CN111275442A - Block chain-based chain uploading public method for financial product fund use condition - Google Patents
Block chain-based chain uploading public method for financial product fund use condition Download PDFInfo
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- CN111275442A CN111275442A CN202010067818.0A CN202010067818A CN111275442A CN 111275442 A CN111275442 A CN 111275442A CN 202010067818 A CN202010067818 A CN 202010067818A CN 111275442 A CN111275442 A CN 111275442A
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Abstract
The invention discloses a block chain-based financial product fund use condition uplink display method, which comprises the following steps of: setting a unique block chain account, a bank account and a unique identity code for the financial product; configuring a related management account for a blockchain account of the financial product; a fund manager initiates a multi-signature transaction to a block chain account of the financial product, and each related management account carries out signature, packaging and chaining and generates a hash value; the financial department initiates payment operation through a bank account of a financial product, records a hash value in a transfer postscript column, and queries whether payment information in the hash value is completely consistent with the bank payment transaction by using a trusted API (application program interface); when a bank account of the financial product is deposited with a certain investment income, the bank initiates a chain transaction containing income information to a block chain account of the financial product; and the user who purchases the financial product inquires the expenditure and income details of the financial product on the chain.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based method for displaying the chain on the fund use condition of a financial product.
Background
The increasing demand for financing has prompted the release of a large number of financing products into the market. However, after the market is prosperous, the risk events in the financial product occur frequently, so that the problems of insufficient information disclosure of the financial product which is always suffered from scaling and the like are raised again while the development of the whole bank financial industry is affected little by negative effect.
It is worth noting that in response to the problem, the supervision department has long introduced a national banking information registration system, and strives to enhance the information disclosure degree of the supervision department by the institution. However, for investors, the information disclosure condition of the financial products is still unsatisfactory, and the transparency of the investment process is low, so that the benefits of the investors are not guaranteed.
Disclosure of Invention
In order to solve the problems, the invention provides a block chain-based method for displaying the chain public according to the fund use condition of a financial product.
The invention adopts the following technical scheme:
a block chain-based method for displaying the chain on the use condition of the financing product funds comprises the following steps:
s1, before issuing a financial product, a financial institution sets a unique blockchain account, a bank account and a unique identity code for the financial product, the financial institution pays a guarantee money to a legal money receiving node and submits a contract element of the financial product, after the legal money receiving node confirms that the guarantee money is received, the legal money receiving node submits a corresponding financial contract transaction to an auditing node, after the auditing node signs the financial contract transaction, an electronic financial contract is successfully registered and is synchronized to the blockchain, and the electronic contract comprises necessary basic information to be revealed by the financial product;
s2, configuring a related management account for the blockchain account of the financial product, wherein the related management account is composed of a plurality of blockchain accounts and comprises a fund manager, a wind control system and a financial audit;
s3, when the fund manager uses the bank account of the financial product to transfer the investment, the fund manager uses the blockchain account to initiate multiple transactions to the blockchain account of the financial product, each related management account signs the multiple transactions, and the multiple transaction information is packaged and linked up to generate a hash value corresponding to the multiple transactions;
s4, the financial department initiates payment operation through a bank account of the financial product, records a hash value in a transfer postscript column, and inquires whether payment information in the hash value is completely consistent with the bank payment transaction by using a credible API (application program interface), if so, the bank releases the payment and completes payment;
s5, when the bank account of the financing product deposits a certain investment income, the bank initiates a chain transaction containing income information to the block chain account of the financing product;
and S6, the user purchasing the financial product inquires the expenditure and income details of the financial product on the chain.
Preferably, the recipient of the multi-sign transaction in step S3 is a blockchain account of the bank, and the information included in the multi-sign transaction includes the transfer amount, the receiving account address, the receiver and the fund usage.
Preferably, the necessary basic information includes period, expected annualization, risk type, fund manager, and closing period.
Preferably, the income information includes a name of the transfer person and a transfer amount.
After adopting the technical scheme, compared with the background technology, the invention has the following advantages:
the invention records all expenses and incomes of the financing product on a chain, improves the transparency of the financing investment process, practically standardizes the investment operation of a financing mechanism and is beneficial to ensuring the legal rights and interests of investors.
Drawings
FIG. 1 is a schematic flow chart of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Examples
Referring to fig. 1, the invention discloses a block chain-based method for displaying the chain public in the fund use condition of a financial product, which comprises the following steps:
s1, before the financial institution issues the financial product, setting a unique blockchain account, a bank account and a unique identity code for the financial product. The financial institution pays a security deposit to the legal currency receiving node and submits the contract elements of the financial product, the legal currency receiving node submits corresponding financial contract transaction to the auditing node after confirming the receipt of the security deposit, and the auditing node signs the financial contract transaction, and the electronic financial contract is successfully registered and is synchronized to the block chain. The electronic contract contains essential basic information that the financial product should disclose, including the period, expected annualization, risk type, fund manager, and closing period.
S2, configuring a related management account for the blockchain account of the financial product, wherein the related management account is composed of a plurality of blockchain accounts and comprises a fund manager, a wind control and financial auditing.
S3, when the fund manager uses the bank account of the financing product to transfer the investment, the fund manager uses the blockchain account to initiate a multi-signature transaction to the blockchain account of the financing product, and the blockchain account of the financing product generates a payment request and records the payment request on the chain. And each related management account signs the multiple transactions, packages and chains the multiple-signature transaction information, and generates a hash value corresponding to the multiple-signature transaction. The receiver of the multi-sign transaction is a block chain account of the bank, and the information contained in the multi-sign transaction comprises transfer amount, a receiving account address, a receiver and fund use. It should be noted that the multi-sign transaction only involves information transmission, and the recipient of the information is a blockchain account of the bank and does not involve transfer of digital assets in the chain.
S4, the financial department initiates payment operation through a bank account of the financial product, records a hash value in a transfer postscript column, and the bank inquires whether the payment information in the hash value is completely consistent with the bank payment transaction by using the trusted API, if so, the bank passes the payment and completes the payment.
S5, when the bank account of the financing product deposits a certain investment income, the bank initiates a chain transaction containing income information to the blockchain account of the financing product. The income information includes the name of the transfer person and the transfer amount.
And S6, the user purchasing the financial product inquires the expenditure and income details of the financial product on the chain.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (4)
1. A block chain-based method for displaying the chain usage of the financing product funds is characterized by comprising the following steps:
s1, before issuing a financial product, a financial institution sets a unique blockchain account, a bank account and a unique identity code for the financial product, the financial institution pays a guarantee money to a legal money receiving node and submits a contract element of the financial product, after confirming that the guarantee money is received by the legal money receiving node, the legal money receiving node submits a corresponding financial contract transaction to an auditing node, after signing the financial contract transaction by the auditing node, an electronic financial contract is successfully registered and is synchronized to the blockchain, and the electronic contract contains necessary basic information to be revealed by the financial product;
s2, configuring a related management account for the blockchain account of the financial product, wherein the related management account is composed of a plurality of blockchain accounts and comprises a fund manager, a wind control system and a financial audit;
s3, when the fund manager uses the bank account of the financial product to transfer the investment, the fund manager uses the blockchain account to initiate multiple transactions to the blockchain account of the financial product, each related management account signs the multiple transactions, and the multiple transaction information is packaged and linked up to generate a hash value corresponding to the multiple transactions;
s4, the financial department initiates payment operation through a bank account of the financial product, records a hash value in a transfer postscript column, and inquires whether payment information in the hash value is completely consistent with the bank payment transaction by using a credible API (application program interface), if so, the bank releases the payment and completes payment;
s5, when the bank account of the financing product deposits a certain investment income, the bank initiates a chain transaction containing income information to the block chain account of the financing product;
and S6, the user purchasing the financial product inquires the expenditure and income details of the financial product on the chain.
2. The method for block-chain-based uplink publicity on the fund usage of financial products according to claim 1, wherein the recipient of the multi-sign transaction in step S3 is a block-chain account of the bank, and the multi-sign transaction includes information including the transfer amount, the receiving account address, the receiver and the fund usage.
3. The block chain-based method for reporting uplink public accounts on financial product fund usage according to claim 1, wherein: the necessary basic information includes period, expected annualization, risk type, fund manager, and closing period.
4. The block chain-based method for reporting uplink public accounts on financial product fund usage according to claim 1, wherein: the income information includes a transfer name and a transfer amount.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010067818.0A CN111275442A (en) | 2020-01-20 | 2020-01-20 | Block chain-based chain uploading public method for financial product fund use condition |
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| CN202010067818.0A CN111275442A (en) | 2020-01-20 | 2020-01-20 | Block chain-based chain uploading public method for financial product fund use condition |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
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| CN109214926A (en) * | 2018-08-22 | 2019-01-15 | 泰康保险集团股份有限公司 | Finance product recommended method, device, medium and electronic equipment based on block chain |
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- 2020-01-20 CN CN202010067818.0A patent/CN111275442A/en active Pending
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| WO2018006056A1 (en) * | 2016-07-01 | 2018-01-04 | Wells Fargo Bank, N.A. | International trade finance blockchain system |
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| CN108830686A (en) * | 2018-06-08 | 2018-11-16 | 中链科技有限公司 | A kind of assets information processing method and server based on block chain |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| 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 |
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Effective date of registration: 20200812 Address after: 361000 Fujian province Xiamen software park two sunrise Road No. 18 Room 502 Applicant after: YLZ INFORMATION TECHNOLOGY Co.,Ltd. Applicant after: Xiamen Wanshi Shunyi Technology Co.,Ltd. Address before: Room 404, No.21, erwanghai Road, software park, Xiamen City, Fujian Province Applicant before: Xiamen shunshi consensus information technology Co.,Ltd. |
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