CN114066451A - Method and system for managing fund transaction and electronic equipment - Google Patents
Method and system for managing fund transaction and electronic equipment Download PDFInfo
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Abstract
The application discloses a method and a system for managing fund transactions and an electronic device. The method comprises the following steps: the asset management platform acquires fund transaction data, wherein the fund transaction data comprises data obtained by respectively utilizing a first fund account private key and a second fund account private key to perform data signature on data generated by the fund transaction parties of the financing project in the process of executing the fund transaction; the asset management platform initiates a verification service request for calling the intelligent contract to the blockchain system, wherein the verification service request comprises fund transaction data; the blockchain system executes an intelligent contract in response to the verification service request based on the fund transaction data to verify authenticity of the fund transaction data using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key and the second fund account private key corresponds to the second fund account private key.
Description
Technical Field
The application relates to the technical field of computers, in particular to a method and a system for managing fund transactions and electronic equipment.
Background
In the process of asset management, from asset formation to asset storage and finally to asset clearing, the whole fund flow is always the first thing concerned by all parties, and if the whole fund flow is transparent and credible, the fund management cost can be reduced and the asset value can be ensured. Therefore, how to make the entire fund flow to transparent credibility is an important issue of asset management.
Disclosure of Invention
In view of this, the present application provides a method and a system for managing fund transactions, and an electronic device, which can enable the whole fund flow to be transparent and credible, thereby reducing the fund management cost and ensuring the asset value.
In a first aspect, there is provided a method of managing a funds transaction, comprising: the method comprises the steps that an asset management platform obtains fund transaction data, wherein the fund transaction data comprise data obtained by data signing of data generated by first fund account private keys and second fund account private keys of fund transaction parties of financing projects in a fund transaction executing process; the asset management platform initiates a verification service request for invoking an intelligent contract to a blockchain system, wherein the verification service request comprises the fund transaction data; the blockchain system executes the intelligent contract based on the fund transaction data in response to the verification service request to perform authenticity verification on the fund transaction data by using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key.
In a second aspect, there is provided a system for managing funds transactions, comprising: the acquisition module is configured to acquire fund transaction data from the asset management platform, wherein the fund transaction data comprises data obtained by data signing of data generated by first and second fund account private keys respectively by fund transaction parties of a financing project in the process of executing fund transaction; a request module configured to initiate, by the asset management platform, a verification service request to invoke an intelligent contract to a blockchain system, wherein the verification service request includes the fund transaction data; a verification module configured to execute, by the blockchain system in response to the verification service request, the smart contract based on the fund transaction data to perform authenticity verification on the fund transaction data using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key and the second fund account private key corresponds to the second fund account private key.
In a third aspect, an electronic device is provided, comprising a memory having executable code stored therein and a processor configured to execute the executable code to implement the method according to the first aspect.
In a fourth aspect, there is provided a computer readable storage medium having stored thereon executable code which, when executed, is capable of implementing a method as in the first aspect.
In a fifth aspect, there is provided a computer program product comprising executable code which, when executed, is capable of implementing the method of the first aspect.
According to the embodiment of the application, the asset management platform is established among the participants of the financing project, and the authenticity verification is carried out on the fund transaction among the participants by using the block chain technology and the asymmetric encryption cryptography technology through the asset management platform, so that the whole fund flow is transparent and credible in the fund transaction process, the fund management cost can be reduced, and the asset value can be ensured. In addition, the authenticity verification of the fund transaction is realized based on the block chain technology and the asymmetric encryption cryptography technology, so that the identity of the participating party of the financing project can be verified to ensure the integrity of the fund transaction data, and the participating party of the financing project can not deny the fund transaction data submitted by the participating party of the financing project afterwards, so that the problems of transparency and credibility of the fund transaction data are solved.
Drawings
Fig. 1 is a diagram of an exemplary system framework according to an embodiment of the present application.
FIG. 2 is a flow chart illustrating a method for managing funds transactions according to an embodiment of the present application.
FIG. 3 is a flow chart illustrating a method for managing funds transactions according to another embodiment of the present application.
FIG. 4 is a flow chart illustrating a method for managing funds transactions according to yet another embodiment of the present application.
FIG. 5 is a flow chart illustrating a method for managing funds transactions according to yet another embodiment of the present application.
FIG. 6 is a flow chart illustrating a method for managing funds transactions according to yet another embodiment of the present application.
FIG. 7 is a block diagram of a system for managing funds transactions provided in accordance with one embodiment of the present application.
Fig. 8 is a block diagram of an electronic device provided in an embodiment of the present application.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this application and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items. It should also be understood that the word "if" as used herein may be interpreted as "at … …" or "at … …" or "in response to a determination," depending on the context.
In the process of asset management, the whole fund flow relates to a plurality of transaction parties, such as original rights beneficiaries, managers or investors, how to make the whole process transparent and credible can reduce the fund management cost and ensure the asset value is an important problem of asset management, and the important problem is that whether the original rights beneficiaries take expected payments or not and whether the investors can take expected profits or not.
For example, in the case of a trusts plan fund withdrawal transaction, the original right beneficiary transfers the withdrawal fund from the withdrawal account to the trusts supervision account, and the trusts need to confirm the withdrawal fund in the supervision bank, transfer the fund from the supervision account to the trusts collection account, and transfer the fund to the investors after a certain time. However, the whole process is costly for the trust manager to manage and communicate, and for the investor, except for the final income of the investment, the investor cannot know whether the trust crisis exists in the middle series of fund flows.
In order to solve the above problems, in the embodiments of the present application, an asset management platform is established among original rights beneficiaries, managers and investors among participants of a financing project, so that the authenticity of a fund transaction among the original rights beneficiaries, the managers and the investors is verified by the asset management platform by using a blockchain technology and an asymmetric encryption cryptography technology, so that the whole fund flow is transparent and credible in the fund transaction process, thereby reducing the fund management cost and ensuring the asset value. Therefore, the management and communication cost of the trust managers is reduced, and the trust crisis caused by the fact that the investors cannot know a series of fund flows in the middle is avoided.
In addition, the authenticity verification of the fund transaction is realized based on the block chain technology and the asymmetric encryption cryptography technology, so that the identity of the participating party of the financing project can be verified to ensure the integrity of the fund transaction data, and the participating party of the financing project can not deny the fund transaction data submitted by the participating party of the financing project afterwards, so that the problems of transparency and credibility of the fund transaction data are solved.
The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.
The blockchain may provide the functionality of an intelligent contract. An intelligent contract on a blockchain system is a contract that can be executed on the blockchain system triggered by a transaction. The intelligent contracts may be defined in the form of code, for example, the intelligent contracts deployed on a blockchain system may be in the form of bytecode.
After a Transaction (Transaction) containing information for creating the intelligent contract is sent to the Ethernet lane network, each node can execute the Transaction in the Ethernet lane virtual machine. Specifically, a developer writes an intelligent contract using an intelligent contract programming language (e.g., solid), the intelligent contract is compiled by a compiler to generate an ethernet virtual machine bytecode which can be deployed on a blockchain system, and after agreement is achieved among nodes through a consensus mechanism, the ethernet virtual machine bytecode is stored on the ethernet blockchain, that is, the intelligent contract is sent to all devices connected to the ethernet blockchain, and the intelligent contract is successfully created.
When the user in the Ethernet network calls the intelligent contract, the user directly sends 'transaction' to the address of the intelligent contract and declares the name and parameters of the called function, so that the intelligent contract executes corresponding logic.
In the embodiment of the application, one financing project corresponds to one intelligent contract, and the fund account information is different for different financing projects, that is, the first fund account public key in one financing project is different from the first fund account public key in another financing project, and the second fund account public key in one financing project is different from the second fund account public key in another financing project.
Parameters (such as the first fund account public key and the second fund account public key) required for invoking the intelligent contract are stored in the blockchain system in the form of state variables of the intelligent contract, and therefore, the intelligent contract with different state variables is deployed in the blockchain system.
Asymmetric encryption refers to encryption and decryption using two different keys, a public key (public key for short) and a private key (private key for short). The information encrypted by the public key can be decrypted only by the corresponding private key. Otherwise, the information encrypted by the private key can be decrypted only by the corresponding public key. In the embodiment of the application, the data is signed by using the private key, and the signed data is verified by using the corresponding public key.
The system framework for managing funds transactions provided by embodiments of the present application is illustrated in greater detail below with reference to FIG. 1.
As shown in fig. 1, a system for managing funds transaction provided by an embodiment of the present application may include an asset management platform 110, an enterprise platform 120, an administrative bank 130, and a blockchain system 140.
The asset management platform 110 may be an external server with respect to the blockchain system 140, and may perform data interaction with the blockchain system 140, which is not specifically limited in this embodiment of the present invention, and the asset management platform 110 may also be a platform based on the blockchain system 140, and exists as a blockchain node of the blockchain system 140. The asset management platform 110 can obtain the relevant data from the blockchain system 140 and can also store the relevant data on the blockchain system 140.
The asset management platform 110 may interface original rights beneficiaries, managers, and investors who access the asset management platform 110 through web pages provided for them by the asset management platform 110 and/or through clients.
For example, original stakeholders and managers register and create a financing project as a financial asset on the asset management platform 110. Specifically, the original beneficiary initiates a financing application of the financing project on the asset management platform 110 and uploads a fund plan of the financing project, such as a repayment plan or a repayment plan, the manager reviews the financing application on the asset management platform 110, after the review is passed, the asset management platform 110 creates the financing project, the manager uploads fund account information of the financing project on the asset management platform 110, including a first fund account public key and a second fund account public key, and in addition, the manager may also upload the fund plan of the financing project, such as a loan plan.
As another example, the investor may initiate a query request for transaction details for the financing project on the asset management platform 110, and the asset management platform 110, in response to the query request, obtains transaction details for the verified fund transaction data from the blockchain system 140 and sends the transaction details to the investor.
As another example, the asset management platform 110 may monitor transaction details of the verified fund transaction data stored on the blockchain system 140, and send a notification message of the fund abnormality notification to the administrator when the transaction details are abnormal.
In some embodiments, asset management platform 110 uploads the funding account information (i.e., the first funding account public key and the second funding account public key) to blockchain system 140. In other embodiments, the original beneficiary, the administrator, and the investor may open corresponding chain accounts on the blockchain system 140 through the asset management platform 110, for example, the administrator may open a chain of administrator accounts on the blockchain system 140, and the administrator uploads the funding account information (i.e., the first funding account public key and the second funding account public key) on the asset management platform 110 to the blockchain system 140 through the chain of administrator accounts.
The first and second fund account public keys are stored in blockchain system 140 in the form of state variables in the intelligent contract, and blockchain system 140 generates the intelligent contract based on the first and second fund account public keys. Thus, only the administrator is able to operate on the intelligent contract for the financing program, i.e., modify the first and second financial account public keys in the intelligent contract.
The enterprise platform 120 and the administrative bank 130 may serve as both parties of a fund transaction for financing items, the enterprise platform 120 refers to an application or a server providing a fund transfer transaction service for an original beneficiary, an administrator or an investor to initiate a fund transfer transaction, and the administrative bank 130 serves as an execution subject of the fund transfer transaction to implement the fund transfer. The enterprise platform 120 may communicate with the asset management platform 110 and the administrative bank 130.
For example, the original beneficiary, manager or investor initiates a fund transaction operation on the enterprise platform 120, the enterprise platform 120 initiates a fund transaction transfer request in response to the fund transaction operation, digitally signs the fund transaction transfer request using a first fund account private key, sends the signed fund transaction transfer request to the bank 130, the supervising bank 130 verifies the authenticity of the signed fund transaction transfer request using a first fund account public key corresponding to the first fund account private key, executes the fund transfer transaction and returns a fund transaction result corresponding to the fund transfer transaction after confirming that the signed fund transaction transfer request is the fund transfer transaction initiated by the enterprise platform 120, and simultaneously, data signs the fund transaction result using a second fund account private key. Then, the supervising bank 130 sends the signed fund transaction result to the enterprise platform 120, and the enterprise platform 120 may confirm that the fund transaction is successful when receiving the signed fund transaction result sent by the supervising bank 130, that is, only when the supervising bank 130 returns the signed fund transaction result to the enterprise platform 120, the fund transaction is successful. Finally, the enterprise platform 120 sends the signed funds transaction transfer request and the signed funds transaction result, i.e., the funds transaction data in the present application, to the asset management platform 110.
After asset management platform 110 receives the signed fund transaction transfer request and the signed fund transaction result sent by enterprise platform 120, it initiates a verification service request for invoking an intelligent contract to blockchain system 140 to implement a verification service of the fund transaction through the intelligent contract on blockchain system 140, that is, it performs authenticity verification on the fund transaction transfer request by using a first fund account public key stored on blockchain system 140 and performs authenticity verification on the fund transaction result by using a second fund account public key stored on blockchain system 140. The verified funds transaction transfer request and the verified funds transaction results (i.e., verified funds transaction data) will be stored in the blockchain system 140.
In addition, the asset management platform 110 may monitor the fund plan of the financing project, determine whether the verified fund transaction data conforms to the fund plan, send a reminding message of the fund abnormality notification to the original rights beneficiary when the verified fund transaction data does not conform to the fund plan, for example, when the verified fund transaction data does not conform to a withdrawal plan or a repayment plan, send a reminding message of the fund abnormality notification to the administrator when the verified fund transaction data does not conform to the withdrawal plan, and of course, directly send the reminding message of the fund abnormality notification to the investor when the verified fund transaction data does not conform to the withdrawal plan.
According to the embodiment of the application, through the public transparent characteristic of the intelligent contract on the blockchain system, the approval of each participant to the fund account information (namely, the first fund account public key and the second fund account public key) is ensured, and meanwhile, the authenticity of the fund transaction is verified by utilizing the digital signature characteristic. The enterprise platform 120 digitally signs the fund transaction transfer request using the first fund account private key, the signed fund transaction transfer request can be verified by the first fund account public key stored on the blockchain system 140, and the administrative bank 130 digitally signs the fund transaction result using the second fund account private key, and the obtained signed fund transaction result can be verified by the second fund account public key stored on the blockchain system 140 (that is, any data in the whole fund flow direction is tampered, which may result in verification failure), so that the credibility of the investor for the transaction details in the fund transaction data can be increased.
The verified fund transaction data is stored in the blockchain system 140 for deposit, and the verified fund transaction data is attached with the digital signatures of the enterprise platform 120 and the supervision bank 130, so that the verified fund transaction data is the original data confirmed by the enterprise platform 120 and the supervision bank 130 by using the characteristic that the data on the blockchain system 140 can be traced and cannot be tampered as long as the digital signature passes verification, and the management and communication cost of a manager is reduced. By combining the intelligent contract with the chain verification function of the fund transaction data, the verified fund transaction data on the blockchain system 140 is ensured to be accompanied by identity verification information, and meanwhile, the integrity and the non-repudiation characteristic of the verified fund transaction data are ensured.
The system for managing funds transactions provided by embodiments of the present application is illustrated in detail above in connection with FIG. 1. The method for managing funds transaction according to the embodiment of the present application will be described in detail with reference to fig. 2 to 6.
FIG. 2 is a flow chart illustrating a method for managing funds transactions according to an embodiment of the present application. As shown in fig. 2, the method includes the following steps.
At step S210, the asset management platform obtains funds transaction data. The fund transaction data comprises data obtained by respectively utilizing the first fund account private key and the second fund account private key to carry out data signature on the data generated by the fund transaction parties of the financing item in the process of executing the fund transaction.
In some embodiments, the two parties of the fund transaction may refer to the enterprise platform 120 and the supervising bank 130, and the enterprise platform 120 and the supervising bank 130 perform data signing on the data generated by the respective parties in the process of executing the fund transaction in the manner shown in fig. 1, that is, the enterprise platform 120 performs data signing on the fund transaction transfer request by using the first fund account private key, and the supervising bank 130 performs data signing on the fund transaction result generated by executing the fund transaction transfer request by using the second fund account private key.
Thus, the funds transaction data includes the funds transaction transfer request and the funds transaction result. The asset management platform 110 may communicate with the enterprise platform 120 and the administrative bank 130, respectively, to obtain a fund transaction transfer request and a fund transaction result, or, in the manner shown in fig. 1, the enterprise platform 120 communicates with the administrative bank 130, and after the enterprise platform 120 obtains the fund transaction result, the asset management platform 110 communicates with the enterprise platform 120 to obtain the fund transaction transfer request and the fund transaction result.
In other embodiments, the funds transaction parties may also refer to the asset management platform 110 and the administrative bank 130. At this time, the original beneficiary, manager or investor initiates a fund transaction operation on the asset management platform 110, the asset management platform 110 initiates a fund transaction transfer request in response to the fund transaction operation, and the asset management platform 110 performs data signature on the fund transaction transfer request by using the first fund account private key. At this time, the asset management platform 110 directly communicates with the supervising bank 130 to send the signed fund transaction transfer request to the supervising bank 130, and the supervising bank 130 performs data signing on the fund transaction result generated by executing the fund transaction transfer request by using the second fund account private key in the manner shown in fig. 1.
Thus, the asset management platform 110 may obtain the funds transaction results from the administrative bank 130 on the one hand, and the funds transaction data via the funds transaction transfer requests generated by itself on the other hand.
Of course, the electronic devices used by the participants of the financing program may individually act as blockchain nodes on the blockchain system 140 that communicate directly with the administrative bank 130 to obtain signed fund transaction results.
However, it should be noted that, the manner of obtaining the fund transaction data is not particularly limited in the embodiments of the present application, and those skilled in the art may make different selections according to actual needs.
The participants of the financing project may be original rights beneficiaries, managers or investors, and the fund transaction of the financing project may be, for example, a transfer transaction in which the managers make funds for deposit, or a transfer transaction in which the original rights beneficiaries make funds for withdrawal or repayment. That is, the type of funding transaction for a financing item may vary from party to party, resulting in different funding transaction data.
At step S220, the asset management platform initiates an authentication service request to the blockchain system that invokes the intelligent contract. The funds transaction data is included in the verification service request, that is, the asset management platform 110, while requesting the blockchain system 140 to invoke the intelligent contract, also uploads the funds transaction data to the blockchain system 140 so that the blockchain system 140 executes the intelligent contract based on the funds transaction data to complete the authenticity verification of the funds transaction data on the chain.
The intelligent contracts on blockchain system 140 are also different for different financing projects, that is, the intelligent contracts on blockchain system 140 that are invoked are also different for different financing projects.
In step S230, the blockchain system executes the smart contract based on the fund transaction data in response to the authentication service request to perform authenticity verification on the fund transaction data using the first fund account public key and the second fund account public key stored on the blockchain system. The first financial account public key corresponds to the first financial account private key, and the second financial account private key corresponds to the second financial account private key.
After receiving the verification service request, the blockchain system 140 executes the intelligent contract in response to the verification service request, that is, in the process of executing the intelligent contract based on the fund transaction data, the first fund account public key is used for performing authenticity verification on the fund transaction transfer request in the fund transaction data, and the second fund account public key is used for performing authenticity verification on the fund transaction result in the fund transaction data.
That is, during the financing asset survival process, when there is a change in funds, the asset management platform 110 may submit the funds transaction data to the blockchain system 140, and the blockchain system 140 performs authenticity verification on the funds transaction data using the intelligent contract thereon.
According to the embodiment of the application, the cryptology characteristic of asymmetric encryption and the openness and the non-tamper property of the intelligent contract of the block chain are utilized, the identity of the participant of the financing project is verified in the asset management process, so that the integrity of the fund transaction data is ensured, and meanwhile, the participant of the financing project cannot deny the fund transaction data submitted by the participant after the fact, so that the problems of transparency and credibility of the fund transaction data are solved.
In addition, the financial asset fund account and the corresponding fund account information are maintained through the intelligent contract on the block chain system, and the authenticity verification function of the fund transaction data obtained after data signature is carried out on the fund account private key is realized. Only two sides of the fund transaction possess a first fund account private key and a second fund account private key, and the first fund account public key and the second fund account public key are used for respectively verifying the authenticity of the fund transaction transfer request and the fund transaction result through cryptography, so that the fund transaction data of the fund transaction can be proved to be not falsified and the two sides of the fund transaction can approve the fund transaction data of the fund transaction.
In some embodiments of the present application, as shown in fig. 3, the method for managing funds transaction provided by the embodiments of the present application further includes the following steps.
At step S310, the asset management platform receives a financing application for a financing project initiated by an original rights beneficiary among the participants of the financing project. The original rights beneficiary may access the asset management platform 110 through a web page provided to the original rights beneficiary by the asset management platform 110 and/or through a client, initiate a financing application for the financing project on the asset management platform 110, and upload a funding plan, such as a repayment plan or a reimbursement plan, for the financing project.
In step S320, after the administrator of the participants of the financing project passes the review of the financing application, the asset management platform creates the financing project and receives the fund account information determined by the administrator for the financing project.
The administrator may also access the asset management platform 110 through a web page provided by the asset management platform 110 and/or through a client, the administrator reviews the financing application on the asset management platform 110, after the review is passed, the asset management platform 110 creates the financing project, and uploads the fund account information (the first fund account public key and the second fund account public key) of the financing project to the asset management platform 110.
In step S330, the blockchain system generates an intelligent contract based on the first and second public key of the fund account on the asset management platform.
In some embodiments, asset management platform 110 uploads the funding account information directly to blockchain system 140, and blockchain system 140 generates intelligent contracts based on the funding account information. In other embodiments, a manager may open an account on the blockchain system 140 through the asset management platform 110, so that the manager may upload the information of the fund account on the asset management platform 110 to the blockchain system 140 through the account on the blockchain, and the blockchain system 140 generates an intelligent contract based on the information of the fund account.
The first and second financial account public keys may be stored on blockchain system 140 in the form of state variables of the intelligent contract.
In some embodiments, when the first and second financial account public keys are stored directly on blockchain system 140, the first and second financial account public keys are read from blockchain system 140 to execute the smart contract based on the financial transaction data.
In other embodiments, where the first and second financial account public keys are stored in an intelligent contract in blockchain system 140, the intelligent contract is executed based directly on the first and second financial account public keys and the financial transaction data. In this way, the first fund account public key and the second fund account public key of different financing items can be independently stored in the corresponding intelligent contract, so as to avoid the situation that the first fund account public key and the second fund account public key on the blockchain system 140 are read by different intelligent contracts and are read by mistake.
The code rule of the intelligent contract is open to all people, and only the account on the manager chain can operate the intelligent contract. The manager can disclose the intelligent contract to the investor, and because the intelligent contract on the blockchain system is transparent in disclosure and can not be tampered, the risk of doing harm by the manager is reduced, and therefore the credibility of the financing project is improved.
In some embodiments of the present application, as shown in fig. 4, the method for managing funds transaction provided by the embodiments of the present application further includes the following steps.
At step S410, the asset management platform obtains a funding plan for the financing project. When the participant is an investor or a manager, the fund plan is a loan plan of the financing project; alternatively, when the participant is the original equiter, the fund plan is a repayment plan or a refund plan for the financing project.
However, it should be noted that the embodiment of the present application does not specifically limit the specific type of the fund plan, and the type of the fund plan differs according to the fund transaction.
In step S420, after the asset management platform obtains the verified fund transaction data from the blockchain system, it determines whether the verified fund transaction data conforms to the fund plan, so as to determine whether the participating parties of the financing project complete the fund transaction on schedule. For example, the total amount of the fund transaction is 10 ten thousand yuan according to the fund transaction data, and the total amount of the fund plan is 20 ten thousand yuan per fund transaction, which indicates that the participating party of the financing project does not complete the fund transaction according to the date; and the fund plan is that the total amount of each fund transaction is 5 ten thousand yuan, which indicates that the participating parties of the financing project complete the fund transaction according to the time.
Of course, when the participant does not initiate a fund transaction transfer request, the fund transaction data does not exist, and at this time, the asset management platform 110 may also monitor the fund plan of the financing project, and in a specified period, if the fund transaction data is not obtained yet, it indicates that the participant of the financing project does not complete the fund transaction on schedule.
At step S430, the asset management platform sends a reminder message to the participants of the financing project when the participants of the financing project have not completed the fund transaction on schedule. If, through the funding plan, it is determined that the participant did not complete the funding transaction on schedule, the asset management platform 110 may send a reminder message to the participant by way of an email.
However, it should be noted that the embodiment of the present application is not limited to the specific implementation manner of the asset management platform 110 sending the reminding message to the participant, and a popup of the reminding message may be pushed on a webpage and/or a client provided by the asset management platform 110.
In some embodiments of the present application, as shown in fig. 5, the method for managing funds transaction provided by the embodiments of the present application further includes the following steps.
At step S510, the asset management platform receives a query request for transaction details for a financing project submitted by a participant in the financing project. For example, when the fund transaction is a transfer transaction of fund withdrawal from a manager or an investor to an original equity person, the participant of the financing project can be the original equity person, and the inquiry request of the transaction detail is the transaction detail of the transfer transaction of the fund withdrawal; when the fund transaction is a transfer transaction of fund refund or repayment from an original right beneficiary to a manager or an investor, the participant of the financing project can be the manager or the investor, and the inquiry request of the transaction detail is the transaction detail of the transfer transaction of the fund refund or repayment.
In step S520, the asset management platform obtains the transaction details of the verified fund transaction data from the blockchain system for viewing by the participating parties in response to the query request.
In some embodiments, after the blockchain system 140 verifies the authenticity of the funds transaction data using the intelligent contracts thereon, the verified funds transaction data may be stored on the blockchain system 140.
In some embodiments, after the asset management platform 110 receives a query request for transaction details, in response to the query request, the asset management platform 110 may read the transaction details of the verified funds transaction data stored on the blockchain system 140 and send the transaction details to the participating parties. Thus, participants can view the transaction details on the blockchain system 140 through the asset management platform 110, and by the nature of the blockchain system 140, the authenticity and trustworthiness of the transaction details of the verified funds transaction data on the blockchain system 140 is ensured.
In some embodiments of the present application, as shown in fig. 6, the method for verifying the authenticity of a fund transaction provided by the embodiments of the present application further includes the following steps.
At step S610, the asset management platform monitors transaction details of the verified funds transaction data on the blockchain system. The asset management platform 110 may monitor the transaction details of verified funds transaction data stored on the blockchain system 140 in addition to obtaining transaction details from the blockchain system 140 in response to a query request for transaction details.
In step S620, when the fund abnormality occurs in the transaction detail, the asset management platform sends an abnormality prompting message to the participant of the financing project. For example, when the total amount of the transaction details is too small (e.g., only a few cents), it indicates that the transaction details are abnormal for funds because it does not comply with the funding plan of the financing program, and at this time, the asset management platform 110 may send an abnormal alert message to the participant by way of mail.
However, it should be noted that the embodiment of the present application is not limited to the specific implementation manner of sending the exception notification message to the participant by the asset management platform 110 specifically, and a popup of the exception notification message may be pushed on a webpage and/or a client provided by the asset management platform 110.
In addition, the embodiments of the present application do not limit the specific type of the fund exception, and may also be other exceptions, for example, the total amount of the transaction details is too high (e.g., several million).
Therefore, the asset management platform 110 can timely warn and notify the relevant participants when abnormal funds occur in the asset management process by monitoring the transaction details on the blockchain system 140.
Method embodiments of the present application are described in detail above in conjunction with fig. 1-6, and system embodiments of the present application are described in detail below in conjunction with fig. 7. It is to be understood that the description of the method embodiments corresponds to the description of the system embodiments, and therefore reference may be made to the preceding method embodiments for parts not described in detail.
FIG. 7 is a block diagram of a system for managing funds transactions provided by an embodiment of the present application. As shown in fig. 7, the system 700 may include an acquisition module 710, a request module 720, and a verification module 730. These modules are described in detail below.
The obtaining module 710 is configured to obtain fund transaction data by the asset management platform, where the fund transaction data includes data obtained by data signing, by the fund transaction parties of the financing project, on the data generated by the first fund account private key and the second fund account private key respectively in the process of executing the fund transaction.
The request module 720 is configured for the asset management platform to initiate an authentication service request to the blockchain system invoking the intelligent contract, wherein the authentication service request includes the funds transaction data.
The verification module 730 is configured to execute the smart contract based on the fund transaction data in response to the verification service request by the blockchain system to verify authenticity of the fund transaction data using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key and the second fund account private key corresponds to the second fund account private key.
According to the embodiment of the application, the cryptology characteristic of asymmetric encryption and the openness and the non-tamper property of the intelligent contract of the block chain are utilized, the identity of the participant of the financing project is verified in the asset management process, so that the integrity of the fund transaction data is ensured, and meanwhile, the participant of the financing project cannot deny the fund transaction data submitted by the participant after the fact, so that the problems of transparency and credibility of the fund transaction data are solved.
Optionally, as another embodiment, the system 700 may further include: the first receiving module is configured to receive a financing application of a financing project initiated by an original rights beneficiary in participants of the financing project by the asset management platform; the system comprises a creating module, a resource management platform and a resource management module, wherein the creating module is configured to create a financing project by the asset management platform after a manager in a participant of the financing project passes the examination of the financing application, and receive fund account information determined by the manager for the financing project, wherein the fund account information comprises a first fund account public key and a second fund account public key; and the generating module is configured to generate the intelligent contract based on the first fund account public key and the second fund account public key on the asset management platform by the blockchain system.
Optionally, as another embodiment, the fund transaction data includes a fund transaction transfer request and a fund transaction result, and the verification module 730, when verifying the authenticity of the fund transaction data by using the first fund account public key and the second fund account public key stored on the blockchain system, is further configured to verify the authenticity of the fund transaction transfer request by using the first fund account public key; and verifying the authenticity of the fund transaction result by using the second fund account public key.
Optionally, as another embodiment, the fund transaction data includes a fund transaction transfer request and a fund transaction result, the fund transaction parties include an enterprise platform and a supervising bank, and the system 700 further includes: the first signature module is configured to enable the enterprise platform to perform data signature on a fund transaction transfer request by utilizing a first fund account private key, wherein the fund transaction transfer request is initiated on the enterprise platform by a participant of a financing project, and the participant comprises any one of an investor, a manager and an original equity holder; and the second signature module is configured to enable the supervising bank to perform data signature on a fund transaction result generated by executing the fund transaction transfer request by using a second fund account private key.
Optionally, as another embodiment, the obtaining module 710 is further configured to receive, by the asset management platform, a signed fund transaction transfer request sent by the enterprise platform; and the asset management platform receives the signed fund transaction result sent by the supervision bank.
Optionally, as another embodiment, the system 700 further includes: and the second receiving module is configured to receive the signed fund transaction result sent by the supervision bank by the enterprise platform.
Optionally, as another embodiment, the obtaining module 710 is further configured to receive the signed fund transaction transfer request and the signed fund transaction result sent by the enterprise platform by the asset management platform.
Optionally, as another embodiment, the fund transaction data includes a fund transaction transfer request and a fund transaction result, the fund transaction parties include the asset management platform and the supervising bank, and the system 700 further includes: and the second signature module is configured to enable the supervising bank to perform data signature on a fund transaction result generated by executing the fund transaction transfer request by using a second fund account private key.
Optionally, as another embodiment, the obtaining module 710 is further configured to receive a fund transaction transfer request initiated by a participant of the financing project through the asset management platform, and perform data signing on the fund transaction transfer request by using a first fund account private key, wherein the participant includes any one of an investor, a manager and an original equiter; and the asset management platform receives the signed fund transaction result sent by the supervision bank.
Optionally, as another embodiment, the system 700 further includes: the first acquisition module is configured to acquire a fund plan of the financing project by the asset management platform; the judgment module is configured to judge whether the verified fund transaction data conforms to a fund plan after the asset management platform acquires the verified fund transaction data from the blockchain system so as to determine whether participants of the financing project complete the fund transaction on schedule; and the sending module is configured to send a reminding message to the participants of the financing project by the asset management platform when the participants of the financing project do not complete the fund transaction according to the schedule.
According to an embodiment of the application, when the participant is an investor or a manager, the fund plan is a loan plan for the financing project; alternatively, when the participant is the original equiter, the fund plan is a repayment plan or a refund plan for the financing project.
Optionally, as another embodiment, the system 700 may further include: the third receiving module is configured to receive a query request of transaction details of the financing project submitted by a participant of the financing project by the asset management platform; and the second acquisition module is configured to respond to the query request by the asset management platform and acquire the transaction details of the verified fund transaction data from the blockchain system for the participant to view.
Optionally, as another embodiment, the system 700 further includes: the monitoring module is configured to monitor the transaction details of the verified fund transaction data on the blockchain system by the asset management platform; and the resending module is configured to send an abnormal reminding message to the participants of the financing project by the asset management platform when the fund is abnormal in the transaction detail.
Fig. 8 is a block diagram of an electronic device provided in an embodiment of the present application. The apparatus 800 shown in fig. 8 may be any network node capable of performing a method of managing funds transactions. The device 800 may be, for example, a computing device having computing functionality. For example, the device 800 may be a mobile terminal or a server. Device 800 may include memory 810 and processor 820. Memory 810 may be used to store executable code. The processor 820 may be configured to execute executable code stored in the memory 810 to implement the steps of the various methods described previously. In some embodiments, the device 800 may also include a network interface 830, and data exchange by the processor 820 with external devices may be accomplished through the network interface 830.
In the above embodiments, all or part of the implementation may be realized by software, hardware, firmware or any other combination. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. The procedures or functions according to the embodiments of the present application are all or partially generated when the computer program instructions are loaded and executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored on a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website, computer, server, or data center to another website, computer, server, or data center via wire (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)), or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., Digital Video Disk (DVD)), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others.
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 several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, a division of a unit is merely a logical division, and an actual implementation may have another division, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. 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.
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.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (13)
1. A method of managing a funds transaction, comprising:
the method comprises the steps that an asset management platform obtains fund transaction data, wherein the fund transaction data comprise data obtained by data signing of data generated by first fund account private keys and second fund account private keys of fund transaction parties of financing projects in a fund transaction executing process;
the asset management platform initiates a verification service request for invoking an intelligent contract to a blockchain system, wherein the verification service request comprises the fund transaction data;
the blockchain system executes the intelligent contract based on the fund transaction data in response to the verification service request to perform authenticity verification on the fund transaction data by using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key.
2. The method of claim 1, further comprising:
the asset management platform receives a financing application of the financing project initiated by an original rights beneficiary among the participants of the financing project;
after a manager in the participants of the financing project passes the examination of the financing application, the asset management platform creates the financing project and receives fund account information determined by the manager for the financing project, wherein the fund account information comprises the first fund account public key and the second fund account public key;
the blockchain system generates the intelligent contract based on the first and second funding account public keys on the asset management platform.
3. The method of claim 1, the funding transaction data comprising a funding transaction transfer request and a funding transaction result,
wherein the verifying authenticity of the funds transaction data using the first and second public funds account keys stored on the blockchain system comprises:
verifying the authenticity of the fund transaction transfer request by using the first fund account public key;
and verifying the authenticity of the fund transaction result by utilizing the second fund account public key.
4. The method of claim 1, the funds transaction data including funds transaction transfer requests and funds transaction results, the funds transaction parties including enterprise platforms and regulatory banks,
wherein the method further comprises:
the enterprise platform data signing the funding transaction transfer request with the first funding account private key, wherein the funding transaction transfer request is initiated on the enterprise platform by a participant of the financing project, the participant comprising any one of an investor, a manager, and an original equiter;
the supervising bank performs data signing on the fund transaction result generated by executing the fund transaction transfer request by using the second fund account private key.
5. The method of claim 4, the asset management platform obtaining funds transaction data, comprising:
the asset management platform receives the signed fund transaction transfer request sent by the enterprise platform;
and the asset management platform receives the signed fund transaction result sent by the supervision bank.
6. The method of claim 4, further comprising:
the enterprise platform receives the signed fund transaction result sent by the supervision bank,
wherein the asset management platform obtains fund transaction data, comprising:
and the asset management platform receives the signed fund transaction transfer request and the signed fund transaction result sent by the enterprise platform.
7. The method of claim 1, the funds transaction data including a funds transaction transfer request and a funds transaction result, the funds transaction parties including the asset management platform and an administrative bank,
wherein the method further comprises:
the supervising bank data signing the funds transaction result generated by executing the funds transaction transfer request using the second funds account private key,
wherein the asset management platform obtains fund transaction data, comprising:
the asset management platform receives the fund transaction transfer request initiated by a participant of the financing project, and performs data signature on the fund transaction transfer request by using the first fund account private key, wherein the participant comprises any one of an investor, a manager and an original equity person;
and the asset management platform receives the signed fund transaction result sent by the supervision bank.
8. The method of any of claims 1 to 7, further comprising:
the asset management platform acquires a fund plan of the financing project;
after the asset management platform acquires the verified fund transaction data from the blockchain system, judging whether the verified fund transaction data conforms to the fund plan or not so as to determine whether the participants of the financing project complete the fund transaction on schedule or not;
and when the participant does not complete the fund transaction according to the schedule, the asset management platform sends a reminding message to the participant.
9. The method of claim 8, wherein the fund plan is a pay plan for the financing program when the participant is an investor or a manager; alternatively, when the participant is an original equiter, the fund plan is a repayment plan or a refund plan for the financing project.
10. The method of any of claims 1 to 7, further comprising:
the asset management platform receives a query request for transaction details of the financing project submitted by a participant of the financing project;
and the asset management platform responds to the query request, and acquires transaction details of the verified fund transaction data from the blockchain system for the participant to view.
11. The method of any of claims 1 to 7, further comprising:
the asset management platform monitors transaction details of the verified fund transaction data on the blockchain system;
and when the fund of the transaction detail is abnormal, the asset management platform sends an abnormal reminding message to the participants of the financing project.
12. A system for managing a funds transaction, comprising:
the acquisition module is configured to acquire fund transaction data from the asset management platform, wherein the fund transaction data comprises data obtained by data signing of data generated by first and second fund account private keys respectively by fund transaction parties of a financing project in the process of executing fund transaction;
a request module configured to initiate, by the asset management platform, a verification service request to invoke an intelligent contract to a blockchain system, wherein the verification service request includes the fund transaction data;
a verification module configured to execute, by the blockchain system in response to the verification service request, the smart contract based on the fund transaction data to perform authenticity verification on the fund transaction data using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key and the second fund account private key corresponds to the second fund account private key.
13. An electronic device, comprising: a memory having executable code stored therein and a processor configured to execute the executable code to implement the method of any one of claims 1 to 11.
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