CN111369245A - Alliance chain system for financial product sales - Google Patents
Alliance chain system for financial product sales Download PDFInfo
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- CN111369245A CN111369245A CN202010129251.5A CN202010129251A CN111369245A CN 111369245 A CN111369245 A CN 111369245A CN 202010129251 A CN202010129251 A CN 202010129251A CN 111369245 A CN111369245 A CN 111369245A
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Abstract
The invention discloses a alliance chain system for the sale of financial products, which comprises: (1) a financial product sales platform based on the block chain; (2) a financial product basic information management module; (3) a financial product transaction recording module; (4) and the financial product is a cross-institution real-time transaction module. The financial product sale method based on the alliance chain realizes asset intercommunication by utilizing a structure of an alliance chain decentralization mode; the method for identity authentication and authority management based on the alliance chain greatly reduces the cost and time for reading and writing at different places and simultaneously ensures the transaction authority; the asset right determination and cross-chain intercommunication are realized, and the asset transfer among various asset chains can be realized; the method has the advantages that a simpler communication service with higher efficiency is provided, active supervision is realized, the supervision node actively synchronizes alliance network transaction data, the efficiency of financial product sales can be improved, the processing time is shortened, the transparency is increased, and the cost is reduced; based on the alliance chain privacy data technology, the transaction safety of the financial product is ensured.
Description
Technical Field
The invention belongs to the technical field of block chain application, and particularly relates to a alliance chain system for financial product sales.
Background
The development of the Chinese consumer market is gradually becoming the most key seed power for pulling the national economy to grow. Due to rapid market growth and support of national policies, the cost of the internet and emerging internet venture companies is a big factor for restricting the development of internet consumption finance, and compared with a traditional bank, a large number of novel internet consumption financial institutions do not have fund sources of deposit ends, so that the high loan cost becomes a first factor for restricting the business development of the novel internet consumption financial institutions. At present, each bank has a self-operated financing product and a self-operated client, respective information islands are formed, and the problems that part of bank financing products are excessive and client funds are insufficient, and client funds are abundant and financing products are poor exist.
Although the above factors are limited, the securitization of assets still becomes an important engine for the development of consumption finance, and the financial management products of the securitization of assets open a road for the financing of consumption financial business by the standard product structure and issuing process and the structured financial management product design. However, compared with the financial service with mature foreign markets, the financial service of domestic banks is relatively blank, and from the aspects of business and data, the financial service has a plurality of pain problems. When a traditional financial product is sold, the problems of difficult butt joint of capital ends, low data transfer efficiency and the like generally exist, and the efficient sale and the high-efficiency sale of the financial product cannot be met. The block chain technology is applied in the financial field and has increasingly large influence on the financial technology, the cost of the financial product selling process can be reduced by using the block chain technology, and the efficiency of the financial product selling is improved. The blockchain is essentially a collective term for several technical solutions, including peer-to-peer network transmission protocols, encryption algorithms, distributed consensus mechanisms, and intelligent contracts.
The alliance chain, also called alliance block chain, refers to a block chain which is established by a specific organization or an individual, a plurality of nodes jointly permitted in the group are used as bookkeepers, a consensus rule is formulated to finish block output, other access nodes can send transactions, only limited inquiry can be carried out, and the block chain does not participate in the consensus process. The alliance chain adopts a multi-center mode, sets authority and control, and provides simpler and more efficient consensus service.
Generally, in the process of executing a transaction in a federation chain, for example, the transaction processing flow is as follows: after the alliance chain is normally started, a user generates files such as a legal identity certificate, a signature private key and the like from an authentication node or through a tool based on a user (client) node to obtain a legal node identity, and the user enters a network after authentication, so that the user can normally send a transaction to the network to request processing. (1) The user node sends a signature proposal message to the endorsement node for processing; (2) the endorsement node simulates and executes a transaction proposal and signs an endorsement; (3) the endorsement node returns a proposal response message to the client and distributes a private data plaintext; (4) the user node processes the proposal response message; (5) sending transaction data to a sequencing node to request sequencing; (6) the sequencing node sequences the transactions and constructs a new block; (7) the main node requests the sequencing node to send a channel account book block; (8) the accounting node verifies the transaction and submits an account book; (9) the main node distributes data and synchronizes the state; (10) the accounting node validates the transaction and submits the ledger.
The digital bill transaction platform built by 2016 central bank and trial commercial bank is successfully operated, and the landing of digital currency in digital bill application is displayed. Since the vast majority of the cash stock market office logistics costs (both human and IT) are associated with manual reconciliation of conflicting data, blockchains can achieve maximized direct cost savings in this area and require lower capital requirements, in addition to reducing the explicit costs related to clearing settlement, blockchains can also achieve substantial economic savings by reducing clearing house capital requirements.
Therefore, the application of financial technologies such as block chains and the like can make the distribution and sale process of products in the financial industry more efficient, convenient and transparent.
Disclosure of Invention
Based on the background and the problems in the prior art, the invention aims to design a alliance chain system for selling financial products, which can realize the digitization of the selling process of the financial products. The invention realizes asset intercommunication by a mode of removing the center from the alliance chain, greatly reduces the cost and time of reading and writing at different places, provides a simpler communication service with higher efficiency, and can realize the improvement of the efficiency of selling financial products, the shortening of the processing time, the increase of the transparency, the reduction of the cost and the guarantee of the safety. To achieve these objects and other advantages and in accordance with the purpose of the invention, as embodied and broadly described herein, a federation chain system for the sale of financial products is provided, the sale and sale process of financial products of the invention being based on the architecture of the federation chain, with each department or organization acting as an organization or node on the federation chain. The components comprise:
(1) the financial product sales platform based on the alliance chain comprises a financial product full life cycle management system, an information real-time synchronization system, a fund real-time settlement system, a real-time supervision system, a client, a cause center and a registration clearing center;
(2) the financial product basic information management module comprises a financial client of a bank and the identity authentication management, a representative mark and associated information management of a financial product;
(3) the financial product transaction recording module: the method comprises the steps of connecting an asset end and a fund end to realize a financing product consignment mode;
(4) the financial product cross-organization real-time transaction module comprises a monitoring center, a product center, a cause center and a client.
Preferably, in the financial product sales platform based on the alliance chain, organizations maintain the functions among the modules together; the client is used for discovering, creating and reporting financial products and executing the functions of sale and issue; the enterprise center is used for pricing, scheduling, product forecasting, listing issuing and selling after receiving the financial product issuing notice, and sending the selling notice to the registration clearing institution; the registration clearing center is used for drawing money after the listing and the issuing; the tissues also included are as follows:
1.1 authentication center for issuing and verifying certificate of each node of alliance chain;
1.2, the product center is used for managing and releasing information of all financial products;
1.3, the exchange center is used for generating a clearing voucher for purchasing a financing product, ensuring that the transaction is completed on a alliance chain and avoiding the condition of separately delivering and receiving funds;
1.4, the matching center is realized by adopting a fixed intelligent contract, sorts the transactions and constructs a new block for matching the transactions and assisting the transaction parties to realize real-time delivery and receipt;
and 1.5, the supervision node is accessed into the alliance chain ledger book, actively synchronizes alliance network transaction data, checks the transactions among all financial institutions in real time, correspondingly develops monitoring software by combining user ledger book data reported by all the institutions on the basis of real transaction data, and ensures that all the transactions meet supervision regulations.
Further, the step financial product basic information management module comprises:
2.1 financing authentication, managing through a client, revealing basic asset monitoring project information after project evaluation, collecting and analyzing conventional and special inspection information, and processing other matters by an early warning machine;
and 2.2, managing and transferring the funds, monitoring the funds to a registration clearing center after monitoring the basic assets, completing the clearing by a registration clearing department, and further performing early redemption and settlement.
Preferably, in the step (3), the asset end includes: the financial product is output, the sales records are synchronous, the financial product is paid in advance, and the return payment records are synchronous; and the fund side comprises financial product import, agent sales, agent cash payment and fund settlement.
Preferably, the step (4) includes:
3.1, importing financial products, including pricing and scheduling by an enterprise center, submitting a branding material application by the product center, and simultaneously issuing a product pre-sale message to a client by the enterprise center and forecasting the product;
3.2 putting the financial product on shelf, submitting the card hanging material application submitted by the product center to the client by the career center;
3.3 the financing product is sold instead, and the client organizes the listing to issue the financing product which needs to be sold or sold instead;
3.4, the sales records are synchronized, and the business center and the client carry out sales or sales activities;
3.5 the financing product is exchanged and paid in agency, money transfer after the registration and clearing center realizes listing and issuing is realized, and financing information is synchronized to the basic information management module of the financing product.
Further, it is used for agreeing on the work authority on the alliance chain to ensure that the data writing and the work flow are normally carried out, including: the product center agrees to the sale of the financing product, requests endorsement of the signature of the financing product label, provides a monitoring center with full-tone initial review intention, the monitoring center performs comprehensive arrangement to provide comprehensive initial review opinions, returns a request message to the product center, issues a product review notice, performs review by the authentication center, issues a meeting approval by the monitoring center and the registration clearing center, orders the financing product by the monitoring center, packs and writes data information of the financing product into a block chain by the registration clearing center, and then delivers the data to the monitoring center for verification, review and submits an account book.
Further, the federation chain system introduces a privacy encryption method module to update the encrypted and decrypted key in real time, and the operation method of updating the key further includes: and shifting, bitwise AND, bitwise XOR and the like are carried out or parameters are changed in the same encryption algorithm to update the key. After the related nodes of the business center simulate and execute issuing of the financial product proposal, the simulation execution result is checked, under the condition that a legal private data read-write set exists, a scattered private data method of a message module is called, the private data is distributed to the related nodes of the business center, a supervision center and a product center authorized in a channel, and the financial product data is stored in local cache private data.
Additional advantages, objects, and features of the invention will be set forth in part in the description which follows and in part will become apparent to those having ordinary skill in the art upon examination of the following or may be learned from practice of the invention. The invention realizes the digitization of the financial product sale process by adopting the alliance chain technology based on the above, and at least has the following beneficial effects:
1. by utilizing the advantages of decentralization of the alliance chain, the monopoly pressure is reduced, and the transparency is increased;
2. the data sharing among all parties participating in the issuing link is effectively carried out by utilizing the consensus algorithm, the tamper resistance and the distributed technology of the alliance chain, so that the data transfer efficiency is improved, the cost is reduced, and the safety is ensured;
3. based on the intelligent contract of the block chain, the efficiency of the financial product sale is improved, and the processing time is shortened;
4. and the encryption and decryption keys are updated in real time, so that the safety of the financial product in the transaction process is ensured.
Drawings
FIG. 1 is a schematic diagram of a federation chain architecture for the sale of financial products;
FIG. 2 is an architecture diagram of the present invention for implementing financial product transactions (sales and outlets);
fig. 3 is a flow chart of financial product sales and affiliation based on a financial product alliance chain system.
Detailed Description
In order to clearly illustrate the present invention and make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention are clearly and completely described below with reference to the drawings in the embodiments of the present invention, so that those skilled in the art can implement the technical solutions in reference to the description text. The technology of the present invention will be described in detail below with reference to the accompanying drawings in conjunction with specific embodiments.
1. FIG. 1 illustrates a federation chain system architecture for a financial product in accordance with one implementation of the present invention, the sales and distribution process for a financial product of the present invention being based on the architecture of the federation chain, with each department or enterprise acting as an organization or node on the federation chain. The composition comprises:
(1) the financial product sales platform based on the alliance chain comprises a financial product full life cycle management system, an information real-time synchronization system, a fund real-time settlement system, a real-time supervision system, a client, an enterprise center and a registration clearing center, realizes the full life cycle of the financial product, the real-time synchronization of information, the real-time settlement of client funds and the real-time supervision, and is used for organizing the issuing and auditing of planning projects, and can be explained as a transaction platform realized through the alliance chain;
(2) the financial product basic information management module comprises a financial client of a bank and the identity authentication management, a representative mark and associated information management of a financial product, deploys a alliance chain contract and makes a related strategy according to a financial product sales system, deploys a financial product sales flow based on an alliance chain, is used for realizing the financial product sales at an interface of the alliance chain and determining the butt joint of tasks and functions among different institutions, and can be explained as realizing the affairs by adjusting corresponding interfaces through the alliance chain;
(3) the financial product transaction recording module comprises a connection asset end and a fund end and realizes a financial product consignment mode; designing a consensus algorithm among nodes, wherein the consensus algorithm is used for achieving consensus on work authorities on a alliance chain so as to ensure that data writing and work flow are normally carried out, and nodes in a system adopt the consensus algorithm to transmit messages;
(4) the financial product cross-organization real-time transaction module comprises a monitoring center, a product center, a cause center and a client.
The alliance chain system for financial product sales is realized in a multi-center mode through an alliance chain, the nodes of the participants are set in advance, are organized and completed through intelligent contracts and relevant strategies, are confirmed through a consensus mechanism, and the safety of establishment among alliances is ensured through an encryption mode.
After the alliance chain is initialized and started, installing chain codes for realizing intelligent contracts, calling related chain code functions for instantiation, calling the chain codes for realizing the intelligent contracts according to actual scenes after the chain codes are deployed, and finishing intelligent contract deployment of the alliance chain after the chain codes are determined to normally run by inquiring chain code information. The process of deploying the intelligent contracts comprises the formulation of an endorsement strategy, an instantiation strategy and a channel management strategy. In the financial product sales platform based on the alliance chain, all organizations maintain the functions among all modules together. The client is used for discovering, creating and reporting financial products and executing the functions of sales and distribution. And the business center is used for pricing, scheduling, product forecasting, listing issuing and selling after receiving the financial product issuing notice, and sending the selling notice to the registration clearing institution. And the registration clearing center is used for drawing money after the listing is issued. The financial product sales platform based on the alliance chain further comprises:
1.1 authentication center for issuing and verifying certificate of each node of alliance chain;
1.2 the product center is used for managing and releasing the information of all financial products. Data such as product code, profitability, contracts, equity, announcements, etc.;
1.3, the exchange center generates a clearing voucher for purchasing a financing product, ensures that the transaction is completed on a alliance chain and avoids the condition of separately delivering and receiving funds;
1.4, the matching center is realized by adopting a fixed intelligent contract, sorts the transactions and constructs a new block for matching the transactions and assisting the transaction parties to realize real-time delivery and receipt;
1.5, the supervision center accesses the supervision node into the alliance chain ledger, the supervision node actively synchronizes the alliance network transaction data, checks the transactions among all financial institutions in real time, correspondingly develops monitoring software by combining the ledger data for users reported by all the institutions on the basis of real transaction data, and ensures that all the transactions meet supervision regulations.
2. Figure 2 illustrates an architecture diagram showing the invention implementing a financial product transaction (sale and sale) in accordance with one implementation of the invention. The use of this scheme has the advantage of efficiently interfacing with the corresponding interfaces of the federation chain. Also, this manner is merely an illustration of a preferred example, but not limited thereto. When the method and the device are implemented, implementation modes of different scenes can be processed according to the requirements of users. The step financial product basic information management module comprises:
2.1 financing authentication, managing through a client, revealing basic asset monitoring project information after project evaluation, collecting and analyzing conventional and special inspection information, and processing other matters by an early warning machine;
and 2.2, managing and transferring the funds, monitoring the funds to a registration clearing center after monitoring the basic assets, completing the clearing by a registration clearing department, and further performing early redemption and settlement.
The client and the cause center release and comprehensively manage the products corresponding to the process of processing the affairs in the alliance chain; the enterprise center, the supervision center and the product center carry out endorsement, audit and bookkeeping on the chain establishment items of the financial products; the supervision center, the exchange center and the registration clearing center carry out sequencing, consensus, transaction and block output of standing items on the chain of the financial products.
In the financial product transaction record module, the asset end comprises: the financial product is output, the sales records are synchronous, the financial product is paid in advance, and the return payment records are synchronous; and the fund side comprises financial product import, agent sales, agent cash payment and fund settlement.
The financial product cross-institution real-time transaction module comprises:
3.1, importing financial products, including pricing and scheduling by an enterprise center, submitting a branding material application by the product center, and simultaneously issuing a product pre-sale message to a client by the enterprise center and forecasting the product;
3.2 putting the financial product on shelf, submitting the card hanging material application submitted by the product center to the client by the career center;
3.3 the financing product is sold instead, and the client organizes the listing to issue the financing product which needs to be sold or sold instead;
3.4 the sales records are synchronized, and the sales or the sales activities are carried out by the business center and the client;
3.5 the financing product is exchanged and paid in agency, money transfer after the registration and clearing center realizes listing and issuing is realized, and financing information is synchronized to the basic information management module of the financing product.
3. Figure 3 illustrates a flow chart for financial product sales and brokerage based on the financial product federation chain system. The alliance chain system achieves consensus on work authority on an alliance chain so as to guarantee normal operation of data writing and work circulation, and the alliance chain system comprises the following steps: the product center agrees to the sale of the financing product, requests endorsement of the signature of the financing product label, provides a monitoring center with full-tone initial review intention, the monitoring center performs comprehensive arrangement to provide comprehensive initial review opinions, returns a request message to the product center, issues a product review notice, is authenticated by the authentication center, is issued to be signed and checked by the monitoring center and the registration clearing center, is used for sequencing the financing product, is used for packaging and writing the data information of the financing product into a block chain, and is then submitted to the monitoring center for verification and checking and submitting an account book.
The alliance chain system introduces a privacy encryption method module, updates the encryption and decryption keys in real time, and the key updating operation method further comprises the following steps: and shifting, bitwise AND, bitwise XOR and the like are carried out or parameters are changed in the same encryption algorithm to update the key. For example, N algorithms for updating key encryption are set, namely at least 3 encryption methods are used, automatic encryption of the key is realized by using an intelligent contract of a block chain, one encryption algorithm is randomly selected from the encryption algorithms to encrypt the key, and under the condition that the key is encrypted, the security of the key is further ensured by randomly selecting the key encryption algorithm. After the related nodes of the business center simulate and execute issuing of the financial product proposal, the simulation execution result is checked, under the condition that a legal private data read-write set exists, a scattered private data method of a message module is called, the private data is distributed to the related nodes of the business center authorized in a channel, a supervision center and a product center, and the financial product data is stored in local cache private data.
The client, the cause center, the authentication center, the product center, the exchange center, the matching center, the supervision center and the registration clearing center correspond to all organizations on the alliance chain, and corresponding nodes are distributed to cooperate with the intelligent contract to realize corresponding functions; and the node operation is limited by the role control and authority control information on the alliance chain, the related nodes can read the role control and authority control information to ensure that the work of the nodes is legal, the circulation information is written when the work of the nodes is finished, and the whole alliance chain carries out role control and authority control authentication.
The number of modules and the processing scale described herein are intended to simplify the description of the invention. Applications, modifications and variations of the release audit of the federation chain-based financial product of the present invention will be apparent to those skilled in the art. As described above, according to the present invention, due to effective mechanisms such as encryption, consensus, supervision, etc. based on the federation chain, the sales process of the financial product of the present invention has the effects of high data transfer efficiency, high transparency, etc.
The embodiments described above are presented to enable a person having ordinary skill in the art to make and use the invention. It will be readily apparent to those skilled in the art that various modifications to the above-described embodiments may be made, and the generic principles defined herein may be applied to other embodiments without the use of inventive faculty. Therefore, the present invention is not limited to the above embodiments, and those skilled in the art should make improvements and modifications to the present invention based on the disclosure of the present invention within the protection scope of the present invention.
Claims (7)
1. A alliance chain system for financial product sales is characterized in that the sales and commission processes of financial products are completed based on an alliance chain architecture, authority management is achieved, and a privacy encryption method module is arranged; each department or organization acts as an organization or node on the federation chain; the components comprise:
(1) the financial product sales platform based on the alliance chain comprises a financial product full life cycle management system, an information real-time synchronization system, a fund real-time settlement system, a real-time supervision system, a client, a cause center and a registration clearing center;
(2) the financial product basic information management module comprises the basic information of financial clients and financial products of a bank, identity authentication and management, a representative mark and associated information management;
(3) the financial product transaction recording module comprises a connection asset end and a fund end and realizes a financial product consignment mode;
(4) the financial product cross-organization real-time transaction module comprises a monitoring center, a product center, a cause center and a client.
2. The alliance chain system for financial product sales of claim 1 wherein in the alliance chain based financial product sales platform, organizations maintain functions between modules together; the client is used for discovering, creating and reporting financial products and executing the functions of sale and issue; the enterprise center is used for pricing, scheduling, product forecasting, listing issuing and selling after receiving the financial product issuing notice, and sending the selling notice to the registration clearing institution; the registration clearing center is used for drawing money after the listing and the issuing; the tissues also included are as follows:
1.1 authentication center for issuing and verifying certificate of each node of alliance chain;
1.2, the product center is used for managing and releasing information of all financial products;
1.3 the exchange center generates a clearing voucher for purchasing a financing product, and ensures that the transaction is completed on a alliance chain;
1.4, the matching center is realized by adopting a fixed intelligent contract, sorts the transactions and constructs a new block for matching the transactions and assisting the transaction parties to realize real-time delivery and receipt;
1.5, the supervision center accesses the supervision node into the alliance chain ledger, the supervision node actively synchronizes the alliance network transaction data, checks the transactions among all financial institutions in real time, correspondingly develops monitoring software by combining the ledger data for users reported by all the institutions on the basis of real transaction data, and ensures that all the transactions meet supervision regulations.
3. The federation chain system for the sale of financial products of claim 1, wherein the financial product base information management module further comprises:
2.1 financing authentication, managing through a client, revealing basic asset monitoring project information after project evaluation, collecting and analyzing conventional and special inspection information, and processing other matters by an early warning machine;
and 2.2, managing and transferring the funds, monitoring the funds to a registration clearing center after monitoring the basic assets, completing the clearing by a registration clearing department, and further performing early redemption and settlement.
4. The alliance chain system for the sale of financial products of claim 1 wherein, in the financial product transaction record module, the asset end comprises: the financial product is output, the sales records are synchronous, the financial product is paid in advance, and the return payment records are synchronous; and the fund side comprises financial product import, agent sales, agent cash payment and fund settlement.
5. The alliance chain system for the sale of financial products of claim 1 wherein the cross institution real time transaction module for financial products comprises:
3.1, importing financial products, including pricing and scheduling by an enterprise center, submitting a branding material application by the product center, and simultaneously issuing a product pre-sale message to a client by the enterprise center and forecasting the product;
3.2 putting the financial product on shelf, submitting the card hanging material application submitted by the product center to the client by the career center;
3.3 the financing product is sold instead, and the client organizes the listing to issue the financing product which needs to be sold or sold instead;
3.4, the sales records are synchronized, and the business center and the client carry out sales or sales activities;
3.5 the financing product is exchanged and paid in agency, money transfer after the registration and clearing center realizes listing and issuing is realized, and financing information is synchronized to the basic information management module of the financing product.
6. A federation chain system for sale of financial products as claimed in claim 1 wherein rights management of the federation chain system further includes agreement on work rights on the federation chain to ensure that data writing and work flow is proceeding properly, including: the product center agrees to the sale of the financing product, requests endorsement of the signature of the financing product label, provides a monitoring center with full-tone initial review intention, the monitoring center performs comprehensive arrangement to provide comprehensive initial review opinions, returns a request message to the product center, issues a product review notice, performs review by the authentication center, issues a meeting approval by the monitoring center and the registration clearing center, orders the financing product by the monitoring center, packs and writes data information of the financing product into a block chain by the registration clearing center, and then delivers the data to the monitoring center for verification, review and submits an account book.
7. The alliance chain system for financial product sales of claim 1 wherein the alliance chain system incorporates a privacy encryption method module, updates the encryption and decryption keys in real time, and updates the algorithm of the encryption and decryption keys at the same time; after the related nodes of the business center simulate and execute issuing of the financial product proposal, the simulation execution result is checked, under the condition that a legal private data read-write set exists, a scattered private data method of a message module is called, the private data is distributed to the related nodes of the business center, a supervision center and a product center authorized in a channel, and the financial product data is stored in local cache private data.
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Cited By (9)
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| CN111950009A (en) * | 2020-08-14 | 2020-11-17 | 中国工商银行股份有限公司 | Block chain-based affiliation data detection method and device |
| CN112561529A (en) * | 2020-12-16 | 2021-03-26 | 深圳市大中华区块链科技有限公司 | Financial product sale system and method based on block chain |
| CN112801778A (en) * | 2021-03-01 | 2021-05-14 | 华融融通（北京）科技有限公司 | Federated bad asset blockchain |
| CN112950180A (en) * | 2021-02-24 | 2021-06-11 | 中国工商银行股份有限公司 | Community certificate method and system based on alliance chain, electronic device and storage medium |
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