CN117273712A

CN117273712A - Rights and interests certificate processing method, device and system

Info

Publication number: CN117273712A
Application number: CN202311549085.4A
Authority: CN
Inventors: 孔庆文; 刘大海; 潘志勇; 吕国豪
Original assignee: China Securities Depository And Clearing Corp ltd
Current assignee: China Securities Depository And Clearing Corp ltd
Priority date: 2023-11-20
Filing date: 2023-11-20
Publication date: 2023-12-22

Abstract

The application discloses a method, a device and a system for processing rights and interests certificates, and relates to the technical field of blockchain and cloud computing. One embodiment of the method comprises the following steps: transmitting value guarantee data to a settlement center to obtain value fair equivalents, and providing exchange of the value fair equivalents based on the value data or the equity vouchers to a user side; for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, judging whether the equity credential transfer requests matched with each other or partially matched with each other exist or not: if so, freezing the relevant value fair equivalent of the user side according to a first intelligent contract deployed in the blockchain, generating a first equity voucher processing result and writing the first equity voucher processing result into the blockchain; and the settlement center removes the freezing of the related value fair equivalents of the user side, executes the transfer of the equity vouchers and the value fair equivalents between the corresponding user sides and completes the deduction of the rate. The embodiment can improve the data processing efficiency and the fund circulation efficiency.

Description

Rights and interests certificate processing method, device and system

Technical Field

The application relates to the technical field of blockchain and cloud computing, in particular to a rights and interests credential processing method, device and system.

Background

In the existing rights and interests voucher processing (e.g. securities trade, settlement) scenarios, a plurality of main authorities such as voucher processing participants (e.g. securities companies), public voucher processing platforms (e.g. exchanges), settlement centers, banks, etc. are involved, the transaction flow takes the public voucher processing platforms (e.g. exchanges) as the core, the settlement flow takes the settlement centers as the core, the business processing flow is relatively complex, the business chain is relatively long, and the requirements on the computing resources and fault tolerance of the public voucher processing platforms and the settlement centers are extremely high. And, the settlement of funds needs bank system cooperation, the cost and efficiency have further compressed space, the settlement time window is narrower, and the defect is more obvious when the settlement center serves different markets crossing time zones. In addition, existing most equity vouchers processing schemes have difficulty in further enriching investors' investment channels and further activating the market.

Disclosure of Invention

In view of this, the embodiments of the present application provide a method, apparatus, and system for processing equity vouchers, which can reduce the complexity of an exchange system based on blockchain, cloud computing, a clearing house equivalent mechanism, and a distributed equity vouchers processing mechanism, improve the fault tolerance of the whole system, and improve the data processing efficiency and the fund transfer efficiency, thereby being beneficial to multi-market clearing expansion and docking offsite market.

To achieve the above object, according to one aspect of the present application, there is provided a rights credential processing method.

The rights and interests credential processing method of the embodiment of the application relates to a credential processing participant, a clearing house and a public credential processing platform; the method comprises the following steps: the voucher processing participation transmits value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or discounts based on risk consideration and used for supporting equity voucher transfer, provides exchange of the value fair equivalents based on the value data or equity vouchers to a user side, and writes first equity voucher processing rate information into a blockchain; the certificate processing participant, the settlement center, the public certificate processing platform and the user side serve as nodes of a blockchain network, and the data processing parts of the certificate processing participant, the settlement center, the public certificate processing platform and the user side are deployed at a cloud end; for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, the credential processing participant determines whether there is an equity credential transfer request that matches or partially matches with each other: if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain; the clearing house processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is deployed in the blockchain in advance, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; and the clearing house writes the generated first equity voucher transfer result into the blockchain.

Optionally, the mutually matched equity credential transfer requests include: equity credential transfer-out request based on equity credentials and equity credential transfer-in request based on value fair equivalents.

Optionally, the credential processing participant pre-writes second equity credential processing rate information into the blockchain; when judging that the equity credential transfer requests received by the same credential processing participant have equity credential transfer requests which cannot be matched with each other or have part of equity credential transfer requests which are not matched with each other, the credential processing participant transmits the equity credential transfer requests to other credential processing participants, and the other credential processing participants judge whether the received equity credential transfer requests have matched or partially matched equity credential transfer requests or not: if so, freezing the related value fair equivalent of the user side by using the first intelligent contract, matching the equity voucher transfer request to generate a second equity voucher processing result, and writing the second equity voucher processing result into the blockchain; the clearing house extracts the second equity evidence processing rate information and the second equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract, executes the transfer of the equity evidence and the value fair equivalents between the corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated second equity voucher transfer result into the blockchain.

Optionally, the method further comprises: the credential processing participant writes third equity credential processing rate information into the blockchain in advance; when judging that the right credential transfer requests received by other credential processing participants have the right credential transfer requests which are not matched with each other or have part of the right credential transfer requests which are not matched with each other, the credential processing participants send the received right credential transfer requests to the public credential processing platform so as to realize the matching of the right credential transfer requests on the public credential processing platform; after the public certificate processing platform matches the equity certificate transfer requests, freezing the relevant value fair equivalents of the user side according to the first intelligent contract, generating a third equity certificate processing result, and writing the third equity certificate processing result into a blockchain; the clearing house extracts the third equity evidence processing rate information and the third equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to the second intelligent contract, executes the transfer of the equity evidence and the value fair equivalents between the corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated third equity voucher transfer result into the blockchain.

Optionally, the method further comprises: after obtaining the value fair equivalent and before beginning a equity credential processing cycle, the credential processing participant obtains equity credential declaration price data from the public credential processing platform, and determines initial price data for the equity credential using the equity credential declaration price data to perform processing of the equity credential.

Optionally, the method further comprises: and in response to receiving a value fair equivalent exchange value request sent by the user side, the certificate processing participant interacts with the settlement center or interacts with the settlement center and a banking system, exchanges the value fair equivalent of the user side into value data, and provides the exchanged value data to the user side.

Optionally, the blockchain network has a preset number of blockchain copies shared by all nodes, and a server storing the blockchain copies is deployed in the same available area of the cloud; wherein the preset number is less than the number of nodes of the blockchain network; the certificate processing participant, the certificate processing platform, the clearing house and the terminal part of the user are used for data display and business operation.

To achieve the above object, according to another aspect of the present application, there is provided a rights voucher processing apparatus.

The rights and interests credential processing device of the embodiment of the application relates to a credential processing participant, a clearing house and a public credential processing platform; the apparatus may include: an equivalent processing unit for: transmitting value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or based on risk consideration discount for supporting equity voucher transfer, providing exchange of the value fair equivalents based on the value data or equity vouchers to a user side, and writing first equity vouchers processing rate information into a blockchain; the certificate processing participant, the settlement center, the public certificate processing platform and the user side serve as nodes of a blockchain network, and the data processing parts of the certificate processing participant, the settlement center, the public certificate processing platform and the user side are deployed at a cloud end; a credential processing unit configured to: for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, the credential processing participant determines whether there is an equity credential transfer request that matches or partially matches with each other: if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain; the settlement center processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is pre-deployed in the blockchain, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; the clearing house writes the generated first equity voucher transfer result into the blockchain.

To achieve the above object, according to another aspect of the present application, there is provided a rights voucher processing system.

The rights and interests credential processing system of the embodiments of the present application may include: the system comprises a credential processing participant, a clearing house and a public credential processing platform; the voucher processing participation transmits value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or discounts based on risk consideration and used for supporting equity voucher transfer, provides exchange of the value fair equivalents based on the value data or equity vouchers to a user side, and writes first equity voucher processing rate information into a blockchain; the certificate processing participant, the settlement center, the public certificate processing platform and the user side serve as nodes of a blockchain network, and the data processing parts of the certificate processing participant, the settlement center, the public certificate processing platform and the user side are deployed at a cloud end; for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, the credential processing participant determines whether there is an equity credential transfer request that matches or partially matches with each other: if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain; the clearing house processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is deployed in the blockchain in advance, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; and the clearing house writes the generated first equity voucher transfer result into the blockchain.

To achieve the above object, according to still another aspect of the present application, there is provided an electronic apparatus.

An electronic device of the present application includes: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the benefit credential processing method provided by the application.

To achieve the above object, according to still another aspect of the present application, a computer-readable storage medium is provided.

A computer readable storage medium of the present application has stored thereon a computer program which, when executed by a processor, implements the equity credential processing method provided by the present application.

According to the technical scheme of the application, the embodiment in the application has the following advantages or beneficial effects:

first, a distributed equity voucher processing flow is designed with a voucher processing participant and a clearing house as main bodies, if equity voucher transfer requests of different user ends (such as investors) can be matched inside the voucher processing participant or among the voucher processing participants, equity voucher transaction is executed by the voucher processing participant and clearing is executed by the clearing house. When the request cannot be matched with the inside of the certificate processing participants or the certificate processing participants, the request can be interactively and further matched with the public certificate processing platform, so that the complexity of the exchange system is reduced, the fault tolerance of the whole system is improved, the problem of low single-point fault tolerance of the exchange is solved, and the equity certificate processing efficiency is improved.

Secondly, the value fair equivalent trusted by the clearing house is used for replacing the currency in the traditional technology to execute the transaction and the clearing of the equity voucher in the equity voucher processing flow, the value fair equivalent can be borrowed from the clearing house by the voucher processing participator as a mortgage based on the value fair equivalent or the value data (such as currency) and exchanged to the user side, the equity transfer and the corresponding clearing of the equity equivalent and the equity equivalent can be executed among the user side through the voucher processing participator, and the bank system can be docked only when the user side needs to exchange the value fair equivalent into the currency, so that the exchange efficiency is improved, the real-time clearing after the transaction is realized, the clearing time window is enlarged, and the expansion of the clearing house to different markets is facilitated. In addition, the equity evidence processing based on the value equity equivalents is beneficial to reducing the fund occupation amount in the actual scene of frequent bidirectional transactions, and the user side can adopt modes of centralized settlement after transactions and the like to settle the accounts according to the final balance, and the user side can mortgage equity evidence to exchange the value equity equivalents, so that the condition that the money is insufficient and cannot be transferred into equity evidence is avoided, the convenience of equity evidence processing is finally improved, and meanwhile, a settlement center can effectively monitor and control market dynamics and fund scale.

Third, the present application may use blockchain-bound cloud computing technology to further increase the efficiency of equity vouchers processing. By incorporating each subject mechanism into the blockchain network, transaction consensus, data transmission and data storage mechanisms based on the blockchain are realized, and the authenticity, credibility and non-falsification of related data records are ensured. And, through directly linking the related information of the equity certificate and the value equity equivalent to carry out real-time collection, the equity of the value equity equivalent is improved, and the related calculation when the intelligent contract of the blockchain is used for settlement can further ensure real-time collection. In order to realize high availability of the blockchain system, only a small number of blockchain physical copies can be arranged in a system architecture design to be shared by all nodes, and the blockchain copies can be deployed in the same available area of a cloud, so that the data synchronization efficiency of the blockchain system can meet the actual requirements of rights and interests credential processing, and in combination with a cloud computing technology based on fifth-generation mobile communication (5G), the credential processing participants, the credential processing platform, a settlement center and data processing and computing of a user side are borne by cloud computing resources, and the terminal is only used for data display and business operation, so that the rights and interests credential processing system has high availability.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the present application and are not to be construed as unduly limiting the present application. Wherein:

FIG. 1 is a schematic diagram of main steps of a method for processing a benefit credential according to an embodiment of the present application;

FIG. 2 is a schematic diagram of a system architecture of a method for processing rights and interests credentials according to an embodiment of the present application;

FIG. 3 is an interactive schematic diagram of a method for processing rights and interests credentials in an embodiment of the present application;

FIG. 4 is a schematic diagram of a transaction settlement process in the prior art;

FIG. 5 is a schematic diagram of a transaction settlement process according to the first embodiment of the present application;

FIG. 6 is a schematic diagram of the components of a benefit credential processing device in an embodiment of the present application;

FIG. 7 is an exemplary system architecture diagram to which embodiments according to the present application may be applied;

fig. 8 is a schematic structural diagram of an electronic device for implementing the method for processing the rights and interests credentials in the embodiment of the present application.

Detailed Description

Exemplary embodiments of the present application are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present application to facilitate understanding, and should be considered as merely exemplary. Accordingly, one of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present application. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments of the present application and the technical features in the embodiments may be combined with each other without conflict.

FIG. 1 is a schematic diagram of main steps of a method for processing a benefit credential according to an embodiment of the present application.

As shown in FIG. 1, the equity credential processing method of embodiments of the present application may be performed by a credential processing participant. In addition to the credential processing participants, relevant principals of the present application are: the system comprises a public certificate processing platform, a clearing house and a plurality of user terminals. Wherein the credential processing participant may be a specialized institution for performing equity credential transactions, such as a securities corporation; the public credential processing platform may be a fixed establishment that performs the equity credential transactions, such as a trade exchange; the clearing house is a legal organization for providing registered clearing infrastructure services; the user end performs the equity certificate processing (including equity certificate in-and-out). The equity vouchers in the present application may be various economic equity vouchers such as securities, and equity vouchers processing includes both securities trading and settlement.

In the embodiment of the application, the credential processing participant, the public credential processing platform, the clearing house and each user terminal can be respectively used as nodes in the blockchain network, and block consensus, data interaction and data storage are performed based on the blockchain. The blockchain architecture of embodiments of the present application may be seen in fig. 2. In order to improve the data processing efficiency, in an alternative manner, the credential processing participants, the settlement center, the public credential processing platform and the data processing part of the user side (namely, the part unit for executing the data processing and calculating functions) are deployed at the cloud based on the fifth generation mobile communication mechanism (5G), while the credential processing participants, the public credential processing platform, the settlement center and the terminal part of the user side are only used for data display and business operation, so that the computing capability of the system can be improved, and the mass calculating requirements of the actual scene of the rights and interests credential processing can be met.

To provide data synchronization efficiency for a blockchain, the present application implements the following design. The blockchain network is configured to have a predetermined number of blockchain copies shared by the nodes, the predetermined number being less than the number of nodes of the blockchain network, for example, the value may be 3 or 5. Thus, each node in the blockchain has logically independent blockchains, but physically shares the above preset number of blockchain copies, and only 3 or 5 blockchain data synchronizations need to be performed when new blocks are in common, thereby greatly reducing the influence of a blockchain synchronization mechanism on the system performance. Further, in an alternative implementation, the servers storing the blockchain replicas may be deployed in the same available area (zone) of the cloud, thereby further improving the data synchronization efficiency. It can be appreciated that the above design, in combination with the 5G communication-based cloud computing technology, ultimately enables the blockchain system of embodiments of the present application to have high availability.

The rights and interests credential processing method according to the embodiment of the present application is specifically executed according to the following steps, and the interaction between the respective entities may be referred to fig. 3.

Step S101: the voucher processing participation transmits value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or based on risk consideration discount and used for supporting equity voucher transfer, provides exchange of the value fair equivalents based on the value data or the equity vouchers to a user side, and writes first equity vouchers processing rate information into a blockchain.

In the technical scheme of the application, the value fair equivalent (token) is a certificate issued by a settlement center and specially used for equity certificate transaction and settlement business, and the issuing of the value fair equivalent accords with related laws, regulations and regulations. The value fair equivalent in the application is not any form of currency, cannot participate in daily payment, and is not virtual currency generated by verification and calculation, and the only function of the value fair equivalent in the application is to support the equity transfer and clearing and accepting of equity vouchers in the transaction and settlement flow of equity vouchers instead of currency in the prior art. The first equity voucher processing rate information, second equity voucher processing rate information, and third equity voucher processing rate information, which will be described later, are various rate information in different equity voucher processing scenarios, and the voucher processing participant can also write the second equity voucher processing rate information and the third equity voucher processing rate information into the blockchain at the same time.

In this step, the credential processing participant first sends value assurance data (e.g., a settlement assurance gold) to the clearing house to borrow the above value fair equivalents trusted by the clearing house, in practical application, the credential processing participant may adjust the number of value fair equivalents in the hand by adjusting the settlement assurance gold. After obtaining the value fair equivalents, the credential processing participant may provide a value fair equivalent redemption service to the user side, which may redeem value fair equivalents for the transactions of equity credentials via value data (currency), and may redeem corresponding amounts of value fair equivalents via equity credentials in mortgage hands. After each user side is converted to the value fair equivalent, the transaction and settlement can be executed based on the value fair equivalent and the equity vouchers, except for two links of currency conversion of the value fair equivalent and currency conversion of the value fair equivalent, currency can be avoided in the whole equity vouchers processing flow, and the transaction and settlement of the equity vouchers can be realized based on the value fair equivalent and the equity vouchers.

In one embodiment, before a new equity voucher processing cycle begins (e.g., before a new trade day is opened), the voucher processing participant may obtain equity voucher declaration price data (e.g., securities quote information) and equity voucher transfer intent data (e.g., securities trade intent sheets) from the public voucher processing platform and determine initial price data for the equity voucher using the equity voucher declaration price data and the equity voucher transfer intent data to perform the equity voucher processing.

Step S102: for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, the credential processing participant determines whether there is an equity credential transfer request that matches or partially matches with each other: and if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and the first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain.

In the embodiment of the application, any party for processing the equity vouchers firstly judges whether the mutually matched or partially matched equity vouchers transfer requests exist in the party, and can understand that the equity vouchers transfer requests carry transaction information about the transfer in (e.g. buying) or the transfer out (e.g. selling) of equity vouchers, the mutually matched equity vouchers transfer requests comprise equity vouchers transfer out requests based on equity vouchers and equity vouchers transfer in request based on value equity equivalents, and in the corresponding user end of the mutually matched equity vouchers transfer requests, the supply and demand relationship between the buyer and the seller is satisfied; partial matching refers to the partial supply and demand relationship between the buyer and the seller being satisfied.

Illustratively, the voucher processing participant can match and match the equity voucher transfer requests in the market of the advance transaction by itself according to the order sharing principles of price priority, time priority and same quotation, and calculate related fees (such as tax, commission, red share, interest and the like) according to the first intelligent contracts pre-deployed in the blockchain, so as to generate and link the first equity voucher processing result.

The order sharing principle of priority of the prices, priority of the time and equal quotation refers to priority of price factors, priority of matching of the price of the better (the higher the bid of the buyer is, the better the bid of the seller is, the lower the bid of the seller is), priority of matching of the price of the better, priority of matching of the earlier bid of the better bid is achieved under the condition that the prices are equal, and transaction quantity can be distributed according to the demands if a plurality of demand users exist under the same bid.

Step S103: the clearing house processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is deployed in the blockchain in advance, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; and the clearing house writes the generated first equity voucher transfer result into the blockchain.

In this step, after the credential processing participant links the first equity credential processing result, the clearing house may obtain the first equity credential processing result and the first equity credential processing rate information from the blockchain, and cancel the freezing of the relevant value fair equivalents of the user side according to the first equity credential processing result and the first equity credential processing rate information and the second intelligent contract, and execute the transfer of the equity credential and the value fair equivalents between the corresponding user sides. For example, the clearing house transfers equity vouchers from the seller's account to the buyer's account, and a corresponding amount of value fair equivalents from the buyer's account to the seller's account. Finally, the clearing house writes the generated first benefit credential transfer result into the blockchain.

In an optional technical solution, when judging that there is a rights credential transfer request that cannot be matched with each other or there is a partially unmatched rights credential transfer request in the rights credential transfer requests received by the same credential processing participant, the credential processing participant sends the rights credential transfer request to other credential processing participants, and the other credential processing participants judge whether there is a matched or partially matched rights credential transfer request in the received rights credential transfer requests: if so, freezing the related value fair equivalent of the user terminal by using the first intelligent contract, matching the equity voucher transfer request to generate a second equity voucher processing result, and writing the second equity voucher processing result into the blockchain. The clearing house extracts the second equity evidence processing rate information and the second equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract, executes the transfer of equity evidence and the value fair equivalents between the corresponding user sides, completes the deduction of the rate, and writes the generated second equity evidence transfer result into the blockchain.

Further, in one embodiment, when judging that there are not mutually matched equity credential transfer requests or there are partial unmatched equity credential transfer requests in equity credential transfer requests received by other credential processing participants, the credential processing participants send the received equity credential transfer requests to the public credential processing platform so as to realize matching of equity credential transfer requests at the public credential processing platform; after the public certificate processing platform matches the equity certificate transfer requests, freezing the relevant value fair equivalents of the user side according to the first intelligent contract, generating a third equity certificate processing result, and writing the third equity certificate processing result into a blockchain; and the clearing house extracts third equity evidence processing rate information and third equity evidence processing results in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract, executes the transfer of equity evidence and the value fair equivalents between the corresponding user sides, completes the deduction of the rate, and writes the generated third equity evidence transfer results into the blockchain.

The above are possible trade scenarios for equity vouchers. In practical applications, the user side may also exchange the value fair equivalents for currency through the credential processing participant. For example, after receiving a value request for exchanging value of the value fair equivalent sent by the user terminal, the credential processing participant may interact with the clearing house or interact with the clearing house and the banking system respectively, so as to exchange the value fair equivalent of the user terminal for currency serving as value data, and transfer the exchanged currency to an account of the user terminal.

According to the technical scheme, the equity voucher processing flow can be simplified based on a blockchain, cloud computing, a value equity equivalent mechanism of a clearing house and a distributed equity voucher processing mechanism, data processing efficiency is improved, real-time clearing and collecting are achieved, and therefore multi-market clearing expansion and docking of off-site markets are facilitated.

The following describes a first embodiment of the present invention in a security trade settlement scenario, referring to fig. 4 and 5, where fig. 4 is a schematic diagram of a trade settlement process in the prior art, and fig. 5 is a schematic diagram of a trade settlement process in the first embodiment of the present application. In a first embodiment, the equity vouchers are embodied as securities, the vouchers processing participants are embodied as securities companies, the clients are embodied as investors in or out of the buyer, and the public vouchers processing platform is embodied as an exchange.

As shown in fig. 4, the prior art securities trade and settlement flow is as follows. In step 401, an investor commits to buy or sell securities through a securities corporation; in step 402, the securities company submits the securities purchase and sale declaration form of the investor to the exchange, and the exchange matches the exchange time to time and feeds back the result to the securities company in time; in step 403, the exchange transmits the transaction data to a clearing house as a central counter-party; in step 404, the clearing house is used as a central counter party of the two parties of the trade, and takes clearing participants (generally, securities companies) as units to carry out the net processing of the corresponding payable securities and the price of all securities which are in charge of the clearing of the day by each clearing participant, and tax, commission, equity and the like are incorporated into the calculation in the clearing process; after the clearing is completed, the clearing house sends clearing result data to each clearing participant (securities corporation) in step 405; in step 406, the clearing house exchanges the securities. For the settlement participants who deal with the securities, the settlement center pays the corresponding securities from the securities collection accounts thereof to the centralized securities collection accounts established by the settlement center; for the settlement participants who should receive securities, the settlement center pays the corresponding securities from the centralized securities collection account to the securities collection account; in step 407, the clearing house pays for the funds. And preparing funds for delivery by the settlement participants according to the clearing result sent by the settlement center. The clearing participants who have a net payable deposit the payable deposit into the funds clearing account and notify the clearing house. For the settlement participants who pay funds, the settlement center pays the corresponding funds from the funds-delivery accounts to the centralized funds-delivery accounts which are set up by settlement; for the settlement participants who should receive funds, the settlement center pays the corresponding funds from the centralized funds-delivery account to the funds-delivery account thereof.

The prior art flow shown in fig. 4 has the following problems:

first, the central node of the centralized architecture is computationally intensive. At present, the securities transaction flow is concentrated at a transaction center node, the securities settlement flow is concentrated at a settlement center node, the requirements on a core system of the securities transaction flow are higher, and the single-point fault tolerance rate is low due to the concentration of calculation, so that a larger risk exists.

Second, the business system involving multiple principals is inefficient in processing. Under the current securities trade settlement process, investors generally buy and sell securities through a complex trade settlement process, which relates to a plurality of main institutions such as securities companies, exchanges, settlement centers, banks and the like, wherein the trade process takes the exchanges as the core and the settlement process takes the settlement centers as the cores.

Third, it is subject to external systems. All the settlements involve two lines of funds and securities, and for funds, the cost is high due to the fact that the funds are to be docked with a banking system, and the funds are received with lower efficiency due to the influence of the processing of the banking system.

Fourth, multi-market settlement expansibility is poor. When a future clearing house serves different markets across time zones, the time schedule of the communication of the different markets can lead to further reduction of the clearing time window, and further complicating the communication and clearing system across time zones, and further aggravating risks.

Fifth, the difficulty of market reconstruction of the docking non-exchange is great. At present, multi-level capital markets in China are established, but the liquidity of the field market in China is still insufficient, the trading volume of the stock company counter market and regional equity trading market is far smaller than that of exchanges, and the direct financing capability of small and medium-sized enterprises is insufficient.

In order to solve the technical problems, the application provides corresponding technical schemes based on the following technical concepts. Aiming at the defects of large calculation pressure, low efficiency, being limited by a banking system, large transformation difficulty and poor expansibility of the current securities trade settlement, the method can be improved from the following points. Firstly, by using a distributed architecture, on the premise of not changing a direct holding mode, the diversion of the exchange market is effectively realized, the data processing pressure of the exchange market is reduced, the peak transaction quantity of the whole system is greatly improved, the congestion is reduced, and the processing efficiency is improved; secondly, value common equivalents are introduced to realize rapid exchange of funds, so that the fund circulation efficiency is improved, meanwhile, a distributed architecture takes charge of calculation and processing of data by virtue of 5G network conditions, a terminal takes charge of display and basic operation of information, only one or a limited number of cloud identical data are reserved, each investor of a settlement center, a trade center, settlement participators (securities companies) or even capital market can participate in node consensus as distributed nodes, in practical implementation, only limited deployment and scattered nodes participate in trade consensus, and the architecture mode can greatly improve consensus efficiency, realize high-speed trade and provide possibility for the settlement center to serve different markets crossing time zones.

The technical scheme of the application based on the technical conception is shown in fig. 5. In step 501, a securities company borrows a certain amount of value fair equivalents to a settlement center by taking a settlement guarantee as mortgage so as to conduct securities trade, and the settlement center carries out trust according to daily average trade settlement amount of the securities company and participation differentiation prepared payment proportion, gives a certain value fair equivalent mobility support, and meets the requirement of temporarily increasing the number of the value fair equivalents required by daily securities trade; in step 502, the securities corporation obtains the quotation information and trading interest list of the open market from the exchange market to determine the securities price of the self-advance trading market (market-making market pattern), or directs the securities price of the self-advance trading market (securities brokerage pattern) according to the quotation information and trading interest list of the open market, but its order quotation must be guaranteed to be at least equal to or better than the national optimum market quotation (i.e. local market optimum); in steps 503 and 504, investors commission securities companies to exchange value fair equivalents through currencies, use value fair equivalents for securities trading in securities markets, and commission to make orders through securities companies; in step 505, the securities company performs transaction information matching and matching on the trade orders of investors belonging to the same securities company according to the principles of price priority, time priority and equal quotation of order sharing, calculates tax fee, commission, red share, interest and the like by using intelligent contracts, and performs real-time transaction by adopting a value fair equivalent direct uplink after confirmation by a settlement center, and besides, a priority transaction level can be added in the transaction matching to realize different transaction priority levels of different clients; in step 506, for some or all of the trade orders that cannot be completed, submitted to the exchange by the securities corporation, the exchange matches the trade orders, and calculates tax, commission, red share, interest, etc. using the intelligent contract, and after confirmation by the clearing house, uses the value fair equivalent to directly link for real-time collection; in step 507, a sufficient amount of value fair equivalents are purchased by the securities company to complete the funds exchange and supplement the credit line according to the use condition of the credit value fair equivalents recorded by the blockchain in the appointed time.

Based on the technical scheme, the following technical effects can be achieved:

firstly, a distributed transaction settlement mode is adopted, so that the transaction settlement distribution of the whole securities system is realized. On one hand, the method effectively realizes the diversion of the exchange market, reduces the data processing pressure of the exchange market, greatly improves the peak exchange quantity of the whole system, reduces the congestion, simultaneously adopts the RTGS (Real Time Gross Settlement, real-time full payment system) mode to realize the distributed real-time settlement of securities among different markets, and reduces the possibility of huge loss of the whole securities market caused by single-point faults; on the other hand, the order quotation of the distributed trading mode in the advanced trading stage must ensure that the optimal quotation of all markets is at least equal to or better than that of all markets, meanwhile, since the stock order is sent to the electronic trading platform, the profit obtained from the trading of the securities company is reduced, so that the securities company has a higher intention that the user can complete the advanced order matching in the trading counter of the securities company in advance when sending the order to the public market, the advanced matching is win-win for both the user and the securities company in theory, the risk brought by long-chain trading in the market is effectively reduced for the market, and the quick achievement of trading among different customer orders is facilitated.

Second, a value fair equivalent mechanism is introduced, so that the high-efficiency utilization of funds is realized. The problem of large fund occupation amount caused by the adoption of the RTGS settlement mode by introducing the blockchain can be effectively solved through the value fair equivalent mode, so that the fund occupation amount is effectively reduced, meanwhile, the settlement complexity is reduced, and a user can easily know the fund amount which needs to be exchanged in real time only by comparing the credit limit with the current value fair equivalent holding amount. On the other hand, the fund use condition on the market can be effectively known in real time by adopting a value fair equivalent mode, the entrance of large-flow fund is perceived in advance, effective supervision is realized, meanwhile, the control level and the supervision capability of the supervision department on the market are improved by adopting the value fair equivalent mode, and the control on the market scale is effectively realized by controlling the credit limit.

Thirdly, fully utilizing the 5G technical advantage to realize high-speed transaction. In the distributed securities trade settlement algorithm, the blockchain technology can provide a decentralised credit mechanism as an implementation way, but the blockchain technology is not yet fully applied to a high-speed trade occasion, which is an important problem: the transaction throughput of the current blockchain system cannot meet the requirements of common transactions and high-frequency transactions of exchanges, a single transaction can be transmitted to other nodes for verification check, and the problem that the transaction confirmation time is long possibly exists, but under the 5G network condition, the cloud terminal is only responsible for calculation and processing of data, and the terminal is only responsible for display and basic operation of information, and only one or a limited number of the same cloud terminal data is reserved, so that each investor of a logical clearing center, an exchange, clearing participants (securities companies) and even capital markets can participate in node consensus as nodes in the blockchain, in practical implementation, only limited deployment and scattered nodes participate in the transaction consensus (namely, all the blockchain links share limited blockchain copies), and the architecture mode greatly improves the consensus efficiency of the blockchain, and the architecture mode is logically dispersed and physically concentrated as a whole.

Fourth, the liquidity of the securities market is improved, and securities trade settlement business of 7 x 24 hours is supported. Technically, based on the implementation of the distributed securities trade, the centralized securities trade is not carried out by a centralized mechanism any more, meanwhile, temporary credit adjustment can be carried out for different mechanisms, credit replenishment can be completed in different time periods, so that trade settlement is not limited by a time window of a settlement mechanism, the trade is settled by virtue of the technology such as an intelligent contract, the settlement and the exchange are automatically completed through the intelligent contract after the trade occurs, and a linked settlement system can continuously run all the day, and 7 x 24 hours of the whole securities market can be continuously carried out or even transaction settlement service support of a cross time zone can be realized.

In the technical scheme of the application, the aspects of acquisition, collection, updating, analysis, processing, use, transmission, storage and the like of the related user personal information all conform to the rules of related laws and regulations, are used for legal purposes, and do not violate the popular public sequence. Necessary measures are taken for the personal information of the user, illegal access to the personal information data of the user is prevented, and the personal information security, network security and national security of the user are maintained.

For the foregoing method embodiments, for convenience of description, a series of combinations of actions are described, but it should be understood by those skilled in the art that the present application is not limited by the described order of actions, and some steps may actually be performed in other order or simultaneously. Moreover, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred embodiments, and that the acts and modules referred to are not necessarily required to practice the present application.

In order to facilitate better implementation of the above-described aspects of the embodiments of the present application, the following further provides related devices for implementing the above-described aspects.

Referring to fig. 6, a benefit credential processing device 600 provided in an embodiment of the present application relates to a credential processing participant, a clearing house, and a public credential processing platform, and may include: a value fair equivalent processing unit 601 and a credential processing unit 602.

Wherein the value fair equivalent processing unit 601 is operable to: transmitting value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or based on risk consideration discount for supporting equity voucher transfer, providing exchange of the value fair equivalents based on the value data or equity vouchers to a user side, and writing first equity vouchers processing rate information into a blockchain; the certificate processing participant, the settlement center, the public certificate processing platform and the user side serve as nodes of a blockchain network, and the data processing parts of the certificate processing participant, the settlement center, the public certificate processing platform and the user side are deployed at a cloud end; the credential processing unit 602 may be configured to: for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, judging whether the equity credential transfer requests matched with each other or partially matched with each other exist or not: if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain; the clearing house processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is deployed in the blockchain in advance, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; and the clearing house writes the generated first equity voucher transfer result into the blockchain.

In one embodiment, the mutually matching equity credential transfer requests include: equity credential transfer-out request based on equity credentials and equity credential transfer-in request based on value fair equivalents.

Preferably, the credential processing unit 602 is further operable to: writing second equity voucher processing rate information into the blockchain in advance; when judging that the equity credential transfer requests received by the same credential processing participant have equity credential transfer requests which cannot be matched with each other or have part of equity credential transfer requests which are not matched with each other, sending the equity credential transfer requests to other credential processing participants, and judging whether the received equity credential transfer requests have matched or partially matched equity credential transfer requests or not by the other credential processing participants: if so, freezing the related value fair equivalent of the user side by using the first intelligent contract, matching the equity voucher transfer request to generate a second equity voucher processing result, and writing the second equity voucher processing result into the blockchain; the clearing house extracts the second equity evidence processing rate information and the second equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract, executes the transfer of the equity evidence and the value fair equivalents between the corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated second equity voucher transfer result into the blockchain.

In an embodiment of the present application, the credential processing unit 602 may be further configured to: writing third equity voucher processing rate information into the blockchain in advance; when judging that the right voucher transfer requests received by other voucher processing participants have the right voucher transfer requests which are not matched with each other or have part of the right voucher transfer requests which are not matched with each other, sending the received right voucher transfer requests to the public voucher processing platform so as to realize the matching of the right voucher transfer requests on the public voucher processing platform; after the public certificate processing platform matches the equity certificate transfer requests, freezing the relevant value fair equivalents of the user side according to the first intelligent contract, generating a third equity certificate processing result, and writing the third equity certificate processing result into a blockchain; the clearing house extracts the third equity evidence processing rate information and the third equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract, and executes the transfer of the equity evidence and the value fair equivalents between the corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated third equity voucher transfer result into the blockchain.

As a preferred solution, the credential processing unit 602 may be further configured to: after obtaining the value fair equivalent and before beginning a equity credential processing cycle, obtaining equity credential declaration price data and equity credential transfer intent data from the public credential processing platform, determining initial price data for the equity credential using the equity credential declaration price data and the equity credential transfer intent data to perform processing of the equity credential.

In one aspect, the credential processing unit 602 may be further configured to: and in response to receiving a value fair equivalent exchange value request sent by the user terminal, interacting with the settlement center or interacting with the settlement center and a banking system, exchanging the value fair equivalent of the user terminal into value data, and providing the exchanged value data to the user terminal.

In addition, in the embodiment of the application, the blockchain network is provided with a preset number of blockchain copies shared by all nodes, and servers for storing the blockchain copies are deployed in the same available area of the cloud; wherein the preset number is less than the number of nodes of the blockchain network; the certificate processing participant, the public certificate processing platform, the settlement center and the terminal part of the user are used for data display and business operation.

Based on the technical scheme, the centralized rights and interests voucher processing can be not performed by the centralized institutions, meanwhile, temporary credit line adjustment and replenishment can be performed for different voucher processing participants, and the credit line replenishment can be completed in different time periods, so that transaction settlement is not limited by a settlement time window; the transaction, namely settlement, can be realized by means of intelligent contracts, automatic programs and other technologies, clearing and settlement are automatically completed through the intelligent contracts after the transaction occurs, the transaction and settlement flow is prevented from passing through multiple nodes, the processing efficiency is improved, value fair equivalents and equity vouchers are combined to the settlement center, the limitation of a settlement time window is eliminated to a certain extent, the possibility of 7 x 24 hours transaction is provided, and therefore the expansibility of multi-market settlement is greatly improved. In addition, the distributed transaction settlement of the equity vouchers is realized under the condition that the current direct holding mode is not changed, and the off-site market transaction liquidity is improved.

The present application further provides a equity credential processing system, see fig. 2 and 3.

The equity credential processing system may include: a credential processing participant, a clearing house, and a common credential processing platform.

The voucher processing participation transmits value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or discounts based on risk consideration and used for supporting equity voucher transfer, provides exchange of the value fair equivalents based on the value data or equity vouchers to a user side, and writes first equity voucher processing rate information into a blockchain; the certificate processing participant, the settlement center, the public certificate processing platform and the user side serve as nodes of a blockchain network, and the data processing parts of the certificate processing participant, the settlement center, the public certificate processing platform and the user side are deployed at a cloud end; for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, the credential processing participant determines whether there is an equity credential transfer request that matches or partially matches with each other: if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain; the clearing house processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is deployed in the blockchain in advance, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; and the clearing house writes the generated first equity voucher transfer result into the blockchain.

In the embodiment of the invention, the mutually matched rights and interests credential transfer requests include: equity credential transfer-out request based on equity credentials and equity credential transfer-in request based on value fair equivalents.

In a specific application, the credential processing participant writes second equity credential processing rate information into the blockchain in advance; when judging that the equity credential transfer requests received by the same credential processing participant have equity credential transfer requests which cannot be matched with each other or have part of equity credential transfer requests which are not matched with each other, the credential processing participant transmits the equity credential transfer requests to other credential processing participants, and the other credential processing participants judge whether the received equity credential transfer requests have matched or partially matched equity credential transfer requests or not: if so, freezing the related value fair equivalent of the user side by using the first intelligent contract, matching the equity voucher transfer request to generate a second equity voucher processing result, and writing the second equity voucher processing result into the blockchain; the clearing house extracts the second equity evidence processing rate information and the second equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract, executes the transfer of the equity evidence and the value fair equivalents between the corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated second equity voucher transfer result into the blockchain.

In practical application, the certificate processing participant writes third equity certificate processing rate information into the blockchain in advance; when judging that the right credential transfer requests received by other credential processing participants have the right credential transfer requests which are not matched with each other or have part of the right credential transfer requests which are not matched with each other, the credential processing participants send the received right credential transfer requests to the public credential processing platform so as to realize the matching of the right credential transfer requests on the public credential processing platform; after the public certificate processing platform matches the equity certificate transfer requests, freezing the relevant value fair equivalents of the user side according to the first intelligent contract, generating a third equity certificate processing result, and writing the third equity certificate processing result into a blockchain; the clearing house extracts the third equity evidence processing rate information and the third equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to the second intelligent contract, executes the transfer of the equity evidence and the value fair equivalents between the corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated third equity voucher transfer result into the blockchain.

Preferably, after obtaining the value fair equivalent and before a equity credential processing cycle begins, the credential processing participant obtains equity credential declaration price data from the public credential processing platform, and uses the equity credential declaration price data to determine initial price data for the equity credential to perform processing of the equity credential.

As a preferred scheme, in response to receiving a value fair equivalent exchange value request sent by the user side, the credential processing participant interacts with the clearing house or interacts with the clearing house and a banking system to exchange the value fair equivalent of the user side into value data, and the exchanged value data is provided to the user side.

In addition, in the embodiment of the invention, the blockchain network is provided with a preset number of blockchain copies shared by all nodes, and servers for storing the blockchain copies are deployed in the same available area of the cloud; wherein the preset number is less than the number of nodes of the blockchain network; the certificate processing participant, the certificate processing platform, the clearing house and the terminal part of the user are used for data display and business operation.

According to the technical scheme of the embodiment of the application, a distributed equity voucher processing flow taking a voucher processing participant and a settlement center as main bodies is designed, and if equity voucher transfer requests of different user ends can be matched inside the voucher processing participant or among the voucher processing participants, equity voucher transaction is executed by the voucher processing participant and settlement is executed by the settlement center. When the request cannot be matched with the inside of the certificate processing participants or the certificate processing participants, the request can be interactively and further matched with the public certificate processing platform, so that the complexity of the exchange system is reduced, the fault tolerance of the whole system is improved, the problem of low single-point fault tolerance of the exchange is solved, and the equity certificate processing efficiency is improved.

The method and the system use the value fair equivalents trusted by the clearing house to replace the currency in the traditional technology to execute the transaction and the clearing of the equity vouchers in the equity vouchers processing flow, the vouchers processing participators can borrow the value fair equivalents from the clearing house for the mortgage by the value assurance data and exchange the value fair equivalents to the user side based on the equity vouchers or the value data, the equity transfer and the corresponding clearing of the equity vouchers and the value fair equivalents can be executed between the user side through the vouchers processing participators, and the bank system can be docked only when the user side needs to exchange the value fair equivalents into the currency, so that the exchange efficiency is improved, the real-time clearing after the transaction is realized, the clearing time window is enlarged, and the expansion of the clearing house to different markets is facilitated. In addition, the equity evidence processing based on the value equity equivalents is beneficial to reducing the fund occupation amount in the actual scene of frequent bidirectional transactions, and the user side can adopt modes of centralized settlement after transactions and the like to settle the accounts according to the final balance, and the user side can mortgage equity evidence to exchange the value equity equivalents, so that the condition that the money is insufficient and cannot be transferred into equity evidence is avoided, the convenience of equity evidence processing is finally improved, and meanwhile, a settlement center can effectively monitor and control market dynamics and fund scale.

The present application may use blockchain-bound cloud computing technology to further increase the efficiency of equity vouchers processing. By incorporating each subject mechanism into the blockchain network, transaction consensus, data transmission and data storage mechanisms based on the blockchain are realized, and the authenticity, credibility and non-falsification of related data records are ensured. And, through directly linking the related information of the equity certificate and the value equity equivalent to carry out real-time collection, the equity of the value equity equivalent is improved, and the related calculation when the intelligent contract of the blockchain is used for settlement can further ensure real-time collection. In order to realize high availability of the blockchain system, only a small number of blockchain physical copies can be arranged in a system architecture design to be shared by all nodes, and the blockchain copies can be deployed in the same available area of a cloud, so that the data synchronization efficiency of the blockchain system can meet the actual requirements of rights and interests credential processing, and in combination with a cloud computing technology based on fifth-generation mobile communication (5G), the credential processing participants, the credential processing platform, a settlement center and data processing and computing of a user side are borne by cloud computing resources, and the terminal is only used for data display and business operation, so that the rights and interests credential processing system has high availability.

Fig. 7 illustrates an exemplary system architecture 700 in which the equity credential processing method or equity credential processing device of embodiments of the present application may be applied.

As shown in fig. 7, a system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705 (this architecture is merely an example, and the components contained in a particular architecture may be tailored to the application specific case). The network 704 is the medium used to provide communication links between the terminal devices 701, 702, 703 and the server 705. The network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 705 via the network 704 using the terminal devices 701, 702, 703 to receive or send messages or the like. Various client applications, such as a equity credential processing application (by way of example only), may be installed on the terminal devices 701, 702, 703.

The terminal devices 701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 705 may be a server providing various services, such as a equity credential processing server (by way of example only) that provides support for applications operated by users with the terminal devices 701, 702, 703. The equity credential processing server may process the received equity credential transfer request and feed back processing results (e.g., transaction and settlement results—by way of example only) to the terminal devices 701, 702, 703.

It should be noted that, the method for processing the equity certificate provided in the embodiments of the present application is generally executed by the server 705, and accordingly, the equity certificate processing device is generally disposed in the server 705.

It should be understood that the number of terminal devices, networks and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The application also provides electronic equipment. The electronic device of the embodiment of the application comprises: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the benefit credential processing method provided by the application.

Referring now to FIG. 8, there is illustrated a schematic diagram of a computer system 800 suitable for use in implementing an electronic device of an embodiment of the present application. The electronic device shown in fig. 8 is only an example and should not impose any limitation on the functionality and scope of use of the embodiments of the present application.

As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data required for the operation of the computer system 800 are also stored. The CPU801, ROM 802, and RAM803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to the bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, mouse, etc.; an output portion 808 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage section 808 including a hard disk or the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. The drive 810 is also connected to the I/O interface 805 as needed. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed on the drive 810 as needed, so that a computer program read out therefrom is installed into the storage section 808 as needed.

In particular, the processes described in the main step diagrams above may be implemented as computer software programs according to embodiments disclosed herein. For example, embodiments of the present application include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the main step diagrams. In the above-described embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The above-described functions defined in the system of the present application are performed when the computer program is executed by the central processing unit 801.

It should be noted that the computer readable medium shown in the present application may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present application, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units involved in the embodiments of the present application may be implemented by software, or may be implemented by hardware. The described units may also be provided in a processor, for example, described as: a processor includes a value fair equivalent processing unit and a credential processing unit. Where the names of these units do not constitute a limitation on the unit itself in some cases, for example, the value fair equivalent processing unit may also be described as "a unit providing value fair equivalent support to a credential processing unit".

As another aspect, the present application also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by the device, cause the device to perform the specific processing steps of the benefit credential described above.

In the technical scheme of the embodiment of the application, the equity voucher processing flow can be simplified based on a blockchain, cloud computing, a value equity equivalent mechanism of a settlement center and a distributed equity voucher processing mechanism, the data processing efficiency is improved, real-time settlement and collection are realized, and therefore multi-market settlement expansion and docking to off-site markets are facilitated.

The above embodiments do not limit the scope of the application. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present application are intended to be included within the scope of the present application.

Claims

1. A rights voucher processing method is characterized by involving a voucher processing participant, a clearing house and a public voucher processing platform; the method comprises the following steps:

the voucher processing participation transmits value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or discounts based on risk consideration and used for supporting equity voucher transfer, provides exchange of the value fair equivalents based on the value data or equity vouchers to a user side, and writes first equity voucher processing rate information into a blockchain; the certificate processing participant, the settlement center, the public certificate processing platform and the user side serve as nodes of a blockchain network, and the data processing parts of the certificate processing participant, the settlement center, the public certificate processing platform and the user side are deployed at a cloud end;

for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, the credential processing participant determines whether there is an equity credential transfer request that matches or partially matches with each other: if so, pre-freezing the relevant value fair equivalents of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain;

The clearing house processes the rate information and the first equity evidence processing result according to the first equity evidence extracted from the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract which is pre-deployed in the blockchain, executes the transfer of the equity evidence and the value fair equivalents between the corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated first equity voucher transfer result into the blockchain.

2. The method of claim 1, wherein the mutually matching equity credential transfer requests include: equity credential transfer-out request based on equity credentials and equity credential transfer-in request based on value fair equivalents.

3. The method according to claim 2, wherein the method further comprises:

the credential processing participant writes second equity credential processing rate information into the blockchain in advance;

when judging that the equity credential transfer requests received by the same credential processing participant have equity credential transfer requests which cannot be matched with each other or have part of equity credential transfer requests which are not matched with each other, the credential processing participant transmits the equity credential transfer requests to other credential processing participants, and the other credential processing participants judge whether the received equity credential transfer requests have matched or partially matched equity credential transfer requests or not: if so, freezing the related value fair equivalent of the user side by using the first intelligent contract, matching the equity voucher transfer request to generate a second equity voucher processing result, and writing the second equity voucher processing result into the blockchain;

The clearing house extracts second equity evidence processing rate information and second equity evidence processing results in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract which is pre-deployed in the blockchain, executes the transfer of equity evidence and the value fair equivalents between corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated second equity voucher transfer result into the blockchain.

4. A method according to claim 3, wherein the method further comprises:

the credential processing participant writes third equity credential processing rate information into the blockchain in advance;

when judging that the right credential transfer requests received by other credential processing participants have the right credential transfer requests which are not matched with each other or have part of the right credential transfer requests which are not matched with each other, the credential processing participants send the received right credential transfer requests to the public credential processing platform so as to realize the matching of the right credential transfer requests on the public credential processing platform;

after the public certificate processing platform matches the equity certificate transfer requests, freezing the relevant value fair equivalents of the user side according to the first intelligent contract, generating a third equity certificate processing result, and writing the third equity certificate processing result into a blockchain;

The clearing house extracts third equity evidence processing rate information and a third equity evidence processing result in the blockchain, releases the freezing of the relevant value fair equivalents of the user side according to a second intelligent contract which is deployed in the blockchain in advance, executes the transfer of equity evidence and the value fair equivalents between corresponding user sides and completes the deduction of the rate; and the clearing house writes the generated third equity voucher transfer result into the blockchain.

5. The method according to claim 4, wherein the method further comprises:

after obtaining the value fair equivalent and before beginning a equity credential processing cycle, the credential processing participant obtains equity credential declaration price data from the public credential processing platform, and determines initial price data for the equity credential using the equity credential declaration price data to perform processing of the equity credential.

6. The method according to claim 1, wherein the method further comprises:

and in response to receiving a value fair equivalent exchange value request sent by the user side, the certificate processing participant interacts with the settlement center or interacts with the settlement center and a banking system, exchanges the value fair equivalent of the user side into value data, and provides the exchanged value data to the user side.

7. The method of claim 1, wherein the blockchain network has a predetermined number of blockchain copies shared by nodes, and servers storing the blockchain copies are deployed in a same available area of the cloud; wherein the preset number is less than the number of nodes of the blockchain network;

the certificate processing participant, the certificate processing platform, the clearing house and the terminal part of the user are used for data display and business operation.

8. The rights voucher processing device is characterized by comprising a voucher processing participant, a clearing house and a public voucher processing platform; the device comprises:

an equivalent processing unit for: transmitting value guarantee data to a clearing house to obtain value fair equivalents of the clearing house equivalent or based on risk consideration discount for supporting equity voucher transfer, providing exchange of the value fair equivalents based on the value data or equity vouchers to a user side, and writing first equity vouchers processing rate information into a blockchain; the certificate processing participant, the settlement center, the public certificate processing platform and the user side serve as nodes of a blockchain network, and the data processing parts of the certificate processing participant, the settlement center, the public certificate processing platform and the user side are deployed at a cloud end;

A credential processing unit configured to: for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, judging whether the equity credential transfer requests matched with each other or partially matched with each other exist or not: if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result by the contract, and writing the first equity voucher processing result into the blockchain; the settlement center processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is pre-deployed in the blockchain, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; the clearing house writes the generated first equity voucher transfer result into the blockchain.

9. A equity credential processing system, comprising: the system comprises a credential processing participant, a clearing house and a public credential processing platform;

for the equity credential transfer requests received by the same credential processing participant and sent by different user ends, the credential processing participant determines whether there is an equity credential transfer request that matches or partially matches with each other: if so, freezing the relevant value fair equivalent of the user end according to the mutually matched or partially matched equity voucher transfer request and a first intelligent contract which is pre-deployed in the blockchain, generating a first equity voucher processing result, and writing the first equity voucher processing result into the blockchain;

The clearing house processes rate information and a first equity evidence processing result according to the first equity evidence extracted from the blockchain and a second intelligent contract which is deployed in the blockchain in advance, so that freezing of relevant value fair equivalents of the user side is relieved, transfer of equity evidence and value fair equivalents between corresponding user sides is executed, and rate deduction is completed; and the clearing house writes the generated first equity voucher transfer result into the blockchain.

10. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-7.

11. A computer readable storage medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-7.