes:
if the second audit is passed, the digital asset issuer permits the money transfer operation;
if the secondary audit fails, the digital asset issuer does not permit the money transfer operation.
Further, the block chain-based public benefit fund supervision method further includes:
if the payee is an enterprise, the primary audit is that the public welfare fund holder performs KYC identity check and/or AML anti-money laundering check on the payee;
and if the payee is an individual, the one-time audit is at least one of name check, identity card number check and biological characteristic check of the public welfare fund holder on the payee.
The specific implementation of the block chain-based public benefits fund supervision device of the present invention is substantially the same as the following embodiments of the block chain-based public benefits fund supervision method, and is not described herein again.
The invention also provides a block chain-based public benefit fund supervision method.
Referring to fig. 2, fig. 2 is a flowchart illustrating a block chain-based public benefit fund supervision method according to a first embodiment of the present invention.
While a logical order is shown in the flow chart, in some cases, the steps shown or described may be performed in an order different than that shown.
The block chain-based public benefit fund supervision method is applied to union chains corresponding to the block chains. A federation chain essentially remains a private chain federation chain that is essentially a private chain but is larger than a private chain developed by a single small organization, but not as large as a public chain, it being understood that it is a blockchain that is intermediate between private and public chains, a federation chain being considered a "partially decentralized" blockchain. A block chain is a chain of blocks, each block having a Hash value of the block recorded thereon in addition to the data of the block, and is thus formed into a chain. The block chain has two core ideas, one is a cryptography technology, the other is a decentralization idea, and based on the two ideas, historical information on the block chain cannot be tampered. A chunk consists of a chunk header and a chunk body, where the chunk header definition includes important fields such as the height of the chunk, the hash value of the last chunk, and the chunk body mainly stores transaction data. The node refers to a network node participating in a blockchain network for transaction and data exchange, each independent organization member can have one or more transaction nodes, and each transaction node is a combination of a group of physical networks, computers, blockchain application software and databases. The nodes are connected with each other by a TCP/IP (Transmission Control Protocol/Internet Protocol ) Protocol.
The public chain is a block chain which can be read and sent by anyone in the world, can be effectively confirmed and can also participate in a consensus process, and provides services for the public.
The private chain refers to a block chain in which all nodes in a network are held in one organization, and provides services for the interior of a specific organization.
In various embodiments of the block chain-based equity fund supervision method, for convenience of description, an executive body is omitted to illustrate the various embodiments. The block chain-based public benefit fund supervision method comprises the following steps:
step S10, in the asset transaction platform based on block chain, the digital asset issuer issues the digital assets of each public interest fund holder and remits the digital assets to each corresponding public interest fund holder;
the fund flow direction and the use condition of the conventional public interest type fund mechanisms are usually not disclosed to the public but are supervised by internal funds, and due to the particularity of fund sources, the result caused by the unsupervised supervision is more serious than the result caused by the unsupervised supervision of other non-public interest type fund mechanisms, for example, the non-transparency of the fund flow direction can cause the distrust of the social public to the public interest type fund mechanisms, the public trust of the public interest type fund mechanisms is reduced, and further the public interest type fund mechanisms cannot effectively absorb the fund recruited by the society.
In order to solve the technical problem that the fund flow direction and the use condition of the public welfare fund are not transparent in the prior art, in the embodiment of the invention, the fund flow direction and the use condition of a public welfare fund holder are recorded in a block chain through an asset transaction platform based on the block chain, so that the fund orientation and the use condition in a public welfare fund mechanism are more transparent.
In the embodiment of the invention, the digital asset issuer and each public welfare fund holder are all accessed into the block chain to become nodes in the block chain. Each node of the block chain adopts a PBFT (physical Byzantine fault tolerance) consensus algorithm or a RAFT algorithm (a distributed consensus algorithm) to achieve consensus, and the consensus achieving condition is determined by the specifically adopted consensus algorithm, which is not described in detail in this embodiment. The nodes of the blockchain collectively confirm transactions in the blockchain, and the transactions in this embodiment refer to circulation and use of digital assets.
In the embodiment of the invention, the digital asset issuer and each public welfare fund holder are connected to the block chain by adopting the same API (Application Programming Interface), so that the problems that different API interfaces exist between the digital asset issuer and each public welfare fund holder in the prior art, different Interface standards are required to be compatible in the data interaction process of the digital asset issuer and each public welfare fund holder in the butt joint process, and the data interaction cost is high are solved, the access efficiency of each node in the access block chain is improved, and the access cost of each node in the access block chain is reduced. In the process of accessing the block chain, the asset transaction platform based on the block chain can provide an open platform interface, and the digital asset issuer and each public service fund holder can be accessed into the block chain through the open platform interface to become a node in the block chain.
In the embodiment of the invention, in the asset transaction platform based on the block chain, the digital asset issuer digitalizes the funds and/or the fixed assets of the equity fund holder, and the equity fund holder actually shows the transfer and the flow of the digital assets when playing the equity function, thereby being more convenient for the digital asset issuer to monitor the equity fund. After the digital asset issuer issues the digital assets of each equity fund holder, the digital assets corresponding to each equity fund holder are remitted to each corresponding equity fund holder.
Further, the above step S10 includes the digital asset issuer obtaining the legal currency holding amount and/or the fixed asset holding amount of each equity fund holder in the blockchain-based asset trading platform; the digital asset issuer exchanges the legal currency and/or fixed assets of the respective equity fund holders for digital assets based on preset exchange rules and the legal currency holding amounts and/or fixed asset holding amounts. Wherein, the digital asset issuer is a central node with authority, such as a national central bank; the preset exchange rule is set by the operation and maintenance staff according to needs, and the embodiment is not particularly limited, for example, the preset exchange rule may be an exchange ratio of legal currency to digital assets, an evaluation value of a fixed asset and an exchange ratio of the fixed asset to the digital assets, and the like.
Step S20, the digital asset issuer carries out secondary audit on the remittance operation passing the primary audit based on the preset audit rule, the primary audit is initiated by the receiver of the remittance operation of the public welfare fund holder on the digital asset, and the audit record of the primary audit is recorded in the block chain account book by the public welfare fund holder;
further, before step S20, the method further includes: the digital asset holder performs a money transfer pre-operation to the transferee, which is an operation that causes the digital asset to flow, when the money transfer operation has not been completed. In this process, the transferor (i.e., the equity fund holder) performs a data audit, i.e., a one-time audit, on the transferee to confirm the validity of the transferee. The content of the first audit is related to the type of the payee, specifically, if the payee is an enterprise, the first audit is that the public welfare fund holder performs KYC (key gravity Customer) check and/or AML (Anti-Money Laundering) check on the payee; if the payee is an individual, the one-time audit is at least one of a name check, an identity card number check and a biological characteristic check of the public welfare fund holder on the payee, wherein the biological characteristic includes but is not limited to one or more of a fingerprint, a face or an iris and the like.
In this embodiment, after the sender (i.e., the equity fund holder) completes one audit on the recipient, the digital asset holder stores an audit record of the one audit in the blockchain account book, and since all records of this embodiment are stored based on the blockchain technology and deeply combine the characteristic of the blockchain that cannot be tampered with, the flow direction and the use condition of the equity fund are more open, transparent and credible, and the digital asset issuer can use the record for the second audit. The audit record includes the specific content of the audit, such as audit time, identity data of the auditor and audited party, remittance frequency, remittance amount, etc.
In order to avoid flattened management and redundancy of audit programs and realize hierarchical management, a digital asset issuer does not perform secondary audit on all remittance operations completing primary audit, but performs secondary audit on remittance operations passing the primary audit only based on preset audit rules, wherein the purpose of the secondary audit is to avoid that a remitter (namely a public welfare fund holder) and a payee are communicated to perform illegal remittance of public welfare fund. The preset auditing rule is set by the operation and maintenance staff according to needs, for example, the digital asset issuer audits account amounts of the transferor and the transferee, the money entering and exiting frequency, the digital asset denomination size, the identity of the transferee, and the like, and the embodiment is not particularly limited.
Further, the secondary audit can also be a digital asset issuer performs a spot check on the remittance operation that the primary audit fails, so as to avoid malicious audit by the equity fund holder.
In step S30, the digital asset issuer determines whether to allow the remittance operation according to the secondary audit result, and records the audit record of the secondary audit in the blockchain ledger.
In this embodiment, after the second audit of the remittance operation is finished, the digital asset issuer determines whether to allow the remittance operation according to the result of the second audit, and the remittance issuer can complete the remittance operation to the remittance receiver only if the remittance operation is allowed by the digital asset issuer. In addition, after the second audit of the money transfer operation is finished, the digital asset issuer records the audit record of the second audit and the operation of the money transfer in the blockchain account book. Wherein, the audit record includes the specific content of audit, for example, the audit record includes but is not limited to audit time, identification data of the auditor and audited party, remittance frequency, remittance amount, etc.; operational records of the money transfer include, but are not limited to, the identity of the transferor, transferee, the amount of the money transfer, etc.
In the embodiment, in the block chain-based asset transaction platform, a digital asset issuer issues digital assets of each equity fund holder and remits the digital assets to each corresponding equity fund holder; the digital asset issuer carries out secondary audit on the remittance operation passing the primary audit based on a preset audit rule, wherein the primary audit is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital asset, and the audit record of the primary audit is recorded in a block chain account book by the public welfare fund holder; and the digital asset issuer determines whether to allow the remittance operation according to the secondary audit result and records the audit record of the secondary audit in a block chain account book. According to the invention, the capital flow direction and the checking condition of the public welfare fund holder are recorded in the block chain through the asset transaction platform based on the block chain, so that the capital orientation and the use condition in the public welfare fund institutions are more open and transparent, the public credibility of the public welfare fund institutions is improved, and the supervision strength of the public welfare fund flow is increased through the double checking of the once checking of the remittee by the remitter and the twice checking of the once checked remittance operation by the digital asset issuer.
Further, a second embodiment of the block chain-based public benefit fund monitoring method according to the present invention is provided, where the step S20 includes:
step S21, the digital asset issuer obtains the remittance amount of the digital asset remittance from the receiver of the public welfare fund holder and/or the remittance frequency of the digital asset remittance from the receiver of the public welfare fund holder from the audit record of the one audit;
step S22, if the remittance amount of the digital asset remittance to the receiver by the equity fund holder is greater than or equal to a first preset amount threshold in the remittance operation passing the one-time audit, and/or if the remittance frequency of the digital asset remittance to the receiver by the equity fund holder is greater than or equal to a preset frequency threshold, the digital asset issuer does not pass the two-time audit on the remittance operation;
step S23, if the remittance amount of the public welfare fund holder performing the digital asset remittance to the receiver is smaller than the first preset amount threshold, and/or if the remittance frequency of the public welfare fund holder performing the digital asset remittance to the receiver is smaller than the preset frequency threshold, the digital asset issuer passes the secondary audit of the remittance operation.
In this embodiment, the audit record of the one-time audit includes a remittance amount of the digital asset remittance to the transferee from the public fund holder, and/or a remittance frequency of the digital asset remittance to the transferee from the public fund holder, where the audit record of the one-time audit is stored in the block chain ledger by the transferor (public fund holder), and when a second audit needs to be performed on the remittance operation, the digital asset issuer acquires the audit record of the one-time audit from the block chain ledger, and then acquires the remittance amount of the remittance from the audit record of the one-time audit, and/or the remittance frequency of the remittance to the transferee.
And then determining whether the secondary audit of the remittance operation is passed according to the remittance amount and the preset amount threshold value and/or the remittance frequency and the preset frequency threshold value. Specifically, if the remittance amount is greater than or equal to a first preset amount threshold, and/or if the remittance frequency of the public welfare fund holding party for remittance of the digital asset to the receiver is greater than or equal to a preset frequency threshold, the secondary audit of the remittance operation is not passed; and if the remittance amount is smaller than the first preset amount threshold value and/or if the remittance frequency of the digital asset remittance to the receiver of the public interest fund holder is smaller than the preset frequency threshold value, the secondary audit of the remittance operation is passed. The operation and maintenance personnel can set the first preset money amount threshold value and the preset frequency threshold value according to the needs, and the embodiment is not particularly limited.
Further, the step S20 includes:
step S201, the digital asset issuer obtains the digital asset amount of the equity fund holder and/or the digital asset amount of the remitter from the audit record of the one-time audit;
step S202, if the amount of the digital assets of the equity fund holder is less than or equal to a second preset amount threshold value, and/or the amount of the digital assets of the remitter is greater than or equal to a third preset amount threshold value, the digital assets issuer does not pass the secondary audit of the remittance operation;
step S203, if the amount of the digital asset of the equity fund holder is greater than a second preset amount threshold, and/or the amount of the digital asset of the transferor is less than a third preset amount threshold, the digital asset issuer passes the secondary audit of the money transfer operation.
In this embodiment, the audit record of the one-time audit may include the amount of the digital asset of the equity fund holder and/or the amount of the digital asset of the transferor, where the audit record of the one-time audit is stored in the block chain ledger by the transferor (equity fund holder), and when a second audit needs to be performed on the remittance operation, the digital asset issuer obtains the audit record of the one-time audit from the block chain ledger, and then obtains the amount of the digital asset of the equity fund holder of the remittance and/or the amount of the digital asset of the transferor from the audit record of the one-time audit.
And then determining whether the secondary audit of the remittance operation is passed or not according to the digital asset amount of the public interest fund holder and the size of the preset amount threshold value and/or the digital asset amount of the remittance party and the size of the preset amount threshold value. Specifically, if the digital asset amount of the equity fund holder is less than or equal to a second preset amount threshold value, and/or the digital asset amount of the remitter is greater than or equal to a third preset amount threshold value, the secondary audit on the remittance operation is not passed; and if the digital asset amount of the public interest fund holder is larger than the second preset amount threshold value and/or the digital asset amount of the remitter is smaller than the third preset amount threshold value, the secondary audit of the remittance operation is passed. The operation and maintenance personnel may set the second preset amount threshold and the third preset amount threshold as needed, and this embodiment is not particularly limited.
Further, the step S20 includes:
step S2001, the digital asset issuer obtains the account type of the payee from the audit record of the one-time audit;
step S2002, if the recipient of the public welfare fund holder who performs the digital asset remittance is an overseas account, the digital asset issuer sends the audit record of the one audit to a preset cross-border remittance management terminal, so that the preset cross-border remittance management terminal can audit the validity of the digital asset remittance.
In this embodiment, the audit record of the one-time audit may further include an account type of the recipient, where the account type includes an overseas account, and the like, and the audit record of the one-time audit is stored in the block chain account book by the remitter (the equity fund holder), and when a second audit needs to be performed on the remittance operation, the digital asset issuer acquires the audit record of the one-time audit from the block chain account book, and then acquires the account type of the recipient of the remittance from the audit record of the one-time audit. And then corresponding operation is executed according to the account type of the payee. Specifically, if the payee is an overseas account, the digital asset issuer sends the audit record of one audit to the preset cross-border remittance management terminal, so that the preset cross-border remittance management terminal can audit the validity of the remittance of the digital asset, and illegal overseas asset transfer and other conditions are avoided; if the payee is an domestic account, the digital asset issuer can perform the auditing according to one or two of the secondary auditing manners.
In the embodiment, the remittance operation passing the primary audit is subjected to secondary audit, so that the condition that the remitter (namely, the equity fund holder) and the payee are communicated to carry out illegal remittance of the equity fund can be avoided, the audit efficiency can be improved, and the redundancy of audit programs can be avoided.
Further, a third embodiment of the block chain-based public benefit fund monitoring method according to the present invention is provided, where the step S30 includes:
step S31, if the second audit is passed, the digital asset issuer allows the remittance operation;
if the secondary audit does not pass, the digital asset issuer does not allow the money transfer operation, step S32.
In this embodiment, the digital asset issuer determines whether to allow the remittance operation according to the result of the secondary audit of the remittance operation, and the remittance party can complete the remittance operation to the remittance party only if the remittance operation is allowed by the digital asset issuer. Specifically, if the second audit is passed, which indicates that the digital asset issuer considers that the remittance operation is legal, the digital asset issuer allows the remittance operation, and the remitter can complete the remittance transaction to the transferee; if the second audit is not passed, the digital asset issuer determines that the remittance operation is illegal, the digital asset issuer does not allow the remittance operation, and the remitter cannot complete the remittance transaction to the transferee.
Further, after the remittance operation is completed, the digital asset issuer or the remitter records the details of the remittance operation in the blockchain book for further supervision by the supervision authority, wherein the details of the remittance operation include remittance time, remitter identity, remittee identity, remittance amount, and the like.
Further, the block chain-based public benefit fund supervision method further includes:
if the payee is an enterprise, the primary audit is that the public welfare fund holder performs KYC identity check and/or AML anti-money laundering check on the payee;
and if the payee is an individual, the one-time audit is at least one of name check, identity card number check and biological characteristic check of the public welfare fund holder on the payee.
In this embodiment, the sender (i.e., the equity fund holder) itself performs a data audit, i.e., a one-time audit, on the recipient to confirm the validity of the recipient. The content of the first audit is related to the type of the payee, specifically, if the payee is an enterprise, the first audit is that the public welfare fund holder performs KYC (next your customer) check and/or AML (Anti-Money Laundering) check on the payee; if the payee is an individual, the one-time audit is at least one of a name check, an identity card number check and a biological characteristic check of the public welfare fund holder on the payee, wherein the biological characteristic includes but is not limited to one or more of a fingerprint, a face or an iris and the like.
Further, in the process of flowing the digital assets from the sender to the receiver, the digital assets are essentially a transfer flow between banks, and the transfer flow between the banks is that the money is gradually circulated to the higher bank from the lower bank, so that the digital assets are circulated to the higher bank from the lower bank, then to the head office, then to the lower bank, and then to the account bank to which the receiver belongs. Each level of circulation involves a check on the data of the sender and the receiver, and the record of each check is broadcasted and stored on the block chain account book.
The invention also provides a block chain-based public benefit fund supervision device.
Referring to fig. 3, fig. 3 is a functional block diagram of a block chain-based public benefits fund supervision apparatus according to a first embodiment of the present invention. The block chain-based public benefit fund supervision device comprises:
an issuing module 10, configured to, in a block chain-based asset transaction platform, issue digital assets of each equity fund holder by a digital asset issuer, and remit the digital assets to each corresponding equity fund holder;
the auditing module 20 is configured to perform secondary auditing on the remittance operation that passes the primary auditing, where the primary auditing is initiated by the payee of the remittance operation of the public welfare fund holder on the digital asset, and the auditing record of the primary auditing is recorded in the block chain ledger book by the public welfare fund holder, based on a preset auditing rule;
and the allowing module 30 is used for determining whether to allow the remittance operation according to the secondary auditing result by the digital asset issuer and recording the secondary auditing result and whether to allow the remittance operation in a block chain account book.
The specific implementation of the block chain-based public benefits fund supervision device of the present invention is substantially the same as the above-mentioned embodiments of the block chain-based public benefits fund supervision method, and is not described herein again.
In addition, the embodiment of the invention also provides a computer readable storage medium.
The block chain based public benefit fund monitor is stored on the computer readable storage medium, and when executed by the processor, the block chain based public benefit fund monitor realizes the steps of the block chain based public benefit fund monitor method.
The specific implementation of the computer-readable storage medium of the present invention is substantially the same as the embodiments of the block chain-based public benefits fund supervision method, and is not described herein again.
The present invention is described in connection with the accompanying drawings, but the present invention is not limited to the above embodiments, which are only illustrative and not restrictive, and those skilled in the art can make various changes without departing from the spirit and scope of the invention as defined by the appended claims, and all changes that come within the meaning and range of equivalency of the specification and drawings that are obvious from the description and the attached claims are intended to be embraced therein.
Claims (10)
1. A block chain-based public benefit fund supervision method is characterized by comprising the following steps:
in a block chain-based asset transaction platform, a digital asset issuer issues digital assets of each equity fund holder and remits the digital assets to each corresponding equity fund holder;
the digital asset issuer carries out secondary audit on the remittance operation passing the primary audit based on a preset audit rule, wherein the primary audit is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital asset, and the audit record of the primary audit is recorded in a block chain account book by the public welfare fund holder;
and the digital asset issuer determines whether to allow the remittance operation according to the secondary audit result and records the audit record of the secondary audit in a block chain account book.
2. The block chain-based equity fund supervision method according to claim 1, wherein said step of a digital asset issuer issuing digital assets of respective equity fund holders in a block chain-based asset trading platform comprises:
in a blockchain-based asset trading platform, the digital asset issuer obtains legal monetary holdings and/or fixed asset holdings of individual equity fund holders;
the digital asset issuer exchanges the legal currency and/or fixed assets of the respective equity fund holders for digital assets based on preset exchange rules and the legal currency holding amounts and/or fixed asset holding amounts.
3. The block chain-based commonweal fund supervision method according to claim 1, wherein the step of performing secondary audit on remittance operation passed by the primary audit by the digital asset issuer based on preset audit rules comprises:
the digital asset issuer obtains the remittance amount of the digital asset remittance from the checking record of the one-time checking by the public welfare fund holder to the receiver and/or the remittance frequency of the digital asset remittance from the public welfare fund holder to the receiver;
if the remittance amount of the public welfare fund holder for remittance of the digital assets to the receiver is larger than or equal to a first preset amount threshold value in the remittance operation passing the primary audit, and/or if the remittance frequency of the public welfare fund holder for remittance of the digital assets to the receiver is larger than or equal to a preset frequency threshold value, the digital asset issuer does not pass the secondary audit of the remittance operation;
and if the remittance amount of the digital asset remittance to the receiver of the public interest fund holder is smaller than a first preset amount threshold, and/or if the remittance frequency of the digital asset remittance to the receiver of the public interest fund holder is smaller than a preset frequency threshold, the digital asset issuer passes the secondary verification of the remittance operation.
4. The block chain-based commonweal fund supervision method according to claim 1, wherein the step of performing secondary audit on remittance operation passed by the primary audit by the digital asset issuer based on preset audit rules comprises:
the digital asset issuer acquires the account type of the payee from the audit record of the one-time audit;
and if the receiver of the public welfare fund holder for digital asset remittance is an overseas account, the digital asset issuer sends the auditing record of one auditing to a preset cross-border remittance management terminal so that the preset cross-border remittance management terminal can audit the validity of the digital asset remittance.
5. The block chain-based commonweal fund supervision method according to claim 1, wherein the step of performing secondary audit on remittance operation passed by the primary audit by the digital asset issuer based on preset audit rules comprises:
the digital asset issuer acquires the digital asset amount of the equity fund holder and/or the digital asset amount of the remitter from the audit record of the one-time audit;
if the digital asset amount of the public interest fund holder is less than or equal to a second preset amount threshold value and/or the digital asset amount of the remitter is greater than or equal to a third preset amount threshold value, the digital asset issuer does not pass the secondary audit of the remittance operation;
and if the digital asset amount of the public interest fund holder is larger than a second preset amount threshold value and/or the digital asset amount of the remitter is smaller than a third preset amount threshold value, the digital asset issuer passes the secondary audit of the remittance operation.
6. The block chain-based equity fund supervision method according to claim 1, wherein said step of said digital asset issuer determining whether to allow said money transfer operation based on secondary audit results comprises:
if the second audit is passed, the digital asset issuer permits the money transfer operation;
if the secondary audit fails, the digital asset issuer does not permit the money transfer operation.
7. The blockchain-based public interest fund supervision method according to any one of claims 1 to 6, wherein the blockchain-based public interest fund supervision method further comprises:
if the payee is an enterprise, the primary audit is that the public welfare fund holder performs KYC identity check and/or AML anti-money laundering check on the payee;
and if the payee is an individual, the one-time audit is at least one of name check, identity card number check and biological characteristic check of the public welfare fund holder on the payee.
8. A block chain-based public benefit fund supervision apparatus, wherein the block chain-based public benefit fund supervision apparatus comprises:
the issuing module is used for issuing the digital assets of each public welfare fund holder by a digital asset issuer in the asset transaction platform based on the block chain and remitting the digital assets to each corresponding public welfare fund holder;
the auditing module is used for the digital asset issuer to carry out secondary auditing on remittance operation passing the primary auditing based on preset auditing rules, wherein the primary auditing is initiated by a receiver of the remittance operation of the public welfare fund holder on the digital assets, and the auditing record of the primary auditing is recorded in a block chain account book by the public welfare fund holder;
and the permission module is used for determining whether to permit the remittance operation according to the secondary audit result and recording the secondary audit result and whether to permit the remittance operation in a block chain account book.
9. A blockchain-based public benefit fund supervision device, the blockchain-based public benefit fund supervision device comprising a memory, a processor and a blockchain-based public benefit fund supervisor stored on the memory and executable on the processor, the blockchain-based public benefit fund supervisor implementing the steps of the blockchain-based public benefit fund supervision method according to any one of claims 1-7 when executed by the processor.
10. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a blockchain-based public interest fund supervisor, which when executed by a processor, implements the steps of the blockchain-based public interest fund supervision method according to any one of claims 1-7.
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