CN111461856A - Outsourcing collection urging method based on block chain - Google Patents
Outsourcing collection urging method based on block chain Download PDFInfo
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Abstract
The invention provides an outsourcing collection urging method based on a block chain, which comprises the following steps: (1) urging the mechanism, committee foreign institution and bank financial department to provide nodes, and establishing a block chain network urging the committee foreign institution, wherein the block chain network architecture comprises from top to bottom: a service layer, a chain service layer, a network layer and a data layer; (2) building a block chain management platform to monitor and manage the state of the block chain network, accessing a service system and the block chain management platform to the block chain network by using an Agent port, associating the Agent port with a billing node by adopting a series of GRPC interfaces, and building a block consensus node to form a consensus network; (3) the collection urging mechanism and the outsourcing mechanism respectively participate in block consensus to realize synchronous interaction of collection urging data on the chain; (4) setting an encryption contract to carry out secondary encryption on input service data, and prompting privacy information on a protection chain; (5) and designing and deploying an intelligent contract of the collection urging end and an intelligent contract of the outsourcing end, formulating corresponding rules for urging collection of each chain flow outside the outsourcing, and realizing the operation of the whole chain flow outside the outsourcing.
Description
Technical Field
The invention belongs to the technical field of block chains, and particularly relates to an outsourcing collection urging method based on a block chain.
Background
With the rapid expansion of the domestic credit market and the aggravation of the competitive degree, overdue accounts such as a large number of credit cards, consumer financing, P2P, petty loans, car lending and the like begin to emerge, and great risks and troubles are brought to financial institutions. According to data statistics, the bad account rate during 2003-2013 keeps rapidly increasing at the level of 1000 hundred million every year, and is unpredictable in the future. The entrustment industry is rapidly started from the entrustment industry, the large entrustment institution in China reaches the scale of thousands of people at present, and operation sites are distributed in the whole country.
The public understanding of the industry for urging collection by outsourcing is still stopped at a very non-objective and impartial stage due to the sensitivity of the industry, movie subjects and social customs, the industry for urging collection by outsourcing is the mainstream choice of financial institutions at the present stage, even some large-scale banking institutions consider that the early-stage business is wholly outsourced, the market is unlimited in the future, the industry for urging collection by outsourcing starts to be rapidly developed in China in about 2000 years, and although no clear supervision institution and market admission rules exist at present, according to the requirements and industry self-discipline of the financial institutions (entrusting parties), a relatively mature industry standard is formed at present, and each outsourcing institution can well execute the requirements of the entrusting party to ensure that the business compliance is developed. The types of companies developing business at present can be roughly divided into law firm type, asset management type, credit consultation type, financial technology type, investment management type, enterprise consultant type and comprehensive type.
According to the current situation of the environment, the telephone, the short message, the letter and the foreign visit are the main operation modes of the committing foreign institution; the telephone alert is particularly important, and the efficiency is maximally mined at the lowest cost. The short message reminding mechanism has a short message group sending system and can be integrated with a collection prompting system, so that the working efficiency is greatly improved; the letter payment is limited by the requirement of a consignor, only fixed template contents can be sent at the present stage, and the effect is very little; the visit work as the necessary supplement of the telephone reminding also plays a great role in the processing of special cases; among the above several ways, electrocatalysis can be said to be a link which is very important for all existing outsourcing organizations, from recruitment of personnel to culture to on-site management, and meanwhile, a highly effective team can be created by matching with an efficient collection operation system and support of company salary system and culture, wherein trivial details can not be simply whisper, and common efforts of multiple departments and professional talents can be realized. With the continuous development of internet finance, from the aspect of good development of banking business, higher and higher requirements and challenges are provided for loan business, early intervention of companies is promoted by professionals, overdue assets can be recovered to the maximum extent, and the action of lawsuits and judicial security links is reduced. However, in the related art, information cannot be effectively shared among the collection agencies, and collection work is repeated, so that collection efficiency is low. Moreover, the customer information that different agencies urged to master is different, for example, some agencies urge to receive have past urging records, and other agencies may not, resulting in the urging work being repeated, and seriously affecting urging efficiency. Under the circumstance, establishing a collection task sub-packaging platform in the collection field by applying a new technology is particularly urgent.
The special mechanisms of data encryption transmission, decentralized data storage, multi-party calculation and the like of the block chain technology can break through the traditional regional limitation of the industry of hastening receipts, realize information completion and effectively improve the asset disposal efficiency and the industry transparency. Therefore, the collection-urging task subcontracting platform established by the block chain technology can integrate industrial resources such as an internet financial platform, a bank and a collection-urging mechanism, break an information island and greatly improve the collection-urging efficiency. Meanwhile, the application of the block chain technology can also guarantee the information safety to the maximum extent.
Moreover, the block chain is matched with new technologies such as big data and artificial intelligence, the traditional collection urging mode which depends on manpower too much in the collection urging industry is changed, and intelligent collection urging is really realized. Through more accurate user portrayal, the person who urges to collect can know the user characteristic more rapidly to formulate more corresponding urge to collect the tactics, improve the success rate that urges to collect.
Disclosure of Invention
The noun explains:
(1) and (3) GPRC: a high performance, open source, universal RPC framework; the so-called RPC (remote procedure call) framework actually provides a set of mechanisms to enable communication between applications, and also conforms to the server/client model. When in use, the client calls the interface provided by the server as calling a local function.
Both the gRPC and the restful API provide a set of communication mechanisms for server/client model communications, and they both use http as the underlying transport protocol (strictly speaking, http2.0 is used by the gRPC, while restful API does not).
The gPC can define the interface through protobuf, so that stricter interface constraint conditions can be met. Data can be serialized into binary code through protobuf, which can greatly reduce the data volume needing to be transmitted, thereby greatly improving the performance.
(2) Agent: a software or hardware entity capable of autonomous activity, in the present invention, refers to an interactive interface or port available to a user providing an interface.
(3) UR L uniform resource locator, a compact representation of the location and access method to resources available on the internet, is the address of standard resources on the internet, and each file on the internet has a unique UR L that contains information indicating the location of the file and how the browser should handle it.
Aiming at the problems, the invention provides an outsourcing collection method based on a block chain, which links each process of outsourcing collection, visually monitors an outsourcing collection block network by using a block chain operation and maintenance management platform in real time, realizes the common participation of participating mechanisms on each chain in block consensus by using a block chain Agent port, quickly synchronizes exchange information on the chain, realizes the multiparty sharing of collection data, integrally improves the outsourcing collection efficiency, secondarily encrypts the collection information, protects private data, calculates assignment weight in real time, sets related intelligent contracts and reasonably distributes collection cases, thereby formulating a more targeted collection strategy and improving the success rate of collection.
On one hand, the invention discloses an outsourcing collection urging method based on a block chain, which comprises the following steps:
(1) urging the mechanism, committee foreign institution and bank financial department to provide nodes, and establishing a block chain network urging the committee foreign institution, wherein the block chain network architecture comprises from top to bottom: a service layer, a chain service layer, a network layer and a data layer;
(2) building a block chain management platform to monitor and manage the state of the block chain network, accessing a service system and the block chain management platform to the block chain network by using an Agent port, associating the Agent port with a billing node by adopting a series of GRPC interfaces, and building a block consensus node to form a consensus network;
(3) the collection urging mechanism and the outsourcing mechanism respectively participate in block consensus to realize synchronous interaction of collection urging data on the chain;
(4) setting an encryption contract to carry out secondary encryption on input service data, and prompting privacy information on a protection chain;
(5) and designing and deploying an intelligent contract of the collection urging end and an intelligent contract of the outsourcing end, formulating corresponding rules for urging collection of each chain flow outside the outsourcing, and realizing the operation of the whole chain flow outside the outsourcing.
Further, the block chain network architecture in step (1) specifically includes:
and (4) a service layer: the collection urging mechanism, the outsourcing mechanism, the bank financial department and other mechanisms are respectively distributed with a collection urging business system, an outsourcing business system and a financial business system according to the business requirements of the mechanisms, and are connected with a chain service layer through a RestFul API;
chain service layer: designing a collection urging port, an outsourcing port and a financial port to be respectively butted with a collection urging business system, an outsourcing business system and a financial business system in a business layer;
network layer: for the distributed account book layer, a block chain consensus network is formed by a plurality of accounting nodes provided by each mechanism of the business layer, and the recording data of the accounting nodes are stored in a block account book;
and (3) a data layer: the data layer stores all service data of the service layer and a block database of the network layer.
Further, the formation of the consensus network in the step (2) is specifically as follows:
in the outsourcing collection block chain network, a block chain Agent and a corresponding node form a consensus node, and the consensus node is mutually connected to form an overall consensus framework of the outsourcing collection block chain;
the block chain Agent sends transaction, monitoring results, transaction retransmission and certificate management information on the block chain through an application end interface, and the block chain Agent conducts online transaction with a collection urging business system, an outsourcing business system and a financial business system;
and management operation is realized between the block chain Agent and the block chain link point network through a block chain operation management platform.
Preferably, the block chain operation management platform in step (2) utilizes interface encapsulation to perform class attribution management on the block chain network architecture, and provides a supervision path for transaction monitoring, node management, contract management and multi-chain management in the block chain network.
Further, the step (3) is specifically as follows:
3.1 initiating a proposal sending request to the block chain Agent by the collection service system;
3.2 the front end of the block chain Agent initiates a local uplink call to sdk;
3.3 the SDK receives the call request and submits the call request to the accounting node;
3.4 the accounting node pre-executes the proposal contract and returns the result;
3.5 the SDK submits the result of the pre-dispatching plan to the consensus node;
3.6 the result of the pre-assignment is broadcasted to the consensus network for consensus;
3.7 the consensus is completed to generate the block and submit the consensus result to the consensus node;
3.8 the blocks are synchronous, and the accounting node receives the blocks and updates the account book;
3.9 notify the SDK of the result of the proposal;
3.10 the SDK sends the dispatch result notice back to the service front end;
3.11 at the front end, the collection service system and the outsourcing service system are informed of the assignment result through the Restful file.
Further, the step (4) is specifically as follows:
4.1 when a request occurs at a service end, inputting a clear text of service data, wherein the service data comprises input data of service layers such as a collection service, an outsourcing service, a financial service and the like;
4.2 encrypting the plaintext of the input service data by using a symmetric encryption algorithm by adopting a symmetric key to form a service data ciphertext;
4.3 setting a key contract to inquire key information, reading the cache in the block chain system and generating a public key of each organization;
4.4 further encrypting the symmetric key by using the public key of the organization to generate a symmetric key ciphertext list;
4.5 the symmetric key cryptograph list assembles the business data cryptograph to generate message information;
4.6 when receiving the event notice, the message information is opened, and the event request user tries to decrypt the business ciphertext by combining the private key thereof with the symmetric key ciphertext list;
and 4.7, if the decryption is successful, obtaining the plaintext of the service data.
Further, the intelligent contract at the collection end and the intelligent contract at the outsourcing end in the step (5) are specifically as follows:
the terminal deployment intelligent contract of the collection urging comprises case contracts, mechanism contracts, fund withdrawal contracts, case dispatching contracts and settlement contracts;
the case contract implementation functions comprise case uplink, case updating, case query, case distribution and delay removal processing;
the mechanism contract implementation functions comprise mechanism creation, rule updating, money return inquiry and weight inquiry;
the realized functions of the refund contract comprise the establishment of refund, the updating of refund, the inquiry of refund and the calculation of commission;
the case distribution contract implementation functions comprise weight query, weight updating, case distribution and result confirmation;
the settlement contract implementation functions comprise settlement auditing, commission incentive and detail inquiry;
the external side deploys intelligent contracts including contract matching, progress management contracts, case contracts and settlement contracts;
the contract matching realization function comprises case matching and matching confirmation;
the progress management contract implementation functions comprise task registration and task query;
the case contract implementation functions comprise withdrawal application and case query;
the settlement contract implementation functions include commission inquiry, settlement application and settlement inquiry.
Preferably, the implementation of the chain outsourcing urging whole flow operation in the step (5) is as follows:
5.1 the case package is chained up by the collection mechanism through the collection system;
5.2, inputting collection service data in a collection system and initiating a case dispatch;
5.3 outsourcing collection block chain network receives the assignment request and sends out assignment broadcast on the chain;
5.4 the collection agency receives the notice of the case dispatching result;
5.5 and adjusting the case dispatching result;
5.6, the result of the case assignment is agreed on the chain, and the result of the case assignment is confirmed;
5.7, the dispatch result is broadcasted on the chain to inform the collection agency and the outsourcing agency;
5.8 the external agency links the information of the collection progress/return case/delay case according to the received case assignment result;
5.9 the collection mechanism inquires/returns a case and delays the case on the chain;
5.10, linking the returned money, and performing settlement and audit;
5.11 commission calculation using settlement contracts on the chain;
5.12 the outsourcing agency makes money return, commission inquiry/settlement application on the chain;
5.13 settlement is carried out after the settlement on the chain is finished;
5.14 the issue notice is broadcast and transmitted to the urging agency and the committing agency.
The assignment weight adjustment is as follows:
1) the collection service system pushes the money back at the service port;
2) returning money and winding up;
3) the invoking mechanism contract updates the weights.
Further, the collection prompting mechanism reads the weight information on the chain in real time when receiving the dispatching plan through the collection prompting service system, returns the real-time weight, adjusts the weight according to the returned weight information, updates the weight and realizes the dynamic operation of the weight calculation on the chain.
The method and the system build a block chain network which is commonly participated in consensus by all the collection-urging related departments, realize real-time on-chain processes of case assignment, collection urging, money return and the like, establish a block chain management platform to monitor the operation and maintenance of the block chain network in real time, deploy intelligent contracts of collection urging ends and outsourcing ends, intelligently and efficiently carry out on-chain collection urging business, carry out data interaction by all participating mechanisms through Agent ports, carry out secondary encryption on collection urging information, protect privacy data, greatly improve collection urging efficiency, and simultaneously guarantee information safety to the maximum extent.
Drawings
FIG. 1: the invention outsourcing hastening receiving block chain network architecture diagram;
FIG. 2: a schematic diagram of a consensus network;
FIG. 3: a block chain Agent logical architecture diagram;
FIG. 4: a synchronous interaction flow chart of the collection data;
FIG. 5: the invention relates to a secondary encryption flow chart;
FIG. 6: deploying an intelligent contract schematic diagram;
FIG. 7: outsourcing collection business flow chart;
FIG. 8: case linking flow chart;
FIG. 9: a chain-winding flow chart of the mechanism;
FIG. 10: a plan assignment weight adjustment flow chart;
FIG. 11: a plan dispatching flow chart;
FIG. 12: a flow chart for synchronizing collection of information;
FIG. 13: a cash back information synchronization flow chart;
FIG. 14: a scheme information synchronization flow chart;
FIG. 15: a settlement flow chart;
FIG. 16: a scheme withdrawing and extending flow chart.
Detailed Description
In order to more specifically describe the present invention, the following detailed description is provided for the technical solution of the present invention with reference to the accompanying drawings and the specific embodiments.
On one hand, the invention discloses an outsourcing collection urging method based on a block chain, which comprises the following steps:
(1) urging the receiving organization, entrustment other organization and bank financial department to provide the node, set up entrustment urging receiving network outside the entrustment based on block chain, urge receiving network architecture outside the entrustment from last to include: a collection service layer, a chain service layer, a network layer and a data layer, as shown in fig. 1.
Wherein, the collection service layer: the collection urging mechanism, the commission outside mechanism, the bank side financial department and other mechanisms are respectively distributed with a collection urging business system, a commission outside business system and a financial business system according to the business requirements of the mechanisms, and are connected with a chain service layer through a RestFul API.
Chain service layer: designing a collection prompting port, an outsourcing port and a financial port to be in butt joint with a business layer, and connecting the business system with a block chain bottom layer architecture through a chain service layer to form a block chain network for collection prompting outside the outsourcing;
wherein, urging the receiving end comprises urging a service process: case chaining, mechanism chaining, case assignment, progress inquiry, money return chaining and settlement auditing;
the external end of the commission comprises a business process: the method comprises the following steps of case acceptance rule chaining, case matching, case inquiry, refund commission inquiry, settlement application and task registration;
the financial terminal comprises a business process: making a payment and chaining, and settling and checking;
and the chain service layer is communicated with the bottom layer block chain network through a GRPC mechanism.
Network layer: for the distributed account book layer, a block chain consensus network is formed by a plurality of accounting nodes provided by each mechanism of the business layer, and the recording data of the accounting nodes are stored in a block account book;
and (3) a data layer: the data layer stores all service data of the service layer and a block database of the network layer.
(2) Building a block chain management platform to monitor and manage the state of the block chain network, accessing a service system and the block chain management platform to the block chain network by using Agent ports, associating the Agent ports with accounting nodes by adopting a series of GRPC (general packet radio network) interfaces, and building block consensus nodes to form a consensus network, as shown in FIG. 2;
the block chain operation management platform utilizes interface encapsulation to perform category attribution management on a block chain network architecture, and provides a supervision way for transaction monitoring, node management, contract management and multi-chain management in the block chain network.
In the block chain outsourcing urging network, a block chain Agent and a node form a consensus node, wherein the block chain Agent comprises: the system comprises a collection Agent related to a collection service, an outsourcing Agent related to an outsourcing service, a block chain management Agent related to a block chain management platform, and a regional Agent related to a specific matching scheme.
The system comprises a collection Agent and collection nodes, wherein the outsourcing Agent and the outsourcing node, the block chain management Agent and the block chain management platform, and the region Agent and the region node respectively form corresponding consensus nodes which are mutually connected to form a consensus framework of the outsourcing collection block chain;
wherein, urge receipts node function: case contracts, case sending contracts, fund withdrawal contracts and settlement contracts;
the function of the collection Agent is as follows: case/organization chaining, Agent collection urging function, money return chaining, progress inquiry, settlement auditing and commission adjustment;
the outsourcing node function: contract collection, contract settlement, contract matching and mechanism contract;
the outsourcing Agent function: configuring matching rules, case/refund inquiry, collection progress registration, commission inquiry, settlement application and identity authentication/authority control;
the management platform has the functions: visual monitoring, node management, contract management and visual operation and maintenance;
the regional node function: matching and confirming contracts;
the function of the regional Agent is as follows: gathering matching results and submitting case dispatching results.
The block chain Agent logic architecture is shown in fig. 3:
the block chain Agent sends transaction, monitoring results, transaction retransmission and certificate management information on the block chain through an application end interface, and the block chain Agent and the block chain link point network realize management operation through a block chain operation management platform; the block chain operation management platform is used for transaction monitoring, node management, contract management and multi-chain management in the block chain network;
the application end real-time interface adopts a Go language architecture, the beego is an http framework for rapidly developing Go applications, can be used for rapidly developing various applications such as API, Web, back-end services and the like, and is a framework of RESTFul.
(3) As shown in fig. 4, the collection urging mechanism and the outsourcing mechanism respectively participate in the block consensus to realize the synchronous interaction of collection urging data on the chain, which is as follows:
1) the collection service system initiates a proposal sending request to the block chain Agent;
2) the block chain Agent front end initiates local uplink calling to the SDK;
3) the SDK receives the calling request and submits the calling request to an accounting node;
4) the accounting node executes a plan dispatching contract in advance and returns a result;
5) the SDK submits the result of the pre-dispatching plan to the consensus node;
6) the result of the pre-assignment is broadcasted to the consensus network for consensus;
7) generating a block after consensus and submitting a consensus result to a consensus node;
8) the blocks are synchronous, and the accounting node receives the blocks and updates the account book;
9) informing the SDK of the plan dispatching result;
10) the SDK sends a case dispatching result notice back to the service front end;
11) and the front end informs the collection service system and the outsourcing service system of the assignment result through the Restful file.
(4) As shown in fig. 5, an encryption contract is set to perform secondary encryption on input service data, and privacy information is urged to be collected on a protection chain, which specifically includes the following steps:
1) inputting a service data plaintext when a request occurs at a service end; the business data comprises input data of business layers such as collection business, outsourcing business, financial business and the like.
2) Encrypting the plaintext of the input service data by using a symmetric encryption algorithm by using a symmetric key to form a service data ciphertext;
3) setting a key contract to inquire key information, reading cache in a block chain system, and generating public keys of all organizations;
4) further encrypting the symmetric key by using the public key of the organization to generate a symmetric key ciphertext list;
5) the symmetric key ciphertext list assembles the business data ciphertext to generate message information;
6) when receiving the event notification, opening message information, and the event request user tries to decrypt the business ciphertext by combining a private key of the event request user with a symmetric key ciphertext list;
7) and if the decryption is successful, the clear text of the service data is obtained, otherwise, the decryption fails.
(5) As shown in fig. 6, an intelligent contract at the collection urging end and an intelligent contract at the outsourcing end are designed and deployed, and corresponding rules for expecting and collecting the processes on each chain are formulated, so that the full-process operation of the outsourcing and collecting processes on the chain is realized;
the intelligent contract deployment comprises the chain function realization of a collection urging end and an outsourcing end, and comprises a plurality of specific outsourcing collection urging process contracts;
the contract deployment at the collection terminal is as follows:
a case contract: case chaining, case updating, case querying, case dispatching and delay removing processing;
an organization contract: organization creation, rule updating, money return inquiry and weight inquiry;
and (4) a money-withdrawal contract: creating a refund, updating the refund, inquiring the refund and calculating commission;
a plan sending contract: inquiring weight, updating weight, distributing case and confirming result;
and (4) settlement contract: settlement auditing, commission incentive and detail inquiry.
The contract deployment at the outsourcing end is specifically as follows:
contract making: matching cases and confirming matching;
progress management contracts: task registration and task query;
a case contract: carrying out delay application and case query;
and (4) settlement contract: commission inquiry, settlement application and settlement inquiry.
As shown in fig. 7, the outsourcing collection business process is as follows:
1) the case package is chained up by the collection mechanism through the collection system;
2) inputting collection service data in a collection system and initiating a case dispatch;
3) the outsourcing collection block chain network receives the assignment request and sends out assignment broadcast on the chain;
4) the collection agency receives the notice of the case dispatching result;
5) and adjusting the case dispatching result;
6) agreeing on the assignment result on the chain, and confirming the assignment result;
7) the dispatch result is broadcasted on the chain to inform the collection agency and the outsourcing agency;
8) the outsourcing organization links the information of the collection progress/the case quitting/the case extending according to the received case dispatching result;
9) the collection mechanism inquires/returns a case and delays the case on the chain;
10) and linking the returned money for settlement and examination;
11) commission calculation using settlement contracts on the chain;
12) the outsourcing organization makes money return, commission inquiry/settlement application on the chain;
13) after the chain settlement is completed, closing a counter;
14) the settlement notice is broadcast and transmitted to the urging agency and the committing agency.
In fig. 8, the chain of the case is as follows:
1) the case is subpackaged by the hasten-harvest system;
2) after the cases are subpackaged, the cases are linked on the service port;
3) calling a chaining contract and confirming the chaining of the case package;
4) sequentially calling case contracts and sending contracts, and updating the case pool on the chain to the block chain network at the collection urging end;
5) calling a case contract to judge whether to distribute cases in real time;
6) calling a delivery contract to deliver a case;
7) and sending the case to the collection block chain network in real time.
As shown in fig. 9, the chain mechanism is embodied as follows:
1) performing mechanism information uplink on a service port of the receiving-forcing service system;
2) invoking agency contract auditing and confirming agency information;
3) after the audit of the organization information is confirmed, updating the organization information in the acquisition block chain network;
4) making a case acceptance rule at an outsourcing port of the outsourcing business system;
5) calling a mechanism contract to confirm a case acceptance rule;
6) and linking up in the urged block chain network after the confirmation of the case acceptance rule.
As shown in fig. 10, the assignment weight adjustment is as follows:
1) the collection service system pushes the money back at the service port;
2) returning money and winding up;
3) the invoking mechanism contract updates the weights.
In the process, when the collection service system receives the dispatch plan, the on-chain weight information is read in real time, the real-time weight is returned, the weight is adjusted according to the returned weight information, and the weight is updated, so that the dynamic operation of on-chain weight calculation is realized.
As shown in fig. 11, the dispatch process is as follows:
1) the collection service system sets assignment parameter configuration according to the assignment weight calculated in real time by the block chain;
2) the service node calls an assignment contract and inputs an assignment request;
3) updating the assignment weight according to the assignment request;
4) matching cases by combining outsourcing contracts of each outsourcing organization;
5) the regional nodes call a matching confirmation contract, collect matching results and perform matching confirmation; wherein, the case matching is confirmed by referring to the configured weight and following the principle of balance of money amount and quantity;
6) after the matching result is confirmed, chaining the case sending result;
7) outputting case dispatching notification according to the case dispatching result;
8) chaining UR L of the dispatched case;
9) the UR L uplink notifies the business system through the outsourcing Agent, and further acquires the case UR L through the selected outsourcing agency, and urges the case to be collected through the case.
As shown in fig. 12, the information collection synchronization is realized as follows:
1) the outsourcing agency service terminal issues collection prompting information on the outsourcing Agent;
2) the service node encrypts the collection information by using the public key;
3) after receiving the encrypted message, the block chain network informs the message service system;
4) the collection agency inquires the encrypted collection information on the chain through the collection agency system and can decrypt and check the collection information by using a private key.
As shown in fig. 13, the cash-back information synchronization is realized as follows:
1) the collection mechanism inputs the money return information to the service port through the collection service system;
2) returning money and winding up;
3) calling a remittance contract to calculate commission and update the return achievement;
4) a performance link;
5) sending a performance change notice to an outsourcing port;
6) the outsourcing port transmits the performance change notification to the outsourcing business system.
As shown in fig. 14, the protocol information synchronization is implemented as follows:
1) the collection agency sends out a settlement notice;
2) after the contract is urged to be accepted and the notification of the case settlement is received, the case state is updated, and the access authority is cancelled;
3) notifying the uplink of the settlement;
4) broadcasting and issuing after the case settlement notification is linked up;
5) the committee outside agency receives the settlement notice through the committee outside reception system.
As shown in fig. 15, the settlement process is as follows:
1) the outsourcing organization inputs a request for applying settlement at an outsourcing port of the outsourcing business system;
2) calling a settlement contract at the client port, and confirming a settlement request by the settlement contract;
3) the settlement application cochain is broadcasted and issued with a settlement notice;
4) the collection mechanism receives the settlement notice at the collection port;
5) the collection mechanism confirms the service;
6) and pushing the confirmation result;
7) and calling a settlement contract confirmation result at the service port, chaining the result, and broadcasting and issuing a settlement notice to the outsourcing service system and the collection urging service system.
As shown in fig. 16, the process of withdrawing a case is as follows:
1) the outsourcing organization inputs a withdrawal delay application at an outsourcing port of the outsourcing business system;
2) calling case contract at the client port, confirming the application of quitting delay case,
3) applying for uplink and broadcasting to issue a notice for auditing;
4) the collection mechanism receives the audit notice in the collection service system and conducts service audit;
5) pushing an audit result at the business collection port;
6) calling a case contract to check the pushed result;
7) if the extension application is approved, chaining the approval result;
8) and updating the case state, and informing the collection service system and the outsourcing service system.
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 (9)
1. An outsourcing collection urging method based on a block chain is characterized by comprising the following steps:
(1) urging the receiving organization, committee foreign organization and bank financial department to provide nodes, and establishing a committee foreign urging block chain network, wherein the block chain network architecture comprises from top to bottom: a service layer, a chain service layer, a network layer and a data layer;
(2) building a block chain management platform to monitor and manage the state of the block chain network, accessing a service system and the block chain management platform to the block chain network by using a block chain Agent, associating a block chain Agent port and a bookkeeping node by adopting a series of GRPC interfaces, and building a block consensus node to form a consensus network;
(3) the collection urging mechanism and the outsourcing mechanism respectively participate in block consensus to realize synchronous interaction of collection urging data on the chain;
(4) setting an encryption contract to carry out secondary encryption on input service data, and prompting privacy information on a protection chain;
(5) and designing and deploying an intelligent contract of the collection urging end and an intelligent contract of the outsourcing end, formulating corresponding rules for urging collection of each chain flow outside the outsourcing, and realizing the operation of the whole chain flow outside the outsourcing.
2. The method according to claim 1, wherein the blockchain-based outsourcing collection method in step (1) specifically includes:
and (4) a service layer: the collection urging mechanism, the outsourcing mechanism, the bank financial department and other mechanisms are respectively distributed with a collection urging business system, an outsourcing business system and a financial business system according to the business requirements of the mechanisms, and are connected with a chain service layer through a restfulAPI;
chain service layer: designing a collection urging port, an outsourcing port and a financial port to be respectively butted with a collection urging business system, an outsourcing business system and a financial business system in a business layer;
network layer: for the distributed account book layer, a block chain consensus network is formed by a plurality of accounting nodes provided by each mechanism of the business layer, and the recording data of the accounting nodes are stored in a block account book;
and (3) a data layer: the data layer stores all service data of the service layer and a block database of the network layer.
3. The outsourcing collection method based on the blockchain of claim 1, further comprising the step (2) of the blockchain operation management platform performing class attribution management on the blockchain network architecture by using interface encapsulation, and providing a supervision path for transaction monitoring, node management, contract management, and multi-chain management in the blockchain network.
4. The method for outsourcing collection based on a block chain according to claim 1, wherein the formation of the consensus network in the step (2) is specifically as follows:
in the outsourcing collection block chain network, a block chain Agent and a corresponding node form a consensus node, and the consensus node is mutually connected to form an overall consensus framework of the outsourcing collection block chain;
the block chain Agent sends transaction, monitoring results, transaction retransmission and certificate management information on the block chain through an application end interface, and the block chain Agent conducts online transaction with a collection urging business system, an outsourcing business system and a financial business system;
and management operation is realized between the block chain Agent and the block chain link point network through a block chain operation management platform.
5. The outsourcing collection method based on the block chain according to claim 1, wherein the specific step of the step (3) is:
3.1 initiating a proposal sending request to the block chain Agent by the collection service system;
3.2 the front end of the block chain Agent initiates a local uplink call to sdk;
3.3 the SDK receives the call request and submits the call request to the accounting node;
3.4 the accounting node pre-executes the proposal contract and returns the result;
3.5 the SDK submits the result of the pre-dispatching plan to the consensus node;
3.6 the result of the pre-assignment is broadcasted to the consensus network for consensus;
3.7 the consensus is completed to generate the block and submit the consensus result to the consensus node;
3.8 the blocks are synchronous, and the accounting node receives the blocks and updates the account book;
3.9 notify the SDK of the result of the proposal;
3.10 the SDK sends the dispatch result notice back to the service front end;
3.11 at the front end, the collection service system and the outsourcing service system are informed of the assignment result through the Restful file.
6. The outsourcing collection method based on the block chain according to claim 1, wherein the specific steps of the step (4) are as follows:
4.1 when a request occurs at a service end, inputting a clear text of service data, wherein the service data comprises input data of service layers such as a collection service, an outsourcing service, a financial service and the like;
4.2 encrypting the plaintext of the input service data by using a symmetric encryption algorithm by adopting a symmetric key to form a service data ciphertext;
4.3 setting a key contract to inquire key information, reading the cache in the block chain system and generating a public key of each organization;
4.4 further encrypting the symmetric key by using the public key of the organization to generate a symmetric key ciphertext list;
4.5 the symmetric key cryptograph list assembles the business data cryptograph to generate message information;
4.6 when receiving the event notice, the message information is opened, and the event request user tries to decrypt the business ciphertext by combining the private key thereof with the symmetric key ciphertext list;
and 4.7, if the decryption is successful, obtaining the plaintext of the service data.
7. The block chain-based outsourcing collection method according to claim 1, wherein the collection-end intelligent contract and the outsourcing intelligent contract in the step (5) are specifically as follows:
the terminal deployment intelligent contract of the collection urging comprises case contracts, mechanism contracts, fund withdrawal contracts, case dispatching contracts and settlement contracts;
the case contract implementation functions comprise case uplink, case updating, case query, case distribution and delay removal processing;
the mechanism contract implementation functions comprise mechanism creation, rule updating, money return inquiry and weight inquiry;
the realized functions of the refund contract comprise the establishment of refund, the updating of refund, the inquiry of refund and the calculation of commission;
the case distribution contract implementation functions comprise weight query, weight updating, case distribution and result confirmation;
the settlement contract implementation functions comprise settlement auditing, commission incentive and detail inquiry;
the external side deploys intelligent contracts including contract matching, progress management contracts, case contracts and settlement contracts;
the contract matching realization function comprises case matching and matching confirmation;
the progress management contract implementation functions comprise task registration and task query;
the case contract implementation functions comprise withdrawal application and case query;
the settlement contract implementation functions include commission inquiry, settlement application and settlement inquiry.
8. The outsourcing collection method based on the block chain according to claim 1, wherein the specific steps of implementing the whole flow operation of the outsourcing collection on the chain in the step (5) are as follows:
5.1 the case package is chained up by the collection mechanism through the collection system;
5.2, inputting collection service data in a collection system and initiating a case dispatch;
5.3 outsourcing collection block chain network receives the assignment request and sends out assignment broadcast on the chain;
5.4 the collection agency receives the notice of the case dispatching result;
5.5 the collection mechanism adjusts the result of case dispatch;
5.6, the result of the case assignment is agreed on the chain, and the result of the case assignment is confirmed;
5.7, the dispatch result is broadcasted on the chain to inform the collection agency and the outsourcing agency;
5.8 the external agency links the information of the collection progress/return case/delay case according to the received case assignment result;
5.9 the collection mechanism inquires/returns a case and delays the case on the chain;
5.10, linking the returned money, and performing settlement and audit;
5.11 commission calculation using settlement contracts on the chain;
5.12 the outsourcing agency makes money return, commission inquiry/settlement application on the chain;
5.13 settlement is carried out after the settlement on the chain is finished;
5.14 the issue notice is broadcast and transmitted to the urging agency and the committing agency.
9. The outsourcing collection method based on the block chain according to claim 8, wherein the step 5.5 is specifically as follows: and the collection prompting mechanism reads the weight information on the chain in real time when receiving the dispatching plan through the collection prompting service system, returns the real-time weight, adjusts the weight according to the returned weight information, updates the weight and realizes the dynamic operation of the weight calculation on the chain.
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