CN113034275A

CN113034275A - Management system and method based on block chain network and terminal equipment

Info

Publication number: CN113034275A
Application number: CN202010879492.1A
Authority: CN
Inventors: 肖冰; 李孔雯; 肖亚红; 李政道; 国星; 国世平
Original assignee: Shenzhen University
Current assignee: Shenzhen University
Priority date: 2020-08-27
Filing date: 2020-08-27
Publication date: 2021-06-25
Anticipated expiration: 2040-08-27
Also published as: CN113034275B

Abstract

The application is applicable to the technical field of block chains, and provides a management system, a method and terminal equipment based on a block chain network, wherein the system comprises: the system comprises a plurality of processing nodes and a plurality of client nodes, wherein the nodes are in pairwise communication connection; the client node sends the received instruction and the user data to a processing node and uploads the instruction and the user data to a block chain network; when a transaction request is received, evaluating the transaction according to the transaction request and the processed user data, and uploading the transaction request to a block chain network if the evaluation is passed; when a subscription request is received, judging whether the subscription request is matched with a transaction request, if so, judging that the transaction is successful, and uploading transaction information to the block chain network; and the processing node processes the user data and the instruction, feeds back a processing result to the client node, and uploads the processing result and the processed user data to the block chain network. The complexity of the data is reduced, the authenticity of the data is improved, the safety of capital is ensured, and the capital clearing efficiency is improved.

Description

Management system and method based on block chain network and terminal equipment

Technical Field

The present application relates to the field of blockchain technologies, and in particular, to a management system, a method, a terminal device, and a readable storage medium based on a blockchain network.

Background

In actual life, when a consumption finance company has the requirements of financing, trading and the like, financing and trading applications are usually completed through an asset securitization financing mode, so that financing sources are widened and liquidity is improved.

However, in the traditional asset securitization mode, various problems that the bottom asset truth of trading parties cannot be guaranteed, information among all the participating parties is asymmetric, data transfer efficiency is low, fund clearing and account checking among trading systems are complex and the like are easily caused, and fund safety cannot be guaranteed.

Disclosure of Invention

The embodiment of the application provides a management system, a management method, a terminal device and a readable storage medium based on a block chain network, which can solve the problems that the truth of bottom-layer assets of trading parties cannot be guaranteed, information among all participants is asymmetric, data transfer efficiency is low, fund clearing and reconciliation among trading systems are complex and the like, and the safety of funds cannot be guaranteed, which are caused by a traditional asset securitization mode.

In a first aspect, an embodiment of the present application provides a management system based on a blockchain network, including:

the system comprises more than two processing nodes and more than two client nodes, wherein the nodes are in pairwise communication connection;

the client node is used for sending an instruction and user data to the processing node when receiving the instruction and the user data, and uploading the instruction to a block chain network;

the processing node is used for processing the user data when receiving the user data and uploading the processed user data to the block chain network; when the instruction is received, processing the instruction, feeding back a processing result to the client node, and uploading the processing result to the block chain network;

the client node is also used for evaluating the transaction according to the transaction request and the processed user data when receiving the transaction request, and uploading the transaction request to the block chain network if the transaction evaluation is passed; obtaining an analysis result related to the transaction request, and uploading the analysis result to the blockchain network; when a subscription request is received, whether the transaction request is matched with the subscription request is judged, when the transaction request is matched with the subscription request, the transaction is judged to be successful, and the information of the transaction is uploaded to the block chain network.

In a second aspect, an embodiment of the present application provides a management method based on a blockchain network, including:

when an instruction is received, uploading the instruction to a block chain network;

processing user data when the user data is received, and uploading the processed user data to the block chain network;

processing the instruction, and uploading a processing result to the block chain network;

when a transaction request is received, evaluating the transaction according to the transaction request and the processed user data, and if the transaction evaluation is passed, uploading the transaction request to the block chain network;

obtaining an analysis result related to the transaction request, uploading the analysis result to the block chain network, and judging whether the transaction request is matched with a subscription request when the subscription request is received;

and when the transaction request is matched with the subscription request, judging that the transaction is successful, and uploading the information of the transaction to the blockchain network.

In a third aspect, an embodiment of the present application provides a terminal device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the management method based on the block chain technology as described in the second aspect is implemented.

In a fourth aspect, the present application provides a computer-readable storage medium, where a computer program is stored, and when executed by a processor, the computer program implements the management method based on the blockchain technique according to the second aspect.

In a fifth aspect, the present application provides a computer program product, which when running on a terminal device, causes the terminal device to execute the management method based on the blockchain technique according to the second aspect.

According to the embodiment of the application, the user data is analyzed and processed through the user data corresponding to each client in real time, the processed data is uploaded to the blockchain network, the complexity of the data is reduced, data can be prevented from being tampered, the authenticity of the data and the information equivalence of multiple participants are improved, meanwhile, the transaction is achieved through the blockchain network, the transaction party is enabled to determine the fund flow direction, the fund safety is guaranteed, and the fund clearing efficiency of the transaction is improved.

It is understood that the beneficial effects of the second aspect to the fifth aspect can be referred to the related description of the first aspect, and are not described herein again.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.

Fig. 1 is a schematic structural diagram of a management system based on a blockchain network according to an embodiment of the present application;

fig. 2 is a flowchart illustrating a management method based on a blockchain network according to an embodiment of the present disclosure;

fig. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present application.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.

It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.

It should also be understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to" determining "or" in response to detecting ". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".

Furthermore, in the description of the present application and the appended claims, the terms "first," "second," "third," and the like are used for distinguishing between descriptions and not necessarily for describing or implying relative importance.

Reference throughout this specification to "one embodiment" or "some embodiments," or the like, means that a particular feature, structure, or characteristic described in connection with the embodiment is included in one or more embodiments of the present application. Thus, appearances of the phrases "in one embodiment," "in some embodiments," "in other embodiments," or the like, in various places throughout this specification are not necessarily all referring to the same embodiment, but rather "one or more but not all embodiments" unless specifically stated otherwise. The terms "comprising," "including," "having," and variations thereof mean "including, but not limited to," unless expressly specified otherwise.

The management system based on the block chain network provided by the embodiment of the application can be applied to terminal equipment such as mobile phones, PCs, tablet computers and the like, and the embodiment of the application does not limit the specific type of the terminal equipment.

In recent years, although the asset securitization method in the consumption financial industry has been developed to a certain extent, the safety of funds cannot be ensured due to the problems that the asset information reality degree of trading parties cannot be ensured, the information among all the participating parties is asymmetric, the data transfer efficiency is low, the fund clearance and account checking between trading systems are complex and the like. In order to solve the problem, the application provides a management system, a management method, a terminal device and a computer readable storage medium based on a blockchain network, which can ensure the authenticity of information, realize information peer-to-peer among multiple parties, ensure fund safety and improve the fund clearing efficiency of transaction by communicating among nodes in the blockchain network when financial transaction is carried out.

To implement the technical solution proposed in the present application, a management system 1 based on a blockchain network may be first constructed. Referring to fig. 1, the management system 1 based on the blockchain network is composed of more than two processing nodes 11 (only 3 are shown in the figure) and more than two client nodes 12 (only 2 are shown in the figure), and the nodes are connected in a two-to-two communication manner.

The processing node is a node for processing the received instruction and request. In the transaction process, the system can access the block chain network according to the obtained instruction, obtain a processing result corresponding to the instruction or the request, and feed back the processing result to the client node; the client node is a node for processing the received user data and the transaction request, processes the user data to reduce the data volume of transmission when receiving the user data sent by the user, and uploads the processed user data to the block chain network; when a transaction request sent by a user is received, the transaction can be evaluated, if the transaction evaluation is passed, the transaction request is uploaded to a block chain network, an analysis result about the transaction request sent by the user is obtained, and the analysis result is uploaded to the block chain network; and when the subscription request is received, judging whether the transaction request is matched with the subscription request, if so, judging that the transaction is successful, and uploading all information of the transaction to a block chain network to finish the transaction.

In order to explain the technical solution proposed in the present application, the following description will be given by way of specific examples.

Fig. 1 shows a schematic flowchart of a management system 1 based on a blockchain network provided in the present application, where the management system 1 based on a blockchain network includes: two or more processing nodes 11 and two or more client nodes 12, the nodes being communicatively connected in pairs.

The client node 12 is configured to send, when receiving an instruction and user data, the instruction and the user data to the processing node 11, and upload the instruction to a blockchain network.

In a particular application, the client node 12 may be a terminal device of a user in a blockchain network based management system, the user including, but not limited to, at least one of an original beneficiary, an underwriter, a plan manager, a stock exchange, an asset service, a plan custodian, a underwriter, an accounting firm, an upscale firm, a regulatory bank, a rating firm, and a law firm.

In a specific application, the client node 12 is configured to, when receiving an instruction and user data sent by a user, send the instruction and the user data to the processing node 11, and upload the instruction to the blockchain network.

The processing node 11 is configured to, when receiving the user data, process the user data, and upload the processed user data to the block chain network.

In a specific application, the processing node 11 is configured to perform association processing on user data when receiving the user data, and upload the user data after the association processing to a block chain network.

The processing node 11 is configured to process the instruction when receiving the instruction, feed back a processing result to the client node 12, and upload the processing result to the blockchain network.

In a specific application, the processing node 11 is further configured to, when receiving an instruction sent by the client node 12, generate a corresponding request according to the instruction, process the request, obtain a processing result corresponding to the request, feed the processing result back to the client node 12, and upload the processing result to the blockchain network. The order includes, but is not limited to, a new order command, an information query command, and a new order information confirmation command.

The client node 12 is further configured to, when receiving a transaction request, evaluate the transaction according to the transaction request and the processed user data, and if the transaction evaluation passes, upload the transaction request to the blockchain network.

In a specific application, the client node 12 is further configured to, when receiving a transaction request sent by a bottom-level user (such as an original beneficiary, a plan manager, or a host), obtain processed user data corresponding to the transaction request, and evaluate whether the transaction is legal or not according to the processed user data; and if the transaction evaluation is passed, generating an evaluation result passing the evaluation, and uploading the evaluation result of the transaction request to the block chain network.

In a specific application, the evaluating whether the transaction is legal by the processed user data may include: and acquiring asset data in the processed user data, if the asset data is greater than the lowest asset data required by the transaction, grading the credit of the user according to the asset data, and if the credit level of the user is greater than the lowest credit level required by the transaction, judging that the transaction is legal. Where the asset data may refer to a total amount of cash.

In one embodiment, the client node 12 is further configured to obtain analysis results regarding the transaction request and upload into the blockchain network; when a subscription request is received, whether the transaction request is matched with the subscription request is judged, when the transaction request is matched with the subscription request, the transaction is judged to be successful, and the information of the transaction is uploaded to the block chain network.

In a specific application, the client node 12 is further configured to obtain an analysis result about a transaction request sent by a user (here, a transaction assessment user, such as a series of participating institutions including an accounting firm, a grading institution, a supervision bank, a grading institution or a law firm in the process of establishing, issuing, clearing and the like of a securitized project of a consumed financial asset), and upload the analysis result to the blockchain network; when a subscription request corresponding to a transaction request sent by a subscription user (such as an underwriter, a subscriber or a stock exchange) is received, the subscription request is analyzed, subscription information in the subscription request is obtained, whether the transaction request is matched with the subscription request is judged according to the subscription information, when the transaction request is matched with the subscription request, the transaction is judged to be successful, and meanwhile, all information related to the transaction is uploaded to a block chain. The analysis result about the transaction request refers to an analysis result generated after the transaction evaluation user performs analysis evaluation on the assets of the bottom-layer user sending the transaction request.

By way of example and not limitation, a method of determining whether the transaction request and the subscription request match comprises: and analyzing the transaction amount contained in the subscription information and the subscription amount contained in the subscription request, and if the subscription amount is greater than or equal to the transaction amount, judging that the transaction request is matched with the subscription request and the transaction is successful.

For example, upon receiving a transaction request sent by an underlying user (e.g., an original beneficiary, a schedule manager, or a host), it may be evaluated whether the transaction corresponding to the transaction request is legitimate, and when the transaction is legitimate, the transaction request is issued to the blockchain network; the transaction assessment user (such as a series of participating institutions including an accounting firm, a grading agency, a supervision bank, a grading agency or a law firm in the processes of establishing, issuing and clearing of the securitization projects of the consumed financial assets) respectively carries out financial condition investigation, cash flow analysis and audit work on the bottom-layer user sending the transaction request; analyzing and pressure testing the cash flow of the bottom-layer user sending the transaction request to obtain a pressure testing result and provide transaction subscription reference data for the subscription user; evaluating legal information of the basic assets of the bottom-layer user sending the transaction request, drawing up a related transaction protocol or a transaction file, ensuring that related transaction contents and requirements are legal, and forming a corresponding transaction file; the intermediate user uploads the evaluation result of the transaction item and the transaction file to the blockchain network; the subscription user (such as an underwriter, a subscriber or a stock exchange) can determine whether to subscribe the transaction item according to the asset information of the underlying user sending the transaction request and the evaluation result of the transaction item, and sends the subscription request when determining to subscribe the transaction item; when a subscription request sent by a subscription user is received, whether the amount of money contained in the transaction request is matched with the amount of money contained in the subscription request is judged, when the amount of money contained in the transaction request is matched with the amount of money contained in the subscription request, the transaction is judged to be successful, an intelligent contract is generated according to the transaction request and the transaction file, and all relevant information of the transaction is uploaded to a block chain network; the whole transaction process is recorded in the block chain, the problem of information asymmetry of multiple users is solved, the user information and the transaction information are public and transparent and have uniqueness and high efficiency, the fund, credit worthiness and compliance of the fund, credit worthiness and credit legal compliance are ensured by verifying the fund of both parties of the transaction, and each participating user does not independently operate, so that bankruptcy isolation can be automatically realized, and the default probability is reduced through the intelligent contract of the block chain.

In one embodiment, the client node 12 is configured to, upon receiving transaction failure information sent by a user, send the transaction failure information to the processing node 11 and upload the transaction failure information to a blockchain network; the processing node 11 is further configured to generate a transaction failure record uplink request according to the transaction failure information when the transaction failure information is received, and uplink the transaction failure information.

In one embodiment, the client node 12 is further configured to, upon receiving refund information sent by a user, send the refund information to the processing node 11 and upload the refund information into a blockchain network; the processing node 11 is further configured to generate a refund uplink request according to the refund information and uplink the refund information when receiving the refund information.

It will be appreciated that the processing node 11 is also arranged to automatically perform a payment function upon detecting that a transaction condition has been triggered. For example, the processing node 11 may determine that the transaction condition is triggered and will automatically execute the repayment function upon detecting that the user has not sent the transaction amount to the transaction party within the set transaction time limit.

The multi-party transaction is completed based on the block chain network, the transaction efficiency is improved, meanwhile, in the transaction process, the transaction information of each link is uploaded to the block chain network, the information non-equality degree of multi-participation is reduced, the information transparency is improved, and the transaction stability is further ensured.

In one embodiment, the client node 12 is further configured to, when receiving a registration request sent by a user, parse the registration instruction to obtain registration information, and if the registration information meets a registration requirement, upload a unique identity included in the registration information to the blockchain network, and broadcast the unique identity to all the client nodes 12; the preset registration requirement may be specifically set according to an actual requirement, for example, the registration application information may be set to include a unique identification of the user, historical transaction information of the user, and a total amount of cash of the user, and correspondingly, when the registration application information does not include the historical transaction information of the user, it is determined that the user has failed to register. The unique id refers to a unique code that can identify the user, such as an organization code of a financial institution user, an identification number of an individual user, and the like.

In one embodiment, the client node 12 is also operative to generate a pair of public and private keys for each registered user, respectively, for information verification.

For example, when a user confirms a transaction, a signature confirmation by the user private key may be sent to the transaction party to ensure the authenticity of the signature.

In one embodiment, the user data includes a first type of data and a second type of data; wherein the first type of data and the second type of data represent different types of data of the same user.

In particular applications, types of user data include, but are not limited to, user's bank consumption transaction data, stock transaction data, fund transaction data, risk analysis data, fault detection data, personal information data, user distribution data, and user fund input data. The first type of data and the second type of data represent different types of data for the same user.

In practical application, one type of user data can be preset as first type data, and other types of user data are correspondingly set as second type data. For example, if the personal information data of the user is set as the first type of data, the bank consumption transaction data, the stock transaction data, the fund transaction data, the risk analysis data, the fault detection data, the user distribution data and the user investment data of the user are set as the second type of data.

It can be understood that, in practical applications, all types of user data may not be obtained, and therefore, priorities of all user data may be set, and corresponding first type data may be set according to the order of the priorities; for example, if the priority of the user data is personal information data > bank consumption transaction data > stock transaction data > fund transaction data > risk analysis data > fault detection data > user distribution data > user investment data, when the personal information data of the user is not acquired, the bank consumption transaction data of the user is set as first-type data, and the other types of acquired user data are set as second-type data.

In an embodiment, the client node 12 is specifically configured to establish a data storage table when receiving the user data, and store the first type of data in the data storage table; establishing an indication information storage table corresponding to the first type of data according to the first type of data, and sending the first type of data and the indication information storage table to the processing node 11, where the indication information storage table is used to store indication information of second type of data having an association relationship with the first type of data, and the indication information is storage address location information of the second type of data;

the processing node 11 is specifically configured to, when receiving the first type of data and the indication information storage table, parse the indication information storage table to obtain the indication information of the second type of data; analyzing the indication information to obtain the second type data; determining the priority of the second type of data according to the type of the second type of data; performing association processing on the first class of data and second class of data which has an association relation with the first class of data according to the priority of the second class of data; and generating block data according to the first class data and the second class data after the association processing, and uploading the block data to the block chain network.

In a specific application, the client node 12 is specifically configured to establish a corresponding data storage table for each user when receiving user data of the user, store first-class data of the user in the data storage table, establish an indication information storage table corresponding to the first-class data according to the first-class data, and send the first-class data and the indication information storage table corresponding to the first-class data to the processing node 11. The indication information storage table is used for storing indication information of second type data (namely, second type data belonging to the same user as the first type data) having an association relation with the first type data, and the indication information refers to storage address position information of the second type data.

In a specific application, the processing node 11 is specifically configured to obtain the indication information of the second type of data by analyzing the indication information storage table, then analyze the indication information, obtain the second type of data according to the storage address location information of the second type of data, determine the priority of the second type of data according to the type of the second type of data, perform association processing on the first type of data and the second type of data having an association relationship with the first type of data according to the priority of the second type of data, generate block data according to the first type of data and the second type of data after the association processing, and upload the block data to the block chain network.

In a specific application, all types of user data may not be obtained, and therefore, the second type of data of the user may be sorted according to the priority of the second type of data, the order of the second type of data is determined, and the association relationship between the first type of data and the second type of data is established. For example, if the priority of the user data is personal information data > bank consumption transaction data > stock transaction data > fund transaction data > risk analysis data > fault detection data > user distribution data > user investment data, when the personal information data, the user distribution data and the user investment data of the user are not acquired, the bank consumption transaction data can be set as first-class data, and the stock transaction data, the fund transaction data, the risk analysis data and the fault detection data can be set as second-class data, and the sequence of the second-class data is determined to be the stock transaction data > fund transaction data > risk analysis data > fault detection data > according to the priority of the second-class data. Correspondingly, the establishing of the association relationship between the first type of data and the second type of data according to the sequence comprises: the method comprises the steps of firstly establishing an incidence relation between bank consumption transaction data and stock transaction data, then establishing an incidence relation between the bank consumption transaction data and fund transaction data, an incidence relation between the bank consumption transaction data and risk analysis data, and finally establishing an incidence relation between the bank consumption transaction data and fault detection data.

The data transmission quantity is reduced by storing the indication information of the second type data in the corresponding indication information storage table associated with the first type data. By associating the first type data and the second type data of the same user and generating the corresponding block data, a large amount of unordered data in the block chain network are changed into ordered data blocks with association, the data integration level is improved, the complexity of data calculation is reduced, the data processing efficiency is improved, and the risk of data tampering is reduced.

In an embodiment, the processing node 11 is specifically configured to, when receiving the instruction, generate a corresponding request according to the instruction; the order comprises a new order command, an information inquiry command and a new order information confirmation command; the request is processed to obtain a processing result corresponding to the request, and the processing result is sent to the client node 12 and issued in the blockchain network.

In a specific application, the processing node 11 is specifically configured to, when receiving an instruction sent by the client node 12, generate a corresponding request according to the instruction, access a node in the blockchain network by the request to execute an operation corresponding to the request, obtain a processing result corresponding to the request, send the processing result to the client node 12, and simultaneously issue the processing result in the blockchain network.

In an embodiment, the processing node 11 is specifically configured to generate an information query request when the instruction is the information query instruction; when the command is the newly-built order information confirmation command, generating an order information confirmation uplink request; and when the command is the new order command, generating a new order information uplink request.

In a specific application, the processing node 11 is specifically configured to, when receiving the instruction, identify the type of the instruction, and when identifying that the instruction is an information query instruction, generate an information query request according to the information query instruction; when the command is identified to be a newly-built order information confirmation command, analyzing the newly-built order information confirmation command to obtain newly-built order information confirmation information, and generating an order information confirmation uplink request according to the newly-built order information confirmation information; and when the command is identified as a new order command, analyzing the new order command to obtain new order information, and generating a chain linking request of the new order information according to the new order information. The information query instruction refers to an instruction for querying information sent by a user; the newly-built order information confirmation instruction is a confirmation instruction which is sent by a user and carries information of a new transaction order; newly establishing an order information uplink request, namely an uplink request for confirming the order information in the block chain network; the new order instruction is an instruction sent by a user for applying for new transaction; the new order information uplink request refers to an uplink request for issuing new order information in a block chain network.

In an embodiment, the processing node 11 is specifically configured to upload the information query request to the blockchain network, so as to perform information query in the blockchain network according to the information query request, obtain an information query result, send the information query result to the client node 12, and publish the information query result in the blockchain network; uploading the order information uplink confirmation request to the blockchain network, so as to perform order information confirmation in the blockchain network according to the order information uplink confirmation request, obtain an order information confirmation result, send the order information confirmation result to the client node 12, and publish the order information confirmation result in the blockchain network.

In a specific application, the processing node 11 is specifically configured to, after generating an information query request instruction, issue a request in a blockchain network, perform information query in the blockchain network through the information query request, and if information corresponding to the information query request is queried, generate a corresponding information query result; if the information corresponding to the information query request is not queried, generating a query failure notification as a corresponding information query result, sending the information query result to the client node 12, and simultaneously issuing the information query result in the block chain network; the processing node 11 is specifically configured to, after generating the order information uplink confirmation request, publish the order information uplink confirmation request in the blockchain network, query corresponding order information in the blockchain network according to the order information uplink confirmation request, and verify whether the queried order information is the same as information corresponding to the order information uplink confirmation request, if the queried order information is the same as the information corresponding to the order information uplink confirmation request, generate an order information confirmation result that the confirmation is successful, if the queried order information is not the same as the information corresponding to the order information uplink confirmation request, generate an order information confirmation result that the confirmation is failed, send the order information confirmation result to the client node 12, and upload the order information confirmation result to the blockchain network.

In an embodiment, the processing node 11 is specifically configured to obtain uplink request data corresponding to the uplink request of the new order information; performing simulated transaction on the uplink request data according to the uplink request of the newly-built order information to generate a transaction signature; packaging the uplink request data and the transaction signature into block data; and verifying the transaction signature, and uploading the block data to the block chain network if the transaction signature passes verification.

In a specific application, the processing node 11 is specifically configured to, after generating a new order information uplink request according to the new order information, use the new order information as uplink request data, perform a simulated transaction on the uplink request data according to the new order information uplink request to generate a transaction signature, package the uplink request data and the transaction signature into block data, check the transaction signature in the block data, determine whether the transaction signature is the same as a pre-stored user signature, determine that the transaction signature check is passed if the transaction signature is the same, and upload the block data to the block chain network.

In an embodiment, the processing node 11 is further configured to perform credit risk analysis according to the processed user data, and obtain a credit risk analysis result; performing technical risk analysis according to the processed user data to obtain a technical risk analysis result; performing operation risk analysis according to the processed user data to obtain an operation risk analysis result; performing information verification on the user according to the credit risk analysis result, the credit risk analysis result and the credit risk analysis result to obtain an information verification result; and deleting all user data of the user with the authentication failure when the information authentication result is judged to be the authentication failure.

In particular applications, risk analysis data includes, but is not limited to, operational risk data; the processing node 11 is further configured to perform a series of risk analyses on the processed user data after processing the user data, including first obtaining credit data in the processed user data, and calculating the credit data to obtain a credit risk value, and if the credit risk value is less than or equal to a preset credit risk threshold, determining that the credit risk of the user is high, and generating a credit risk analysis result of failure in evaluation; after credit risk analysis is carried out, acquiring technical risk data in the processed user data, calculating a technical risk value according to the technical risk data, if the technical risk value is greater than or equal to a preset technical risk threshold value, judging that the technical risk of the user is higher, and generating a technical risk analysis result of failure evaluation; after technical risk analysis is carried out, operation risk data in the processed user data are obtained, an operation risk value is calculated according to the operation risk data, if the operation risk value is larger than or equal to a preset operation risk threshold value, it is judged that the operation risk of the user is higher, and an operation risk analysis result of evaluation failure is generated; if the credit risk analysis result, the credit risk analysis result and the credit risk analysis result are all evaluated successfully, verifying the processed user data, checking the authenticity of the user data, if the user data is real, generating an information verification result which is verified successfully, and sending the information verification result to the block chain network; and if the user data is not authentic, generating an information verification result of the verification failure, and deleting all the user data of the user of which the verification failure occurs. The technical risk data refers to the probability of technical fault of the user in the transaction process, which is calculated according to the fault detection data. The credit risk threshold, the technical risk threshold and the operation risk threshold can be specifically set according to the actual requirements of the user; for example, if the credit risk threshold is set to 90, if the credit risk value of the user is 81, it is determined that the credit risk of the user is high, and a credit risk analysis result of evaluation failure is generated; if the technical risk threshold is set to be 5%, when the technical failure probability of the user is 8%, judging that the technical risk of the user is high, and generating a technical risk analysis result of failure evaluation; if the operation risk threshold is set to be 3%, when the operation risk value of the user is 4%, the operation risk of the user is judged to be high, and an operation risk analysis result of evaluation failure is generated.

By carrying out risk analysis on the user data, the risk of fund transaction can be found in advance, the source of the risk can be traced, and the safety of assets can be guaranteed.

It can be understood that if any one of the credit risk analysis result, the technical risk analysis result and the operation risk analysis result is an evaluation failure, all user data of the user with the evaluation failure is directly deleted.

It can be understood that only the registered user is set to have the authority to view the user data and the user evaluation result, so that the information is disclosed and transparent, and the information safety of the user is guaranteed.

The credit data includes but is not limited to an asset liability statement, a profit statement, a financial condition change statement, a total cash amount, a business profit amount and the like of the user, and the credit data is calculated by a preset method to obtain a credit risk value, including: calculating the probability that the user cannot pay according to the credit data to serve as a first credit score; analyzing and calculating the credit data by a 5c element analysis method to obtain a second credit score of the user; scoring the credit data of the user by a list scoring analysis method to obtain a third credit score of the user; and calculating the sum of the obtained first credit score, the second credit score and the third credit score as the credit risk value of the user. The 5C factor analysis method is a method for analyzing five aspects of the user, such as the grade, the operation capacity, the capital, the asset mortgage, the economic environment, and the like.

The method for calculating the operation risk value comprises the following steps: a basic index method, a standard method, an internal weighing method, a loss distribution method, a POT method, a BM method, and the like; wherein, the basic index method is a method for calculating the operation risk capital.

The standard method is mainly to divide the service activities of users into a plurality of standardized service types, and set corresponding indexes for each standardized service type to represent the service volume of the service. And setting a fixed percentage coefficient beta for each standardized service type, taking the product of the fixed percentage coefficient and the index of each standardized service type as an operation risk value occupied by the service, and calculating to obtain the sum of the operation risk values occupied by all the service types as a final operation risk value.

Internal metrology is a complex function that can be expressed as an expected loss by assuming a fixed and stable relationship between the expected and unexpected losses. The probability of occurrence of the operational risk (PE) at a loss event and the degree of Loss (LGE) for that loss event are calculated for the internal loss data by a complex function of expected losses. And determining a conversion factor for converting the expected loss into the capital requirement for each business type combination according to the industry-wide loss distribution, and calculating the operation risk value of each user by using the factor.

The loss distribution method is to calculate a probability distribution value of the operational risk loss for a certain period (for example, one year) for each traffic class and risk type.

Risk analysis is carried out on the user data and information verification is carried out, so that the authenticity of the data is improved, and the fund safety of a transaction party is guaranteed.

According to the embodiment, the user data is analyzed and processed through the user data corresponding to each client in real time, the processed data is uploaded to the blockchain network, the complexity of the data is reduced, data can be prevented from being tampered, the authenticity of the data and the information equivalence of multiple parties are improved, and meanwhile, the transaction is realized through the blockchain network, so that the transaction party determines the fund flow direction, the fund safety is guaranteed, and the fund clearing efficiency of the transaction is improved.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.

Corresponding to the management method based on the blockchain network described in the above embodiments, fig. 3 shows a flowchart of the management method based on the blockchain network provided in the embodiment of the present application, and for convenience of description, only the portions related to the embodiment of the present application are shown.

Referring to fig. 3, the management method based on the blockchain network includes:

s101, when receiving an instruction, uploading the instruction to a block chain network.

In a specific application, the step S101 may be performed by a client node of the management system based on the blockchain network in the embodiment.

And S102, processing the user data when the user data is received, and uploading the processed user data to the block chain network.

In a specific application, the step 102 may be performed by the processing node of the management system based on the blockchain network in the embodiment.

And S103, processing the instruction, and uploading a processing result to the block chain network.

In a specific application, the step 103 may be executed by the processing node of the management system based on the blockchain network in the above embodiment.

S104, when a transaction request is received, evaluating the transaction according to the transaction request and the processed user data, and if the transaction evaluation is passed, uploading the transaction request to the block chain network;

s105, obtaining an analysis result about the transaction request, uploading the analysis result to the block chain network, and judging whether the transaction request is matched with the subscription request when the subscription request is received;

and S106, when the transaction request is matched with the subscription request, judging that the transaction is successful, and uploading the information of the transaction to the block chain network.

In a specific application, the steps S104 to S106 may be performed by the client node of the management system based on the blockchain network in the embodiment.

In one embodiment, the user data includes a first type of data and a second type of data; wherein the first type of data and the second type of data represent different types of data of the same user;

in one embodiment, the step S101 includes:

when the user data is received, establishing a data storage table, and storing the first type of data into the data storage table;

establishing an indication information storage table corresponding to the first type of data according to the first type of data; the indication information storage table is used for storing indication information of second type data which has an incidence relation with the first type data, and the indication information is storage address position information of the second type data.

In one embodiment, the step S102 includes:

when the first type data and the indication information storage table are received, analyzing the indication information storage table to acquire the indication information of the second type data;

analyzing the indication information to obtain the second type data;

determining the priority of the second type of data according to the type of the second type of data;

performing association processing on the first class of data and second class of data which has an association relation with the first class of data according to the priority of the second class of data;

and generating block data according to the first class data and the second class data after the association processing, and uploading the block data to the block chain network.

In one embodiment, the step S103 includes:

s1031, when the instruction is received, generating a corresponding request according to the instruction; the order comprises a new order command, an information inquiry command and a new order information confirmation command;

s1032, the request is processed, a processing result corresponding to the request is obtained, and the processing result is sent to the client node and issued in the block chain network.

In one embodiment, the step S1031 includes:

when the instruction is the information query instruction, generating an information query request;

when the command is the newly-built order information confirmation command, generating an order information confirmation uplink request;

and when the command is the new order command, generating a new order information uplink request.

In one embodiment, the step S1032 includes:

uploading the information query request to the block chain network, so as to perform information query in the block chain network according to the information query request, obtain an information query result, and issue the information query result in the block chain network;

uploading the order information uplink confirmation request to the block chain network, so as to confirm the order information in the block chain network according to the order information uplink confirmation request, obtain an order information confirmation result, and publishing the order information confirmation result in the block chain network.

In one embodiment, the step S1032 further includes:

acquiring uplink request data corresponding to the uplink request of the newly-built order information;

performing simulated transaction on the uplink request data according to the uplink request of the newly-built order information to generate a transaction signature;

packaging the uplink request data and the transaction signature into block data;

and verifying the transaction signature, and uploading the block data to the block chain network if the transaction signature passes verification.

In one embodiment, the method further comprises:

performing credit risk analysis according to the processed user data to obtain a credit risk analysis result;

performing technical risk analysis according to the processed user data to obtain a technical risk analysis result;

performing operation risk analysis according to the processed user data to obtain an operation risk analysis result;

performing information verification on the user according to the credit risk analysis result, the credit risk analysis result and the credit risk analysis result to obtain an information verification result;

and deleting all user data of the user with the authentication failure when the information authentication result is judged to be the authentication failure.

In a specific application, the above steps may be performed by the processing node of the management system based on the blockchain network in the above embodiment.

It should be noted that, for the information interaction, execution process, and other contents between the above-mentioned devices/units, the specific functions and technical effects thereof are based on the same concept as those of the embodiment of the method of the present application, and specific reference may be made to the part of the embodiment of the method, which is not described herein again.

Fig. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present application. As shown in fig. 3, the terminal device 3 of this embodiment includes: at least one processor 30 (only one shown in fig. 3), a memory 31, and a computer program 32 stored in the memory 31 and executable on the at least one processor 30, wherein the processor 30 executes the computer program 32 to implement the steps in any of the various embodiments of the management method based on a blockchain network.

The terminal device 3 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal device may include, but is not limited to, a processor 30, a memory 31. Those skilled in the art will appreciate that fig. 3 is only an example of the terminal device 3, and does not constitute a limitation to the terminal device 3, and may include more or less components than those shown, or combine some components, or different components, for example, and may further include an input/output device, a network access device, and the like.

The Processor 30 may be a Central Processing Unit (CPU), and the Processor 30 may be other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The memory 31 may in some embodiments be an internal storage unit of the terminal device 3, such as a hard disk or a memory of the terminal device 3. In other embodiments, the memory 31 may also be an external storage device of the terminal device 3, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital Card (SD), a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 3. Further, the memory 31 may also include both an internal storage unit and an external storage device of the terminal device 3. The memory 31 is used for storing an operating system, an application program, a BootLoader (BootLoader), data, and other programs, such as program codes of the computer program. The memory 31 may also be used to temporarily store data that has been output or is to be output.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

The embodiments of the present application further provide a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the steps in the above-mentioned method embodiments.

The embodiments of the present application provide a computer program product, which when running on a mobile terminal, enables the mobile terminal to implement the steps in the above method embodiments when executed.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, all or part of the processes in the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium and can implement the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include at least: any entity or device capable of carrying computer program code to a photographing apparatus/terminal apparatus, a recording medium, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), an electrical carrier signal, a telecommunications signal, and a software distribution medium. Such as a usb-disk, a removable hard disk, a magnetic or optical disk, etc. In certain jurisdictions, computer-readable media may not be an electrical carrier signal or a telecommunications signal in accordance with legislative and patent practice.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus/network device and method may be implemented in other ways. For example, the above-described apparatus/network device embodiments are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implementing, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.

Claims

1. A management system based on a block chain network comprises more than two processing nodes and more than two client nodes, wherein the nodes are connected in a pairwise communication manner;

2. The blockchain network based management system of claim 1, wherein the user data includes a first type of data and a second type of data; wherein the first type of data and the second type of data represent different types of data of the same user;

the client node is specifically configured to establish a data storage table when receiving the user data, and store the first type of data in the data storage table; establishing an indication information storage table corresponding to the first type of data according to the first type of data, and sending the first type of data and the indication information storage table to the processing node, wherein the indication information storage table is used for storing indication information of second type of data having an association relation with the first type of data, and the indication information is storage address position information of the second type of data;

the processing node is specifically configured to, when receiving the first type of data and the indication information storage table, parse the indication information storage table to obtain indication information of the second type of data; analyzing the indication information to obtain the second type data; determining the priority of the second type of data according to the type of the second type of data; performing association processing on the first class of data and second class of data which has an association relation with the first class of data according to the priority of the second class of data; and generating block data according to the first class data and the second class data after the association processing, and uploading the block data to the block chain network.

3. The blockchain network based management system according to claim 1, wherein the processing node is specifically configured to generate a corresponding request according to the instruction when receiving the instruction; the order comprises a new order command, an information inquiry command and a new order information confirmation command; and processing the request, obtaining a processing result corresponding to the request, sending the processing result to the client node and issuing the processing result in the block chain network.

4. The blockchain network based management system according to claim 3, wherein the processing node is specifically configured to generate an information query request when the instruction is the information query instruction; when the command is the newly-built order information confirmation command, generating an order information confirmation uplink request; and when the command is the new order command, generating a new order information uplink request.

5. The system according to claim 4, wherein the processing node is specifically configured to upload the information query request to the blockchain network, so as to perform information query in the blockchain network according to the information query request, obtain an information query result, send the information query result to the client node, and issue the information query result in the blockchain network; uploading the order information uplink confirmation request to the block chain network, so as to confirm the order information in the block chain network according to the order information uplink confirmation request, obtain an order information confirmation result, send the order information confirmation result to the client node, and release the order information confirmation result in the block chain network.

6. The system according to claim 4, wherein the processing node is specifically configured to obtain uplink request data corresponding to the uplink request of the new order information; performing simulated transaction on the uplink request data according to the uplink request of the newly-built order information to generate a transaction signature; packaging the uplink request data and the transaction signature into block data; and verifying the transaction signature, and uploading the block data to the block chain network if the transaction signature passes verification.

7. The blockchain network based management system of claim 1, wherein the processing node is further configured to perform a credit risk analysis according to the processed user data to obtain a credit risk analysis result; performing technical risk analysis according to the processed user data to obtain a technical risk analysis result; performing operation risk analysis according to the processed user data to obtain an operation risk analysis result; performing information verification on the user according to the credit risk analysis result, the credit risk analysis result and the credit risk analysis result to obtain an information verification result; and deleting all user data of the user with the authentication failure when the information authentication result is judged to be the authentication failure.

8. A management method based on a block chain network is characterized by comprising the following steps:

9. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the method according to claim 8 when executing the computer program.

10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the method of claim 8.