CN112015809B - Financial data management method, blockchain network system and electronic equipment - Google Patents
Financial data management method, blockchain network system and electronic equipment Download PDFInfo
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Abstract
The invention provides a financial data management method based on a blockchain, which is applied to a blockchain network, wherein the blockchain network comprises a management node and a query node, and the financial data management method comprises the following steps: the management node acquires user data and encrypts and stores the user data as block data to a block chain; the management node broadcasts updated block data to all other nodes of the blockchain network; the query node acquires updated block data from the block chain network to update the local block chain, judges whether to accept users in the updated block data according to the updated block data, calculates quotation information for the accepted users, and sends the quotation information to the management node. The invention comprehensively manages the user data, the financial data and the like of each financial institution through the blockchain technology, can more effectively manage the financial data and can improve the safety of the data.
Description
Technical Field
The present invention relates to the field of blockchain technologies, and in particular, to a blockchain-based financial data management method, a blockchain network system, an electronic device, and a computer readable medium.
Background
Blockchain technology, also known as distributed ledger technology, is essentially a decentralized, distributed internet database. A network employing a blockchain architecture may be considered a blockchain network that includes a plurality of blockchain nodes, any of which may correspond to at least one blockchain, and any of which may include at least one block.
In the prior art, blockchain applications can be divided into two categories: public chain: all nodes can participate in consensus, competitive accounting rights. A public chain is a blockchain that is public-oriented, can be read, sent, and can be effectively validated by any individual or group. The data are disclosed. The method is characterized in that: neutral, open, slow in transaction, requiring "mining" or similar consensus methods, commonly used P2P networks, have high censoring resistance. License chain: only licensed nodes can agree on, compete for accounting rights and create blocks, including all non-public chains such as private chains, federation chains, enterprise chains, etc. The data may or may not be disclosed. The private chain refers to a blockchain with writing authority in an organization hand; alliance chains refer to blockchains that are controlled by several individuals or organizations, companies, governments. The license chain is characterized in that: the transaction speed is high, the whole network consensus of mining class is not needed, the transaction cost is low (the transaction only needs to be verified by a plurality of permission nodes); it can be examined that it will occupy the main stream of commercial application fields.
Blockchain as an emerging technology, there are two main problems with current blockchain technology: 1) The "decentralization" of the core value of the blockchain requires as many blockchain links as possible to run all data nodes, but as the blockchain data volume grows, the time spent in sharing data and consensus increases, thus imposing a storage burden on the blocks, and more nodes will not be able to run all data nodes. 2) Processing transactions on one chain, considering the numerous blockchain links, can easily lead to blockchain network congestion when there is a consensus demand. In addition, the method aims at solving the problems that the existing internet financial open platform data matching is not accurate enough, a user cannot obtain relatively accurate pricing, a financial institution cannot accurately screen target users, information islands of financial performance data exist, and the like.
Thus, there is a need to provide a more efficient method of financial data management.
Disclosure of Invention
In order to solve the above problems, the present invention provides a blockchain-based financial data management method applied to a blockchain network, the blockchain network including a management node and a query node, the financial data management method including: the management node acquires user data and encrypts and stores the user data as block data to a block chain; the management node broadcasts updated block data to all other nodes of the blockchain network; the query node acquires updated block data from the block chain network to update the local block chain, judges whether to accept users in the updated block data according to the updated block data, calculates quotation information for the accepted users, and sends the quotation information to the management node.
Preferably, the user data includes user attribute data, user financial data, and user tag data; the managing node obtaining the user data and encrypting and storing the user data as block data to the blockchain includes: the management node acquires user attribute data and user financial data; and the management node generates user tag data according to the user attribute data and the user financial data.
Preferably, the determining, by the query node, whether to accept the user in the block data according to the updated block data includes: and reading the user tag data in the block data, and judging whether to accept the user in the block data according to the user tag data.
Preferably, the query node calculating the offer information for the user includes: for the accepted user, acquiring the user attribute data and the user financial data; and calculating quotation information for the user according to the acquired user attribute data and the acquired user financial data.
Preferably, the query node may acquire the user data in the updated block data only when the user authorization is acquired.
Preferably, the method further comprises: and the management node receives the quotation information sent by each query node and provides the quotation information for the user according to the user request.
Preferably, the method further comprises: and the management node sorts the quotation information sent by each query node and provides the quotation information to the user.
In addition, the invention also provides a block chain network system, which comprises a block chain network, wherein the block chain network system comprises: a management node for acquiring user data and storing the user data as block data encryption to a blockchain, and broadcasting the updated block data to all other nodes of the blockchain network; and a query node for acquiring updated block data from the block chain network to update the local block chain, judging whether to accept users in the updated block data according to the updated block data, calculating quotation information for the accepted users, and sending the quotation information to the management node.
Preferably, the method further comprises: the user data comprises user attribute data, user financial data and user tag data; the management node is used for acquiring user attribute data and user financial data and generating user tag data according to the user attribute data and the user financial data.
Preferably, the query module is configured to read user tag data in the block data, and determine whether to accept a user in the block data according to the user tag data.
Preferably, the query module is further configured to: for the accepted user, acquiring the user attribute data and the user financial data; and calculating quotation information for the user according to the acquired user attribute data and the acquired user financial data.
Preferably, the query node may acquire the user data in the updated block data only when the user authorization is acquired.
Preferably, the management node receives the quotation information sent by each query node, and provides the quotation information to the user according to the user request.
Preferably, the management node orders the quotation information sent by each query node and provides the ordering information to the user.
In addition, the invention also provides electronic equipment, wherein the electronic equipment comprises: a processor; and a memory storing computer executable instructions that, when executed, cause the processor to perform a financial data management method according to the present invention.
In addition, the present invention also provides a computer readable storage medium storing one or more programs which, when executed by a processor, implement the financial data management method of the present invention.
Advantageous effects
Compared with the prior art, the financial data management method disclosed by the invention comprehensively manages the user data, the financial data and the like of each financial institution through the blockchain technology, can more effectively manage the financial data and can improve the safety of the data; each financial institution can more accurately screen target users, acquire user data of the target users, provide quotation information corresponding to the user data, and the management institution synthesizes all quotation information and participates in bidding ranking of the user product list so that the users can select the optimal pricing financial institution.
Drawings
In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects achieved more clear, specific embodiments of the present invention will be described in detail below with reference to the accompanying drawings. It should be noted, however, that the drawings described below are merely illustrative of exemplary embodiments of the present invention and that other embodiments of the present invention may be derived from these drawings by those skilled in the art without undue effort.
FIG. 1 is a flow chart of an example of a blockchain-based financial data management method of the present invention.
Fig. 2 is a schematic diagram illustrating a blockchain network in a blockchain-based financial data management method to which the present invention is applied.
Fig. 3 is a schematic diagram illustrating data interactions in a blockchain-based financial data management method to which the present invention is applied.
FIG. 4 is a method flow diagram of another example of a blockchain-based financial data management method of the present invention.
Fig. 5 is a schematic block diagram of an example of a blockchain network system of the present invention.
Fig. 6 is a block diagram of an exemplary embodiment of an electronic device according to the present invention.
Fig. 7 is a block diagram of an exemplary embodiment of a computer readable medium according to the present invention.
Detailed Description
Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. However, the exemplary embodiments can be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. The same reference numerals in the drawings denote the same or similar elements, components or portions, and thus a repetitive description thereof will be omitted.
The features, structures, characteristics or other details described in a particular embodiment do not exclude that may be combined in one or more other embodiments in a suitable manner, without departing from the technical idea of the invention.
In the description of specific embodiments, features, structures, characteristics, or other details described in the present invention are provided to enable one skilled in the art to fully understand the embodiments. However, it is not excluded that one skilled in the art may practice the present invention without one or more of the specific features, structures, characteristics, or other details.
The flow diagrams depicted in the figures are exemplary only, and do not necessarily include all of the elements and operations/steps, nor must they be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the order of actual execution may be changed according to actual situations.
The block diagrams depicted in the figures are merely functional entities and do not necessarily correspond to physically separate entities. That is, the functional entities may be implemented in software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.
It should be understood that although the terms first, second, third, etc. may be used herein to describe various devices, elements, components or portions, this should not be limited by these terms. These words are used to distinguish one from the other. For example, a first device may also be referred to as a second device without departing from the spirit of the invention.
The term "and/or" and/or "includes all combinations of any of the associated listed items and one or more.
The method aims at solving the problems that the existing internet financial open platform is not accurate enough in data matching, a user cannot obtain relatively accurate pricing, a financial institution cannot accurately screen target users, information islands of financial performance data exist, and the like.
In view of the above problems, the invention solves the identity problem between individuals and institutions by utilizing anonymity of the blockchain based on the blockchain technology, encrypts and stores personal authentication information or user attribute information, financial transaction and other related data on the blockchain, builds a blockchain network of multiple financial institutions, each financial institution can join the alliance chain after authorization of users, and the management institution broadcasts the latest user tag data to all financial institutions on the alliance chain in a broadcast mode, and each financial institution carries out target user screening based on the user tag data after authorization and further acquires user data. Specifically, after each time of updating the user data, the user tag data is regenerated again and broadcast to each alliance node, each financial institution evaluates and screens the target user by establishing an AI model and gives a relatively accurate pricing, and the management institution participates in the bidding ranking of the target product list so that the user can select the financial institution with the optimal pricing.
The present invention will be further described in detail below with reference to specific embodiments and with reference to the accompanying drawings, in order to make the objects, technical solutions and advantages of the present invention more apparent.
Example 1
Next, an embodiment of a blockchain-based financial data management method of the present invention is described with reference to fig. 1 to 4.
FIG. 1 is a flow chart of an example of a blockchain-based financial data management method of the present invention.
As shown in fig. 1, a financial data management method includes the following steps.
In step S101, the management node acquires user data and stores the user data as block data in the blockchain in an encrypted manner.
In step S102, the management node broadcasts updated block data to all other nodes of the blockchain network.
Step S103, the query node acquires updated block data from the block chain network to update the local block chain, judges whether to accept users in the updated block data according to the updated block data, calculates quotation information for the accepted users, and sends the quotation information to the management node.
Fig. 2 is a block diagram of an example of an application scenario in which the blockchain-based financial data management method of the present invention is applied.
As shown in fig. 2, the financial data management method of the present invention is applied to a blockchain network, which is a P2P (Peer-to-Peer) network, and includes a management node and a query node, and the blockchain is formed by orderly linking a plurality of data blocks. In this example, multiple financial institutions join the network by authorization and form a benefit-related federation with a third-party management institution, where the financial institutions correspond to the query nodes and the third-party management institution corresponds to the management nodes. The inventor of the present invention improves the financial data management method based on the blockchain technology, specifically as follows.
First, in step S101, the management node acquires user data and stores the user data as block data in the blockchain in an encrypted manner.
Specifically, a plurality of financial institutions are federated with a management institution, and the management node acquires user data from each financial institution federated with the management institution and stores the user data as block data in a blockchain by encryption.
In this example, the blockchain is a coalition chain and is formed by orderly linking a plurality of data blocks, wherein each data block comprises user data, data record information and a time stamp.
Specifically, the user data includes user attribute data, user financial data, and user tag data.
Further, the management node obtains user attribute data and user financial data, and the management node generates user tag data according to the user attribute data and the user financial data.
Next, in step S102, the management node broadcasts updated block data to all other nodes of the blockchain network.
In this example, after a new data block is created by a management node or a query node, other nodes of the federation (i.e., all other nodes of the blockchain network) are notified in a broadcast manner, and the data transmission and service are directly implemented between the nodes without intermediate links or the intervention of a centralized server (see fig. 3 in particular), so that the security of the data can be ensured by storing various data through the blockchain.
Preferably, the number of data updates is set in a predetermined period of time, and each time the data is updated, the management node generates new block data.
The foregoing is illustrative only, and is not to be construed as limiting the present invention.
Next, in step S103, the query node obtains updated block data from the blockchain network to update the local blockchain, determines whether to accept the user in the updated block data according to the updated block data, calculates offer information for the accepted user, and sends the offer information to the management node.
Specifically, upon or after receiving the broadcast notification, each financial institution obtains updated block data or latest block data from the blockchain network by authorization from the corresponding query node.
In this example, each query node may acquire user data in the updated block data only when user authorization is acquired.
Further, the query node determines whether to accept the user in the block data according to the user tag data in the updated block data.
In another example, as shown in fig. 4, the method of the present invention further includes a step S401 of determining whether it is a target user of the present melting mechanism (i.e., splitting step S103 into two steps S103 and S401).
In step S401, the financial institution determines whether to accept the user in the block data, in other words, whether to be the target user of the home-melting institution, according to the preset determination rule and the read user tag data.
And under the condition that the user is judged to be the target user of the financial institution, receiving the user in the block data, and further acquiring the user attribute data and the user financial data in the block data.
Further, the query node is also configured to calculate offer information for the user (i.e., the target user). Specifically, the financial institution calculates quotation information for the user (i.e., the target user) based on the acquired user attribute data and user financial data.
For example, the financial institution 1 judges that the user a is a target user of the present institution, and calculates the offer information 1 for the target product a of the user a.
Similarly, the financial institution 2 and the financial institution 3 determine that the user a is the target user, and calculate the offer information 2 and 3 for the target product a of the user a.
Further, the query node 1, the query node 2, and the query node 3 receive quotation information of the financial institution 1, the financial institution 2, and the financial institution 3 for the target product a.
In this example, the target product a refers to a loan-type product. The quotation information of the target product a refers to the loan interest rate, the loan amount, and the like.
In this example, each query node transmits the offer information for the target product a to a corresponding management node, which accepts the offer information transmitted by each query node and provides the list of offer information to user a according to the user request.
Preferably, the management node sorts the quotation information sent by each query node and provides the quotation information to the user, in other words, the management node comprehensively manages all quotation information and participates in bidding ranking of the user product list so that the user can select the optimal pricing financial institution.
Further, the ordering of the quotation information of the target product a is determined through calculation by an ordering model, and the ordering model is an algorithm model such as an FM algorithm model, a bilinear FFM, a deep FFM model, a logistic regression, a gradient lifting tree (GBDT) and the like. The foregoing examples are provided for the purpose of illustration only and are not to be construed as limiting the invention.
In addition, when it is determined that the user is not the target user of the present melting facility, the user in the block data is not accepted, and further acquisition of the user data is not required, whereby the target user can be screened more effectively and more accurately.
In this embodiment, the target product refers to a lending product. The quotation information of the target product refers to the loan interest rate, the loan amount, and the like. The foregoing is illustrative and not to be construed as limiting the invention.
In other examples, the above steps may be split into two steps, for example, splitting step S103 into two steps (S103 and S401) or three steps. The foregoing is illustrative only of the preferred embodiments and is not to be construed as limiting thereof.
Compared with the prior art, the financial data management method disclosed by the invention comprehensively manages the user data, the financial data and the like of each financial institution through the blockchain technology, can more effectively manage the financial data and can improve the safety of the data; each financial institution can more accurately screen target users, acquire user data of the target users, provide quotation information corresponding to the user data, and the management institution comprehensively manages all quotation information and participates in bidding ranking of a user product list so that the users can select the optimal pricing financial institution.
Those skilled in the art will appreciate that all or part of the steps implementing the above-described embodiments are implemented as a program (computer program) executed by a computer data processing apparatus. The above-described method provided by the present invention can be implemented when the computer program is executed. Moreover, the computer program may be stored in a computer readable storage medium, which may be a readable storage medium such as a magnetic disk, an optical disk, a ROM, a RAM, or a storage array composed of a plurality of storage media, for example, a magnetic disk or a tape storage array. The storage medium is not limited to a centralized storage, but may be a distributed storage, such as cloud storage based on cloud computing.
Embodiments of the blockchain network system of the present invention are described below that may be used to perform method embodiments of the present invention. Details described in relation to the system embodiments of the present invention should be considered as additions to the method embodiments described above; for details not disclosed in the system embodiments of the present invention, reference may be made to the method embodiments described above.
Example 2
Referring to fig. 5, the present invention also provides a blockchain network system including a blockchain network, the blockchain network system including: a management node for acquiring user data and storing the user data as block data encryption to a blockchain, and broadcasting the updated block data to all other nodes of the blockchain network; and a query node for acquiring updated block data from the block chain network to update the local block chain, judging whether to accept users in the updated block data according to the updated block data, calculating quotation information for the accepted users, and sending the quotation information to the management node.
Preferably, the method further comprises: the user data comprises user attribute data, user financial data and user tag data; the management node is used for acquiring user attribute data and user financial data and generating user tag data according to the user attribute data and the user financial data.
Preferably, the query module is configured to read user tag data in the block data, and determine whether to accept a user in the block data according to the user tag data.
Preferably, the query module is further configured to: for the accepted user, acquiring the user attribute data and the user financial data; and calculating quotation information for the user according to the acquired user attribute data and the acquired user financial data.
Preferably, the query node may acquire the user data in the updated block data only when the user authorization is acquired.
Preferably, the management node receives the quotation information sent by each query node, and provides the quotation information to the user according to the user request.
Preferably, the management node orders the quotation information sent by each query node and provides the ordering information to the user.
In example 2, the same parts as those in example 1 are omitted.
Those skilled in the art will appreciate that the modules in the above-described embodiments of the system may be distributed throughout a system as described, or may be distributed in one or more systems other than the above-described embodiments with corresponding variations. The modules of the above embodiments may be combined into one module, or may be further split into a plurality of sub-modules.
Compared with the prior art, the blockchain network system comprehensively manages the user data, the financial data and the like of each financial institution through the blockchain technology, can manage the financial data more effectively, and can improve the safety of the data; each financial institution can more accurately screen target users, acquire user data of the target users, provide quotation information corresponding to the user data, and the management institution comprehensively manages all quotation information and participates in bidding ranking of a user product list so that the users can select the optimal pricing financial institution.
Example 3
The following describes an embodiment of an electronic device of the present invention, which may be regarded as a specific physical implementation of the above-described embodiment of the method and system of the present invention. Details described in relation to the electronic device embodiments of the present invention should be considered supplementary to the above-described method or system embodiments; for details not disclosed in the embodiments of the electronic device of the present invention, reference may be made to the above-described method or system embodiments.
Fig. 6 is a block diagram of an exemplary embodiment of an electronic device according to the present invention. An electronic device 200 according to the embodiment of the present invention is described below with reference to fig. 6. The electronic device 200 shown in fig. 6 is only an example and should not be construed as limiting the functionality and scope of use of embodiments of the invention.
As shown in fig. 6, the electronic device 200 is in the form of a general purpose computing device. The components of the electronic device 200 may include, but are not limited to: at least one processing unit 210, at least one memory unit 220, a bus 230 connecting the different system components (including the memory unit 220 and the processing unit 210), a display unit 240, and the like.
Wherein the storage unit stores program code that is executable by the processing unit 210 such that the processing unit 210 performs steps according to various exemplary embodiments of the present invention described in the method section of the electronic device described above in the present specification. For example, the processing unit 210 may perform the steps shown in fig. 1.
The memory unit 220 may include readable media in the form of volatile memory units, such as Random Access Memory (RAM) 2201 and/or cache memory 2202, and may further include Read Only Memory (ROM) 2203.
The storage unit 220 may also include a program/utility 2204 having a set (at least one) of program modules 2205, such program modules 2205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment.
Bus 230 may be a bus representing one or more of several types of bus structures including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.
The electronic device 200 may also communicate with one or more external devices 300 (e.g., keyboard, pointing device, bluetooth device, etc.), one or more devices that enable a user to interact with the electronic device 200, and/or any device (e.g., router, modem, etc.) that enables the electronic device 200 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 250. Also, the electronic device 200 may communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the Internet, through a network adapter 260. Network adapter 260 may communicate with other modules of electronic device 200 via bus 230. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with electronic device 200, including, but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.
From the above description of embodiments, those skilled in the art will readily appreciate that the exemplary embodiments described herein may be implemented in software, or may be implemented in software in combination with necessary hardware. Thus, the technical solution according to the embodiments of the present invention may be embodied in the form of a software product, which may be stored in a computer readable storage medium (may be a CD-ROM, a usb disk, a mobile hard disk, etc.) or on a network, and includes several instructions to cause a computing device (may be a personal computer, a server, or a network device, etc.) to perform the above-mentioned method according to the present invention. The computer program, when executed by a data processing device, enables the computer readable medium to carry out the above-described method of the present invention.
As shown in fig. 7, the computer program may be stored on one or more computer readable media. The computer readable medium may be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium would include the following: an electrical connection having one or more wires, a portable disk, a hard disk, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a data signal propagated in baseband or as part of a carrier wave, with readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A readable storage medium may also be any readable medium that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
In summary, the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that some or all of the functionality of some or all of the components in accordance with embodiments of the present invention may be implemented in practice using a general purpose data processing device such as a microprocessor or Digital Signal Processor (DSP). The present invention can also be implemented as an apparatus or device program (e.g., a computer program and a computer program product) for performing a portion or all of the methods described herein. Such a program embodying the present invention may be stored on a computer readable medium, or may have the form of one or more signals. Such signals may be downloaded from an internet website, provided on a carrier signal, or provided in any other form.
The above-described specific embodiments further describe the objects, technical solutions and advantageous effects of the present invention in detail, and it should be understood that the present invention is not inherently related to any particular computer, virtual device or electronic apparatus, and various general-purpose devices may also implement the present invention. The foregoing description of the embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, alternatives, and improvements that fall within the spirit and scope of the invention.
Claims (10)
1. A blockchain-based financial data management method applied to a blockchain network, the blockchain network including a management node and a query node, the method comprising:
the management node acquires user data and encrypts and stores the user data as block data to a block chain;
the management node broadcasts updated block data to all other nodes of the blockchain network;
the query node acquires updated block data from the block chain network to update the local block chain, judges whether to accept users in the updated block data according to the updated block data, calculates quotation information aiming at the accepted users, and sends the quotation information to the management node, wherein the quotation information is the lending interest rate and the lending limit of the lending product.
2. The method according to claim 1, characterized in that:
the user data comprises user attribute data, user financial data and user tag data;
the managing node obtaining the user data and encrypting and storing the user data as block data to the blockchain includes:
the management node acquires user attribute data and user financial data;
and the management node generates user tag data according to the user attribute data and the user financial data.
3. A method according to claim 1 or 2, characterized in that,
the query node judging whether to accept the user in the block data according to the updated block data comprises:
and reading the user tag data in the block data, and judging whether to accept the user in the block data according to the user tag data.
4. The method of claim 1, wherein the step of determining the position of the substrate comprises,
the query node calculating quotation information for the user includes:
for the accepted user, acquiring the user attribute data and the user financial data; and calculating quotation information for the user according to the acquired user attribute data and the acquired user financial data.
5. The method of claim 1, wherein the querying node is capable of acquiring user data in the updated block data only when user authorization is acquired.
6. The method as recited in claim 1, further comprising:
and the management node receives the quotation information sent by each query node and provides the quotation information for the user according to the user request.
7. The method as recited in claim 1, further comprising:
and the management node sorts the quotation information sent by each query node and provides the quotation information to the user.
8. A blockchain network system, comprising a blockchain network, the system comprising:
a management node for acquiring user data and storing the user data as block data encryption to a blockchain, and broadcasting the updated block data to all other nodes of the blockchain network; and
and the query node is used for acquiring updated block data from the block chain network to update the local block chain, judging whether to accept the users in the updated block data according to the updated block data, calculating quotation information aiming at the accepted users, and sending the quotation information to the management node, wherein the quotation information is the lending interest rate and the lending limit of the lending product.
9. An electronic device, wherein the electronic device comprises:
a processor; the method comprises the steps of,
a memory storing computer executable instructions that, when executed, cause the processor to perform the method of any of claims 1-7.
10. A computer readable storage medium, wherein the computer readable storage medium stores one or more programs which, when executed by a processor, implement the method of any of claims 1-7.
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