CN111641655A - Block chain-based guarantee fund service processing method, device and system - Google Patents
Block chain-based guarantee fund service processing method, device and system Download PDFInfo
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- 238000012545 processing Methods 0.000 claims abstract description 19
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- 230000008014 freezing Effects 0.000 claims description 29
- 238000007710 freezing Methods 0.000 claims description 29
- 238000012795 verification Methods 0.000 claims description 28
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/12—Applying verification of the received information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/1097—Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
Abstract
The invention provides a processing method, a device and a system of a deposit service based on a block chain, wherein a transaction platform node in the block chain system is used for receiving a deposit service request initiated by an applicant node, under the condition that identity information and account information are verified, deposit transaction information is sent to a third-party company node for auditing, and under the condition that deposit payment information and a transaction contract sent by the third-party company node are received, an intelligent contract is generated, the intelligent contract is not falsified after being added with a digital signature, the safety of a transaction platform is improved, the deposit service flow is automatically executed, excessive personnel participation is not needed, the processing efficiency of the deposit service is improved, and the intelligent contract is issued on the block chain, so that the execution of the intelligent contract is transparent.
Description
Technical Field
The present invention relates to the field of block chain technology, and more particularly, to a method, an apparatus, and a system for processing a guarantee fund service based on a block chain.
Background
The deposit is provided by taking a transaction platform such as a bank and the like as a personal fund supervisor, accepting common entrusts of third-party companies (such as automobile sales companies, real estate sales companies and the like) and personal clients according to three-party agreement, supervising special funds, paying according to the agreement and the use and conditions, and assisting the personal clients and the third-party companies to manage the personal deposit to provide services, including transactions such as freezing, unfreezing, deducting and the like.
The applicant applies for a deposit service on the transaction platform, and after the third-party company passes the verification, the deposit is unfrozen or deducted according to the requirements of the applicant or the third-party company. The whole business process is long and needs a lot of personnel to participate, the low efficiency of the fund business processing is ensured, and the open and transparent of the transaction process can not be ensured.
Disclosure of Invention
In view of this, the present invention provides a method, an apparatus, and a system for processing a deposit service based on a block chain, which reduce the participation of personnel in the deposit service process, improve the service processing efficiency, and ensure that the whole transaction process is transparent.
In order to achieve the above purpose, the invention provides the following specific technical scheme:
a processing method of guarantee fund service based on a blockchain is applied to a trading platform node in a blockchain system, the blockchain system further comprises an applicant node and a third party company node, and the method comprises the following steps:
receiving a deposit service request initiated by an applicant node, wherein the deposit service request comprises deposit transaction information which comprises identity information and account information;
verifying the identity information and the account information, storing the deposit transaction information under the condition that the verification is passed, and sending the deposit transaction information to the third-party company node;
under the condition of receiving deposit payment information and a transaction contract sent by the third-party company node, generating an intelligent contract according to the deposit transaction information and the transaction contract;
carrying out Hash encryption on the deposit transaction information, the transaction contract, the deposit payment information and the code of the intelligent contract to generate a digital signature, and storing the digital signature;
and issuing the intelligent contract to a block chain, and triggering the intelligent contract to execute a guarantee fund business process when the transaction contract is detected to be effective.
Optionally, the verifying the identity information and the account information includes:
respectively carrying out validity check on the identity information and the account information;
and under the condition that the validity of the identity information and the account information passes the verification, performing consistency verification on the identity information and the account information.
Optionally, the generating an intelligent contract according to the deposit transaction information and the transaction contract includes:
determining a type of the transaction contract;
determining an intelligent contract template corresponding to the type of the transaction contract;
extracting the guarantee fund transaction information and the intelligent contract element information in the transaction contract according to the intelligent contract template;
and generating the intelligent contract according to the intelligent contract template and the intelligent contract element information.
Optionally, the executing the deposit business process includes:
judging whether the third-party company node initiates a deduction request in a freezing period after the deposit is frozen;
if the deposit is frozen and a deduction request is initiated by the third-party company node in the freezing period, the deposit is unfrozen, the designated amount of the deposit in the deposit is transferred to an appointed account of the third-party company node, and the residual fund in the deposit is reserved in the account of the applicant node;
determining whether there is a breach of the applicant node in the process of fulfilling the transaction contract by the applicant node and the third party company node;
if the default behavior exists, updating the state of the intelligent contract into a default state, generating a default record, and storing the default record into a block chain;
if no default behavior exists, unfreezing the security deposit, updating the state of the intelligent contract into an ended state, generating a contract ending record, and storing the contract ending record into a block chain;
if the third party company node does not initiate a deduction request in the freezing period after the deposit is frozen, carrying out sequential delay on the freezing period, keeping the state of the intelligent contract unchanged, and executing the step of judging whether the applicant node has default behaviors or not in the process of fulfilling the transaction contract by the applicant node and the third party company node.
Optionally, the method further includes:
generating contract state change information when detecting that the state of the intelligent contract changes;
sending the contract state change information to the applicant node and/or the third party company node.
A processing apparatus for a block chain-based guarantee fund service, applied to a trading platform node in a block chain system, wherein the block chain system further includes an applicant node and a third party company node, the apparatus comprising:
the system comprises a service request receiving unit, a service request processing unit and a service processing unit, wherein the service request receiving unit is used for receiving a deposit service request initiated by an applicant node, the deposit service request comprises deposit transaction information, and the deposit transaction information comprises identity information and account number information;
the information verification unit is used for verifying the identity information and the account information, storing the deposit transaction information under the condition that the verification is passed, and sending the deposit transaction information to the third-party company node;
the intelligent contract generating unit is used for generating an intelligent contract according to the guarantee fund transaction information and the transaction contract under the condition of receiving the guarantee fund payment information and the transaction contract sent by the third-party company node;
the digital signature generating unit is used for carrying out hash encryption on the deposit transaction information, the transaction contract, the deposit payment information and the code of the intelligent contract to generate a digital signature and storing the digital signature;
and the intelligent contract execution unit is used for issuing the intelligent contract to the block chain, and when the transaction contract is detected to be effective, the intelligent contract is triggered to execute the guarantee fund business process.
Optionally, the information checking unit is specifically configured to:
respectively carrying out validity check on the identity information and the account information;
and under the condition that the validity of the identity information and the account information passes the verification, performing consistency verification on the identity information and the account information.
Optionally, the intelligent contract generating unit is specifically configured to:
determining a type of the transaction contract;
determining an intelligent contract template corresponding to the type of the transaction contract;
extracting the guarantee fund transaction information and the intelligent contract element information in the transaction contract according to the intelligent contract template;
and generating the intelligent contract according to the intelligent contract template and the intelligent contract element information.
Optionally, the intelligent contract execution unit is specifically configured to:
judging whether the third-party company node initiates a deduction request in a freezing period after the deposit is frozen;
if the deposit is frozen and a deduction request is initiated by the third-party company node in the freezing period, the deposit is unfrozen, the designated amount of the deposit in the deposit is transferred to an appointed account of the third-party company node, and the residual fund in the deposit is reserved in the account of the applicant node;
determining whether there is a breach of the applicant node in the process of fulfilling the transaction contract by the applicant node and the third party company node;
if the default behavior exists, updating the state of the intelligent contract into a default state, generating a default record, and storing the default record into a block chain;
if no default behavior exists, unfreezing the security deposit, updating the state of the intelligent contract into an ended state, generating a contract ending record, and storing the contract ending record into a block chain;
if the third party company node does not initiate a deduction request in the freezing period after the deposit is frozen, carrying out sequential delay on the freezing period, keeping the state of the intelligent contract unchanged, and executing the step of judging whether the applicant node has default behaviors or not in the process of fulfilling the transaction contract by the applicant node and the third party company node.
Optionally, the device further includes an intelligent reminding unit, specifically configured to:
generating contract state change information when detecting that the state of the intelligent contract changes;
sending the contract state change information to the applicant node and/or the third party company node.
A blockchain system comprises a trading platform node, an applicant node and a third party company node;
the trading platform node is configured to execute the processing method for the deposit service based on the block chain disclosed in the above embodiment.
Compared with the prior art, the invention has the following beneficial effects:
the invention discloses a processing method of a security fund service based on a block chain, which is characterized in that a transaction platform node in a block chain system is utilized to receive a security fund service request initiated by an applicant node, the security fund transaction information is sent to a third-party company node for auditing under the condition that identity information and account information are verified, an intelligent contract is generated under the condition that security fund payment information and a transaction contract sent by the third-party company node are received, the intelligent contract is not falsified after being added with a digital signature, the security of a transaction platform is improved, the security fund service flow is automatically executed, excessive personnel participation is not needed, the processing efficiency of the security fund service is improved, and the intelligent contract is issued on the block chain, so that the execution of the intelligent contract is transparent.
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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flow chart of a processing method for a deposit service based on a block chain according to an embodiment of the present invention;
FIG. 2 is a flow chart illustrating a method for generating an intelligent contract according to an embodiment of the present invention;
FIG. 3 is a schematic flow chart of a method for executing a guarantee fund business flow by an intelligent contract according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a device for processing a deposit service based on a block chain according to an embodiment of the present invention.
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.
The present embodiment discloses a processing method for a deposit service based on a blockchain, which is applied to a transaction platform node in a blockchain system, where the blockchain system further includes an applicant node and a third-party company node, where the number of the transaction platform node, the number of the applicant node, and the number of the third-party company node are all at least 1, and specifically, referring to fig. 1, the processing method for a deposit service based on a blockchain includes the following steps:
s101: receiving a guarantee fund service request initiated by an applicant node, wherein the guarantee fund service request comprises guarantee fund transaction information which comprises identity information and account information;
that is, the deposit transaction information in the deposit service request at least includes identity information and account information, and may also include information such as the amount of deposit.
S102: verifying the identity information and the account information, storing the deposit transaction information under the condition that the verification is passed, and sending the deposit transaction information to a third-party company node;
the verification of the identity information and the account number comprises the following steps:
respectively carrying out validity check on the identity information and the account information, and detecting whether the identity information and the account information are legal or not, such as whether the digit of the identity card number is correct or not and whether the identity card number consists of a number or a number + X or not;
and under the condition that the validity of the identity information and the account information passes the verification, performing consistency verification on the identity information and the account information, and detecting whether the identity information is matched with the account information according to the corresponding relation between the identity information and the account information reserved by a bank.
The deposit transaction information is stored, and specifically, the deposit transaction information can be broadcasted at a transaction platform node in a block chain in a transaction form, so that the transaction platform node stores the deposit transaction information.
S103: under the condition that the guarantee fund payment information and a transaction contract sent by a third-party company node are received, generating an intelligent contract according to the guarantee fund transaction information and the transaction contract;
the purpose of sending the deposit transaction information to the third party company node is: and the third-party company node verifies the guarantee fund transaction information, and when the third-party company node passes the verification of the guarantee fund transaction information, a corresponding transaction contract is generated and sent to the transaction disk platform node.
In order to improve the generation efficiency of the intelligent contract, referring to fig. 2, the following provides a method for generating the intelligent contract:
s201: determining a type of the transaction contract;
the types of the trading contracts, such as the house trading guarantee trading contract and the vehicle trading guarantee trading contract are equal.
S202: determining an intelligent contract template corresponding to the type of the transaction contract;
s203: extracting the transaction information of the deposit and the intelligent contract element information in the transaction contract according to the intelligent contract template;
s204: and generating the intelligent contract according to the intelligent contract template and the intelligent contract element information.
Of course, the intelligent contract may be generated without using a template, but the manner in which the intelligent contract is generated using a template is more efficient.
S104: carrying out Hash encryption on the deposit transaction information, the transaction contract, the deposit payment information and the code of the intelligent contract to generate a digital signature, and storing the digital signature;
the intelligent contract can not be tampered after being added with the digital signature, and the safety of data can be improved.
S105: and issuing the intelligent contract to the block chain, and triggering the intelligent contract to execute the guarantee fund business process when detecting that the transaction contract is effective.
The intelligent contract defines the effective time of the trading contract, and when the current time is detected to reach the effective time of the trading contract, the trading contract automatically takes effect, the intelligent contract is triggered, and the deposit business process is automatically executed, please refer to fig. 3, and the execution method of the deposit business process is as follows:
s301: judging whether a third party company node initiates a deduction request in a freezing period after the deposit is frozen;
the freeze period is pre-set for the trade contract, such as one year.
If the guarantee fund is frozen and then the third party company node in the freezing period initiates a deduction request, S302: unfreezing the deposit, transferring the designated amount of the deposit in the deposit to an appointed account of a third-party company node, and reserving the residual fund in the deposit in an account of the applicant node;
s303: judging whether default behaviors exist in the applicant node or not in the process of fulfilling the transaction contract by the applicant node and the third-party company node;
if the applicant appoints account transfer to the third party company according to the date agreed by the contract, if the transfer is not carried out, the default action is not carried out, and if the transfer is not carried out, the default action is carried out.
If there is default behavior, S304: updating the state of the intelligent contract into a default state, generating a default record, and storing the default record into a block chain;
if no default behavior exists, S305: unfreezing the security deposit, updating the state of the intelligent contract into an end state, generating a contract end record, and storing the contract end record into a block chain;
if the third party company node does not initiate the deduction request in the freezing period after the guarantee fund is frozen, S306: the freezing period is postponed, the state of the intelligent contract is not changed, and S303 is executed.
In order to remind both trading parties in time when the state of the intelligent contract changes, contract state change information can be generated when the state of the intelligent contract changes, and the contract state change information is sent to the applicant node and/or the third-party company node.
And if the state of the intelligent contract is updated to the finished state, the finished state information is sent to the third-party company node, and if the state of the intelligent contract is updated to the default state, the default state information is sent to the applicant node and the third-party company node.
The processing method for the deposit service based on the block chain disclosed by the embodiment utilizes a transaction platform node in the block chain system to receive a deposit service request initiated by an applicant node, sends the deposit transaction information to a third-party company node for auditing under the condition that identity information and account information are verified, generates an intelligent contract under the condition that deposit payment information and a transaction contract sent by the third-party company node are received, is not falsifiable after the intelligent contract is added with a digital signature, improves the safety of a transaction platform, does not need excessive participation of personnel through an automatic deposit service execution process, improves the processing efficiency of the deposit service, and enables the execution of the intelligent contract to be transparent by issuing the intelligent contract on the block chain.
Based on the method for processing a deposit service based on a blockchain disclosed in the foregoing embodiment, this embodiment correspondingly discloses a device for processing a deposit service based on a blockchain, which is applied to a transaction platform node in a blockchain system, where the blockchain system further includes an applicant node and a third party company node, please refer to fig. 4, and the device includes:
a service request receiving unit 100, configured to receive a guarantee fund service request initiated by an applicant node, where the guarantee fund service request includes guarantee fund transaction information, and the guarantee fund transaction information includes identity information and account information;
an information verification unit 200, configured to verify the identity information and the account information, store the deposit transaction information when the verification passes, and send the deposit transaction information to the third-party company node;
the intelligent contract generating unit 300 is configured to generate an intelligent contract according to the deposit transaction information and the transaction contract when receiving the deposit payment information and the transaction contract sent by the third-party company node;
a digital signature generation unit 400, configured to perform hash encryption on the deposit transaction information, the transaction contract, the deposit payment information, and the code of the intelligent contract, generate a digital signature, and store the digital signature;
the intelligent contract execution unit 500 is configured to issue the intelligent contract to a blockchain, and when the transaction contract is detected to be valid, trigger the intelligent contract to execute a guarantee fund business process.
Optionally, the information verification unit 200 is specifically configured to:
respectively carrying out validity check on the identity information and the account information;
and under the condition that the validity of the identity information and the account information passes the verification, performing consistency verification on the identity information and the account information.
Optionally, the intelligent contract generating unit 300 is specifically configured to:
determining a type of the transaction contract;
determining an intelligent contract template corresponding to the type of the transaction contract;
extracting the guarantee fund transaction information and the intelligent contract element information in the transaction contract according to the intelligent contract template;
and generating the intelligent contract according to the intelligent contract template and the intelligent contract element information.
Optionally, the intelligent contract execution unit 500 is specifically configured to:
judging whether the third-party company node initiates a deduction request in a freezing period after the deposit is frozen;
if the deposit is frozen and a deduction request is initiated by the third-party company node in the freezing period, the deposit is unfrozen, the designated amount of the deposit in the deposit is transferred to an appointed account of the third-party company node, and the residual fund in the deposit is reserved in the account of the applicant node;
determining whether there is a breach of the applicant node in the process of fulfilling the transaction contract by the applicant node and the third party company node;
if the default behavior exists, updating the state of the intelligent contract into a default state, generating a default record, and storing the default record into a block chain;
if no default behavior exists, unfreezing the security deposit, updating the state of the intelligent contract into an ended state, generating a contract ending record, and storing the contract ending record into a block chain;
if the third party company node does not initiate a deduction request in the freezing period after the deposit is frozen, carrying out sequential delay on the freezing period, keeping the state of the intelligent contract unchanged, and executing the step of judging whether the applicant node has default behaviors or not in the process of fulfilling the transaction contract by the applicant node and the third party company node.
Optionally, the device further includes an intelligent reminding unit, specifically configured to:
generating contract state change information when detecting that the state of the intelligent contract changes;
sending the contract state change information to the applicant node and/or the third party company node.
The processing apparatus for a deposit transaction based on a blockchain disclosed in this embodiment receives a deposit transaction request initiated by an applicant node by using a transaction platform node in a blockchain system, sends the deposit transaction information to a third-party company node for auditing when identity information and account information are verified, and generates an intelligent contract when receiving deposit payment information and a transaction contract sent by the third-party company node, where the intelligent contract cannot be tampered after being added with a digital signature, so that the security of the transaction platform is improved.
The embodiment also discloses a blockchain system, which comprises a transaction platform node, an applicant node and a third party company node;
the trading platform node is used for executing the following processing method of the deposit service based on the block chain:
receiving a deposit service request initiated by an applicant node, wherein the deposit service request comprises deposit transaction information which comprises identity information and account information;
verifying the identity information and the account information, storing the deposit transaction information under the condition that the verification is passed, and sending the deposit transaction information to the third-party company node;
under the condition of receiving deposit payment information and a transaction contract sent by the third-party company node, generating an intelligent contract according to the deposit transaction information and the transaction contract;
carrying out Hash encryption on the deposit transaction information, the transaction contract, the deposit payment information and the code of the intelligent contract to generate a digital signature, and storing the digital signature;
and issuing the intelligent contract to a block chain, and triggering the intelligent contract to execute a guarantee fund business process when the transaction contract is detected to be effective.
Further, the verifying the identity information and the account information includes:
respectively carrying out validity check on the identity information and the account information;
and under the condition that the validity of the identity information and the account information passes the verification, performing consistency verification on the identity information and the account information.
Further, the generating of the intelligent contract according to the deposit transaction information and the transaction contract comprises:
determining a type of the transaction contract;
determining an intelligent contract template corresponding to the type of the transaction contract;
extracting the guarantee fund transaction information and the intelligent contract element information in the transaction contract according to the intelligent contract template;
and generating the intelligent contract according to the intelligent contract template and the intelligent contract element information.
Further, the executing the deposit business process includes:
judging whether the third-party company node initiates a deduction request in a freezing period after the deposit is frozen;
if the deposit is frozen and a deduction request is initiated by the third-party company node in the freezing period, the deposit is unfrozen, the designated amount of the deposit in the deposit is transferred to an appointed account of the third-party company node, and the residual fund in the deposit is reserved in the account of the applicant node;
determining whether there is a breach of the applicant node in the process of fulfilling the transaction contract by the applicant node and the third party company node;
if the default behavior exists, updating the state of the intelligent contract into a default state, generating a default record, and storing the default record into a block chain;
if no default behavior exists, unfreezing the security deposit, updating the state of the intelligent contract into an ended state, generating a contract ending record, and storing the contract ending record into a block chain;
if the third party company node does not initiate a deduction request in the freezing period after the deposit is frozen, carrying out sequential delay on the freezing period, keeping the state of the intelligent contract unchanged, and executing the step of judging whether the applicant node has default behaviors or not in the process of fulfilling the transaction contract by the applicant node and the third party company node.
Further, the method further comprises:
generating contract state change information when detecting that the state of the intelligent contract changes;
sending the contract state change information to the applicant node and/or the third party company node.
The block chain system disclosed in this embodiment utilizes a block chain technology to realize efficient, safe and transparent processing of the deposit guarantee service, improves the processing efficiency of the deposit guarantee service, and improves user experience.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, 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 identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A processing method of guarantee fund service based on blockchain is characterized in that the processing method is applied to a trading platform node in a blockchain system, the blockchain system further comprises an applicant node and a third party company node, and the method comprises the following steps:
receiving a deposit service request initiated by an applicant node, wherein the deposit service request comprises deposit transaction information which comprises identity information and account information;
verifying the identity information and the account information, storing the deposit transaction information under the condition that the verification is passed, and sending the deposit transaction information to the third-party company node;
under the condition of receiving deposit payment information and a transaction contract sent by the third-party company node, generating an intelligent contract according to the deposit transaction information and the transaction contract;
carrying out Hash encryption on the deposit transaction information, the transaction contract, the deposit payment information and the code of the intelligent contract to generate a digital signature, and storing the digital signature;
and issuing the intelligent contract to a block chain, and triggering the intelligent contract to execute a guarantee fund business process when the transaction contract is detected to be effective.
2. The method of claim 1, wherein the verifying the identity information and the account information comprises:
respectively carrying out validity check on the identity information and the account information;
and under the condition that the validity of the identity information and the account information passes the verification, performing consistency verification on the identity information and the account information.
3. The method of claim 1, wherein generating an intelligent contract based on the margin transaction information and the transaction contract comprises:
determining a type of the transaction contract;
determining an intelligent contract template corresponding to the type of the transaction contract;
extracting the guarantee fund transaction information and the intelligent contract element information in the transaction contract according to the intelligent contract template;
and generating the intelligent contract according to the intelligent contract template and the intelligent contract element information.
4. The method of claim 1, wherein the executing the deposit business process comprises:
judging whether the third-party company node initiates a deduction request in a freezing period after the deposit is frozen;
if the deposit is frozen and a deduction request is initiated by the third-party company node in the freezing period, the deposit is unfrozen, the designated amount of the deposit in the deposit is transferred to an appointed account of the third-party company node, and the residual fund in the deposit is reserved in the account of the applicant node;
determining whether there is a breach of the applicant node in the process of fulfilling the transaction contract by the applicant node and the third party company node;
if the default behavior exists, updating the state of the intelligent contract into a default state, generating a default record, and storing the default record into a block chain;
if no default behavior exists, unfreezing the security deposit, updating the state of the intelligent contract into an ended state, generating a contract ending record, and storing the contract ending record into a block chain;
if the third party company node does not initiate a deduction request in the freezing period after the deposit is frozen, carrying out sequential delay on the freezing period, keeping the state of the intelligent contract unchanged, and executing the step of judging whether the applicant node has default behaviors or not in the process of fulfilling the transaction contract by the applicant node and the third party company node.
5. The method of claim 4, further comprising:
generating contract state change information when detecting that the state of the intelligent contract changes;
sending the contract state change information to the applicant node and/or the third party company node.
6. A device for processing guarantee fund service based on blockchain, which is applied to a trading platform node in a blockchain system, wherein the blockchain system further comprises an applicant node and a third party company node, and the device comprises:
the system comprises a service request receiving unit, a service request processing unit and a service processing unit, wherein the service request receiving unit is used for receiving a deposit service request initiated by an applicant node, the deposit service request comprises deposit transaction information, and the deposit transaction information comprises identity information and account number information;
the information verification unit is used for verifying the identity information and the account information, storing the deposit transaction information under the condition that the verification is passed, and sending the deposit transaction information to the third-party company node;
the intelligent contract generating unit is used for generating an intelligent contract according to the guarantee fund transaction information and the transaction contract under the condition of receiving the guarantee fund payment information and the transaction contract sent by the third-party company node;
the digital signature generating unit is used for carrying out hash encryption on the deposit transaction information, the transaction contract, the deposit payment information and the code of the intelligent contract to generate a digital signature and storing the digital signature;
and the intelligent contract execution unit is used for issuing the intelligent contract to the block chain, and when the transaction contract is detected to be effective, the intelligent contract is triggered to execute the guarantee fund business process.
7. The apparatus according to claim 6, wherein the information checking unit is specifically configured to:
respectively carrying out validity check on the identity information and the account information;
and under the condition that the validity of the identity information and the account information passes the verification, performing consistency verification on the identity information and the account information.
8. The apparatus according to claim 6, wherein the intelligent contract generating unit is specifically configured to:
determining a type of the transaction contract;
determining an intelligent contract template corresponding to the type of the transaction contract;
extracting the guarantee fund transaction information and the intelligent contract element information in the transaction contract according to the intelligent contract template;
and generating the intelligent contract according to the intelligent contract template and the intelligent contract element information.
9. The apparatus according to claim 6, wherein the intelligent contract execution unit is specifically configured to:
judging whether the third-party company node initiates a deduction request in a freezing period after the deposit is frozen;
if the deposit is frozen and a deduction request is initiated by the third-party company node in the freezing period, the deposit is unfrozen, the designated amount of the deposit in the deposit is transferred to an appointed account of the third-party company node, and the residual fund in the deposit is reserved in the account of the applicant node;
determining whether there is a breach of the applicant node in the process of fulfilling the transaction contract by the applicant node and the third party company node;
if the default behavior exists, updating the state of the intelligent contract into a default state, generating a default record, and storing the default record into a block chain;
if no default behavior exists, unfreezing the security deposit, updating the state of the intelligent contract into an ended state, generating a contract ending record, and storing the contract ending record into a block chain;
if the third party company node does not initiate a deduction request in the freezing period after the deposit is frozen, carrying out sequential delay on the freezing period, keeping the state of the intelligent contract unchanged, and executing the step of judging whether the applicant node has default behaviors or not in the process of fulfilling the transaction contract by the applicant node and the third party company node.
10. A blockchain system comprising a trading platform node, an applicant node, and a third party company node;
the trading platform node is used for executing the processing method of the guarantee fund service based on the block chain according to any one of claims 1 to 5.
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