CN112116446A

CN112116446A - Bank deposit and loan business system based on Ether house

Info

Publication number: CN112116446A
Application number: CN202010847704.8A
Authority: CN
Inventors: 王宇; 管行先; 轩艳
Original assignee: Hohai University HHU
Current assignee: Hohai University HHU
Priority date: 2020-08-21
Filing date: 2020-08-21
Publication date: 2020-12-22
Anticipated expiration: 2040-08-21
Also published as: CN112116446B

Abstract

The invention discloses a banking and loan transaction system based on an Ether house, and belongs to the technical field of block chains. The system comprises a front-end interface module, a loan-saving intelligent contract module, an Ethernet workshop network module and an external synchronous backup module which are sequentially connected. The invention solves the problems of the security of the traditional bank database and the overhigh cost of deposit and loan services, increases the query convenience and simultaneously does not influence the security.

Description

Bank deposit and loan business system based on Ether house

Technical Field

The invention relates to a banking and loan transaction system based on an Ether house, belonging to the technical field of block chains.

Background

Since the information age, the security problem of bank databases has always been the most worried primary problem of the traditional banking industry. The loan-saving business in China is mainly based on a typical centralized architecture centered on the central bank, and the transmission of user data and the flow of personnel management can influence the safety of personal deposit of users. The more centralized the transaction platform means the greater the risk of hacking and the higher the security risk.

At present, the traditional banking industry in China depends on a centralized mechanism, the deposit and loan service of a bank is recorded unilaterally by a bank information system, and high potential safety hazards exist. The traditional bank loan transaction is based on manual data auditing, and the cost is high. In recent years, the emerging block chain technology provides an unalterable decentralized and traceable electronic account book, and the account book cannot be tampered by both a service provider and a user, so that transaction information of the user cannot be changed once written into a block. The transaction on the blockchain depends on digital currency, the stability of the digital currency depends on the transaction amount and the use frequency of the currency, and the larger the transaction amount is, the more stable the currency value of the transaction is. Due to the natural de-centralization feature of the blockchain, the transaction records in the block cannot be changed. From a security perspective, once the digital currency in the blockchain has a binding with the national credit mechanism, the currency will have higher security and stability than the legal currency.

After the blockchain 2.0, a plurality of applications of intelligent contracts are added in the blockchain, preset programs can be executed in the blockchain, and the written programs are automatically executed and can not be changed when conditions are triggered, so that the intelligent contracts bring a plurality of conveniences when the intelligent contracts are applied to processing various services.

Disclosure of Invention

The method aims to solve the problems of the security of the traditional bank database and the overhigh cost of deposit and loan business. The invention provides a banking and loan transaction system based on an Ether house, which has great advantages in the aspects of safety and convenience.

The invention adopts the following technical scheme for solving the technical problems:

a bank deposit and loan service implementation system based on Ether houses comprises a front-end interface module, a deposit and loan intelligent contract module, an Ether house network module and an external synchronous backup module which are sequentially connected:

the front-end page module is used for displaying the related information of the loan storage and carrying out remote calling of contracts;

the Ethernet workshop network module is used for constructing a bottom Ethernet workshop network;

the loan saving intelligent contract module is used for realizing the specific logic of deposit related and loan related businesses;

and the external synchronous backup module is used for additionally backing up loan saving information in the contract.

The intelligent contract module for the loan saving business comprises deposit business and loan business, wherein the deposit business comprises current deposit and periodic deposit, and the loan business is divided into equal principal and equal principal information.

The Ethernet workshop network module comprises a bank end and a user end.

The bank end and the user end are used as peer nodes and respectively store the intelligent contract and all transaction information.

And the external backup information of the external synchronous backup module is divided into a deposit book and a loan book.

The invention has the following beneficial effects:

1. the invention uses the block chain as the bottom layer and adopts a decentralized accounting mode, and the loan deposit transaction of the bank is stored on the block chain. Each node keeps a complete record of the transaction, and the accounting mode has the characteristics of tamper resistance and intrusion resistance.

2. The loan-saving service is based on the intelligent contract, the specific operation of the service is realized in the contract, and the user can call the contract by one key at the front end. The block discharging time is adjusted by setting the mining difficulty degree, real-time account arrival at any time and any place is realized, and convenience is improved.

3. The invention introduces an external backup database to realize the synchronous change of the transaction content in the intelligent contract, and bank staff do not need to frequently access the intelligent contract when carrying out deposit business statistics, thereby being convenient for the bank to inquire and count. Because the loan saving business processing and the logic judgment are still carried out in the intelligent contract, the query convenience is improved, and meanwhile, the safety is not influenced.

Drawings

FIG. 1 is a block diagram of the present invention.

Fig. 2 is a schematic diagram of a loan transaction implementation of the invention.

Detailed Description

The invention is described in further detail below with reference to the accompanying drawings.

In the present invention, when a user needs to perform banking, the bank converts the personal asset into a token. And changing the legal tender into digital assets, circulating in the block chain network, and completing the related business of bank deposit and loan. When the user needs to be promoted, the bank outlets exchange tokens and legal coins in equal amount, and the digital assets are changed into cash assets.

As shown in figure 1 of the drawings, in which,

the bank loan transaction system comprises an application layer consisting of a bank and a user interface, a logic layer consisting of an intelligent contract and a virtual machine, a network layer consisting of an Ethenhouse private chain and a data backup layer for externally storing transaction results.

In the invention, the bank node and the user node are peer nodes in the Ethernet workshop network, and the bank node and the user node together call the contract to complete corresponding functions.

The account initiated by the transaction uses a private key to sign the message and then broadcasts the message to the whole network, and each node decrypts the message based on the public key of the message sender to confirm the message is sent out for the account. The whole network achieves consensus based on a workload certification mechanism, and transaction information is synchronized to the transaction information of the block body on each node. And simultaneously, the bank node joins in event monitoring and feeds back the result to the page and local database information.

The method aims to solve the problems of security of the traditional bank database and high cost of the loan industry. The invention provides a solution based on Ether house loan deposit business, which improves the safety of bank account book information by using a block chain as a bottom layer and reduces the labor cost by using an intelligent contract.

The Etheng private chain is used as a banking bottom layer architecture, and the loan saving business logic is realized through an intelligent contract. The multi-point maintenance and the common accounting are realized, and the account book information cannot be tampered randomly.

The intelligent contract of the intermediate deposit and loan combines the actual deposit and loan service realization mode, the nodes in the ether house private chain are divided into a bank node and a plurality of user nodes, and each account in the bank node respectively completes the functions of deposit and loan interest rate adjustment, interest settlement, loan issuance, user generation in the contract and the like. The account in each user node completes the functions of depositing and withdrawing money, monthly loan and payment of late payment by calling contracts. In the intelligent contract, each user corresponds to a deposit list and a loan list, and the deposit and loan information can be changed only by calling a function of the contract.

The invention introduces an external database to perform external backup on the result of loan-saving transaction in the block chain, and external backup information is divided into a deposit book and a loan book. When a bank or a user calls a contract to carry out deposit and loan service, the bank background changes external backup information along with deposit and loan information recorded in an intelligent contract of an Ethernet house by monitoring event information in the Ethernet house.

The deposit business in the loan saving business intelligent contract module comprises a current deposit and a periodic deposit. Different deposit styles include different deposit interest rates. The bank will issue deposit interest after making deposit settlement. The loan transaction is divided into equal principal and equal principal. Different loan modes determine different repayment amounts per month, and if the repayment amounts are not paid on time, additional payment of late fees is required. And after the bank performs loan settlement, performing monthly settlement on the loan information. The loan-saving related business is realized based on an intelligent contract.

The specific implementation process is as follows:

firstly, a bank or a user calls an intelligent contract on a front-end page, the bank can issue a loan or settle the interest of the loan, and the user can make a deposit and a withdrawal or pay the loan.

And secondly, carrying out logic judgment in the intelligent contract for deposit and loan, changing deposit and loan list information stored in a mapping (key value pair) form by the user in the contract state, and triggering deposit and loan related events.

And thirdly, after the user or the bank carries out related deposit and loan business, the user or the bank encrypts the deposit and loan business by using a private key of the sender to generate a digital signature and broadcasts the digital signature to the outside. And other nodes are verified by using the public key of the sender, confirm the message sent by the sender, use the message as the information required to be stored in the local current generation block and broadcast the information.

And fourthly, adding Ether house event monitoring into a bank page, capturing event trigger in the intelligent contract when bank nodes carry out block information synchronization, capturing transaction related information outside after the execution of the deposit and loan related transaction is finished, and carrying out synchronous change of the content of a local database by the bank according to the captured related data to serve as deposit and loan information backup capable of being checked and counted at any time. Considering the data rollback problem that may occur due to the bifurcation in the block chain, the data is determined to be not changeable after six block validations. The external synchronization information in the invention is the event information recorded in the sixth block before the current block.

As shown in FIG. 1, the system is divided into a front-end interface module, an intelligent contract module, an Ethernet workshop network module and a data backup module. The front end is a static interface, the RPC port is connected locally to realize remote node communication, and the remote node communication is connected to a newly-built Ethernet workshop network.

The intelligent contract comprises a deposit and loan related transaction specific process, the user and the bank comprise different invoking authorities and execute different services, and the change of the contract state depends on the intelligent contract module. And simultaneously, the bank synchronizes external data.

Fig. 2 shows details of the specific implementation of transactions on the blockchain, where the bank and the user send transaction information in a locally connected RPC (remote procedure call protocol) interface. The miner node receives the transaction specific information, records the transaction specific information into the new block for broadcasting, and other nodes receive the transaction specific information and update the local account book after verifying the validity of the block. In addition, after the bank node updates the account book each time, the event monitors the change of the contract state and updates the external backup loan data in time.

Claims

1. The utility model provides a bank deposits and loan transaction system based on ether mill which characterized in that, includes front end interface module, intelligent contract module of depositing and loan, ether mill network module and the synchronous backup module of outside that connects in proper order:

and the external synchronous backup module is used for synchronously backing up the loan saving information in the contract.

2. The system of claim 1, wherein the intelligent contract module of the deposit and loan service comprises a deposit service and a loan service, the deposit service comprises a current deposit and a periodic deposit, and the loan service is divided into an equal principal and an equal principal.

3. The system of claim 1, wherein the etherhouse network module comprises a bank end and a client end.

4. The system of claim 3, wherein the bank side and the user side are peer nodes, and each of the peer nodes stores the intelligent contract and all transaction information.

5. The system of claim 1, wherein the external backup information of the external synchronous backup module is divided into a deposit book and a loan book.