CN111639998A - Method, device and medium for guaranteeing user deposit rights and interests based on block chain - Google Patents

Method, device and medium for guaranteeing user deposit rights and interests based on block chain Download PDF

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Publication number
CN111639998A
CN111639998A CN202010275224.9A CN202010275224A CN111639998A CN 111639998 A CN111639998 A CN 111639998A CN 202010275224 A CN202010275224 A CN 202010275224A CN 111639998 A CN111639998 A CN 111639998A
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Prior art keywords
deposit
mortgage
block chain
contract
bank
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CN202010275224.9A
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闫现明
肖雪
王伟兵
罗森
李照川
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Shandong Inspur Quality Chain Technology Co Ltd
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Shandong Inspur Quality Chain Technology Co Ltd
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Priority to CN202010275224.9A priority Critical patent/CN111639998A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/64Protecting data integrity, e.g. using checksums, certificates or signatures

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  • Physics & Mathematics (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • General Health & Medical Sciences (AREA)
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  • Health & Medical Sciences (AREA)
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  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The application discloses a method, equipment and medium for guaranteeing the deposit right of a user based on a block chain, wherein the method comprises the following steps: receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain; and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain. The embodiment of the application utilizes the characteristics of high technical safety and strong traceability of the block chain to supervise the deposit of the user, so that when the enterprise operation management goes wrong and the deposit is used, the flow direction of the property can be traced, and meanwhile, the deposit returning strategy is set through the intelligent contract of the block chain, so that the deposit interest of the user is guaranteed.

Description

Method, device and medium for guaranteeing user deposit rights and interests based on block chain
Technical Field
The present application relates to the field of blockchain technology, and in particular, to a method, device, and medium for guaranteeing user deposit rights and interests based on a blockchain.
Background
In the internet era, deposit is often used for the use of a user mortgage as a certain service to prevent the user from making malicious behaviors, but the deposit of the user is often collected by a service provider, so that the controllability of the user fund cannot be ensured, most of the time, the deposit can be used by a company providing the service, if the company works well, the user can normally take out the deposit, the company can fill up gaps through the operation of the fund, but once the company breaks, the deposit is always injured and is a common user, and the deposit refunding event of a certain sharing bicycle is a typical case.
Disclosure of Invention
The embodiment of the specification provides a method, equipment and a medium for guaranteeing a user deposit based on a block chain, which are used for solving the following technical problems in the prior art:
the deposit of the user can not be effectively supervised, and the problem is difficult to trace.
The embodiment of the specification adopts the following technical scheme:
the first aspect of the embodiments of the present invention provides a method for guaranteeing a deposit right of a user based on a block chain, including:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
In one example, the establishing a communication interface between the blockchain and a hosting bank to enable a deposit paid by the mortgage to be transferred to the hosting bank through the blockchain includes:
and establishing the communication interface according to the service agreement between the mortgage owner and the escrow bank so as to enable the mortgage owner to call part of the deposit and the interest of the deposit.
In one example, further comprising:
receiving a deposit return request sent by the mortgage;
and verifying the deposit return request through the intelligent contract of the block chain, and sending a deposit return instruction to the escrow bank after the deposit return request is established.
In one example, the instructions to validate the request by the intelligent contract of the blockchain and send a return deposit to the escrow bank after the request is established include:
determining whether the deposit in the escrow bank meets deposit withdrawal requests of a plurality of mortgagers through an intelligent contract of the block chain;
and if the deposit is not satisfied, feeding back a preset deposit withdrawal strategy to the plurality of mortgages, and enabling the plurality of mortgages to determine a deposit withdrawal mode.
In one example, the deposit withdrawal mode includes:
queuing for returning the deposit with the sufficient amount;
generating an insufficient deposit through the smart contract and queuing to wait for the remainder of the deposit to be returned.
In one example, the generating of the deficit deposit by the smart contract comprises:
and determining the amount of the insufficient deposit according to the performance condition and credit records of the user in the process of using the product.
In one example, further comprising:
receiving enterprise operation condition information sent by a supervision mechanism, wherein the enterprise operation condition information is generated by the supervision mechanism according to a financial statement of an enterprise;
and determining whether to close a communication interface between the block chain and the escrow bank according to the enterprise operation condition information.
In one example, the nodes of the blockchain include: financial supervisory authorities.
A second aspect of an embodiment of the present invention provides an apparatus for guaranteeing a deposit right of a user based on a block chain, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
A third aspect of an embodiment of the present invention provides a non-volatile computer storage medium for guaranteeing a deposit right of a user based on a block chain, where a computer-executable instruction is stored, and the computer-executable instruction is configured to:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
the characteristics of high technical safety and strong traceability of the block chain are utilized to supervise the deposit of the user, when the enterprise operation management goes wrong and the deposit is used, the flow direction of the property can be traced, and meanwhile, the deposit returning strategy is set through the intelligent contract of the block chain, so that the deposit interest of the user is guaranteed.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
FIG. 1 is a schematic flow chart of a method provided by embodiments of the present disclosure;
fig. 2 is a schematic diagram of an apparatus framework provided in an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more apparent, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person skilled in the art without making any inventive step based on the embodiments in the description belong to the protection scope of the present application.
The technical solutions provided by the embodiments of the present application are described in detail below with reference to the accompanying drawings.
The embodiment of the application provides a method and a corresponding scheme for guaranteeing the deposit interest of a user based on a block chain, and the characteristics of high technical safety and strong traceability of the block chain are utilized to supervise the deposit of the user, so that when the deposit is used due to the problem of enterprise management and management, the flow direction of property can be traced, and meanwhile, a deposit return strategy is set through an intelligent contract of the block chain, so that the deposit interest of the user is guaranteed.
Fig. 1 is a schematic flow chart of a method provided in an embodiment of the present disclosure. As shown, the method comprises:
s101, receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
s102, a communication interface between the block chain and a trusteeship bank is established, so that the deposit paid by the mortgage is transferred to the trusteeship bank through the block chain.
The block chain is a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence, and is a distributed account book which is guaranteed in a cryptographic mode and cannot be tampered and forged. Although the underlying technology of blockchains has been developed for many years, it has not been possible to achieve effective application in a particular scenario.
According to the embodiment of the invention, in step S101, an intelligent contract for managing deposit information is set on the blockchain, and the intelligent contract is an automatically running script deployed on the blockchain and has a transparent characteristic due to being set on the blockchain. A user presets rules through an intelligent contract so as to write data into a block chain and acquire data browsing permission, and disclosure of privacy information is avoided to a great extent. Of course, the smart contracts are not the only implementation manner of the present application, and are set correspondingly according to different blockchain platforms, such as an ethernet house, a super book, and the like.
According to the specific embodiment of the present invention, the setting of the node of the block chain is not particularly limited, and may be a related financial regulatory department, and the like.
According to an embodiment of the present invention, in step S101, the mortgage contract may be stored in the block chain by extracting data of the main body, the amount of money and the main items involved in the mortgage contract, and writing the extracted data into the block chain, and preferably, information of the items obtained by extracting data may be sent to the mortgage and the mortgage owner for confirmation, and then stored in the block chain.
According to an embodiment of the present invention, in step S102, the establishing a communication interface between the block chain and a hosting bank, so that the deposit paid by the mortgage person is transferred to the hosting bank through the block chain, includes: and establishing the communication interface according to the service agreement between the mortgage owner and the escrow bank so as to enable the mortgage owner to call part of the deposit and the interest of the deposit.
It will be appreciated that the escrow bank may be replaced by a trusted entity or the like, by providing a dedicated user deposit escrow account and communication interface between the mortgage owner and the escrow bank, so that the mortgage owner can withdraw from the trust some of the user deposits and interest in the deposits, preferably no more than 30% of the total user deposit.
According to a specific embodiment of the present invention, the method of the embodiment of the present invention further includes: the block chain receives a deposit return request sent by the mortgage; and verifying the deposit return request through the intelligent contract of the block chain, and sending a deposit return instruction to the escrow bank after the deposit return request is established.
Specifically, the instructions for verifying the request by the intelligent contract of the blockchain and sending a return deposit to the escrow bank after the request is established include: determining whether the deposit in the escrow bank meets deposit withdrawal requests of a plurality of mortgagers through an intelligent contract of the block chain; and if the deposit is not satisfied, feeding back a preset deposit withdrawal strategy to the plurality of the mortgages to enable the plurality of the mortgages to determine a deposit withdrawal mode, and if the deposit withdrawal strategy is satisfied, directly withdrawing the deposit to the mortgages.
More specifically, the deposit withdrawal mode includes: queuing for returning the deposit with the sufficient amount; and or generating an insufficient deposit through the smart contract and queuing to wait for the remainder of the deposit to be returned.
Generating the insufficient deposit may be understood as generating the corresponding insufficient deposit by recording the credit during the use of the product by the user and the performance of the contract, etc., the better the credit, the greater the amount of the insufficient deposit.
According to a specific embodiment of the present invention, the method further comprises: receiving enterprise operation condition information sent by a supervision mechanism, wherein the enterprise operation condition information is generated by the supervision mechanism according to a financial statement of an enterprise; and determining whether to close a communication interface between the block chain and the escrow bank according to the enterprise operation condition information.
Firstly, the enterprise operation information sent by the monitoring mechanism has certain public credibility, the situation that the block link receives error information to close the communication interface is reduced, and secondly, the problem that the enterprise transfers the user deposit privately can be effectively avoided through the mode.
Based on the same idea, some embodiments of the present application further provide a device and a non-volatile computer storage medium corresponding to the above method.
Fig. 2 is a schematic diagram of an apparatus framework provided in an embodiment of the present disclosure, and an apparatus for managing secured user deposit based on blockchain includes:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
Some embodiments of the present application provide a non-volatile computer storage medium corresponding to fig. 1 for securing a user deposit based on a blockchain, the medium storing computer-executable instructions configured to:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
The embodiments in the present application are described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the device and media embodiments, the description is relatively simple as it is substantially similar to the method embodiments, and reference may be made to some descriptions of the method embodiments for relevant points.
The device and the medium provided by the embodiment of the application correspond to the method one to one, so the device and the medium also have the similar beneficial technical effects as the corresponding method, and the beneficial technical effects of the method are explained in detail above, so the beneficial technical effects of the device and the medium are not repeated herein.
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 directed to methods, apparatus (systems), and computer program products according to embodiments of the present invention
A flowchart and/or block diagram of an article. 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.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims (10)

1. A method for securing a deposit interest of a user based on a blockchain, comprising:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
2. The method of claim 1, wherein establishing the communication interface between the blockchain and a hosting bank to enable a deposit paid by the mortgage to be transferred to the hosting bank through the blockchain comprises:
and establishing the communication interface according to the service agreement between the mortgage owner and the escrow bank so as to enable the mortgage owner to call part of the deposit and the interest of the deposit.
3. The method of claim 1, further comprising:
receiving a deposit return request sent by the mortgage;
and verifying the deposit return request through the intelligent contract of the block chain, and sending a deposit return instruction to the escrow bank after the deposit return request is established.
4. The method of claim 3, wherein the validating the request by the smart contract of the blockchain and sending instructions to the escrow bank to return a deposit after the request is established comprises:
determining whether the deposit in the escrow bank meets deposit withdrawal requests of a plurality of mortgagers through an intelligent contract of the block chain;
and if the deposit is not satisfied, feeding back a preset deposit withdrawal strategy to the plurality of mortgages, and enabling the plurality of mortgages to determine a deposit withdrawal mode.
5. The method of claim 4, wherein the deposit withdrawal mode comprises:
queuing for returning the deposit with the sufficient amount;
generating an insufficient deposit through the smart contract and queuing to wait for the remainder of the deposit to be returned.
6. The method of claim 5, wherein generating an insufficient deposit through the smart contract comprises:
and determining the amount of the insufficient deposit according to the performance condition and credit records of the user in the process of using the product.
7. The method of claim 1, further comprising:
receiving enterprise operation condition information sent by a supervision mechanism, wherein the enterprise operation condition information is generated by the supervision mechanism according to a financial statement of an enterprise;
and determining whether to close a communication interface between the block chain and the escrow bank according to the enterprise operation condition information.
8. The method of claim 1, wherein the nodes of the blockchain comprise: financial supervisory authorities.
9. An apparatus for securing a deposit interest of a user based on a blockchain, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
10. A non-transitory computer storage medium for securing a user deposit interest based on a blockchain, the computer storage medium having stored thereon computer-executable instructions configured to:
receiving a mortgage contract established between a mortgage person and a mortgage obligee, and storing the mortgage contract in a block chain;
and establishing a communication interface between the block chain and the escrow bank, so that the deposit paid by the mortgage person is transferred to the escrow bank through the block chain.
CN202010275224.9A 2020-04-09 2020-04-09 Method, device and medium for guaranteeing user deposit rights and interests based on block chain Pending CN111639998A (en)

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CN202010275224.9A CN111639998A (en) 2020-04-09 2020-04-09 Method, device and medium for guaranteeing user deposit rights and interests based on block chain

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Application Number Priority Date Filing Date Title
CN202010275224.9A CN111639998A (en) 2020-04-09 2020-04-09 Method, device and medium for guaranteeing user deposit rights and interests based on block chain

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112419060A (en) * 2020-11-20 2021-02-26 上海树图区块链研究院 Asset hosting system, asset management method, node, and medium
CN112862572A (en) * 2021-03-24 2021-05-28 上海飞博激光科技有限公司 Laser beauty instrument leasing system and leasing method based on alliance chain

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112419060A (en) * 2020-11-20 2021-02-26 上海树图区块链研究院 Asset hosting system, asset management method, node, and medium
CN112419060B (en) * 2020-11-20 2024-03-22 上海树图区块链研究院 Asset hosting system, asset management method, node and medium
CN112862572A (en) * 2021-03-24 2021-05-28 上海飞博激光科技有限公司 Laser beauty instrument leasing system and leasing method based on alliance chain

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