CN115601146A - Deposit certification information generation method and device based on alliance chain - Google Patents
Deposit certification information generation method and device based on alliance chain Download PDFInfo
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Abstract
The invention provides a deposit certification information generation method and device based on a alliance chain, relates to the technical field of block chains, and can be used in the financial field or other technical fields. The method comprises the following steps: receiving a deposit opening certification request applied by a user; if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain; if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the deposit party funds are frozen, and a deposit proof is generated; and establishing a corresponding relation between the fund freezing serial number and the deposit certificate, packaging the deposit certificate information into blocks, and storing the blocks into the alliance chain. The device performs the above method. The method and the device provided by the embodiment of the invention can facilitate the user to open deposit certification and improve the business handling efficiency.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a deposit certification information generation method and device based on a union chain.
Background
At present, deposit certificates issued by banks can be used for leaving a country for study, traveling, hospitalizing and the like, when a user has no deposit, the user can only borrow money from others, at least two operations of transfer for borrowing and transfer for repayment are needed, and in addition, the problem that the user wants to borrow money in mind but is concerned about repayment exists.
Disclosure of Invention
For solving the problems in the prior art, embodiments of the present invention provide a method and an apparatus for generating deposit certification information based on a federation chain, which can at least partially solve the problems in the prior art.
On one hand, the invention provides a deposit certification information generation method based on a alliance chain, which comprises the following steps:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
The method for acquiring the account information of the deposit party corresponding to the deposit bank by using the pre-established alliance chain comprises the following steps:
obtaining the user information of the deposit party by using an identification interface provided by the deposit bank;
and obtaining the account information of the depositor by using an account information query interface provided by the deposit bank.
Wherein, after the step of storing the blocks into the federation chain, the federation chain-based credit evidence information generation method further comprises:
if the deposit certificate is determined to be due or invalid, obtaining the deposit certificate information according to the deposit party user information;
and calling a defreezing fund interface provided by the deposit bank according to the fund freezing serial number to finish fund defreezing and cancel the corresponding relation.
Wherein, the pre-established alliance chain comprises:
and (4) establishing a alliance chain by all banks, and establishing consensus by accessing all banks as a node.
On one hand, the invention provides a deposit certification information generation device based on a alliance chain, which comprises:
a receiving unit, for receiving a request for opening a deposit certification applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
the verification unit is used for acquiring the account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain if the face identification information of the deposit party is verified to be passed;
the generating unit is used for freezing the funds of the depositor and generating deposit proofs if the deposit balance in the depositor account information is determined to be more than or equal to the deposit proofed amount;
the storage unit is used for establishing a corresponding relation between the fund frozen serial number and the deposit certificate, packaging the deposit certificate information into blocks and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
Wherein the verification unit is specifically configured to:
obtaining the user information of the deposit party by using an identification interface provided by the deposit bank;
and obtaining the account information of the depositor by using an account information query interface provided by the deposit bank.
Wherein, after the step of storing the block into the federation chain, the federation chain-based proof of credit information generating device is further configured to:
if the deposit certificate is determined to be due or invalid, obtaining the deposit certificate information according to the deposit party user information;
and calling a defreezing fund interface provided by the deposit bank according to the fund freezing serial number to finish fund defreezing and cancel the corresponding relation.
Wherein the coalition-chain-based deposit certification information generating device is further configured to:
and (4) establishing a alliance chain by all banks, and establishing consensus by accessing all banks as a node.
In another aspect, an embodiment of the present invention provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the following method when executing the computer program:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the deposit party funds are frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
An embodiment of the present invention provides a computer-readable storage medium, including:
the computer-readable storage medium stores a computer program which, when executed by a processor, implements a method of:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements the following method:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
The embodiment of the invention provides a method and a device for generating deposit certification information based on a alliance chain, which are used for receiving a deposit certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank; if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain; if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated; establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information comprises the corresponding relation, so that a user can conveniently open deposit certification, and the business handling efficiency is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a schematic flow chart of a coalition chain-based deposit certification information generating method according to an embodiment of the present invention.
Fig. 2 is a schematic flowchart of a deposit certification information generating method based on a federation chain according to another embodiment of the present invention.
Fig. 3 is a schematic structural diagram of a federation chain-based deposit certification information generation method modularization provided by an embodiment of the present invention.
Fig. 4 is a schematic structural diagram of a coalition-chain-based deposit certification information generating apparatus according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
Fig. 1 is a schematic flowchart of a coalition chain-based deposit certification information generating method according to an embodiment of the present invention, and as shown in fig. 1, the coalition chain-based deposit certification information generating method according to the embodiment of the present invention includes:
step S1: receiving a deposit opening certification request applied by a user; the deposit opening certification request carries face recognition information of a deposit party, deposit certification amount and a deposit bank.
Step S2: and if the face identification information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain.
And step S3: and if the fact that the deposit balance in the account information of the depositor is larger than or equal to the deposit proof amount is determined, the fund of the depositor is frozen, and a deposit proof is generated.
And step S4: establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
In the step S1, the device receives a request for opening a deposit certificate applied by a user; the deposit opening certification request carries face recognition information of a deposit party, deposit certification amount and a deposit bank. The apparatus may be a computer device or the like, e.g. a server, performing the method. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations. The deposit certification request can also comprise the name of the applicant user, the identification number of the applicant user, the mobile phone number of the applicant user, the deposit certification application and the like.
In the step S2, if the device determines that the identification information of the deposit side face passes verification, the device acquires the account information of the deposit side corresponding to the deposit bank by using a pre-established alliance chain.
Federation chain: the system is a cluster formed by a plurality of private chains, a block chain which is managed by a plurality of organizations together, each organization or organization manages one or a plurality of nodes, and the data of the nodes only allows different organizations in the system to read, write and send.
The face recognition information verification method of the depositor can adopt a mature method in the field and is not described in detail.
If the verification fails, a prompt message may be generated to prompt the failure of the verification and subsequent steps may not be performed.
A pre-established federation chain, comprising:
and (4) establishing a alliance chain by all banks, and establishing consensus by accessing all banks as a node. After the alliance chain is built, after a user opens account information of a deposit side of any bank, the related information can be used by all banks in the alliance chain together.
The method for acquiring the account information of the deposit party corresponding to the deposit bank by using the pre-established alliance chain comprises the following steps:
obtaining the user information of the deposit party by using an identification interface provided by the deposit bank; the deposit party user information may include a user name, a user identification number, a mobile phone number, and the like.
And obtaining the account information of the depositor by using an account information query interface provided by the deposit bank. The depositor account information may include a deposit balance, a deposit account number, and the like.
In step S3, if the device determines that the deposit balance in the depositor account information is greater than or equal to the deposit proof amount, the device freezes the depositor funds and generates a deposit proof. If the deposit balance in the account information of the depositor is determined to be less than the deposit proof amount, the fund of the depositor cannot be frozen, and a prompt message of insufficient balance can be generated.
In the step S4, the device establishes a correspondence between the fund frozen serial number and the deposit certificate, packages the deposit certificate information into blocks, and stores the blocks in the federation chain; the deposit certification information includes the correspondence. The deposit certification information may include: deposit certificate number, applicant user name, applicant user identification number, applicant user mobile phone number, usage, fund freezing serial number, deposit certificate amount, validity period and the like.
The corresponding relation is established, the unique fund freezing serial number can be bound with the deposit certificate, the fact that the fund freezing is only used for the deposit certificate is indicated, and fund stealing is prevented.
As shown in fig. 2, after the step of storing the block into the federation chain, the method further comprises:
step S5: if the deposit certificate is determined to be due or invalid, obtaining the deposit certificate information according to the deposit party user information; and corresponding deposit evidence information can be acquired from the alliance chain according to the unique identification of the user.
Step S6: and calling a defreezing fund interface provided by the deposit bank according to the fund freezing serial number to finish fund defreezing and cancel the corresponding relation. After thawing is complete, the credit can be restored.
As shown in fig. 3, the method of the embodiment of the present invention may be implemented based on modularization, and specifically includes:
deposit certificate acceptance module 1
The system is used for receiving a request of a user for applying for opening a deposit certificate, and the request content comprises the name of an applicant user, the identification number of the applicant user, the mobile phone number of the applicant user, the purpose, the face identification information of a deposit party, the deposit certificate amount, a deposit bank and the like. The request is sent to the proof of deposit issuing module 1. The face recognition information of the deposit party is face recognition information of a fund party which needs to be frozen when deposit certification is opened, and needs to be input by a living user.
Deposit certificate opening module 2
After receiving a user request, the process of applying for opening a deposit certificate is carried out, and the process comprises the following 4 sub-modules:
building a coalition chain submodule: and (4) establishing a alliance chain, establishing the alliance chain by all banks, and establishing consensus by accessing all banks as a node. After receiving the request, the client information consensus verification is carried out, an intelligent contract is triggered, and the request information is sent to the information query verification submodule.
The data query and verification sub-module: (1) and identifying the deposit party through an identification interface provided by a deposit bank according to the face identification information identification result of the deposit party, wherein the identification comprises the identification of the name of the user, the identity card number of the user and the mobile phone number. (2) According to the unique identification of the depositor: the method comprises the steps of obtaining account information of a deposit party, including deposit balance, a deposit account number and the like, through an account information query interface provided by a deposit bank by a user name, a user identity card number and a mobile phone number. And judging whether the deposit balance is more than or equal to the deposit proof amount, if so, continuing to freeze the fund, and if not, failing to open the fund.
A fund freezing submodule: and according to a frozen fund interface provided by the deposit bank, the bank finishes fund freezing of the deposit party and returns a fund freezing serial number, and the unique fund freezing serial number passes the bound deposit certificate, which indicates that the fund freezing is only used for the deposit certificate. After freezing is successful, deposit is carried out to prove opening.
Deposit certification opening submodule: and generating deposit certificates, packaging deposit certificate information into blocks, adding the blocks into the alliance chain, and supporting follow-up inquiry and unfreezing when needed. Wherein the deposit certification information includes: deposit certificate number, applicant user name, applicant user identification number, applicant user mobile phone number, usage, fund freezing serial number, deposit certificate amount, validity period and the like.
Deposit evidence unfreezing module 3
When the deposit certificate expires or is invalidated, acquiring corresponding deposit certificate information from the block chain according to the unique identification of the user, adjusting a defreezing fund interface provided by a deposit bank according to a fund freezing serial number, completing fund defreezing, and recovering the deposit.
The deposit certification information generation method based on the alliance chain provided by the embodiment of the invention receives a deposit certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank; if the verification of the face recognition information of the deposit party is confirmed to be passed, utilizing a pre-established alliance chain to obtain account information of the deposit party corresponding to the deposit bank; if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated; establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information comprises the corresponding relation, so that a user can conveniently open deposit certification, and the business handling efficiency is improved.
Further, the method for acquiring the account information of the deposit party corresponding to the deposit bank by using the pre-established alliance chain comprises the following steps:
obtaining the user information of the deposit party by utilizing an identification interface provided by the deposit bank; reference is made to the above description and no further description is made.
And obtaining the account information of the depositor by utilizing an account information query interface provided by the deposit bank. Reference is made to the above description and no further description is made.
Further, after the step of storing the block into the federation chain, the method further comprises:
if the deposit certificate is determined to be due or invalid, obtaining the deposit certificate information according to the deposit party user information; reference is made to the above description and no further description is made.
And calling a defreezing fund interface provided by the deposit bank according to the fund freezing serial number to finish fund defreezing and cancel the corresponding relation. Reference is made to the above description and no further description is given.
Further, a pre-established federation chain, comprising:
and (4) establishing a coalition chain by all banks, and accessing all banks as a node to establish consensus. Reference is made to the above description and no further description is given.
It should be noted that the coalition chain-based deposit certification information generating method provided by the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.
Fig. 4 is a schematic structural diagram of a coalition-chain-based deposit certification information generating apparatus according to an embodiment of the present invention, and as shown in fig. 4, the coalition-chain-based deposit certification information generating apparatus according to an embodiment of the present invention includes a receiving unit 401, a verifying unit 402, a generating unit 403, and a storing unit 404, where:
the receiving unit 401 is configured to receive a deposit approval request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank; the verification unit 402 is configured to, if it is determined that the face identification information of the depositor passes verification, obtain depositor account information corresponding to the depositor bank by using a pre-established alliance chain; the generating unit 403 is configured to freeze funds of the depositor and generate deposit proofs if it is determined that the deposit balance in the depositor account information is greater than or equal to the deposit proofed amount; the storage unit 404 is configured to establish a correspondence between the fund frozen sequence number and the deposit certificate, package deposit certificate information into blocks, and store the blocks in the federation chain; the deposit certification information includes the correspondence.
Specifically, the receiving unit 401 in the device is used for receiving a request for making a deposit certification, which is applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank; the verification unit 402 is configured to, if it is determined that the face identification information of the depositor passes verification, obtain depositor account information corresponding to the depositor bank by using a pre-established alliance chain; the generating unit 403 is configured to freeze funds of the depositor and generate deposit proofs if it is determined that the deposit balance in the depositor account information is greater than or equal to the deposit proofed amount; the storage unit 404 is configured to establish a correspondence between the fund frozen sequence number and the deposit certificate, package deposit certificate information into blocks, and store the blocks in the federation chain; the deposit certification information includes the correspondence.
The deposit certification information generating device based on the alliance chain receives a deposit certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank; if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain; if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated; establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information comprises the corresponding relation, so that a user can conveniently open deposit certification, and the business handling efficiency is improved.
Further, the verification unit 402 is specifically configured to:
obtaining the user information of the deposit party by utilizing an identification interface provided by the deposit bank;
and obtaining the account information of the depositor by using an account information query interface provided by the deposit bank.
Further, after the step of storing the block into the federation chain, the federation chain-based credit evidence information generating device is further configured to:
if the deposit certificate is determined to be due or invalid, obtaining the deposit certificate information according to the deposit party user information;
and calling a defreezing fund interface provided by the deposit bank according to the fund freezing serial number to finish fund defreezing and cancel the corresponding relation.
Further, the coalition-chain-based deposit certification information generating device is further configured to:
and (4) establishing a coalition chain by all banks, and accessing all banks as a node to establish consensus.
The embodiment of the deposit certification information generating device based on the federation chain provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the embodiment are not described herein again, and refer to the detailed description of the above method embodiments.
Fig. 5 is a schematic structural diagram of a computer device provided in an embodiment of the present invention, and as shown in fig. 5, the computer device includes: a memory 501, a processor 502 and a computer program stored on the memory 501 and executable on the processor 502, the processor 502 implementing the following method when executing the computer program:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
The present embodiment discloses a computer program product comprising a computer program which, when executed by a processor, implements the method of:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
The present embodiments provide a computer-readable storage medium storing a computer program which, when executed by a processor, implements a method of:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
Compared with the technical scheme in the prior art, the embodiment of the invention receives a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank; if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain; if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated; establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information comprises the corresponding relation, so that a user can conveniently open deposit certification, and the business handling efficiency is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (11)
1. A deposit certification information generation method based on a alliance chain is characterized by comprising the following steps:
receiving a deposit opening certification request applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
if the face recognition information of the deposit party is confirmed to pass the verification, acquiring account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain;
if the fact that the deposit balance in the deposit party account information is larger than or equal to the deposit proof amount is determined, the fund of the deposit party is frozen, and a deposit proof is generated;
establishing a corresponding relation between a fund freezing serial number and the deposit certificate, packaging deposit certificate information into blocks, and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
2. The alliance-chain-based deposit certification information generating method according to claim 1, wherein the obtaining of the account information of the deposit party corresponding to the deposit bank by using the pre-established alliance chain comprises:
obtaining the user information of the deposit party by using an identification interface provided by the deposit bank;
and obtaining the account information of the depositor by utilizing an account information query interface provided by the deposit bank.
3. The federation chain-based deposit certification information generating method of claim 2, wherein after the step of storing the block into the federation chain, the federation chain-based deposit certification information generating method further comprises:
if the deposit certificate is determined to be due or invalid, obtaining the deposit certificate information according to the deposit party user information;
and calling a defreezing fund interface provided by the deposit bank according to the fund freezing serial number to finish fund defreezing and cancel the corresponding relation.
4. A deposit certification information generating method based on alliance chain as claimed in claim 1 wherein the pre-established alliance chain comprises:
and (4) establishing a alliance chain by all banks, and establishing consensus by accessing all banks as a node.
5. A coalition-chain-based deposit certification information generating apparatus, comprising:
a receiving unit, for receiving a request for opening a deposit certification applied by a user; the opening deposit certification request carries face identification information of a deposit party, deposit certification amount and a deposit bank;
the verification unit is used for acquiring the account information of the deposit party corresponding to the deposit bank by using a pre-established alliance chain if the face identification information of the deposit party is verified to be passed;
the generating unit is used for freezing the funds of the depositor and generating deposit proofs if the deposit balance in the depositor account information is determined to be more than or equal to the deposit proofed amount;
the storage unit is used for establishing a corresponding relation between the fund frozen serial number and the deposit certificate, packaging deposit certificate information into blocks and storing the blocks into the alliance chain; the deposit certification information includes the correspondence.
6. The coalition chain-based deposit certification information generating apparatus according to claim 5, wherein the verifying unit is specifically configured to:
obtaining the user information of the deposit party by using an identification interface provided by the deposit bank;
and obtaining the account information of the depositor by utilizing an account information query interface provided by the deposit bank.
7. The federation chain-based credit evidence information generating device of claim 6, wherein after the step of storing the chunk into the federation chain, the federation chain-based credit evidence information generating device is further configured to:
if the deposit certificate is determined to be due or invalid, obtaining the deposit certificate information according to the deposit party user information;
and calling a defreezing fund interface provided by the deposit bank according to the fund freezing serial number to finish fund defreezing and cancel the corresponding relation.
8. The federation chain-based credit evidence information generating apparatus of claim 5, wherein the federation chain-based credit evidence information generating apparatus is further configured to:
and (4) establishing a coalition chain by all banks, and accessing all banks as a node to establish consensus.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that it stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 4.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 4.
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| CN202211379887.0A CN115601146A (en) | 2022-11-04 | 2022-11-04 | Deposit certification information generation method and device based on alliance chain |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116797376A (en) * | 2023-08-26 | 2023-09-22 | 杭州字节方舟科技有限公司 | Asset management method, system, server and storage medium based on block chain |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116797376A (en) * | 2023-08-26 | 2023-09-22 | 杭州字节方舟科技有限公司 | Asset management method, system, server and storage medium based on block chain |
| CN116797376B (en) * | 2023-08-26 | 2023-12-01 | 杭州字节方舟科技有限公司 | Asset management method, system, server and storage medium based on block chain |
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