CN111861462A - Financial product transaction method and device based on block chain - Google Patents

Financial product transaction method and device based on block chain Download PDF

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Publication number
CN111861462A
CN111861462A CN202010684452.1A CN202010684452A CN111861462A CN 111861462 A CN111861462 A CN 111861462A CN 202010684452 A CN202010684452 A CN 202010684452A CN 111861462 A CN111861462 A CN 111861462A
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transaction
node
financial product
consensus
block chain
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CN111861462B (en
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祁伊祯
陈郑渊明
王飞
王艳红
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

Abstract

The invention provides a financial product transaction method and device based on a block chain, wherein the financial product transaction method based on the block chain comprises the following steps: the first node sends a transaction request to the consensus node; the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain; the second node executes a transaction with the first node according to the transaction data and the smart contract. The financial product transaction method and device based on the block chain improve the traditional financial product transaction method, and provide the financial product transaction method based on the block chain, which is efficient, safe and high in usability by combining the intelligent contract technology and the block chain transaction technology.

Description

Financial product transaction method and device based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to application of a block chain technology in the financial field, and specifically relates to a financial product transaction method and device based on a block chain.
Background
The account management is a core module of a financial product registration system, and only investors with legal accounts can conduct normal financial product transaction and share transaction. The account management mode of the existing financial product registration system is that five elements of an investor transaction account number, a sales network point, a seller, a financial product account number and a financial product company client ID are used as a unique certificate of the investor for subsequent transaction, and the problems of trust dependence, data non-sharing, complex flow and the like exist. In addition, in the prior art, fast trading of financial products (such as T +0 products) involves a large amount of financing operations, a very large amount of financing is required every day, a very high financing rate is generated, and real-time trading of such financial products has a trading time limitation problem.
Disclosure of Invention
Aiming at the problems in the prior art, the financial product transaction method and device based on the block chain, provided by the invention, apply the technologies such as intelligent contracts and encryption algorithms of the block chain to the account management of the financial products, and through the method, the interaction efficiency among all parties (financing sub-companies, sellers and customers) is improved, the customer experience is improved, and meanwhile, the account privacy of the customers is guaranteed.
In order to solve the technical problems, the invention provides the following technical scheme:
in a first aspect, the present invention provides a blockchain-based financial product transaction method, including:
the first node sends a transaction request to the consensus node;
the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain;
the second node executes a transaction with the first node according to the transaction data and the smart contract.
In one embodiment, the blockchain-based financial product transaction method further includes:
the first node encrypts the transaction request according to a pre-generated key;
and the consensus node and the second node decrypt the transaction request according to the pre-generated public key.
In one embodiment, the step of generating the key comprises: randomly selecting a preset number of characters as the secret key;
the step of generating the public key comprises: and calculating the public key according to the secret key by using an asymmetric encryption algorithm.
In one embodiment, the blockchain-based financial product transaction method further includes: calculating the physical address of the first node and the physical address of the second node, including:
the consensus node calculates the hash value of the public key;
and the consensus node determines the entity address of the first node and the entity address of the second node according to the hash value.
In a second aspect, the present invention provides a blockchain-based financial product transaction apparatus, comprising:
the transaction request sending unit is used for the first node to send a transaction request to the consensus node;
the transaction data generation unit is used for generating block transaction data by the consensus node according to a consensus mechanism and the transaction request and broadcasting the block transaction data to a block chain;
and the transaction execution unit is used for the second node to execute transaction with the first node according to the transaction data and the intelligent contract.
In one embodiment, the blockchain-based financial product transaction apparatus further includes:
The transaction request encryption unit is used for encrypting the transaction request by the first node according to a pre-generated secret key;
and the transaction request decryption unit is used for decrypting the transaction request by the consensus node and the second node according to the pre-generated public key.
In one embodiment, the blockchain-based financial product transaction apparatus further includes: the key generation unit is used for randomly selecting a preset number of characters as the key;
and the public key calculation unit is used for calculating the public key according to the secret key by using an asymmetric encryption algorithm.
In one embodiment, the blockchain-based financial product transaction apparatus further includes: an entity address calculation unit configured to calculate an entity address of the first node and an entity address of the second node, the entity address calculation unit including:
the hash value calculation module is used for calculating the hash value of the public key by the consensus node;
and the entity address determining module is used for determining the entity address of the first node and the entity address of the second node by the consensus node according to the hash value.
In a third aspect, the present invention provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the blockchain based financial product transaction method when executing the program.
In a fourth aspect, the present invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of a blockchain based financial product transaction method.
As can be seen from the above description, in the method and apparatus for trading a financial product based on a blockchain according to an embodiment of the present invention, a first node sends a trading request to a consensus node; then, the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain; and finally, the second node executes transaction with the first node according to the transaction data and the intelligent contract. The invention utilizes the basic characteristics of account uniqueness, non-tamper property, intelligent contracts and the like of the block chain to improve the traditional financial product transaction method, and combines the intelligent contract technology and the block chain transaction technology to provide the block chain-based financial product transaction method with high efficiency, safety and strong usability.
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 introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
FIG. 1 is a first flowchart illustrating a method for block chain based financial product transactions according to an embodiment of the present invention;
FIG. 2 is a block chain based financial product transaction process diagram of an embodiment of the present invention;
fig. 3 is a schematic flow chart of a method for generating the key according to an embodiment of the present invention;
FIG. 4 is a schematic flow chart illustrating a method for generating a transaction account entity address according to an embodiment of the present invention;
FIG. 5 is a block chain based financial product transaction method according to an embodiment of the present invention;
FIG. 6 is a flowchart of step 700 in an embodiment of the present invention;
FIG. 7 is a flow chart illustrating a method for block chain based financial product transactions in an exemplary embodiment of the present invention;
FIG. 8 is a diagram comparing the prior art and the scenario of a block chain-based financial product transaction method according to an embodiment of the present invention;
FIG. 9 is a block chain node structure diagram in an exemplary embodiment of the present invention;
FIG. 10 is a schematic diagram of a smart contract flow process in an exemplary embodiment of the present invention;
FIG. 11 is a block diagram of a first embodiment of a blockchain-based financial product transaction apparatus according to the present invention;
FIG. 12 is a block diagram of a block chain-based financial product transaction apparatus according to an embodiment of the present invention;
FIG. 13 is a block diagram of a block chain-based financial product transaction apparatus according to an embodiment of the present invention;
FIG. 14 is a block diagram of a block chain-based financial product transaction apparatus according to an embodiment of the present invention;
FIG. 15 is a block diagram of a physical address calculation unit according to an embodiment of the present invention;
fig. 16 is a schematic structural diagram of an electronic device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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 some, but not all, embodiments of the present invention. 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.
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.
It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of this application and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
An embodiment of the present invention provides a specific implementation of a block chain-based financial product transaction method, and referring to fig. 1, the method specifically includes the following steps:
step 100: the first node sends a transaction request to the consensus node.
It is understood that the first node is a client node, and in addition, the step 100 may be implemented as follows: a financial product transaction entity (e.g., a common node, i.e., a customer) initiates a transaction (real-time subscription, real-time redemption) using the private key in the customer's transaction account ID.
Step 200: and the consensus node generates block transaction data according to a consensus mechanism and the transaction request and broadcasts the block transaction data to a block chain.
The blockchain consensus node receives financial product transaction data sent by the transaction node, the registration node, the clearing node and the common node in a blockchain transaction mode, performs consensus processing on the data and broadcasts the data to the blockchain network. The formulation mechanism in step 200 is a process of achieving a uniform agreement on the state of the network in a decentralized manner,
step 300: the second node executes a transaction with the first node according to the transaction data and the smart contract.
The Smart contract (Smart contract) in step 300 is a computer protocol intended to propagate, verify or execute contracts in an informational manner. Smart contracts allow trusted transactions to be conducted without third parties, which transactions are traceable and irreversible. Specifically, after the second node acquires the transaction confirmation result from the blockchain, the financial product transaction intelligent contract is executed, and fund transfer (transaction execution) can be performed to the corresponding first node.
As can be seen from the above description, in the financial product transaction method based on the blockchain according to the embodiment of the present invention, the first node sends a transaction request to the consensus node; then, the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain; and finally, the second node executes transaction with the first node according to the transaction data and the intelligent contract. The invention utilizes the basic characteristics of account uniqueness, non-tamper property, intelligent contracts and the like of the block chain to improve the traditional financial product transaction method, and combines the intelligent contract technology and the block chain transaction technology to provide the block chain-based financial product transaction method with high efficiency, safety and strong usability.
In one embodiment, referring to fig. 2, the method for trading a financial product based on a blockchain further comprises:
step 400: the first node encrypts the transaction request according to a pre-generated key.
Step 500: and the consensus node and the second node decrypt the transaction request according to the pre-generated public key.
In step 400 and step 500, each financial product transaction account entity has a key pair: a private Key (SK) for generating a signature to ensure that the transaction is not tampered with and to confirm the identity of the transaction issuer, and a Public Key (PK) for obtaining blockchain transaction data and verifying the identity of the financial product transaction initiator, wherein a financial product transaction account entity Address (AID) is generated from the Public Key for identifying the account entity.
In one embodiment, referring to fig. 3, the step of generating the key includes:
step 601: and randomly selecting a preset number of characters as the secret key.
Step 602: the step of generating the public key comprises: and calculating the public key according to the secret key by using an asymmetric encryption algorithm.
Referring to fig. 4, 32 characters are specifically randomly selected as the private key (SK).
Selecting an asymmetric encryption algorithm to generate a Public Key (PK), namely calculating by adopting an SECP256K1 elliptic curve, namely: PK — SK × G (SECP256K1 elliptic curve algorithm).
In one embodiment, referring to fig. 4 and 5, the method for trading a financial product based on a blockchain further includes:
step 700: and calculating the physical address of the first node and the physical address of the second node.
Referring to fig. 6, further, step 700 further includes:
step 701: the consensus node calculates the hash value of the public key;
step 702: and the consensus node determines the entity address of the first node and the entity address of the second node according to the hash value.
In steps 701 and 702, by calculating the SHA-256 hash value of the Public Key (PK) as the entity address: AID (physical address) ═ h (pk). In addition, the physical address is also referred to herein as an entity identifier (AID), which is both an address of a financial product account on the blockchain and an account of a money transfer under the blockchain. The account management mode of financial product transaction based on block chain 'three-in-one (transaction account of seller, TA account of financing sub-company and clearing account)' not only facilitates fund transaction process, improves transaction efficiency, but also provides privacy protection for customer account.
As can be seen from the above description, in the financial product transaction method based on the blockchain according to the embodiment of the present invention, the first node sends a transaction request to the consensus node; then, the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain; and finally, the second node executes transaction with the first node according to the transaction data and the intelligent contract. According to the embodiment of the invention, the technologies such as intelligent contracts of block chains, encryption algorithms and the like are applied to fund account management, so that the interaction efficiency among all parties (financing sub-companies, sellers and customers) is improved, the customer experience is improved, and the customer account privacy is ensured.
To further illustrate the present solution, the present invention provides a specific application example of the block chain-based financial product transaction method, including the following contents, by taking the T +0 product redemption transaction scenario as an example, see fig. 7 and fig. 8.
Referring to fig. 8, the existing fund account management mode T +0 product redemption transaction flow is as follows:
before T day 15:30, the customer initiates a T +0 product redemption transaction application;
before T day 15:30, the seller checks the transaction (customer identity check, share check);
before T15: 30, after the transaction verification is passed, the seller places a fund-making account to transfer money for the customer;
after 17:00 of T day, the seller sends the transaction file of T day to a registration system (TA);
before 9:00 of T +1 day, the registration system (TA) sends a transaction confirmation file to the seller;
after receiving the confirmation document at day T +1, the seller makes the funding account funding share for strong redemption.
As can be seen from the above description, the T +0 product in the prior art involves a large amount of bedding operation, requires a very large amount of bedding money every day, will generate a very high bedding charge rate, and the real-time transaction of the current T +0 product has a transaction time limitation problem (day T + 1).
Fig. 9 is a block chain node structure diagram related in this embodiment, which includes a transaction node, a registration node, a clearing node, and a common node, where the main functions of each node are as follows:
201 transaction Node (Node)trans): smart contracts for performing fund transactions and using key pairs (SK, PK) of blockchain transaction nodestransA request or confirmation of a fund transaction is sent or received to the blockchain.
202 register Node (Node)regist): smart contracts for performing fund registration and data storage, also registering node key pairs (SK, PK) according to block chainsregistSending or receiving confirmation or application information of the fund transaction to the blockchain.
203 clearing Node (Node)expose): for executing intelligent contracts for clearing funds, a key pair (SK, PK) of a clearing node may be usedexposeAnd acquiring confirmation information of fund transaction from the blockchain network.
204 common node(Nodeclient): namely a common client node, which is equivalent to the client of a fund transaction user and can use the private key SK of the common client nodeclientFor generating a fund transaction application request and sending the application to the blockchain, and also using the public key PKclientFund transaction information is obtained from a blockchain network.
205 blockchain consensus node (N)1,...,Nm): receiving fund transaction data sent by a transaction node, a registration node, a clearing node and a common node in a blockchain transaction form, performing consensus processing on the data, and broadcasting the data to a blockchain network, wherein a key pair of the consensus node is as follows:
Figure BDA0002587033670000071
S1: the generic node initiates a redemption transaction application using the customer's private key.
In particular, a common Node (Node)client) Using the private Key SK of the clientclientInitiating a redemption transaction application to be identified by the blockchain consensus node (N)1,...,Nm) Generating corresponding transaction data blocks according to the consensus mechanism and broadcasting the transaction data to the block chain, transaction Nodetrans) And a registration Node (Node)regist) May use their corresponding public keys PKtransAnd PKregistThe transaction request is received from the blockchain.
S2: the registration node validates the transaction using a registration intelligent contract in the registration node.
Registration Node (Node)regist) After receiving the transaction application, the transaction is confirmed by using the registered intelligent contract in the registration node, and the private key SK of the transaction is usedregistRecording the transaction confirmation result into the blockchain;
s3: and after the transaction node acquires the transaction confirmation result from the block chain, executing the fund service transaction intelligent contract.
Transaction Node (Node)trans) Using PKtransAfter obtaining the transaction confirmation result from the block chain, executing fund service transactionSmart contracts, which in this example may correspond to common nodes (nodes)client) And carrying out fund transfer.
Wherein data published into the blockchain is accessible through the public key of the recipient, depending on the nature of the blockchain transaction. In addition, the transaction pattern is processed in real time for 24 hours.
Compared with financial product transaction methods based on block chains respectively provided by the prior art and the specific application example, the transaction flow of the existing transaction scene of the T +0 product is complex and limited by transaction time, the overall transaction efficiency is low, and the transaction scene is not a true transaction of the T +0 product, and relatively, the method provided by the specific application example supports 24-hour transaction processing, really realizes the real-time transaction processing of the T +0 product, facilitates the circulation of fund transactions, improves the transaction efficiency, and also expands the service scene of the fund transactions.
Referring to fig. 10, the specific application example further provides an intelligent contract execution flow chart based on the block chain-based financial product transaction method provided by the present invention, and the flow chart is as follows:
step 401: and (5) making an intelligent contract.
The invention relates to a method for realizing block chain transaction, which comprises the following steps that two parties of the block chain transaction reach consensus on transaction terms and are compiled into intelligent contract codes; in addition, the two transaction parties in the invention refer to an initiator and a receiver of the fund transaction, and no matter the initiator or the receiver is a fund transaction entity (or a certain functional node), the initiator or the receiver has a unique and non-falsifiable transaction account ID: { AID, (SK, PK) }.
Step 402: triggering an intelligent contract event.
In particular, the transaction event triggering the execution of a transaction contract, referred to herein as a funded transaction entity (e.g., a common node, i.e., a customer) using the private key SK in the customer's transaction account IDclientInitiated transaction (real-time subscription, real-time redemption).
Step 403: and confirming the transaction result.
Registration node transacting public key PK in account ID using registration noderegistAnd executing the registration intelligent contract, and confirming the fund transaction according to the preset adding condition.
Step 404: and (4) transferring the funds of the customer.
The recipient entities (here, ordinary nodes and transaction nodes) of the fund transaction confirmation are based on the private key (SK) in the corresponding transaction account IDclientAnd SKtrans) Acquiring a fund transaction confirmation result; if the assets on the block chain are assets, the fund clearing transfer is automatically completed; and if the fund is the down-block-chain fund, performing fund clearing update according to the transaction confirmation result.
As can be seen from the above description, in the financial product transaction method based on the blockchain according to the embodiment of the present invention, the first node sends a transaction request to the consensus node; then, the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain; and finally, the second node executes transaction with the first node according to the transaction data and the intelligent contract. The specific application example of the invention combines the transaction account of the seller, the TA account of the financing sub-company and the clearing account of the client, realizes the three-in-one in the financial product transaction, improves the interaction efficiency in the original financial registration system, expands the investment scene of the client, thereby increasing the loyalty of the client and improving the satisfaction degree of the client. In addition, the invention remodels the capital investment flow in the financial product transaction process, realizes real-time/quasi-real-time capital clearing without the capital investment of a seller, optimizes the transaction mode of the financial product and supports the real-time transaction scene of the financial product for 24 hours. For the aspect of customer account privacy, the invention utilizes an elliptic curve algorithm and a hash abstract to generate a financial product account identifier, and a customer conducts fund and financing transaction by using the identifier, thereby providing guarantee for the customer account privacy.
Based on the same inventive concept, the present application further provides a financial product transaction apparatus based on a block chain, which can be used to implement the method described in the above embodiments, such as the following embodiments. Because the principle of solving the problems of the financial product transaction device based on the blockchain is similar to that of the financial product transaction method based on the blockchain, the implementation of the financial product transaction device based on the blockchain can be implemented by referring to the implementation of the financial product transaction method based on the blockchain, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. While the system described in the embodiments below is preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.
An embodiment of the present invention provides a specific implementation of a block chain-based financial product transaction apparatus capable of implementing a block chain-based financial product transaction method, and referring to fig. 11, the block chain-based financial product transaction apparatus specifically includes the following contents:
a transaction request sending unit 10, configured to send a transaction request to a consensus node by a first node;
A transaction data generating unit 20, configured to generate block transaction data according to a consensus mechanism and the transaction request by the consensus node, and broadcast the block transaction data to a block chain;
and the transaction execution unit 30 is used for the second node to execute transaction with the first node according to the transaction data and the intelligent contract.
In one embodiment, referring to fig. 12, the blockchain-based financial product transaction apparatus further includes:
a transaction request encryption unit 40, configured to encrypt the transaction request according to a pre-generated key by the first node;
and the transaction request decryption unit 50 is used for decrypting the transaction request by the consensus node and the second node according to the pre-generated public key.
In one embodiment, referring to fig. 13, the blockchain-based financial product transaction apparatus further includes:
a key generating unit 60 configured to randomly select a preset number of characters as the key;
a public key calculating unit 70, configured to calculate the public key according to the secret key by using an asymmetric encryption algorithm.
In one embodiment, referring to fig. 14, the blockchain-based financial product transaction apparatus further includes: an entity address calculation unit 80, configured to calculate an entity address of the first node and an entity address of the second node, referring to fig. 15, where the entity address calculation unit 80 includes:
A hash value calculation module 801, configured to calculate a hash value of the public key by the consensus node;
an entity address determining module 802, configured to determine, by the consensus node, an entity address of the first node and an entity address of the second node according to the hash value.
As can be seen from the above description, in the financial product transaction apparatus based on blockchain according to the embodiment of the present invention, the first node sends a transaction request to the consensus node; then, the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain; and finally, the second node executes transaction with the first node according to the transaction data and the intelligent contract. The invention utilizes the basic characteristics of account uniqueness, non-tamper property, intelligent contracts and the like of the block chain, improves the traditional financial product transaction method, combines the intelligent contract technology and the block chain transaction technology, and provides the block chain-based financial product transaction device with high efficiency, safety and strong usability.
The apparatuses, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or implemented by a product with certain functions. A typical implementation device is an electronic device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
In a typical example, the electronic device specifically includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor executes the program to implement the steps of the above block chain-based financial product transaction method, the steps including:
step 100: the first node sends a transaction request to the consensus node;
step 200: the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain;
step 300: the second node executes a transaction with the first node according to the transaction data and the smart contract.
Referring now to FIG. 16, shown is a schematic diagram of an electronic device 600 suitable for use in implementing embodiments of the present application.
As shown in fig. 16, the electronic apparatus 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, an embodiment of the present invention includes a computer-readable storage medium having stored thereon a computer program that, when executed by a processor, implements the steps of the above blockchain-based financial product transaction method, the steps including:
step 100: the first node sends a transaction request to the consensus node;
Step 200: the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain;
step 300: the second node executes a transaction with the first node according to the transaction data and the smart contract.
In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.
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.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
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.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
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 of block chain based financial product transaction, comprising:
the first node sends a transaction request to the consensus node;
the consensus node generates block transaction data according to a consensus mechanism and the transaction request, and broadcasts the block transaction data to a block chain;
the second node executes a transaction with the first node according to the transaction data and the smart contract.
2. The financial product transaction method of claim 1, further comprising:
the first node encrypts the transaction request according to a pre-generated key;
and the consensus node and the second node decrypt the transaction request according to the pre-generated public key.
3. The financial product transaction method of claim 2, wherein the step of generating the key comprises: randomly selecting a preset number of characters as the secret key;
the step of generating the public key comprises: and calculating the public key according to the secret key by using an asymmetric encryption algorithm.
4. The financial product transaction method of claim 2, further comprising: calculating the physical address of the first node and the physical address of the second node, including:
The consensus node calculates the hash value of the public key;
and the consensus node determines the entity address of the first node and the entity address of the second node according to the hash value.
5. A blockchain-based financial product transaction apparatus, comprising:
the transaction request sending unit is used for the first node to send a transaction request to the consensus node;
the transaction data generation unit is used for generating block transaction data by the consensus node according to a consensus mechanism and the transaction request and broadcasting the block transaction data to a block chain;
and the transaction execution unit is used for the second node to execute transaction with the first node according to the transaction data and the intelligent contract.
6. The financial product transaction apparatus of claim 5, further comprising:
the transaction request encryption unit is used for encrypting the transaction request by the first node according to a pre-generated secret key;
and the transaction request decryption unit is used for decrypting the transaction request by the consensus node and the second node according to the pre-generated public key.
7. The financial product transaction apparatus of claim 6, further comprising: the key generation unit is used for randomly selecting a preset number of characters as the key;
And the public key calculation unit is used for calculating the public key according to the secret key by using an asymmetric encryption algorithm.
8. The financial product transaction apparatus of claim 6, further comprising: an entity address calculation unit configured to calculate an entity address of the first node and an entity address of the second node, the entity address calculation unit including:
the hash value calculation module is used for calculating the hash value of the public key by the consensus node;
and the entity address determining module is used for determining the entity address of the first node and the entity address of the second node by the consensus node according to the hash value.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program performs the steps of the blockchain based financial product transaction method of any one of claims 1 to 4.
10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program performs the steps of the blockchain based financial product transaction method of any one of claims 1 to 4.
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