CN111583047A - Pension escrow service system and method based on block chain - Google Patents
Pension escrow service system and method based on block chain Download PDFInfo
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- CN111583047A CN111583047A CN202010385308.8A CN202010385308A CN111583047A CN 111583047 A CN111583047 A CN 111583047A CN 202010385308 A CN202010385308 A CN 202010385308A CN 111583047 A CN111583047 A CN 111583047A
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Abstract
The invention provides a pension escrow service system and a pension escrow service method based on a block chain, wherein the system comprises: the pension hosting service offeror node and other service nodes related to the pension hosting service form a block chain network; the pension escrow service offeror node is used for: submitting the pension escrow service entrusted relevant information to a block chain network; the other service nodes related to the pension hosting service are used for: receiving pension escrow service entrusted relevant information pushed by a block chain network, performing corresponding service processing according to the pension escrow service entrusted relevant information to obtain corresponding service processing information, and submitting the corresponding service processing information to the block chain network. According to the scheme, the whole pension business process is linked, the transparency of the business process is enhanced, the reliability of data is increased, and the linked information cannot be tampered.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a pension escrow business system and method based on a block chain.
Background
The pension service has many roles, including a client, a receiver, an account manager, a custodian, an investment manager and the like, and the pension custodian service refers to an intermediate service in which a certain bank serves as a custodian, pension funds or pension product assets formed by law are safely kept, an investment instruction of the pension receiver or the investment manager is executed, fund transactions under the name of pension are handled, the investment operation of the pension manager is supervised, and custody fees are collected. The existing business process has the following problems:
1. the business processes among all roles in the pension escrow business are basically connected in series, and since the principal initiates a transaction, the rest links need to be serially transferred among all the organizations, the process is long, the information is opaque, and the principal cannot check the fund transfer condition in real time;
2. the time cost of capital is high, and the capital cannot generate value at the fastest speed;
3. if ineffectiveness events such as natural disasters occur, information of a certain node in a business flow is lost, and the whole business faces paralysis.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a pension escrow service system and a pension escrow service method based on a block chain, which solve the technical problems of long flow, opaque information and the like of pension escrow services in the prior art.
The embodiment of the invention provides a pension escrow service system based on a block chain, which comprises:
the pension hosting service offeror node and other service nodes related to the pension hosting service form a block chain network;
the pension escrow service offeror node is used for: submitting the pension escrow service entrusted relevant information to a block chain network;
the other service nodes related to the pension hosting service are used for: receiving pension escrow service entrusted relevant information pushed by a block chain network, performing corresponding service processing according to the pension escrow service entrusted relevant information to obtain corresponding service processing information, and submitting the corresponding service processing information to the block chain network.
The embodiment of the invention also provides a pension escrow business method based on the block chain, which comprises the following steps:
submitting the pension hosting service entrusted relevant information to a block chain network by the pension hosting service entrusted node;
other service nodes related to the pension hosting service receive pension hosting service entrusted related information pushed by a blockchain network, perform corresponding service processing according to the pension hosting service entrusted related information, obtain corresponding service processing information, and submit the corresponding service processing information to the blockchain network;
and the pension hosting service offeror node and other service nodes related to the pension hosting service form a block chain network.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the method.
In the embodiment of the invention, all the participants of the whole pension business process are linked up, which is beneficial to enhancing the transparency of the business process, increasing the reliability of data and ensuring that the linked up information can not be tampered; the service processing period is shortened, the parallel processing capacity is improved, the fund use efficiency is improved, and the fund value is maximized; the disaster recovery capability of the pension system is enhanced, and the interruption of the business process caused by data loss is avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a block diagram of a pension escrow service system based on a block chain according to an embodiment of the present invention;
fig. 2 is a data interaction diagram between nodes in a federation chain according to an embodiment of the present invention, where the system is based on a block chain for pension hosting business.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In an embodiment of the present invention, a pension escrow service system based on a block chain is provided, as shown in fig. 1, the system includes: the pension hosting service offeror node and other service nodes related to the pension hosting service form a block chain network;
the pension escrow service offeror node is used for: submitting the pension escrow service entrusted relevant information to a block chain network;
the other service nodes related to the pension hosting service are used for: receiving pension escrow service entrusted relevant information pushed by a block chain network, performing corresponding service processing according to the pension escrow service entrusted relevant information to obtain corresponding service processing information, and submitting the corresponding service processing information to the block chain network.
In the embodiment of the present invention, the block chain bottom layer in the system adopts a Fabric alliance chain, as shown in fig. 2, each node on the Fabric alliance chain has different division functions: sort node (Orderer) -receive transaction information, package transactions into tiles, broadcast transactions into a blockchain network; CA certificate node-the participant who accesses each block chain network is authenticated, and is responsible for issuing the node certificate and the user certificate by the organization certificate, and managing the certificate. Generally, 1 alliance chain network has 1 CA node; consensus nodes (namely adopting a consensus algorithm) -jointly complete a consensus function and coordinate the consistency of a plurality of Orderer blocks (an Orderer module is responsible for sequencing transactions and packaging the sequenced transactions into blocks); endorsement node-endorsement and packaging transaction requests, accepting the block of Orderer broadcast, processing the transaction in the block and updating the ledger.
After the block chain technology is applied to pension services, the participants of each service are endorsement nodes (namely pension hosting service offeror nodes and other service nodes related to pension hosting services) in the graph, and endorse all transactions generated on the alliance chain mutually.
As described above, the pension escrow service principal node includes a plurality of nodes;
the system further comprises: and the sequencing node is used for receiving the pension hosting service entrustment related information submitted by the pension hosting service entrusters, sequencing the pension hosting service entrustment related information, packaging the sequenced pension hosting service entrustment related information into blocks and broadcasting the blocks to the block chain network.
As can be seen from the above, the system further comprises: and the CA certificate node is used for receiving the identity authentication information uploaded by the pension escrow service principal node and other service nodes related to the pension escrow service and performing identity authentication on the identity authentication information.
After the block chain technology is applied to the pension service, the pension service processing flow is as follows: after the pension escrow service principal submits a payment application form, other roles (a consignee, an account manager, an escrow person, an investment manager and the like) can obtain the application from a chain in real time, then all participants (the consignee, the account manager, the escrow person, the investment manager and the like) start service operations such as payment application verification, bill processing, payment bill acquisition, successful payment acceptance and the like, the escrow person feeds back payment conditions to the chain after receiving funds, and meanwhile, other participants can also obtain successful payment information from the chain in real time.
Based on the same inventive concept, the embodiment of the invention also provides a pension escrow business method based on the block chain, as described in the following embodiment. Because the principle of solving the problem of the pension escrow service method based on the block chain is similar to that of the pension escrow service system based on the block chain, the implementation of the pension escrow service method based on the block chain can be referred to the implementation of the pension escrow service system based on the block chain, and repeated parts are not described again.
The pension escrow business method based on the block chain comprises the following steps:
submitting the pension hosting service entrusted relevant information to a block chain network by the pension hosting service entrusted node;
other service nodes related to the pension hosting service receive pension hosting service entrusted related information pushed by a blockchain network, perform corresponding service processing according to the pension hosting service entrusted related information, obtain corresponding service processing information, and submit the corresponding service processing information to the blockchain network;
and the pension hosting service offeror node and other service nodes related to the pension hosting service form a block chain network.
In the embodiment of the invention, the pension hosting service offeror nodes comprise a plurality of nodes;
further comprising:
and the sequencing node receives the pension hosting service entrustment related information submitted by the pension hosting service entrusters, sequences the pension hosting service entrustment related information, packs the sequenced pension hosting service entrustment related information into blocks and broadcasts the blocks to the block chain network.
In the embodiment of the present invention, the method further includes:
and the CA certificate node receives the identity authentication information uploaded by the pension escrow service principal node and other service nodes related to the pension escrow service, and performs identity authentication on the identity authentication information.
In the embodiment of the present invention, the number of the CA certificate nodes is 1.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the method.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A pension escrow business system based on a block chain is characterized by comprising: the pension hosting service offeror node and other service nodes related to the pension hosting service form a block chain network;
the pension escrow service offeror node is used for: submitting the pension escrow service entrusted relevant information to a block chain network;
the other service nodes related to the pension hosting service are used for: receiving pension escrow service entrusted relevant information pushed by a block chain network, performing corresponding service processing according to the pension escrow service entrusted relevant information to obtain corresponding service processing information, and submitting the corresponding service processing information to the block chain network.
2. The blockchain-based pension hosting business system of claim 1, wherein the pension hosting business principal node includes a plurality;
further comprising: and the sequencing node is used for receiving the pension hosting service entrustment related information submitted by the pension hosting service entrusters, sequencing the pension hosting service entrustment related information, packaging the sequenced pension hosting service entrustment related information into blocks and broadcasting the blocks to the block chain network.
3. The block chain based pension hosting business system of claim 1, further comprising: and the CA certificate node is used for receiving the identity authentication information uploaded by the pension escrow service principal node and other service nodes related to the pension escrow service and performing identity authentication on the identity authentication information.
4. The block chain-based pension hosting business system of claim 3, wherein the number of the CA certificate nodes is 1.
5. A pension escrow business method based on a block chain is characterized by comprising the following steps:
submitting the pension hosting service entrusted relevant information to a block chain network by the pension hosting service entrusted node;
other service nodes related to the pension hosting service receive pension hosting service entrusted related information pushed by a blockchain network, perform corresponding service processing according to the pension hosting service entrusted related information, obtain corresponding service processing information, and submit the corresponding service processing information to the blockchain network;
and the pension hosting service offeror node and other service nodes related to the pension hosting service form a block chain network.
6. The blockchain-based pension hosting business method of claim 5, wherein the pension hosting business principal node includes a plurality;
further comprising:
and the sequencing node receives the pension hosting service entrustment related information submitted by the pension hosting service entrusters, sequences the pension hosting service entrustment related information, packs the sequenced pension hosting service entrustment related information into blocks and broadcasts the blocks to the block chain network.
7. The block chain-based pension hosting business method of claim 5, further comprising:
and the CA certificate node receives the identity authentication information uploaded by the pension escrow service principal node and other service nodes related to the pension escrow service, and performs identity authentication on the identity authentication information.
8. The block chain-based pension hosting business method of claim 7, wherein the number of the CA certificate nodes is 1.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 5 to 8 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 5 to 8.
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| CN202010385308.8A CN111583047A (en) | 2020-05-09 | 2020-05-09 | Pension escrow service system and method based on block chain |
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| CN202010385308.8A CN111583047A (en) | 2020-05-09 | 2020-05-09 | Pension escrow service system and method based on block chain |
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| CN112037066A (en) * | 2020-09-03 | 2020-12-04 | 中国银行股份有限公司 | Managed transaction system, managed transaction node and downstream role node |
| CN112085601A (en) * | 2020-09-04 | 2020-12-15 | 泰康保险集团股份有限公司 | Annuity data processing method, device, medium and electronic equipment |
| CN112215710A (en) * | 2020-09-27 | 2021-01-12 | 泰康保险集团股份有限公司 | Annuity data processing method, block chain system, medium and electronic device |
| CN113610692A (en) * | 2021-08-12 | 2021-11-05 | 中国银行股份有限公司 | Intelligent endowment system based on block chain |
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