CN117437057A

CN117437057A - Service data processing method, device and server

Info

Publication number: CN117437057A
Application number: CN202311610162.2A
Authority: CN
Inventors: 钟玉兴; 叶瑛锋; 文会娴; 吴春彪
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-11-29
Filing date: 2023-11-29
Publication date: 2024-01-23

Abstract

The specification provides a service data processing method, a device and a server, which are applied to the technical field of block chains. Based on the method, before implementation, a node server connected with a plurality of service parties can be constructed, and the node server at least comprises a block chain-based service data processing system which shares service nodes and is matched with a service invitation participation scene; the sharing service node can be at least provided with a matched intelligent contract and a credit limit management intelligent contract. In the implementation, the first node server deployed on the side of the inviter of the target service can efficiently and accurately find and invite the participants meeting the preset conditions to participate in the specific processing of the target service together by using the service data processing system. Therefore, the data processing flow related to the target service can be effectively simplified, the data processing cost is reduced, and the reliability of data processing is improved; meanwhile, the related service state information of the target service can be timely shared with the participants synchronously.

Description

Service data processing method, device and server

Technical Field

The present disclosure belongs to the technical field of blockchain, and in particular, relates to a method, an apparatus, and a server for processing service data.

Background

In a financial transaction scenario, a financial transaction institution (e.g., a bank, etc.) often needs to invite other related institutions to cooperatively participate in completing a complex or risky transaction.

Based on the existing method, most financial transaction institutions need to carry out complex and complicated offline and online multi-round invitations and negotiations with a plurality of related institutions, and screening and determining participants meeting requirements; and correspondingly modifying and debugging interfaces of the data systems of the own party and the participator so as to connect servers of the own party and the participator together to finish the specific processing of the transaction service. Based on the method, the technical problems of complicated and complex data processing flow, higher data processing cost, lower processing efficiency and the like often exist in the concrete implementation.

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The specification provides a service data processing method, a device and a server, which can efficiently and accurately find and invite participants meeting preset conditions to participate in completing specific processing of a target service, so that related data processing flows can be effectively simplified, data processing cost is reduced, and data processing reliability is improved.

The present disclosure provides a service data processing method, applied to a first node server, where the first node server is disposed on an inviter side of a target service, and the method includes:

uploading service association information of the target service to a blockchain; and broadcasting a target service participation request for the target service in the service data processing system; wherein the business data processing system is a block chain based data processing system; the service data processing system is connected with a plurality of node servers; the service data processing system also comprises a shared service node; the sharing service node is at least provided with a matching intelligent contract and a credit line management intelligent contract;

receiving a target intention request which is initiated by a second node server and aims at the target business participation request; the second node server is deployed on the side of an intention party of the target service which is intentionally involved in the target service processing; the target intention request at least carries a node identifier of a second node server and a service participation rule related to a target service;

invoking a sharing service node to manage the intelligent contract based on the matched intelligent contract and the credit line, and processing the target intention request by inquiring a blockchain to obtain a first evaluation result about a second node server; the blockchain also stores and maintains a credit line management record table corresponding to the node identification of the second node server;

Determining participants of the target service meeting the preset conditions according to the first evaluation result; and transmitting participation confirmation information about the target service to a target node server of a participant of the target service;

according to a preset protocol rule, carrying out data processing of a target service; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; the shared service node is further configured to push service state information of a target service on the blockchain to a target node server of a participant of the target service.

In one embodiment, the target service participation request carries at least a service identifier of the target service;

accordingly, before receiving the target intention request for the target service participation request initiated by the second node server, the method further includes:

the second node server responds to the target service participation request, queries a blockchain according to the service identifier of the target service, and acquires service association information of the target service; performing risk assessment according to the service association information of the target service to obtain a second assessment result;

the second node server determines whether to intentionally participate in the target service according to a second evaluation result; and generating a business participation rule about the target business according to the second evaluation result under the condition that the target business is determined to be intentionally participated.

In one embodiment, the business participation rule includes at least one of: participation share with respect to the target service, participation manner with respect to the target service, participation amount of resource data with respect to the target service.

In one embodiment, the service association information of the target service includes ciphertext data obtained by encrypting the service association information of the target service based on the first private key; the first private key is a private key held by a first node server;

the second node server sends a query request of service association information about the target service to the shared service node; the query request at least carries an identity credential of the second node server; the shared service node responds to the query request to carry out authentication on the second node server, and forwards the query request to the first node server under the condition that the authentication of the second node server is confirmed to pass;

the first node server responds to the query request and sends a first public key matched with the first private key to the second node server;

And the second node server queries a blockchain according to the first public key and the service identifier of the target service to acquire service association information of the target service.

In one embodiment, the second node server comprises a plurality of second node servers; the target intent request includes a plurality of target intent requests from a plurality of second node servers;

correspondingly, calling the shared service node to match the intelligent contract with the credit line management intelligent contract based on the matching, and processing the target intention request by querying a blockchain to obtain a first evaluation result about the second node server, wherein the method comprises the following steps:

calling a sharing service node to respectively extract a plurality of corresponding business participation rules from the plurality of target intention requests;

invoking a sharing service node to determine priority parameters of the business participation rules by processing the business participation rules by utilizing a matching intelligent contract; according to the priority parameters of the business participation rules, arranging a plurality of business participation rules to obtain corresponding business participation rule sequences;

and calling the shared service node to manage the intelligent contract according to the credit line, and determining an evaluation result aiming at the business participation rule sequence in the business participation rule sequence by inquiring and utilizing the corresponding credit line management record table as a first evaluation result of the plurality of second node servers.

In one embodiment, invoking the shared service node to manage the intelligent contract according to the credit line, determining an evaluation result for the service participation rule sequence in the service participation rule sequence by querying and utilizing the corresponding credit line management record table, as a first evaluation result of the plurality of second node servers, including:

determining a first evaluation result regarding a current second node server of the plurality of second node servers in the following manner:

invoking a shared service node to query a blockchain according to the node identification of the current second node server, and acquiring a credit line management record table of the current second node server;

calculating the residual credit limit of the current second node server according to the credit limit management record table of the current second node server;

determining the credit matching degree of the current second node server according to the residual credit limit of the current second node server and the participation amount of the resource data in the business participation rule of the current second node server;

and determining an evaluation result of the current business participation rule in the business participation rule sequence according to the credit matching degree of the current second node server, the business association information of the target business and the business participation rule sequence, and taking the evaluation result as a first evaluation result of the current second node server.

In one embodiment, according to the first evaluation result, determining the participant of the target service meeting the preset condition includes:

according to the first evaluation result, sequentially screening a plurality of business participation rules meeting the requirements from the business participation rule sequence to serve as candidate business participation rules;

and determining the intention party of the target service to which the candidate service participation rule belongs as a party of the target service meeting the preset condition.

In one embodiment, after determining the target party of the target service to which the candidate service participation rule belongs as the party of the target service meeting the preset condition, the method further includes:

according to the candidate business participation rule, based on the ordering information of the business participation rule sequence and the business association information of the target business, the candidate business participation rule is adjusted to obtain a corresponding target business participation rule;

transmitting participation confirmation information about the target service to a target node server of a participant of the target service; the participation confirmation information carries corresponding target service participation rules and participation share certificates of the target service;

and uploading the target business participation rule to a blockchain.

In one embodiment, after sending the participation confirmation information about the target service to the target node server of the participant of the target service, the method further comprises:

receiving resource data provided by a target node server of a participant of a target service;

according to the corresponding target business participation rule, the resource data is stored to a block chain through a shared service node; and setting the resource data to a locked state;

and updating the corresponding credit limit management record table according to the resource data.

In one embodiment, the shared service node is further deployed with a business state information management smart contract;

correspondingly, the shared service node manages the intelligent contract according to the service state information, and when detecting that the service state information of the target service on the blockchain is updated, the shared service node pushes the service state update information of the target service to a target node server of a participant of the target service.

In one embodiment, the shared service node is further deployed with a resource allocation management smart contract;

correspondingly, according to a preset protocol rule, performing data processing of the target service, including:

detecting whether a resource allocation condition is satisfied;

Under the condition that the resource allocation condition is met, calling the shared service node to utilize the resource allocation management intelligent contract to calculate the allocation resource of the participant aiming at the target service based on the service state information of the target service;

and calling the shared service node to distribute the distributed resources to the target node servers of the participants of the corresponding target service by utilizing the resource distribution management intelligent contract.

In one embodiment, in the process of performing data processing of the target service according to a preset protocol rule, the method further includes:

receiving a target exit request about a target service initiated by a target node server; the target exit request at least carries a node identifier of a target node server and a participation share certificate of the target service;

invoking a sharing service node to carry out verification according to the target exit request;

under the condition that verification is confirmed to pass, calling the shared service node to unlock the locking state of the corresponding resource data on the blockchain; and sending the resource data to the target node server;

The present disclosure also provides a service data processing device, applied to a first node server, where the first node server is disposed on an inviter side of a target service, and includes:

The first processing module is used for uploading service related information of the target service to the block chain; and broadcasting a target service participation request for the target service in the service data processing system; wherein the business data processing system is a block chain based data processing system; the service data processing system is connected with a plurality of node servers; the service data processing system also comprises a shared service node; the sharing service node is at least provided with a matching intelligent contract and a credit line management intelligent contract;

the receiving module is used for receiving a target intention request aiming at the target business participation request initiated by the second node server; the second node server is deployed on the side of an intention party of the target service which is intentionally involved in the target service processing; the target intention request at least carries a node identifier of a second node server and a service participation rule related to a target service;

the second processing module is used for calling the sharing service node to match the intelligent contract with the credit line management intelligent contract based on the matching, and processing the target intention request by inquiring a blockchain to obtain a first evaluation result related to a second node server; the blockchain also stores and maintains a credit line management record table corresponding to the node identification of the second node server;

The third processing module is used for determining the participants of the target service meeting the preset conditions according to the first evaluation result; and transmitting participation confirmation information about the target service to a target node server of a participant of the target service;

the fourth processing module is used for processing the data of the target service according to a preset protocol rule; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; the shared service node is further configured to push service state information of a target service on the blockchain to a target node server of a participant of the target service.

The present specification also provides a server comprising a processor and a memory for storing processor executable instructions which when executed by the processor implement the relevant steps of the business data processing method.

The present specification also provides a computer readable storage medium having stored thereon computer instructions which when executed by a processor implement the relevant steps of the business data processing method.

Based on the service data processing method, device and server provided by the specification, before implementation, a node server connected with a plurality of service parties can be pre-constructed, and the service data processing system at least comprises a shared service node and a blockchain and is adaptive to a service invitation participation scene and based on the blockchain; the sharing service node is at least further provided with a matching intelligent contract and a credit line management intelligent contract.

In the implementation, a first node server deployed at one side of an inviting party of a target service can upload service association information of the target service to a blockchain; broadcasting a target service participation request in a service data processing system; the second node server deployed on the intended side of the target service may respond to the target service participation request, and feed back the target intent request carrying at least the node identifier of the second node server and the service participation rule of the target service. The first node server can call the shared service node to manage the intelligent contract based on matching the intelligent contract and the credit line, and process the target intention request through the query block chain to obtain a first evaluation result of the second node server; determining the participants of the target service meeting the preset conditions according to the first evaluation result; and transmitting participation confirmation information to a target node server of the participant of the target service. Then, the first node server can process the data of the target service based on the service data processing system according to a preset protocol rule; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; when the shared service node detects that the service state information of the target service on the blockchain is updated, the shared service node can timely push the service state information of the target service on the blockchain to a target node server of a participant of the target service, so that the synchronization of the state information is realized.

In this way, by constructing and applying the block chain-based service data processing system adapted to the service invitation participation scene, the inviter of the target service can efficiently and accurately find and invite the participants meeting the preset conditions to participate in completing the specific processing of the target service, thereby effectively simplifying the related data processing flow, reducing the related data processing cost and improving the reliability of the related data processing; meanwhile, the method and the system can timely share and synchronize the service state information related to the target service with the participants.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure, the drawings that are required for the embodiments will be briefly described below, and the drawings described below are only some embodiments described in the present disclosure, and other drawings may be obtained according to these drawings without inventive effort for a person of ordinary skill in the art.

FIG. 1 is a flow chart of a business data processing method according to an embodiment of the present disclosure;

FIG. 2 is a schematic diagram of an embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 3 is a schematic diagram of one embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 4 is a schematic diagram of an embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 5 is a schematic diagram of an embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 6 is a schematic diagram of one embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 7 is a schematic diagram of the structural composition of a server according to one embodiment of the present disclosure;

fig. 8 is a schematic structural diagram of a service data processing apparatus according to an embodiment of the present disclosure;

FIG. 9 is a schematic diagram of an embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 10 is a schematic diagram of an embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 11 is a schematic diagram of an embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 12 is a schematic diagram of one embodiment of a business data processing method provided by the embodiments of the present specification, in one example scenario;

FIG. 13 is a schematic diagram of an embodiment of a business data processing method provided by the embodiments of the present disclosure, in one example scenario;

fig. 14 is a schematic diagram of an embodiment of a service data processing method provided by the embodiment of the present disclosure, in one scenario example.

Detailed Description

In order to make the technical solutions in the present specification better understood by those skilled in the art, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.

Referring to fig. 1, an embodiment of the present disclosure provides a service data processing method. The method is particularly applied to the side of the first node server. In particular implementations, the method may include the following:

S101: uploading service association information of the target service to a blockchain; and broadcasting a target service participation request for the target service in the service data processing system; wherein the business data processing system is a block chain based data processing system; the service data processing system is connected with a plurality of node servers; the service data processing system also comprises a shared service node; the sharing service node is at least provided with a matching intelligent contract and a credit line management intelligent contract;

s102: receiving a target intention request which is initiated by a second node server and aims at the target business participation request; the second node server is deployed on the side of an intention party of the target service which is intentionally involved in the target service processing; the target intention request at least carries a node identifier of a second node server and a service participation rule related to a target service;

s103: invoking a sharing service node to manage the intelligent contract based on the matched intelligent contract and the credit line, and processing the target intention request by inquiring a blockchain to obtain a first evaluation result about a second node server; the blockchain also stores and maintains a credit line management record table corresponding to the node identification of the second node server;

S104: determining participants of the target service meeting the preset conditions according to the first evaluation result; and transmitting participation confirmation information about the target service to a target node server of a participant of the target service;

s105: according to a preset protocol rule, carrying out data processing of a target service; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; the shared service node is further configured to push service state information of a target service on the blockchain to a target node server of a participant of the target service.

Specifically, the shared service node can monitor the service state information of the target service on the blockchain in real time or at regular time; when the service state information of the target service is monitored to be updated, the latest service state information can be timely pushed to a target node server of a participant of the target service, so that the automatic synchronous sharing of the service state information of the target service is realized.

Based on the above embodiment, the first node server deployed on the inviting side of the target service can efficiently and accurately find and invite the participants meeting the preset conditions to participate in the specific processing of the target service by using the blockchain-based service data processing system, so that the related data processing flow can be effectively simplified, the related data processing cost can be reduced, and the reliability of the related data processing can be improved; meanwhile, the method and the system can timely share and synchronize the service state information related to the target service with the participants.

In some embodiments, the above-described target service may be specifically understood as a transaction service that requires inviting multiple participants to participate in a completed transaction. The participants need to jointly complete the target service by bearing corresponding shares of resource data and/or service risks according to corresponding protocol rules.

Specifically, for example, the target service may be a risk-participation service (Risk Participation). The risk participation business may specifically refer to a loan bank (inviting party) transferring a risk of a part of loan to a loan participant (participant) according to a corresponding protocol rule, and paying a certain fee; the lender may not provide the lender with the loan funds, but during the agreed risk period, if the borrower fails to pay back the loan bank in the agreed proportion of the risk-based lender contract, the lender pays the corresponding default to the lender bank. Of course, the risk loan business may also include risk loan business of different model types based on other different protocol rules for different business situations.

For another example, the target service may be a crowd funding service. The crowd funding service may specifically refer to that an initiating user (inviting party) raises resource data to crowd funding users (participants) according to corresponding protocol rules, and utilizes the raised resource data to produce or manufacture contracted products; and distributing the appointed product or the resource data obtained based on the appointed product to the participants.

Of course, it should be noted that the above-listed target service is only a schematic illustration. In the implementation, according to specific application scenes and processing requirements, the service data processing method provided by the specification can be popularized and used for processing other types of target services. The present specification is not limited to this.

In some embodiments, the business data processing system described above may include, in particular, a data processing system constructed based on a blockchain (or a coalition chain).

The blockchain may specifically refer to a distributed ledger that is formed by combining data blocks in a sequential manner according to a sequence such as a time sequence, and is guaranteed to be non-tamperable and non-counterfeitable in a cryptographic manner.

In particular, referring to fig. 2, the data processing system may be connected to a plurality of node servers. The plurality of node servers are respectively deployed on different service parties. For example, the node server 1 may be a node server disposed on the bank a side, the node server 2 may be a node server disposed on the bank B side, or the like. Further, a client application provided with a service data processing system can be installed on the node server; accordingly, the node server may utilize the client application to connect to the business data processing system.

The node server may specifically include a background server applied to a service data processing system and capable of implementing functions such as data transmission and data processing. Specifically, the node server may be, for example, an electronic device having a data operation function, a storage function, and a network interaction function. Alternatively, the node server may be a software program running in the electronic device that provides support for data processing, storage, and network interactions. In the present embodiment, the number of servers included in the node server is not particularly limited. The node server may be one server, several servers, or a server cluster formed by several servers.

Specifically, the data processing system is also connected with a blockchain. Accordingly, when data processing related to a service (including data processing of a service, data processing involving invitation of a service, etc.) is performed, related data information can be uploaded and stored in a blockchain.

Specifically, the data processing system further includes one or more shared service nodes (e.g., shared service node 1, shared service node 2, … …). Wherein a shared service node may be deployed with multiple intelligent contracts for different service functions. Specifically, the sharing service node is at least deployed with intelligent contracts such as matching intelligent contracts (e.g., bid matching intelligent contracts) and credit line management intelligent contracts (e.g., member institution credit line management intelligent contracts). In addition, the data processing system described above may also be coupled to a blockchain (or blockchain node). The node server deployed on the service side can perform corresponding data interaction with the shared service node and the blockchain through the service data processing system.

The intelligent contract may be a computer protocol written in code form and capable of being executed automatically on a blockchain to realize specific business functions.

The matching intelligent contract can be used for matching and determining the participants meeting the preset conditions from a plurality of intention parties. The credit line management intelligent contract can be used for inquiring and updating the credit line of the business party. Further, the shared service node may be deployed with other different types of smart contracts, such as business state information management smart contracts (e.g., credit business information management smart contracts), resource allocation management smart contracts (e.g., credit interest charge calculation smart contracts), and the like.

In specific implementation, the node server can complete data processing related to the service in the block chain-based service data processing system by using the corresponding intelligent contract through the shared service node.

The service association information of the target service may specifically be association information of the target service related to the target service, for example, a required amount of resource data required by the target service, an execution time of the target service, client information of an application client of the target service, a revenue distribution rule related to processing of the target service, and the like.

In some embodiments, prior to implementation, the method further comprises: the method comprises the steps that a first node server receives a target service application request initiated by a client terminal; wherein, the target service application request at least carries the service identifier of the target service and the service content; the first node server responds to the target service application request and determines service association information of the target service; judging whether the target service needs to be introduced into other participants to participate in completion or not according to the service association information of the target service and the current service information of the service side to which the first node server belongs; under the condition that the participation completion of other participants is required to be introduced, the business party to which the first node server belongs can be determined as the inviting party of the target business; according to the business data processing method provided by the specification, the business data processing system invites business parties meeting preset conditions to serve as the participators so as to raise resource data and/or common business risks and finish data processing of target businesses together.

In specific implementation, the first node server may directly broadcast a target service participation request in the service data processing system, so as to screen and invite a service party meeting a preset condition from a plurality of service parties connected to the service data processing system to serve as a participant; and the target service parameter request can be sent to the service party with the cooperative relationship or the node server of the designated service party through the service data processing system according to the corresponding cooperative protocol so as to screen and invite the service party meeting the preset condition from the service party with the cooperative relationship or the designated service party as a participant.

In some embodiments, the target service participation request may at least carry a service identifier of the target service;

correspondingly, before receiving the target intention request for the target service participation request initiated by the second node server, the method may further include the following steps:

Based on the above embodiment, the second node server may obtain, according to the service identifier of the target service, service association information of the target service by querying the blockchain; performing risk assessment on the participated target service according to the service association information of the target service; and accurately judging and determining whether to participate in the target service according to the evaluation result, and participating in the target service based on what service participation rule.

In specific implementation, the second node server can process the service association information of the target service by using a preset risk assessment model to obtain a corresponding risk assessment value; and detecting whether the risk evaluation value is larger than a preset risk threshold value or not to obtain a corresponding second evaluation result. According to the second evaluation result, under the condition that the risk evaluation value is larger than or equal to the preset risk threshold value, the situation that the target service is not participated can be determined. At this time, the second node server may not answer the target service participation request.

In contrast, according to the second evaluation result, in the case where it is determined that the risk evaluation value is smaller than the preset risk threshold value, participation in the target service may be determined. Further, according to the service association information of the target service, the current available resource data, credit limit and bearable risk of the service party to which the second node server belongs are combined to generate the matched service participation rule about the target service. Generating a target intention request carrying at least the node identifier of the second node server and the business participation rule based on the business participation rule; and sending the target intention request to the first node server to answer the target service participation request. At this time, the service party to which the second node server belongs may be denoted as the intention party of the target service.

The above-mentioned business participation rule may be specifically understood as a participation scheme provided by an intended party of the target business and related to participation in the target business. Specifically, the business participation rule includes rule parameters for describing specific contents of the participation scheme.

In some embodiments, the business participation rule may specifically include at least one of: the participation share of the target service, the participation mode of the target service, the participation amount of the resource data of the target service, the income distribution parameter based on the target service and other rule parameters.

Of course, it should be noted that the rule parameters listed above are only illustrative. In specific implementation, the business participation rule can also comprise other types of rule parameters according to specific situations and processing requirements. The present specification is not limited to this.

Based on the above embodiment, by introducing and using a plurality of different types of rule parameters in the business participation rule, the specific content of the participation scheme provided by the intention of the target business can be described more accurately, and the diversified participation demands can be satisfied.

In some embodiments, the service association information of the target service may specifically include ciphertext data obtained by encrypting the service association information of the target service based on the first private key; the first private key is a private key held by a first node server;

Accordingly, as shown in fig. 3, before receiving the target intent request for the target service participation request initiated by the second node server, the method may further include the following when implemented:

s1: the second node server sends a query request of service association information about the target service to the shared service node; the query request at least carries an identity credential of the second node server; the shared service node responds to the query request to carry out authentication on the second node server, and forwards the query request to the first node server under the condition that the authentication of the second node server is confirmed to pass;

s2: the first node server responds to the query request and sends a first public key matched with the first private key to the second node server;

s3: and the second node server queries a blockchain according to the first public key and the service identifier of the target service to acquire service association information of the target service.

Based on the embodiment, by introducing the identity verification of the shared service node, only the second node server passing the identity verification can be allowed to inquire and acquire the service association information of the target service, thereby effectively avoiding the leakage of the service association information of the target service to an untrusted service party and better protecting the security of related data.

In specific implementation, the sharing service node is further deployed with a preset risk blacklist. The preset risk blacklist records node identifiers of the node servers of a plurality of business parties with risks. After receiving the inquiry request, the sharing service node can verify the authenticity of the identity certificate; after the identity credential is determined to be true, extracting a node identifier of the second server node from the identity credential; and detecting whether the node identifier exists in a preset risk blacklist. And under the condition that the node identification is determined not to exist in a preset risk blacklist, determining that the identity verification of the second node server is passed.

In the implementation, the second node server can acquire ciphertext data of service association information of the target service by querying the blockchain by utilizing the service identifier of the target service; and then decrypting the ciphertext data by using the first public key to obtain plaintext data of the service association information of the target service.

In some embodiments, the second node server may specifically include a plurality of second node servers; the target intent request may specifically include a plurality of target intent requests from a plurality of second node servers;

Accordingly, referring to fig. 4, the foregoing call sharing service node may process the target intent request by querying a blockchain based on the matching intelligent contract and the credit line management intelligent contract to obtain a first evaluation result about the second node server, and may include the following when implemented:

s1: calling a sharing service node to respectively extract a plurality of corresponding business participation rules from the plurality of target intention requests;

s2: invoking a sharing service node to determine priority parameters of the business participation rules by processing the business participation rules by utilizing a matching intelligent contract; according to the priority parameters of the business participation rules, arranging a plurality of business participation rules to obtain corresponding business participation rule sequences;

s3: and calling the shared service node to manage the intelligent contract according to the credit line, and determining an evaluation result aiming at the business participation rule sequence in the business participation rule sequence by inquiring and utilizing the corresponding credit line management record table as a first evaluation result of the plurality of second node servers.

Based on the above embodiment, the first node server may efficiently and accurately perform finer evaluation and judgment on multiple intention parties by calling the shared service node to match the intelligent contract with the credit line management intelligent contract by using corresponding matching, so as to obtain a first evaluation result with higher reliability and better effect.

In the implementation, the first node server can call the shared service node to process a plurality of business participation rules by utilizing the matching intelligent contract and combining the customized evaluation rules of the first node server, and the priority parameters of the business participation rules are determined. The custom evaluation rule may specifically include threshold data set by the first node server in a custom manner, priority ordering rules of rule parameters of the business participation rule for different participation shares, participation modes, participation amounts of resource data, and the like, and weight values for different rule parameters.

For example, taking the target service as the risk participation service as an example, the participation method may include: the method comprises the following steps of participating in various participation modes such as participating in a risk, participating in a loan only, not participating in a loan (participating in a first repayment responsible person), participating in a loan only, not participating in a loan (participating in a non-first repayment responsible person), not participating in a loan only, and the like. Based on a priority ordering rule of participation modes of the custom evaluation rule of the first node server, the above participation modes are ordered from high priority to low priority in sequence: the method comprises the steps of participating in a loan risk, participating in a loan fund, participating in only a loan risk, not participating in a loan fund (participating in a first repayment liability person), only participating in a loan risk, not participating in a loan fund (participating in a non-first repayment liability person), not participating in a loan fund risk, only participating in a loan fund, and the like. And further, the priority parameters of the participation modes can be determined according to the priority ordering rule.

Correspondingly, the first node server invokes the shared service node to process a plurality of business participation rules by using the matching intelligent contract and combining the customized evaluation rules of the first node server, and when the specific implementation is performed, the method may include: the first node server invokes the shared service node to utilize the matching intelligent contract, combines the first node server to self-define the evaluation rule, and determines the priority parameter of the rule parameter of each business participation rule by processing the rule parameter contained in each business participation rule in the plurality of business participation rules; and weighting operation is carried out by utilizing the priority parameters of all rule parameters contained in the business participation rule, so as to obtain the priority parameters aiming at the whole business participation rule.

As another example, the revenue distribution parameters based on the targeted business may be a participation rate. The threshold data of the participation rate based on the custom evaluation rule of the first node server is: 5%, namely, the participant's participation rate is required to be less than or equal to 5%; if the credit rate in the intent party's business participation rules is 6% greater than the threshold data, the inviter does not consider the process of introducing the intent party to participate in the target business.

Accordingly, before determining the priority parameter of the participation rule, the party may further comprise: and calling the shared service node to use the matching intelligent contract, combining the customized evaluation rule of the first node server, and detecting whether rule parameters contained in each business participation rule belong to a threshold range defined by threshold data by processing a plurality of business participation rules. If it is detected that at least one rule parameter in a certain business participation rule does not belong to a threshold range defined by corresponding threshold data, the business participation rule is directly filtered, and subsequent priority parameter calculation is not performed.

In some embodiments, the invoking the sharing service node determines, according to the credit line management intelligent contract, an evaluation result of the service participation rule sequence in the service participation rule sequence by querying and using a corresponding credit line management record table, as a first evaluation result of the plurality of second node servers, as shown in fig. 5, and may specifically include: determining a first evaluation result regarding a current second node server of the plurality of second node servers in the following manner:

S1: invoking a shared service node to query a blockchain according to the node identification of the current second node server, and acquiring a credit line management record table of the current second node server;

s2: calculating the residual credit limit of the current second node server according to the credit limit management record table of the current second node server;

s3: determining the credit matching degree of the current second node server according to the residual credit limit of the current second node server and the participation amount of the resource data in the business participation rule of the current second node server;

s4: and determining an evaluation result of the current business participation rule in the business participation rule sequence according to the credit matching degree of the current second node server, the business association information of the target business and the business participation rule sequence, and taking the evaluation result as a first evaluation result of the current second node server.

Based on the above embodiment, the first node server may manage the intelligent contract according to the authorization credit by using the shared node server, and effectively use the credit management record table on the blockchain, and accurately determine and obtain the first evaluation result of the intended party (or the second node server of the intended party) in combination with the remaining credit of the intended party.

In the implementation, based on the service data processing system, a credit line management record table corresponding to each second node server of the service party newly registered and connected to the system can be respectively created; and uploading the credit limit management record table to the blockchain. Wherein the credit limit management record table is set as follows: prohibiting the modification of the service party corresponding to the credit line management record table; other service parties than the service party corresponding to the credit management record table are allowed to modify, and the other service parties are limited to only newly add credit data processing records related to the own party in the credit management record table, but cannot modify the credit data processing records written in the credit management record table by the other service parties.

When detecting that a new node server of a new business party is registered and connected to a business data processing system, a sharing service node can initiate a resource data and risk data collection request of the business party to the new node server; meanwhile, the shared node servers also randomly determine a designated number of node servers from the node servers of a plurality of service parties currently connected into the service data processing system according to preset protocol rules to serve as consensus node servers. After receiving the resource data and the content data of the risk data of the new service party returned by the newly added node server, the shared node server can verify the authenticity of the content data through a shared database in the service data processing system; after the content data is determined to be true, distributing the content data to a consensus node server; the consensus node server can evaluate the initial value of the credit limit of the new service party according to the content data and feed back the evaluation result. The shared service node can synthesize evaluation results fed back by different consensus node servers by utilizing a corresponding consensus algorithm according to a preset protocol rule, and determine a consensus result of an initial value of credit limit of a new service party; broadcasting the consensus result in a consensus node server; after the consensus result is passed by the consensus node server, the sharing node server can determine the initial value of the credit limit for the new service party according to the consensus result, and create a credit management record table corresponding to the new service party; and uploading the trust management record table to the blockchain.

When the method is implemented, when the node server of the inviting party A and the node server of the service party B determine to cooperate to perform certain service processing, and after resource data provided by the service party B based on a service participation rule is obtained, the node server of the inviting party A manages an intelligent contract through a sharing service node according to the credit limit, and determines a corresponding credit limit according to the resource data; and adding record data of the service condition of the credit line related to the current service processing into a credit line management record table of the service party B to be used as a credit line data processing record. The credit line data processing record is used for characterizing the credit line required to be used by the service, and the credit line is in a use state before the service is finished and cannot be reused before being released. When the service is finished, the node server of the inviting party A and the service party B finish the cooperation about the service, and the node server of the inviting party A can also add record data of the release condition of the credit line related to the service end into the credit line management record list of the service party B as another credit line data processing record according to the credit line management intelligent contract. The credit line data processing record is used for characterizing that the credit line used in the service is released and can be normally used without being in a use state.

At this time, if the node server of another inviting party C wants to determine whether to perform another service processing by the cooperation of the service party B, the node server of the inviting party a may query the credit line management record table of the service party B according to the credit line management intelligent contract through the shared service node, and determine an initial value of the credit line of the service party according to the credit line management record table; meanwhile, calculating the credit line in the current use state according to the credit line data processing record in the credit line management record table; and then calculating the difference between the initial value of the credit limit of the service party and the credit limit currently in a use state to obtain the residual credit limit of the service party.

Then, the node server of the inviting party A can also manage intelligent contracts according to the credit line through the sharing service node, and detect whether the remaining line of the credit line is matched with rule parameters such as participation modes, participation amount of resource data and the like in the business participation rules provided by the business party B; and/or detecting whether the residual credit limit of the credit limit is matched with the user-defined evaluation rule or not by the inviting party A to obtain the corresponding credit matching degree.

In specific implementation, the first node server can remove the service participation rule with the credit matching degree not meeting the requirement from the service participation rule sequence to obtain a removed service participation rule sequence; sequentially accumulating the participation accumulated values of the resource data of the business participation rules in the removed business participation rule sequence from front to back in sequence, and detecting whether the accumulated values are more than or equal to the required quantity of the resource data in the business association information of the target business; and when detecting that the accumulated value of the participation amount of the resource data of the current business participation rule is greater than or equal to the required amount of the resource data, determining the business participation rule (including the current business participation rule) before the current business participation rule in the business participation rule sequence as a business participation rule meeting the requirements, determining the node server (or business party) to which the business participation rule meeting the requirements belongs as a node server (or business party) meeting the preset conditions, and generating a first evaluation result passing the evaluation. And on the contrary, determining the node servers (or business parties) to which the rest of the other business participation rules in the business participation rule sequence belong as the node servers (or business parties) which do not meet the preset conditions, and generating a first evaluation result of which the evaluation fails.

In some embodiments, the determining, according to the first evaluation result, the participant of the target service that meets the preset condition may include the following when the implementation is performed:

s1: according to the first evaluation result, sequentially screening a plurality of business participation rules meeting the requirements from the business participation rule sequence to serve as candidate business participation rules;

s2: and determining the intention party of the target service to which the candidate service participation rule belongs as a party of the target service meeting the preset condition.

Based on the above embodiment, the first node server may accurately and reliably determine the participants of the target service meeting the preset condition by using the shared service node, so as to reduce errors.

In some embodiments, after determining the target party of the target service to which the candidate service participation rule belongs as the party of the target service meeting the preset condition, the method may further include the following when implemented in particular:

s1: according to the candidate business participation rule, based on the ordering information of the business participation rule sequence and the business association information of the target business, the candidate business participation rule is adjusted to obtain a corresponding target business participation rule;

S2: transmitting participation confirmation information about the target service to a target node server of a participant of the target service; the participation confirmation information carries corresponding target service participation rules and participation share certificates of the target service;

s3: and uploading the target business participation rule to a blockchain.

Based on the above embodiment, the first node server may further coordinate and adjust the candidate business participation rule to obtain a target business participation rule that relatively more accords with the actual situation; and sending participation confirmation information carrying the participation rule of the target service and the participation share certificate of the target service to the target node server of the participant of the target service, so that the confirmation processing of the invitation participation of the target service is completed by using the service data processing system efficiently and conveniently.

The participation share certificate can be specifically a ciphertext certificate generated by utilizing an identity key of the first node server and combining with a service identifier of the target service and rule parameters such as participation share, participation mode, participation amount of resource data and the like of a preset participant in a target service participation rule.

The above-mentioned adjusting candidate business participation rule based on the ordering information of the business participation rule sequence and the business association information of the target business according to the candidate business participation rule, to obtain the corresponding target business participation rule, may include: the first node server may determine, according to the ranking information of the ranking rule sequence, a plurality of candidate service participation rules (for example, a last one of the ranking) to be ranked, and determine a service participation rule to be adjusted; and directly determining other candidate business participation rules as target business participation rules without modification and adjustment. For the business participation rule to be adjusted, calculating the residual demand of the resource data according to the determined target business participation rule and the business association information of the target business; and then, correspondingly adjusting the business participation rule to be adjusted so as to ensure that the sum of the participation amounts of the resource data of the business participation rule after adjustment is equal to the residual demand amount of the resource data. For example, the participation amount of the resource data of the last candidate business participation rule can be directly modified into the residual requirement amount of the resource data; and then confirms with the party to which the business participation rule belongs.

In some embodiments, after sending the participation confirmation information about the target service to the target node server of the participant of the target service, the method may further include, when embodied, the following:

s1: receiving resource data provided by a target node server of a participant of a target service;

s2: according to the corresponding target business participation rule, the resource data is stored to a block chain through a shared service node; and setting the resource data to a locked state;

s3: and updating the corresponding credit limit management record table according to the resource data.

Based on the above embodiment, the first node server may efficiently acquire the resource data provided by the participant of the target service, and safely store the resource data on the blockchain; meanwhile, the credit limit management record list of the participant can be synchronously updated in time according to the resource data.

In some embodiments, the shared service node may be specifically configured with a service status information management intelligent contract;

Based on the above embodiment, the shared service node of the service data processing system may manage the intelligent contract according to the service status information, monitor the service status information of the target service in real time, and timely touch the service status update information to the participant of the target service when it is monitored that the service status information is updated, so that the participant of the target service may conveniently and efficiently obtain the latest service status information about the target service.

In some embodiments, the shared service node may be specifically further deployed with a resource allocation management smart contract;

correspondingly, the data processing of the target service according to the preset protocol rule may include:

s1: detecting whether a resource allocation condition is satisfied;

s2: under the condition that the resource allocation condition is met, calling the shared service node to utilize the resource allocation management intelligent contract to calculate the allocation resource of the participant aiming at the target service based on the service state information of the target service;

s3: and calling the shared service node to distribute the distributed resources to the target node servers of the participants of the corresponding target service by utilizing the resource distribution management intelligent contract.

Based on the above embodiment, the first node server can manage the intelligent contract according to the resource allocation by using the shared service node, so that the automatic allocation of the related allocated resources is efficiently and conveniently automatically completed, the processing flow is further simplified, and the overall processing efficiency is improved.

The allocated resources may specifically be revenue resource data based on the target service. For example, the inviter promises interest to the participants, reddening, etc.

In the implementation, the sharing service node can automatically judge whether the current resource allocation condition is met according to the resource allocation management intelligent contract by combining the service state information of the target service, the service association information of the target service and the specific target service participation rule. When the resource allocation condition is determined to be met, further according to the resource allocation management intelligent contract, combining the service state information of the target service, the service association information of the target service and the specific target service participation rule, automatically calculating the allocation resources of the participants aiming at each target service; and automatically distributes the corresponding allocated resources to the corresponding participants.

In some embodiments, referring to fig. 6, in the process of performing data processing of a target service according to a preset protocol rule, when the method is implemented, the method may further include the following:

S1: receiving a target exit request about a target service initiated by a target node server; the target exit request at least carries a node identifier of a target node server and a participation share certificate of the target service;

s2: invoking a sharing service node to carry out verification according to the target exit request;

s3: under the condition that verification is confirmed to pass, calling the shared service node to unlock the locking state of the corresponding resource data on the blockchain; and sending the resource data to the target node server;

s4: and updating the corresponding credit limit management record table according to the resource data.

Based on the above embodiment, the first node server may use the service data processing system to assist the participant of the target service to efficiently and conveniently complete the service exit processing related to the target service.

In the implementation, the shared service node can verify the authenticity of the node identifier of the target node server in the target exit request and the participation share certificate of the target service, so as to verify the target exit request. When the verification fails, the shared service node may not forward the target exit request to the first node server, but send an error report indicating that the verification fails to exit to the target node server. Upon determining that the verification passes, the shared service node may forward the target exit request to the first node server for further processing by the first node server.

When the first node server determines to agree to exit, the first node server can use the held identity key to call the shared service node to release the locking state of the resource data provided by the target node server on the blockchain, so that the target node server can recover the resource data; meanwhile, the first node server eliminates the participation share certificate, and adds a credit limit data processing record released by the related resource data in a credit limit management record table of the target node server, so that the corresponding credit limit management record table is updated.

Further, the node server may also broadcast a target service replenishment participation request in the service processing system regarding the portion of the target service that the participant exits, so as to invite other qualified service parties to continue processing of the target service in place of the exiting participant.

In some embodiments, in the process of performing data processing of the target service according to the preset protocol rule, the method may further include the following when implemented:

s1: receiving a target transfer request about a target service initiated by a target node server; the target transfer request at least carries the node identification of the target node server, the node identification of the node server of the transfer party, the participation share certificate of the target service and the resource data provided by the transfer party; the target transfer request is generated by a target node server in advance through a shared service node under the condition that the transfer party meets the preset condition;

S2: invoking a shared service node to unlock the corresponding resource data on the blockchain; and sending the resource data to the target node server;

s3: saving the resource data provided by the transferor to the blockchain; and setting the resource data to a locked state;

s4: updating a credit limit management record table corresponding to the target node server and a credit limit management record table corresponding to the node server of the transferor;

s5: transmitting participation confirmation information about a target service to a node server of the transferor; wherein the participation confirmation information at least carries a participation share certificate of the target service.

Based on the above embodiment, the first node server may use the service data processing system to assist the participants of the target service to efficiently and conveniently complete the service transfer process about the target service.

s1: receiving a target redemption request initiated by a client terminal regarding a target service; wherein, the target redemption request of the target service at least carries the service identifier of the target service and the identity certificate of the client terminal;

S2: invoking a shared service node to verify the target redemption request;

s3: broadcasting a target redemption tip for the target service to a target node server of a participant of the target service in the event that verification is determined to pass; invoking a shared service node to unlock the corresponding resource data on the blockchain;

s4: calling a shared service node to calculate compensation resources aiming at each target node server according to protocol rules; respectively distributing the compensation resources and the resource data to corresponding target node servers;

s5: updating the credit limit management record table of the corresponding target node server.

Based on the above embodiment, the first node server can efficiently and conveniently complete the service redemption process for the target service using the service data processing system.

From the above, before implementation, the service data processing method provided by the embodiments of the present disclosure may first construct a blockchain-based service data processing system that is connected to a plurality of node servers and at least includes a shared service node, and is adapted to a service invitation participation scenario; the sharing service node is at least provided with a matched intelligent contract and a credit limit management intelligent contract. In the implementation, a first node server deployed at one side of an inviting party of a target service can upload service association information of the target service to a blockchain; broadcasting a target service participation request in a service data processing system; a second node server deployed on one side of the intention side of the target service can initiate a target intention request carrying at least a node identifier of the second node server and a service participation rule of the target service; the first node server calls a shared service node to manage intelligent contracts based on matching the intelligent contracts and the credit line, and processes target intention requests through a query block chain to obtain a first evaluation result of the second node server; determining the participants of the target service meeting the preset conditions according to the first evaluation result; and transmitting participation confirmation information to a target node server of a participant of the target service; furthermore, the first node server can perform data processing of the target service according to a preset protocol rule based on the service data processing system; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; the sharing service node pushes the service state information of the target service on the blockchain to the target node server of the participant of the target service in time. By constructing and applying the block chain-based business data processing system which is adapted to business invitation participation, the inviter of the target business can efficiently and accurately find and invite the participators meeting the preset conditions to participate in the specific processing of the target business, thereby effectively simplifying the related data processing flow, reducing the related data processing cost and improving the reliability of the related data processing; meanwhile, the method can also timely share and synchronize the service state information related to the target service with the participants; further, complex data processing such as withdrawal, transfer, redemption, etc. associated with the target business can also be accomplished efficiently and conveniently.

The embodiment of the present disclosure further provides a server, and is shown in fig. 7. The server includes a network communication port 701, a processor 702, and a memory 703, where the above structures are connected by an internal cable, so that each structure may perform specific data interaction.

The network communication port 701 may be specifically configured to receive a target service application request about a target service initiated by a client terminal.

The processor 702 may be specifically configured to respond to a target service application request, and upload service association information of a target service to a blockchain; and broadcasting a target service participation request for the target service in the service data processing system; wherein the business data processing system is a block chain based data processing system; the service data processing system is connected with a plurality of node servers; the service data processing system also comprises a shared service node; the sharing service node is at least provided with a matching intelligent contract and a credit line management intelligent contract; receiving a target intention request which is initiated by a second node server and aims at the target business participation request; the second node server is deployed on the side of an intention party of the target service which is intentionally involved in the target service processing; the target intention request at least carries a node identifier of a second node server and a service participation rule related to a target service; invoking a sharing service node to manage the intelligent contract based on the matched intelligent contract and the credit line, and processing the target intention request by inquiring a blockchain to obtain a first evaluation result about a second node server; the blockchain also stores and maintains a credit line management record table corresponding to the node identification of the second node server; determining participants of the target service meeting the preset conditions according to the first evaluation result; and transmitting participation confirmation information about the target service to a target node server of a participant of the target service; according to a preset protocol rule, carrying out data processing of a target service; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; the shared service node is further configured to push service state information of a target service on the blockchain to a target node server of a participant of the target service.

The memory 703 may be used for storing a corresponding program of instructions.

In this embodiment, the network communication port 701 may be a virtual port that binds with different communication protocols, so that different data may be sent or received. For example, the network communication port may be a port responsible for performing web data communication, a port responsible for performing FTP data communication, or a port responsible for performing mail data communication. The network communication port may also be an entity's communication interface or a communication chip. For example, it may be a wireless mobile network communication chip, such as GSM, CDMA, etc.; it may also be a Wifi chip; it may also be a bluetooth chip.

In this embodiment, the processor 702 may be implemented in any suitable manner. For example, the processor may take the form of, for example, a microprocessor or processor, and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), a programmable logic controller, and an embedded microcontroller, among others. The description is not intended to be limiting.

In this embodiment, the memory 703 may include a plurality of layers, and in a digital system, the memory may be any memory as long as it can hold binary data; in an integrated circuit, a circuit with a memory function without a physical form is also called a memory, such as a RAM, a FIFO, etc.; in the system, the storage device in physical form is also called a memory, such as a memory bank, a TF card, and the like.

The embodiments of the present specification also provide a computer readable storage medium based on the above-mentioned business data processing method, the computer readable storage medium storing computer program instructions which when executed implement the steps of: uploading service association information of the target service to a blockchain; and broadcasting a target service participation request for the target service in the service data processing system; wherein the business data processing system is a block chain based data processing system; the service data processing system is connected with a plurality of node servers; the service data processing system also comprises a shared service node; the sharing service node is at least provided with a matching intelligent contract and a credit line management intelligent contract; receiving a target intention request which is initiated by a second node server and aims at the target business participation request; the second node server is deployed on the side of an intention party of the target service which is intentionally involved in the target service processing; the target intention request at least carries a node identifier of a second node server and a service participation rule related to a target service; invoking a sharing service node to manage the intelligent contract based on the matched intelligent contract and the credit line, and processing the target intention request by inquiring a blockchain to obtain a first evaluation result about a second node server; the blockchain also stores and maintains a credit line management record table corresponding to the node identification of the second node server; determining participants of the target service meeting the preset conditions according to the first evaluation result; and transmitting participation confirmation information about the target service to a target node server of a participant of the target service; according to a preset protocol rule, carrying out data processing of a target service; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; the shared service node is further configured to push service state information of a target service on the blockchain to a target node server of a participant of the target service.

In the present embodiment, the storage medium includes, but is not limited to, a random access Memory (Random Access Memory, RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard Disk (HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.

In this embodiment, the functions and effects of the program instructions stored in the computer readable storage medium may be explained in comparison with other embodiments, and are not described herein.

Referring to fig. 8, on a software level, the embodiment of the present disclosure further provides a service data processing apparatus, where the apparatus may specifically include the following structural modules:

the first processing module 801 may be specifically configured to upload service association information of a target service to a blockchain; and broadcasting a target service participation request for the target service in the service data processing system; wherein the business data processing system is a block chain based data processing system; the service data processing system is connected with a plurality of node servers; the service data processing system also comprises a shared service node; the sharing service node is at least provided with a matching intelligent contract and a credit line management intelligent contract;

The receiving module 802 may be specifically configured to receive a target intent request for the target service participation request initiated by the second node server; the second node server is deployed on the side of an intention party of the target service which is intentionally involved in the target service processing; the target intention request at least carries a node identifier of a second node server and a service participation rule related to a target service;

the second processing module 803 may be specifically configured to invoke the shared service node to match the intelligent contract with the credit line management intelligent contract based on the matching, and process the target intent request by querying a blockchain to obtain a first evaluation result about the second node server; the blockchain also stores and maintains a credit line management record table corresponding to the node identification of the second node server;

the third processing module 804 may be specifically configured to determine, according to the first evaluation result, a participant of the target service that meets the preset condition; and transmitting participation confirmation information about the target service to a target node server of a participant of the target service;

the fourth processing module 805 may be specifically configured to perform data processing of the target service according to a preset protocol rule; in the data processing process of the target service, service state information of the target service is uploaded to a block chain; the shared service node is further configured to push service state information of a target service on the blockchain to a target node server of a participant of the target service.

correspondingly, before receiving the target intention request for the target service participation request initiated by the second node server, the apparatus may be further configured to: the second node server responds to the target service participation request, queries a blockchain according to the service identifier of the target service, and acquires service association information of the target service; performing risk assessment according to the service association information of the target service to obtain a second assessment result; the second node server determines whether to intentionally participate in the target service according to a second evaluation result; and generating a business participation rule about the target business according to the second evaluation result under the condition that the target business is determined to be intentionally participated.

In some embodiments, the business participation rule may specifically include at least one of: participation share with respect to the target service, participation manner with respect to the target service, participation amount of resource data with respect to the target service, and the like.

In some embodiments, the service association information of the target service includes ciphertext data obtained by encrypting the service association information of the target service based on the first private key; the first private key is a private key held by a first node server;

Correspondingly, before receiving the target intention request for the target service participation request initiated by the second node server, the apparatus may be further configured to: the second node server sends a query request of service association information about the target service to the shared service node; the query request at least carries an identity credential of the second node server; the shared service node responds to the query request to carry out authentication on the second node server, and forwards the query request to the first node server under the condition that the authentication of the second node server is confirmed to pass; the first node server responds to the query request and sends a first public key matched with the first private key to the second node server; and the second node server queries a blockchain according to the first public key and the service identifier of the target service to acquire service association information of the target service.

In some embodiments, the second node server comprises a plurality of second node servers; the target intent request includes a plurality of target intent requests from a plurality of second node servers;

correspondingly, when the above second processing module 803 is specifically implemented, the sharing service node may be invoked to manage the intelligent contract based on the matching intelligent contract and the credit line according to the following manner, and process the target intent request by querying a blockchain to obtain a first evaluation result about the second node server: calling a sharing service node to respectively extract a plurality of corresponding business participation rules from the plurality of target intention requests; invoking a sharing service node to determine priority parameters of the business participation rules by processing the business participation rules by utilizing a matching intelligent contract; according to the priority parameters of the business participation rules, arranging a plurality of business participation rules to obtain corresponding business participation rule sequences; and calling the shared service node to manage the intelligent contract according to the credit line, and determining an evaluation result aiming at the business participation rule sequence in the business participation rule sequence by inquiring and utilizing the corresponding credit line management record table as a first evaluation result of the plurality of second node servers.

In some embodiments, when the above second processing module 803 is specifically implemented, the sharing service node may be invoked to manage the intelligent contract according to the credit line according to the following manner, and determine, by querying and using the corresponding credit line management record table, an evaluation result for a service participation rule sequence in the service participation rule sequence as the first evaluation result of the plurality of second node servers: invoking a shared service node to query a blockchain according to the node identification of the current second node server, and acquiring a credit line management record table of the current second node server; calculating the residual credit limit of the current second node server according to the credit limit management record table of the current second node server; determining the credit matching degree of the current second node server according to the residual credit limit of the current second node server and the participation amount of the resource data in the business participation rule of the current second node server; and determining an evaluation result of the current business participation rule in the business participation rule sequence according to the credit matching degree of the current second node server, the business association information of the target business and the business participation rule sequence, and taking the evaluation result as a first evaluation result of the current second node server.

In some embodiments, when the third processing module 804 is specifically implemented, the determining, according to the first evaluation result, the participant of the target service that meets the preset condition may be as follows: according to the first evaluation result, sequentially screening a plurality of business participation rules meeting the requirements from the business participation rule sequence to serve as candidate business participation rules; and determining the intention party of the target service to which the candidate service participation rule belongs as a party of the target service meeting the preset condition.

In some embodiments, after determining the intention party of the target service to which the candidate service participation rule belongs as the party of the target service meeting the preset condition, the apparatus may be further configured, when implemented, to: according to the candidate business participation rule, based on the ordering information of the business participation rule sequence and the business association information of the target business, the candidate business participation rule is adjusted to obtain a corresponding target business participation rule; transmitting participation confirmation information about the target service to a target node server of a participant of the target service; the participation confirmation information carries corresponding target service participation rules and participation share certificates of the target service; and uploading the target business participation rule to a blockchain.

In some embodiments, after sending the participation confirmation information about the target service to the target node server of the participant of the target service, the apparatus may be further configured, when embodied, to: receiving resource data provided by a target node server of a participant of a target service; according to the corresponding target business participation rule, the resource data is stored to a block chain through a shared service node; and setting the resource data to a locked state; and updating the corresponding credit limit management record table according to the resource data.

In some embodiments, the shared service node is further deployed with a business state information management smart contract;

correspondingly, the shared service node can manage the intelligent contract according to the service state information, and when the service state information of the target service on the blockchain is detected to be updated, the service state update information of the target service is pushed to a target node server of a participant of the target service.

In some embodiments, the shared service node is further deployed with a resource allocation management smart contract;

accordingly, when the device is embodied, it may: detecting whether a resource allocation condition is satisfied; under the condition that the resource allocation condition is met, calling the shared service node to utilize the resource allocation management intelligent contract to calculate the allocation resource of the participant aiming at the target service based on the service state information of the target service; and calling the shared service node to distribute the distributed resources to the target node servers of the participants of the corresponding target service by utilizing the resource distribution management intelligent contract.

In some embodiments, in the process of performing data processing of the target service according to a preset protocol rule, the apparatus may be further configured to: receiving a target exit request about a target service initiated by a target node server; the target exit request at least carries a node identifier of a target node server and a participation share certificate of the target service; invoking a sharing service node to carry out verification according to the target exit request; under the condition that verification is confirmed to pass, calling the shared service node to unlock the locking state of the corresponding resource data on the blockchain; and sending the resource data to the target node server; and updating the corresponding credit limit management record table according to the resource data.

It should be noted that, the units, devices, or modules described in the above embodiments may be implemented by a computer chip or entity, or may be implemented by a product having a certain function. For convenience of description, the above devices are described as being functionally divided into various modules, respectively. Of course, when the present description is implemented, the functions of each module may be implemented in the same piece or pieces of software and/or hardware, or a module that implements the same function may be implemented by a plurality of sub-modules or a combination of sub-units, or the like. The above-described apparatus embodiments are merely illustrative, for example, the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

From the above, based on the service data processing device provided in the embodiments of the present disclosure, by constructing and applying the service data processing system based on the blockchain adapted to the participation of service invitation, the inviter of the target service can efficiently and accurately find and invite the participant meeting the preset condition to participate in the specific processing of the target service, so that the related data processing flow can be effectively simplified, the related data processing cost can be reduced, and the reliability of the related data processing can be improved; meanwhile, the method and the system can timely share and synchronize the service state information related to the target service with the participants.

In a specific scenario example, the business data processing method provided in the present specification may be applied to implement risk-participation business processing implemented based on a blockchain technology. For specific implementation, reference may be made to the following.

The risk loan (Risk Participation) business (which can be understood as a target business) initially refers to the risk that a loan bank transfers part of a loan to a loan participant (a loan participant) and pays a certain fee; the lender does not provide the loan funds to the lender, but in the agreed risk period, if the borrower fails to pay the loan bank in an about-oriented manner, the lender pays the corresponding default money to the lender bank according to the ratio agreed by the risk-based lender contract. With the continuous development of business, risk loans have been extended from loan business to international settlement business fields, such as credit issuing, insurance, payment, acceptance or cash registering, etc.; the loan mode also provides the loan line with a business mode combining various loan modes such as "loan line only with loan risk," deriving "loan line financing and loan risk", "loan line financing not with loan risk", "loan line not financing only with loan risk", and the like. The risk loan (Risk Participation) party may refer to a party inviting a loan called an "inviting line" and a party receiving a request for a loan called a "loan line" in the risk loan business mode, and there may be multiple loans in the same business.

Further, the risk-participation (Risk Participation) business accounting criteria may specifically refer to: according to the accounting criteria, the invitation line and the loan line are processed according to the difference of loan principal repayment responsibilities according to the following conditions: case 1), under the conditions that the loan line financing and the loan risk is consulted, the inviting line and the loan line respectively confirm the loan according to the ratio of the loan and the risk bearing; case 2), the inviting line pays the lending line with the lending line only when the client cannot fulfill the payment obligation under the condition of no lending risk, the inviting line provides guarantee to the lending line according to the inviting line, and the lending line confirms the loan according to the risk born. Inviting the outside of the list to confirm the guaranty obligation, and adding a confirmation loan after fulfilling the guaranty obligation; case 3), under the condition that the loan line financing does not participate in the loan risk, inviting the first repayment responsible person (whether the client violates the contract or not) to detach funds to the loan line according to the same inviting line, wherein the inviting line confirms the loan according to all risks born, and the loan line does not confirm the loan; case 4), under the risk that the lender does not financing only the lender, the lender pays the lender according to the proportion of the lender to the inviter only when the client cannot fulfill the payment obligation, the inviter confirms the loan according to the financing amount, and the lender confirms the loan only after fulfilling the guaranty obligation; case 5), under the risk that the lender does not financing and only the lender is at risk, the lender acts as a first repayment liability person (whether the client violates the contract or not), withdraws funds to the lender according to the same inviting line, confirms the loan according to all risks born by the lender, and the inviting line does not confirm the loan; case 6), if the proportion of the funding and the risk bearing is inconsistent, the combination of the five services is considered.

Specifically, for a lending line, the lending patterns can be divided into: 1) Only the risk of the loan, no funds are added, and the loan acts as a first repayment liability person; 2) Only the risk of the credit, no funds are paid, and the credit is not the first repayment responsible person; 3) No risk of credit, only funds are added; 4) And the risk of the loan and the fund are consulted and loaned.

For the inviting line, when the bank is 3), the bank is not at risk of bank, but only the bank is only to bank, the bank is divided into the two cases of 'inviting line first repayment responsible person' and 'inviting line non-first repayment responsible person'.

From the viewpoint of business management elements, the method relates to the collection of the loan fund for issuing a loan, the interest calculation of the loan fund, the calculation of the loan fee, the accounting processing in the exterior of the meter, the management of credit line and the like.

At present, for management of risk-based loan business information, a common technical scheme is that each commercial bank builds an information system by itself to process risk-based loan business. The inviting line communicates the business of the lending label, the lending mode and the related cost price with the potential lending line. After the two parties reach the purpose of the credit, the invitation line sends the information of the invitation message to the credit line through the self bank system, and the credit line confirms after receiving the invitation message, and the information registration is completed in the system of the line. If there are multiple lending lines, the inviting line and each of the lending lines repeat the above-described business processes. And the subsequent business transaction links such as loan issuing, repayment, exhibition period and the like are processed by the invitation line traction head, and the information is synchronized to each participant.

In the above technical scheme, the following pain problems exist: firstly, the risk loan service bargaining link is mostly in off-line butt joint at present, and the efficiency is lower; secondly, the butt joint transformation of the system between banks is involved, the sending and receiving processing of related interactive message information is supported, and the overall research and development cost is high; third, part of business information cannot be effectively shared, for example, the relevant information of financing customers cannot be effectively mastered by a lender, and risks are difficult to comprehensively evaluate to select a proper lending mode; fourth, under the complex business scene (such as the early exit of the lender, the financing period, the early withdrawal of the financing, etc.), the problem of high communication confirmation cost in the prior technical scheme cannot be effectively solved, for example, the early exit of the lender A, the invitation of the lender A, the self-bearing of the share, or the reconfirmation of a new lender B, the reissuing of the lender share, the calculation of the subsequent lender fee related to the share, and the longer flow. It is to solve the above problems that a specific data processing is considered to be performed using the service data processing method provided in the present specification.

In particular, each bank acts as a participating node (node server) to co-build a federated chain system (e.g., a blockchain-based business data processing system), as shown in FIG. 9. And further can be performed based on the structural system according to the following steps:

Step 1, an invitation line (e.g., a first node server of an inviter of a target service) links target service-related information (e.g., service-related information of the target service), and selects one or more intent-to-credit lines (e.g., intent-to-party of the target service) to invite. And broadcasting information by the block chain nodes, and receiving target service information by corresponding banks.

And step 2, the bank receiving the broadcast information can inquire the relevant information of the target business in the authorization range of the invitation line to evaluate the business risk. The bank of the intentional credit replies and feeds back the quasi-credit share, the information of the participation mode, the expense amount and the like (for example, the second node server of the receiving intent party feeds back the target intent request carrying the business participation rule of the target business).

Step 3, the inviting line comprehensively evaluates the lending scheme of each home lending line (for example, evaluates and determines the first evaluation result of the intention direction or the second node server) according to the lending share information of each lending line confirmation reply; the final credit line is determined and the final credit line is notified of the share allocation, credit pattern, interest rate, fee, etc. of the final credit (e.g., the destination node server of the party to the destination service is sent a confirmation message).

Step 4, ending the banking process without obtaining the credit share; a bank that obtains the credit share, determines whether credit funds (e.g., resource data) need to be transferred to the inviting line according to the credit style; if so, the funds transfer result data is linked up after completing the funds transfer, and a message informs the inviting line.

Step 5, after the invitation line completes the collection of the fund of the loan, carrying out loan issuing; and the processing results are broadcast and notified to the lenders.

And 6, synchronously uploading management information of the follow-up service, pushing each ginseng and credit line, and carrying out data synchronous sharing (for example, in the data processing process of the target service, the first node server can upload service state information of the target service to the blockchain, wherein the sharing service node is also used for pushing the service state information of the target service on the blockchain to the target node server of a participant of the target service).

The target business related information can be uplink by the invitation line for inquiring by the intention loan line. The intent credit line can inquire that the target business related information comprises part of information (such as the region where the client is located, industry, income profit of the last N years, and the like) which can be disclosed by the financing client, and the intent information (intent principal, intent period) and the like; the intention lender carries out risk assessment according to the information of the inquired target, and the assessment model flow is the same as the existing bank flow.

In the implementation, in the step 3 of the process, bid matching can be automatically realized through an intelligent contract mode, so that the efficiency of business achievement is further improved. Specifically, the inviting line links the credit line evaluation result data of each lending line, and deploys a bid matching intelligent contract (for example, a matching intelligent contract); and after receiving the confirmation reply credit information of the credit line, processing according to the judgment rule set by the intelligent contract, and automatically replying the credit share distribution information for the credit line records meeting the conditions, and deducting the credit line of the corresponding credit line. Therefore, the service processing efficiency and the management cost of the follow-up service can be effectively improved.

Referring to fig. 10, the constructed system includes at least three types of nodes, respectively: a bank self-building service node 01 (for example, a node server deployed on a business side), a shared service node 02 and a blockchain node 03. Specific:

the self-built service node 01 of the bank mainly realizes shared service call, business data uplink of risk loan marks, on-link data query function, loan communication confirmation, loan business information management and the like.

Specifically, the node comprises a shared service calling module 11, a banking system data access module 12, an on-link data query downloading module 13, an identity authentication module 14, a data storage module 15 and a broadcast block chain module 16. Specifically, referring to fig. 11, the self-built service node of the bank includes the following structural modules:

The shared service calling module 11: through this module, related services provided by the shared service node 02, such as a bid matching intelligent contract service, a member institution credit limit management service, a credit business information management service, and a credit interest fee calculation intelligent contract service, can be invoked.

Banking system data access module 12: the module mainly realizes the uplink of data at the bank side, and the uplink data mainly comprises: 1) Business data of risk ginseng and credit marks; 2) Risk ginseng credit share information; 3) And confirming the credit result.

The on-chain data query download module 13: the module is used for querying data on the chain, such as querying business data of risk parametrics.

Identity authentication module 14: and the authentication is responsible for verifying the identity authority of the self-built service node of the bank.

The data storage module 15: and the business data, the risk loan share information and the loan result confirmation information of the risk loan label are stored in the self-built service node of the bank.

Broadcast blockchain module 16: is responsible for broadcasting the bank invitation credit information, the credit intent feedback information and the credit share confirmation information to the block link point consensus.

The shared service node 02 mainly provides services to other nodes in the federation in a mode of SAAS (Software as a Service, software operating service) sharing. The system mainly comprises an intelligent contract 21 for bid matching, an intelligent contract 22 for member institution credit limit management, an intelligent contract 23 for credit business information management, and an intelligent contract 24 for calculating the credit interest charge. Referring to fig. 12, the shared service node structure diagram may specifically include the following structural modules:

Bid match intelligence contract 21 (e.g., match intelligence contract): the intelligent contract technology of the blockchain is mainly adopted, and based on the information of the lending intention replied by the bank with the lending intention in the alliance chain member, the processing is automatically carried out according to the preset bidding matching rule of the contract, and the matching result is output. The intelligent contracts of bid matching can be multiple, and different bid matching rules are adopted for the selective use of the invitation lines of the loan business. The intelligent contract 21 for bid matching provided by the specification can be utilized to better reduce the manual communication cost and improve the service processing efficiency.

The description is given of an example of automatically implementing bid-matching lending business by intelligent contract mode: inviting line A, planning to invite other banks to carry out participation on a business with financing amount of 5000 ten thousand, and appointing to automatically bid and match through the bid and match intelligent contract A, wherein the content of the match rule corresponding to the bid and match intelligent contract A can comprise:

1) The priority of the loan mode is sequentially from high to low: the method comprises the steps of participating in a loan risk, participating in a loan fund, participating in only the loan risk, not participating in the loan fund (participating in a first repayment responsible person), only participating in the loan risk, not participating in the loan fund (participating in a non-first repayment responsible person), not participating in the loan risk, and only participating in the loan fund;

2) The loan rate is from low to high;

3) The credit mode takes precedence over the credit rate;

4) The effective threshold of the credit rate is set to 0-5%.

Specifically, for example, information is broadcast to banks B1 to Bn by blockchain nodes. The records of the lending intent returned by banks B1-Bn are shown in Table 1:

TABLE 1

The step of using the bid matching smart contract a process for specific data processing may include the following:

s1: judging the feedback records of the ginseng and the credit, judging whether the identification of the ginseng and the credit is yes, and eliminating the record of no, wherein the feedback records of the ginseng and the credit of B9-Bn in the table are shown above.

S2: and judging whether the ginseng and loan rate exceeds a valid threshold, if so, marking as an invalid bid record, not processing the record, and exceeding the threshold by 5% with the ginseng and loan rate value of 6% in the feedback record of the ginseng and loan of B8 in the table.

S3: all valid lending intent records are sorted according to lending pattern, and records of the same class are sorted from low to high according to lending rate.

S4: and judging whether the credit line of the credit line is enough one by one according to the priority of the credit mode set by the intelligent contract from high to low, and if so, carrying out confirmation deduction on the credit share until the credit share is confirmed (the credit share of the last credit line is in accordance with the last residual share).

Based on the above service example, assuming that the credit line of all the lenders is sufficient, the final confirmed lending result is referred to table 2.

TABLE 2

Ginseng and credit line	Reply whether to take credit or not	Ginseng and credit mode	Ginseng and credit gold amount	Ginseng and credit rate
					B4	Is that	Risk of loan and funds of loan	2000 ten thousand	3.2％
B1	Is that	Risk of loan and funds of loan	1000 ten thousand	3.3％
					B7	Is that	Risk of loan and funds of loan	800 ten thousand	4.1％
B3	Is that	Risk of loan and funds of loan	500 ten thousand	4.5％
					B5	Is that	Without risk of credit, only funds are added	700 ten thousand	3.25％

Specifically, when performing the bid matching intelligent contract service processing, the bid matching intelligent contract service processing can be divided into bid matching preprocessing and bid matching processing, as shown in fig. 13.

The membership institution consults a credit line management smart contract 22 (e.g., an authorized credit line management smart contract) may specifically be: the credit line of the bank is normally occupied in the risk bank, under the traditional risk bank mode, the credit of the bank to the credit line is managed respectively, information is not shared, and in the extreme case, a certain bank A is used as the bank to carry out risk bank in the target business of different inviting banks, so that the risk of the bank A is too high.

In this scenario example, the intelligent contract can be managed by the member institution participating and lending amount, so that the sharing of the participating and lending management information of each member institution in the alliance chain can be realized, and therefore, risk control can be better performed, and bid matching can be better realized. Specifically, when a new member organization joins the alliance chain, all members of the block chain are automatically broadcasted, and credit trust evaluation is performed on the new joining member organization. And each member bank performs credit evaluation on the member mechanism added by the new application (the link is the same as the current credit evaluation flow of the bank), and the credit record is uplink and processed by the intelligent contract for managing the online credit. The list of the credit management information established on the chain is shown in the following table, and the credit record information of each bank for evaluating other member banks as the participating and lending line comprises credit, used credit and credit balance information. See table 3 for details.

TABLE 3 Table 3

Sequence number	Ginseng and credit line	Credit bank	Credit line	Used credit	Balance of amount
						1	B	A	X1	U1	B1
2	C	A	X2	U2	B2
						3	D	A	X3	U3	B3
4	A	B	X4	U4	B4
						5	C	B	X5	U5	B5
6	D	B	X6	U6	B6
						7	A	C	X7	U7	B7
8	B	C	X8	U8	B8
						9	D	C	X9	U9	B9
10	A	D	X10	U10	B10
						11	B	D	X11	U11	B11
12	C	D	X12	U12	B12
						...

In specific implementation, each member bank carries out credit trust evaluation on member institutions added by new applications, the new members are evaluated by using respective local models, and credit records of evaluation results are linked and processed by intelligent contracts for managing the on-chain credit. The credit management information table (e.g., credit management record table) established on the chain is a plurality of credit records for the new member.

When the intelligent contract specific processing is based on bid matching, whether the credit line of the lender is enough or not needs to be judged, firstly, the line judgment rule of the lender is obtained, and then, corresponding verification processing is automatically carried out according to the judgment rule. The judgment rule can be customized, and the invitation line can set the judgment principle of the credit line when inviting other banks to carry out risk credit by the invitation line, which comprises the following modes, and the specific description is as follows:

1. only judging one line of credit: for a risk credit service, reading a credit line record of the risk credit service invitation line to the credit line, and judging whether the balance of the line is greater than or equal to the current risk credit line;

2. Judging multi-line credit (highest): for a risk ginseng credit business, reading all credit line records of the risk ginseng credit, taking the record with the highest credit line, and taking the corresponding balance of the credit line to judge whether the current risk ginseng credit is larger than or equal to the current risk ginseng credit;

3. judging multi-line credit (lowest): for a risk ginseng credit business, reading all credit line records of the risk ginseng credit, taking the record with the lowest credit line, and taking the corresponding balance of the credit line to judge whether the current risk ginseng credit is larger than or equal to the current risk ginseng credit;

4. judging multi-line credit (taking average value): and for a risk ginseng credit business, reading all credit line records of the risk ginseng credit, summing up and averaging the balance of all credit line records, and judging whether the average value is greater than or equal to the current risk ginseng credit gold.

In addition, a confirmation deduction of the credit portion is performed if the amount is sufficient. The member institution joins the credit limit management intelligence to the limit information processing time, the limit freezing, the limit thawing, the limit occupation and the limit release scene.

A credit business information management smart contract 23 (e.g., a business status information management smart contract): and updating the risk loan service information, and broadcasting to other nodes through block link points to perform information synchronization. The risk ginseng and loan business information is updated with the period of exhibition, repayment, resale, early exit and the like.

And (3) during the exhibition period: if the business client of the financing target applies for the exhibition period, the invitation line broadcasts the information of the exhibition period to all the lending lines in a uplink mode, and after the lending lines are confirmed, the information consensus after the exhibition period is automatically completed.

Repayment: updating the service state after the payment is due, synchronizing the information on the chain, and after the payment is received (if yes), confirming the service on the chain, and carrying out the service roll-up processing. The inviting line releases the line occupation of the lending line.

Resale: the lender resells the held lending share for its own business consideration prior to expiration of the lending business, which may issue a resale request via the blockchain, which is simply a resale of the self-sustaining lending share.

In specific implementation, based on the system, the processing and selling steps of share resale are as follows:

step 1, issuing financing resale information through a blockchain by a selling party (namely a lending party holding party of an original lending business), and simultaneously issuing a lending party transfer application and broadcasting to selected member institutions in a alliance chain.

And step 2, the bank receiving the broadcast information can inquire the relevant information of the marked business in the authorized range of the selling trip to evaluate the business risk. An institution that purges the share of the loan intentionally replies.

And step 3, the seller receives the reply of the intention buying row and confirms the reply.

It should be added that at this time, there are two kinds of processing flows:

first, the resale is transparent to the original lending business, and the resale business is completed after confirmation. For the selling trip, two businesses are adopted, and after the original risk loan business expires and the return amount (if any) of the inviting trip is received, the risk loan business is ended. Meanwhile, the amount of the buying row needs to be returned under the resale financing service, and the resale financing service is finished.

Second, the resell exits the original lending business, at which point the reseller sends a resell message to the inviting line of the risk lending business informing the inviting line that the share held by the inviting line has been reselled to bank a.

And 4, updating the information of the ginseng and credit line by the invitation line, and changing the ginseng and credit line of the sold share into the information of the buying line.

Based on the system, corresponding processing can be performed for early exit. Wherein, the early exit may specifically refer to: the lender may wish to withdraw ahead of time before the lending business expires, for his business considerations, at which time the inviting line resells the held lending portion, and may issue a resale request via the blockchain, the resale business being simply a resale of the self-sustaining lending portion.

In specific implementation, based on the system, the processing and selling steps for early exit are as follows:

step 1, the quasi-early exit of the lending line issues a lending early exit message through the blockchain, and issues a lending share transfer application, and broadcasts the application to selected member institutions in the coalition chain.

And step 2, the bank receiving the broadcast information can inquire the relevant information of the target business in the authorization range of the invitation line to evaluate the business risk. An institution that intentionally receives the contribution is replied.

And 3, the response of the receiving lender is received by the lender to be withdrawn in advance, and confirmation is carried out. And notify the inviting line after receiving the funds transfer (if any) of the receiving lending line.

And 4, updating the information of the lending line by the inviting line, and changing the lending line to be withdrawn in advance into the information of the receiving lending line.

The credit interest fee calculation smart contract 24 (e.g., a resource allocation management smart contract): the cost and interest (such as related) related to the risk-participation business are uniformly calculated and managed.

It should be noted that the interest calculated by the contract module is not the interest calculation (e.g., allocation resource calculation) of the customer by the business of the lender, and the interest calculation of the customer is generally managed by the inviting line through its own system calculation, because this part of information does not involve sharing communication with the lender. The interest calculated by the contract module is the interest that may be generated between the inviting line and each of the lending lines during the risk-based lending business according to the selected lending mode. For example: in a risk credit, the credit line A selects the 'credit line financing without credit risk', and funds are detached from the credit line according to the same invitation line, so that the invitation line needs to pay interest to the credit line. The intelligent contract for calculating the participation and interest fees is uniformly calculated and is used for calling by all parties, so that the repeated calculation workload of all parties is reduced.

Specifically, the inviting line invokes the credit interest fee calculation intelligent contract service through the banking node, and a risk credit service number is transmitted, so that the credit service can be returned, and the inviting line needs to pay the fee amount and the interest amount (if any) to each credit line. Each participant can obtain the income (expense income and interest income) of the participant under the wind participant service through the contract service. Through the unified calculation wetting module, the cost of self-calculation, self-management and multiparty handshake communication of the inviting line and each ginseng and lending line can be reduced.

The interest calculation related to the module is similar to the interest calculation of the loan business in the industry, and the interest calculation is calculated based on the relevant information such as principal, loan interest rate, loan period and the like, so that the modes of not counting the end of the repayment day and not counting the end of the repayment day are supported.

Therefore, the information of the risk loan service is managed by adopting the blockchain intelligent contract technology, so that the information can be quickly synchronized among the loan member institutions, the efficiency is high, the flow is short, and the effect obtained under a complex scene is more obvious.

The blockchain node 03 (e.g., a blockchain connected to a service data processing system) may, as shown in fig. 14, be composed of a plurality of consensus nodes and a plurality of witness nodes, and may be in charge of competing for the matching of intelligent contracts, member institution credit limit management intelligent contracts, credit service information management intelligent contracts, and credit interest fee calculation intelligent contracts in cooperation with the sharing service node, so as to implement storage on a data chain, ensure data accuracy, tamper resistance, and traceability. Specifically, the system may include a bid matching intelligent contract execution module 33, a member institution credit line management intelligent contract execution module 34, a credit business information management intelligent contract execution module 35, a credit interest fee calculation intelligent contract execution module 36, a data storage module 37, and a data transmission module 38.

The plurality of consensus nodes and the plurality of witness nodes can be specifically selected from all member bank nodes in the alliance chain, for example, bank nodes with traffic TOP N can be selected, statement labeling is carried out on successfully matched risk ginseng and credit businesses, and the method is used for co-controlling business default risks of the alliance chain.

The bid matching intelligent contract execution module 33, the member institution credit limit management intelligent contract execution module 34, the credit business information management intelligent contract execution module 35 and the credit interest charge calculation intelligent contract execution module 36 call corresponding intelligent contract services of the shared service node 02 to complete.

Based on the system, when the broadcast block chain module related to the related node is responsible for updating the data operation of the related node, the data can be uploaded to the block chain after being confirmed by using a private key Hash signature, so that the true accuracy of the data is ensured.

Based on the scene example, the business data processing method provided by the specification is verified, and the risk-based loan business data sharing processing is realized in a mode of building a alliance chain together by banks, so that the pain point problem existing in the current risk-based loan business management technical scheme can be effectively solved, and a better processing effect is obtained. Specifically, the method comprises the following steps: firstly, by adopting the technical scheme of the present disclosure, online bargaining or bid matching through intelligent contracts can be realized, and bargaining cost is reduced; secondly, the invitation line is supported to share the target business information in a uplink manner so that the loan line can fully evaluate the business risk, and meanwhile, unified management of the loan line is realized through the blockchain technology, so that the business risk can be better controlled; thirdly, the management of the information of the loan-consulting business is realized, the rapid synchronization among the dry system people of the loan-consulting business is realized, particularly, under the complex business scene, the business handling flow is shortened, the business efficiency is improved, and the full life cycle and high efficiency management of the information of the risk loan-consulting business are realized.

Although the present description provides method operational steps as described in the examples or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive means. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. When implemented by an apparatus or client product in practice, the methods illustrated in the embodiments or figures may be performed sequentially or in parallel (e.g., in a parallel processor or multi-threaded processing environment, or even in a distributed data processing environment). The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, it is not excluded that additional identical or equivalent elements may be present in a process, method, article, or apparatus that comprises a described element. The terms first, second, etc. are used to denote a name, but not any particular order.

From the above description of embodiments, it will be apparent to those skilled in the art that the present description may be implemented in software plus a necessary general hardware platform. Based on such understanding, the technical solutions of the present specification may be embodied essentially in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and include several instructions to cause a computer device (which may be a personal computer, a mobile terminal, a server, or a network device, etc.) to perform the methods described in the various embodiments or portions of the embodiments of the present specification.

Although the present specification has been described by way of example, it will be appreciated by those skilled in the art that there are many variations and modifications to the specification without departing from the spirit of the specification, and it is intended that the appended claims encompass such variations and modifications as do not depart from the spirit of the specification.

Claims

1. A service data processing method, applied to a first node server, where the first node server is deployed on an inviter side of a target service, the method comprising:

2. The method of claim 1, wherein the target service participation request carries at least a service identifier of a target service;

3. The method of claim 2, wherein the business participation rule comprises at least one of: participation share with respect to the target service, participation manner with respect to the target service, participation amount of resource data with respect to the target service.

4. The method according to claim 2, wherein the service association information of the target service includes ciphertext data obtained by encrypting the service association information of the target service based on the first private key; the first private key is a private key held by a first node server;

5. A method according to claim 3, wherein the second node server comprises a plurality of second node servers; the target intent request includes a plurality of target intent requests from a plurality of second node servers;

and calling the shared service node to manage the intelligent contract according to the credit line, and determining an evaluation result aiming at the business participation rule sequence in the business participation rule sequence by inquiring and utilizing the corresponding credit line management record table as a first evaluation result about a plurality of second node servers.

6. The method of claim 5, wherein invoking the shared service node to manage the intelligent contract according to the credit line, determining an evaluation result for a service participation rule sequence among the service participation rule sequences by querying and utilizing a corresponding credit line management record table as a first evaluation result for the plurality of second node servers comprises:

7. The method of claim 6, wherein determining, based on the first evaluation result, the participant of the target service that satisfies the preset condition comprises:

8. The method according to claim 7, wherein after determining the intended direction of the target service to which the candidate service participation rule belongs as the party of the target service satisfying a preset condition, the method further comprises:

and uploading the target business participation rule to a blockchain.

9. The method of claim 8, wherein after transmitting participation confirmation information about the target service to the target node server of the participant of the target service, the method further comprises:

10. The method of claim 1, wherein the shared service node is further deployed with a business state information management smart contract;

11. The method of claim 1, wherein the shared service node is further deployed with a resource allocation management smart contract;

detecting whether a resource allocation condition is satisfied;

12. The method according to claim 1, wherein in the process of performing data processing of the target service according to a preset protocol rule, the method further comprises:

13. A service data processing apparatus, applied to a first node server, the first node server being disposed on an inviter side of a target service, comprising:

14. A server comprising a processor and a memory for storing processor-executable instructions, which when executed by the processor implement the steps of the method of any one of claims 1 to 12.

15. A computer readable storage medium, having stored thereon computer instructions which, when executed by a processor, implement the steps of the method of any of claims 1 to 12.