CN115293918A - Cloud communication asset inter-row re-insurance method and system based on block chain - Google Patents
Cloud communication asset inter-row re-insurance method and system based on block chain Download PDFInfo
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Abstract
The invention provides a block chain-based cloud letter asset cross-row re-insurance method and a block chain-based cloud letter asset cross-row re-insurance system, wherein the method is used for realizing that a insurance bank transfers cloud letter assets held by the insurance bank to a re-insurance bank, the implementation of the method is based on an electronic channel cloud letter asset management platform and a cross-row re-insurance alliance chain, the cross-row re-insurance alliance chain is provided with insurance bank nodes and re-insurance bank nodes, and the method comprises the following steps: the method comprises an application step, a document uplink applying step, an auditing step and an uplink result step. The invention can carry out uplink storage on the asset transfer application, the asset package data and the like according to time sequence interaction, thereby ensuring the data security of the inter-bank re-warranty service.
Description
Technical Field
The invention relates to the field of block chains, in particular to a block chain-based cloud communication asset inter-row re-insurance method and system.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The receivable accounts are the money that the enterprise should collect from the purchasing unit due to the business of selling goods, products, providing labor and the like in the normal operation process, and include tax due to the purchasing unit or the receiving labor unit, various transportation and miscellaneous fees paid by the purchasing unit. Accounts receivable is a debt that forms with the occurrence of sales activities of the enterprise. The accounts receivable includes the claims that have occurred and that will occur in the future.
The receivable financing mode is a credit financing mode essentially, and in the field of supply chain finance, the receivable financing mode refers to that payers such as suppliers conditionally transfer or credit receivable funds formed by credit on account to special financers such as financial institutions, so that enterprises with credit on account can obtain required funds, and fund turnover is enhanced.
At the present stage, along with the deepening of the marketization process of interest rate, in order to support the steady increase of the entity economy, the capital level is gradually loosened, and the capital price of the same industry is continuously descended. But as a reverse warranty to supply chain financing, only a single bank's own funds can be used. Due to the limitation of the fund supply side, the financing cost of the supply chain cannot be synchronously descended, the descending dividend of the financing rate cannot be rapidly conducted to small and medium-sized enterprises in the entity, and the support effect of the financial end on the entity supply chain is weakened.
Under the internet era, the problem of real world physical asset transfer cannot be solved by a network, a complex and huge credit system needs to be constructed for transmitting data, information and value among multiple mechanisms to prevent the possibility of stealing data by artificial tampering, but the internal wind control risk still exists in the credit system under a centralized data storage mode.
Disclosure of Invention
In view of this, embodiments of the present invention provide a block chain-based cloud asset inter-row re-insurance method and system, so as to eliminate or improve one or more defects in the prior art.
The technical scheme of the invention is as follows:
according to one aspect of the invention, a block chain-based cloud-based trust asset cross-bank re-insurance method is provided, the method is used for realizing that a policy bank transfers cloud-based trust assets held by the policy bank to a re-policy bank, the method is implemented based on an electronic channel cloud-based trust asset management platform and a cross-bank re-insurance federation chain, the cross-bank re-insurance federation chain is provided with a policy bank node and a re-policy bank node, and the method comprises the following steps:
applying: the insurance agency bank node provides an asset transfer application on the cloud communication asset management platform, wherein the asset transfer application is cloud communication assets held by an insurance agency bank;
a file chaining step: the cloud information asset management platform uploads asset package data related to the asset transfer application to the inter-bank re-insurance alliance chain, and after the inter-bank re-insurance alliance chain receives the asset package data, the inter-bank re-insurance alliance chain converts the asset package data into a hash value through a hash algorithm and returns the hash value to the cloud information asset management platform;
applying for uplink: the cloud communication asset management platform adds the hash value in the asset transfer application and uploads the asset transfer application with the hash value to the cross-bank re-insurance alliance chain;
an auditing step: the cloud communication asset management platform also pushes the asset transfer application to the re-insurance management bank, and the re-insurance management bank conducts auditing;
a step of uplink result: and if the repayment authority passes the examination and verification, uploading an examination result and a payment notification to the inter-authority repayment alliance chain, and sending the examination result and the payment notification to the repayment authority by the cloud communication asset management platform.
In some embodiments, the cloud-trusted asset is an accounts receivable asset that is authenticated on the cloud-trusted asset management platform based on the cross-bank reinsurance federation chain.
In some embodiments, the blockchain service module of the cloud asset management platform may push the asset transfer application, the asset information, and the asset bundle information to the cross-bank reinsurance federation chain as MQ messages through the extended external application programming interface.
In some embodiments, the cross-bank re-insurance alliance chain utilizes a contract layer to write the received asset transfer application, the received asset package data and the received asset transfer application into a block chain insurance manager node, and obtains block chain evidence storage information;
and the cross-row re-insurance alliance chain utilizes a consensus layer to synchronize the block chain certification information of the block chain re-insurance line node to the block chain re-insurance line node.
In some embodiments, the cross-line re-insurance federation chain http-notifies the cloud asset management platform of uplink processing results.
In some embodiments, the asset transfer application is accompanied by asset pack data and asset information;
the asset pack data comprises: asset pack number, repayment service agreement number, policy holder, repayment holder, asset quantity, asset pack amount, credit risk guarantee letter, inter-bank repayment service cooperation agreement and invoice;
the asset information includes: cloud letter number, cloud letter amount, cloud letter opening cube, promised payment day, original policy number.
In some embodiments, the cloud asset management platform comprises: the system comprises an asset transferring-out module, an asset transferring-in module, a platform auditing module and a block chain service module;
the asset transfer-out module is suitable for a node of a warranty bank so that the warranty bank can screen the cloud assets on the module, upload the related accessories required by the re-warranty bank and provide an asset transfer application of cross-bank re-warranty on the module;
the platform auditing module is suitable for an intermediate manager node so that the intermediate manager can audit the integrity and authenticity of the asset package data related to the asset transfer application;
the block chain service module is used for a data docking window and a transmission channel of a cloud communication asset management platform and a cross-row re-insurance union chain;
the asset transfer module is suitable for a re-insurance agency node so that a re-insurance agency checks the state of an asset package and re-insurance agency examination in the module.
In some embodiments, the block chain service module uploads the asset transfer application and asset package data to the inter-row re-insurance alliance chain through a timing task; and after receiving a successful deposit notification of the repayment bank sent by the cross-bank repayment alliance chain, the block chain service module also sends the successful deposit notification to the repayment bank through a timing task.
According to another aspect of the invention, a block chain-based cloud communication asset cross-bank re-insurance system is also provided, and the system comprises a cloud communication asset management platform and a cross-bank re-insurance alliance chain, wherein the cross-bank re-insurance alliance chain is provided with insurance line nodes and re-insurance line nodes;
the cloud communication asset management platform comprises: the system comprises an asset transferring-out module, an asset transferring-in module, a platform auditing module and a block chain service module;
the asset transfer-out module is used for a guarantee organization to put forward an asset transfer application, wherein the asset transfer application is a cloud communication asset held by the guarantee organization;
the asset transfer module is used for a re-insurance organization to check the status of the asset package and review re-insurance management in the module;
the block chain service module is a data docking window and a transmission channel of a cloud communication asset management platform and a cross-bank re-insurance alliance chain, is used for uploading asset package data related to the asset transfer application to the cross-bank re-insurance alliance chain, and is also used for receiving a hash value auditing result and a payment notification returned by the cross-bank re-insurance alliance chain.
According to yet another aspect of the present invention, a computer-readable storage medium is also provided, on which a computer program is stored which, when being executed by a processor, carries out the steps of the aforementioned method.
The invention discloses a block chain-based cloud communication asset inter-bank re-insurance method and system, wherein the cloud communication asset inter-bank re-insurance is a brand-new cooperative mode of a commercial bank, the advantages complementation, information sharing and resource planning of an insurance bank and a re-insurance bank are realized, on one hand, a new fund end channel is opened, the running water is further introduced to an entity enterprise, and the supply chain financing coverage is enlarged; on the other hand, the method can release the mobility of the bank, becomes a new business growth point, and improves the capacity, efficiency and value of a bank accurate service industry chain and a supply chain by innovating financial products.
The method realizes the transfer of the credit of the cloud credit assets among banks based on the block chain. By means of a block chaining evidence storage technology, platform cloud communication service data are chained and distributed for storage in real time, so that the requirement of cross-bank re-warranty related parties for gradual penetration of re-warranty assets is met, and cross-bank re-warranty services are enabled to meet regulatory compliance requirements better.
Additional advantages, objects, and features of the invention will be set forth in part in the description which follows and in part will become apparent to those having ordinary skill in the art upon examination of the following or may be learned from practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
It will be appreciated by those skilled in the art that the objects and advantages that can be achieved with the present invention are not limited to the specific details set forth above, and that these and other objects that can be achieved with the present invention will be more clearly understood from the detailed description that follows.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principle of the invention. The components in the figures are not necessarily to scale, emphasis instead being placed upon illustrating the principles of the invention. For purposes of illustrating and describing some portions of the present invention, corresponding parts of the drawings may be exaggerated, i.e., may be larger, relative to other components in an exemplary apparatus actually manufactured according to the present invention. In the drawings:
fig. 1 is a schematic flow chart of a cloud communication asset life cycle in an embodiment of the present invention.
Fig. 2 is a diagram illustrating a cross-row re-insurance alliance chain in an embodiment of the invention.
Fig. 3 is a block diagram of a block chain-based cloud communication asset cross-bank re-insurance method according to an embodiment of the present invention.
Fig. 4 is a timing uplink interaction diagram of applying uplink and file uplink in a cloud communication asset inter-bank re-warranty method according to an embodiment of the present invention.
Fig. 5 is a schematic diagram illustrating components of modules of the cloud asset management platform according to an embodiment of the present invention.
FIG. 6 is an architecture diagram of a cross-row re-insurance alliance chain in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the following embodiments and the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
It should be noted that, in order to avoid obscuring the present invention with unnecessary details, only the structures and/or processing steps closely related to the scheme according to the present invention are shown in the drawings, and other details not so relevant to the present invention are omitted.
It should be emphasized that the term "comprises/comprising" when used herein, is taken to specify the presence of stated features, elements, steps or components, but does not preclude the presence or addition of one or more other features, elements, steps or components.
It is also noted herein that the term "coupled," if not specifically stated, may refer herein to not only a direct connection, but also an indirect connection in which an intermediate is present.
Hereinafter, embodiments of the present invention will be described with reference to the drawings. In the drawings, the same reference numerals denote the same or similar parts, or the same or similar steps.
In the field of supply chain finance, core enterprises, banks and other enterprises with capital strength in a supply chain gradually informationize the financial business of the whole supply chain through a computer informatization platform, and an informatization platform is constructed through technologies such as a visual network platform, a centralized database, HTTP network communication and the like. However, in the centralized database mode, the bank and the bank in which the inter-bank reinsurance business participates cannot hold own data, and the data owner is a network platform. The information platform highly depends on a credit mechanism, each participant must trust the network platform, and the network platform is opaque to the operation of holding data, so that the data is easy to be distorted, the supervision is poor, the reliability is low, and the supervision requirement is difficult to meet. Therefore, the cross-row re-insurance service in the invention adopts a block chain-based cross-row re-insurance alliance chain.
The invention discloses a block chain-based cloud communication asset inter-bank re-insurance method and system, wherein the cloud communication asset inter-bank re-insurance is a brand-new cooperative mode of a commercial bank, the advantages complementation, information sharing and resource planning of an insurance bank and a re-insurance bank are realized, on one hand, a new fund end channel is opened, the running water is further introduced to an entity enterprise, and the supply chain financing coverage is enlarged; on the other hand, the method can release the mobility of the bank, becomes a new business growth point, and improves the capacity, efficiency and value of a bank accurate service industry chain and a supply chain by innovating financial products.
The method realizes the credit transfer of the cloud credit assets among banks based on the block chain. By means of a block chaining evidence storage technology, platform cloud communication service data are linked up and distributed for storage in real time, so that the requirement of cross-row re-warranty related parties for gradually penetrating re-warranty assets is met, and cross-row re-warranty services are enabled to meet the regulatory compliance requirements better.
The cloud trust assets are enterprise credits circulated on a cloud trust platform (cloud trust asset management platform), and a large enterprise group (core enterprise) converts high-quality enterprise credits into an innovative financial service which can be circulated, financed and flexibly configured through the cloud trust platform. The cloud communication has the characteristics of safety, high efficiency and real-time performance. The cloud credit is also optional, and small and medium-sized enterprises in the industry chain can transfer, finance or hold the received cloud credit through the cloud credit platform within the cloud credit limit.
In other words, the cloud letter asset can also be regarded as an accounts receivable (a payment acceptance letter), and more specifically, the cloud letter asset in the present invention is an accounts receivable asset that is based on the cross-bank reauthorization federation chain and that is authorized on the cloud letter asset management platform. As shown in fig. 1, fig. 1 is a schematic flow chart of a cloud communication asset life cycle in an embodiment of the present invention. The intermediate management party gives credit to the core enterprise, the core enterprise opens cloud credit on the cloud credit platform and pays the cloud credit to the supplier enterprise, and the supplier can also pay the cloud credit asset to other suppliers or pay the bank by the cloud credit asset.
The inter-bank re-insurance scheme of the invention is that one commercial bank (insurance bank) transfers the cloud communication assets held by the commercial bank to another commercial bank (re-insurance bank). Of course, the chain of cross-bank reinsurance unions described herein may include multiple commercial banks, where the multiple banks may be branch banks of the same bank in different regions, or a head office and local branch banks of the same bank.
The inter-row re-insurance alliance chain is also a block chain technology, and is specifically a distributed database, and data stored by each node participating in block chain behavior is identified to keep data consistency. To facilitate understanding of the cross-row and then-care alliance link in the present invention, the blockchain technique employed in the present application is first illustrated. In some embodiments, an electronic device runs the blockchain technique to become a node of the blockchain network, the blockchain platform infrastructure including a presentation layer, an application layer, a service layer, and a blockchain core support module of a blockchain.
The display layer is used for displaying system functions so as to realize user interaction, and each file main body can log in an interface displayed by the corresponding display layer through a system client to access the application layer so as to acquire information resources, wherein the interface comprises a registration interface, an operation execution interface, a query interface, an application management interface, an administrator interface and the like.
The application layer is used for displaying specific functions of the block chain network, is an important link of file storage, and can be divided into user management, authority control, directory management and the like according to different functions.
The service layer is used for effectively integrating and managing application related functions through the distributed servers, such as user registration, user identity management, encryption and decryption services, distributed ledger services, intelligent contract services, data management services and the like.
The block chain core support module comprises a data layer, a network layer, a consensus layer and a contract layer. The data layer is used for encapsulating underlying data blocks and related data encryption and time stamping technologies.
The network layer encapsulates elements such as a P2P networking mode, a message transmission protocol, a data verification mechanism and the like of the block chain network system, so that the nodes are equal in status and mutually communicated and communicated in a flat topological structure, and the system has the characteristics of distribution, autonomy, openness, free access and the like.
Each node in the block chain network can participate in the checking and accounting process of the block data, and the block chain can be recorded only after the block data passes verification of most nodes in the whole network. The decentralized design certificate file data of the block chain cannot be tampered and forged. And the consensus layer encapsulates a method for rapidly completing consensus in a topological network with highly dispersed decision weights so as to participate in a consensus mechanism of the block chain network.
The contract layer encapsulates contract codes with data access strategies, automatically executes corresponding transactions when conditions in the contract codes are triggered, and simultaneously can access corresponding data through corresponding access conditions specified by contract contents.
According to an aspect of the present invention, there is provided a block chain-based cloud-based asset cross-bank re-insurance method, as shown in fig. 3 and 4, for enabling a policy bank to transfer cloud-based assets held by the policy bank to a re-policy bank, implementing an electronic channel-based cloud-based asset management platform and a cross-bank re-insurance federation chain having a policy bank node and a re-insurance bank node, the method including the steps of:
applying: the asset transfer application is provided by the insurance bank node on the cloud trust asset management platform, and is cloud trust assets held by the insurance bank;
a file uplink step: the cloud information asset management platform uploads asset package data related to the asset transfer application to the inter-bank re-insurance alliance chain, and after the inter-bank re-insurance alliance chain receives the asset package data, the inter-bank re-insurance alliance chain converts the asset package data into a hash value through a hash algorithm and returns the hash value to the cloud information asset management platform; it is understood that the uplink of the document herein refers to the document of the asset package data, such as the protocol, invoice, etc.
Applying for uplink: the cloud communication asset management platform adds the hash value in the asset transfer application and uploads the asset transfer application with the hash value to the cross-bank re-insurance alliance chain;
auditing step: the cloud communication asset management platform pushes the asset transfer application to the re-insurance management bank, and the re-insurance management bank conducts auditing;
a step of uplink result: and if the repayment authority passes the verification, uploading a verification result and a payment notification to the inter-authority repayment union chain, and sending the verification result and the payment notification to the insurance authority by the cloud communication asset management platform.
In this embodiment, the cross-row reauthentication federation chain is a blockchain for the various participants, whose bodies may be core enterprises, vendors at various levels, banks, and intermediate platforms, among others. The inside of the alliance chain designates a plurality of preselected nodes as a bookkeeper, and the change of data on each blockchain is jointly determined by all the preselected nodes. Data among block link points in the alliance chain can be transmitted without resistance, and different alliance chains cannot be directly communicated.
For the present invention, as shown in fig. 2, the participants mainly include a warranty bank, a re-warranty bank and a cloud communication platform (cloud communication asset management platform), and the federation chain has a warranty bank node, a re-warranty bank node and an intermediate manager node. It should be understood that "uplink" in the present invention refers to the action of storing data into the block chain. The cross-row re-insurance alliance chain is a distributed database, and data or information stored in the distributed database has the characteristics of being unforgeable and traceable.
In the above embodiment, the above hash value is an output result obtained by converting an input of an arbitrary length into a fixed length by a hash algorithm (hash encryption algorithm). The hash algorithm is a function for changing an input message string with any length into an output string with a fixed length, and the input string is difficult to obtain from the output string.
According to the cloud communication asset inter-bank re-insurance method based on the block chain, the asset transfer application, the asset package data and the like can be interactively subjected to uplink storage according to the time sequence, and the data security of the inter-bank re-insurance service is guaranteed.
In some embodiments, all data is present on the chain of the inter-bank re-insurance alliance, and the asset transfer application may be accompanied by asset information and asset package data.
The asset information may include: cloud letter number, cloud letter amount, cloud letter opening cube, promised payment day, original warranty and the like; the cloud letter development cube, namely the core enterprise, namely the debtor, needs to pay on the promised payment date. In other embodiments, asset information may also include trade background information, warranty equivalents, and the like.
The asset pack data comprises: asset package number, reinsurance service agreement number, policy holder, reinsurance holder, asset quantity, asset package amount, credit risk guarantee, cross-line reinsurance service cooperation agreement, and invoice. In the cross-bank reauthentication business mode, the reauthentication party is the final creditor. In other embodiments, the asset pack data may also include an accounts receivable transfer notification, a final repayment statement, and the like.
Further, the various data can be divided into: the system comprises structured data such as cloud communication asset data, payment results, repayment clearing information and the like, and unstructured data such as protocols, invoices and the like. For the structured data, all the nodes are stored; for unstructured data, the unstructured data can be stored in a file cache center or a database, basic information such as hash values, file paths, file names and the like of the unstructured data can be stored in a block chain, and whether the unstructured data are tampered or not can be verified through the hash values.
The embodiment of the invention can realize data sharing of each node through a distributed account book and a consensus mechanism, ensure data authenticity, provide all functions or part of functions of the distributed account book by each node, realize consensus as a calculation method adopted for achieving agreement among all nodes of the distributed account book system, and realize common management and sharing of the distributed account book in a network consisting of a plurality of nodes, different geographic positions or a plurality of mechanisms.
In some embodiments, as shown in fig. 5, the cloud asset management platform may comprise: the system comprises an asset transferring-out module, an asset transferring-in module, a platform auditing module, a block chain service module, an inquiry module and the like.
Wherein, the asset roll-out module is suitable for a warranty line node. Optionally, the warranty agency can screen the cloud communication assets on the asset transfer-out module, upload related protocols, materials and other accessories required by the re-warranty agency, and provide an asset transfer application of cross-agency re-warranty on the module. For example, the relevant agreement may be a cross-line reauthorization service collaboration agreement (typically signed by both parties offline), a credit risk guarantee, and the like.
In the above embodiment, the platform auditing module is adapted to the auditing work of the intermediate manager. Optionally, the intermediate manager may check integrity and authenticity of the data of the asset pack, for example, whether a contract and an invoice required in the process of issuing the cloud letter are true and valid, and these checking operations may be automatically checked by the platform or may be manually checked. Alternatively, the auditing step of the intermediate manager can be a necessary step before the auditing of the re-underwriting bank, that is, the cloud communication asset transfer application of the underwriting bank can enter the re-underwriting bank stage only after the auditing of the intermediate manager is qualified.
Further, in the platform auditing module, some asset package data, such as credit risk guarantee bond, credit risk guarantee bond (guarantor) and inter-bank re-insurance business cooperation agreement and other attachments can be downloaded and viewed (for auditing); the platform auditing module can also record auditing record information of the asset transfer application, and the auditing record can comprise: platform audit, repayment bank payment pass/fail and the like.
Further, if the platform audit of a certain asset transfer application passes, the asset state of the asset transfer application is automatically executed through a timing task, and the status is updated from 'audit processing' to're-insurance management auditing'.
In the above embodiment, on the cloud-trusted asset management platform, the intermediate manager may also be used as a block node of the inter-bank repayment union chain and is responsible for recording the latest holder of the cloud-trusted asset in the "final repayment statement", and the creditor of the "final repayment statement" may automatically change along with the circulation of the cloud-trusted asset, that is, automatically change to; and sending an accounts receivable transfer notification to the debtors (i.e., core enterprises) of the cloud asset to ensure that the credit transfer notification reaches the debtors. The debtor needs to clear the debt on the payment acceptance date, i.e. under the inter-bank re-insurance business, the accounts payable is transferred to the re-insurance bank. Or the debtor can also designate a cooperative counting bank on the platform, and the cooperative counting bank executes the operation from counting to the re-insurance bank. The debtor can know which party the cloud credit assets are transferred to on the cloud credit asset management platform.
In the above embodiment, the blockchain service module is used for the data docking window and the transmission channel of the cloud asset management platform and the cross-row reauthentication alliance chain. Optionally, the asset transfer-out module, the platform auditing module, and the like may push the asset transfer application, the asset information, the asset package data, and the like to the blockchain service module in an MQ message manner; optionally, the blockchain service module pushes the information to the cross-row re-insurance federation chain in the form of MQ messages. Similarly, the blockchain service module may also push the received information such as the hash value and the uplink processing result of the blockchain service module to other modules of the cloud asset management platform.
In the above embodiment, the asset transfer module is adapted to a reauthorization bank node, and the reauthorization bank may view the asset status in the module, optionally, the asset status may include: and auditing by a re-insurance agency, paying by the re-insurance agency, successfully transferring and the like. The asset package data for all states can be viewed for asset details and asset package download operations.
In the above embodiments, the query module is adapted for the underwriter nodes, the re-underwriter nodes and the intermediate manager nodes, as well as for the nodes of the involved cloud trust opening cubes (core enterprises or debtors), each of which can see the current holder of the cloud trust asset on the query module; some nodes can also inquire the asset information, the asset package information and the like on the inquiry module. Alternatively, each party may query the query module for the various structured and unstructured data involved in the asset transfer application.
In some embodiments, a blockchain service module of the cloud asset management platform may push asset transfer applications, asset information, and asset bundle information to a cross-bank reinsurance federation chain in MQ messages through an extended outbound Application Programming Interface (API).
In some embodiments, the re-insurance federation chain returns the hash value and the uplink processing result to the cloud asset management platform in an http manner. For example, the uplink notification result may include: and data such as a filing notification, a financing notification, a receipt notification, an asset transfer application result, a money placement result notification and the like.
In some embodiments, the block chain service module uploads the asset transfer application and asset package data to the inter-row re-insurance alliance chain through a timing task; optionally, the execution interval time of the timed task is 1 to 5min, preferably 2min.
Further, after receiving the successful deposit notification of the re-insurance bank sent by the cross-bank re-insurance alliance chain, the block chain service module also sends the successful deposit notification to the insurance bank through a timing task. Optionally, the execution interval time of the timed task is 1 to 5min, preferably 2min.
Further, after the platform auditing module of the cloud communication asset management platform passes, the creditor file can be automatically generated with a timing task, such as a final repayment statement. Optionally, the creditor files are all stored in the chain.
As shown in fig. 6, after the inter-bank re-insurance service of a certain cloud asset is completed, the cloud asset needs to be synchronously registered in a china trade financial inter-bank transaction block chain platform service system (CTFU).
The cloud letter asset inter-row re-insurance method based on the block chain can support insurance rows and re-insurance rows to realize transfer flow based on cloud letter assets on a cloud letter asset management platform. For the cloud communication assets in the inter-bank re-insurance service, chain storage of the digital assets is achieved, and life cycle management of the cloud communication assets is achieved based on the block chain.
According to another aspect of the invention, a block chain-based cloud communication asset cross-bank re-insurance system is also provided, and the system comprises a cloud communication asset management platform and a cross-bank re-insurance alliance chain, wherein the cross-bank re-insurance alliance chain is provided with insurance line nodes and re-insurance line nodes;
the cloud communication asset management platform comprises: the system comprises an asset transferring-out module, an asset transferring-in module, a platform auditing module and a block chain service module;
the asset transfer-out module is used for providing an asset transfer application for a warranty bank, wherein the asset transfer application is a cloud communication asset held by the warranty bank;
the asset transfer module is used for a re-insurance organization to check the status of the asset package and review re-insurance management in the module;
the block chain service module is a data docking window and a transmission channel of a cloud communication asset management platform and a cross-bank re-insurance alliance chain, is used for uploading asset package data related to the asset transfer application to the cross-bank re-insurance alliance chain, and is also used for receiving a hash value auditing result and a payment notification returned by the cross-bank re-insurance alliance chain.
According to yet another aspect of the invention, a computer-readable storage medium is also provided, on which a computer program is stored which, when being executed by a processor, carries out the steps of the aforementioned method.
Those of ordinary skill in the art will appreciate that the various illustrative components, systems, and methods described in connection with the embodiments disclosed herein may be implemented as hardware, software, or combinations of both. Whether this is done in hardware or software depends upon the particular application and design constraints imposed on the solution. 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 invention. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the invention are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranets, etc.
It should be understood that, although the steps in the drawings are shown in sequence as indicated by the arrows, the steps are not necessarily performed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in the figures may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least some of the sub-steps or stages of other steps.
The software may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
Features that are described and/or illustrated with respect to one embodiment may be used in the same way or in a similar way in one or more other embodiments and/or in combination with or instead of the features of the other embodiments in the present invention.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A block chain-based cloud trust asset cross-row re-insurance method is characterized in that the method is used for realizing that a insurance bank transfers cloud trust assets held by the insurance bank to a re-insurance bank, the implementation of the method is based on an electronic channel cloud trust asset management platform and a cross-row re-insurance alliance chain, the cross-row re-insurance alliance chain is provided with insurance bank nodes and re-insurance bank nodes, and the method comprises the following steps:
application steps are as follows: the insurance bank node provides an asset transfer application on the cloud trust asset management platform, wherein the asset transfer application is cloud trust assets held by the insurance bank;
a file uplink step: the cloud communication asset management platform uploads asset package data related to the asset transfer application to the inter-bank re-insurance alliance chain, and after the inter-bank re-insurance alliance chain receives the asset package data, the inter-bank re-insurance alliance chain converts the asset package data into a hash value through a hash algorithm and returns the hash value to the cloud communication asset management platform;
applying for winding up: the cloud communication asset management platform adds the hash value in the asset transfer application and uploads the asset transfer application with the hash value to the cross-bank re-insurance alliance chain;
an auditing step: the cloud communication asset management platform also pushes the asset transfer application to the re-insurance management bank, and the re-insurance management bank conducts auditing;
an uplink result step: and if the repayment authority passes the verification, uploading a verification result and a payment notification to the inter-authority repayment union chain, and sending the verification result and the payment notification to the insurance authority by the cloud communication asset management platform.
2. The block chain-based cloudbook asset cross-line re-insurance management method of claim 1, wherein the cloudbook asset is an accounts receivable asset that is entitled to the cloud asset management platform based on the cross-line re-insurance federation chain.
3. The blockchain-based cloud asset cross-row re-insurance method of claim 1, wherein a blockchain service module of the cloud asset management platform can push asset transfer applications, asset information and asset bundle information to a cross-row re-insurance alliance chain in an MQ message manner through an extended external application program interface.
4. The block chain-based cloud asset cross-row re-insurance method according to claim 1,
the cross-bank re-insurance alliance chain writes the received asset transfer application, the received asset package data and the received asset transfer application into a block chain insurance bank node by utilizing a contract layer, and obtains block chain deposit evidence information;
and the cross-row re-insurance alliance chain utilizes a consensus layer to synchronize the block chain certification information of the block chain re-insurance line node to the block chain re-insurance line node.
5. The block chain-based cloud asset cross-line re-insurance method according to claim 4, wherein the cross-line re-insurance alliance chain notifies the cloud asset management platform of an uplink processing result in an http manner.
6. The block chain-based cloud letter asset inter-bank re-insurance method according to claim 4, wherein the asset transfer application is accompanied by asset package data and asset information;
the data of the asset pack comprises: asset pack number, repayment service agreement number, policy holder, repayment holder, asset quantity, asset pack amount, credit risk guarantee letter, inter-bank repayment service cooperation agreement and invoice;
the asset information includes: cloud letter number, cloud letter amount, cloud letter opening cube, promised payment day and original warranty list number.
7. The block chain-based cloud communication asset cross-bank re-insurance method according to claim 1, wherein the cloud communication asset management platform includes: the system comprises an asset transferring-out module, an asset transferring-in module, a platform auditing module and a block chain service module;
the asset transfer-out module is suitable for a warranty bank node so that a warranty bank can screen the cloud information assets on the module and upload related accessories required by a re-warranty bank, and an inter-bank re-warranty asset transfer application is provided on the module;
the platform auditing module is suitable for an intermediate manager node so that the intermediate manager can audit the integrity and authenticity of the asset package data related to the asset transfer application;
the block chain service module is used for a data docking window and a transmission channel of a cloud communication asset management platform and a cross-row re-insurance alliance chain;
the asset transfer module is suitable for a re-warranty department node so that the re-warranty department can check the status of the asset package and re-warranty audit in the module.
8. The block chain-based cloud communication asset cross-bank re-insurance method according to claim 7, wherein the block chain service module uploads the asset transfer application and asset package data to the cross-bank re-insurance alliance chain through a timing task;
and after receiving a successful deposit notification of the repayment bank sent by the cross-bank repayment alliance chain, the block chain service module also sends the successful deposit notification to the repayment bank through a timing task.
9. A block chain-based cloud communication asset cross-bank re-insurance management system is characterized by comprising a cloud communication asset management platform and a cross-bank re-insurance alliance chain, wherein the cross-bank re-insurance alliance chain is provided with insurance line nodes and re-insurance line nodes;
the cloud communication asset management platform comprises: the system comprises an asset transferring-out module, an asset transferring-in module, a platform auditing module and a block chain service module;
the asset transfer-out module is used for a guarantee organization to put forward an asset transfer application, wherein the asset transfer application is a cloud communication asset held by the guarantee organization;
the asset transfer module is used for a re-insurance organization to check the status of the asset package and review re-insurance management in the module;
the block chain service module is a data docking window and a transmission channel of a cloud communication asset management platform and a cross-bank re-insurance alliance chain, is used for uploading asset package data related to the asset transfer application to the cross-bank re-insurance alliance chain, and is also used for receiving a hash value auditing result and a payment notification returned by the cross-bank re-insurance alliance chain.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of a method according to any one of claims 1 to 8.
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