CN114511398A - Railway engineering insurance and financing platform based on block chain - Google Patents
Railway engineering insurance and financing platform based on block chain Download PDFInfo
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Abstract
The invention discloses a railway engineering insurance and financing platform based on a block chain, which is constructed by a processor, a storage, a network interface, a communication bus and a database; the platform provides a block chain intelligent contract and a block chain system information access interface for a user through an SDK and an API, a front-end user sends data to a back-end server, and the server receives the data and then interacts with the block chain server by sending an HTTP request; and the block chain server receives the request and then sends a Proposal to the block chain system, and the Peer node calls a chain code to execute. The invention applies the block chain technology, creates the credit closed loop of the railway engineering construction project supplier and demander based on workload by means of the warranty financing service, and realizes the effective application of the block chain-based financial technology in the railway engineering construction field.
Description
Technical Field
The invention relates to a railway engineering insurance financing platform based on a block chain.
Background
The railway engineering construction project belongs to labor-intensive industries, has the characteristics of large engineering quantity, large occupied funds, complex engineering measurement and the like, and generally has long engineering fund settlement and payment period, and engineering construction enterprises generally have the phenomenon of difficult fund transfer and have strong financing requirements.
The project insurance policy financing refers to that based on the transaction relationship between a project construction enterprise and a project owner enterprise, the project construction enterprise (creditor) transfers accounts receivable which is generated by contract with the project owner enterprise (creditor) at present or in the future to a policy holder, and the policy holder pays the project construction fund in advance for the project construction enterprise on the premise of paying the policy advance payment and the account receivable business management cost with the chasing right property according to a certain proportion, so that the problem of fund shortage in the construction process can be effectively relieved. However, with the acceleration of the process of railway marketization and the annual expansion of railway construction scale, the increase of the amount of accounts receivable in railway engineering projects, the improvement of market risk sensitivity and the increase of the number of newly-cooperated small and medium-sized enterprises are challenges for further development of railway engineering project warranty financing business. At present, the main problems faced by the railway engineering guarantee institute financing are that the trade background authenticity and the contract authenticity are difficult to verify, namely whether the two parties are really involved in the transaction, how to verify the transaction contract performance, whether the transaction contract has secondary mortgage and other fraud phenomena.
The blockchain technology enables the efficiency of processing the insurance policy contract to be higher and errors to be less through the distributed account book, and can help the participants to avoid fraud risks to the greatest extent. Block chain based financial technology is now widely used to implement the distributed financial market, but is less applicable in the field of railway engineering.
Disclosure of Invention
In order to overcome the defects in the prior art, the invention provides a railway engineering warranty financing platform based on a block chain, which is used for creating a credit closed loop of a railway engineering construction project supplier and demander based on workload by applying a block chain technology and by means of warranty financing business, thereby realizing the effective application of a block chain-based financial technology in the field of railway engineering construction. The application of the platform can accelerate the cash flow turnover efficiency of railway engineering construction projects, ensure the stability and the continuity of cash flow, and effectively solve the problems of slow turnover of capital and large risk of railway engineering construction.
The technical scheme adopted by the invention for solving the technical problems is as follows: a railway engineering insurance and financing platform based on a block chain is built by a processor, a storage, a network interface, a communication bus and a database; the platform provides a block chain intelligent contract and a block chain system information access interface for a user through an SDK and an API, a front-end user sends data to a back-end server, and the server receives the data and then interacts with the block chain server by sending an HTTP request; and the block chain server receives the request and then sends a Proposal to the block chain system, and the Peer node calls a chain code to execute.
Further, the interactive flow of the financing parties comprises the following steps:
step one, financing parties register a block chain account on a platform by using a tax identifier and a bank account number to obtain a real identity and a block chain address;
step two, the construction party sends a project price settlement application to the owner in the platform Web service, submits a check price report and relevant quality certification materials to the platform, completes chaining of the project price settlement application order number and the check price report metadata coding information, generates a encrypted abstract of the project price settlement application order number and the check price report metadata coding information, and sends a public key to the owner;
step three, the owner accesses the platform database, sends a verification request to the proctoring party after confirming that the engineering price settlement bill is formed and is not issued, and distributes the encrypted abstract and the public key to the proctoring party;
step four, the supervisor accesses the platform database, sends the checking pricing information to the owner through the platform Web service after quality confirmation and measurement, and completes the digital signature of the block link point;
step five, the owner accesses the platform database, and completes the digital signature of the chain node of the block after the verification and confirmation of the verified pricing data signed by the supervisor; then, sending a signed engineering price settlement bill to a construction party in the platform Web service, issuing a bill block chain certificate and a construction party block chain digital certificate, and issuing a construction party message authentication code, a random number selected by an owner and an engineering price settlement bill encryption information abstract in the platform;
step six, after the selected maintainer under the construction side line is on line, the construction side provides the maintainer with an encrypted bank account number, a bill block chain certificate and a construction side block chain digital certificate;
accessing the platform database by the manager, authenticating the identity of the constructor, confirming that the bill is not managed, providing a block chain digital certificate for the constructor, encrypting the bank account number and storing the encrypted bank account number in the chain; meanwhile, the encrypted warranty agreement information signed by the warranty is sent to the constructor;
step eight, the construction party accesses the platform database, signs the warranty agreement sent by the warranty party after confirming the identity of the warranty party, verifying the authenticity of the warranty agreement and confirming the correctness of the warranty agreement information, generates intelligent contract data and stores the intelligent contract data as an intelligent contract transaction output log; simultaneously registering and uploading the bills which have jointly signed the warranty agreement in the platform;
step nine, the construction party uses the platform to inform the owner of the signed intelligent contract of the warranty agreement, and sends an intelligent contract address to the owner;
step ten, the manager accesses the platform database, checks the bill registration information and pays the bill amount in the warranty agreement to the bank account of the construction party before the payment deadline is agreed;
step eleven, the owner accesses the platform database, decrypts the output log of the intelligent contract, confirms that the intelligent contract is about the guaranteed bill, and pays the corresponding bill amount to the constructor/the insurance manager according to the agreement of the insurance agreement.
Further, the constructor message authentication code in the fifth step is calculated according to the following method:
(1) the owner connects the real identity IDA of the construction party A with the identity @ A in the block chain through the issued construction party block chain digital certificate;
(2) the construction party A selects a random numberp1E.g., (1, n), and will
Sending the information to an owner;
(3) the owner selects another random number p2E (1, n), deriving a symmetric shared key K by using a deterministic key derivation function, and calculating a message authentication code MAC of a construction party based on the symmetric shared key K.
Further, the seventh step is a method for authenticating the identity of the construction party: key derivation using a MAC value published by a proprietor in a platform Web service
Then from (
p1IDA, @ a), and if the value is the same as the MAC value in the blockchain digital certificate, the identity of the construction party may be authenticated.
Further, the warranty agreement information in step seven includes: the construction method comprises the following steps of guaranteeing amount, the longest term of payment from a construction party to a guarantee party, the deadline of payment from a proprietor to the guarantee party, an encrypted bank account number of the guarantee party, an engineering price settlement bill, and a block chain digital certificate of the construction party and the guarantee party.
Further, the method for generating intelligent contract data in the ninth step includes: the hash value of the constructor blockchain address and ticket MAC value is stored as one key value per ticket, forming intelligent contract data.
Further, in the eleventh step, the owner inquires the transaction log by calculating the hash value of the block chain address of the construction party and the MAC value of the bill, further calculates the bank account of the manager decrypted by the symmetric shared key, and then pays the bill amount in the insurance agreement to the manager.
Further, the processor comprises a central processing unit CPU, a graphic processing unit GPU, an integrated circuit ASIC, a field programmable gate array FPGA, and an AI chip integrating calculation and storage or other programmable logic device discrete hardware components.
Further, the storage is a tangible, non-transitory, computer-readable medium comprising: magnetic, magneto-optical disks or discs, solid state drives, random access memory RAM, read only memory ROM, or phase change memory PRAM, static random access memory SRAM, dynamic random access memory DRAM.
Further, the database is a non-relational database NoSQL, including: HBase, Redis, MongoDB, Couchbase and LevelDB.
Compared with the prior art, the invention has the following positive effects:
1) the invention can help owners to improve the efficiency of the work of checking and pricing and paying engineering price
Project name datamation based on element coding is convenient for project tracking, retrieval and efficient management of data, is suitable for detailed schedule control of project, and increases the transferable attribute of price settlement bills of railway projects; based on the distributed technology, the verification method has the advantages that the verification can be realized through the platform flow circulation examination and approval, and each piece of data and each piece of signature information can be traced, so that the responsibility is clear, the material transmission process is simplified, and the manpower, material resources and time cost are saved.
2) The invention ensures the authenticity of the bill and the identity of the trader, and avoids the risk of repeated pledge of the bill
The platform stores the key node information of the transaction process to provide reference for later auditing and law enforcement, consolidates the trust relationship between transaction parties, accelerates the transfer speed of project progress money, and relieves the problems of difficult financing and high financing cost of construction parties.
3) The invention reduces the participation of the railway owner in the financing process to the maximum extent, and avoids the influence of the financial market credit, the operation risk and the like on the operation and reputation of the railway enterprise.
Drawings
The invention will now be described, by way of example, with reference to the accompanying drawings, in which:
FIG. 1 is a diagram of a conventional engineering insurance financing service architecture;
FIG. 2 is a schematic diagram illustrating a protocol flow of a block chain-based railway engineering insurance financing platform according to the present invention;
FIG. 3 is a schematic diagram of the block chain-based railway engineering insurance financing platform architecture;
FIG. 4 is a schematic diagram of the equipment or device of the block chain-based railway engineering insurance financing platform according to the present invention;
FIG. 5 is a block chain-based protocol timing diagram of a railway engineering insurance financing platform according to the present invention.
Detailed Description
The business links of the engineering construction enterprise comprise admission, bid winning, signing, material supply, acceptance inspection, invoicing, account hanging, payment and account arrival, wherein the time consumption from the material supply to the account issuing link is longest, and the turnover speed of capital is seriously slowed down. Including but not limited to the following embodiments, are within the scope of the invention.
The traditional engineering insurance financing process is shown in fig. 1, wherein the main participants are buyer, seller and manager, the buyer is debtor, i.e. project owner (railway branch company), the seller is creditor, i.e. engineering construction enterprise, and the main steps are as follows:
1) the buyer and the seller sign a basic contract;
2) forming accounts payable of the buyer to the seller;
3) the seller and the policy holder sign financing contracts such as credit transfer and the like, and transfer accounts receivable credit to the policy holder;
4) the policy holder issues policy financing to the seller;
5) the buyer repays the payment and accounts collection in the policy holder.
The invention relates to a railway engineering warranty financing platform based on a block chain technology, which has the main platform roles of a supervisor, a constructor, an owner (railway branch company) and a warranty, wherein:
(1) the construction method comprises the following steps: sending a project price settlement request to the owner, and uploading project contracts and project inspection metering information to a platform and a block chain network for storage; after the proctoring party and the owner complete the digital signature, performing chain linking operation on the project price settlement bill information; after the offline negotiation with the policy holder, signing a policy holder agreement based on the intelligent contract with the policy holder; the constructor bank account receives the warranty funds.
(2) Supervision party: and after receiving an auditing request of the owner, approving the owner by combining the actual situation, and finishing the digital signature of the account of the supervisor.
(3) The method comprises the following steps: after receiving a project price settlement request of a constructor, sending an audit request to a supervisor, after the supervisor account finishes digital signature, an owner carries out audit confirmation, and finishes digital signature after the audit is correct; receiving a warranty agreement of the intelligent contract; the amount of the bill is paid before expiration.
(4) And (4) a manager: a synthetic agreement is formed with the construction square line; signing an intelligent contract warranty agreement with a constructor; and (5) settling the bill amount to the construction party.
The railway engineering insurance financing platform is a registration system mainly realized by an intelligent contract, actual payment is carried out through legal transfer among bank accounts, and an owner must pay the amount of a bill to an entity bank account registered by the intelligent contract. Therefore, all interested parties must review the intelligent contract and ensure its authenticity. The platform operating protocol flow is as follows, as shown in fig. 2:
s1, the construction party sends a project price settlement application to the owner, submits a project price report and related quality certification materials to the platform, completes information chaining, issues an encrypted abstract and sends a public key to the owner;
s2, the owner accesses the platform database to check whether the application form forms a project price settlement bill, if yes, the owner checks whether the application form is issued, thereby preventing the bill from secondary pledge; if the bill is not issued, sending a check request to the supervisor, and distributing the encrypted abstract and the public key to the supervisor;
s3, the proctor accesses the platform database to call the finished project quantity table, the labor checking pricing report form and the relevant quality certification materials uploaded by the construction party, the supervision party is responsible for on-site quality confirmation and measurement of the materials, the labor checking pricing information is sent to the owner through the platform Web service, and digital signature of the block link point is completed;
s4, the relevant department of the owner verifies and confirms the verified pricing data signed by the proctor, and the digital signature of the block chain link points is completed; the owner plan finance department sends a signed engineering price settlement bill to a construction party in the platform Web service, issues a bill block chain certificate and a construction party block chain digital certificate, and issues an engineering price settlement bill encryption information abstract in the platform;
s5, selecting a cooperative warranty party by the construction party through offline negotiation;
s6, after the construction direction is on line, the construction direction provides the bank account, the bill block chain certificate and the construction direction block chain certificate;
s7, the manager verifies the encrypted information of the bill and the identity of the construction party through the access platform, checks the identity of the construction party and verifies whether the bill is managed;
s8, the construction side is provided with a block chain digital certificate by the warranty side, a symmetric key is generated to encrypt the bank account number of the construction side and store the encrypted bank account number in the chain, and meanwhile signed encrypted warranty protocol information is sent to the construction side;
s9, the construction party access platform verifies the block chain digital certificate of the policy holder and confirms the identity of the policy holder; verifying the authenticity of the warranty agreement, checking whether the information of the warranty agreement is correct, signing the warranty agreement sent by a constructor, generating intelligent contract data and storing the intelligent contract data as an intelligent contract transaction output log;
s10, the construction side registers and uploads the bill which is signed by the warranty agreement together by the warranty side in the platform;
s11, the construction party informs the owner that the insurance agreement intelligent contract is signed by the platform and sends the intelligent contract address to the owner;
s12, paying the appointed amount to the constructor by the warranty direction;
and S13, when the bill payment deadline is reached, the owner accesses the platform database, decrypts the output log of the intelligent contract, confirms that the intelligent contract is the managed bill, and pays the corresponding bill amount to the constructor/manager according to the contract of the management agreement.
The platform provides a block chain intelligent contract and a system information access interface through an SDK and an API (software development kit) for users (namely all railway engineering insurance financing parties, including main platform roles such as a manager, a construction party, an owner and a policeman), a front-end user sends data to a back-end server, and the server receives the data and then interacts with the block chain server by sending an HTTP (hyper text transport protocol) request; the blockchain server receives the request and then sends a Proposal to the blockchain system, and then the Peer node calls a chain code to execute, so that the access blockchain process is simplified, and a user can conveniently and quickly access to a blockchain platform, as shown in FIG. 3.
As shown in fig. 4, the main apparatus or device built by the platform includes a processor 401, a storage 404, a network interface 402, a communication bus 403 and a database (not shown). Processors are used to provide computing and control capabilities and include Central Processing Units (CPUs), Graphics Processing Units (GPUs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs), compute and store integrated AI chips, or other programmable logic device discrete hardware components. The storage may be a tangible, non-transitory computer-readable medium, such as a magnetic, magneto-optical disk or optical disk, a solid state drive, Random Access Memory (RAM), Read Only Memory (ROM), or other types of media including, but not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), and the like. The communication bus is divided into an address bus, a data bus and a control bus, and can be a peripheral component interconnect standard (PCI) bus or an Extended Industry Standard Architecture (EISA) bus and the like. The web interfaces include HTTP-based Application Programming Interfaces (APIs), and in alternative embodiments, the web services include web services written in Java or C/C + + computer programming languages, and the software containers include, but are not limited to, Singularity containers. The database may be a non-relational database NoSQL including, but not limited to, HBase, Redis, MongoDB, Couchbase, LevelDB, and other databases.
As shown in fig. 5, the protocol sequence of the block chain-based railway engineering insurance financing platform of the present invention is as follows:
s0 platforms eachRole registration of blockchain accounts using tax identifiers, bank account numbers to obtain true Identity (ID)n) And Block chaining Address (@)n)；
S1 the construction side sends the settlement application of project price to the owner in the platform Web service, submits the application form of the settlement of the project price and the finished quantity table, the check price report and the relevant quality certification material to the platform, and completes the chain of the metadata coding information of the project price settlement application form number and the check price report. The construction party generates an encrypted abstract from the project price settlement application form number and the metadata encoding information of the verified pricing report, and sends a public key to the owner;
s20 the owner accesses the platform database to check if the application form forms the project price settlement bill, if yes, it checks if it has been issued, so as to prevent the bill from secondary pledge; if the bill is not issued, sending a check request to the supervisor, and distributing the encrypted abstract and the public key to the supervisor;
the S21 proctor accesses the platform database to call the proven materials of the finished project quantity table, the inspection pricing report and the related quality uploaded by the constructor, is responsible for on-site quality confirmation and measurement of the materials, sends the inspection pricing information to the owner through the platform Web service, and completes the digital signature of the block link point;
s22 the relevant department of owner checks and confirms the verified pricing data signed by the proctor to complete the digital signature of the chain link points of the block; the owner plan finance department sends a signed project price settlement bill to the constructor in the platform, issues a block chain digital certificate for the constructor while issuing a bill block chain certificate, and links the true Identity (ID) of the constructorA) With identity in a blockchain (@)A) The construction side A selects a random number p1E.g., (1, n), and will
Sent to the owner who selects another random number p2E (1, n), and deriving a symmetric shared key K by using a deterministic key derivation function; the owner calculates the constructor's Message Authentication Code (MAC) based on the symmetric shared secret K,issuing a construction party Message Authentication Code (MAC), a random number selected by an owner and an engineering price settlement bill encryption information abstract through platform Web service;
s31, the construction party below the line puts forward financing requirements to a plurality of insurance managers by providing detailed information of the bills;
s32 the policy holders with intention under the line provide policy agreement scheme according to the bill information, the construction side compares the conditions of different policy holders and selects the best policy holder to cooperate;
s4 when the construction side goes online, the construction side provides the bank account, the bill block chain certificate and the construction side block chain certificate (MAC, p)1IDA @ a) to verify its identity with the help of the principal;
s50 the manager verifies the bill and the encrypted information of the constructor identity through the access platform, checks the constructor identity and ensures that the bill is not managed; the policyholder obtains using the MAC value provided by the owner in the platform Web service as a key
At this time from
p1IDA @ A), and if the value is the same as the MAC value in the certificate, the identity of the construction party can be authenticated;
s51 the construction side provides the digital certificate of the block chain to the construction side, and by selecting a random number, it generates a symmetric key to encrypt the bank account number and store it in the chain; simultaneously sending signed encrypted warranty agreement information to a constructor, wherein the signed encrypted warranty agreement information comprises warranty amount, the longest term of payment of the warranty direction to the constructor, the deadline of payment of a proprietor to the warranty, an encrypted bank account number of the warranty, a bill, a constructor and a block chain digital certificate of the warranty;
s6, the construction party access platform verifies the block chain digital certificate of the manager and confirms the identity of the manager; verifying the authenticity of the warranty protocol and checking whether the warranty protocol information is correct or not; signing a warranty agreement sent by a constructor, generating intelligent contract data and storing the intelligent contract data as an intelligent contract transaction output log;
s7 registering and uploading the bills of the warranty agreement signed by the warranty manager in the platform by the constructor, and storing the intelligent contract data by using the block chain address of the constructor and the hash value of the MAC value of the bills as a key value of each bill; issuing registered bill data in the platform, storing the bill data as an intelligent contract output transaction log as evidence for later dispute;
s8 the constructor uses platform HTTP to inform the owner that the contract has been signed and sends the contract address to the owner;
s9, after checking the bill registration information, the policy holder access platform pays the bill amount in the policy holder to the bank account of the constructor before agreeing the payment deadline;
s10 when the bill payment expiration date is reached, the owner checks the intelligent contract in the platform to determine if the bill has been warranted. The owner inquires the transaction log by calculating the block chain address of the construction party and the hash value H of the bill MAC value, further calculates the symmetric shared secret key to decrypt the bank account of the manager, and pays the bill amount in the management agreement to the manager.
Wherein:
1) the project price settlement is the activity of the construction unit (owner) making an agreement on the contract price of the undertaking and issuing package and settling the project progress according to the agreement. And (4) performing a project of quarter checking and pricing when the contract construction period exceeds three months, and paying the project progress payment quarterly. The engineering price settlement application based on the workload of the invention, the workload is the completed workload under the share item, and the workload information comprises: construction unit number (constructor), construction unit number (owner), inspection pricing table number, project and expense name metadata coding, metering unit, contract price, inspection pricing in the current period, accumulated inspection pricing, residual quantity and pricing amount, construction unit responsible labor number, establishment labor number and approval labor number (including but not limited to project workload).
2) The inspection and pricing refers to the general name of the inspection and pricing activities of the qualified projects, material equipment, land acquisition and removal, related work and expenses which are finished on the railway construction projects according to the contracts. The price checking and counting is the basis for clearing the price of the construction under the construction contract of the railway construction project, and the price is settled after the price checking and counting. The work checking and pricing mode depends on the mode determined in the engineering contract, and the work checking and pricing in quarter and the work checking and pricing in last time are mainly carried out, the project with the construction period less than three months is completed, and the work checking and pricing in one time after completion is carried out. Quarter labor checking and pricing are completed before ten days of the first month in the next quarter, and node labor checking and pricing are completed within ten days after a construction unit (a constructor) puts forward an application; the last time of the experiential pricing is completed after the first time and before the formal acceptance.
3) The data field of the checking pricing report comprises a construction unit number (a constructor), a construction unit number (an owner), a supervision unit number, a checking pricing table number, engineering project and expense names, a metering unit, a contract price, checking pricing at the current stage, checking pricing on accumulation, residual quantity and pricing amount, a construction unit responsible labor number, a total supervision engineer labor number, a compilation labor number and an approval labor number.
4) And 5, encoding the metadata of the checking pricing report. Metadata is data describing (or relating to) data, structural data for providing information about a certain resource, enabling efficient management of information resources and identification, evaluation, and tracking of used resources. The metadata coding of the invention is divided into four categories of metadata of basic, design, construction and operation and maintenance according to the life cycle of railway engineering projects according to a railway engineering information model classification and coding standard published in 2015 and a railway infrastructure metadata standard published in 2019 by a railway BIM alliance. For example, the metadata of prefabricated erection of bridge construction in the railway engineering project is 54-176000, the metadata of financial posts in the role of railway engineering personnel is 56-025800, and the data of supervision components in supervision units in the role of railway engineering organization is 57-101010. The information of project and expense name entry platform data and block chains in the verification pricing report is in a metadata coding form, so that project tracking, data retrieval and unified management are facilitated.
5) The main flow of project checking and pricing is that a constructor compiles a project checking and pricing report, submits the report to a supervisor for auditing, submits the report to a constructor for approving the qualified quality and the real quantity of the pricing project, and signs the report by all the responsible persons of an owner and a constructor. The owner applies for review to the dissimilarity of the verified pricing result proposed by the constructor, and informs the constructor of the review result in the next pricing period, and ends the application of the constructor.
6) The project price settlement bill, the data field includes project price settlement bill serial number, construction unit serial number (constructor), construction unit serial number (owner), project and expense name metadata coding, contract price, fatigue starting and checking worker, fatigue starting and dialing, fatigue starting and withholding quality guarantee fund, the work of checking the worker in this period, the work of withholding and waiting to pay in this period, the work of checking and checking settlement bill payable, the worker number of establishment, the number of approval worker.
7) Key management, using Diffie-Hellman (DH) Key Agreement Algorithm to set symmetric keys to ensure confidentiality, one of the parties choosing a random number p1E (1, n), base g, the public key will be calculated
Is transmitted to the other party, who also selects the random number p2Belongs to (1, n) and calculates the public key
And sending the key to the opposite party, and then obtaining the same session key k by both parties, namely completing the key exchange through a DH algorithm. The basic DH key protocol is easy to be attacked by man-in-the-middle, so in the protocol, in order to improve the security of transaction, two communication parties share an asymmetric key and carry out digital signature authentication identity before exchanging the protocol. On the other hand, given that performing a DH key exchange requires both parties to be online to exchange information, establishing a secure session, the present protocol uses persistent storage to implement asynchronous key exchange, i.e., one party provides a message that the other party will access in the future. Finally, a random symmetric key is derived from the DH key using a Key Derivation Function (KDF).
8) The Message Authentication Code (MAC), which is a keyed Hash function, is used to check the integrity of a certain segment of a Message and to perform authentication.
9) And the block chain digital certificate is used for proving the relation between the real identity and the pseudo identity in the block chain so as to clarify the real identity of the participant and provide reference for later auditing and law enforcement. In the platform structure, because the owner pays and settles the account for the constructor, the manager can be supposed to trust the owner to prove the constructor. The constructor and the maintainer will establish their true Identity (ID) in the blockchainn) And Block chain Address (@)n) The block chain digital certificate is composed of tuple forms including a message authentication code, a random number of a public key, a real identity and a block chain address. The blockchain digital certificates of the platform are private and can only be exchanged between the constructor and the manager after the constructor and the manager reach an agreement. In the platform protocol, a constructor and a manager both obtain corresponding block chain digital certificates, and relevant parameters of the certificates are issued to the platform by an owner. When the bill is kept, the block chain records the block chain digital certificate corresponding to the bill, which is paired by the construction party and the guarantee party, so as to ensure the authenticity of the identities of the two parties.
10) Smart contracts are computerized transaction agreements that execute contract terms that, in contrast to conventional contract agreements, can execute traceable, irreversible, and secure efficient transactions without third parties. In order to protect the privacy and the safety of a platform protocol structure and comprehensively consider the operating cost of the platform, the intelligent contract of the platform comprehensively adopts a transaction input data, key value storage and transaction output log storage mode and stores the registration data of the warranty bill. Transaction input data is data in a transaction that provides input to execute the intelligent contract logic of the current transaction, which is less costly to use. Key value storage provides storage for intelligent contracts that persist in transactions, records blockchain global state, can be used to perform future transactions, and has the disadvantage of higher storage cost. The transaction output log is data generated after the transaction is performed. In the platform protocol, a persistent key value is used for avoiding the repeated pledge risk of the bill, and the transaction output log is used for recording the warranty transaction data. The data registered by the intelligent contract of the platform comprises a bank account and a warranty agreement information abstract, and the information is encrypted before uplink. The information abstract of the warranty agreement is stored on the chain and can be used for processing possible disputes between a construction party and a warranty party in the future, and the information abstract of the warranty agreement must be signed by the construction party and the warranty party together.
11) The warranty agreement data field comprises a warranty agreement number, a warranty amount, a maximum term of payment of the warranty to the constructor, a deadline of payment of the owner to the insurer, an encrypted bank account number of the insurer, and a block chain certificate of the bill, the constructor and the insurer.
12) The invention uses Elliptic Curve Digital Signature Algorithm (ECDSA) to realize public key decryption, gives a message and a signature of a signer on the message, recovers the public key of the signer, and can also obtain the block chain address of the signer from the public key. In the present platform protocol, signatures of constructor and agent blockchain addresses are used during transactions, and their blockchain addresses are recovered from these signatures.
Claims (10)
1. The utility model provides a railway engineering insurance and financing platform based on block chain which characterized in that: the system is built by a processor, a storage, a network interface, a communication bus and a database; the platform provides a block chain intelligent contract and a block chain system information access interface for a user through an SDK and an API, a front-end user sends data to a back-end server, and the server receives the data and then interacts with the block chain server by sending an HTTP request; and the block chain server receives the request and then sends a Proposal to the block chain system, and the Peer node calls a chain code to execute.
2. The block chain based railroad engineering insurance financing platform of claim 1, characterized in that: the user is each party of the railway engineering insurance policy financing, comprising an administrative party, a construction party, an owner party and an insurance policy party, and the interactive process of each party of the financing comprises the following steps:
step one, financing parties register a block chain account on a platform by using a tax identifier and a bank account number to obtain a real identity and a block chain address;
step two, the construction party sends a work load-based project price settlement application to the owner in the platform Web service, submits a check price report and relevant quality certification materials to the platform, completes the chaining of the project price settlement application order number and the check price report metadata coding information, generates an encrypted abstract for the project price settlement application order number and the check price report metadata coding information, and sends a public key to the owner;
step three, the owner accesses the platform database, sends a verification request to the proctoring party after confirming that the engineering price settlement bill is formed and is not issued, and distributes the encrypted abstract and the public key to the proctoring party;
step four, the supervisor accesses the platform database, sends the checking pricing information to the owner through the platform Web service after quality confirmation and measurement, and completes the digital signature of the block link point;
step five, the owner accesses the platform database, and completes the digital signature of the chain node of the block after the verification and confirmation of the verified pricing data signed by the supervisor; then, sending a signed engineering price settlement bill to a construction party in the platform Web service, issuing a bill block chain certificate and a construction party block chain digital certificate, and issuing a construction party message authentication code, a random number selected by an owner and an engineering price settlement bill encryption information abstract in the platform;
step six, after the selected maintainer under the construction side line is on line, the construction side provides the maintainer with an encrypted bank account number, a bill block chain certificate and a construction side block chain digital certificate;
accessing the platform database by the manager, authenticating the identity of the constructor, confirming that the bill is not managed, providing a block chain digital certificate for the constructor, encrypting the bank account number and storing the encrypted bank account number in the chain; meanwhile, the encrypted warranty agreement information signed by the warranty is sent to the constructor;
step eight, the construction party accesses the platform database, signs the warranty agreement sent by the warranty party after confirming the identity of the warranty party, verifying the authenticity of the warranty agreement and confirming the correctness of the warranty agreement information, generates intelligent contract data and stores the intelligent contract data as an intelligent contract transaction output log; simultaneously registering and uploading the bills which have jointly signed the warranty agreement in the platform;
step nine, the construction party uses the platform to inform the owner of the signed intelligent contract of the warranty agreement, and sends an intelligent contract address to the owner;
step ten, the manager accesses the platform database, checks the bill registration information and pays the bill amount in the warranty agreement to the bank account of the construction party before the payment deadline is agreed;
step eleven, the owner accesses the platform database, decrypts the output log of the intelligent contract, and pays corresponding bill amount to the policy holder according to the contract of the policy holder after confirming that the intelligent contract is the policy-protected bill.
3. The block chain based railroad engineering insurance financing platform of claim 2, characterized in that: fifthly, the constructor message authentication code is calculated according to the following method:
(1) the owner connects the real identity IDA of the construction party A with the identity @ A in the block chain through the issued construction party block chain digital certificate;
(2) the construction party A selects a random number p1E.g., (1, n), and will
Sending the information to an owner;
(3) the owner selects another random number p2E (1, n), deriving a symmetric shared key K by using a deterministic key derivation function, and calculating a message authentication code MAC of a construction party based on the symmetric shared key K.
4. The block chain based railroad engineering insurance financing platform of claim 3, characterized in that: seventhly, the method for authenticating the identity of the construction party comprises the following steps: key derivation using a MAC value published by a proprietor in a platform Web service
Then from (
p1IDA, @ a), and if the value is the same as the MAC value in the blockchain digital certificate, the identity of the construction party may be authenticated.
5. The block chain-based railway engineering insurance financing platform of claim 2, characterized in that: seventhly, the warranty agreement information comprises: the construction method comprises the following steps of guaranteeing amount, the longest term of payment from a construction party to a guarantee party, the deadline of payment from a proprietor to the guarantee party, an encrypted bank account number of the guarantee party, an engineering price settlement bill, and a block chain digital certificate of the construction party and the guarantee party.
6. The block chain based railroad engineering insurance financing platform of claim 2, characterized in that: the method for generating the intelligent contract data comprises the following steps: the hash value of the constructor blockchain address and ticket MAC value is stored as one key value per ticket, forming intelligent contract data.
7. The block chain based railroad engineering insurance financing platform of claim 2, characterized in that: in the eleventh step, the owner inquires the transaction log by calculating the block chain address of the constructor and the hash value of the MAC value of the bill, further calculates the bank account of the insurance manager decrypted by the symmetric shared secret key, and then pays the bill amount in the insurance agreement to the insurance manager.
8. The block chain based railroad engineering insurance financing platform of claim 1, characterized in that: the processor comprises a central processing unit CPU, a graphic processing unit GPU, an integrated circuit ASIC, a field programmable gate array FPGA, and an AI chip integrating calculation and storage or other programmable logic device discrete hardware components.
9. The block chain-based railway engineering insurance financing platform of claim 1, characterized in that: the storage is a tangible, non-transitory, computer-readable medium comprising: magnetic, magneto-optical disks or discs, solid state drives, random access memory RAM, read only memory ROM, or phase change memory PRAM, static random access memory SRAM, dynamic random access memory DRAM.
10. The block chain based railroad engineering insurance financing platform of claim 1, characterized in that: the database is a non-relational database NoSQL, and comprises the following components: HBase, Redis, MongoDB, Couchbase and LevelDB.
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