CN112529700A - Business handling and auditing method, system, equipment and readable storage medium - Google Patents
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- 238000012550 audit Methods 0.000 claims description 46
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- 230000008569 process Effects 0.000 abstract description 14
- 238000005516 engineering process Methods 0.000 abstract description 7
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
Abstract
The invention discloses a method, a system, equipment and a readable storage medium for business handling and auditing, wherein the method comprises the following steps: the service platform receives a first service application request sent by an application party; the service platform acquires a document template corresponding to the service type information of the service party from the block chain; the service platform forms a document file containing document variable information according to the document template, and forms all document variable information contained in the document file into a variable text file; the service platform generates a document number for the document file, and stores the document number, the document file and the variable text file into the block chain in a correlation manner; the service platform sends a second service application request containing the document number to the service party; the invention can optimize the business handling process and improve the business auditing efficiency and the business auditing accuracy; in addition, the invention also relates to a block chain technology.
Description
Technical Field
The invention relates to the technical field of transaction verification, in particular to a method, a system, equipment and a readable storage medium for transaction processing and auditing.
Background
In a scene of applying for financial business, document files such as contracts and agreements are generated according to business requirements, but the existing document files all adopt a picture format or a PDF format, and a business party needs to audit the document files based on the picture format or the PDF format; although the prior art can adopt an OCR (Optical Character Recognition) technology to recognize specific application information from a document file, Recognition errors occur, the Recognition errors are not accurate enough, and manual matching and verification are needed; therefore, a large amount of labor cost is wasted, and efficiency is not high.
Disclosure of Invention
The invention aims to provide a service handling and auditing method, a system, equipment and a readable storage medium, which can optimize a service handling process and improve service auditing efficiency and service auditing accuracy.
According to one aspect of the invention, a business handling and auditing method is provided, which comprises the following steps:
the service platform receives a first service application request sent by an application party; wherein the first service application request comprises: service type information of a service party;
the service platform acquires a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: the document variable item of the document variable information is added;
the service platform forms a document file containing document variable information according to the document template, and forms all document variable information contained in the document file into a variable text file;
the service platform generates a document number for the document file, and stores the document number, the document file and the variable text file into the block chain in a correlation manner;
and the service platform sends a second service application request containing the document number to the service party so that the service party can acquire the document file and the variable text file from the block chain according to the document number and check the document file according to the variable text file.
Optionally, the step of forming, by the service platform, a document file including document variable information according to the document template specifically includes:
the service platform acquires the application information of the applicant according to the identification information of the applicant;
the service platform acquires a preset generation rule of each document variable item in the document template;
aiming at each document variable item, the service platform calculates the document variable information of each document variable item according to the application information and the corresponding preset generation rule;
and the service platform adds all the calculated document variable information into the document template to form a document file.
Optionally, after the step of forming, by the service platform, a document file containing document variable information according to the document template, the method further includes:
the service platform acquires the electronic signature of the applicant and the electronic official seal of the business party, and adds the electronic signature and the electronic official seal into the document file.
Optionally, after the step of sending, by the service platform, the second service application request including the document number to the service party, the method further includes:
the service party analyzes the document number and the identity identification information of the requester from the second service application request;
the business party acquires the document file and the variable text file which are associated with the document number from the block chain;
the service party acquires application information corresponding to the identity identification information of the application party;
the business party checks the variable text file according to the application information;
and the business side sends an audit result message to the service platform.
Optionally, the step of the service party auditing the variable text file according to the application information specifically includes:
the business party acquires a document template corresponding to the document file and acquires a preset generation rule of each document variable item in the document template;
for each document variable item, the business side calculates the document variable information of each document variable item according to the application information and the corresponding preset generation rule;
the business party forms an audit text file according to the document variable information of all the document variable items;
and the service party judges whether the variable text file is consistent with the audit text file, if so, the audit is passed, and if not, the audit is not passed.
Optionally, the step of the service party determining whether the variable text file and the audit text file are consistent includes:
the business party respectively calculates a first abstract value of the variable text file and a second abstract value of the audit text file by using a Hash algorithm;
and the service party judges whether the first abstract value and the second abstract value are consistent.
In order to achieve the above object, the present invention further provides a system for transaction and audit, wherein the system comprises: a service platform and a business party; wherein the content of the first and second substances,
the service platform is used for receiving a first service application request sent by an application party; wherein the first service application request comprises: service type information of a service party; acquiring a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: the document variable item of the document variable information is added; forming a document file containing document variable information according to the document template, and forming all document variable information contained in the document file into a variable text file; generating a document number for unique identification for the document file, and storing the document number, the document file and the variable text file in the block chain in a correlation manner; sending a second service application request containing the document number to the service party;
the service party is used for analyzing the document number and the identification information of the requester from the second service application request; acquiring a document file and a variable text file which are associated with the document number from the block chain; acquiring application information corresponding to the identification information of the applicant; auditing the variable text file according to the application information; and sending an audit result message to the service platform.
Optionally, the service platform is further configured to:
and acquiring the electronic signature of the applicant and the electronic official seal of the service party, and adding the electronic signature and the electronic official seal into the document file.
In order to achieve the above object, the present invention further provides a computer device, which specifically includes: a memory, a processor and a computer program stored on the memory and operable on the processor, wherein the processor implements the steps of the service transaction and audit method introduced above when executing the computer program.
In order to achieve the above object, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of the above-described service transacting and auditing method.
According to the business handling and auditing method, system and device and the readable storage medium, all the document variable information added to the document template is collected in the process of forming the document file in the picture format or the PDF format according to the document template, so that all the document variable information is formed into the variable text file in the text format for the business party to audit. Therefore, the problem that the auditing is inaccurate due to inaccurate identification information in the process of identifying information from the document file by using an OCR technology by a business party is solved; the invention can optimize the business handling process and improve the business auditing efficiency and the business auditing accuracy.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
fig. 1 is an alternative flow diagram of a service transaction and audit method according to an embodiment;
FIG. 2 is a schematic flow chart of another alternative method for transaction and audit according to the second embodiment;
fig. 3 is an alternative structural diagram of the service transaction and audit device provided in the third embodiment;
fig. 4 is a schematic structural diagram of another optional component of the service transaction and audit device according to the fourth embodiment;
FIG. 5 is an alternative flow chart of the business handling and auditing system provided in the fifth embodiment;
fig. 6 is an alternative hardware architecture diagram of the computer device according to the sixth embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example one
The embodiment of the invention provides a business handling and auditing method which is applied to a service platform, and as shown in figure 1, the method specifically comprises the following steps:
step S101: the service platform receives a first service application request sent by an application party; wherein the first service application request comprises: service type information of the service party.
In this embodiment, an applicant (i.e., a user) may apply to transact various types of financial services, such as loan services, insurance services, and accumulation services, through a financial service platform. It should be noted that the financial service platform can interface with a plurality of business parties to handle different types of financial businesses through different business parties.
Step S102: the service platform acquires a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: and adding the document variable item of the document variable information.
In this embodiment, the business party sets a corresponding document template for each financial business type in advance, the document template is a contract template signed by the application party and the business party, and the document template is uploaded to the block chain to ensure the security and the fair transparency to the user, and the document template uploaded to the block chain cannot be tampered. The financial services platform may download the document template from the blockchain.
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
Step S103: and the service platform forms a document file containing document variable information according to the document template, and forms all document variable information contained in the document file into a variable text file.
Specifically, the step of forming the document file containing document variable information by the service platform according to the document template includes:
step A1: the service platform acquires the application information of the applicant according to the identification information of the applicant;
the identity identification information of the applicant can be acquired from the first service application request;
preferably, the application information includes: the basic information of the applicant and the credit investigation information of the applicant; the application information can be actively provided by an applicant, and can also be acquired from a database according to the identification information of the applicant.
Step A2: the service platform acquires a preset generation rule of each document variable item in the document template;
step A3: aiming at each document variable item, the service platform calculates the document variable information of each document variable item according to the application information and the corresponding preset generation rule;
step A4: and the service platform adds all the calculated document variable information into the document template to form a document file.
In this embodiment, when the applicant triggers the first service application request through the financial service platform, the financial service platform may request the applicant to fill in basic information of the applicant, for example: name, identification number, address, mobile phone number, etc.; the financial service platform acquires corresponding basic information of the applicant according to the document variable items in the document template, and converts the basic information of the applicant into document variable information according to a preset generation rule; in addition, the financial service platform also acquires the applicant credit investigation information of the applicant from a preset credit investigation system according to the applicant basic information of the applicant, acquires the corresponding applicant credit investigation information according to the document variable item in the document template, and converts the applicant credit investigation information into document variable information according to a preset generation rule; and finally, the financial service platform adds the document variable information to the document template to form a document file in a PDF format.
In addition, because the document file is a file in a PDF format, if the document file is directly provided to the service party for auditing, the service party needs to identify document variable information in the document file by adopting a manual auditing manner, which consumes a large amount of labor cost and has low efficiency; or, a business party needs to recognize the document variable information by using OCR, but OCR technology has recognition errors, and accuracy of the recognized document variable information cannot be guaranteed. In order to avoid the above problem, in this embodiment, in the process of forming the document file, all document variable information added to the document template is collected, so that all document variable information is formed into a variable text file in a text format for the business party to review and use.
Further, the method further comprises:
the service platform acquires the electronic signature of the applicant and the electronic official seal of the business party, and adds the electronic signature and the electronic official seal into the document file.
Step S104: and the service platform generates a document number for the document file, wherein the document number is used for unique identification, and stores the document number, the document file and the variable text file in the block chain in a correlation manner.
In this embodiment, the document file and the variable text file are uploaded to the blockchain to ensure security and fair transparency to the user, and the document file and the variable text file uploaded to the blockchain cannot be tampered.
Step S105: and the service platform sends a second service application request containing the document number to the service party so that the service party can acquire the document file and the variable text file from the block chain according to the document number and check the document file according to the variable text file.
It should be further noted that, the second service application request further includes: identification information of the applicant.
Example two
An embodiment of the present invention provides a method for transacting and auditing a service, which is applied to a service party, and as shown in fig. 2, the method specifically includes the following steps:
step S201: and the service party analyzes the document number and the identification information of the requester from the second service application request.
In this embodiment, an applicant (i.e., a user) may apply to transact various types of financial services, such as loan services, insurance services, and accumulation services, through a financial service platform. It should be noted that the financial service platform can interface with a plurality of business parties to handle different types of financial businesses through different business parties.
Step S202: the business party acquires the document file and the variable text file which are associated with the document number from the block chain; the document file is generated according to a document template, the document template comprises document variable items of document variable information to be added, and the variable text file is formed according to all the document variable information in the document file.
In this embodiment, the document file and the variable text file are uploaded to the blockchain to ensure security and fair transparency to the user, and the document file and the variable text file uploaded to the blockchain cannot be tampered.
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
Step S203: and the service party acquires application information corresponding to the identification information of the application party.
Preferably, the application information includes: the basic information of the applicant and the credit information of the applicant.
In this embodiment, the service party may directly obtain the application information corresponding to the identification information from the application party; in addition, since the service platform also obtains the application information corresponding to the identification information from the application party in advance, the service party can also obtain the application information corresponding to the identification information from the service platform.
Step S204: and the business party checks the variable text file according to the application information.
Specifically, step S204 includes:
step B1: the business party acquires a document template corresponding to the document file and acquires a preset generation rule of each document variable item in the document template;
step B2: for each document variable item, the business side calculates the document variable information of each document variable item according to the application information and the corresponding preset generation rule;
step B3: the business party forms an audit text file according to the document variable information of all the document variable items;
step B4: and the service party judges whether the variable text file is consistent with the audit text file, if so, the audit is passed, and if not, the audit is not passed.
Further, the step of judging whether the variable text file is consistent with the audit text file specifically includes:
the business party respectively calculates a first abstract value of the variable text file and a second abstract value of the audit text file by using a Hash algorithm;
and the service party judges whether the first abstract value and the second abstract value are consistent.
Step S205: and the business side sends an audit result message to the service platform.
In this embodiment, since the document file is a file in PDF format, if the document file is directly provided to the service party for auditing, the service party needs to identify document variable information in the document file by a manual auditing manner, which consumes a lot of labor cost and has low efficiency; or, a business party needs to recognize the document variable information by using OCR, but OCR technology has recognition errors, and accuracy of the recognized document variable information cannot be guaranteed. In order to avoid the above problem, in this embodiment, in the process of forming the document file, all document variable information added to the document template is collected, so that all document variable information is formed into a variable text file in a text format for the business party to review and use.
In this embodiment, an audit rule may be preset, and the variable text file may be automatically audited based on the relevant basic information and the relevant credit investigation information according to the audit rule, so that an audit process is simplified, and accuracy of audit is improved.
EXAMPLE III
The embodiment of the invention provides a business handling and auditing device which is applied to a service platform, and as shown in figure 3, the device specifically comprises the following components:
a receiving module 301, configured to receive a first service application request sent by an applicant; wherein the first service application request comprises: service type information of a service party;
an obtaining module 302, configured to obtain a document template corresponding to the service type information of the service party from a blockchain; wherein, the document template includes: the document variable item of the document variable information is added;
a forming module 303, configured to form a document file including document variable information according to the document template, and form all document variable information included in the document file into a variable text file;
a storage module 304, configured to generate a document number for a unique identifier for the document file, and store the document number, the document file, and the variable text file in the block chain in an associated manner;
a sending module 305, configured to send a second service application request including the document number to the service party, so that the service party obtains the document file and the variable text file from the block chain according to the document number, and verifies the document file according to the variable text file.
Specifically, a module 303 is formed for:
acquiring the application information of the applicant according to the identity identification information of the applicant; acquiring a preset generation rule of each document variable item in the document template; for each document variable item, calculating the document variable information of each document variable item according to the application information and the corresponding preset generation rule; and adding all the calculated document variable information into the document template to form a document file.
Further, the apparatus further comprises:
an add module to: and the service platform adds all the calculated document variable information into the document template to form a document file.
Example four
An embodiment of the present invention provides a service handling and auditing apparatus, which is applied to a service party, and as shown in fig. 4, the apparatus specifically includes the following components:
the analysis module 401 is configured to analyze the document number and the identification information of the requester from the second service application request;
an obtaining module 402, configured to obtain a document file and a variable text file associated with the document number from the block chain;
a processing module 403, configured to obtain application information corresponding to the identification information of the applicant;
an auditing module 404, configured to audit the variable text file according to the application information;
a sending module 405, configured to send an audit result message to the service platform.
Specifically, the auditing module 404 is configured to:
acquiring a document template corresponding to the document file, and acquiring a preset generation rule of each document variable item in the document template; for each document variable item, calculating the document variable information of each document variable item according to the application information and the corresponding preset generation rule; forming an audit text file according to the document variable information of all document variable items; and judging whether the variable text file is consistent with the audit text file, if so, the audit is passed, and if not, the audit is not passed.
Further, when the function of determining whether the variable text file and the audit text file are consistent is implemented by the audit module 404, the method specifically includes:
respectively calculating a first abstract value of the variable text file and a second abstract value of the audit text file by using a Hash algorithm; and judging whether the first abstract value and the second abstract value are consistent.
EXAMPLE five
An embodiment of the present invention provides a service handling and auditing system, which specifically includes the following components: an applicant 501, a service platform 502 and a service party 503; wherein:
the service platform 502 is configured to receive a first service application request sent by the applicant 501; wherein the first service application request comprises: service type information of a service party; acquiring a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: the document variable item of the document variable information is added; forming a document file containing document variable information according to the document template, and forming all document variable information contained in the document file into a variable text file; generating a document number for unique identification for the document file, and storing the document number, the document file and the variable text file in the block chain in a correlation manner; sending a second service application request containing the document number to the service party;
the service party 503 is configured to parse the document number and the identification information of the requesting party from the second service application request; acquiring a document file and a variable text file which are associated with the document number from the block chain; acquiring application information corresponding to the identification information of the applicant; auditing the variable text file according to the application information; an audit result message is sent to the service platform 502.
The specific functions that can be realized by the service platform 502 can be referred to in the first embodiment, and the detailed description is not repeated herein; for specific functions that the service party 503 can implement, reference may be made to the second embodiment, and details of this embodiment are not repeated herein.
EXAMPLE six
The embodiment also provides a computer device, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack server, a blade server, a tower server or a rack server (including an independent server or a server cluster composed of a plurality of servers) capable of executing programs, and the like. As shown in fig. 6, the computer device 60 of the present embodiment includes at least, but is not limited to: a memory 601, a processor 602 communicatively coupled to each other via a system bus. It should be noted that FIG. 6 only shows the computer device 60 having components 601 and 602, but it should be understood that not all of the shown components are required to be implemented, and that more or fewer components can be implemented instead.
In this embodiment, the memory 601 (i.e., a readable storage medium) includes a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the storage 601 may be an internal storage unit of the computer device 60, such as a hard disk or a memory of the computer device 60. In other embodiments, the memory 601 may also be an external storage device of the computer device 60, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), etc. provided on the computer device 60. Of course, the memory 601 may also include both internal and external storage devices for the computer device 60. In the present embodiment, the memory 601 is generally used for storing an operating system and various types of application software installed in the computer device 60. In addition, the memory 601 can also be used to temporarily store various types of data that have been output or are to be output.
Processor 602 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 602 is typically used to control the overall operation of the computer device 60.
Specifically, in this embodiment, the processor 602 is configured to execute the program of the business handling and auditing method stored in the memory 601, and when executed, the program of the business handling and auditing method implements the following steps:
the service platform receives a first service application request sent by an application party; wherein the first service application request comprises: service type information of a service party;
the service platform acquires a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: the document variable item of the document variable information is added;
the service platform forms a document file containing document variable information according to the document template, and forms all document variable information contained in the document file into a variable text file;
the service platform generates a document number for the document file, and stores the document number, the document file and the variable text file into the block chain in a correlation manner;
and the service platform sends a second service application request containing the document number to the service party so that the service party can acquire the document file and the variable text file from the block chain according to the document number and check the document file according to the variable text file.
The specific embodiment process of the above method steps can be referred to in the first embodiment and the second embodiment, and the detailed description of the embodiment is not repeated here.
EXAMPLE seven
The present embodiments also provide a computer readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application mall, etc., having stored thereon a computer program that when executed by a processor implements the method steps of:
the service platform receives a first service application request sent by an application party; wherein the first service application request comprises: service type information of a service party;
the service platform acquires a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: the document variable item of the document variable information is added;
the service platform forms a document file containing document variable information according to the document template, and forms all document variable information contained in the document file into a variable text file;
the service platform generates a document number for the document file, and stores the document number, the document file and the variable text file into the block chain in a correlation manner;
and the service platform sends a second service application request containing the document number to the service party so that the service party can acquire the document file and the variable text file from the block chain according to the document number and check the document file according to the variable text file.
The specific embodiment process of the above method steps can be referred to in the first embodiment and the second embodiment, and the detailed description of the embodiment is not repeated here.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A business handling and auditing method, the method comprising:
the service platform receives a first service application request sent by an application party; wherein the first service application request comprises: service type information of a service party;
the service platform acquires a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: the document variable item of the document variable information is added;
the service platform forms a document file containing document variable information according to the document template, and forms all document variable information contained in the document file into a variable text file;
the service platform generates a document number for the document file, and stores the document number, the document file and the variable text file into the block chain in a correlation manner;
and the service platform sends a second service application request containing the document number to the service party so that the service party can acquire the document file and the variable text file from the block chain according to the document number and check the document file according to the variable text file.
2. The business handling and auditing method of claim 1 where the step of the service platform forming a document file containing document variable information according to the document template specifically includes:
the service platform acquires the application information of the applicant according to the identification information of the applicant;
the service platform acquires a preset generation rule of each document variable item in the document template;
aiming at each document variable item, the service platform calculates the document variable information of each document variable item according to the application information and the corresponding preset generation rule;
and the service platform adds all the calculated document variable information into the document template to form a document file.
3. A business handling and auditing method according to claim 1 after the step of the service platform forming a document file containing document variable information from the document template, the method further comprising:
the service platform acquires the electronic signature of the applicant and the electronic official seal of the business party, and adds the electronic signature and the electronic official seal into the document file.
4. A business handling and auditing method according to claim 1 after the step of the service platform sending a second business application request to the business party that includes the document number, the method further comprising:
the service party analyzes the document number and the identity identification information of the requester from the second service application request;
the business party acquires the document file and the variable text file which are associated with the document number from the block chain;
the service party acquires application information corresponding to the identity identification information of the application party;
the business party checks the variable text file according to the application information;
and the business side sends an audit result message to the service platform.
5. The business handling and auditing method of claim 4 where the step of the business party auditing the variable text file according to the application information specifically includes:
the business party acquires a document template corresponding to the document file and acquires a preset generation rule of each document variable item in the document template;
for each document variable item, the business side calculates the document variable information of each document variable item according to the application information and the corresponding preset generation rule;
the business party forms an audit text file according to the document variable information of all the document variable items;
and the service party judges whether the variable text file is consistent with the audit text file, if so, the audit is passed, and if not, the audit is not passed.
6. The method for transaction and audit of claim 5 wherein the step of the business party determining whether the variant text file and the audit text file are consistent includes:
the business party respectively calculates a first abstract value of the variable text file and a second abstract value of the audit text file by using a Hash algorithm;
and the service party judges whether the first abstract value and the second abstract value are consistent.
7. A business handling and auditing system, the system comprising: a service platform and a business party; wherein the content of the first and second substances,
the service platform is used for receiving a first service application request sent by an application party; wherein the first service application request comprises: service type information of a service party; acquiring a document template corresponding to the service type information of the service party from the block chain; wherein, the document template includes: the document variable item of the document variable information is added; forming a document file containing document variable information according to the document template, and forming all document variable information contained in the document file into a variable text file; generating a document number for unique identification for the document file, and storing the document number, the document file and the variable text file in the block chain in a correlation manner; sending a second service application request containing the document number to the service party;
the service party is used for analyzing the document number and the identification information of the requester from the second service application request; acquiring a document file and a variable text file which are associated with the document number from the block chain; acquiring application information corresponding to the identification information of the applicant; auditing the variable text file according to the application information; and sending an audit result message to the service platform.
8. A business handling and auditing system according to claim 7 where the service platform is further configured to:
and acquiring the electronic signature of the applicant and the electronic official seal of the service party, and adding the electronic signature and the electronic official seal into the document file.
9. A computer device, the computer device comprising: memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.
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| CN202011592458.2A CN112529700A (en) | 2020-12-29 | 2020-12-29 | Business handling and auditing method, system, equipment and readable storage medium |
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