CN112308721A - Asset securitization management method, device and system and electronic device - Google Patents
Asset securitization management method, device and system and electronic device Download PDFInfo
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Abstract
The application relates to a management method, a device, a system and an electronic device for securitization of assets, wherein the management method comprises the following steps: writing the received basic asset information into a first block chain node by using an intelligent contract of a block chain to obtain block chain evidence storage information; synchronizing the block chain evidence storing information to a second block chain node so as to carry out consensus processing on the block chain evidence storing information; after the block chain certificate information is identified, the block chain certificate information is synchronized to a management terminal by the block chain for management. By the method and the device, the problem of low safety of the asset securitization management method is solved, and the multi-platform asset securitization management method is realized.
Description
Technical Field
The present application relates to the field of asset securitization technologies, and in particular, to a method, an apparatus, a system, and an electronic apparatus for managing asset securitization.
Background
The Asset securitization refers to a process of issuing Asset-backed Securities (ABS for short) on the basis of credit increase by structured design with cash flow generated in the future of basic assets as repayment support.
In the related art, under the technical background of financial security, transparency requirement and blockchain, although some techniques are proposed, data source, data analysis and the like of the ABS are presented in the form of blockchain (private chain), so as to achieve the purpose of public transparency by utilizing the technical advantages of the blockchain. However, from the perspective of financial security, the ABS subsystem has more related private information and more related nodes, and if the ABS subsystem is uplink-processed, public information and private information are leaked, and especially at the current stage of exploration of block chain application, the lack of related laws and regulations will generate a disaster of leaking private data, thereby resulting in lower security of asset securitization management.
At present, no effective solution is provided for the problem of low security of the asset securitization management method in the related technology.
Disclosure of Invention
The embodiment of the application provides a management method, a device, a system, an electronic device and a storage medium for securitization of assets, so as to at least solve the problem of low security of the management method for securitization of assets in the related technology.
In a first aspect, an embodiment of the present application provides a method for managing asset securitization, where the method includes:
writing the received basic asset information into a first block chain node by using an intelligent contract of a block chain to obtain block chain evidence storage information;
synchronizing the block link certificate information to a second block link node to perform consensus processing on the block link certificate information;
and after the block chain certificate information is identified, synchronizing the block chain certificate information to a management terminal by using the block chain for management.
In some embodiments, the synchronizing the block chain credential information to a management terminal by using the block chain for management includes:
and inquiring the block chain evidence storing information through the intelligent contract on the management terminal, and further detecting a tampering result of the block chain evidence storing information through a signature checking method.
In some embodiments, after the synchronizing the block chain credit information to a management terminal for management by using the block chain, the method further includes:
and opening the data authority of the block link certificate information to the management terminal by using a three-authority separation mechanism.
In some embodiments, the performing consensus on the block chain credential information includes:
performing consensus processing on the block chain certificate storage information through the block chain, and performing auxiliary storage processing aiming at the block chain through a non-relational database;
wherein the non-relational database comprises: the system comprises a key management module, a query search module and a report service module.
In some embodiments, the writing the received base asset information to the first block link point comprises:
writing the basic asset information into the first blockchain node through an Application Programming Interface (API); alternatively, the base asset information is written to the first blockchain node via a Software Development Kit (SDK).
In a second aspect, an embodiment of the present application provides an asset securitization management apparatus, including: the system comprises a chain chaining module, a common identification module and a data synchronization module;
the uplink module is used for writing the received basic asset information into a first block chain node by using an intelligent contract of a block chain so as to obtain block chain evidence information;
the consensus module is used for synchronizing the block chain evidence storing information to a second block chain node so as to perform consensus processing on the block chain evidence storing information;
and the data synchronization module is used for synchronizing the block chain certificate storage information to a management terminal by using the block chain for management after the block chain certificate storage information passes the consensus.
In a third aspect, an embodiment of the present application provides a management system for securitization of assets, the system including: a financial terminal, a management terminal and a block chain;
the financial terminal writes the received basic asset information into a first block chain node by using the intelligent contract of the block chain so as to obtain block chain evidence storage information;
the block chain synchronizes the block chain certificate information to a second block chain node so as to perform consensus processing on the block chain certificate information;
and after the block chain passes the block chain certificate information consensus, synchronizing the block chain certificate information to the management terminal by using the block chain for management.
In some embodiments, the management terminal is further configured to query the block chain certification information through the intelligent contract, and further detect a tampering result of the block chain certification information through a signature verification method.
In a fourth aspect, an embodiment of the present application provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the asset securitization management method according to the first aspect.
In a fifth aspect, the present application provides a storage medium, on which a computer program is stored, wherein the program, when executed by a processor, implements the asset securitization management method according to the first aspect.
Compared with the related technology, the asset securitization management method, the device, the system and the electronic device provided by the embodiment of the application write the received basic asset information into the first block chain node by using the intelligent contract of the block chain so as to obtain block chain deposit evidence information; synchronizing the block chain evidence storing information to a second block chain node so as to carry out consensus processing on the block chain evidence storing information; after the block chain evidence storage information is identified, the block chain evidence storage information is synchronized to a management terminal for management by using the block chain, so that the problem of low security of the asset securitization management method is solved, and the multi-platform asset securitization management method is realized.
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The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
FIG. 1 is a schematic illustration of an application environment according to an embodiment of the present application;
FIG. 2 is a flow chart of a method of managing asset securitization according to an embodiment of the present application;
FIG. 3 is a flow chart of another method of asset securitization management according to an embodiment of the present application;
FIG. 4 is a flow chart of yet another method of asset securitization management according to an embodiment of the present application;
FIG. 5A is a schematic illustration of a management architecture for asset securitization according to a preferred embodiment of the present application;
FIG. 5B is a flow chart of a method of managing asset securitization in accordance with a preferred embodiment of the present application;
FIG. 6 is a block diagram of a management apparatus for asset securitization according to an embodiment of the present application;
FIG. 7 is a block diagram of a management system for asset securitization according to an embodiment of the present application;
fig. 8 is a block diagram of the inside of a computer device according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be described and illustrated below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments provided in the present application without any inventive step are within the scope of protection of the present application. Moreover, it should be appreciated that in the development of any such actual implementation, as in any engineering or design project, numerous implementation-specific decisions must be made to achieve the developers' specific goals, such as compliance with system-related and business-related constraints, which may vary from one implementation to another.
Reference in the specification to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the specification. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of ordinary skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments without conflict.
Unless defined otherwise, technical or scientific terms referred to herein shall have the ordinary meaning as understood by those of ordinary skill in the art to which this application belongs. Reference to "a," "an," "the," and similar words throughout this application are not to be construed as limiting in number, and may refer to the singular or the plural. The present application is directed to the use of the terms "including," "comprising," "having," and any variations thereof, which are intended to cover non-exclusive inclusions; for example, a process, method, system, article, or apparatus that comprises a list of steps or modules (elements) is not limited to the listed steps or elements, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus. Reference to "connected," "coupled," and the like in this application is not intended to be limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect. Reference herein to "a plurality" means greater than or equal to two. "and/or" describes an association relationship of associated objects, meaning that three relationships may exist, for example, "A and/or B" may mean: a exists alone, A and B exist simultaneously, and B exists alone. Reference herein to the terms "first," "second," "third," and the like, are merely to distinguish similar objects and do not denote a particular ordering for the objects.
In the present embodiment, a shared data processing method based on blockchain triple-authority separation is provided, and fig. 1 is a schematic diagram of an application environment according to an embodiment of the present application, and as shown in fig. 1, a blockchain Network 102 and a server 104 communicate through a Network, where the Network may include a Local Area Network (LAN), a Wide Area Network (WAN), the internet, or a combination thereof, and is connected to a website, a user device (e.g., a computing device), and a backend system. The server 104 writes the basic asset information into a first blockchain node of the blockchain network 102 by using an intelligent contract, and synchronizes the obtained blockchain evidence information to a second blockchain node of the blockchain network 102 for consensus processing; after the consensus is completed, the blockchain network 102 synchronizes the blockchain credential information to the management terminal for management. Alternatively, the servers 104 may be nodes of a cloud computing system (not shown), or each server 104 may be a separate cloud computing system comprising multiple computers interconnected by a network and operating as a distributed processing system. Server 104 may run any suitable computing system that enables it to act as a node in blockchain network 102.
The embodiment also provides a management method for asset securitization, and fig. 2 is a flowchart of a management method for asset securitization according to an embodiment of the present application, as shown in fig. 2, the flowchart includes the following steps:
step S202, writing the received basic asset information into a first block chain node by using an intelligent contract of the block chain so as to obtain block chain evidence information. The first block link node is a block link node where the basic asset information is currently written. A base asset is a property right or property that complies with legal regulations, is well defined, can generate an independent, predictable cash flow, and can be customized. The underlying asset may be a property right such as an enterprise account receivable, lease claim, credit asset, trust earnings, etc., a real property or real property earnings right such as an infrastructure, business property, etc., and other property or property rights recognized by the Chinese certificate Authority.
Specifically, the block chain evidence storage of records such as receivables opening, circulation financing and the like is realized by combining the bottom block chain of financial terminals such as a supply chain financial platform and the like. If the accounts receivable are required to be transferred in multiple stages, the longer the transfer level is, the higher the requirement on authenticity and risk control of the whole supply chain process transaction is, and the financial transaction efficiency of the whole supply chain can be greatly improved through the block chain technology. By utilizing the attributes of distributed storage, non-tampering, timestamp verification and the like of technologies such as block chains and the like, the cloud traffic data can be completely recorded, and meanwhile, the data can be traced, so that the reliability of the data is improved.
Step S204, synchronize the blockchain credential information to a second blockchain node, so as to perform consensus processing on the blockchain credential information. The second block link point refers to a node of all the block link nodes except the first block link point. On the financial terminal, the synchronization information of the first block chain link point is transmitted to other nodes, namely a second block chain node, so that the data consensus and synchronization are completed, and the block chain evidence information is written into the block chain; in this embodiment, the first block link point may be extended to the whole first block chain, and the second block link point may be extended to the whole second block chain, so as to implement the data consensus and synchronization between two or more block chains through the step S204.
Step S206, after the block chain certificate information is agreed, the block chain certificate information is synchronized to the management terminal for management by using the block chain. The block chain synchronization accounts receivable electronic authorization certificate information, contract and invoice materials and other block chain evidence storage information are transmitted to asset securitization management platforms and other management terminals, so that functions of asset securitization project management, participant management, project file uploading, feedback, historical file management, evidence storage and the like are achieved.
Through the steps S202 to S206, the block chain evidence storing information of the first block chain node is synchronized and identified, and the block chain evidence storing information is synchronized to the management terminal for management after the identification processing is completed, so that the bottom layer basic asset is communicated on two platforms through the block chain, the quality of the bottom layer basic asset is guaranteed, the recovery condition is transparent, the phenomenon that asset credit is separated from main body credit due to the fact that the bottom layer basic asset is opaque is avoided, and the problem that the security of the asset securitization management method is low is solved.
In some embodiments, a method for managing asset securitization is provided, and fig. 3 is a flowchart of another method for managing asset securitization according to an embodiment of the present application, as shown in fig. 3, the flowchart includes all the steps in fig. 2, and further includes the following steps:
step S302, on the management terminal, querying the block chain verification information through the intelligent contract, and further detecting a tampering result of the block chain verification information through a signature verification method. Specifically, the management terminal checks the information such as receivable electronic account confirmation certificate information, contracts and invoice materials stored in the block chain through the intelligent contract, and verifies whether the data is tampered or not in a signature checking mode.
Through the step S302, the block chain storage information is sent to the management terminal, and the block chain storage information is correspondingly operated on the management terminal, so that cross-mechanism cooperation is formed, and the multi-party participating mechanism can upload, share and feed back the project file on the independent platform, so that the circulation efficiency of the information is improved on the premise of ensuring the security of the asset securitization management method, and the asset securitization management efficiency is effectively improved.
In some embodiments, after the blockchain is used to synchronize the blockchain certification information to a management terminal for management, the asset securitization management method further includes the following steps: and opening the data authority of the block chain certificate storing information to the management terminal by using a three-authority separating mechanism.
From the perspective of a data producer, the ownership of data is unique to a data source owner, and in the existing business scenario, in the process from a production end to a data persistence end, the data ownership is changed. The role of the block chain is upgraded from a data persistence custody party to a data management party, so that the data ownership and related problems caused by the data ownership change from a data production end to a data persistence end can be solved.
The block chain is used as a data manager and has the authority of issuing a data key, the authority of managing the key, the authority of storing the data and the authority of decrypting and encrypting the data. In the process from a data generation party to data persistence, a block chain should have the same authority as that of a data source party, and the block chain plays a data persistence tool for the data owner to the block chain in the process. Meanwhile, the authorities are only opened to the block chain and the data producer, and all the interest attributions on the alliance chain cannot view and use the content of the data. Under the condition that the data is authorized by the data owner, the data can modify the access right of the data, and after the data is decrypted by the block chain, the data is returned to the data requester in an asymmetric encryption mode, so that the data requester finally obtains the query right of the data.
Through the three-right separation mechanism, when accounts receivable and the like are issued as the underlying basic assets of the ABS, the accounts receivable and the like can be mapped to actual electronic right-confirming certificates on a supply chain financial platform through the unique certificate of the block chain, relevant participants obtain inquiry rights of relevant information through data right control of the three-right separation of the block chain, check the financing and circulation paths of the underlying basic assets and contract and invoice information of relevant processes, and verify the authenticity of transactions.
Through the embodiment, the data authority of the block chain certificate storing information is opened to the management terminal based on the three-right separation mechanism, so that the safety of the information is ensured when the management terminal inquires the block chain certificate storing information, and the safety of the asset securitization management method is further improved.
In some embodiments, a method for managing asset securitization is provided, and fig. 4 is a flowchart of another method for managing asset securitization according to an embodiment of the present application, as shown in fig. 4, the flowchart includes step S202 and step S206 in fig. 2, and further includes the following steps:
step S402, synchronizing the block chain evidence information to a second block chain node, performing consensus processing on the block chain evidence information through the block chain, and performing auxiliary storage processing aiming at the block chain through a non-relational database; wherein the non-relational database comprises: the system comprises a key data synchronization module, an inquiry search module and a report service module.
Specifically, the bottom-layer block chain platform realizes multiple backups of data through mutual consensus among bottom-layer nodes, and guarantees that the data cannot be tampered. And meanwhile, services such as message queues, buffers and the like are encapsulated at the bottom layer. The database adopts a non-relational database levelDB or a RocksDB and the like as auxiliary storage of the block chain, so that the query efficiency of the whole system is improved, and the high-frequency query requirement is met. The key management, query search, report service and other functional modules need to be supported by the database as an auxiliary technology.
Through the step S402, the storage processing is carried out through the auxiliary block chain of the non-relational database, so that the storage of the asset securitization service is safer and faster, and the safety and the efficiency of the asset securitization management method are further improved.
In some of these embodiments, the asset securitization management method further comprises the steps of: and writing the basic asset information into the first blockchain node through an API. The API gateway applies a specific API access point to the block chain of the developer, receives API requests of various developers, packages the API requests into block chain transactions and sends the block chain transactions to various block chains; or returning the information acquisition result of each block chain according to the API request. Alternatively, the base asset information may be written to the first blockchain node via the SDK.
The following describes embodiments of the present invention in detail with reference to practical application scenarios. Fig. 5A is a schematic diagram of a management architecture for asset securitization according to a preferred embodiment of the present application, as shown in fig. 5A, the bottom layer is a basic service layer, which provides services such as a blockchain, a database, an intelligent contract, etc., where the blockchain is used to store import records of asset packs, asset aggregation results, cash flow calculation results, product structure test results, asset reports, and ensure data security and traceability; the block chain is matched with the database to provide management of user data, file systems and the like and monitoring of service data. The middle layer is service, including account service, ABS service, data service and other functional modules. The participating members are the initiator, plan manager, rating organization, law firm, and can access the system through client forms such as API interface or browser.
Specifically, the asset securitization management architecture comprises: basic service, middle station service, business service and interface. The basic service comprises a block chain node, a message queue service, a third party service, a cache service and a database service; the bottom layer blockchain platform is mutually identified through blockchain nodes, and meanwhile, services such as message queues, caches and the like are encapsulated on the bottom layer; the non-relational database is used as auxiliary storage of the block chain to improve the query efficiency of the whole system so as to meet the high-frequency query requirement; the key management, query search, report service and other functional modules need to be supported by the database as an auxiliary technology.
The middle station service serves as a middle layer service for a bottom layer basic service and an upper layer application service, and comprises an enterprise user digital identity service, an electronic signature service and a service aggregation middle station. The block data center station is responsible for maintaining the block data; the intelligent contract central station is responsible for contract layer management, and the service logic of the upper application is compiled through the intelligent contract and runs on the block chain to realize the writing of the service logic in the block chain; the service aggregation middle station mainly realizes the aggregation of platform multi-application services.
The business service is a main business module of a management framework and comprises general service, account service, project management, file management and information uplink functions; the general service comprises functions of authorization, short messages, authority, an account book and the like, the account service comprises registration and login, project management comprises functions of project configuration participant, project file configuration, project progress check and the like, file management comprises file uploading, file version management, file update reminding, file feedback, historical file tracing and file check monitoring, information uplink comprises functions of project information uplink, file information uplink, operation behavior uplink and the like, and therefore the ABS full-flow management is achieved. In addition, a series of background management services are provided.
The interface layer is a butt-joint module of a management framework and comprises a Web port and an API (application program interface); the management framework has a plurality of external docking modes, and docking can be performed through a mobile client, a browser or an API. The mechanism or the individual without development strength can use the system service in the form of a mobile client or a web browser, and a trading exchange, a plan manager and the like can be accessed in a mode of directly interfacing with the business system of the individual through an API.
Taking a supply chain financial platform as a financial terminal and an asset securitization management platform as a management terminal, for example, fig. 5B is a flowchart of a management method for securitization of assets according to a preferred embodiment of the present application, as shown in fig. 5B, the flowchart includes the following steps:
step S502, the supply chain financial platform: receiving block chain deposit evidence information by a first block chain link point for deposit evidence through an intelligent contract; the method comprises the steps of combining a bottom layer block chain of a supply chain financial platform to chain up bottom layer basic asset information such as account payouts, circulation and financing and business operation information, and achieving block chain evidence storage.
Step S504, the supply chain financial platform: and synchronizing the block chain deposit evidence information of the first block chain link point to a second block chain node to finish data consensus and synchronization, finishing consensus, and writing the block chain deposit evidence information into the block chain.
Step S506, a supply chain financial platform and an asset securitization management platform: the block chain synchronization block chain certificate storage information is sent to an asset securitization management platform; and the block chain synchronizes the information such as receivable electronic authorization certificate information, contracts, invoice materials and the like to the asset securitization management platform.
Step S508, the assets securitization management platform: and inquiring the block chain verification information through the intelligent contract, and verifying whether the data is tampered by a verification method.
Through the embodiment, the asset securitization business management platform is built based on the block chain technology, so that the basic functions of participant authority configuration, project management, project file management and the like are realized, the functions are expanded outwards under the condition that the conditions are met, and the block chain storage of asset securitization full-flow information at the issuing stage is realized.
In the process of the property securitization business, a plurality of participants exist, and the participants need to perform operations such as feedback, uploading and the like aiming at project files including various transaction files and reports of loan service organizations. At present, uploading, sharing and feedback of project files are all carried out through mails, response time of each participant is slow, project progress is difficult to grasp, and service efficiency is low. In addition, the project file has a large capacity, and uploading, sharing and feedback are performed in a mail mode, so that the history file cannot be effectively retained. By building the asset securitization business management platform, a project initiator can manage projects by taking the projects as dimensionalities, and the project progress is effectively controlled. The multi-party participation mechanism can upload, share and feed back project files on the independent platform, the circulation efficiency of information is improved, and effective retention of history files can be well solved based on the characteristic that a block chain cannot be tampered. In addition, the number of the assets securitization business participants is large, and an interconnection and intercommunication assets securitization business system is not formed among all the participants at present. The solution is to solve by block-chain based techniques. Under the condition of supervision permission, on the premise of protecting user privacy and business confidentiality, an industry alliance chain is established, and application is developed from aspects of asset securitization declaration, issuing, management and the like.
It should be understood that, although the steps in the flowcharts in fig. 2 to 4, and fig. 5B are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-4, and fig. 5B may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-steps or stages is not necessarily sequential, but may be performed alternately or alternatingly with other steps or at least some of the sub-steps or stages of other steps.
The present embodiment further provides a management device for securitization of assets, which is used to implement the foregoing embodiments and preferred embodiments, and the description of the device that has been already made is omitted. As used hereinafter, the terms "module," "unit," "subunit," and the like may implement a combination of software and/or hardware for a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 6 is a block diagram of a management apparatus for securitization of assets according to an embodiment of the present application, as shown in fig. 6, the apparatus including: an uplink module 62, a common identification module 64, and a data synchronization module 66. The uplink module 62 is configured to write the received basic asset information into a first blockchain node by using an intelligent contract of a blockchain, so as to obtain blockchain evidence information; the consensus module 64 is configured to synchronize the blockchain credential information to a second blockchain node, so as to perform consensus processing on the blockchain credential information; the data synchronization module 66 is configured to synchronize the blockchain credential information to the management terminal for management by using the blockchain after the blockchain credential information passes the consensus.
Through the embodiment, the consensus module 64 synchronizes and consensus on the blockchain evidence-storing information of the first blockchain node, and the data synchronization module 66 synchronizes the blockchain evidence-storing information to the management terminal for management by using the blockchain after consensus processing is completed, so that the bottom-layer basic asset is communicated on two platforms through the blockchain, the quality of the bottom-layer basic asset is guaranteed, the recovery condition is transparent, the phenomenon that asset credit is isolated from main credit due to the fact that the bottom-layer basic asset is opaque is avoided, and the problem of low security of the asset securitization management method is solved.
In some embodiments, the data synchronization module 66 is further configured to query the blockchain certification information through the smart contract on the management terminal, and further detect a tampering result of the blockchain certification information through a signature verification method.
In some of these embodiments, the asset securitization management device further comprises a rights module; the authority module is used for opening the data authority of the block chain certificate storage information to the management terminal by using a three-authority separation mechanism.
In some embodiments, the consensus module 64 is further configured to perform consensus on the blockchain credential information via the blockchain and perform auxiliary storage processing for the blockchain via a non-relational database; wherein the non-relational database comprises: the system comprises a key data synchronization module, an inquiry search module and a report service module.
In some embodiments, the uplink module 62 is further configured to write the base asset information to the first blockchain node through an application program interface; or writing the basic asset information into the first blockchain node through a software development kit.
The above modules may be functional modules or program modules, and may be implemented by software or hardware. For a module implemented by hardware, the modules may be located in the same processor; or the modules can be respectively positioned in different processors in any combination.
The embodiment further provides a management system for asset securitization, and fig. 7 is a block diagram of a management system for asset securitization according to an embodiment of the present application, as shown in fig. 7, the system includes: financial terminal 72, management terminal 76, and blockchain 74; the financial terminal 72 writes the received basic asset information into a first blockchain node of the blockchain 74 by using the intelligent contract of the blockchain 74 to obtain blockchain warranty information; the blockchain 74 synchronizes the blockchain credential information to a second blockchain node to perform consensus processing on the blockchain credential information; after the co-identification of the blockchain credit information is passed, the blockchain 74 synchronizes the blockchain credit information to the management terminal 76 for management by using the blockchain.
Through the embodiment, the block chain 74 synchronizes and recognizes the block chain evidence storing information of the first block chain node, and synchronizes the block chain evidence storing information to the management terminal 76 for management after the consensus processing is completed, so that the bottom layer basic asset is communicated on two platforms through the block chain, the quality of the bottom layer basic asset is guaranteed, the recovery condition is transparent, the phenomenon that asset credit is separated from main body credit due to the fact that the bottom layer basic asset is opaque is avoided, and the problem that the security of the asset securitization management method is low is solved.
In some embodiments, the management terminal 76 is further configured to query the blockchain certification information through the smart contract, and further detect a tampering result of the blockchain certification information through a signature verification method.
In some embodiments, the financial terminal 72 is further configured to open the data authority of the blockchain credentialing information to the management terminal 76 by using a three-way mechanism.
In some embodiments, the financial terminal 72 is further configured to perform a consensus process on the blockchain certification information via the blockchain 74, and perform an auxiliary storage process for the blockchain 74 via a non-relational database; wherein the non-relational database comprises: the system comprises a key management module, a query search module and a report service module.
In some embodiments, the financial terminal 72 is further configured to write the base asset information to the first blockchain node through an application program interface; alternatively, the financial terminal 72 writes the underlying asset information to the first blockchain node via a software development kit.
The embodiment also provides a computer device, which may be a server, and fig. 8 is a structural diagram of the inside of the computer device according to the embodiment of the present application, as shown in fig. 8. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used to store the underlying asset information. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement the above-described asset securitization management method.
Those skilled in the art will appreciate that the architecture shown in fig. 8 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
The present embodiment also provides an electronic device comprising a memory having a computer program stored therein and a processor configured to execute the computer program to perform the steps of any of the above method embodiments.
Optionally, the electronic apparatus may further include a transmission device and an input/output device, wherein the transmission device is connected to the processor, and the input/output device is connected to the processor.
Optionally, in this embodiment, the processor may be configured to execute the following steps by a computer program:
and S1, writing the received basic asset information into the first block chain node by using the intelligent contract of the block chain so as to obtain block chain evidence information.
S2, synchronizing the blockchain authentication information to a second blockchain node to perform consensus processing on the blockchain authentication information.
S3, after the consensus of the blockchain credentials passes, the blockchain credentials are synchronized to the management terminal by the blockchain for management.
It should be noted that, for specific examples in this embodiment, reference may be made to examples described in the foregoing embodiments and optional implementations, and details of this embodiment are not described herein again.
In addition, in combination with the asset securitization management method in the above embodiments, the embodiments of the present application may provide a storage medium to implement. The storage medium having stored thereon a computer program; the computer program, when executed by a processor, implements any of the above embodiments of the method for asset securitization management.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
It should be understood by those skilled in the art that various features of the above-described embodiments can be combined in any combination, and for the sake of brevity, all possible combinations of features in the above-described embodiments are not described in detail, but rather, all combinations of features which are not inconsistent with each other should be construed as being within the scope of the present disclosure.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A method for managing securitization of assets, the method comprising:
writing the received basic asset information into a first block chain node by using an intelligent contract of a block chain to obtain block chain evidence storage information;
synchronizing the block link certificate information to a second block link node to perform consensus processing on the block link certificate information;
and after the block chain certificate information is identified, synchronizing the block chain certificate information to a management terminal by using the block chain for management.
2. The management method according to claim 1, wherein the synchronizing the blockchain credential information to a management terminal by using the blockchain comprises:
and inquiring the block chain evidence storing information through the intelligent contract on the management terminal, and further detecting a tampering result of the block chain evidence storing information through a signature checking method.
3. The method according to claim 1, wherein after the block chain is used to synchronize the block chain credit information to a management terminal for management, the method further comprises:
and opening the data authority of the block link certificate information to the management terminal by using a three-authority separation mechanism.
4. The management method according to claim 1, wherein the performing consensus processing on the blockchain credential information comprises:
performing consensus processing on the block chain certificate storage information through the block chain, and performing auxiliary storage processing aiming at the block chain through a non-relational database;
wherein the non-relational database comprises: the system comprises a key management module, a query search module and a report service module.
5. The method according to any one of claims 1 to 4, wherein the writing the received base asset information to the first block link point comprises:
writing the base asset information into the first blockchain node through an application program interface; or writing the basic asset information into the first blockchain node through a software development kit.
6. An asset securitization management apparatus, the apparatus comprising: the system comprises a chain chaining module, a common identification module and a data synchronization module;
the uplink module is used for writing the received basic asset information into a first block chain node by using an intelligent contract of a block chain so as to obtain block chain evidence information;
the consensus module is used for synchronizing the block chain evidence storing information to a second block chain node so as to perform consensus processing on the block chain evidence storing information;
and the data synchronization module is used for synchronizing the block chain certificate storage information to a management terminal by using the block chain for management after the block chain certificate storage information passes the consensus.
7. A system for managing the securitization of assets, said system comprising: a financial terminal, a management terminal and a block chain;
the financial terminal writes the received basic asset information into a first block chain node of the block chain by using an intelligent contract of the block chain so as to obtain block chain evidence storage information;
the block chain synchronizes the block chain certificate information to a second block chain node so as to perform consensus processing on the block chain certificate information;
and after the block chain passes the block chain certificate information consensus, synchronizing the block chain certificate information to the management terminal by using the block chain for management.
8. The management system according to claim 7, wherein the management terminal is further configured to query the block chain certification information through the smart contract, and further detect a tampering result of the block chain certification information through a signature verification method.
9. An electronic device comprising a memory and a processor, wherein the memory has stored therein a computer program, and the processor is arranged to run the computer program to perform the method of managing asset securitization of any one of claims 1 to 5.
10. A storage medium having stored thereon a computer program, wherein the computer program is arranged to execute the method of managing assets securitization of any one of claims 1 to 5 when run.
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