CN117314605B - Internet financial business process management method and system - Google Patents

Internet financial business process management method and system Download PDF

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CN117314605B
CN117314605B CN202311611945.2A CN202311611945A CN117314605B CN 117314605 B CN117314605 B CN 117314605B CN 202311611945 A CN202311611945 A CN 202311611945A CN 117314605 B CN117314605 B CN 117314605B
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曹天佑
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Weishenma Technology Dalian Co ltd
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Abstract

The invention relates to the field of internet financial business, in particular to an internet financial business process management method and system. The method provided by the invention comprises the following steps: setting subdomain servers in any internet financial service management area, and linking all subdomain servers in the internet financial service management area to form an internet financial service management platform; setting a block main chain in an Internet financial business management platform; according to the internet financial service type in any internet financial service management area, a block sub-chain is arranged in a corresponding sub-domain server; and verifying the identity of the edge terminal by using the subdomain server, and matching the corresponding intelligent contract according to the type of the internet financial service selected by the edge terminal to upload the data to the corresponding block sub-chain. The invention provides a safe and efficient internet financial business process management method for financial institutions by combining the mixed blockchain technology with the distributed sub-domain server.

Description

Internet financial business process management method and system
Technical Field
The invention relates to the field of internet financial business, in particular to an internet financial business process management method and system.
Background
The rapid development of internet finance provides a wider innovation opportunity for financial institutions and also brings new challenges. As data related to internet financial services such as transaction data, customer data, and financial instrument data continue to increase, the difficulty of financial institutions managing these related data is also increasing; meanwhile, as the internet financial business relates to transaction sensitive information and client sensitive information, data leakage, fraud and hacking attack can bring about not only significant loss to clients but also significant damage to related financial institutions; and modern customers are more desirous of quick, convenient, personalized internet financial business services. Therefore, there is a need for a method and a system for managing flow of internet financial services, which provide automated management and intelligent decision service for managing flow data in current internet financial services on the premise of ensuring that user privacy is not easy to leak.
Disclosure of Invention
Aiming at the requirements of practical application, the invention provides an internet financial business process management method and system, which aim to meet the data process management requirements of financial institutions on current mass internet financial businesses on the premise of ensuring that the privacy of users is not easy to leak, and provide faster, more convenient and personalized internet financial business services for clients.
In a first aspect, the present invention provides a method for managing an internet financial business process, including the following steps: setting subdomain servers in any internet financial service management area, and linking all subdomain servers in the internet financial service management area to form an internet financial service management platform; setting a block main chain in the internet financial service management platform, wherein the block main chain comprises intelligent contracts applicable to all internet financial service types; according to the internet financial service type in any internet financial service management area, a block sub-chain is arranged in a corresponding sub-domain server based on the block main chain, and one or more intelligent contracts suitable for the internet financial service type in the corresponding internet financial service management area are included in the block sub-chain; and verifying the identity of the edge terminal by using the subdomain server, and matching the corresponding intelligent contract according to the type of the internet financial service selected by the edge terminal to upload the data to the corresponding block sub-chain. The invention constructs an Internet financial service management platform with a mixed blockchain, and based on intelligent contracts arranged on the mixed blockchain in the Internet financial service management platform, the flow management requirements of mass Internet financial service data are met by utilizing a plurality of blockchains on the premise of ensuring the safety and privacy of the data; meanwhile, the invention realizes the accurate matching of the intelligent contract through the intelligent contract and the intelligent decision engine, provides personalized data management and service for the client, and further improves the experience quality of the client. By introducing the mixed blockchain and the distributed sub-domain server, the invention effectively solves the problems of data management, safety, personalized service and the like in the internet financial service, improves the efficiency of the current internet financial service data management, enhances the safety of the internet financial service data, and simultaneously meets the requirements of customers on quick, convenient and personalized service.
Optionally, the division of the internet financial service management area is based on one or more characteristic factors including, but not limited to, geographic location, service type, customer group, and regulatory requirements. The selectable items provide a basis for diversified division of the internet financial service management area, and provide a more flexible and diversified management framework for the internet financial service, so that the invention can better adapt to different markets and customer requirements.
Optionally, one or more subdomain servers are included in any of the internet financial services management areas. The deployment mode provided by the selectable item allows the number of subdomain servers to be adjusted according to the requirements and characteristic factors of each area so as to better adapt to the scale and business requirements of different management areas, and the internet financial institutions can better manage and monitor financial businesses in each management area.
Optionally, a block main chain is set in the internet financial service management platform, and the block main chain includes intelligent contracts applicable to all internet financial service types, including the following steps: selecting a blockchain platform based on the internet financial service management platform, wherein the blockchain platform comprises an ethernet workshop, hyperledger Fabric or polkalot; setting a block main chain structure on the block chain platform, wherein the structure comprises a block size, a block interval, a consensus algorithm and a data storage mechanism; and setting corresponding intelligent contracts based on different types of internet financial services, and deploying the intelligent contracts of all internet financial service types to the block main chain. The selectable item realizes the flow management of the internet financial business by setting a block main chain and arranging intelligent contracts applicable to all internet financial business types on the block main chain; meanwhile, the structure of the block main chain and the arrangement of the intelligent contract enable the internet financial business in the management area to be more efficient and safer, are beneficial to improving the quality of financial service and provide better experience for clients.
Optionally, the setting the corresponding intelligent contracts based on different types of internet financial services includes the following steps: identifying and defining different types of internet financial transactions, including payment transactions, loan transactions, investment transactions, and insurance transactions; corresponding smart contracts are set based on any type of internet financial service, including service logic, operational rules, data storage, and interaction rules. The selectable item ensures that the intelligent contract can be automatically executed according to the unique requirements by creating a special intelligent contract for each type, thereby improving the efficiency and reliability of the internet financial service.
Optionally, the setting a block sub-chain in the corresponding sub-domain server based on the block main chain according to the internet financial service type in any internet financial service management area includes the following steps: according to the internet financial business type in the internet financial business management area, intelligent contracts suitable for the internet financial business type in the corresponding internet financial business management area are screened out from all intelligent contracts; setting block secondary chains with the same structure as the block main chain in the corresponding sub-domain servers; and deploying intelligent contracts suitable for the Internet financial business types in the corresponding Internet financial business management areas to the corresponding block sub-chains. The selectable item screens the service types applicable to each area from the existing intelligent contracts according to the specific requirements of each area, and then sets corresponding block sub-chains on the sub-domain servers, so that higher system efficiency and resource utilization rate are realized. The method provided by the selectable item ensures that business data in different areas can be processed in parallel, thereby improving the performance and flexibility of the whole internet financial business management system. By the method provided by the selectable item, different types of internet financial services can be effectively managed and monitored.
Optionally, the setting a block sub-chain in the corresponding sub-domain server based on the block main chain according to the internet financial service type in any internet financial service management area further includes the following steps: and setting a data synchronization mechanism, wherein the data synchronization mechanism is used for ensuring the consistency of data storage between any block secondary chain and the block main chain. The selectable item ensures the data consistency between the block sub-chain and the block main chain by introducing a data synchronization mechanism, thereby ensuring the accuracy and the integrity of the data stored in the block main chain.
Optionally, the setting the data synchronization mechanism includes the following steps: setting a data synchronization request time sequence of a block sub-chain in any sub-domain server in a time sequence synchronization period based on a plurality of sub-domain servers in the Internet financial service management platform; dynamically adjusting the data synchronization request time sequence of the block sub-chain based on the service volume of each Internet financial service management area in the last time sequence synchronization period; and linking the block sub-chain and the block main chain by using the sub-domain server according to the adjusted data synchronization request time sequence, so that any block sub-chain is synchronously uplink to the block main chain in the corresponding data synchronization request time sequence. The data synchronization mechanism provided by the selectable item allows the data synchronization request time sequence to be flexibly set in the time sequence synchronization period, and dynamic adjustment is carried out according to the fluctuation of different service volumes. This helps to reduce unnecessary data synchronization operations, reduce overhead, and maintain data real-time. By the method provided by the selectable item, the data consistency of the block chain system can be managed more effectively so as to adapt to the continuously changing business requirements and ensure the accuracy and the reliability of the data.
Optionally, the setting the data synchronization mechanism further includes the following steps: setting a time sequence weight coefficient adjustment model, wherein the time sequence weight coefficient adjustment model is used for obtaining the data synchronization time sequence length of the block auxiliary chain in any one internet financial service management area in the next time sequence synchronization period according to the service volume of each internet financial service management area in the last time sequence synchronization period. The time sequence weight coefficient adjustment model introduced by the selectable item automatically adjusts the data synchronization time sequence according to the load and the demand, so that intelligent data synchronization optimization among different areas is realized, and the method is beneficial to providing more excellent financial services for users.
In a second aspect, the present invention further provides an internet financial business process management system, including an input device, a processor, a memory, and an output device, where the input device, the processor, the memory, and the output device are connected to each other, where the memory is configured to store a computer program, the computer program includes program instructions, and the processor is configured to invoke the program instructions to execute the internet financial business process management method provided in the first aspect. The internet financial business process management system provided by the invention provides a complete solution for internet financial business data management, can be used for data whole process monitoring of various financial business activities such as payment, loan, investment, insurance and the like, and is more efficient, customizable and user-friendly.
Drawings
FIG. 1 is a flowchart of a method for managing an Internet financial business process according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a sub-domain server deployment according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a networked financial business process management system according to an embodiment of the present invention.
Detailed Description
Specific embodiments of the invention will be described in detail below, it being noted that the embodiments described herein are for illustration only and are not intended to limit the invention. In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. However, it will be apparent to one of ordinary skill in the art that: no such specific details are necessary to practice the invention. In other instances, well-known circuits, software, or methods have not been described in detail in order not to obscure the invention.
Throughout the specification, references to "one embodiment," "an embodiment," "one example," or "an example" mean: a particular feature, structure, or characteristic described in connection with the embodiment or example is included within at least one embodiment of the invention. Thus, the appearances of the phrases "in one embodiment," "in an embodiment," "one example," or "an example" in various places throughout this specification are not necessarily all referring to the same embodiment or example. Furthermore, the particular features, structures, or characteristics may be combined in any suitable combination and/or sub-combination in one or more embodiments or examples. Moreover, those of ordinary skill in the art will appreciate that the illustrations provided herein are for illustrative purposes and that the illustrations are not necessarily drawn to scale.
In an alternative embodiment, please refer to fig. 1, fig. 1 is a flowchart of an internet financial business process management method according to an embodiment of the present invention. As shown in fig. 1, the internet financial business process management method includes the following steps:
and S01, setting a subdomain server in any internet financial service management area, and linking all subdomain servers in the internet financial service management areas to form an internet financial service management platform.
The internet financial service management area according to the present invention refers to a specific area or region where a certain financial institution manages or monitors internet financial services having one or more identical features. Further, any internet financial transaction management area may be divided into a plurality of sub-management areas for more efficient management, supervision and provision of related financial products and services.
The internet financial transaction management area may take on different standards and scales depending on the needs and strategy of the organization or organization. In particular, the division of the internet financial service management area is based on one or more characteristic factors including, but not limited to, geographic location, service type, customer group, regulatory requirements.
Wherein the management area is divided according to geographic location, such as city, country, region, etc.; dividing the management area by geographic location may allow institutions to better manage and monitor internet financial transactions within a particular geographic area. The management area is divided according to different types of internet financial services, such as payment, loan, investment, etc.; the type of traffic may enable an organization to focus on managing a particular type of traffic. The management area is divided according to different customer groups, such as retail customers, enterprise customers, high net value customers, etc.; dividing the management area by the customer group can provide more personalized service according to different customer demands. The management areas are divided according to different regulations and supervision requirements; different regions or countries may have different regulatory and compliance requirements, requiring targeted management.
Further, step S01 allocates a corresponding sub-domain server within the specific internet financial service management area to process and manage data within the specific internet financial service management area and provide a corresponding service using the sub-domain server. In particular, the subdomain servers may be physical servers that generally provide higher performance and stability, particularly suited for handling large-scale and high-performance tasks; the subdomain server can also be a virtual server, and the virtual server can be rapidly expanded or reduced according to the requirement, so that the subdomain server is suitable for a workload which needs to be rapidly adapted to change. It will be appreciated that the specific form of the subdomain server depends on the division basis of the internet financial service management area.
In one embodiment, the division basis of the internet financial service management area is geographic location, and physical servers meeting service requirements are set in different internet financial service management areas according to service volumes. For example, areas of high transaction volume or high customer demand may be configured with more physical servers to ensure processing power and performance.
In yet another embodiment, the division basis of the internet financial service management area is a service type, and virtual servers, such as cloud servers, are arranged in different internet financial service management areas; and dynamically adjusting the scale of the virtual server according to the service volume and the requirements so as to adapt to different types of internet financial services.
Further, in order to meet the data processing requirement in any certain internet financial service management area, one or more subdomain servers are arranged in any internet financial service management area. In an alternative embodiment, please refer to fig. 2, fig. 2 is a schematic diagram of a sub-domain server deployment according to an embodiment of the present invention. As shown in fig. 2, the entire area related to the internet financial service is divided into a plurality of internet financial service management areas according to geographical locations, in particularComprising the following steps:，/>，/>，，/>and +.>。
In one or more other embodiments, the entire area related to the internet financial service is divided into a plurality of internet financial service management areas according to the set characteristics, the firstThe individual internet financial service management area may be characterized as +.>Wherein, the method comprises the steps of, wherein,,/>number representing internet financial service management area, +.>Representing the total number of internet financial transaction management areas. Further, any one of the internet financial service management areas +.>One or more sub-domain servers are provided therein, and any one of the Internet financial service management areas +.>Is a physical server or a virtual server.
S02, setting a block main chain in the internet financial service management platform, wherein the block main chain comprises intelligent contracts applicable to all internet financial service types.
In order to better utilize the internet financial service management platform to implement management and monitoring on various aspects of the internet financial service, in an optional embodiment, the block main chain is set in the internet financial service management platform in step S02, where the block main chain includes intelligent contracts applicable to all internet financial service types, and the method includes the following steps:
s021, selecting a blockchain platform based on the internet financial service management platform, wherein the blockchain platform comprises an Ethernet, hyperledger Fabric or Polkadat.
Different blockchain platforms have different characteristics and advantages, and the internet financial business management platform can be selected according to specific requirements. Specifically, the ethernet supports the development of smart contracts and decentralized applications (DApps), which are applicable to a variety of applications, including decentralized finance, supply chain management, identity verification, etc.; hyperledger Fabric supports modular smart contract development and flexible consensus mechanisms; the Polkalot adopts parallel blockchains, provides an infrastructure for communication between different blockchains, and has strong interoperability between different blockchains.
In one embodiment, the internet financial business management platform requires high customizable and intelligent contract functionality, with ethernet selected as the blockchain platform to support the writing of multiple intelligent contracts; in yet another embodiment, the internet financial transaction management platform uses security and entitlement control as primary factors, and Hyperledger Fabric is selected as a blockchain platform to provide powerful authentication and access control functions; in yet another embodiment, to meet the cross-chain communication requirements between multiple blockchains, polkalot is selected as a blockchain platform to provide cross-chain communication and the ability to connect different blockchains.
S022, setting a block main chain structure on the block chain platform, wherein the structure comprises a block size, a block interval, a consensus algorithm and a data storage mechanism.
Step S022 meets the requirements of internet financial services by reasonably setting the block size, block interval, consensus algorithm and data storage mechanism, while maintaining the performance, security and availability of the network. Different internet financial applications may require different parameter settings and therefore need to be configured on a case-by-case basis.
Wherein the block size is a data capacity limit on each blockchain. In the internet financial business, the block size determines the number of transactions that each block can accommodate. If the block size is small, it may result in slower transaction processing speed. The block interval is the time interval at which a new block is generated. In internet financial transactions, block spacing affects the speed of transaction validation. Shorter block intervals may increase transaction speed, but may increase the risk of network congestion. The consensus algorithm is a rule and mechanism in a blockchain network for verifying and validating transactions. In internet financial transactions, consensus algorithms ensure consistency and security of transactions. The data storage mechanism defines how data on the blockchain is stored and managed. In internet financial transactions, data storage mechanisms are required to ensure the persistence and availability of data.
S023, setting corresponding intelligent contracts based on different types of internet financial services, and deploying all intelligent contracts of the internet financial service types to the block main chain.
In an alternative embodiment, the setting of the corresponding smart contract based on different types of internet financial services described in step S023 includes the following steps: identifying and defining different types of internet financial transactions, including payment transactions, loan transactions, investment transactions, and insurance transactions; corresponding smart contracts are set based on any type of internet financial service, including service logic, operational rules, data storage, and interaction rules. It will be appreciated that the smart contracts are programmed according to business requirements, ensuring that related operations can be managed and verified automatically when executed on the blockchain.
In this embodiment, the business logic defines specific operation and interaction rules for each business type, e.g., for a payment business, the business logic may include rules for transferring funds from one account to another; the operation rule defines the execution authority and the execution condition of each operation; the data store defines data that the smart contract needs to store, such as account balances, transaction histories, etc.; the interaction rules define interaction rules between one smart contract and other smart contracts or data on a blockchain.
Further, once the intelligent contracts for all internet financial services types are written, they are correspondingly deployed on the block backbone. This makes these smart contracts available on the internet financial services management platform, which in turn can be accessed and executed by different users and terminal devices.
S03, according to the internet financial service type in any internet financial service management area, setting a block sub-chain in a corresponding sub-domain server based on the block main chain, wherein the block sub-chain comprises one or more intelligent contracts applicable to the internet financial service type in the corresponding internet financial service management area.
Step S03 is to set a special block chain sub-chain for each Internet financial service management area so as to meet the requirement of parallel recording of different types of Internet service data. Further, in an alternative embodiment, the setting of the blockchain in the corresponding sub-domain server according to the internet financial service type in any internet financial service management area in step S03 based on the blockmain chain includes the following steps:
s031, according to the internet financial business type in the internet financial business management area, the intelligent contracts suitable for the internet financial business type in the corresponding internet financial business management area are screened out from all intelligent contracts.
It will be readily appreciated that existing smart contracts include a variety of different types of financial services, such as payments, loans, investments, etc., and that by screening only smart contracts that are relevant to the type of business in a particular area will be selected. This may increase the efficiency of the system because there is no need to load or run irrelevant smart contracts.
Further, in implementations, applicable smart contracts may be automatically screened using contract management tools that may categorize smart contracts according to transaction type or tag.
S032, setting a block secondary chain with the same structure as the block main chain in the corresponding sub-domain server.
In this embodiment, the set blocky side chain will use the same parameter settings as the main chain, such as blocky size, blocky interval, consensus algorithm, etc., to help ensure that the blocky side chain is compatible with the main chain and works in cooperation with the whole system. In particular, blockchain development frameworks and tools can be used to set up new blockchain sub-chains while maintaining consistency with the backbone.
S033, deploying intelligent contracts suitable for the Internet financial business types in the corresponding Internet financial business management areas onto the corresponding block sub-chains.
Step S033 deploys an intelligent contract applicable to the internet financial transaction type within the corresponding internet financial transaction management area to the corresponding blockchain for execution on the blockchain of that particular transaction type. This ensures that each blockchain contains the required intelligence contracts to manage and verify the operation of the relevant business.
Through steps S031 through S033, the blockchain sub-links in each internet financial service management area can be effectively customized to include intelligent contracts of specific service types and work in cooperation with the main chain and other sub-domain servers. This provides greater flexibility and accuracy to meet the needs of different regions and service types.
In a hybrid blockchain parallel structure, there may be inconsistencies in data between different blockchains, particularly between the blockmain chain and the blockside chain. In another optional embodiment, the system data inconsistency may be caused by factors such as transaction confirmation time, number of task execution nodes, etc., and in step S03, according to the internet financial service type in any internet financial service management area, a block sub-chain is set in a corresponding sub-domain server based on the block main chain, and further includes the following steps:
s034, setting a data synchronization mechanism, wherein the data synchronization mechanism is used for ensuring the consistency of data storage between any block auxiliary chain and the block main chain.
In this embodiment, the setting data synchronization mechanism described in step S034 includes the following steps:
s0341, setting a data synchronization request time sequence of a block sub-chain in any sub-domain server in a time sequence synchronization period based on a plurality of sub-domain servers in the Internet financial service management platform.
The time sequence synchronization period refers to a time sequence period of data synchronization uploading, and specifically is a time period, and any one of the sub-domain servers can send a data uplink request corresponding to a block auxiliary chain to a block main chain in the time sequence synchronization period.
For example, in an internet financial platform that includes a plurality of subdomain servers, each subdomain server contains a blockchain. During the time-sequential synchronization period of one day (24 h), each sub-domain server may periodically send data synchronization requests to ensure that the data in its blocky side-chain remains consistent with the blocky backbone.
Further, in the present embodiment, the data synchronization request timing within one timing synchronization period satisfies the following characterization pattern:wherein->Representing the length of time of one timing synchronization period,representing different regions respectivelyTime sequence weight coefficient of block sub-chain, +.>Respectively represent 1 st to 1 st->Personal internet financial business management area->Respectively representing the data synchronization time sequence length of different block sub-chains.
Further, the method comprises the steps of,wherein->Indicate->Time sequence weight coefficient of block sub-chain corresponding to individual internet financial business management area,/for>Represents the time length of one timing synchronization period, < +.>Indicate->Personal internet financial business management area->Indicate->Data synchronization time sequence length of block sub-chain corresponding to each Internet financial business management area>Indicate->Data synchronization starting time of block sub-chain in block internet financial service management area>Indicate->And the data synchronization end time of the block sub-chain in the block internet financial service management area. Still further, the data synchronization request timing may be characterized as a model as follows: />。
S0342, dynamically adjusting the data synchronization request time sequence of the block sub-chain based on the service volume of each Internet financial service management area in the last time sequence synchronization period.
In the internet financial service management area, the volume of service may change with time, and service peaks and valleys may occur. Therefore, step S0342 dynamically adjusts the timing of the data synchronization request to accommodate these changes in order to effectively manage the data synchronization request.
In this embodiment, a time sequence weight coefficient adjustment model is provided, where the time sequence weight coefficient adjustment model is used to obtain the data synchronization time sequence length of the block sub-chain in any internet financial service management area in the next time sequence synchronization period according to the service volume of each internet financial service management area in the previous time sequence synchronization period.
Specifically, the time sequence weight coefficient adjustment model satisfies the following formula:wherein->Representing the total number of internet financial service management areas, +.>Indicate->Time sequence weight coefficient of block sub-chain in block internet financial business management area>Indicate->The block internet financial service management area manages the volume of service in the last time sequence synchronization period.
S0343, linking the sub-chain and the main chain of the block by using the sub-domain server according to the adjusted data synchronization request time sequence, so that any sub-chain of the block is synchronously uplink to the main chain of the block in the corresponding data synchronization request time sequence.
And according to the adjusted data synchronization request time sequence, each sub-domain server executes the data synchronization request. This step includes connecting the subdomain server to the blockchain and blockchain to ensure that data in the blockchain is synchronously uploaded to the blockchain within the corresponding data synchronization request timing.
And S04, verifying the identity of the edge terminal by using the subdomain server, and uploading the data to the corresponding block sub-chain by matching the corresponding intelligent contract according to the internet financial service type selected by the edge terminal.
The edge terminal is a terminal device for initiating and executing various internet financial services, such as a smart phone, a tablet computer, a personal computer or other internet of things devices. These edge terminal devices act as interfaces between the user and the internet financial transaction management platform that the user can use to select and perform a particular internet financial transaction, as well as the internet financial institution can use to initiate and perform a particular internet financial transaction.
Further, the edge terminal needs to establish a connection and communicate with the sub-domain server. This connection may be established through the internet or other communication network. After the connection is established, the subdomain server verifies the identity of the edge terminal to ensure that only legitimate users or financial institutions can access the internet financial services management platform. Authentication may include methods of user name and password, digital certificates, two-factor authentication, and the like.
Once the identity of the edge terminal is verified, the user or financial institution will be required to select the desired internet financial transaction type. This may include various financial services such as transfers, loans, investments or insurance, etc. The choice of user or financial institution will determine the nature of the subsequent operation.
According to the internet financial service type selected by the edge terminal, the system matches the corresponding intelligent contract. Each business type has its own intelligent contracts that contain business logic, operational rules, data storage and interaction rules, etc. After matching the correct smart contracts, the internet financial transaction management platform will know how to handle subsequent data uploads.
Once the correct smart contract is matched, the user or financial institution may begin uploading the relevant data to the corresponding blockchain sub-chain and then synchronize the data to the blockchain backbone for storage in the corresponding data synchronization timing. Such data may include transaction details, user information, funds flow or policy information, and the like. The uploaded data will follow the interaction rules and data formats specified by the smart contract to ensure consistency and trustworthiness of the data.
In an alternative embodiment, please refer to fig. 3, fig. 3 is a schematic diagram of a networked financial business process management system according to an embodiment of the present invention. As shown in fig. 3, the internet financial business process management system includes an input device, a processor, a memory, and an output device, where the input device, the processor, the memory, and the output device are connected to each other, and the memory is used to store a computer program, where the computer program includes program instructions, and the processor is configured to call the program instructions and execute the internet financial business process management method described above. The internet financial business process management system provided by the invention provides a complete solution for internet financial business data management, can be used for data whole process monitoring of various financial business activities such as payment, loan, investment, insurance and the like, and is more efficient, customizable and user-friendly.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the invention, and are intended to be included within the scope of the appended claims and description.

Claims (6)

1. The internet financial business process management method is characterized by comprising the following steps:
setting subdomain servers in any internet financial service management area, and linking all subdomain servers in the internet financial service management area to form an internet financial service management platform;
setting a block main chain in the internet financial service management platform, wherein the block main chain comprises intelligent contracts applicable to all internet financial service types;
according to the internet financial service type in any internet financial service management area, a block sub-chain is arranged in a corresponding sub-domain server based on the block main chain, and one or more intelligent contracts suitable for the internet financial service type in the corresponding internet financial service management area are included in the block sub-chain;
verifying the identity of the edge terminal by using the subdomain server, and matching corresponding intelligent contracts to upload data to corresponding block sub-chains according to the internet financial service type selected by the edge terminal;
the block main chain is arranged in the internet financial service management platform, and comprises intelligent contracts applicable to all internet financial service types, and the method comprises the following steps:
selecting a blockchain platform based on the internet financial service management platform, wherein the blockchain platform comprises an ethernet workshop, hyperledger Fabric or polkalot;
setting a block main chain structure on the block chain platform, wherein the structure comprises a block size, a block interval, a consensus algorithm and a data storage mechanism;
setting corresponding intelligent contracts based on different types of internet financial services, and deploying the intelligent contracts of all internet financial service types to the block main chain;
the block sub-chain is set in the corresponding sub-domain server based on the block main chain according to the internet financial service type in any internet financial service management area, and the method comprises the following steps:
according to the internet financial business type in the internet financial business management area, intelligent contracts suitable for the internet financial business type in the corresponding internet financial business management area are screened out from all intelligent contracts;
setting block secondary chains with the same structure as the block main chain in the corresponding sub-domain servers;
deploying intelligent contracts applicable to the Internet financial business types in the corresponding Internet financial business management areas to the corresponding block sub-chains;
the block sub-chain is set in the corresponding sub-domain server based on the block main chain according to the internet financial service type in any internet financial service management area, and the method further comprises the following steps:
setting a data synchronization mechanism, wherein the data synchronization mechanism is used for ensuring the consistency of data storage between any block secondary chain and a block main chain;
the setting of the data synchronization mechanism comprises the following steps:
setting a data synchronization request time sequence of a block sub-chain in any sub-domain server in a time sequence synchronization period based on a plurality of sub-domain servers in the Internet financial service management platform;
dynamically adjusting the data synchronization request time sequence of the block sub-chain based on the service volume of each Internet financial service management area in the last time sequence synchronization period;
and linking the block sub-chain and the block main chain by using the sub-domain server according to the adjusted data synchronization request time sequence, so that any block sub-chain is synchronously uplink to the block main chain in the corresponding data synchronization request time sequence.
2. The method of claim 1, wherein the division of the internet financial transaction management area is based on one or more characteristics including, but not limited to, geographic location, type of transaction, customer base, and regulatory requirements.
3. The internet financial transaction process management method according to claim 1, wherein any one of the internet financial transaction management areas includes one or more sub-domain servers.
4. The internet financial transaction process management method according to claim 1, wherein the setting of the corresponding smart contracts based on different types of internet financial transactions comprises the steps of:
identifying and defining different types of internet financial transactions, including payment transactions, loan transactions, investment transactions, and insurance transactions;
corresponding smart contracts are set based on any type of internet financial service, including service logic, operational rules, data storage, and interaction rules.
5. The internet financial transaction process management method according to claim 1, wherein the setting of the data synchronization mechanism further comprises the steps of: setting a time sequence weight coefficient adjustment model, wherein the time sequence weight coefficient adjustment model is used for obtaining the data synchronization time sequence length of the block auxiliary chain in any one internet financial service management area in the next time sequence synchronization period according to the service volume of each internet financial service management area in the last time sequence synchronization period.
6. An internet financial transaction process management system comprising an input device, a processor, a memory and an output device, the input device, the processor, the memory and the output device being interconnected, wherein the memory is configured to store a computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the internet financial transaction process management method of any of claims 1 to 5.
CN202311611945.2A 2023-11-29 2023-11-29 Internet financial business process management method and system Active CN117314605B (en)

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