CN112561529B - Financial product sales system and method based on block chain - Google Patents

Financial product sales system and method based on block chain Download PDF

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CN112561529B
CN112561529B CN202011493930.7A CN202011493930A CN112561529B CN 112561529 B CN112561529 B CN 112561529B CN 202011493930 A CN202011493930 A CN 202011493930A CN 112561529 B CN112561529 B CN 112561529B
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CN112561529A (en
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黄国良
刘炜
张翼
蒋少君
黄盛鼎
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Shenzhen Great China Blockchain Technology Co ltd
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Abstract

The invention discloses a financial product sales system based on a blockchain, which comprises an account creation module, a management module and a management module, wherein the account creation module creates a key pair and a user address for a user; the identity verification module acquires user information and verifies the identity qualification of the user; the sales conception module acquires financial product conception information, carries out digital signature and sends an authentication request to a supervision mechanism; the examination module acquires examination information, carries out digital signature and sends the digital signature to the blockchain to issue financial products; the transaction module acquires transaction information of financial products, performs digital signature and uploads the digital signature to the blockchain; the product checking module acquires a product checking request, and acquires and transmits financial product information in the blockchain; the product purchase module acquires the product purchase information and performs signature and uploading the product purchase information to the blockchain. The invention also discloses a financial product selling method based on the block chain. The invention links the information of the financial products, ensures the authenticity of the data and improves the purchase reliability of the financial products.

Description

Financial product sales system and method based on block chain
Technical Field
The invention relates to the technical field of blockchains, in particular to a financial product sales system and method based on a blockchain.
Background
At present, the financial product supply mechanisms in the market are numerous, the products in the market are daily and monthly, and even if the internet provides a network for people to inquire data and compare financial products, no way is available for ensuring the responsibility on the internet for whether the products are in compliance or not. Some institutions often sell illegal products in the existing financial product market, tracing/accountability/supervision mechanisms of the products are not perfect, information writing of a product notice is difficult to distinguish true from false, some irregular financial securities companies randomly issue financial products, and sales staff of the financial institutions such as job positions/off-office insurance are hooked to illegally sell the financial products for illegal fund collection, then roll money running and the like. The main reason that the deceived masses have no effect on false maintenance of information is that the existing system cannot effectively monitor funds of financial institutions, the funds are not transparent, investors cannot know the funds of the investors, the principle of transparency of financial publicity is not met, the sales authenticity of financial products cannot be guaranteed, and the legal rights and interests of consumers cannot be guaranteed.
Disclosure of Invention
In order to overcome the above problems or at least partially solve the above problems, embodiments of the present invention provide a system and a method for selling financial products based on blockchain, which links information of the financial products, ensures authenticity of data, further improves reliability of purchasing the financial products, standardizes sales order of the financial products, and ensures legal rights and interests of consumers.
Embodiments of the present invention are implemented as follows:
in a first aspect, an embodiment of the present invention provides a blockchain-based financial product sales system, including an account creation module, an identity verification module, a sales concept module, an audit module, a transaction module, a product viewing module, and a product purchase module, wherein:
the account creation module is used for acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises a financial product issuer, a supervising mechanism, an invested third party and a financial product purchaser;
the identity verification module is used for acquiring user information, verifying user identity qualification, binding the user information with a user address after the user identity qualification is verified, digitally signing the user information by adopting a private key in a key pair of a user, and uploading the digitally signed user information to the block chain;
the sales conception module is used for acquiring financial product conception information of the financial product issuer, digitally signing the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sending an authentication request to the monitoring mechanism;
The system comprises an inspection module, a block chain and a management module, wherein the inspection module is used for acquiring inspection information of an inspection mechanism, carrying out digital signature on the inspection information by adopting a private key in a key pair of the inspection mechanism, and sending financial product information in the inspection information to the block chain for selling the financial product;
the transaction module is used for acquiring financial product transaction information between the invested third party and the financial product issuer, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the digital signature to the blockchain;
the product checking module is used for acquiring a product checking request of the financial product purchaser, acquiring and transmitting financial product information in the block chain to the financial product purchaser according to the product checking request;
and the product purchase module is used for acquiring the product purchase information of the financial product purchaser, digitally signing the product purchase information by adopting a private key in the key pair of the financial product purchaser and uploading the product purchase information to the blockchain.
When each user logs in the system for the first time, the system prompts the user to create an account, the account creation module acquires initial login information of the user, the user account is created, a key pair and a user address are created for the user, and the user comprises a financial product issuer, a supervising mechanism, an invested third party and a financial product purchaser; the key pair comprises a public key and a private key, a string of random characters input by a user is input as the private key before the key pair is stored, the private key is encrypted by combining a symmetric encryption algorithm AES, the encrypted private key is stored in a local browser of the user, 12 mnemonic words arranged in 2048 mnemonic dictionaries are randomly extracted and used for verifying the uniqueness of an account, and the private key and the public key are encrypted by asymmetric cryptography through the mnemonics; and simultaneously binding the mobile phone number of the user with the user address through the mobile phone number and the mobile phone verification code provided by the user, and creating a unique account for each user according to different users so as to store and record the information of the corresponding user in the corresponding user account. After the user account, the key pair and the user address are established, user information is acquired through an identity verification module, user identity seniority is verified, the user information and the user address are bound after verification is successful, a private key in the key pair of the user is adopted to digitally sign the user information, the digitally signed user information is uploaded to a blockchain, the user information comprises the user identity information and the business information, the user information is uploaded to the blockchain, the irrecoverability and the public transparency of the information are guaranteed, and subsequent viewing is facilitated; after verification is completed, the financial product issuer puts forward a financial product conception, establishes a new block on a chain to record products, binds and opens new bank account numbers, product examination data and the like, including but not limited to digital signature of files such as financial product files (product manager/product characteristics/product life cycle/investment direction/service contract and the like) mechanism qualification certificates, submits the files to a monitoring mechanism for examination and authentication, acquires financial product conception information of the financial product issuer through an selling conception module, digitally signs the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sends an authentication request to the monitoring mechanism; the legal representative or responsible person of the supervising mechanism has the right to examine and approve the product information submitted by the financial product issuer, and gives a pass or fail, the final result needs to be digital signature record time stamp, the product information is uploaded to the IPFS system, the IPFS system returns CID parameters, and the CID parameters are recorded on the block in parallel with the previous hash value; obtaining examination information of an inspection mechanism through an examination module, digitally signing the examination information by adopting a private key in a key pair of the inspection mechanism, and sending financial product information in the examination information to a blockchain for selling the financial product, wherein the examination information comprises financial product information and pass or not information; only when the supervising agency examines the products which pass the digital signature, the financial product issuer has authority to sell the products in the system; after the approval is passed, the supervising mechanism has the right to supervise and check the product operation data of the product issuer, including the amount and effect of the investment third party mechanism, and has the supervising and speaking rights but no operation rights on the product. After the product is sold, the user purchases funds and concentrates the funds in the recorded bank account, the product manager performs investment distribution processing, each item must be digitally signed and confirmed by an investment third party and a financial product issuer to be stamped with a time stamp, and the money is conveniently tracked and recorded; acquiring financial product transaction information between an invested third party and a financial product issuer through a transaction module, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the digital signature to a blockchain; after the financial product is sold, a user can check related financial product information in the blockchain, a product check request of a financial product purchaser is acquired through a product check module, the financial product information in the blockchain is acquired and sent to the financial product purchaser according to the product check request, the client can check the checked product/product document, the transaction record (without displaying transaction amount) of a third party invested in the month and a financial product issuer and the introduction information of the third party, the user digital signature is needed for purchasing the financial product, and the financial product purchaser can check the on-chain file and directly check the checked financial product information; after the financial product purchaser purchases the corresponding product, the product purchase information of the financial product purchaser is obtained through the product purchase module, the product purchase information is digitally signed by a private key in a key pair of the financial product purchaser and uploaded to the block chain, and after the financial product purchaser purchases the product, the hash value record of the purchased product can be checked on the block chain to follow whether the flow direction of funds reaches the appointed product account of the financial product purchaser company.
The system is developed from a financial product issuer to a certification authority or has the verification of a legal issuing mechanism, and is up-linked through the records of a saleable and clear-check issuer or mechanism, so that the third party who purchases/transfers the financial product and invests the financial processing is clear and right in a block chain system, the characteristics of true/irreversible/traceable of the block chain technology are utilized, the public degree/credibility/flexibility of the financial industry is greatly improved, the standardization of the industry is improved, the people can more confident purchase the financial product, the possibility of generating the nonstandard financial product is reduced, the financial market can be standardized, the product sponsor or enterprise and the supervising mechanism or product support party are standardized, all the behavior records of the sales person and the third party financial supporting enterprise are up-visible, the generation and development of the financial product are tracked and tracked, and the financial industry is maintained; and the financial product on the chain is transferred, so that financial funds are more flexible, normal operation of the financial product is ensured, the rights and interests of investors are ensured, and the funds circulation and the development of financial industry are promoted.
Based on the first aspect, in some embodiments of the present invention, the identity verification module includes a first verification sub-module, a second verification sub-module, a third verification sub-module, a fourth verification sub-module, a fifth verification sub-module, and a sixth verification sub-module, wherein:
the first verification sub-module is used for acquiring identity information of legal representatives of the financial product issuer and verifying the identity of the legal representatives of the financial product issuer, and binding the identity information of the legal representatives of the property product issuer with addresses of the legal representatives of the property product issuer after the verification is successful;
the second verification sub-module is used for acquiring the business information of the financial product issuer and verifying the business qualification of the financial product issuer, and binding the business information of the financial product issuer with the address of legal representatives of the financial institutions after the verification is successful;
the third verification sub-module is used for acquiring the identity information of the legal representative of the monitoring mechanism and verifying the identity of the legal representative of the monitoring mechanism, and binding the identity information of the legal representative of the monitoring mechanism with the address of the legal representative of the monitoring mechanism after the verification is successful;
The fourth verification sub-module is used for acquiring the business information of the monitoring mechanism and verifying the business qualification of the monitoring mechanism, and binding the business information of the monitoring mechanism with the address of legal representatives of the financial institutions after the verification is successful;
a fifth verification sub-module, configured to obtain identity information of a legal representative of the invested third party, and verify the identity of the legal representative of the invested third party, and bind the identity information of the legal representative of the invested third party with an address of the legal representative of the invested third party after the verification is successful;
and the sixth verification sub-module is used for acquiring the information of the invested third party and verifying the qualification of the invested third party, and binding the information of the invested third party with the address of the legal representative of the financial institution after the verification is successful.
Based on the first aspect, in some embodiments of the invention, the above-described inspection module includes an inspection signature sub-module and a CID parameter sub-module, wherein:
the checking signature sub-module is used for acquiring checking information of the monitoring mechanism, digitally signing the checking information by adopting a private key in a key pair of the monitoring mechanism, and uploading financial product information in the checking information to the IPFS system;
And the CID parameter sub-module is used for acquiring the CID parameter sent by the IPFS system, digitally signing the CID parameter by adopting a private key in a key pair of a monitoring mechanism, and uploading the signed CID parameter to a blockchain for recording.
Based on the first aspect, in some embodiments of the present invention, the product viewing module includes a request acquisition sub-module and an information sending sub-module, wherein:
the request acquisition sub-module is used for acquiring a product viewing request of the financial product purchaser, and acquiring and transmitting CID parameters to the financial product purchaser according to the product viewing request;
and the information sending sub-module is used for inquiring and sending the corresponding financial product information in the block chain to the financial product purchaser according to the CID parameter.
Based on the first aspect, in some embodiments of the present invention, the above-mentioned inspection module includes an information acquisition sub-module and a qualification sub-module, wherein:
the information acquisition sub-module is used for acquiring and transmitting the examination information of the monitoring mechanism;
the qualification judging sub-module is used for judging whether the financial product is qualified according to the auditing qualification confirmation information in the auditing information, if so, the auditing information is digitally signed by adopting a private key in a key pair of an auditing mechanism, and the financial product information in the auditing information is sent to a block chain for selling the financial product; if not, generating and sending unqualified prompt information to the financial product issuer.
In a second aspect, an embodiment of the present invention provides a financial product sales method based on a blockchain, including the steps of:
acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises a financial product issuer, a monitoring mechanism, an invested third party and a financial product purchaser;
acquiring user information, verifying user identity seniority, binding the user information with a user address after verification is successful, digitally signing the user information by adopting a private key in a key pair of a user, and uploading the digitally signed user information to a block chain;
acquiring financial product conception information of a financial product issuer, digitally signing the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sending an authentication request to a supervision mechanism;
acquiring examination information of the monitoring mechanism, digitally signing the examination information by adopting a private key in a key pair of the monitoring mechanism, and transmitting financial product information in the examination information to a blockchain for selling the financial products;
acquiring financial product transaction information between an invested third party and a financial product issuer, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the information to a blockchain;
Acquiring a product viewing request of a financial product purchaser, and acquiring and transmitting financial product information in a block chain to the financial product purchaser according to the product viewing request;
and acquiring the product purchase information of the financial product purchaser, digitally signing the product purchase information by adopting a private key in a key pair of the financial product purchaser, and uploading the product purchase information to the blockchain.
When each user logs in for the first time, prompting the user to create an account number, acquiring initial login information of the user, creating a user account number, and creating a key pair and a user address for the user, wherein the user comprises a financial product issuer, a monitoring mechanism, an invested third party and a financial product purchaser; the key pair comprises a public key and a private key, a string of random characters input by a user is input as the private key before the key pair is stored, the private key is encrypted by combining a symmetric encryption algorithm AES, the encrypted private key is stored in a local browser of the user, 12 mnemonic words arranged in 2048 mnemonic dictionaries are randomly extracted and used for verifying the uniqueness of an account, and the private key and the public key are encrypted by asymmetric cryptography through the mnemonics; and simultaneously binding the mobile phone number of the user with the user address through the mobile phone number and the mobile phone verification code provided by the user, and creating a unique account for each user according to different users so as to store and record the information of the corresponding user in the corresponding user account. After the user account, the key pair and the user address are established, user information is acquired, user identity seniority is verified, the user information and the user address are bound after the user identity seniority is verified, a private key in the key pair of the user is adopted to digitally sign the user information, the digitally signed user information is uploaded to a blockchain, the user information comprises the user identity information and the business information, the user information is uploaded to the blockchain, the irrecoverability and the public transparency of the information are guaranteed, and the subsequent viewing is facilitated; after verification is completed, the financial product issuer puts forward a financial product conception, establishes a new block on a chain to record a product and binds and opens a new bank account, product examination data and the like, including but not limited to digital signature of files such as financial product files (product manager/product characteristics/product life cycle/investment direction/service contract and the like) mechanism qualification certificates and the like, submits the files to a monitoring mechanism for examination and authentication, acquires financial product conception information of the financial product issuer, digitally signs the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sends an authentication request to the monitoring mechanism; the legal representative or responsible person of the supervising mechanism has the right to examine and approve the product information submitted by the financial product issuer, and gives a pass or fail, the final result needs to be digital signature record time stamp, the product information is uploaded to the IPFS system, the IPFS system returns CID parameters, and the CID parameters are recorded on the block in parallel with the previous hash value; acquiring examination information of an inspection mechanism, digitally signing the examination information by adopting a private key in a key pair of the inspection mechanism, and transmitting financial product information in the examination information to a blockchain for selling the financial product, wherein the examination information comprises financial product information and pass or not information; only when the supervising agency examines the products which pass the digital signature, the financial product issuer has authority to sell the products in the system; after the approval is passed, the supervising mechanism has the right to supervise and check the product operation data of the product issuer, including the amount and effect of the investment third party mechanism, and has the supervising and speaking rights but no operation rights on the product. After the product is sold, the user purchases funds and concentrates the funds in the recorded bank account, the product manager performs investment distribution processing, each item must be digitally signed and confirmed by an investment third party and a financial product issuer to be stamped with a time stamp, and the money is conveniently tracked and recorded; acquiring financial product transaction information between an invested third party and a financial product issuer, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the information to a blockchain; after the financial product is sold, a user can check related financial product information in the blockchain, acquire a product check request of a financial product purchaser, acquire and send the financial product information in the blockchain to the financial product purchaser according to the product check request, and the client can check the checked product/product document, the transaction record (without displaying transaction amount) of a third party invested in the last month and a financial product issuer and the introduction information of the third party, the user digital signature is needed for purchasing the financial product, and the financial product purchaser can check the on-chain file and directly check the checked financial product information; after the financial product purchaser purchases the corresponding product, the product purchase information of the financial product purchaser is obtained, the product purchase information is digitally signed by a private key in a key pair of the financial product purchaser and uploaded to the blockchain, and after the financial product purchaser purchases the product, the hash value record of the purchased product can be checked on the blockchain to follow up whether the flow direction of funds reaches the appointed product account of the financial product purchaser company.
The method is developed from a financial product issuer to a certification authority or has the verification of a legal issuing mechanism, and is up-linked through the records of sellable and definitely to the issuing person or the mechanism, so that the third party who purchases/transfers the financial product and invests the financial processing is definitely informed to record in a block chain system, the characteristics of true/irreversible/traceable of the block chain technology are utilized, the public degree/credibility/flexibility of the financial industry is greatly improved, the standardization of the industry is improved, the people can more confident purchase the financial product, the possibility of generating the nonstandard financial product is reduced, the financial market can be standardized, all behavior records of the product sponsor or the enterprise and the supervising mechanism or the product support party are all up-to the personal and final financial manager, the financial product can be traced, and the financial development is in a way, and the financial industry is authorized to be traced and maintained; and the financial product on the chain is transferred, so that financial funds are more flexible, normal operation of the financial product is ensured, the rights and interests of investors are ensured, and the funds circulation and the development of financial industry are promoted.
Based on the second aspect, in some embodiments of the present invention, the method for obtaining user information, verifying user identity qualification, binding the user information with a user address after verification is successful, digitally signing the user information by using a private key in a key pair of a user, and uploading the digitally signed user information to a blockchain includes the following steps:
acquiring identity information of legal representatives of the financial product issuer, verifying the identity of the legal representatives of the financial product issuer, and binding the identity information of the legal representatives of the property product issuer with addresses of the legal representatives of the property product issuer after the verification is successful;
acquiring the business information of the financial product issuer, verifying the business qualification of the financial product issuer, and binding the business information of the financial product issuer with the address of legal representatives of the financial institutions after the verification is successful;
acquiring identity information of legal representatives of the monitoring mechanism, verifying the identity of the legal representatives of the monitoring mechanism, and binding the identity information of the legal representatives of the monitoring mechanism with addresses of the legal representatives of the monitoring mechanism after the verification is successful;
Acquiring the business information of the monitoring mechanism, verifying the business qualification of the monitoring mechanism, and binding the business information of the monitoring mechanism with the address of legal representatives of the financial mechanism after the verification is successful;
acquiring identity information of a legal representative of the invested third party, verifying the identity of the legal representative of the invested third party, and binding the identity information of the legal representative of the invested third party with the address of the legal representative of the invested third party after the verification is successful;
and acquiring the business information of the invested third party, verifying the business qualification of the invested third party, and binding the business information of the invested third party with the legal representative address of the financial institution after the verification is successful.
Based on the second aspect, in some embodiments of the present invention, the method for obtaining the audit information of the monitoring mechanism, digitally signing the audit information by using the private key in the key pair of the monitoring mechanism, and sending the financial product information in the audit information to the blockchain for selling the financial product includes the following steps:
obtaining the examination information of the monitoring mechanism, digitally signing the examination information by adopting a private key in a key pair of the monitoring mechanism, and uploading financial product information in the examination information to an IPFS system;
And acquiring the CID parameter sent by the IPFS, digitally signing the CID parameter by adopting a private key in a key pair of a monitoring mechanism, and uploading the signed CID parameter to a blockchain for recording.
Based on the second aspect, in some embodiments of the present invention, the method for acquiring the product viewing request of the financial product purchaser and acquiring and transmitting the financial product information in the blockchain to the financial product purchaser according to the product viewing request includes the following steps:
acquiring a product viewing request of the financial product purchaser, and acquiring and transmitting CID parameters to the financial product purchaser according to the product viewing request;
inquiring and transmitting corresponding financial product information in the block chain to a financial product purchaser according to the CID parameter.
Based on the second aspect, in some embodiments of the present invention, the method for obtaining the audit information of the monitoring mechanism, digitally signing the audit information by using the private key in the key pair of the monitoring mechanism, and sending the financial product information in the audit information to the blockchain for selling the financial product includes the following steps:
acquiring and transmitting inspection information of an inspection mechanism;
judging whether the financial product is qualified or not according to the checking qualification confirmation information in the checking information, if so, adopting a private key in a key pair of a monitoring mechanism to digitally sign the checking information, and sending the financial product information in the checking information to a block chain to sell the financial product; if not, generating and sending unqualified prompt information to the financial product issuer.
The embodiment of the invention has at least the following advantages or beneficial effects:
the embodiment of the invention provides a financial product sales system based on a block chain, which is characterized in that from research and development of a financial product issuer to verification of a legal issuing authority, the system is up-linked through records of sellable and definite to an issuing person or an authority, and the third party who purchases/transfers financial products and invests money processing by a user definitely confirms and records in the block chain system, and the characteristics of reality/irreversibility/traceability of the block chain technology are utilized, so that the payroll/credibility/flexibility of the financial industry is greatly improved, the standardization of the industry is improved, the possibility of producing nonstandard financial products is reduced, the financial market can be standardized, the product sponsor or the enterprise and the final money manager can be reached, all the behavior records of the sales person and the third party can be linked, the financial products can be checked and developed, and the financial industry can be traced to the surprise, and the financial industry can be traced; and the financial product on the chain is transferred, so that financial funds are more flexible, normal operation of the financial product is ensured, the rights and interests of investors are ensured, and the funds circulation and the development of financial industry are promoted.
The embodiment of the invention also provides a financial product selling method based on a block chain, which is developed from a financial product issuer to a certification authority or has a legal issuing authority to carry out uplink through records of sellable and definite to the issuing authority or the authority, and can clearly confirm and record third parties of financial product purchasing/transferring and financial product issuing authorities on capital processing investment in a block chain system, and the characteristics of real/irreversible/traceable of the block chain technology are utilized, so that the publicity/credibility/flexibility of the financial industry is greatly improved, the standardization of the industry is improved, the possibility of more reliable purchasing of financial products by people is reduced, the financial market can be standardized, the product sponsor or the enterprise and the supervising authority or the product supporting party can be standardized, the financial product sponsor and the final manager can be reached, all behavior record chains of sales personnel and third party can be checked, the financial product can be born to develop and the financial industry can be traced to the common people, and the financial industry can be traced to the common people; and the financial product on the chain is transferred, so that financial funds are more flexible, normal operation of the financial product is ensured, the rights and interests of investors are ensured, and the funds circulation and the development of financial industry are promoted.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic block diagram of a financial product sales system based on a blockchain in accordance with an embodiment of the present invention;
FIG. 2 is a flowchart of a financial product sales method based on a blockchain in accordance with an embodiment of the present invention.
Icon: 100. an account creation module; 200. an identity verification module; 210. a first verification sub-module; 220. a second verification sub-module; 230. a third verification sub-module; 240. a fourth verification sub-module; 250. a fifth verification sub-module; 260. a sixth verification sub-module; 300. a vending conception module; 400. an inspection module; 410. a signature checking sub-module; 420. CID parameter sub-module; 430. an information acquisition sub-module; 440. a qualification judging sub-module; 500. a transaction module; 600. a product viewing module; 610. requesting to acquire a sub-module; 620. an information transmitting sub-module; 700. and a product purchase module.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments of the present invention. The components of the embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further definition or explanation thereof is necessary in the following figures.
It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
Examples
As shown in fig. 1, in a first aspect, an embodiment of the present invention provides a financial product sales system based on a blockchain, including an account creation module 100, an authentication module 200, a sales concept module 300, an inspection module 400, a transaction module 500, a product viewing module 600, and a product purchase module 700, wherein:
the account creation module 100 is configured to obtain initial login information of a user, create a user account, and create a key pair and a user address for the user, where the user includes a financial product issuer, a monitoring institution, an invested third party, and a financial product buyer;
the identity verification module 200 is used for acquiring user information, verifying user identity qualification, binding the user information with a user address after successful verification, digitally signing the user information by adopting a private key in a key pair of a user, and uploading the digitally signed user information to a blockchain;
the sales conception module 300 is configured to obtain financial product conception information of a financial product issuer, digitally sign the financial product conception information by using a private key in a key pair of the financial product issuer, and send an authentication request to a supervising mechanism;
The auditing module 400 is used for acquiring auditing information of the auditing mechanism, digitally signing the auditing information by adopting a private key in a key pair of the auditing mechanism, and sending financial product information in the auditing information to a blockchain for selling the financial product;
the transaction module 500 is configured to obtain financial product transaction information between the invested third party and the financial product issuer, digitally sign the financial product transaction information by using a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and upload the digital signature to the blockchain;
the product viewing module 600 is configured to obtain a product viewing request of the financial product purchaser, and obtain and send financial product information in the blockchain to the financial product purchaser according to the product viewing request;
the product purchase module 700 is configured to obtain product purchase information of the financial product purchaser, digitally sign the product purchase information by using a private key of the key pair of the financial product purchaser, and upload the product purchase information to the blockchain.
When each user logs in the system for the first time, the system prompts the user to create an account, acquires initial login information of the user through the account creation module 100, creates the user account, creates a key pair and a user address for the user, wherein the user comprises a financial product issuer, a supervising mechanism, an invested third party and a financial product purchaser; the key pair comprises a public key and a private key, a string of random characters input by a user is input as the private key before the key pair is stored, the private key is encrypted by combining a symmetric encryption algorithm AES, the encrypted private key is stored in a local browser of the user, 12 mnemonic words arranged in 2048 mnemonic dictionaries are randomly extracted and used for verifying the uniqueness of an account, and the private key and the public key are encrypted by asymmetric cryptography through the mnemonics; and simultaneously binding the mobile phone number of the user with the user address through the mobile phone number and the mobile phone verification code provided by the user, and creating a unique account for each user according to different users so as to store and record the information of the corresponding user in the corresponding user account. After the user account, the key pair and the user address are established, user information is acquired through the identity verification module 200, user identity seniority is verified, the user information and the user address are bound after verification is successful, a private key in the key pair of the user is adopted to digitally sign the user information, the digitally signed user information is uploaded to a blockchain, the user information comprises the user identity information and the business information, the user information is uploaded to the blockchain, the irrecoverability and the public transparency of the information are ensured, and the subsequent viewing is facilitated; after verification is completed, the financial product issuer puts forward a financial product conception, establishes a new block on a chain to record a product and binds and opens a new bank account number, product examination data and the like, including but not limited to digital signature of files such as financial product files (product manager/product characteristics/product life cycle/investment direction/service contract and the like) organization qualification certificates and the like, submits the files to a monitoring organization for examination and authentication, acquires financial product conception information of the financial product issuer through an selling conception module 300, digitally signs the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sends an authentication request to the monitoring organization; the legal representative or responsible person of the supervising mechanism has the right to examine and approve the product information submitted by the financial product issuer, and gives a pass or fail, the final result needs to be digital signature record time stamp, the product information is uploaded to the IPFS system, the IPFS system returns CID parameters, and the CID parameters are recorded on the block in parallel with the previous hash value; obtaining inspection information of an inspection mechanism through an inspection module 400, digitally signing the inspection information by adopting a private key in a key pair of the inspection mechanism, and sending financial product information in the inspection information to a blockchain for selling the financial product, wherein the inspection information comprises financial product information and pass or not information; only when the supervising agency examines the products which pass the digital signature, the financial product issuer has authority to sell the products in the system; after the approval is passed, the supervising mechanism has the right to supervise and check the product operation data of the product issuer, including the amount and effect of the investment third party mechanism, and has the supervising and speaking rights but no operation rights on the product. After the product is sold, the user purchases funds and concentrates the funds in the recorded bank account, the product manager performs investment distribution processing, each item must be digitally signed and confirmed by an investment third party and a financial product issuer to be stamped with a time stamp, and the money is conveniently tracked and recorded; acquiring financial product transaction information between an invested third party and a financial product issuer through a transaction module 500, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the digital signature to a blockchain; after the financial product is sold, a user can check related financial product information in the blockchain, acquire a product check request of a financial product purchaser through the product check module 600, acquire and send the financial product information in the blockchain to the financial product purchaser according to the product check request, and the client can check the checked product/product document, the transaction record (without displaying transaction amount) of a third party invested in the last month with a financial product issuer and the introduction information of the third party, the user digital signature is needed for purchasing the financial product, and the financial product purchaser can check the on-chain file and directly check the checked financial product information; after the financial product purchaser purchases the corresponding product, the product purchase information of the financial product purchaser is obtained through the product purchase module 700, the product purchase information is digitally signed by a private key in a key pair of the financial product purchaser and uploaded to the blockchain, and after the financial product purchaser purchases the product, the hash value record of the purchased product can be checked on the blockchain to follow up whether the flow direction of funds reaches the appointed product account of the financial product purchaser company.
The system is developed from a financial product issuer to a certification authority or has the verification of a legal issuing mechanism, and is up-linked through the records of a saleable and clear-check issuer or mechanism, so that the third party who purchases/transfers the financial product and invests the financial processing is clear and right in a block chain system, the characteristics of true/irreversible/traceable of the block chain technology are utilized, the public degree/credibility/flexibility of the financial industry is greatly improved, the standardization of the industry is improved, the people can more confident purchase the financial product, the possibility of generating the nonstandard financial product is reduced, the financial market can be standardized, the product sponsor or enterprise and the supervising mechanism or product support party are standardized, all the behavior records of the sales person and the third party financial supporting enterprise are up-visible, the generation and development of the financial product are tracked and tracked, and the financial industry is maintained; and the financial product on the chain is transferred, so that financial funds are more flexible, normal operation of the financial product is ensured, the rights and interests of investors are ensured, and the funds circulation and the development of financial industry are promoted.
Based on the first aspect, as shown in fig. 1, in some embodiments of the present invention, the identity verification module 200 includes a first verification sub-module 210, a second verification sub-module 220, a third verification sub-module 230, a fourth verification sub-module 240, a fifth verification sub-module 250, and a sixth verification sub-module 260, wherein:
a first verification sub-module 210, configured to obtain identity information of a legal representative of the financial product issuer, verify the identity of the legal representative of the financial product issuer, and bind the identity information of the legal representative of the property product issuer with an address of the legal representative of the property product issuer after the verification is successful;
the second verification sub-module 220 is configured to obtain the business information of the financial product issuer and verify the business qualification of the financial product issuer, and bind the business information of the financial product issuer with the address of the legal representative of the financial institution after the verification is successful;
a third verification sub-module 230, configured to obtain identity information of a legal representative of the monitoring mechanism and verify the identity of the legal representative of the monitoring mechanism, and bind the identity information of the legal representative of the monitoring mechanism with an address of the legal representative of the monitoring mechanism after the verification is successful;
A fourth verification sub-module 240, configured to obtain the business information of the monitoring institution and verify the business qualification of the monitoring institution, and bind the business information of the monitoring institution with the address of the legal representative of the financial institution after the verification is successful;
a fifth verification sub-module 250, configured to obtain identity information of a legal representative of the invested third party, verify the identity of the legal representative of the invested third party, and bind the identity information of the legal representative of the invested third party with an address of the legal representative of the invested third party after the verification is successful;
and a sixth verification sub-module 260, configured to obtain the information of the invested third party and verify the qualification of the invested third party, and bind the information of the invested third party with the address of the legal representative of the financial institution after the verification is successful.
In order to ensure the authenticity of the identities of the personnel of all parties involved in the sales of the financial products, a trust mechanism is established, and identity verification is required to be carried out on the issuing party, the supervising agency and legal representatives of all institutions of the invested third party, and the identity information and the business information are bound with the addresses of the legal representatives after the successful verification, so that the identity right uniqueness of the information is ensured.
Based on the first aspect, as shown in fig. 1, in some embodiments of the invention, the above-described censoring module 400 includes a censoring signature sub-module 410 and a CID parameter sub-module 420, wherein:
the checking signature sub-module 410 is configured to obtain checking information of the monitoring mechanism, digitally sign the checking information by using a private key in a key pair of the monitoring mechanism, and upload financial product information in the checking information to the IPFS system;
the CID parameter submodule 420 is configured to obtain a CID parameter sent by the IPFS system, digitally sign the CID parameter with a private key in a key pair of the monitoring mechanism, and upload the signed CID parameter to the blockchain for recording.
The monitoring organization legal representative or responsible person has the right to examine the product information submitted by the financial product issuer, and gives a pass or fail, the final result needs to be digital signature record timestamp, the monitoring organization examination information is obtained through the examination signature sub-module 410, the private key in the key pair of the monitoring organization is adopted to carry out digital signature on the examination information, the product information is uploaded to the IPFS system, the system returns CID parameters, the CID parameters sent by the IPFS system are obtained through the CID parameter sub-module 420, and the CID parameters are recorded on the block in parallel with the hash value in front.
Based on the first aspect, as shown in fig. 1, in some embodiments of the present invention, the product viewing module 600 includes a request acquisition sub-module 610 and an information sending sub-module 620, where:
the request obtaining sub-module 610 is configured to obtain a product viewing request of the financial product purchaser, and obtain and send CID parameters to the financial product purchaser according to the product viewing request;
the information sending sub-module 620 is configured to query and send the corresponding financial product information in the blockchain to the financial product buyer according to the CID parameter.
The financial product purchasing party can check the checked product/product document, the third party transaction record (without displaying transaction amount) and the third party introduction information of the last month issuer investment, a digital signature is needed for purchasing the financial product, when the financial product purchasing party has a purchasing requirement, a product checking request is sent, the product checking request of the financial product purchasing party is acquired through the request acquisition sub-module 610, the CID parameter is acquired and sent to the financial product purchasing party according to the product checking request, the on-chain file in the IPFS system can be checked through the CID, the corresponding financial product information in the block chain is queried and sent to the financial product purchasing party through the information sending sub-module 620, and the checked financial product information is directly checked by the financial product purchasing party.
Based on the first aspect, as shown in fig. 1, in some embodiments of the present invention, the inspection module 400 includes an information acquisition sub-module 430 and a qualification sub-module 440, where:
an information obtaining sub-module 430, configured to obtain and send inspection information of the inspection mechanism;
the qualification judging sub-module 440 is configured to judge whether the financial product is qualified according to the audit qualification confirmation information in the audit information, if so, digitally sign the audit information by using a private key in a key pair of the audit mechanism, and send the financial product information in the audit information to the blockchain for selling the financial product; if not, generating and sending unqualified prompt information to the financial product issuer.
After the information acquisition sub-module 430 acquires the censoring information, the qualification judging sub-module 440 judges whether the censoring is passed or not, if the censoring is failed, the censoring is rejected, the issuer carries out processing such as modification, and the issuer does not have the right to sell the financial product.
As shown in fig. 2, in a second aspect, an embodiment of the present invention provides a financial product selling method based on a blockchain, including the following steps:
s1, acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises a financial product issuer, a supervising mechanism, an invested third party and a financial product purchaser; and when each user logs in for the first time, prompting the user to create an account.
S2, acquiring user information, verifying user identity qualification, binding the user information with a user address after verification success, digitally signing the user information by adopting a private key in a key pair of a user, and uploading the digitally signed user information into a blockchain; the user information comprises user identity information and business information, and is uploaded to the blockchain, so that the information cannot be modified and the transparency is disclosed, and the follow-up check is facilitated.
S3, acquiring financial product conception information of a financial product issuer, digitally signing the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sending an authentication request to a supervision mechanism; after verification is completed, the financial product issuer puts forward a financial product conception, establishes a new block record product on the chain, binds and opens a new bank account number, product examination data and the like, and performs digital signature on files such as financial product files (product manager/product characteristics/product life cycle/investment direction/service contract and the like) organization qualification certificates and the like, and submits the files to a supervision organization for examination and authentication.
S4, acquiring examination information of the monitoring mechanism, digitally signing the examination information by adopting a private key in a key pair of the monitoring mechanism, and transmitting financial product information in the examination information to a blockchain for selling the financial product; the legal representative or responsible person of the supervising mechanism has the right to examine and approve the product information submitted by the financial product issuer, and give pass or fail, and the final result needs to be digitally signed and recorded with a time stamp, and the examination information comprises financial product information and pass or fail information; only when the auditing agency reviews the digitally signed product, the financial product issuer has access to the product for sale in the system. After the approval is passed, the supervising mechanism has the right to supervise and check the product operation data of the product issuer, including the amount and effect of the investment third party mechanism, and has the supervising and speaking rights but no operation rights on the product.
S5, acquiring financial product transaction information between the invested third party and the financial product issuer, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the digital signature to a blockchain; after the product is sold, the user purchases funds and concentrates the funds in the recorded bank account, the product manager performs investment distribution processing, and each product must be digitally signed and confirmed by an investment third party and a financial product issuer to be stamped with a time stamp, so that the funds can be conveniently tracked and recorded.
S6, acquiring a product viewing request of the financial product purchaser, and acquiring and transmitting financial product information in the blockchain to the financial product purchaser according to the product viewing request; after the financial product is sold, a user can check related financial product information in a blockchain, a client (financial product purchaser) can check the checked product/product document, a transaction record (not displaying transaction amount) of a third party invested in the last month and a financial product issuer and introduction information of the third party, the user digital signature is needed for purchasing the financial product, the financial product purchaser can check the on-chain file, and the checked financial product information is directly checked.
And S7, acquiring the product purchase information of the financial product purchaser, digitally signing the product purchase information by adopting a private key in a key pair of the financial product purchaser, and uploading the product purchase information to the blockchain. After the financial product purchaser purchases the product, the hash value record of the purchased product can be checked on the blockchain to follow up whether the flow direction of funds reaches the appointed product account number of the financial product purchaser company.
The method is developed from a financial product issuer to a certification authority or has the verification of a legal issuing mechanism, and is up-linked through the records of sellable and definitely to the issuing person or the mechanism, so that the third party who purchases/transfers the financial product and invests the financial processing is definitely informed to record in a block chain system, the characteristics of true/irreversible/traceable of the block chain technology are utilized, the public degree/credibility/flexibility of the financial industry is greatly improved, the standardization of the industry is improved, the people can more confident purchase the financial product, the possibility of generating the nonstandard financial product is reduced, the financial market can be standardized, all behavior records of the product sponsor or the enterprise and the supervising mechanism or the product support party are all up-to the personal and final financial manager, the financial product can be traced, and the financial development is in a way, and the financial industry is authorized to be traced and maintained; and the financial product on the chain is transferred, so that financial funds are more flexible, normal operation of the financial product is ensured, the rights and interests of investors are ensured, and the funds circulation and the development of financial industry are promoted.
Based on the second aspect, in some embodiments of the present invention, the method for obtaining user information, verifying user identity qualification, binding the user information with a user address after verification is successful, digitally signing the user information by using a private key in a key pair of a user, and uploading the digitally signed user information to a blockchain includes the following steps:
acquiring identity information of legal representatives of the financial product issuer, verifying the identity of the legal representatives of the financial product issuer, and binding the identity information of the legal representatives of the property product issuer with addresses of the legal representatives of the property product issuer after the verification is successful;
acquiring the business information of the financial product issuer, verifying the business qualification of the financial product issuer, and binding the business information of the financial product issuer with the address of legal representatives of the financial institutions after the verification is successful;
acquiring identity information of legal representatives of the monitoring mechanism, verifying the identity of the legal representatives of the monitoring mechanism, and binding the identity information of the legal representatives of the monitoring mechanism with addresses of the legal representatives of the monitoring mechanism after the verification is successful;
Acquiring the business information of the monitoring mechanism, verifying the business qualification of the monitoring mechanism, and binding the business information of the monitoring mechanism with the address of legal representatives of the financial mechanism after the verification is successful;
acquiring identity information of a legal representative of the invested third party, verifying the identity of the legal representative of the invested third party, and binding the identity information of the legal representative of the invested third party with the address of the legal representative of the invested third party after the verification is successful;
and acquiring the business information of the invested third party, verifying the business qualification of the invested third party, and binding the business information of the invested third party with the legal representative address of the financial institution after the verification is successful.
Verifying the financial product issuer, wherein legal representatives of the financial product issuer provide own names and identity card numbers, the identity information of the legal representatives of the financial product issuer performs real-name verification, the real name uses an official authentication API, the system uses the provided API to verify names and identity card numbers, and if successful, the names and the identity card numbers are bound with addresses of the legal representatives; the system uses the provided API to obtain the company or organization information owned by the legal representative, then compares the company information provided by legal representative or organization legal responsible person, if successful, the system binds the business information with legal representative or organization legal responsible person address, and opens the authority of the product sponsor, the product issue needs the license and supervision agency or legal right supervision agency to authenticate and then can be formally sold.
The monitoring organization legal representative or responsible person opens an account number, performs real name verification to provide own name and identity card number, the real name uses an official authentication API, the system uses the provided API to verify the name and the identity card number, and if successful, the system binds the name and the identity card number with the legal representative or responsible person address; information such as the legal representative's own company name, company registration number, and unified social credit code is then obtained. The system uses the provided API to acquire the company information owned by the legal representative or responsible person, then compares the company information with the company information provided by the legal representative or responsible person, and if successful, the system binds the company information with the legal representative or responsible person address.
If assets such as debt stock and the like need to be purchased and sold by binding account numbers by a system, and each transaction record or invoice package is in a block, a digital signature/timestamp and a hash value of a product manager are required to be linked; if the invested third party is an organization or a company, the invested third party or the company needs to set up a system account and conduct digital signature confirmation. The process of setting up accounts by the third party company organization is as follows: the invested third party company body legal representative or responsible person opens account number and performs real name verification to provide own name and ID card number, the real name uses the official authentication API, the system uses the provided API to verify name and ID card number, if successful, the system binds the name and ID card number with legal representative or responsible person address. And then acquiring the business information such as own company name, company registration number, unified social credit code and the like provided by legal representatives or responsible persons. The system uses the provided API to obtain the company information owned by the legal representative or responsible person, then compares the company information with the company information provided by the legal representative or responsible person, and if successful, the system binds the company information with the legal representative or responsible person address. After the account is successfully opened, each transaction of the invested third party and the financial product issuer is confirmed by the digital signature of legal representatives or responsible persons of the two parties, and the digital signature is time-stamped and hashed.
Based on the second aspect, in some embodiments of the present invention, the method for obtaining the audit information of the monitoring mechanism, digitally signing the audit information by using the private key in the key pair of the monitoring mechanism, and sending the financial product information in the audit information to the blockchain for selling the financial product includes the following steps:
obtaining the examination information of the monitoring mechanism, digitally signing the examination information by adopting a private key in a key pair of the monitoring mechanism, and uploading financial product information in the examination information to an IPFS system;
and acquiring the CID parameter sent by the IPFS, digitally signing the CID parameter by adopting a private key in a key pair of a monitoring mechanism, and uploading the signed CID parameter to a blockchain for recording.
The monitoring organization legal representative or responsible person has the right to examine and approve the product information submitted by the financial product issuer, gives pass or fail, the final result needs to be digital signature to record a time stamp, uploads the product information to the IPFS system, and the system returns CID parameters which are recorded on the block in parallel with the previous hash value.
Based on the second aspect, in some embodiments of the present invention, the method for acquiring the product viewing request of the financial product purchaser and acquiring and transmitting the financial product information in the blockchain to the financial product purchaser according to the product viewing request includes the following steps:
Acquiring a product viewing request of the financial product purchaser, and acquiring and transmitting CID parameters to the financial product purchaser according to the product viewing request;
inquiring and transmitting corresponding financial product information in the block chain to a financial product purchaser according to the CID parameter.
The financial product purchasing party can check the checked product/product document, the third party transaction record (without displaying transaction amount) and the third party introduction information of the last month issuer investment, the financial product is purchased by a user digital signature, when the financial product purchasing party has a purchasing requirement, a product checking request is sent, CID parameters are acquired and sent to the financial product purchasing party according to the product checking request, the on-chain file in the IPFS system can be checked through CID, and the checked financial product information can be checked directly.
Based on the second aspect, in some embodiments of the present invention, the method for obtaining the audit information of the monitoring mechanism, digitally signing the audit information by using the private key in the key pair of the monitoring mechanism, and sending the financial product information in the audit information to the blockchain for selling the financial product includes the following steps:
acquiring and transmitting inspection information of an inspection mechanism;
Judging whether the financial product is qualified or not according to the checking qualification confirmation information in the checking information, if so, adopting a private key in a key pair of a monitoring mechanism to digitally sign the checking information, and sending the financial product information in the checking information to a block chain to sell the financial product; if not, generating and sending unqualified prompt information to the financial product issuer.
After the examination information is obtained, whether the examination is passed or not is judged, if the examination is not passed, the examination is rejected, the issuer carries out processing such as modification, and the issuer does not have the right to sell the financial product.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
It will be evident to those skilled in the art that the present application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.

Claims (8)

1. The financial product sales system based on the blockchain is characterized by comprising an account creation module, an identity verification module, a selling conception module, a checking module, a transaction module, a product checking module and a product purchasing module, wherein:
the account creation module is used for acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises a financial product issuer, a supervising mechanism, an invested third party and a financial product purchaser;
the identity verification module is used for acquiring user information, verifying user identity qualification, binding the user information with a user address after the user identity qualification is verified, digitally signing the user information by adopting a private key in a key pair of a user, and uploading the digitally signed user information to the block chain; the identity verification module comprises a first verification sub-module, a second verification sub-module, a third verification sub-module, a fourth verification sub-module, a fifth verification sub-module and a sixth verification sub-module, wherein: the first verification sub-module is used for acquiring identity information of legal representatives of the financial product issuer and verifying the identity of the legal representatives of the financial product issuer, and binding the identity information of the legal representatives of the property product issuer with addresses of the legal representatives of the property product issuer after the verification is successful; the second verification sub-module is used for acquiring the business information of the financial product issuer and verifying the business qualification of the financial product issuer, and binding the business information of the financial product issuer with the address of legal representatives of the financial institutions after the verification is successful; the third verification sub-module is used for acquiring the identity information of the legal representative of the monitoring mechanism and verifying the identity of the legal representative of the monitoring mechanism, and binding the identity information of the legal representative of the monitoring mechanism with the address of the legal representative of the monitoring mechanism after the verification is successful; the fourth verification sub-module is used for acquiring the business information of the monitoring mechanism and verifying the business qualification of the monitoring mechanism, and binding the business information of the monitoring mechanism with the address of legal representatives of the financial institutions after the verification is successful; a fifth verification sub-module, configured to obtain identity information of a legal representative of the invested third party, and verify the identity of the legal representative of the invested third party, and bind the identity information of the legal representative of the invested third party with an address of the legal representative of the invested third party after the verification is successful; a sixth verification sub-module, configured to obtain the information of the invested third party and verify the qualification of the invested third party, and bind the information of the invested third party with the address of the legal representative of the financial institution after the verification is successful;
The sales conception module is used for acquiring financial product conception information of the financial product issuer, digitally signing the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sending an authentication request to the monitoring mechanism;
the system comprises an inspection module, a block chain and a management module, wherein the inspection module is used for acquiring inspection information of an inspection mechanism, carrying out digital signature on the inspection information by adopting a private key in a key pair of the inspection mechanism, and sending financial product information in the inspection information to the block chain for selling the financial product;
the transaction module is used for acquiring financial product transaction information between the invested third party and the financial product issuer, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the digital signature to the blockchain;
the product checking module is used for acquiring a product checking request of the financial product purchaser, acquiring and transmitting financial product information in the block chain to the financial product purchaser according to the product checking request;
and the product purchase module is used for acquiring the product purchase information of the financial product purchaser, digitally signing the product purchase information by adopting a private key in the key pair of the financial product purchaser and uploading the product purchase information to the blockchain.
2. The blockchain-based financial product sales system of claim 1, wherein the auditing module includes an auditing signature sub-module and a CID parameter sub-module, wherein:
the checking signature sub-module is used for acquiring checking information of the monitoring mechanism, digitally signing the checking information by adopting a private key in a key pair of the monitoring mechanism, and uploading financial product information in the checking information to the IPFS system;
and the CID parameter sub-module is used for acquiring the CID parameter sent by the IPFS system, digitally signing the CID parameter by adopting a private key in a key pair of a monitoring mechanism, and uploading the signed CID parameter to a blockchain for recording.
3. The blockchain-based financial product sales system of claim 2, wherein the product viewing module includes a request acquisition sub-module and an information transmission sub-module, wherein:
the request acquisition sub-module is used for acquiring a product viewing request of the financial product purchaser, and acquiring and transmitting CID parameters to the financial product purchaser according to the product viewing request;
and the information sending sub-module is used for inquiring and sending the corresponding financial product information in the block chain to the financial product purchaser according to the CID parameter.
4. The blockchain-based financial product sales system of claim 1, wherein the auditing module includes an information acquisition sub-module and a qualification sub-module, wherein:
the information acquisition sub-module is used for acquiring and transmitting the examination information of the monitoring mechanism;
the qualification judging sub-module is used for judging whether the financial product is qualified according to the auditing qualification confirmation information in the auditing information, if so, the auditing information is digitally signed by adopting a private key in a key pair of an auditing mechanism, and the financial product information in the auditing information is sent to a block chain for selling the financial product; if not, generating and sending unqualified prompt information to the financial product issuer.
5. The financial product selling method based on the block chain is characterized by comprising the following steps of:
acquiring initial login information of a user, creating a user account, and creating a key pair and a user address for the user, wherein the user comprises a financial product issuer, a monitoring mechanism, an invested third party and a financial product purchaser;
acquiring user information, verifying user identity seniority, binding the user information with a user address after verification is successful, digitally signing the user information by adopting a private key in a key pair of a user, and uploading the digitally signed user information to a block chain; comprising the following steps: acquiring identity information of legal representatives of the financial product issuer, verifying the identity of the legal representatives of the financial product issuer, and binding the identity information of the legal representatives of the property product issuer with addresses of the legal representatives of the property product issuer after the verification is successful; acquiring the business information of the financial product issuer, verifying the business qualification of the financial product issuer, and binding the business information of the financial product issuer with the address of legal representatives of the financial institutions after the verification is successful; acquiring identity information of legal representatives of the monitoring mechanism, verifying the identity of the legal representatives of the monitoring mechanism, and binding the identity information of the legal representatives of the monitoring mechanism with addresses of the legal representatives of the monitoring mechanism after the verification is successful; acquiring the business information of the monitoring mechanism, verifying the business qualification of the monitoring mechanism, and binding the business information of the monitoring mechanism with the address of legal representatives of the financial mechanism after the verification is successful; acquiring identity information of a legal representative of the invested third party, verifying the identity of the legal representative of the invested third party, and binding the identity information of the legal representative of the invested third party with the address of the legal representative of the invested third party after the verification is successful; acquiring the business information of the invested third party, verifying the business qualification of the invested third party, and binding the business information of the invested third party with the legal representative address of the financial institution after the verification is successful;
Acquiring financial product conception information of a financial product issuer, digitally signing the financial product conception information by adopting a private key in a key pair of the financial product issuer, and sending an authentication request to a supervision mechanism;
acquiring examination information of the monitoring mechanism, digitally signing the examination information by adopting a private key in a key pair of the monitoring mechanism, and transmitting financial product information in the examination information to a blockchain for selling the financial products;
acquiring financial product transaction information between an invested third party and a financial product issuer, digitally signing the financial product transaction information by adopting a private key in a key pair of the invested third party and a private key in a key pair of the financial product issuer, and uploading the information to a blockchain;
acquiring a product viewing request of a financial product purchaser, and acquiring and transmitting financial product information in a block chain to the financial product purchaser according to the product viewing request;
and acquiring the product purchase information of the financial product purchaser, digitally signing the product purchase information by adopting a private key in a key pair of the financial product purchaser, and uploading the product purchase information to the blockchain.
6. The method for selling financial products based on blockchain as in claim 5, wherein the method for obtaining the audit information of the audit mechanism, digitally signing the audit information by using the private key of the key pair of the audit mechanism, and transmitting the financial product information in the audit information to the blockchain for selling the financial products comprises the following steps:
Obtaining the examination information of the monitoring mechanism, digitally signing the examination information by adopting a private key in a key pair of the monitoring mechanism, and uploading financial product information in the examination information to an IPFS system;
and acquiring the CID parameter sent by the IPFS, digitally signing the CID parameter by adopting a private key in a key pair of a monitoring mechanism, and uploading the signed CID parameter to a blockchain for recording.
7. The method for selling financial products based on blockchain as in claim 6, wherein the method for acquiring the product viewing request of the financial product purchaser and acquiring and transmitting the information of the financial product in the blockchain to the financial product purchaser according to the product viewing request comprises the steps of:
acquiring a product viewing request of the financial product purchaser, and acquiring and transmitting CID parameters to the financial product purchaser according to the product viewing request;
inquiring and transmitting corresponding financial product information in the block chain to a financial product purchaser according to the CID parameter.
8. The method for selling financial products based on blockchain as in claim 5, wherein the method for obtaining the audit information of the audit mechanism, digitally signing the audit information by using the private key of the key pair of the audit mechanism, and transmitting the financial product information in the audit information to the blockchain for selling the financial products comprises the following steps:
Acquiring and transmitting inspection information of an inspection mechanism;
judging whether the financial product is qualified or not according to the checking qualification confirmation information in the checking information, if so, adopting a private key in a key pair of a monitoring mechanism to digitally sign the checking information, and sending the financial product information in the checking information to a block chain to sell the financial product; if not, generating and sending unqualified prompt information to the financial product issuer.
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