CN113095930A

CN113095930A - Transaction matching method and device for banking loan

Info

Publication number: CN113095930A
Application number: CN202110393956.2A
Authority: CN
Inventors: 刘晨阳; 张晓娟; 杜一品
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-04-13
Filing date: 2021-04-13
Publication date: 2021-07-09

Abstract

The invention provides a transaction matching method and device for a banking loan, and relates to the technical field of block chains. The method comprises the following steps: acquiring transaction orders issued by each organization node and passing through each transaction order, and acquiring at least one initial transaction group according to the demand type, the transaction time range and the transaction pairing rule; pushing each initial transaction group to a corresponding organization node according to the organization identification included in each initial transaction group, and receiving signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group; broadcasting each signature transaction group into the backbone network to conduct a transaction consensus on each signature transaction group; performing transaction confirmation on the signature transaction group identified by the transaction; the set of signed transactions validated by the transaction is stored on the backbone. The device is used for executing the method. The transaction matching method and device for the bank loan, provided by the embodiment of the invention, can improve the transaction efficiency of the bank loan.

Description

Transaction matching method and device for banking loan

Technical Field

The invention relates to the technical field of block chains, in particular to a transaction matching method and device for a banking loan.

Background

The banking loan plays an increasingly important role in the change of economic transformation as a loan mode for sharing risk and benefit.

In the prior art, the banking transaction is usually issued by a lead bank (demand side) to match information, and a loan bank (supply side) is passively screened and communicated to achieve a matching desire. Due to the fact that the information of the lead lines and the loan participation lines is asymmetric, the time for meeting will is long, and the trading efficiency of the bank loan is low.

Disclosure of Invention

In view of the problems in the prior art, embodiments of the present invention provide a method and an apparatus for matching transactions of a banking loan, which can at least partially solve the problems in the prior art.

In one aspect, the invention provides a transaction matching method for a banking loan, comprising the following steps:

acquiring a transaction order issued by each organization node, wherein the transaction order comprises an organization identifier, a demand type and a transaction time range; the mechanism identifiers correspond to the mechanism nodes one to one;

traversing each transaction order, and obtaining at least one initial transaction group according to the requirement type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction sheet and a supply transaction sheet; the transaction pairing rules are preset;

pushing each initial transaction group to a corresponding organization node according to the organization identification included in each initial transaction group, and receiving signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group;

broadcasting each signature transaction group into a main chain network to carry out transaction consensus on each signature transaction group, and obtaining signature transaction groups passing the transaction consensus; wherein the signed transaction group includes signature information of the initial transaction group;

performing transaction confirmation on the signature transaction group identified by the transaction to obtain the signature transaction group confirmed by the transaction;

the set of signed transactions validated by the transaction is stored on the backbone.

In another aspect, the present invention provides a transaction matching apparatus for a banking loan, comprising:

the acquisition module is used for acquiring a transaction order issued by each organization node, and the transaction order comprises an organization identifier, a demand type and a transaction time range; the mechanism identifiers correspond to the mechanism nodes one to one;

the traversing module is used for traversing each transaction order and obtaining at least one initial transaction group according to the requirement type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction sheet and a supply transaction sheet; the transaction pairing rules are preset;

the pushing module is used for pushing each initial transaction group to a corresponding organization node according to the organization identification included in each initial transaction group and receiving signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group;

the broadcasting module is used for broadcasting each signature transaction group to the main chain network so as to carry out transaction consensus on each signature transaction group and obtain the signature transaction group passing through the transaction consensus; wherein the signed transaction group includes signature information of the initial transaction group;

the transaction confirmation module is used for performing transaction confirmation on the signature transaction group identified by the transaction to obtain the signature transaction group confirmed by the transaction;

and the transaction storage module is used for storing the signature transaction group confirmed by the transaction to the main chain.

In yet another aspect, the present invention provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the trade matching method for the banking loan according to any one of the embodiments.

In yet another aspect, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the method for matching transactions in a banking loan, as described in any of the above embodiments.

The transaction matching method and device for the banking loan, provided by the embodiment of the invention, can obtain transaction lists which are issued by each organization node and comprise organization identifications, demand types and transaction time ranges, traverse each transaction list, obtain at least one initial transaction group according to the demand types, the transaction time ranges and transaction matching rules, push each initial transaction group to the corresponding organization node according to the organization identifications of each initial transaction group, receive signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group, broadcast each signature transaction group to a main chain network to perform transaction consensus on each signature transaction group, obtain signature transaction groups passing the transaction consensus, perform transaction confirmation on the signature transaction groups passing the transaction consensus, obtain signature transaction groups passing the transaction confirmation, store the signature transaction groups passing the transaction confirmation to the main chain, the two-way match of the bank loan is realized, the searching and waiting time of both parties is reduced, and the transaction efficiency of the bank loan is improved.

Drawings

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

fig. 1 is a schematic structural diagram of a trade matching system for a banking loan, according to a first embodiment of the present invention.

Fig. 2 is a flowchart illustrating a transaction matching method for a banking loan according to a second embodiment of the present invention.

Fig. 3 is a flowchart illustrating a transaction matching method for a banking loan according to a third embodiment of the present invention.

Fig. 4 is a flowchart illustrating a transaction matching method for a banking loan according to a fourth embodiment of the present invention.

Fig. 5 is a flowchart illustrating a transaction matching method for a banking loan according to a fifth embodiment of the present invention.

Fig. 6 is a flowchart illustrating a transaction matching method for a banking loan according to a sixth embodiment of the present invention.

Fig. 7 is a schematic structural diagram of a transaction matching apparatus for a banking loan, according to a seventh embodiment of the present invention.

Fig. 8 is a schematic structural diagram of a transaction matching apparatus for a banking loan, according to an eighth embodiment of the present invention.

Fig. 9 is a schematic structural diagram of a transaction matching apparatus for a banking loan, according to a ninth embodiment of the present invention.

Fig. 10 is a schematic structural diagram of a transaction matching apparatus for a banking loan, according to a tenth embodiment of the present invention.

Fig. 11 is a schematic structural diagram of a transaction matching apparatus for a banking loan, according to an eleventh embodiment of the present invention.

Fig. 12 is a schematic structural diagram of a transaction matching apparatus for a banking loan, according to a twelfth embodiment of the present invention.

Fig. 13 is a schematic physical structure diagram of an electronic device according to a thirteenth embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.

Fig. 1 is a schematic structural diagram of a trade matching system for a banking loan according to an embodiment of the present invention, and as shown in fig. 1, the trade matching system for a banking loan according to an embodiment of the present invention includes a trade matching node 1 and a plurality of institution nodes 2, where:

the transaction matching node 1 is respectively connected with each organization node 2 in a communication way. The transaction matching node 1 and each main chain node 2 can be implemented by adopting a server.

The transaction matching node 1 is used for executing the transaction matching method of the banking loan provided by the embodiment of the invention. Each organization node 2 is uniquely corresponding to an organization, and the organization is used for issuing a transaction order through the corresponding organization node 2, wherein the transaction order can comprise information such as organization identification, demand type, demand party limit or supply party limit, interest rate, transaction time range, client credit rating, transaction order state and the like. The mechanism identification corresponds to the mechanism one by one. The demand type comprises a demand provider and a demand supplier, the lead line is used as the demand provider, and the reference line is used as the demand supplier. The demand side limit is the amount of money to be financed, and the supplier side limit is the fund that can be provided. The transaction time frame refers to the time interval during which the transaction is allowed to be completed. The higher the credit rating of the client, the better the credit of the client, and the higher the credit limit of the loan; a lower customer rating indicates a poorer customer credit, a lower credit limit for loans. When the institution node 2 issues the transaction order, the state of the transaction order can be set to be matched. In the embodiment of the present invention, the institution refers to an institution capable of issuing a loan, such as a commercial bank, a local bank, an internet bank, a trust company, and the like.

The transaction matching node 1 and each organization node 2 are nodes in a main chain network, and each organization node 2 corresponds to a parallel chain.

The following describes a specific implementation process of the trade matching method for the clique loan, which is provided by the embodiment of the invention, by taking the trade matching node as an execution subject.

Fig. 2 is a schematic flow chart of a transaction matching method for a banking loan according to a second embodiment of the present invention, and as shown in fig. 2, the transaction matching method for the banking loan according to the embodiment of the present invention includes:

s201, obtaining a transaction order issued by each organization node, wherein the transaction order comprises an organization identifier, a demand type and a transaction time range; the mechanism identifiers correspond to the mechanism nodes one to one;

specifically, the institution serving as the lead bank loan may issue a transaction order through the institution node, where the transaction order may include information such as institution identification, demand type, demand party amount, transaction time range, client credit rating, and transaction order status, where the demand type is a demand provider, and the demand party amount is equal to the total financing amount of the bank minus the amount credited by the lead bank, that is, the total amount distributed to other members of the bank loan. Each organization can issue a transaction order through the organization node, the transaction order can comprise information such as organization identification, demand type, provider limit, transaction time range, client credit rating, transaction order state and the like, and the demand type is the demand provider. The transaction matching node can receive transaction orders issued by each organization node. And the mechanism identification corresponds to the mechanism node one to one.

S202, traversing each transaction order, and obtaining at least one initial transaction group according to the requirement type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction sheet and a supply transaction sheet; the transaction pairing rules are preset;

specifically, the transaction matching node traverses each transaction order, pairs of transaction orders are carried out on each transaction order according to the requirement type, the transaction time range and the transaction pairing rule, and a plurality of initial transaction groups are obtained, wherein each initial transaction group comprises a requirement transaction order and a supply transaction order. The demand transaction sheet is a transaction sheet issued by a leading bank, and the demand type is a demand provider; the demand type of the supply transaction sheet is a demand supplier. The transaction pairing rule is preset and is set according to actual needs, and the embodiment of the invention is not limited.

For example, the transaction pairing rules include that the demand types of the two transaction orders are opposite and that the transaction time ranges of the two transaction orders match. If the demand types of the two transaction orders are opposite and the transaction time ranges match, then the two transaction orders constitute an initial transaction group.

S203, pushing each initial transaction group to a corresponding organization node according to the organization identification included in each initial transaction group, and receiving signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group;

specifically, for each initial transaction group, the transaction matching node obtains the institution identification of the demand transaction order and the institution identification of the supply transaction order from the demand transaction order and the supply transaction order included in the initial transaction group, and then pushes the initial transaction group to the institution node corresponding to the institution identification of the demand transaction order and the institution node corresponding to the institution identification of the supply transaction order. After receiving the initial transaction group, the institution node corresponding to the institution identification of the demand transaction order can sign the received initial transaction group through a private key to obtain signature information of a demand party, and then returns the signature information of the demand party to the transaction matching node. Similarly, after receiving the initial transaction group, the institution node corresponding to the institution identifier of the supply transaction order may sign the received initial transaction group by using a private key to obtain supplier signature information, and then return the supplier signature information to the transaction matching node. And the transaction matching node receives the demand party signature information corresponding to the demand transaction order and the supply party signature information corresponding to the supply transaction order as the signature information of the initial transaction group. The transaction matching node continuously repeats the process, and signature information of each initial transaction group can be obtained.

S204, broadcasting each signature transaction group to a main chain network to carry out transaction consensus on each signature transaction group, and obtaining signature transaction groups passing through the transaction consensus; wherein the signed transaction group includes signature information of the initial transaction group;

specifically, the transaction matching node broadcasts each signature transaction group into the main chain network, so that each organization node in the main chain network performs transaction consensus on each signature transaction group. And each organization node returns a transaction consensus result to the transaction matching node, and the transaction matching node judges whether each signature transaction group passes the transaction consensus or not based on the transaction consensus result returned by each organization node, so as to obtain the signature transaction group passing the transaction consensus. Wherein the signed transaction group includes signature information for the initial transaction group. The consensus mechanism adopted by the transaction consensus is set according to actual needs, and the embodiment of the invention is not limited.

S205, transaction confirmation is carried out on the signature transaction group which is identified through the transaction, and the signature transaction group which is confirmed through the transaction is obtained;

specifically, the transaction matching node sends the signature transaction group identified by the transaction to the corresponding institution node for transaction confirmation, and obtains the signature transaction group identified by the transaction based on the transaction confirmation result of the signature transaction group identified by the transaction.

And S206, storing the signature transaction group confirmed by the transaction to the main chain.

Specifically, after the transaction matching node obtains the signature transaction group confirmed through the transaction, the signature transaction group confirmed through the transaction is subjected to storage consensus through a storage consensus mechanism, and the signature transaction group confirmed through the storage consensus is stored on the main chain in a block form. The storage consensus mechanism is preset and is set according to actual needs, and the embodiment of the invention is not limited.

The transaction matching method for the banking loan, provided by the embodiment of the invention, can obtain transaction lists which are issued by each organization node and comprise organization identifications, demand types and transaction time ranges, traverse each transaction list, obtain at least one initial transaction group according to the demand types, the transaction time ranges and transaction matching rules, push each initial transaction group to the corresponding organization node according to the organization identifications included by each initial transaction group, receive signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group, broadcast each signature transaction group to a main chain network to carry out transaction consensus on each signature transaction group, obtain signature transaction groups passing the transaction consensus, carry out transaction confirmation on the signature transaction groups passing the transaction consensus, obtain signature transaction groups passing the transaction confirmation, store the signature transaction groups passing the transaction confirmation to the main chain, the two-way match of the bank loan is realized, the searching and waiting time of both parties is reduced, and the transaction efficiency of the bank loan is improved.

Fig. 3 is a schematic flow chart of a transaction matching method for a banking loan according to a third embodiment of the present invention, and as shown in fig. 3, based on the foregoing embodiments, further, the broadcasting each signature transaction group into the main network to perform transaction agreement on each signature transaction group, and obtaining the signature transaction group passing the transaction agreement includes:

s301, broadcasting the signature transaction group to a main chain network so that other organization nodes corresponding to the signature transaction group can identify the signature transaction group; wherein, the other organization nodes corresponding to the signature transaction group are the organization nodes except the organization nodes corresponding to the signature transaction group in the main chain network;

specifically, the transaction matching node broadcasts the signature transaction group to a main chain network, each organization node may receive the signature transaction group and decrypt the signature transaction group, and other organization nodes corresponding to the signature transaction group may agree on the signature transaction group based on information obtained by decryption, and then return a transaction agreement result to the transaction matching node, where the transaction agreement result is that the transaction verification passes or the transaction verification fails. And the other organization nodes corresponding to the signature transaction group are organization nodes except the organization nodes corresponding to the signature transaction group in the main chain network.

For example, other institution nodes corresponding to the signature transaction group can decrypt the signature transaction group through the public key of the institution node corresponding to the signature transaction group, namely, the signature information of the demand party included in the signature transaction group is decrypted through a structural node corresponding to the demand transaction sheet to obtain a first initial transaction group, and decrypting supplier signature information included in the signature transaction group through a structural node corresponding to the supply transaction order to obtain a second initial transaction group, then comparing the first initial transaction group with the second initial transaction group, if the first initial transaction group is the same as the second initial transaction group, the obtained transaction consensus result is that the transaction is verified, and if the first initial transaction group and the second initial transaction group are not the same, the obtained transaction consensus result is that the transaction verification is not passed. And the public key of the organization node is preset and is broadcast to the main chain network in advance.

For example, the other institution nodes corresponding to the signature transaction group may decrypt the signature transaction group through the public key of the institution node corresponding to the signature transaction group, that is, decrypt the signature information of the requesting party included in the signature transaction group through the structural node corresponding to the request transaction order to obtain a first initial transaction group, decrypt the signature information of the supplying party included in the signature transaction group through the structural node corresponding to the supply transaction order to obtain a second initial transaction group, compare the first initial transaction group with the second initial transaction group, and match the request transaction order of the first initial transaction group with the local transaction order and match the supply transaction order of the first initial transaction group with the local transaction order if the first initial transaction group is the same as the second initial transaction group.

If a local transaction order matched with the demand transaction order exists, acquiring a client credit rating from the demand transaction order, comparing the client credit rating of the demand transaction order with the client credit rating of the matched local transaction order, and acquiring a first client credit rating comparison result, wherein the first client credit rating comparison result is that the client credit rating of the local transaction order is high or the local client credit rating is low, and the high local client credit rating means that the client credit rating of at least one matched local transaction order is higher than the client credit rating of the demand transaction order; a low local customer credit rating means that the customer credit rating of all matching local transaction orders is not higher than the customer credit rating of the demand transaction order.

If a local transaction order matched with the supply transaction order exists, acquiring a client credit rating from the supply transaction order, comparing the client credit rating of the supply transaction order with the client credit rating of the matched local transaction order, and acquiring a second client credit rating comparison result, wherein the second client credit rating comparison result is that the local client credit rating is high or the local client credit rating is low, and the high local client credit rating means that the client credit rating of at least one matched local transaction order is higher than the client credit rating of the supply transaction order; a low local customer credit rating means that none of the matched local transaction orders have a customer credit rating higher than the customer credit rating of the offer transaction order.

And if the obtained first client credit rating result and the obtained second client credit rating result are both low in local client credit rating, the obtained transaction consensus result is that the transaction is verified. If one of the obtained first customer credit rating result or the obtained second customer credit rating result is that the local customer credit rating is high, the obtained transaction consensus result is that the transaction verification is not passed.

And S302, if the number of the received transaction consensus results including the transaction verification passing returned by other mechanism nodes corresponding to the signature transaction group is judged to be larger than the preset number, determining that the signature transaction group passes the transaction consensus.

Specifically, the transaction matching node receives transaction consensus results returned by other organization nodes corresponding to the signature transaction group, counts the number of the transaction consensus results including the transaction verification pass, and if the number of the transaction consensus results including the transaction verification pass is greater than a preset number, it can be determined that the signature transaction group passes the transaction consensus. If the number of the transaction consensus results including the transaction verification pass is less than or equal to the preset number, the transaction matching node may disassemble the signature transaction sheet, and repeat step S202 to match the demand transaction sheet and the supply transaction sheet included in the signature transaction sheet again. The preset number is set according to actual needs, and the embodiment of the invention is not limited.

Fig. 4 is a schematic flow chart of a transaction matching method for a banking loan according to a fourth embodiment of the present invention, and as shown in fig. 4, on the basis of the foregoing embodiments, further performing transaction confirmation on a signature transaction group agreed by the transaction, and obtaining the signature transaction group confirmed by the transaction includes:

s401, if the signature transaction group is known to pass the transaction consensus, setting negotiation time for the signature transaction group;

specifically, after learning that the signature transaction group is agreed by the transaction, the transaction matching node sets negotiation time for the signature transaction group, where the negotiation time is the longest time for the institution node corresponding to the signature transaction group to perform transaction confirmation.

S402, pushing the signature transaction group and the negotiation time of the signature transaction group to the corresponding organization node so as to enable the organization node corresponding to the signature transaction group to perform transaction confirmation;

specifically, the transaction matching node pushes a signature transaction group identified by a transaction and the negotiation time of the signature transaction group to the corresponding institution node, that is, to the institution node corresponding to the required transaction order and the institution node corresponding to the supply transaction order. And if the staff of the demand party does not agree with the signature transaction group, refusing to match transaction information including a refusing transaction to be denied is returned to the transaction matching node through the institution node corresponding to the demand transaction order. And if the supplier staff does not agree with the signature transaction group, rejecting matching transaction information comprising rejecting transaction is returned to the transaction matching node through the institution node corresponding to the supply transaction order. In addition, the staff of the demand party can also modify the demand transaction order, and if the demand transaction order is modified, demand transaction order modification information can be returned to the transaction matching node through the mechanism node corresponding to the demand transaction order. The supply party staff can also modify the supply transaction order, and if the supply transaction order is modified, supply transaction order modification information can be returned to the transaction matching node through the mechanism node corresponding to the supply transaction order.

And S403, if the transaction order modification information returned by any institution node corresponding to the signature transaction group is not received within the negotiation time and the transaction rejection information returned by any institution node corresponding to the signature transaction group is not received, determining that the signature transaction group passes the transaction confirmation.

Specifically, if the transaction matching node does not receive that any institution node corresponding to the signature transaction group returns transaction order modification information within the negotiation time and does not receive that any institution node corresponding to the signature transaction group returns transaction rejection information, it may be determined that the signature transaction group passes transaction confirmation. It can be understood that if any institution node corresponding to the signature transaction group returns the information of refusing to match the transaction, the transaction matching node can record the failure of matching the signature transaction group, and disassemble the signature transaction group to carry out transaction matching again. And if the transaction matching node receives transaction list modification information returned by any mechanism node corresponding to the signature transaction group, the transaction matching node can record the matching failure of the signature transaction group, disassemble the signature transaction group, update the modified transaction list and perform transaction matching again. And the trade list modification information is supply trade list modification information or demand trade list modification information.

Fig. 5 is a schematic flow chart of a transaction matching method for a banking loan according to a fifth embodiment of the present invention, and as shown in fig. 5, on the basis of the foregoing embodiments, further, the storing a signature transaction group confirmed by a transaction on the main chain includes:

s501, if the signature transaction group is confirmed through transaction, broadcasting the signature transaction group to a main chain network to store and identify the signature transaction group;

specifically, after learning that the signature transaction group passes the transaction confirmation, the transaction matching node broadcasts the signature transaction group to a main chain network, each organization node may receive the signature transaction group and decrypt the signature transaction group, and other organization nodes corresponding to the signature transaction group may store and agree on the signature transaction group based on information obtained by decryption, and then return a storage agreement result to the transaction matching node, where the storage agreement result is agreement storage or disagreement storage.

For example, each organization node may decrypt the signature transaction group through the public key of the organization node corresponding to the signature transaction group, that is, decrypt the signature information of the requesting party included in the signature transaction group through the structural node corresponding to the request transaction order to obtain a first initial transaction group, decrypt the signature information of the supplying party included in the signature transaction group through the structural node corresponding to the supply transaction order to obtain a second initial transaction group, compare the first initial transaction group with the second initial transaction group, if the first initial transaction group is the same as the second initial transaction group, the obtained storage consensus result is the storage agreement, and if the first initial transaction group is different from the second initial transaction group, the obtained storage consensus result is the storage disagreement. And the public key of the organization node is preset and is broadcast to the main chain network in advance.

And S502, if the received number of the consensus results which are sent by the organization node and agree to be stored is judged to be larger than the set number, determining that the signature transaction group passes the storage consensus.

Specifically, the transaction matching node receives the stored consensus results returned by each organization node, counts the number of the stored consensus results including the agreement, and if the number of the transaction consensus results including the agreement is larger than a set number, determines that the signature transaction group is agreed by the storage. And if the number of the stored consensus results which are agreed to be stored is less than or equal to the set number, the transaction matching node can prompt that the stored consensus is failed.

On the basis of the foregoing embodiments, further, the transaction pairing rule includes:

the demand types of the two transaction orders are opposite and the transaction time ranges of the two transaction orders match.

Specifically, when the two transaction orders are paired, the transaction matching node compares the required types and the transaction time ranges of the two transaction orders, and if the required types of the two transaction orders are opposite and the transaction time ranges of the two transaction orders are matched, one transaction order is used as a required transaction order, and the other transaction order is used as a supply transaction order, so that an initial transaction group is formed. Wherein, the transaction time ranges of the two transaction orders are matched, which means that the latest time of the transaction time range of the supplied transaction order is in the transaction time range of the required transaction order.

For example, transaction order A includes the type of requirements: demand presenter, trade time horizon: 2021002-20220301; the transaction sheet B includes a requirement type: demand provider, trade time horizon: 2021002-20211231. The demand provider included in transaction order a and the demand provider included in transaction order B are of opposite demand type, the expiration date of the fund demand of transaction order a is 2022 years, 3 months and 1 days, the latest time of fund supply of transaction order B is 2021 years, 12 months and 31 days, before the expiration date of the fund demand of transaction order a and after the start date of the fund demand of transaction order a, and therefore, the transaction time range of transaction order a and transaction order B matches. Transaction order a and transaction order B may form an initial transaction group.

Fig. 6 is a schematic flow chart of a transaction matching method for a banking loan according to a sixth embodiment of the present invention, as shown in fig. 6, and further, the transaction list includes a credit of a demand party or a credit of a supply party on the basis of the above embodiments; accordingly, the method further comprises:

s601, if the first transaction list and the second transaction list form the initial transaction group, comparing the demand side line included in the first transaction list with the supply side line included in the second transaction list;

specifically, the transaction list includes a demand side limit or a supplier side limit, the demand side limit is financing amount of an organization corresponding to the transaction list of which the demand type is a demand submitting side, and the supplier side limit is loan amount of the organization corresponding to the transaction list of which the demand type is a demand supplying side. If the transaction matching node combines the first transaction list and the second transaction list into the initial transaction group, comparing the demand side amount included by the first transaction list with the supply side amount included by the second transaction list, if the demand side amount included by the first transaction list is equal to the supply side amount included by the second transaction list, splitting of the transaction list is not needed, and if the demand side amount included by the first transaction list is not equal to the supply side amount included by the second transaction list, splitting of the transaction list is needed.

S602, if the fact that the demand side limit included in the first transaction list is larger than the supply side limit included in the second transaction list is judged, a first new transaction list is generated based on the first transaction list, and the demand side limit included in the first new transaction list is equal to the demand side limit included in the first transaction list minus the supply side limit included in the second transaction list;

specifically, if the transaction matching node determines that the demand side amount included in the first transaction order is greater than the supplier side amount included in the second transaction order, the first transaction order needs to be split to generate a first new transaction order, the information of the first new transaction order, such as the organization identifier, the demand type, the interest rate, the transaction time range, the customer credit rating, and the like is the same as that of the first transaction order, and the demand side amount included in the first new transaction order is equal to the demand side amount included in the first transaction order minus the supplier side amount included in the second transaction order.

S603, if the fact that the demand side limit included in the first transaction list is smaller than the supply side limit included in the second transaction list is judged, a second new transaction list is generated based on the second transaction list, and the supply side limit included in the second new transaction list is equal to the supply side limit included in the second transaction list minus the demand side limit included in the first transaction list.

Specifically, if the transaction matching node determines that the demand side amount included in the first transaction order is smaller than the supply side amount included in the second transaction order, the second transaction order needs to be split to generate a second new transaction order, the information of the second new transaction order, such as the organization identifier, the demand type, the interest rate, the transaction time range, the customer credit rating, is the same as that of the second transaction order, and the demand side amount included in the second new transaction order is equal to the demand side amount included in the second transaction order minus the demand side amount included in the first transaction order.

On the basis of the above embodiments, further, the method for matching transactions of a banking loan provided by the embodiment of the present invention further includes:

the set of signed transactions identified by the transaction is stored on the backbone.

Specifically, after obtaining the signature transaction group passing through the transaction agreement, the transaction matching node may store the signature transaction group passing through the transaction agreement on the main chain, that is, block-wise encapsulate the signature transaction group passing through the transaction agreement, and upload and store the same. The specific process of performing block encapsulation on the signature transaction group identified by the transaction is the prior art, and is not described herein again.

The following describes the implementation process of the trade matching method for the banking loan provided by the embodiment of the invention through a specific business scenario example.

The Tanjin bank group has a pending quota of 100 ten thousand, the Chaoyang branch has a dominable quota of 30 ten thousand, and the Guangan branch has a dominable quota of 80 ten thousand. The Tanjin sends out a transaction sheet a through a corresponding organization node x, wherein the transaction sheet a comprises an organization identifier 00x, a demand proposing party, a demanding party quota of 100 ten thousand, a transaction time range 20210302-: to be matched. The Korean branch issues a transaction sheet B through a corresponding organization node y, wherein the transaction sheet B comprises an organization identifier 00y, a demand supplier, a supplier amount of 30 ten thousands, a transaction time range 20210302 and 20211231, a client credit rating level B and a transaction sheet state: to be matched. The Guangan branch bank issues a transaction order c through a corresponding organization node z, wherein the transaction order c comprises an organization identifier 00z, a demand supplier, a supplier amount 80 ten thousand, a transaction time range 20210302 and 20221231, a client credit rating B level and a transaction order state: to be matched.

And the transaction matching node d acquires the transaction order a, the transaction order b and the transaction order c. And then, the transaction sheet a and the transaction sheet b are paired through a transaction pairing rule, because the demand types of the transaction sheet a and the transaction sheet b are opposite, and the transaction time ranges of the transaction sheet a and the transaction sheet b are matched, the transaction sheet a and the transaction sheet b form an initial transaction group ab, the transaction sheet a is a demand transaction sheet, and the transaction sheet b is a supply transaction sheet. The transaction matching node d compares the demand side amount 100 ten thousand of the transaction order a with the supply side amount 30 thousand of the transaction order b, the demand side amount 100 ten thousand is greater than the supply side amount 30 ten thousand, then the transaction matching node d generates a transaction order p based on the transaction order a, the demand side amount of the transaction order p is equal to 70 ten thousand, and other information of the transaction order p is the same as that of the transaction order a. The transaction matching node d matches the transaction order p and the transaction order c through a transaction matching rule, the transaction order p and the transaction order c form an initial transaction group pc due to the fact that the demand types of the transaction order p and the transaction order c are opposite, the transaction time ranges of the transaction order p and the transaction order c are matched, the transaction order p is a demand transaction order, and the transaction order c is a supply transaction order. The transaction matching node d compares 70 ten thousand of demand party quota of the transaction order p with 80 thousand of supplier party quota of the transaction order c, 70 ten thousand of demand party quota is smaller than 80 ten thousand of supplier party quota, then the transaction matching node d generates a transaction order q based on the transaction order c, the supplier party quota of the transaction order q is equal to 10 ten thousand, and other information of the transaction order q is the same as the transaction order c. After the initial transaction group ab and the initial transaction group pc are obtained, 100 ten thousand pending allotment limits of the prospective kyoto are frozen, 30 ten thousand available limits of the sunny branch are frozen, 70 ten thousand available limits of the Guangmen branch are frozen, and the pending allotment limits and the available limits are frozen, so that the repeated use of funds can be avoided. The subsequent processing procedure of the initial transaction group pc is similar to the subsequent processing procedure of the initial transaction group ab, and the processing procedure of the initial transaction group ab is taken as an example for explanation.

And the transaction matching node d pushes the initial transaction group ab to the institution node x and the institution node y. And the organization node x signs the initial transaction group ab through a private key to obtain the signature information of the demand party, and then returns the signature information of the demand party to the transaction matching node d. Similarly, the institution node y signs the initial transaction group ab by a private key to obtain supplier signature information, and then returns the supplier signature information to the transaction matching node d. And the transaction matching node d obtains the signature information of the demand party and the signature information of the supply party as a signature transaction group ab, and then broadcasts the signature transaction group ab in the main-chain network.

Assuming that there are 100 organization nodes in the backbone network, the other organization nodes corresponding to the signature transaction group ab are 98 organization nodes except the organization node x and the organization node y. Each institution node in other institution nodes corresponding to the signature transaction group ab can decrypt the signature information of a demand party included in the signature transaction group ab according to the public key of the institution node x to obtain a first initial transaction group, can decrypt the signature information of a supply party included in the signature transaction group ab according to the public key of the institution node y to obtain a second initial transaction group, and if the first initial transaction group is the same as the second initial transaction group, the obtained transaction consensus result is that the transaction passes verification, and the transaction verification pass is carried in the transaction consensus result and returned to the transaction matching node d. The transaction matching node d receives the transaction consensus results returned by other organization nodes corresponding to the signature transaction group ab, counts the number of the transaction consensus results including the transaction verification passing, and if the number of the transaction consensus results including the transaction verification passing is larger than 49, the signature transaction group ab passes the transaction consensus.

The transaction matching node d sets the negotiation time of the signature transaction group ab to be 1 hour and sets the execution state of the signature transaction group ab to be in matching, and then the signature transaction group ab is pushed to the organization node x and the organization node y. And the organization node x can display the signature transaction group ab for the staff of the demand party to confirm, and prompt the negotiation time of the signature transaction group ab to be 10 minutes. The organization node y can show the signature transaction group ab for the supplier staff to confirm, and prompt the negotiation time of the signature transaction group ab to be 10 minutes, and the supplier staff can return the agreement matching transaction information to the transaction matching node d through the organization node y.

If the transaction matching node d receives the agreement matching transaction information returned by the institution node x and receives the agreement matching transaction information returned by the institution node y, the signature transaction group ab can be determined to pass the transaction confirmation, and the execution state of the signature transaction group ab can be set to be matching completion. And then broadcasting the signature transaction group ab to the main-chain network for storage consensus of 100 mechanism nodes in the main-chain network. And if the transaction matching node d receives the consensus result that more than 50 mechanism nodes return agreement to store, the signature transaction group ab confirmed by the transaction is packaged in a blocking mode and written into the main chain.

The execution state of the signature transaction group can be synchronized into the transaction lists of each organization node, the transaction lists with the execution state of matching and the transaction lists with the execution state of matching can not be subjected to transaction pairing, and repeated acquisition of the transaction lists can be avoided through the execution state.

Each mechanism can use parallel chain technology to build own parallel chain, nodes can be deployed independently, and the parallel chain and the main chain keep independent and connected relation. The next parallel chain under the main chain has own state machine and original transaction data, and the node information can be traced back by any participant. The main chain can perform cross-chain operation on parallel chains, so that a chain ecosystem is formed, and the calculation performed by the parallel chains is independent in nature but connected together. The clear isolation boundary lines are arranged among the parallel chains, all transactions can be executed immediately without worrying about conflict with other chains, and by means of the characteristics of the parallel chains, the information is guaranteed to be public and transparent, the bidirectional matching is realized, and the matching efficiency is greatly improved.

Compared with the matching service of the bank loan in the prior art, the transaction matching method of the bank loan provided by the embodiment of the invention has the following advantages:

(1) the problem of manual matching or one-way matching under the current banking group line is solved. By utilizing the technical characteristics of parallel chains, each branch in a row deploys the parallel chains independently, a transaction list is issued to a transaction matching node for multi-node concurrent processing, bidirectional matching is completed, the transaction matching rule replaces the current reference credit line inquiry and screening link, and the matching efficiency is improved.

(2) Efficiently and comprehensively allocating internal and external credit resources. The method effectively adjusts the shortages of credit resources and scales of each branch at different time points, fully utilizes business resources, quickly meets the client loan requirements, and realizes the optimal allocation of resources.

(3) The problem of the existing information asymmetry between the lead lines and the reference credit lines is solved. Establishing a docking channel among all organizations, providing matching information for member lines of the banking community, completing the conversion of a matching selection channel from point to the opposite, realizing the ordered docking of resources, reducing the searching and waiting time of both matching parties, and improving the efficiency and success rate of matching transaction;

(4) the management mode of the intra-bank loan group and credit asset transaction service is optimized, the systematization, automation and high-efficiency degree of the intra-bank loan and asset transaction service is improved, and the electronization, platformization and publicization of the intra-bank loan group and management are realized.

Fig. 7 is a schematic structural diagram of a transaction matching device for a banking loan, provided in a seventh embodiment of the present invention, as shown in fig. 7, the transaction matching device for the banking loan provided in the embodiment of the present invention includes an obtaining module 701, a traversing module 702, a pushing module 703, a broadcasting module 704, a transaction confirming module 705, and a transaction storing module 706, where:

the acquisition module 701 is configured to acquire a transaction order issued by each organization node, where the transaction order includes an organization identifier, a requirement type, and a transaction time range; the mechanism identifiers correspond to the mechanism nodes one to one; the traversal module 702 is configured to traverse each transaction order, and obtain at least one initial transaction group according to the requirement type, the transaction time range, and the transaction pairing rule; wherein the initial transaction group includes a demand transaction sheet and a supply transaction sheet; the transaction pairing rules are preset; the pushing module 703 is configured to push each initial transaction group to a corresponding organization node according to an organization identifier included in each initial transaction group, and receive signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group; the broadcasting module 704 is configured to broadcast each signature transaction group into the main-chain network to perform transaction consensus on each signature transaction group, so as to obtain a signature transaction group passing the transaction consensus; wherein the signed transaction group includes signature information of the initial transaction group; the transaction confirmation module 705 is configured to perform transaction confirmation on the signature transaction group identified by the transaction, and obtain the signature transaction group confirmed by the transaction; the transaction storage module 706 is used to store the set of signed transactions validated by the transaction onto the backbone.

Specifically, the institution serving as the lead bank loan may issue a transaction order through the institution node, where the transaction order may include information such as institution identification, demand type, demand party amount, transaction time range, client credit rating, and transaction order status, where the demand type is a demand provider, and the demand party amount is equal to the total financing amount of the bank minus the amount credited by the lead bank, that is, the total amount distributed to other members of the bank loan. Each organization can issue a transaction order through the organization node, the transaction order can comprise information such as organization identification, demand type, provider limit, transaction time range, client credit rating, transaction order state and the like, and the demand type is the demand provider. The obtaining module 701 may receive a transaction order issued by each organization node. And the mechanism identification corresponds to the mechanism node one to one.

The traversing module 702 traverses each transaction order, pairs each transaction order according to the requirement type, the transaction time range and the transaction pairing rule, and obtains a plurality of initial transaction groups, wherein each initial transaction group includes a requirement transaction order and a supply transaction order. The demand transaction sheet is a transaction sheet issued by a leading bank, and the demand type is a demand provider; the demand type of the supply transaction sheet is a demand supplier. The transaction pairing rule is preset and is set according to actual needs, and the embodiment of the invention is not limited.

For each initial transaction group, the pushing module 703 obtains the institution identification of the demand transaction order and the institution identification of the supply transaction order from the demand transaction order and the supply transaction order included in the initial transaction group, and then pushes the initial transaction group to the institution node corresponding to the institution identification of the demand transaction order and the institution node corresponding to the institution identification of the supply transaction order. After receiving the initial transaction group, the institution node corresponding to the institution identifier of the demand transaction order may sign the received initial transaction group through a private key to obtain signature information of the demand party, and then return the signature information of the demand party to the push module 703. Similarly, after receiving the initial transaction group, the institution node corresponding to the institution identifier of the supply transaction ticket may sign the received initial transaction group through a private key to obtain supplier signature information, and then return the supplier signature information to the push module 703. The pushing module 703 receives the signature information of the demand party corresponding to the demand transaction order and the signature information of the supply party corresponding to the supply transaction order as the signature information of the initial transaction group. The transaction matching node continuously repeats the process, and signature information of each initial transaction group can be obtained.

The broadcasting module 704 broadcasts each signature transaction group to the main-chain network, so that each organization node in the main-chain network performs transaction consensus on each signature transaction group, each organization node returns a transaction consensus result to the broadcasting module 704, and the broadcasting module 704 judges whether each signature transaction group passes the transaction consensus or not based on the transaction consensus result returned by each organization node, so as to obtain the signature transaction group passing the transaction consensus. Wherein the signed transaction group includes signature information for the initial transaction group. The consensus mechanism adopted by the transaction consensus is set according to actual needs, and the embodiment of the invention is not limited.

The transaction confirmation module 705 sends the signature transaction group passing the transaction consensus to the corresponding organization node for transaction confirmation, and obtains the signature transaction group passing the transaction confirmation based on the transaction confirmation result of the signature transaction group passing the transaction consensus.

After obtaining the signature transaction group confirmed by the transaction, the transaction storage module 706 performs storage consensus on the signature transaction group confirmed by the transaction through a storage consensus mechanism, and stores the signature transaction group confirmed by the storage consensus on the main chain in the form of blocks. The storage consensus mechanism is preset and is set according to actual needs, and the embodiment of the invention is not limited.

The transaction matching device for the banking loan, provided by the embodiment of the invention, can obtain transaction lists which are issued by each organization node and comprise organization identifications, demand types and transaction time ranges, traverse each transaction list, obtain at least one initial transaction group according to the demand types, the transaction time ranges and transaction matching rules, push each initial transaction group to the corresponding organization node according to the organization identifications of each initial transaction group, receive signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group, broadcast each signature transaction group to a main chain network to carry out transaction consensus on each signature transaction group, obtain signature transaction groups passing the transaction consensus, carry out transaction confirmation on the signature transaction groups passing the transaction consensus, obtain signature transaction groups passing the transaction confirmation, store the signature transaction groups passing the transaction confirmation to the main chain, the two-way match of the bank loan is realized, the searching and waiting time of both parties is reduced, and the transaction efficiency of the bank loan is improved.

Fig. 8 is a schematic structural diagram of a transaction matching apparatus for a banking loan according to an eighth embodiment of the present invention, and as shown in fig. 8, on the basis of the foregoing embodiments, further, the broadcasting module 704 includes a first broadcasting unit 7041 and a determining unit 7042, where:

a first broadcasting unit 7041 is configured to broadcast the signature transaction group into a backbone network, so that other organization nodes corresponding to the signature transaction group agree on the signature transaction group; wherein, the other organization nodes corresponding to the signature transaction group are the organization nodes except the organization nodes corresponding to the signature transaction group in the main chain network; determining unit 7042 is configured to determine that the signature transaction group passes the transaction consensus after it is determined that the number of the received transaction consensus results including the transaction verification passing that are returned by other organization nodes corresponding to the signature transaction group is greater than a preset number.

Fig. 9 is a schematic structural diagram of a transaction matching device for a banking loan according to a ninth embodiment of the present invention, and as shown in fig. 9, on the basis of the foregoing embodiments, further, the transaction confirmation module 705 includes a setting unit 7051, a pushing unit 7052, and a receiving unit 7053, where:

setting unit 7051 is configured to set negotiation time for the signature transaction group after it is known that the signature transaction group passes the transaction consensus; the pushing unit 7052 is configured to push the signature transaction group and the negotiation time of the signature transaction group to a corresponding organization node, so that the organization node corresponding to the signature transaction group performs transaction confirmation; the receiving unit 7053 is configured to determine that the signature transaction group passes the transaction confirmation after failing to receive that any institution node corresponding to the signature transaction group returns the transaction order modification information and failing to receive that any institution node corresponding to the signature transaction group returns the information of rejecting the matched transaction within the negotiation time.

Fig. 10 is a schematic structural diagram of a transaction matching apparatus for a banking loan according to a tenth embodiment of the present invention, and as shown in fig. 10, on the basis of the foregoing embodiments, further, the transaction storage module 706 includes a second broadcasting unit 7061 and a determining unit 7062, where:

the second broadcasting unit 7061 is configured to broadcast the signature transaction group to the main-chain network to perform storage consensus on the signature transaction group after it is known that the signature transaction group passes the transaction confirmation; the judging unit 7062 is configured to determine that the signature transaction group passes the storage consensus after judging that the received number of consensus results agreeing to be stored sent by the institution node is greater than the set number.

Fig. 11 is a schematic structural diagram of a transaction matching device for a banking loan according to an eleventh embodiment of the invention, as shown in fig. 11, and further, the transaction list includes a demand side amount or a supply side amount based on the above embodiments; correspondingly, the transaction matching device for the banking loan provided by the embodiment of the present invention further includes a comparison module 707, a first determination module 708, and a second determination module 709, where:

the comparison module 707 is configured to compare a demand side amount included in the first transaction order with a supply side amount included in the second transaction order after the first transaction order and the second transaction order are combined into the initial transaction group; the first judging module 708 is configured to generate a first new transaction sheet based on the first transaction sheet after judging that the amount of the demand party included in the first transaction sheet is greater than the amount of the supply party included in the second transaction sheet, where the amount of the demand party included in the first new transaction sheet is equal to the amount of the demand party included in the first transaction sheet minus the amount of the supply party included in the second transaction sheet; the second determining module 709 is configured to generate a second new transaction list based on the second transaction list after determining that the demand side amount included in the first transaction list is smaller than the supplier side amount included in the second transaction list, where the supplier side amount included in the second new transaction list is equal to the supplier side amount included in the second transaction list minus the demand side amount included in the first transaction list.

Fig. 12 is a schematic structural diagram of a trade matching apparatus for a banking loan according to a twelfth embodiment of the present invention, and as shown in fig. 12, on the basis of the foregoing embodiments, further, the trade matching apparatus for a banking loan according to the embodiment of the present invention further includes a signature storage module 710, where:

the signature storage module 710 is used to store the signature transaction group agreed upon by the transaction onto the backbone.

The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the apparatus are not described herein again, and refer to the detailed description of the above method embodiments.

Fig. 13 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 13, the electronic device may include: a processor (processor)1301, a communication Interface (Communications Interface)1302, a memory (memory)1303, and a communication bus 1304, wherein the processor 1301, the communication Interface 1302, and the memory 1303 complete communication with each other via the communication bus 1304. Processor 1301 may call logic instructions in memory 1303 to perform the following method: acquiring a transaction order issued by each organization node, wherein the transaction order comprises an organization identifier, a demand type and a transaction time range; the mechanism identifiers correspond to the mechanism nodes one to one; traversing each transaction order, and obtaining at least one initial transaction group according to the requirement type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction sheet and a supply transaction sheet; the transaction pairing rules are preset; pushing each initial transaction group to a corresponding organization node according to the organization identification included in each initial transaction group, and receiving signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group; broadcasting each signature transaction group into a main chain network to carry out transaction consensus on each signature transaction group, and obtaining signature transaction groups passing the transaction consensus; wherein the signed transaction group includes signature information of the initial transaction group; performing transaction confirmation on the signature transaction group identified by the transaction to obtain the signature transaction group confirmed by the transaction; the set of signed transactions validated by the transaction is stored on the backbone.

In addition, the logic instructions in the memory 1303 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: acquiring a transaction order issued by each organization node, wherein the transaction order comprises an organization identifier, a demand type and a transaction time range; the mechanism identifiers correspond to the mechanism nodes one to one; traversing each transaction order, and obtaining at least one initial transaction group according to the requirement type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction sheet and a supply transaction sheet; the transaction pairing rules are preset; pushing each initial transaction group to a corresponding organization node according to the organization identification included in each initial transaction group, and receiving signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group; broadcasting each signature transaction group into a main chain network to carry out transaction consensus on each signature transaction group, and obtaining signature transaction groups passing the transaction consensus; wherein the signed transaction group includes signature information of the initial transaction group; performing transaction confirmation on the signature transaction group identified by the transaction to obtain the signature transaction group confirmed by the transaction; the set of signed transactions validated by the transaction is stored on the backbone.

The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: acquiring a transaction order issued by each organization node, wherein the transaction order comprises an organization identifier, a demand type and a transaction time range; the mechanism identifiers correspond to the mechanism nodes one to one; traversing each transaction order, and obtaining at least one initial transaction group according to the requirement type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction sheet and a supply transaction sheet; the transaction pairing rules are preset; pushing each initial transaction group to a corresponding organization node according to the organization identification included in each initial transaction group, and receiving signature information of the initial transaction group returned by the organization node corresponding to each initial transaction group; broadcasting each signature transaction group into a main chain network to carry out transaction consensus on each signature transaction group, and obtaining signature transaction groups passing the transaction consensus; wherein the signed transaction group includes signature information of the initial transaction group; performing transaction confirmation on the signature transaction group identified by the transaction to obtain the signature transaction group confirmed by the transaction; the set of signed transactions validated by the transaction is stored on the backbone.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

Claims

1. A transaction matching method for a banking loan is characterized by comprising the following steps:

2. The method of claim 1, wherein broadcasting each signature transaction group into the backbone network for transaction consensus on each signature transaction group, obtaining signature transaction groups that agree through a transaction comprises:

broadcasting the signature transaction group to a main chain network so that other organization nodes corresponding to the signature transaction group agree on the signature transaction group; wherein, the other organization nodes corresponding to the signature transaction group are the organization nodes except the organization nodes corresponding to the signature transaction group in the main chain network;

and if the number of the received transaction consensus results including the transaction verification passing returned by other mechanism nodes corresponding to the signature transaction group is judged to be larger than the preset number, determining that the signature transaction group passes the transaction consensus.

3. The method of claim 1, wherein the transaction validation of the signed transaction group agreed upon by the transaction, obtaining the signed transaction group validated by the transaction comprises:

if the signature transaction group is known to pass the transaction consensus, setting negotiation time for the signature transaction group;

pushing the signature transaction group and the negotiation time of the signature transaction group to the corresponding organization node so as to ensure that the organization node corresponding to the signature transaction group carries out transaction confirmation;

and if the transaction order modification information returned by any mechanism node corresponding to the signature transaction group is not received within the negotiation time and the transaction rejection information returned by any mechanism node corresponding to the signature transaction group is not received, determining that the signature transaction group passes the transaction confirmation.

4. The method of claim 1, wherein storing the signed transaction group validated by the transaction on the backbone comprises:

if the signature transaction group is confirmed through transaction, broadcasting the signature transaction group to a main chain network to store and identify the signature transaction group;

and if the received number of the consensus results which are sent by the organization node and agree to be stored is larger than the set number, determining that the signature transaction group passes the storage consensus.

5. The method of claim 1, wherein the transaction pairing rules comprise:

6. The method of claim 1, wherein the transaction sheet includes a requester credit or a supplier credit; accordingly, the method further comprises:

if the first transaction list and the second transaction list form the initial transaction group, comparing the demand side limit included in the first transaction list with the supply side limit included in the second transaction list;

if the fact that the demand side limit included in the first transaction list is larger than the supply side limit included in the second transaction list is judged, a first new transaction list is generated based on the first transaction list, and the demand side limit included in the first new transaction list is equal to the demand side limit included in the first transaction list minus the supply side limit included in the second transaction list;

and if the demand side limit included in the first transaction list is judged to be smaller than the supplier side limit included in the second transaction list, generating a second new transaction list based on the second transaction list, wherein the supplier side limit included in the second new transaction list is equal to the supplier side limit included in the second transaction list minus the demand side limit included in the first transaction list.

7. The method of any of claims 1 to 6, further comprising:

8. A transaction matching apparatus for a banking loan, comprising:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 7 are implemented when the computer program is executed by the processor.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.