CN111724264A - Financial asset trusteeship system based on block chain - Google Patents
Financial asset trusteeship system based on block chain Download PDFInfo
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- CN111724264A CN111724264A CN202010510073.0A CN202010510073A CN111724264A CN 111724264 A CN111724264 A CN 111724264A CN 202010510073 A CN202010510073 A CN 202010510073A CN 111724264 A CN111724264 A CN 111724264A
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Abstract
The invention discloses a financial asset hosting system based on a block chain, which comprises block chain bottom layer data and an asset hosting system, wherein the asset hosting system runs on the block chain bottom layer data. The hosting system runs in the bottom data of the blockchain network, so that the contact between a hosting person and a hosted party is more transparent, information is not falsified, virtual assets can be set through the intervention of the blockchain network, data recording and statistics of flowing assets are facilitated, the movement of the assets can be observed in real time through user login, and corresponding assets can be timely exchanged to the hosted party; the decentralized asset hosting of the block chain constructs an asset hosting mode independent of a single mechanism or an individual, and the assets are classified, so that the assets of a user can be changed at any time through different asset types and different hosted parties, and the problem of safety of centralized transaction is solved.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a financial asset hosting system based on a block chain.
Background
Blockchains are a term of art in information technology. In essence, the system is a shared database, and the data or information stored in the shared database has the characteristics of 'unforgeability', 'whole-course trace', 'traceability', 'public transparency', 'collective maintenance', and the like. Based on the characteristics, the block chain technology lays a solid 'trust' foundation, creates a reliable 'cooperation' mechanism and has wide application prospect.
The asset hosting service refers to a service in which a commercial bank with a certain qualification is used as a host, and a consignment asset hosting contract is signed with a consignor according to related laws and regulations, so that assets of consignment investment are safely kept, and related duties of the consignor are fulfilled. The banking hosting business is of a wide variety including security investment fund hosting, entrusted asset hosting, social security fund hosting, enterprise annuity hosting, trusted asset hosting, rural social security fund hosting, basic endowment insurance personal account hosting, supplemental medical insurance fund hosting, balance account hosting, QFII (qualified overseas investor) hosting, valuables hosting, and the like.
In the process of hosting financial assets, because of a plurality of types of financial assets and a plurality of hosted parties with hosting qualifications, each hosted party can not effectively communicate information when asset management is carried out, in the current society, the hosting process is complex and poor in liquidity, and because the hosted party does not use an operation mode, hosting rules are different, different hosted parties do not approve hosting contracts of another hosted party, assets of a hosting person are abnormally stopped without clearing, the hosted parties lose hosting qualifications, and certain property loss is caused to the hosting person.
Disclosure of Invention
The present invention is directed to a block chain-based financial asset hosting system, which solves the above problems of the prior art.
In order to achieve the purpose, the invention provides the following technical scheme: a blockchain-based financial asset hosting system comprising blockchain underlying data and an asset hosting system, the asset hosting system running on top of the blockchain underlying data, a blockchain network of the blockchain underlying data comprising a user entry node, a hosted authentication node, a protocol entry node, an asset identification node, and a mobile terminal, the asset hosting system further comprising:
a user input module: the user inputs personal information into the block chain network for storage through a user input node of the block chain network, the block chain network feeds back a public key and a digital signature in an asymmetric key pair to the user, and the public key and the digital signature in the asymmetric key pair are used for user login;
an asset classification module: carrying out asset classification on assets of users, and storing the classified assets into a block chain network according to batches and types for data storage;
and (3) determining the asset identification: the asset identification is used for recording the liquidity of assets, firstly, data identification is carried out on assets which are classified in a block chain network and flow data are divided from the total assets when the assets flow, the records are simultaneously recorded into the block chain network through asset identification nodes for data storage after the division is finished, the classified assets are divided into a plurality of identification coins according to the size of the assets, the asset coins flow in the block chain network along with the flow of the assets in the flowing process of the assets, so that the total amount of the asset coins stored in the block chain network and the flowing asset coins is ensured to be unchanged, and when the asset coins in the block chain network are zero, transactions requested again are fed back to a mobile terminal of a user for canceling the transactions;
the transaction information acquisition module and the protocol signing module: a user logs in a public key and a digital signature in an asymmetric key pair, transaction data are recorded into a block chain network for data storage by using a protocol entry node in the transaction process, and a protocol is converted into a protocol signature to be recorded into the block chain network for data storage;
supported pipe side: the managed party is used for processing assets of users, and when the managed party performs asset management, asset management or asset flowing is performed once, and meanwhile data are recorded into the blockchain network for data storage through a managed party verification node of the blockchain network.
Preferably, the asset classification module may classify assets into security investment funds, commission assets, social security funds, enterprise annuals, trust assets, rural social security funds, and the like.
Preferably, after the asset classification module classifies the assets, a plurality of nodes in the block chain network manage the managed assets together.
Compared with the prior art, the invention has the beneficial effects that:
(1) the hosting system runs in the bottom data of the blockchain network, so that the contact between a hosting person and a hosted party is more transparent, the information is not tampered, a plurality of hosted parties can share the information through the verification node in the blockchain network, and the hosted parties holding the asset certificate can obtain the corresponding type assets entrusted by the hosting person;
(2) the virtual assets can be set through the intervention of the block chain network, so that data recording and statistics can be conveniently carried out on the flowing assets, the movement of the assets can be observed in real time through user login, and corresponding assets can be timely exchanged to a managed party;
(3) the decentralized asset hosting of the block chain constructs an asset hosting mode independent of a single mechanism or an individual, and the assets are classified, so that the assets of a user can be changed at any time through different asset types and different hosted parties, and the problem of safety of centralized transaction is solved.
Drawings
FIG. 1 is a schematic diagram of the system of the present invention;
FIG. 2 is a block chain network and node connection structure 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.
Referring to fig. 1-2, the present invention provides a technical solution: a blockchain-based financial asset hosting system comprising blockchain underlying data and an asset hosting system, the asset hosting system running on top of the blockchain underlying data, a blockchain network of the blockchain underlying data comprising a user entry node, a hosted authentication node, a protocol entry node, an asset identification node, and a mobile terminal, the asset hosting system further comprising:
a user input module: the user inputs personal information into the block chain network for storage through a user input node of the block chain network, the block chain network feeds back a public key and a digital signature in an asymmetric key pair to the user, and the public key and the digital signature in the asymmetric key pair are used for user login;
an asset classification module: carrying out asset classification on assets of users, and storing the classified assets into a block chain network according to batches and types for data storage;
and (3) determining the asset identification: the asset identification is used for recording the liquidity of assets, firstly, data identification is carried out on assets which are classified in a block chain network and flow data are divided from the total assets when the assets flow, the records are simultaneously recorded into the block chain network through asset identification nodes for data storage after the division is finished, the classified assets are divided into a plurality of identification coins according to the size of the assets, the asset coins flow in the block chain network along with the flow of the assets in the flowing process of the assets, so that the total amount of the asset coins stored in the block chain network and the flowing asset coins is ensured to be unchanged, and when the asset coins in the block chain network are zero, transactions requested again are fed back to a mobile terminal of a user for canceling the transactions;
the transaction information acquisition module and the protocol signing module: a user logs in a public key and a digital signature in an asymmetric key pair, transaction data are recorded into a block chain network for data storage by using a protocol entry node in the transaction process, and a protocol is converted into a protocol signature to be recorded into the block chain network for data storage;
supported pipe side: the managed party is used for processing assets of users, and when the managed party performs asset management, asset management or asset flowing is performed once, and meanwhile data are recorded into the blockchain network for data storage through a managed party verification node of the blockchain network.
Preferably, the asset classification module may classify assets into security investment funds, commission assets, social security funds, enterprise annuals, trust assets, rural social security funds, and the like.
Preferably, after the asset classification module classifies the assets, a plurality of nodes in the block chain network manage the managed assets together.
The working principle is as follows: firstly, a user inputs personal information into a blockchain network for storage through a user input node of the blockchain network, the blockchain network feeds back a public key and a digital signature in an asymmetric key pair to the user, the public key and the digital signature in the asymmetric key pair are used for user login, then the assets of the user are classified, the classified assets are input into the blockchain network for data storage through different blockchain input nodes according to the types and the difference of managed parties, then the assets which are classified into the blockchain network are subjected to data identification, when the assets flow, the flowing data are divided from the total assets, after the division is finished, the records are simultaneously input into the blockchain network for data storage through an asset identification node, and the classified assets are divided into a plurality of identification coins according to the sizes of the assets, in the process of asset flowing, the asset currency also flows in the blockchain network along with the flowing of the asset, so that the total amount of the asset currency stored in the blockchain network and the flowing asset currency is ensured to be unchanged, when the asset currency in the blockchain network is zero, the transaction requested again is fed back to the mobile terminal of the user again for canceling the transaction, the user logs in the public key and the digital signature in the asymmetric key pair, the transaction data is processed by the managed party, the data is also recorded into the blockchain network by using the protocol recording node for data storage in the process of transaction processing, and the protocol is converted into the protocol signature to be recorded into the blockchain network for data storage; and the managed party is used for processing the assets of the user, and when the managed party performs asset management, the managed party performs asset management or asset flowing once and simultaneously records data into the blockchain network through the managed party verification node of the blockchain network for data storage.
The related modules involved in the system are all hardware system modules or functional modules combining computer software programs or protocols with hardware in the prior art, and the computer software programs or the protocols involved in the functional modules are all known in the technology of persons skilled in the art, and are not improvements of the system; the improvement of the system is the interaction relation or the connection relation among all the modules, namely the integral structure of the system is improved, so as to solve the corresponding technical problems to be solved by the system.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (3)
1. A blockchain based financial asset hosting system comprising blockchain underlying data and an asset hosting system running on top of the blockchain underlying data, characterized in that: the blockchain network of the blockchain underlying data comprises a user input node, a hosted party verification node, a protocol input node, an asset identification node and a mobile terminal, and the asset hosting system further comprises:
a user input module: the user inputs personal information into the block chain network for storage through a user input node of the block chain network, the block chain network feeds back a public key and a digital signature in an asymmetric key pair to the user, and the public key and the digital signature in the asymmetric key pair are used for user login;
an asset classification module: carrying out asset classification on assets of users, and storing the classified assets into a block chain network according to batches and types for data storage;
and (3) determining the asset identification: the asset identification is used for recording the liquidity of assets, firstly, data identification is carried out on assets which are classified in a block chain network and flow data are divided from the total assets when the assets flow, the records are simultaneously recorded into the block chain network through asset identification nodes for data storage after the division is finished, the classified assets are divided into a plurality of identification coins according to the size of the assets, the asset coins flow in the block chain network along with the flow of the assets in the flowing process of the assets, so that the total amount of the asset coins stored in the block chain network and the flowing asset coins is ensured to be unchanged, and when the asset coins in the block chain network are zero, transactions requested again are fed back to a mobile terminal of a user for canceling the transactions;
the transaction information acquisition module and the protocol signing module: a user logs in a public key and a digital signature in an asymmetric key pair, transaction data are recorded into a block chain network for data storage by using a protocol entry node in the transaction process, and a protocol is converted into a protocol signature to be recorded into the block chain network for data storage;
supported pipe side: the managed party is used for processing assets of users, and when the managed party performs asset management, asset management or asset flowing is performed once, and meanwhile data are recorded into the blockchain network for data storage through a managed party verification node of the blockchain network.
2. The blockchain-based financial asset hosting system of claim 1 wherein: the asset classification module may classify assets into security investment funds, commission assets, social security funds, enterprise annuals, trust assets, rural social security funds, and the like.
3. The blockchain-based financial asset hosting system of claim 1 wherein: after the assets are classified by the asset classification module, a plurality of nodes in the block chain network manage the managed assets together.
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| CN202010510073.0A CN111724264B (en) | 2020-06-08 | 2020-06-08 | Financial asset trusteeship system based on block chain |
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| CN112561384A (en) * | 2020-12-23 | 2021-03-26 | iCALC控股有限公司 | Engine-based data processing method, device and equipment and readable storage medium |
| CN112800299A (en) * | 2021-03-12 | 2021-05-14 | iCALC控股有限公司 | Data processing method, device and equipment based on block chain and readable storage medium |
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| CN112561384B (en) * | 2020-12-23 | 2023-12-01 | iCALC控股有限公司 | Engine-based data processing method, device, equipment and readable storage medium |
| CN112800299A (en) * | 2021-03-12 | 2021-05-14 | iCALC控股有限公司 | Data processing method, device and equipment based on block chain and readable storage medium |
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