CN114971853A

CN114971853A - Data processing method, device and equipment based on block chain

Info

Publication number: CN114971853A
Application number: CN202210600299.9A
Authority: CN
Inventors: 张�诚
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-05-27
Filing date: 2022-05-27
Publication date: 2022-08-30

Abstract

The embodiment of the specification discloses a data processing method, a data processing device and data processing equipment based on a block chain. The method comprises the following steps: receiving a resource transfer request, wherein the resource transfer request comprises a transfer-in party identifier; inquiring a transfer party identifier in a plurality of list data on a block chain, wherein the list data are set by a plurality of mechanisms; according to the query result, correspondingly processing the resource transfer request; and feeding back a processing result. The embodiment of the specification can prevent financial risks.

Description

Data processing method, device and equipment based on block chain

Technical Field

The embodiment of the specification relates to the technical field of block chains, in particular to a data processing method, a data processing device and data processing equipment based on a block chain.

Background

With the continuous development of internet technology, internet services are gradually developed, and great convenience is brought to the life of people. Internet services typically involve the transfer of resources. For example, resources in one account are transferred to other accounts.

In some scenarios, roster data may need to be established to specify the resource transfer operation for a particular in-transferring party. At present, the list data of each lending institution is independent, and financial risks are easy to generate.

Disclosure of Invention

The embodiment of the specification provides a data processing method based on a block chain, so as to prevent financial risks.

In a first aspect of the embodiments of the present specification, a data processing method based on a block chain is provided, including:

receiving a resource transfer request, wherein the resource transfer request comprises a transfer-in party identifier;

inquiring a transfer party identifier in a plurality of list data on a block chain, wherein the list data are set by a plurality of mechanisms;

according to the query result, the resource transfer request is correspondingly processed;

and feeding back a processing result.

In a second aspect of embodiments of the present specification, there is provided a data processing apparatus based on a blockchain, including:

a receiving unit, configured to receive a resource transfer request, where the resource transfer request includes a transfer-in party identifier;

the system comprises a query unit, a forwarding party identification query unit and a forwarding party identification query unit, wherein the query unit is used for querying a plurality of list data of a block chain, and the list data are set by a plurality of mechanisms;

the processing unit is used for carrying out corresponding processing on the resource transfer request according to the query result;

and the feedback unit is used for feeding back the processing result.

In a third aspect of the embodiments of the present specification, there is provided a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method steps as described in the first aspect when executing the computer program.

A fourth aspect of embodiments of the present specification provides a computer program product comprising a computer program which, when executed by a processor, performs the method steps as set forth in the first aspect.

The technical solution provided in the embodiments of the present specification may receive a resource transfer request, where the resource transfer request includes a transfer-in party identifier; the method comprises the steps that a transfer party identifier can be inquired in a plurality of list data on a block chain, wherein the list data are set by a plurality of mechanisms; the resource transfer request can be correspondingly processed according to the query result; the processing result may be fed back. Through the block chain, the sharing of the list data among different mechanisms can be realized. Therefore, the transferring-in party identification can be inquired in a plurality of list data on the block chain, and the financial risk is favorably reduced.

Drawings

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

FIG. 1 is a block diagram of a data processing system according to an embodiment of the present disclosure;

FIG. 2 is a flow chart illustrating a data processing method based on a blockchain in an embodiment of the present disclosure;

FIG. 3 is a flowchart illustrating a method for processing data based on a blockchain according to an embodiment of the present disclosure;

FIG. 4 is a block chain-based data processing apparatus according to an embodiment of the present disclosure;

fig. 5 is a schematic structural diagram of a computer device in an embodiment of the present specification.

Detailed Description

The technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in the embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

For example, with loans, some loan officers may not be able to use certain types of funds. The lending institution may thus set the listing data to constrain the lending request of the borrower. At present, list data among different lending institutions are relatively independent, effective constraint limitation on loan personnel cannot be realized, and financial risks are easily generated. For example, some lenders may not be able to use a certain type of funds at one lending institution, but may be able to use that type of funds at another lending institution.

Please refer to fig. 1. The embodiment of the specification provides a data processing system. The data processing system may include a terminal device and a blockchain network. The terminal device may be a transfer-in oriented device. The terminal device includes but is not limited to a smart phone, a tablet electronic device, a portable computer, a desktop computer, a smart wearable device, and the like. The blockchain network may include a plurality of node devices set up by a plurality of agencies. The institution may include a banking institution, a third party payment institution, or the like. The terminal device may communicate with a node device in a blockchain network. The node device comprises a server and the like.

Each organization can set the name list data according to the business requirement of the organization. The roster data set by different agencies may be the same or different. The roster data may be used to constrain resource transfer operations. After the list data is set, the server corresponding to the mechanism may perform uplink processing on the set list data. Through the block chain, the sharing of the list data among different institutions can be realized, so that the financial risk is favorably reduced.

In practical application, the terminal device may send a resource transfer request to a node device in a blockchain network, where the resource transfer request may include a transfer-in party identifier. The node device may receive a resource transfer request; the transfer-in party identification can be inquired in a plurality of list data on the block chain; the resource transfer request can be correspondingly processed according to the query result to obtain a processing result; the processing result may be fed back to the terminal device. The terminal device may receive the processing result.

The embodiment of the specification provides a data processing method based on a block chain. The method may be applied to a server. The server may be set up by the lending institutions. The server may join the blockchain network as a node device.

Please refer to fig. 2 and fig. 3. The method may include the following steps.

Step S11: a resource transfer request is received.

In some embodiments, the resource transfer request is for requesting transfer of a resource. The resources may include commemorative coins, credits, coupons, funds, and the like. The resource transfer request may include a transfer-in party identification. The transfer-in party identifier is used for identifying a transfer-in party of the resource data. The transfer-in party may include an individual, a business, a government agency, etc. The transferred party identifier may include an account of the transferred party, an identification number of the transferred party, and the like. Of course, the resource transfer request may also include other contents. For example, the resource transfer request may further include a transfer-out party identifier, resource data to be transferred, a service type identifier, and the like. The roll-out identification may be used to identify a roll-out of the resource data. The roll-out parties may include individuals, businesses, government agencies, and the like. The transferor identification may include an account of the transferor, an identification number of the transferor, and the like. The resource data to be transferred may include a commemorative coin amount, a point value, a coupon value of a coupon, a fund amount, and the like. The service type identifier may be used to identify a service type corresponding to the resource transfer request. The type of service may include loans, remittance, foreign exchange purchases, etc.

The resource transfer request may include a loan request. Accordingly, the transferring-in party may comprise a lender. The transfer-out party may comprise a depositor. The institution may include a lending institution. Of course, the resource transfer request may also be other types of requests. For example, the resource transfer request may also include a remittance request, a foreign exchange purchase request, and the like.

In some embodiments, the terminal device may send a resource transfer request to a server. The server may receive a resource transfer request. For example, the terminal device may provide a resource transfer interface. The user can input the transfer-in party identifier, the transfer-out party identifier and the resource data to be transferred in the resource transfer interface. The terminal equipment can receive the transfer-in party identification, the transfer-out party identification and the resource data to be transferred; a resource transfer request may be sent to the server upon detecting the triggering instruction. The server may receive a resource transfer request. The trigger instruction may be generated after detecting that a control is pressed, clicked, double-clicked, or stroked. The controls may include physical controls, virtual controls, and the like.

Step S13: and inquiring the identification of the transfer party in a plurality of list data on the block chain.

In some embodiments, the plurality of roster data is set by a plurality of agencies. The server corresponding to each mechanism can set list data; the configured list data may be subjected to uplink processing. The roster data may include at least one identification. The identity is used for identifying identity. The identification may include an account, an identification number, and the like. Of course, the roster data may also include other content, such as a service type identification. The service type identification and the identity identification have a corresponding relation.

In some embodiments, the roster data may be used to constrain resource transfer operations. The roster data may include blacklist data. The blacklist data may be used to constrain resource transfer operations.

Step S15: and correspondingly processing the resource transfer request according to the query result.

Step S17: and feeding back a processing result.

In some embodiments, the server may query the forwarding party identifier in a plurality of list data on the blockchain. The plurality of roster data may be set by a plurality of agencies. Therefore, the transfer party identification is inquired in the list data of a plurality of organizations.

In some embodiments, if the transfer-in party identifier is queried in one or more blacklist data, the server considers that the transfer-in party identifier should be restricted; the resource transfer operation requested by the resource transfer request may be denied execution. Further, if the transferring-in party identifier is inquired in one or more blacklist data, and the service type identifier corresponding to the inquiring party identifier in the blacklist data is the same as the service type identifier in the resource transfer request, the server considers that the transferring-in party identifier is restricted; the resource transfer operation requested by the resource transfer request may be denied execution.

The server may generate a first prompt; the first prompt message may be sent to the terminal device. The terminal device may receive the first prompt message. The first prompt message is used for indicating the resource transfer failure. Or for the limited transfer party, a plurality of mechanisms can jointly release the service suitable for the transfer party and recommend the service to the transfer party, so that the experience of the transfer party is improved. Specifically, the server may obtain a service identifier adapted to the identifier of the transfer-in party; the service identity may be sent to the terminal device. The service identity may be used to identify a service. For example, the service identifier may include a link address, a two-dimensional code, and the like for applying for the service. The terminal device may receive a service identity. After detecting the preset operation for the service identifier, the terminal device may send a service processing request to a server. The server may receive a service processing request; the service operation requested by the service processing request can be executed; the corresponding processing result can be fed back to the terminal device.

In some embodiments, if no transferring-in party identifier is queried in any of the plurality of blacklist data, the server considers that the transferring-in party identifier is not restricted; the resource transfer operation requested by the resource transfer request may be performed. Or, if the transfer party identifier is queried in one or more blacklist data, and the service type identifier corresponding to the query party identifier in the blacklist data is different from the service type identifier in the resource transfer request, the server considers that the transfer party identifier is not restricted; the resource transfer operation requested by the resource transfer request may be performed. For example, the server may transfer resource data from the transferring party account to the transferring party account.

The server may generate a second prompt; the second prompting message can be sent to the terminal device. The terminal device may receive the second prompt message. The second prompt message is used for indicating that the resource transfer is successful.

In some embodiments, the roster data may include white list data.

If the transfer-in party identifier is inquired in one or more white list data, the server considers that the transfer-in party identifier is not restricted, and can execute the resource transfer operation requested by the resource transfer request. For example, the server may transfer resource data from the transferring party account to the transferring party account. The server may generate a second prompt; the second prompting message can be sent to the terminal device. The terminal device may receive the second prompt message. The second prompt message is used for indicating that the resource transfer is successful. If the transfer-in party identification is not inquired in the white list data, the server considers that the transfer-in party identification is restricted; the resource transfer operation requested by the resource transfer request may be denied execution. The server may generate a first prompt; the first prompt message may be sent to the terminal device. The terminal device may receive the first prompt message. The first prompt message is used for indicating the resource transfer failure.

The data processing method based on the block chain in the embodiment of the present specification may receive a resource transfer request, where the resource transfer request includes a transfer-in party identifier; the method comprises the steps that a transfer-in party identifier can be inquired in a plurality of list data on a block chain, wherein the list data are set by a plurality of mechanisms; the resource transfer request can be correspondingly processed according to the query result; the processing result may be fed back. Through the block chain, the sharing of the list data among different mechanisms can be realized. Therefore, the transferring-in party identification can be inquired in a plurality of list data on the block chain, and the financial risk is favorably reduced.

Please refer to fig. 4. The embodiment of the specification provides a data processing device based on a block chain, which comprises the following units.

A receiving unit 21, configured to receive a resource transfer request, where the resource transfer request includes a transfer-in party identifier;

the query unit 23 is configured to query the forwarding party identifier in a plurality of list data of the block chain, where the plurality of list data are set by a plurality of organizations;

the processing unit 25 is configured to perform corresponding processing on the resource transfer request according to the query result;

and a feedback unit 27 for feeding back the processing result.

One embodiment of a computer apparatus of the present specification is described below. Fig. 5 is a hardware configuration diagram of the computer device in this embodiment. As shown in fig. 5, the computer device may include one or more processors (only one of which is shown), memory, and a transmission module. Of course, those skilled in the art will appreciate that the hardware configuration shown in fig. 5 is only an illustration, and is not intended to limit the hardware configuration of the computer device. In practice the computer device may also comprise more or fewer component elements than those shown in fig. 5; or have a different configuration than that shown in figure 5.

The memory may comprise high speed random access memory; alternatively, non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory may also be included. Of course, the memory may also comprise a remotely located network memory. The memory may be used to store program instructions or modules of application software, such as the program instructions or modules of the corresponding embodiments of fig. 2 of this specification.

The processor may be implemented in any suitable way. For example, the processor may take the form of, for example, a microprocessor or processor and a computer-readable medium that stores computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller and embedded microcontroller, and so forth. The processor may read and execute the program instructions or modules in the memory.

The transmission module may be used for data transmission via a network, for example via a network such as the internet, an intranet, a local area network, a mobile communication network, etc.

This specification also provides one embodiment of a computer program product. The computer program product may include a computer storage medium. The computer storage medium includes, but is not limited to, a Random Access Memory (RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard Disk (HDD), a Memory Card (Memory Card), and the like. The computer storage medium stores computer program instructions. The computer program instructions when executed implement: the program instructions or modules of the embodiments corresponding to fig. 2 in this description.

It should be noted that, in the present specification, each embodiment is described in a progressive manner, and the same or similar parts in each embodiment may be referred to each other, and each embodiment focuses on differences from other embodiments. In particular, apparatus embodiments, computer device embodiments, and computer program product embodiments are substantially similar to method embodiments and therefore are described with relative ease, where reference may be made to some of the descriptions of the method embodiments. In addition, it is understood that one skilled in the art, after reading the present specification, may conceive of any combination of some or all of the embodiments listed in the present specification without any inventive step, and such combinations are also within the scope of the disclosure and protection of the present specification.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

From the above description of the embodiments, it is clear to those skilled in the art that the present specification can be implemented by software plus a necessary general hardware platform. Based on such understanding, the technical solutions of the present specification may be essentially or partially implemented in the form of software products, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and include instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments of the present specification.

The description is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

While the specification has been described with examples, those skilled in the art will appreciate that there are numerous variations and permutations of the specification that do not depart from the spirit of the specification, and it is intended that the appended claims include such variations and modifications that do not depart from the spirit of the specification.

Claims

1. A data processing method based on a block chain comprises the following steps:

according to the query result, correspondingly processing the resource transfer request;

and feeding back a processing result.

2. A method according to claim 1, said resource transfer request comprising a loan request, said transferor identification comprising an identification of a lender, said institution comprising a lending institution.

3. The method of claim 1, the roster data comprising blacklist data;

the processing the resource transfer request includes:

if the transfer party identification is inquired in the blacklist data, refusing to execute the resource transfer operation requested by the resource transfer request;

the feedback processing result comprises:

feeding back first prompt information, wherein the first prompt information is used for indicating resource transfer failure.

4. The method of claim 1, the roster data comprising blacklist data;

the processing the resource transfer request includes:

the feedback processing result comprises:

acquiring a service identifier matched with the transfer-in party identifier;

and feeding back the service identification.

5. The method of claim 1, the roster data comprising blacklist data;

the processing the resource transfer request includes:

if the transfer-in party identification is not inquired in the blacklist data, executing the resource transfer operation requested by the resource transfer request;

the feedback processing result comprises:

and feeding back second prompt information, wherein the second prompt information is used for indicating that the resource transfer is successful.

6. The method of claim 1, further comprising:

after detecting that the list data in the block chain is updated, acquiring a transfer-in party identifier in the updated list data as a reference transfer-in party identifier; querying the transacted business associated with the reference transfer-in party identifier;

and carrying out early warning on the inquired service.

7. The method of claim 1, wherein the plurality of roster data is maintained on the blockchain by:

a server corresponding to the mechanism is used as node equipment to join the block chain network;

and setting the list data by a server corresponding to the mechanism, and carrying out uplink processing on the set list data.

8. A blockchain-based data processing apparatus comprising:

the system comprises a query unit, a forwarding party identification query unit and a forwarding party identification query unit, wherein the query unit is used for querying forwarding party identifications in a plurality of list data of a block chain, and the list data are set by a plurality of mechanisms;

and the feedback unit is used for feeding back the processing result.

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of any one of claims 1 to 7 when executing the computer program.

10. A computer program product comprising a computer program which, when executed by a processor, implements the method of any one of claims 1 to 7.