CN117314603A - Resource acquisition method, device, equipment and storage medium based on block chain system - Google Patents

Resource acquisition method, device, equipment and storage medium based on block chain system Download PDF

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CN117314603A
CN117314603A CN202311204247.0A CN202311204247A CN117314603A CN 117314603 A CN117314603 A CN 117314603A CN 202311204247 A CN202311204247 A CN 202311204247A CN 117314603 A CN117314603 A CN 117314603A
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resource
financial
account
information
financial account
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马丽媛
刘宪伟
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

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Abstract

The application relates to a resource acquisition method, a resource acquisition device, a resource acquisition computer device, a resource storage medium and a resource acquisition computer program product based on a blockchain system, which can improve resource acquisition efficiency. The method comprises the following steps: receiving a resource application request of a financial account for a current financial institution node; the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial account; responding to a resource application request, and obtaining account risk information of a financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in a blockchain system; the account information is obtained based on financial services transacted by each financial institution node in the blockchain system by the financial account, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system; and determining a resource application result of the financial account according to the resource information of the multi-mechanism approved resource and the account risk information of the financial account.

Description

Resource acquisition method, device, equipment and storage medium based on block chain system
Technical Field
The present disclosure relates to the field of blockchain technologies, and in particular, to a blockchain system-based resource acquisition method, a blockchain system-based resource acquisition device, a blockchain system-based resource acquisition computer device, a blockchain system-based storage medium, and a blockchain system-based resource acquisition computer program product.
Background
With the development of financial technology, a financial institution may provide a resource application service for a specified resource, and a user may apply for other forms of resources from the financial institution based on its existing resources. In determining whether to provide resources to a user by a financial institution, risk identification is often performed for the user.
In the related art, a financial institution generally obtains a risk identification result after a staff member of the institution performs a related investigation, evaluates the asset quality of a user, and then determines whether to provide resources to the user according to the risk identification result and the evaluation result.
However, this approach often requires a lot of time for the staff to obtain the risk identification result and the assessment result, and the efficiency of the user to obtain the specified resources is low.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a blockchain system-based resource acquisition method, apparatus, computer device, computer readable storage medium, and computer program product that can improve the efficiency of resource acquisition.
In a first aspect, the present application provides a method for resource acquisition based on a blockchain system. The blockchain system includes a plurality of financial institution nodes, the method being applied to any financial institution node in the blockchain system. The method comprises the following steps:
receiving a resource application request of a financial account for a current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
responding to the resource application request, and obtaining account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
and determining a resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
In one embodiment, the obtaining the account risk information of the financial account and the resource information of the multi-mechanism approved resource held by the financial account according to the account information stored in the block corresponding to the financial account in the blockchain system includes:
acquiring financial business information corresponding to financial businesses handled by each financial institution in the blockchain system according to account information stored in a block corresponding to the financial account in the blockchain system;
determining account risk information of the financial account according to the financial business information; the method comprises the steps of,
and determining resource application history information of the financial account according to the financial business information, and determining resource information of multi-mechanism approved resources held by the financial account according to the resource application history information.
In one embodiment, the blockchain system includes a target blockchain for storing resource information of multi-mechanism approved resources held by the financial account, a plurality of the resource information being respectively stored in different blocks in the target blockchain in an update order;
the determining, according to the resource application history information, resource information of the multi-mechanism approval resource held by the financial account includes:
If the resource application history information indicates that the financial account does not apply for the account demand resource for the first time, determining a timestamp of the financial account when the financial account applies for the account demand resource recently according to the financial business information;
and according to the timestamp, inquiring the latest resource information of the multi-mechanism approved resource held by the financial account in the target blockchain.
In one embodiment, the financial business information includes a risk identification result;
the determining the account risk information of the financial account according to each financial business information comprises the following steps:
and acquiring risk identification results in the financial business information, and acquiring account risk information of the financial account according to the risk identification results.
In one embodiment, after determining the resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information, the method further includes:
when the resource application result is that the account demand resource is provided for the financial account, acquiring a resource return record corresponding to the financial account after the financial account acquires the account demand resource provided by the current financial institution node; the resource return record is used for representing the condition that the financial account returns the account demand resource;
And updating account risk information of the financial account in the blockchain system according to the resource return record.
In one embodiment, the method further comprises:
in response to a resource acquisition request of the financial account for a multi-institution approved resource, determining a resource quantity of original resources to be used for exchanging the multi-institution approved resource stored by the financial account at a current financial institution node;
and determining newly added multi-mechanism approved resources corresponding to the resource quantity of the original resources, and updating the resource information of the multi-mechanism approved resources held by the financial account in the blockchain system according to the resource quantity of the newly added multi-mechanism approved resources.
In a second aspect, the present application further provides a resource acquisition device based on a blockchain system. The blockchain system includes a plurality of financial institution nodes, the device being applied to any financial institution node in the blockchain system. The device comprises:
the request receiving module is used for receiving a resource application request of the financial account aiming at the current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
The information inquiry module is used for responding to the resource application request, and obtaining account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to the account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
and the application result determining module is used for determining the resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:
receiving a resource application request of a financial account for a current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
Responding to the resource application request, and obtaining account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
and determining a resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:
receiving a resource application request of a financial account for a current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
Responding to the resource application request, and obtaining account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
and determining a resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:
receiving a resource application request of a financial account for a current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
Responding to the resource application request, and obtaining account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
and determining a resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
The resource obtaining method, the device, the computer equipment, the storage medium and the computer program product based on the blockchain system can receive a resource application request of a financial account aiming at a current financial institution node; the financial account comprises a financial account which is transacted with at least one financial institution node in a blockchain system, and a resource application request is used for requesting the current financial institution node to provide account demand resources of the financial account; responding to a resource application request, and obtaining account risk information of a financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in a blockchain system; the account information is obtained based on financial services transacted by each financial institution node in the blockchain system by the financial account, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system; and determining a resource application result of the financial account according to the resource information and the account risk information of the multi-mechanism approved resource held by the financial account. In this embodiment, for the financial business handled by the financial account at each financial institution node, the corresponding account information may be stored in the blockchain system, so that when the current financial institution node receives the resource application request, the account risk information may be determined rapidly based on the account information provided by other trusted nodes in the blockchain system, and whether to provide resources for the financial account may be determined by combining the account risk information and the multiple financial institution nodes approved by each financial institution node, thereby effectively shortening the time for determining the financial account risk and the resource quality by the financial institution node, and improving the efficiency of obtaining resources by the user.
Drawings
FIG. 1 is an application environment diagram of a blockchain system-based resource acquisition method in one embodiment;
FIG. 2 is a flow chart of a method for resource acquisition based on a blockchain system in an embodiment;
FIG. 3 is a flowchart illustrating steps for obtaining resource information of multiple mechanism approval resources according to one embodiment;
FIG. 4 is a block diagram of a resource acquisition device based on a blockchain system in an embodiment;
FIG. 5 is an internal block diagram of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
The resource obtaining method based on the blockchain system provided by the embodiment of the application can be applied to an application environment shown in fig. 1, wherein the application environment comprises a blockchain system and a terminal, a plurality of financial institution nodes in the blockchain system, and each financial institution node can correspond to at least one financial institution. The terminal may communicate with any financial institution node in the blockchain system over a network.
In the embodiment of the application, the terminal may send a resource application request to a designated financial institution node based on the currently used financial account, and accordingly, the financial institution node may receive the resource application request of the financial account for the current financial institution node; the financial account is an account which is transacted with financial business by at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial account; responding to the resource application request, the current financial institution node can obtain account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to the account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by each financial institution node in the blockchain system by the financial account, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system; and the current financial institution node can determine the resource application result of the financial account according to the resource information and the account risk information of the multi-mechanism approved resource held by the financial account.
The terminal can be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things equipment and portable wearable equipment, and the internet of things equipment can be smart televisions, smart vehicle-mounted equipment and the like. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The financial institution node may be implemented as a stand-alone server or as a server cluster of multiple servers.
In one embodiment, as shown in fig. 2, a resource obtaining method based on a blockchain system is provided, and the method is applied to any financial institution node in the blockchain system of fig. 1 for illustration, and includes the following steps:
s201, receiving a resource application request of a financial account for a current financial institution node; the financial accounts include financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application requests account demand resources for requesting the current financial institution node to provide the financial accounts.
In practice, the blockchain system includes a plurality of financial institution nodes, and in some alternative embodiments, the blockchain system may be built based on an ethernet public chain, the consensus mechanism is built on a trusted predefined set of nodes, such as a plurality of financial institutions both domestic and foreign, each of which may manage a single node, and the block is verified by n signers within the network; the network architecture of the blockchain system is a distributed network, can be formed by interconnecting nodes which are distributed at different places and are provided with a plurality of devices (such as terminals or servers), and has higher reliability compared with a mobile communication network provided by a traditional third party service provider because the communication is completed by a mesh path.
The terminal may send a resource application request to a designated financial institution node (i.e., the current financial institution node) based on the currently used financial account, before which the user may transact a financial transaction with at least one financial institution node in the blockchain system through the financial account, and the financial institution node transacting the financial transaction with the financial account may correspondingly obtain account information related to the financial transaction and upload the account information to be stored in the blockchain system. In some embodiments, the account information may include at least one of the following: transaction records of financial accounts, transaction types, transaction time, and transaction party identifiers.
The user can request the current financial institution node to provide account demand resources of the financial account by sending a resource application request.
In some alternative embodiments, the user may use a decentralizing application (Dapp) at the terminal, such as a decentralizing financial service application, through which the resource application request is triggered, so that decentralizing finance (Decentralized Finance, deFi) may be implemented by combining the decentralizing application with the blockchain system, and the user may perform account registration, transacting financial business, and so on in the decentralizing finance application.
The application of decentralization can be understood as an application which runs on a distributed network, the information of participants is protected (possibly anonymous) and the decentralization operation is carried out by different people through network nodes. From the ethernet perspective it is a transaction agreement, a contract or set of contracts, executed according to conditions set on the blockchain. At least a portion of the application data generated by the user when using the decentralized application may be stored in the blockchain system after encryption, such as transaction information for financial transactions.
In some alternative embodiments, anyone can create products and services on the blockchain system for an off-centered financial services application developed for open sources, making financial transactions based on the off-centered financial services application more autonomous and controllable. After development is completed, a test environment can be constructed by using a TestNet network, an account is created to obtain test resources, the running efficiency and the program security level of the decentralised application are checked, and after the test is passed, the test resources can be published on a backbone network (MainNet) of a blockchain through interfaces such as an API (Application Programming Interface, application program interface) and the like.
When upgrading or updating the decentralised application, the decentralised application can be upgraded according to feedback and technical requirements of users, and the application upgrading can be performed after most users (for example, the number of users exceeds half or exceeds a preset threshold) reach consensus.
S202, responding to a resource application request, and obtaining account risk information of a financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in a blockchain system; the account information is obtained based on financial transactions conducted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approval resource is a resource approved by each financial institution node in the blockchain system.
After receiving the resource application request, the current financial institution node may first determine whether the financial account has corresponding other resources for exchanging account demand resources, because the financial account needs to acquire account demand resources. In this step, the current financial institution node may query the account information of the financial account in the blockchain system to obtain account information corresponding to the financial account stored in the blockchain system through the corresponding block.
Then, the current financial institution node can obtain account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to the account information corresponding to the financial account. Specifically, on one hand, when each financial institution node in the blockchain system handles financial business for a financial account, by encrypting and storing account information related to the financial business into the blockchain system, information islands among different financial institution nodes are avoided, account information sharing among different financial institution nodes is realized, meanwhile, based on the characteristic that the blockchain system cannot be tampered, the cost consumed by each financial institution node for processing a plurality of links such as risk control, safety protection and system operation and maintenance of the financial business is reduced, and the financial business processing efficiency is improved; on the other hand, by storing the resource information of the multi-mechanism approved resources held by the financial account in the blockchain, a user can quickly acquire account demand resources at each financial institution node in the blockchain system, and the resource acquisition efficiency is effectively improved.
S203, determining a resource application result of the financial account according to the resource information and the account risk information of the multi-mechanism approved resource held by the financial account.
In some alternative embodiments, after obtaining the resource information and the account risk information of the multi-mechanism approval resource held by the financial account, it may be further determined whether the resource information of the multi-mechanism approval resource held by the financial account meets the resource application condition, for example, the resource amount of the multi-mechanism approval resource may be obtained according to the resource information, and whether the resource amount corresponds to the resource amount of the account demand resource to be obtained by the user, for example, the difference between the resource amount of the multi-mechanism approval resource and the resource amount of the account demand resource is less than the preset difference threshold. In other alternative embodiments, it may also be determined whether the account risk information meets a preset risk condition, for example, when the account risk information is at a risk level or risk level, whether the account risk information is less than the preset risk level or risk level.
Furthermore, a resource application result of the financial account can be obtained according to the analysis result of the multi-mechanism approved resource information and the account risk information of the financial account, wherein the resource application result can indicate whether to provide account demand resources for the financial account.
In some embodiments, if it is determined to provide account demand resources to a financial account, the transfer of account demand resources may be based on a smart contract in the blockchain system. Smart contracts (Smart contracts) are a type of computer protocol that aims to propagate, verify or execute contracts in an informative manner, which allow trusted transactions to be conducted without third parties, which transactions are traceable and irreversible. In some cases, when resource transfer is performed through the blockchain system, as more financial institution nodes exist in the blockchain system, the difficulty of achieving complete unified consensus in the blockchain system is higher, so that the concurrency is lower, and for this purpose, the intelligent contract can be developed by using the Rust language (a system programming language), and meanwhile, the problems of high concurrency and low safety of the system are solved.
In this embodiment, a resource application request of a financial account for a current financial institution node may be received; the financial account comprises a financial account which is transacted with at least one financial institution node in a blockchain system, and a resource application request is used for requesting the current financial institution node to provide account demand resources of the financial account; responding to a resource application request, and obtaining account risk information of a financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in a blockchain system; the account information is obtained based on financial services transacted by each financial institution node in the blockchain system by the financial account, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system; and determining a resource application result of the financial account according to the resource information and the account risk information of the multi-mechanism approved resource held by the financial account. In this embodiment, for the financial business handled by the financial account at each financial institution node, the corresponding account information may be stored in the blockchain system, so that when the current financial institution node receives the resource application request, the account risk information may be determined rapidly based on the account information provided by other trusted nodes in the blockchain system, and whether to provide resources for the financial account may be determined by combining the account risk information and the multiple financial institution nodes approved by each financial institution node, thereby effectively shortening the time for determining the financial account risk and the resource quality by the financial institution node, and improving the efficiency of obtaining resources by the user.
In some embodiments, when the blockchain system is an ethernet, because the transactions on the ethernet are atomic, the financial account can be borrowed without submitting collateral for account demand resources, and in particular, when the financial account requests for account demand resources, if any error or failure occurs before providing multi-mechanism approval resources, the entire transaction will rollback, all state changes will be restored, the financial account will not assume the relevant borrowing responsibility, i.e., if a portion of the operations in the transaction process are in error, the atomicity ensures that the entire transaction will not be successfully performed, which avoids potential security risks or inconsistent results.
In one embodiment, as shown in fig. 3, S202 obtains account risk information of a financial account and resource information of a multi-mechanism approval resource held by the financial account according to account information stored in a block corresponding to the financial account in the blockchain system, and may include the following steps:
s301, acquiring financial business information corresponding to financial businesses handled by each financial institution in the blockchain system according to account information stored in a block corresponding to the financial account in the blockchain system.
In practical applications, when the financial institution nodes record information about financial business of a financial account, the financial account may be used as a dimension to store the financial business information, for example, the financial institution nodes may create a block for the financial account in the blockchain system according to an account identifier corresponding to the financial account, for example, the identifier corresponding to the block may include the account identifier of the financial account, and store the financial business information in the block.
And after receiving the resource application request, the current financial institution node can query in the blockchain system according to the account identifier, determine at least one block related to the financial account, and obtain financial business information corresponding to financial businesses transacted by each financial institution in the blockchain system by the financial account from the at least one block.
S302, determining account risk information of the financial account according to the financial business information.
In an alternative embodiment, after obtaining the financial business information, the current financial institution node may combine the financial business information to comprehensively evaluate the account risk information of the financial account, so as to reduce an evaluation error in the risk evaluation process. For example, the account risk information may be obtained by evaluating the account risk of the financial account by the current financial institution node in combination with the financial transaction information.
S303, determining resource application history information of the financial account according to the financial business information, and determining resource information of the multi-mechanism approved resources held by the financial account according to the resource application history information.
In this step, the current financial institution node may determine resource application history information of the financial account according to each financial service information, and query or predict the resource application history information to obtain resource information of the multi-mechanism approved resource held by the financial account. For example, each financial account may obtain a fixed number of multi-mechanism approved resources in advance, and the number of multi-mechanism approved resources obtained in advance by the financial account may be adjusted through the resource application history information, thereby obtaining the prediction result.
In this embodiment, on one hand, comprehensive information of a financial account can be obtained based on financial business information provided by each financial node, so that reliability and accuracy of finally obtained account risk information are improved; on the other hand, the resource information of the multi-mechanism approved resource held by the financial account can be determined according to the financial business information, so that the acquisition speed of the resource information is improved.
In one embodiment, the blockchain system includes a target blockchain for storing resource information of a multi-mechanism approved resource held by the financial account, the plurality of resource information being stored in different blocks in the target blockchain, respectively, in an update order; that is, the blockchain used to store financial transaction information is different from the blockchain used to store resource information, wherein, for ease of distinction, the blockchain used to store resource information may also be referred to as a first blockchain and the blockchain used to store financial transaction information may also be referred to as a second blockchain.
Accordingly, the step of determining the resource information of the multi-mechanism approval resource held by the financial account according to the resource application history information S303 may include the following steps:
if the resource application history information indicates that the financial account does not apply for the account demand resource for the first time, determining a timestamp of the financial account when the financial account applies for the account demand resource recently according to the financial business information; and inquiring the latest resource information of the multi-mechanism approved resource held by the financial account in the target blockchain according to the timestamp.
In practical application, the financial account can apply for resources for multiple times through the multi-mechanism approval resources held by the financial account, each financial institution node can determine whether to provide account demand resources for the financial account according to the received resource application request, deduct the multi-mechanism approval resources held by the financial account when determining to provide the account demand resources, and then update corresponding resource information in the blockchain system, a plurality of blocks related to the same financial account may exist in the blockchain system, and each block stores the multi-mechanism approval resources remained after the financial account requests for resources at different times.
In this embodiment, whether the user applies for the account requirement in the blockchain system for the first time may be determined according to the resource application history information, if the resource application history information indicates that the financial account does not apply for the account requirement resource for the first time, the current financial institution node may determine a timestamp when the financial account recently applies for the account requirement resource according to the financial service information, for example, determine a resource application service for applying for the account requirement resource, which is last transacted by the financial account, according to the financial service information, and then obtain the corresponding timestamp. The target blockchain may then be queried for up-to-date resource information for the multi-mechanism approved resource held by the financial account based on the timestamp. Therefore, accurate and reliable latest resource information can be quickly obtained.
In one embodiment, the financial business information includes risk identification results; step S302 of determining account risk information of the financial account according to each financial service information may include the following steps:
and acquiring risk identification results in the financial business information, and acquiring account risk information of the financial account according to the risk identification results.
In an alternative embodiment, the risk identification result in the financial transaction information may include a risk rating of the financial account by the financial institution node providing the corresponding financial transaction information, for example, the risk rating may be determined according to an account behavior of the financial account when the financial institution node transacts the financial transaction. The current financial institution node may then combine the multiple risk identification results to determine a final risk identification result for the financial account and act as account risk information. Alternatively, in the case where there are a plurality of risk recognition results, the current financial institution node may compare each risk recognition result, and use the risk recognition result with the highest reliability as account risk information of the financial account.
In this embodiment, the account risk information of the financial account is obtained according to each risk identification result, so that deviation caused by determining the account risk information based on single financial account information can be reduced, and accuracy of the account risk information is improved.
In one embodiment, after determining the resource application result of the financial account according to the resource information and the account risk information of the multi-mechanism approval resource held by the financial account in S203, the method further includes:
when the resource application result is that the account demand resource is provided for the financial account, acquiring a resource return record corresponding to the financial account after the financial account acquires the account demand resource provided by the current financial institution node; and updating account risk information of the financial account in the blockchain system according to the resource return record.
The resource return record is used for characterizing the condition of the financial account return account demand resource, and may include at least one of the following information: the financial account returns the time of the account demand resource, the returned resource quantity, whether the returning exceeds the time or not and the exceeding time.
In some embodiments, where the financial institution node provides account demand resources to the financial account, the financial account may need to return account demand resources to the financial institution node within a preset period, and accordingly, the financial institution node may also return multi-mechanism approval resources to the financial account.
In this embodiment, when the resource application result is that the account demand resource is provided to the financial account, the current financial institution node may provide the account demand resource to the financial account, and record the situation that the financial account returns the account demand resource, so as to obtain a resource return record. Then, after detecting the account risk information updating event, the current financial institution node may acquire an existing resource return record of the financial account, then determine current account risk information of the financial account according to the acquired resource return record corresponding to the financial account, and update the account risk information of the financial account in the blockchain system, for example, the current acquired account risk information may be stored in a block corresponding to the financial account.
In this embodiment, the account risk information of the financial account is updated in the blockchain system in time according to the resource return record, so that other financial institution nodes in the blockchain system can conveniently acquire the latest account risk information of the financial account, and reliability and accuracy of the account risk information acquired by the financial institution nodes are ensured.
In one embodiment, the method may further comprise the steps of:
In response to a resource acquisition request of the financial account for the multi-institution approved resource, determining a resource quantity of original resources of the financial account stored at the current financial institution node to be used for exchanging the multi-institution approved resource; and determining newly increased mechanism approved resources corresponding to the number of resources of the original resources, and updating the resource information of the multi-mechanism approved resources held by the financial account in the blockchain system according to the number of resources of the newly increased mechanism approved resources.
In particular implementations, the financial account may send a resource acquisition request to a user-specified financial institution node requesting acquisition of a multi-institution-approved resource from the specified financial institution node.
In this embodiment, if the current financial institution node receives the resource acquisition request of the financial account, the number of resources of the original resources of the current financial institution node and the number of resources of the multi-mechanism authorized resources to be acquired by the financial account carried in the resource acquisition request can be combined to determine the number of resources of the original resources of the financial account stored in the current financial institution node to be used for exchanging the multi-mechanism authorized resources. In some examples, the original resource may be referred to as a virtual stable token and the multi-mechanism approved resource may be referred to as a virtual token. In some embodiments, the intelligent contracts define a consensus of exchange rates (also referred to as mortgage rates), clearing mechanisms, etc. between multi-mechanism approved resources and original resources provided by users in the present blockchain system, and the current financial institution node may determine corresponding newly added mechanism approved resources based on the intelligent contracts.
Further, the current financial institution node may determine a newly added multi-mechanism approval resource corresponding to the number of resources of the original resource, update the resource information of the multi-mechanism approval resource held by the financial account in the blockchain system according to the number of resources of the newly added multi-mechanism approval resource, for example, may acquire the number of resources of the multi-mechanism approval resource existing in the financial account, determine the sum of the number of resources of the multi-mechanism approval resource existing in the financial account and the number of resources of the newly added multi-mechanism approval resource as new resource information, and update the resource information of the multi-mechanism approval resource held by the financial account by using the new resource information.
In this embodiment, on the one hand, the accuracy of the resource information stored in the blockchain system can be effectively ensured by updating the resource information of the multi-mechanism approval resource held by the financial account in the blockchain system according to the resource number of the newly-added multi-mechanism approval resource, and on the other hand, the user can conveniently apply for obtaining the account demand resource required by the user from any financial institution node in the blockchain system by obtaining the multi-mechanism approval resource, thereby improving the flow of the resource.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides a resource acquisition device based on the blockchain system, which is used for realizing the resource acquisition method based on the blockchain system. The implementation of the solution provided by the apparatus is similar to the implementation described in the above method, so the specific limitation in the embodiments of the resource acquisition apparatus based on a blockchain system provided below may be referred to as the limitation of the resource acquisition method based on a blockchain system hereinabove, and will not be repeated herein.
In one embodiment, as shown in fig. 4, there is provided a resource acquisition device based on a blockchain system, including:
a request receiving module 401, configured to receive a resource application request of a financial account for a current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
the information query module 402 is configured to obtain account risk information of the financial account and resource information of a multi-mechanism approved resource held by the financial account according to account information stored in a block corresponding to the financial account in the blockchain system in response to the resource application request; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
the application result determining module 403 is configured to determine a resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
In one embodiment, the information query module 402 is configured to:
acquiring financial business information corresponding to financial businesses handled by each financial institution in the blockchain system according to account information stored in a block corresponding to the financial account in the blockchain system;
determining account risk information of the financial account according to the financial business information; the method comprises the steps of,
and determining resource application history information of the financial account according to the financial business information, and determining resource information of multi-mechanism approved resources held by the financial account according to the resource application history information.
In one embodiment, the blockchain system includes a target blockchain for storing resource information of multi-mechanism approved resources held by the financial account, a plurality of the resource information being respectively stored in different blocks in the target blockchain in an update order;
the information query module 402 is configured to:
if the resource application history information indicates that the financial account does not apply for the account demand resource for the first time, determining a timestamp of the financial account when the financial account applies for the account demand resource recently according to the financial business information;
And according to the timestamp, inquiring the latest resource information of the multi-mechanism approved resource held by the financial account in the target blockchain.
In one embodiment, the financial business information includes risk identification results;
the information query module 402 is configured to:
and acquiring risk identification results in the financial business information, and acquiring account risk information of the financial account according to the risk identification results.
In one embodiment, the apparatus further comprises:
the resource return record acquisition module is used for acquiring a resource return record corresponding to the financial account after the financial account acquires the account demand resource provided by the current financial institution node when the resource application result is that the account demand resource is provided for the financial account; the resource return record is used for representing the condition that the financial account returns the account demand resource;
and the account risk updating module is used for updating the account risk information of the financial account in the blockchain system according to the resource return record.
In one embodiment, the apparatus further comprises:
a resource acquisition request receiving module, configured to determine, in response to a resource acquisition request of the financial account for a multi-mechanism approval resource, a resource quantity of an original resource to be used for exchanging the multi-mechanism approval resource, the original resource being stored in a current financial institution node by the financial account;
And the resource information updating module is used for determining newly-increased mechanism approved resources corresponding to the resource quantity of the original resources and updating the resource information of the multi-mechanism approved resources held by the financial account in the blockchain system according to the resource quantity of the newly-increased mechanism approved resources.
The various modules in the above-described blockchain system-based resource acquisition device may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 5. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing data for realizing a resource acquisition method based on a blockchain system. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program, when executed by a processor, implements a resource acquisition method based on a blockchain system.
It will be appreciated by those skilled in the art that the structure shown in fig. 5 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, implements the steps of the method embodiments described above.
In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data are required to comply with the related laws and regulations and standards of the related countries and regions.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims (10)

1. A blockchain system-based resource acquisition method, wherein the blockchain system includes a plurality of financial institution nodes, the method being applied to any financial institution node in the blockchain system, the method comprising:
receiving a resource application request of a financial account for a current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
Responding to the resource application request, and obtaining account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
and determining a resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
2. The method according to claim 1, wherein the obtaining the account risk information of the financial account and the resource information of the multi-mechanism approved resource held by the financial account according to the account information stored in the block corresponding to the financial account in the blockchain system includes:
acquiring financial business information corresponding to financial businesses handled by each financial institution in the blockchain system according to account information stored in a block corresponding to the financial account in the blockchain system;
Determining account risk information of the financial account according to the financial business information; the method comprises the steps of,
and determining resource application history information of the financial account according to the financial business information, and determining resource information of multi-mechanism approved resources held by the financial account according to the resource application history information.
3. The method of claim 2, wherein the blockchain system includes a target blockchain for storing resource information of multi-mechanism approved resources held by the financial account, a plurality of the resource information being stored in different blocks in the target blockchain, respectively, in an update order;
the determining, according to the resource application history information, resource information of the multi-mechanism approval resource held by the financial account includes:
if the resource application history information indicates that the financial account does not apply for the account demand resource for the first time, determining a timestamp of the financial account when the financial account applies for the account demand resource recently according to the financial business information;
and according to the timestamp, inquiring the latest resource information of the multi-mechanism approved resource held by the financial account in the target blockchain.
4. The method of claim 2, wherein the financial business information includes risk identification results;
the determining the account risk information of the financial account according to each financial business information comprises the following steps:
and acquiring risk identification results in the financial business information, and acquiring account risk information of the financial account according to the risk identification results.
5. The method of claim 1, further comprising, after determining the resource application result of the financial account according to the resource information of the multi-mechanism approval resource held by the financial account and the account risk information:
when the resource application result is that the account demand resource is provided for the financial account, acquiring a resource return record corresponding to the financial account after the financial account acquires the account demand resource provided by the current financial institution node; the resource return record is used for representing the condition that the financial account returns the account demand resource;
and updating account risk information of the financial account in the blockchain system according to the resource return record.
6. The method according to any one of claims 1 to 5, further comprising:
in response to a resource acquisition request of the financial account for a multi-institution approved resource, determining a resource quantity of original resources to be used for exchanging the multi-institution approved resource stored by the financial account at a current financial institution node;
and determining newly added multi-mechanism approved resources corresponding to the resource quantity of the original resources, and updating the resource information of the multi-mechanism approved resources held by the financial account in the blockchain system according to the resource quantity of the newly added multi-mechanism approved resources.
7. A blockchain system-based resource acquisition device, wherein the blockchain system includes a plurality of financial institution nodes, the device being applied to any financial institution node in the blockchain system, the device comprising:
the request receiving module is used for receiving a resource application request of the financial account aiming at the current financial institution node; the financial accounts comprise financial accounts transacted with at least one financial institution node in the blockchain system, and the resource application request is used for requesting the current financial institution node to provide account demand resources of the financial accounts;
The information inquiry module is used for responding to the resource application request, and obtaining account risk information of the financial account and resource information of multi-mechanism approved resources held by the financial account according to the account information stored in a block corresponding to the financial account in the blockchain system; the account information is obtained based on financial services transacted by the financial account at each financial institution node in the blockchain system, and the multi-mechanism approved resource is a resource approved by each financial institution node in the blockchain system;
and the application result determining module is used for determining the resource application result of the financial account according to the resource information of the multi-mechanism approved resource held by the financial account and the account risk information.
8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
CN202311204247.0A 2023-09-18 2023-09-18 Resource acquisition method, device, equipment and storage medium based on block chain system Pending CN117314603A (en)

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