WO2019127532A1 - 基于区块链的众筹信息处理方法、装置、存储介质及电子设备 - Google Patents

基于区块链的众筹信息处理方法、装置、存储介质及电子设备 Download PDF

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Publication number
WO2019127532A1
WO2019127532A1 PCT/CN2017/120267 CN2017120267W WO2019127532A1 WO 2019127532 A1 WO2019127532 A1 WO 2019127532A1 CN 2017120267 W CN2017120267 W CN 2017120267W WO 2019127532 A1 WO2019127532 A1 WO 2019127532A1
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WIPO (PCT)
Prior art keywords
information
crowdfunding
investor
blockchain
billing
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PCT/CN2017/120267
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English (en)
French (fr)
Inventor
李文静
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深圳前海达闼云端智能科技有限公司
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Priority to PCT/CN2017/120267 priority Critical patent/WO2019127532A1/zh
Priority to CN201780002521.2A priority patent/CN108513669B/zh
Publication of WO2019127532A1 publication Critical patent/WO2019127532A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Definitions

  • the present disclosure relates to the field of Internet technologies, and in particular, to a blockchain-based crowdfunding information processing method, apparatus, storage medium, and electronic device.
  • the public number is an effective means of profiting from the content of the media era.
  • the profit model of the public number includes the following: First, advertising: the public head pushes the headline, the second article, and the tail of the article, and the advertisers are based on the number of fans. The click amount is given to the public number operator for a certain amount of advertising expenses; Second, the reader rewards: there is a reward function at the end of the article of the public number, the reader rewards the public subject operator according to the preference; Third, the marketing product: in the public number Direct marketing or consignment of goods in the article, indirect income.
  • the operation mode of the existing public number is more suitable for the development of the “big v” account (100,000+ or millions of fans). It is difficult for the startup public to obtain financial support and development is hindered.
  • the present disclosure provides a crowdfunding mechanism, in which how to ensure the authenticity and security of the crowdfunding related information in the process of crowdfunding initiation, thereby ensuring the truth of crowdfunding Effective is the problem that needs to be solved currently.
  • the present disclosure provides a blockchain-based crowdfunding information processing method, apparatus, storage medium, and electronic device for solving the authenticity and security problem of crowdfunding related information existing in the crowdfunding initiation process of the public number. .
  • a blockchain-based crowdfunding information processing method for a server of a public network platform, the method comprising:
  • the crowdfunding request includes first information, where the first information includes crowdfunding configuration information, identity information of the crowdfunding promoter, and crowdfunding One or more of billing information, or the first information is stored in a first block in a blockchain, the crowdfunding request including a query address and an inquiry key of the first information;
  • the first crowdfunding event is released through the public network platform.
  • a blockchain-based crowdfunding information processing apparatus for a server of a public network platform, the apparatus comprising:
  • a receiving module configured to receive a crowdfunding request initiated by the first user account for the first crowdfunding event, where the crowdfunding request includes first information, where the first information includes crowdfunding configuration information, and the crowdfunding initiator One or more of identity information and crowdfunding billing information, or the first information is stored in a first block in a blockchain, the crowdfunding request including a query address and a query of the first information Key
  • a verification module configured to perform audit verification on the first information according to the crowdfunding request
  • a publishing module configured to, when the first information passes the verification, publish the first crowdfunding event through the public network platform.
  • a computer readable storage medium comprising one or more programs, the one or more programs for performing the method of the first aspect.
  • an electronic device comprising: the computer readable storage medium of the third aspect; and one or more processors for executing a program in the computer readable storage medium.
  • the public network platform may obtain the first information from the crowdfunding request, or according to the first information.
  • the query address and the query key obtain the first information from the blockchain, and the public network platform performs audit verification on the obtained information, wherein the first information may include the crowdfunding configuration information and the crowdfunding promoter.
  • One or more of the identity information and crowdfunding billing information One or more of the identity information and crowdfunding billing information.
  • the verification of crowdfunding configuration information, the identity information of crowdfunding promoters and the crowdfunding billing information through the public network platform guarantees the authenticity of this information, and the storage of this information through blockchain technology can ensure the security of this information. Sex. Thereby ensuring the authenticity and security of the crowdfunding related information existing in the crowdfunding process.
  • 1A is a schematic structural diagram of a blockchain network provided by the present disclosure
  • FIG. 1B is a flowchart of a blockchain-based crowdfunding information processing method according to an exemplary embodiment of the present disclosure
  • FIG. 2 is a flowchart of another blockchain-based crowdfunding information processing method according to an exemplary embodiment of the present disclosure
  • FIG. 3 is a flowchart of still another blockchain-based crowdfunding information processing method according to an exemplary embodiment of the present formula
  • FIG. 4 is a flowchart of still another blockchain-based crowdfunding information processing method according to an exemplary embodiment of the present formula
  • FIG. 5 is a schematic flowchart of an information review verification method according to the embodiment shown in FIG. 1B; FIG.
  • FIG. 6 is a schematic flow chart of another method for verifying information verification according to the embodiment shown in FIG. 2;
  • FIG. 7 is a block diagram of a blockchain-based crowdfunding information processing apparatus according to an exemplary embodiment of the present disclosure.
  • FIG. 8 is a block diagram of an electronic device according to an exemplary embodiment
  • FIG. 9 is a block diagram of another electronic device, according to an exemplary embodiment.
  • an application scenario involved in various embodiments of the present disclosure is introduced.
  • Various embodiments of the present disclosure relate to scenarios initiated and implemented by crowdfunding based on public numbers.
  • the public number involved in the present disclosure includes but is not limited to: WeChat public number, Weibo public number or other public number on the public network platform providing the public number, and the public network involved in various embodiments of the present disclosure can be understood as the public. Number of network service providers (such as WeChat, Weibo).
  • the user account involved in various embodiments of the present disclosure may be understood as an account in the public network platform, such as a public account used by a crowdfunding promoter in a WeChat platform to initiate crowdfunding, or a crowdfunding investor in a WeChat platform.
  • Public account (if it is a personal investor, it can also be the investor's private account on the WeChat platform).
  • the server of the public network platform may be a server that provides management, transaction, information storage, data processing and the like for each account in the public network platform, and the server may be a single server or a server cluster composed of multiple servers, or may It is a cloud computing service center.
  • the electronic device used by the public account of the crowdfunding sponsor may be a mobile device, a computer, etc.
  • the electronic device used by the crowdfunding investor's user account for example, may be mobile) Devices, computers, etc.
  • servers of the public network platform to which these user accounts belong and electronic devices used by third-party monitoring platforms (for example, mobile devices, computers, etc., or servers) may be located in the same blockchain network.
  • Each of the above electronic devices or servers may be a node in the blockchain network, and each node has an account corresponding to its own identity (or an account address) in the blockchain network.
  • FIG. 1A is a schematic structural diagram of a blockchain network provided by the present disclosure. As shown in FIG.
  • each node may be a smart terminal 1, a computer 2, or Server 3, each node may have a user account of a public network platform, such as a micro-signal, and each node also has an account address in the blockchain network shown in FIG. 1A, which is used to indicate that the node is in the block.
  • a public network platform such as a micro-signal
  • each node also has an account address in the blockchain network shown in FIG. 1A, which is used to indicate that the node is in the block.
  • the identity in the chain network which together maintain the blockchain shown in Figure 1A.
  • a blockchain is a decentralized distributed database system in which all nodes in a blockchain network participate in maintenance. It is composed of a series of data blocks generated by cryptography, and each block is a blockchain. One block. According to the order of generation time, the blocks are linked together in an orderly manner to form a data chain, which is called a blockchain (BlockChain).
  • a node in a blockchain network may be referred to as a blockchain node, wherein the blockchain network is based on a P2P network, and each P2P (Peer) participating in transaction and block storage, verification, and forwarding To Peer, peer-to-peer network)
  • Network nodes are nodes in a blockchain network.
  • the user identity in the blockchain network is represented by a public key, and the public key and the private key are paired.
  • the private key corresponding to the public key is mastered by the user and not posted to the network, and the public key can pass a specific hash.
  • the code becomes an "address", which can be understood as an account, representing its corresponding user, and can be freely published in the blockchain network.
  • each node participating in the calculation has the same authority (decentralized, no trust), including transactions, calculation blocks (commonly known as mining, ie mining) And other core functions.
  • the transaction representative will be written into the block data, and the block (Block) adopts a specific generation mechanism to ensure that the longest chain (the longest chain contains the most relevant blocks) is the effective chain.
  • the data of the transaction usually includes a certain attribute or currency, such as the digital signature of the transaction owner (ie, the owner's private key encrypts the transaction, usually called digital signature), the account address of the transaction recipient Etc., after the transaction passes the verification of the owner's digital signature and is written into the block, the ownership of the currency is transferred to the recipient.
  • a certain attribute or currency such as the digital signature of the transaction owner (ie, the owner's private key encrypts the transaction, usually called digital signature), the account address of the transaction recipient Etc.
  • the process of writing blocks to the data of the blockchain is performed by the blockchain node by writing a transaction to the blockchain network to write data to the blockchain.
  • the transaction includes: the blockchain node performs a digital signature on the generated transaction data packet according to a preset transaction data format, and uses the private key of the blockchain node to perform the digital signature on the transaction data packet, and the digital signature is used to prove the The identity of the user of the blockchain node.
  • the transaction is then recorded by the “miners” in the blockchain network (ie, the blockchain nodes that perform the PoW consensus competition mechanism) into the new blocks generated in the blockchain, and the transaction is posted to the blockchain network.
  • the transaction is verified by other blockchain nodes (other nodes can obtain the public key of the blockchain node from the transaction generated by the blockchain node, and sign the digital signature according to the public key of the blockchain node Verification, in addition to verifying the digital signature, can verify that the transaction packet is the specified data structure) and the transaction is written to the blockchain.
  • the new block in the blockchain is implemented by the above-mentioned “miners” to implement the PoW consensus competition mechanism (this mechanism can be understood as: each “miner” according to the preset technical requirements of the block, for example, according to the preset random number requirement To jointly calculate the random number, which "miner” first calculates the random number that meets the random number requirement, and the block produced by the "miner” is periodically generated as the new block.
  • the blockchain-based crowdfunding information processing method provided by the present disclosure will be described below.
  • FIG. 1B is a flowchart of a blockchain-based crowdfunding information processing method, which is applied to a server of a public network platform, as shown in FIG. 1B, according to an exemplary embodiment of the present disclosure, the method includes:
  • Step 101 Receive a crowdfunding request initiated by the first user account for the first crowdfunding event, where the crowdfunding request includes the first information, where the first information includes the crowdfunding configuration information, the identity information of the crowdfunding initiator, and the crowdfunding bill One or more of the information, or the first information is stored in the first block in the blockchain, and the crowdfunding request includes the query address and the query key of the first information.
  • the first user account may be a public number operated by the crowdfunding promoter on the public network platform.
  • the public number is a WeChat public number, or when the public network platform is Weibo, The public number is the Weibo public number.
  • the crowdfunding promoter may be the manager of the public number, such as a legal person of the unit, and the like.
  • the crowdfunding configuration information may include at least one of a crowdfunding target amount, a crowdfunding time, a crowdfunding minimum or maximum amount of funds, equity agreement information, and contract type information, wherein:
  • the crowdfunding target amount is: the amount of funds raised by the crowdfunding target, and the crowdfunding target amount may be the amount of one or more currency types in the physical currency, electronic money or digital currency.
  • Crowdfunding time includes: crowdfunding start time and end time.
  • the minimum or maximum amount of crowdfunding is: the minimum or maximum investment amount to participate in crowdfunding.
  • the equity agreement information includes one or more of the following: the equity ratio corresponding to the crowdfunding target amount, the equity dividend period, the expected proportion of the equity dividend, the nature of the equity corresponding to the equity (such as whether there is voting rights), whether the equity can be triggered at the scheduled Equity operations such as transfer or redemption, and predetermined trigger conditions for these equity operations.
  • Contract types include: a normal contract or a smart contract, which is a blockchain-based contract that can be written on a specified blockchain to meet pre-configured trigger conditions in a smart contract. At the time, the smart contract can automatically trigger operations such as equity transfer, redemption, and equity dividends.
  • a smart contract is actually an executable code stored on a blockchain. It does not have a strict account address because it does not necessarily have an actual owner, but its characteristics and behavior can be seen in many cases. Is a machine account controlled by programming logic.
  • the identity information of the crowdfunding sponsor may include at least one of personal identification information, organization information, and digital currency account address.
  • Personal ID information such as ID cards, passports, military officers' licenses, driver's licenses, etc.
  • Organization information such as organization code, organization certification, and the like.
  • the digital currency account address may be a bank account, a third party trading platform account, a virtual currency account, and the like.
  • the crowdfunding billing information includes billing query channels and/or expected costing information.
  • the crowdfunding billing query channel may include: the URL or query entry corresponding to the crowdfunding bill, or the account address of the smart contract of the crowdfunding bill, or the trading account address and investor of the crowdfunding promoter on the blockchain network.
  • the transaction account address on the blockchain network eg, the address may be the input address of the crowdfunding sponsor receiving money from the public network platform or a third party, and the output address of the crowdfunding sponsor paying the expense).
  • the crowdfunding billing query channel may further include: an authentication information or a key for the crowdfunding participant (for example, an investor, a third-party supervision platform, etc.) to query the crowdfunding bill.
  • the expected cost information may include information such as the ratio of expected costs to crowdfunding funds, the items and amounts included in the expected cost expenses.
  • the crowdfunding request may directly include the first information, so that after receiving the crowdfunding request, the public network platform may directly obtain the crowdfunding configuration information, the identity information of the crowdfunding promoter, and the crowdfunding billing information. One or more of them, and then can proceed to the review of the next step.
  • the first information may not be included in the crowdfunding request, but is stored in the first block in the blockchain, and the corresponding crowdfunding request includes the query address and the query secret of the first information.
  • the key, the query address and the query key enable the public network platform to query the first block and obtain the crowdfunding configuration information, the identity information of the crowdfunding initiator, and the crowdfunding billing information, wherein the query address may be The identifier of the first block (for example, the block number).
  • Step 102 Perform verification verification on the first information according to the crowdfunding request.
  • the public network platform is responsible for the crowdfunding configuration information, the identity information of the crowdfunding promoters, and the crowdfunding bill after obtaining the crowdfunding configuration information, the identity information of the crowdfunding promoters, and the crowdfunding billing information according to the crowdfunding request.
  • the information is reviewed to ensure that the crowdfunding request is true and valid. For example, it can be verified whether the crowdfunding configuration information is in compliance with the regulations, whether the identity information of the crowdfunding sponsor is authentic, and whether the crowdfunding billing information is authentic or not. After the above information has been verified by the audit, it indicates that the crowdfunding event initiated this time is in compliance with the regulations, and can be announced in step 103.
  • the credit information of the crowdfunding promoter may be further reviewed according to the identity information of the crowdfunding sponsor, wherein the credit information may also be stored by the blockchain technology.
  • Step 103 When the first information passes the verification, the first crowdfunding event is released through the public network platform.
  • the crowdfunding request should be rejected.
  • the above-mentioned crowdfunding process provided by the present disclosure can prevent the public number from being funded in the early stage of development due to the shortage of users (commonly known as fans) and the shortage of funds caused by slow promotion. And in the above technical solution provided by the present disclosure, the authenticity and security of the crowdfunding related information can be ensured by the blockchain technology.
  • FIG. 2 is a flowchart of another blockchain-based crowdfunding information processing method according to an exemplary embodiment of the present disclosure, which is applied to a server of a public network platform. As shown in FIG. 2, the method includes:
  • Step 104 Receive a crowdfunding participation request for the first crowdfunding event sent by the second user account, where the crowdfunding participation request includes the second information, where the second information includes one or more of the investor's identity information and the subscription information. Or the second information is stored in the second block in the blockchain, and the crowdfunding participation request includes the query address and the query key of the second information, and the subscription information includes: the subscription amount or the number of subscribed shares.
  • the second user account may be a public number or a personal account operated by the investor on the public network platform.
  • the public number is a WeChat public number or a personal micro signal, or the public network.
  • the platform is Weibo
  • the public number is the Weibo public number or personal Weibo account.
  • the identity information of the investor may include at least one of personal ID information, organization information, and digital currency account address, wherein the personal identification information, the organization information, and the digital currency account address are initiated by the crowdfunding described in step 101.
  • the personal ID card information, organization information, and digital currency account address are similar, and will not be described again.
  • the second information is directly included in the crowdfunding participation request, so that the public network platform can directly obtain the identity information and the subscription information of the investor after receiving the crowdfunding participation request. One or more of them can proceed to the review of the next step 105.
  • the second information may not be included in the crowdfunding request, but stored in a second block in the blockchain, and the corresponding crowdfunding participation request includes the query address and the query of the second information.
  • the key, the query address and the query key enable the public network platform to query the second block and obtain identity information and subscription information therefrom, wherein the query address may be an identifier of the second block (eg, a block number) ).
  • Step 105 Perform verification verification on the second information according to the crowdfunding participation request.
  • the public network platform is responsible for verifying and verifying the identity information of the investor to ensure the authenticity of the identity of the investor.
  • the investor is in compliance with the requirements and can proceed with the next steps.
  • the investor's credit information may be further reviewed according to the investment identity information, and the investor's investment capability information may also be reviewed.
  • the credit information and investment capability information can also be stored by blockchain technology.
  • the blockchain in which the second block is located may be the same blockchain as the blockchain in which the first block in step 101 is located, that is, the crowdfunding configuration information and the crowdfunding promoter.
  • the identity information, the crowdfunding billing information and the investor's identity information are stored in a blockchain, for example, a blockchain provided by the public network platform for storing data, the first user account and the first
  • the electronic device used by the two user accounts (and the electronic devices used by other user accounts) and the server of the public network platform may all be nodes in the same blockchain network, and have the network in the blockchain network.
  • An account address (such as a public key), each node can use its own account address in the blockchain network to write data to the blockchain.
  • the blockchain in which the first zone is located and the blockchain in which the second block is located may not be the same blockchain, for example, respectively located in the first blockchain and the second blockchain, and the first user account at this time
  • the electronic devices used by the second user account may belong to different blockchain networks, such as a first blockchain network and a second blockchain network, but the server of the public network platform should be the first block.
  • the nodes in the chain network are also the nodes in the second blockchain network (the account addresses in different blockchain networks are different), so that information can be obtained from the first blockchain or from the second zone. Get information from the blockchain.
  • Step 106 When the second information passes the verification, send a crowdfunding agreement about the first crowdfunding event to the second user account, where the crowdfunding agreement includes: one or more of the equity agreement information, the contract type information, and the liability for breach of contract information.
  • the crowdfunding agreement includes: one or more of the equity agreement information, the contract type information, and the liability for breach of contract information.
  • the equity agreement information and the contract type information are consistent with the equity agreement information, the contract type information, and the liability information for breach of contract in the above step 101 when the crowdfunding request is initiated, so reference may be made to step 101. ,No longer.
  • the second user account may feed back the confirmation information to the public network platform to indicate acceptance of the agreement.
  • Step 107 Receive confirmation information sent by the second user account for confirming acceptance of the crowdfunding agreement.
  • the investor may be deemed to have agreed to the agreement in the crowdfunding agreement, so the second user account may be paid according to the subscription amount or the number of subscribed shares in step 104.
  • the public network platform can push a payment page to the second user account, and the second user account can pay through the payment page.
  • the payment methods used in the above payment process include, but are not limited to, online banking transfer, third-party payment platform transfer, transfer via blockchain network, and the like.
  • a blockchain network dedicated to transactions can be maintained between the crowdfunding promoters, investors and the public network platform, which is recorded as the third blockchain network.
  • the corresponding electronic device of the first user account, the electronic device of the second user account, and the server of the public network platform as nodes in the third blockchain network each have an account address for trading in the third blockchain network.
  • the transaction between the nodes is realized by the blockchain corresponding to the third blockchain network, for example, the flow of funds (such as the transfer of bitcoin) caused by payment, dividend, and equity transfer.
  • Step 108 After confirming that the second user account performs payment according to the subscription information, send payment confirmation information to the second user account.
  • step 108 if payment is made by way of blockchain network transfer, the payment confirmation information may be written into the blockchain, and the blockchain written may be the third zone described in step 107.
  • the blockchain corresponding to the blockchain network.
  • FIG. 3 is a flowchart of still another blockchain-based crowdfunding information processing method according to an exemplary embodiment of the present formula, applied to a server of a public network platform, as shown in FIG. 3, the method includes:
  • Step 109 When the crowdfunding amount of the first crowdfunding event reaches the target amount, according to the crowdfunding configuration information, the identity information of the crowdfunding promoter, the crowdfunding billing information, the investor's subscription information, the investor's identity information, and the equity One or more of the contract information, the contract type information, and the liability for breach of contract to generate a crowdfunding contract.
  • the crowdfunding contract can be a smart contract
  • the corresponding step 109 can include:
  • the crowdfunding amount of the first crowdfunding event reaches the target amount, according to the crowdfunding configuration information, the identity information of the crowdfunding promoter, the crowdfunding billing information, the investor's subscription information, the investor's identity information, the equity agreement information, One or more of the contract type information and the liability for breach of contract generate a crowdfunding contract to generate a smart contract on the blockchain as the crowdfunding contract.
  • the smart contract includes: an investor's logo, equity agreement information and investment funds corresponding to the investor's logo, a crowdfunding sponsor's logo, a crowdfunding effective time, a contract time stamp, a contract encryption information, and the equity agreement information. It includes the equity share corresponding to the investment amount, the prescribed equity operation, and the trigger condition corresponding to the equity operation.
  • Step 110 Send a crowdfunding contract to the first user account, the user account corresponding to each investor, and the user account of the third-party supervision platform.
  • the crowdfunding contract can be generated according to the type of agreement agreed in the crowdfunding agreement, and the crowdfunding contract can be a general contract, and the ordinary contract can be sent to the crowdfunding promoter user account and investor through the public network platform.
  • User account and user account of the third-party supervision platform can be generated according to the type of agreement agreed in the crowdfunding agreement, and the crowdfunding contract can be a general contract, and the ordinary contract can be sent to the crowdfunding promoter user account and investor through the public network platform.
  • User account and user account of the third-party supervision platform can be generated according to the type of agreement agreed in the crowdfunding agreement, and the crowdfunding contract can be a general contract, and the ordinary contract can be sent to the crowdfunding promoter user account and investor through the public network platform.
  • the crowdfunding contract may be a smart contract, which may include: an investor's logo, equity agreement information and investment funds corresponding to the investor's logo, and the identity of the crowdfunding sponsor (eg, identity information, digital currency account) Address, etc.), crowdfunding effective time, contract timestamp, contract encryption information, equity agreement information includes equity share corresponding to the investment amount, prescribed equity operation, and trigger conditions corresponding to the equity operation.
  • the smart contract when the smart contract is generated, the smart contract can be assigned an account address in the blockchain network, since the smart contract mainly involves transactions of funds, such as equity transfer, redemption, equity dividends, and the triggering conditions.
  • the smart contract can be issued via the third blockchain network in step 107.
  • the public network platform initiates a transaction to a blockchain corresponding to the third blockchain network, the transaction including the smart contract (ie, the code of the smart contract), and the public network platform utilizing its private key to the smart contract
  • a digital signature obtained by digital signature processing (optional, in order to improve the security and effectiveness of the smart contract, it can also be co-signed by multiple accounts, for example, the private key of the crowdfunding promoter and/or investor can also be added.
  • the signature obtained by digital signature processing When the specified node in the third blockchain network (which may be all nodes or partial nodes) verifies and passes the digital signature of the transaction, the transaction is written into a new block (where new The block can be understood as the block that has just been generated and the data has not been written, or the block that has been generated before the transaction but has not yet been filled, and is notified to the third blockchain network by broadcasting. All nodes (may also be partial nodes, such as nodes that are only broadcast to crowdfunding participants. If the user accounts corresponding to the nodes in the third blockchain network are related to crowdfunding, they can be broadcast to all nodes. ), the process of completing the transaction being written into the blockchain corresponding to the third blockchain network, that is, the smart contract is written into the blockchain. Correspondingly, when the trigger condition in the smart contract is satisfied, the smart contract can be triggered to automatically perform the operations such as equity transfer, redemption, and equity dividend agreed in the contract.
  • FIG. 4 is a flow of another blockchain-based crowdfunding information processing method according to an exemplary embodiment of the present formula.
  • the figure shows a method for bill update, as shown in FIG. 4, the method may include:
  • Step 111 Receive a bill update request sent by the first user account, where the bill update request includes billing information, where the billing information includes a payment initiator identifier, a payment recipient identifier, a payment amount, a payment type, a payment time, a billing time stamp, and a bill encryption. At least one of the information.
  • the triggering condition of the bill update request may include: after the crowdfunding succeeds, the base bill is generated based on the crowdfunding contract, and the crowdfunding sponsor generates expenses (such as labor cost, operating cost, marketing cost, foreign investment, etc.), and the The crowdfunding promoters distributed dividends.
  • the first user account is triggered to initiate a bill update request to the public network platform.
  • the foregoing payment initiator identifier may include the identity information of the payment initiator, the digital currency account address, and the like, and the identifier of the payment recipient identifier is similar.
  • the billing encryption information may include a bill encryption method and a key corresponding to the bill encryption method.
  • the digital currency account address may be an account address in the blockchain network, for example, an account address in the third blockchain network described above.
  • step 112 the billing information is verified.
  • the public network platform may verify the payment initiator identifier, the payment recipient identifier, the payment amount, the payment type, the payment time, the billing time stamp, the billing encryption information, and the like in the billing information. To ensure that the billing information is true and effective. For example, it can be verified whether the payment initiator, the payment recipient's account address in the above third blockchain network is correct, whether the payment type and the amount meet the requirements of the crowdfunding contract, and the like.
  • Step 113 When the billing information passes the verification, the billing information is recorded in the third block in the blockchain.
  • Step 114 Send the query information of the third block to the user account of each investor and the user account of the third-party supervision platform.
  • the blockchain in which the third block is located may be the same blockchain as the first blockchain and the second blockchain in the foregoing, or may be independent of the first blockchain and second.
  • Another blockchain of the blockchain serves as a dedicated blockchain for capital transactions and billing updates.
  • the blockchain corresponding to the third blockchain network is recorded as a third blockchain, and the third block may be in the zone in the third blockchain. Piece.
  • the manner in which the billing information is written into the third blockchain is the same as in the smart contract write blockchain described above.
  • the public network platform initiates another transaction to the blockchain corresponding to the third blockchain network, the transaction including the billing information, and the digital signature of the billing information by the public network platform using its private key.
  • a specified node which may be all nodes or a partial node
  • the transaction is written into the third blockchain.
  • a new block and broadcast to all nodes in the third blockchain network (or some nodes, such as nodes that are only broadcast to crowdfunding participants, if in the third blockchain network)
  • the user account corresponding to the node is related to crowdfunding, and can be broadcast to all nodes), and the process of writing the bill information into the third block chain is completed, and the block written by the bill information is The target block.
  • the means for notifying all the nodes in the third blockchain network by means of broadcasting is equivalent to transmitting the third blockchain information of the target block to the second user account, the user account corresponding to each investor, and the first User account of the three-party supervision platform.
  • the third blockchain information may include a number of the target block, a number of the previous block, a generated timestamp of the target block, and a payment initiator identifier in the billing information, a payment recipient identifier, and a payment. Amount, payment type, payment time, billing time stamp, billing encryption information, etc.
  • the query information of the third block may be a block number of the third block, which may be understood as a query address of bill information, and the query information may further include a query key, so that each query information is After the investor's user account and the user account of the third-party supervision platform, the investor or the third-party supervision platform can obtain the bill information from the third block according to the query information of the third block.
  • FIG. 5 is a schematic flowchart of an information review verification method according to the embodiment shown in FIG. 1B.
  • the first information includes both crowdfunding configuration information and identity information of the crowdfunding initiator.
  • the step 102 may include the following steps:
  • Step 1021 When the crowdfunding request includes the first information, obtain the crowdfunding configuration information, the identity information of the crowdfunding initiator, and the crowdfunding billing information from the crowdfunding request; or, in the crowdfunding request, the query address including the first information and When the key is queried, the crowdfunding configuration information, the identity information of the crowdfunding initiator, and the crowdfunding billing information are obtained from the first block according to the query address and the query key.
  • Step 1022 Obtain a blockchain address and an inquiry key of the information of the crowdfunding initiator according to the identity information of the crowdfunding initiator.
  • the blockchain address and the query key of the crowdfunding promoter on the blockchain may be obtained according to the identity information of the crowdfunding initiator.
  • the blockchain may be recorded as the fourth blockchain.
  • the fourth blockchain may be the same blockchain as the first blockchain, the second blockchain, and the third blockchain described above, or may not be the same blockchain.
  • the security and maintenance authority of credit information should be limited (for example, it is usually maintained by the government, such as the maintenance of banking institutions, supervision by national regulatory authorities, and not anyone can view), so preferably, the fourth blockchain can be used to maintain the credit information independently of the first blockchain, the second blockchain, and the third blockchain as described above.
  • the credit information may include: loan records, loan repayment records, loan overdue records, credit card repayment records, credit card overdue records, asset records under the name, and the like.
  • Step 1023 Obtain, according to the blockchain address and the query key of the credit information of the crowdfunding initiator, the information of the crowdfunding promoter is obtained from the blockchain.
  • Step 1024 When the identity information of the crowdfunding initiator meets the first preset condition, the information of the crowdfunding initiator meets the second preset condition, and the identity information of the crowdfunding initiator is determined to pass the verification.
  • the first preset condition may include a threshold or requirement set for each attribute in the identity information
  • the first preset condition may include: the ID card is a second generation ID card, the photo on the ID card and the crowdfunding The sponsor matches, the ID card is within the validity period, the date of the organization certification meets the time limit requirement, the organization structure code conforms to the preset code rules, and so on.
  • the second preset condition may include, for example, an upper limit threshold for the number of loans and a ceiling limit threshold for the loan within a preset time period, a threshold for the number of times the loan is overdue within a preset time period, a threshold for the number of credit card repayments, and the like.
  • the identity information of the crowdfunding sponsor meets the conditions in the first preset condition, the identity information satisfies the first preset condition. Similarly, the items in the credit information of the crowdfunding promoter meet the first When the thresholds specified in the two preset conditions meet the second preset condition, the identity information of the crowdfunding sponsor may be verified.
  • step 1025 when the crowdfunding configuration information satisfies the third preset condition, it is determined that the crowdfunding configuration information is verified.
  • the third preset condition may also set corresponding conditions for each piece of information in the crowdfunding configuration information.
  • the third preset condition may include: a range of the crowdfunding target amount (including the upper limit and/or the lower limit), the most popular time, the relevant requirements of the equity agreement information, such as the allowable range of the equity ratio, the proportion range of the dividend, and the like. Wait.
  • the information in the crowdfunding configuration information meets the thresholds or conditions specified in the third preset condition, it is determined that the third preset condition is met, and the crowdfunding configuration information may be considered to pass the verification.
  • step 1026 when the crowdfunding billing information satisfies the fourth preset condition, it is determined that the crowdfunding billing information is verified.
  • the fourth preset condition may include: the billing query channel is valid, and the expected cost and expenditure information meets a preset range, such as an expected cost in a proportion range of the crowdfunding fund, an item allowed by the expected cost, and each item is allowed. The amount range and so on.
  • a preset range such as an expected cost in a proportion range of the crowdfunding fund, an item allowed by the expected cost, and each item is allowed. The amount range and so on.
  • step 1027 when at least one of the crowdfunding configuration information, the identity information of the crowdfunding sponsor, and the crowdfunding billing information fails to pass the verification, the crowdfunding request is rejected.
  • Step 105 is similar to the information audit verification method shown in step 102.
  • FIG. 6 is a schematic flowchart of another information audit verification method according to the embodiment shown in FIG. 2, and the implementation shown in FIG.
  • the second information includes both the identity information of the investor and the subscription information.
  • the step 105 may include the following steps:
  • Step 1051 When the crowdfunding participation request includes the second information, obtain the identity information of the investor from the crowdfunding participation request; or, when the crowdfunding participation request includes the query address and the query key of the second information, according to the query address and The query key obtains the identity information of the investor from the second block.
  • Step 1052 Obtain a blockchain address and an inquiry key of the investor's credit information according to the identity information of the investor.
  • Step 1053 Acquire, according to the blockchain address and the query key of the investor's credit information, the information of the investor obtained from the blockchain.
  • the blockchain address and the query key of the investor on the blockchain may be obtained according to the identity information of the investor.
  • the blockchain may be recorded as a fifth blockchain, and the fifth zone
  • the blockchain may be the same blockchain as the fourth blockchain and the first blockchain, the second blockchain, and the third blockchain described above, or may be independent of the blockchains.
  • a blockchain when the fifth blockchain and the fourth blockchain are in the same blockchain, that is, the credit information of the crowdfunding promoter and the investor is stored in the same blockchain (for example, the above-mentioned official The blockchain to be maintained, the public network platform has access rights), when the fifth blockchain is independent of the fourth blockchain, it may be maintained by other credit institutions (such as Alipay's ant credit, etc.) Blockchain.
  • Step 1054 When the identity information of the investor satisfies the fifth preset condition, and the credit information of the investor satisfies the sixth preset condition, determining that the identity information of the investor passes the verification.
  • step 1055 when at least one of the investor's identity information and the investor's credit information fails to pass the verification, the crowdfunding request is rejected.
  • FIG. 7 is a block diagram of a blockchain-based crowdfunding information processing apparatus, which is applied to a server of a public network platform, according to an exemplary embodiment of the present disclosure, wherein the apparatus 700 includes:
  • the receiving module 701 is configured to receive a crowdfunding request initiated by the first user account for the first crowdfunding event, where the crowdfunding request includes the first information, where the first information includes the crowdfunding configuration information, the identity information of the crowdfunding initiator, and One or more of the crowdfunding billing information, or the first information is stored in the first block in the blockchain, and the crowdfunding request includes the query address and the query key of the first information;
  • the verification module 702 is configured to perform audit verification on the first information according to the crowdfunding request;
  • the publishing module 703 is configured to release the first crowdfunding event through the public network platform when the first information passes the verification.
  • the device may further include: a sending module and a confirming module;
  • the receiving module 701 is further configured to receive a crowdfunding participation request for the first crowdfunding event sent by the second user account, where the crowdfunding participation request includes the second information, where the second information includes one of the investor's identity information and the subscription information.
  • the crowdfunding participation request includes the second information, where the second information includes one of the investor's identity information and the subscription information.
  • One or more, or the second information is stored in the second block in the blockchain, the crowdfunding participation request includes the query address and the query key of the second information, and the subscription information includes: the subscription amount or the number of subscribed shares;
  • the verification module 702 is further configured to perform verification verification on the second information according to the crowdfunding participation request;
  • a sending module configured to send a crowdfunding agreement about the first crowdfunding event to the second user account when the second information passes the verification, where the crowdfunding agreement includes: one of equity agreement information, contract type information, and liability for breach of contract Or a variety;
  • the receiving module 701 is further configured to receive, by the second user account, confirmation information for confirming acceptance of the crowdfunding protocol;
  • the confirmation module is configured to send payment confirmation information to the second user account after confirming that the second user account performs payment according to the subscription information.
  • the device may further include:
  • a contract generation module for when the crowdfunding amount of the first crowdfunding event reaches the target amount, according to the crowdfunding configuration information, the identity information of the crowdfunding promoter, the crowdfunding billing information, the investor's subscription information, and the identity of the investor One or more of information, equity agreement information, contract type information, and liability for breach of contract to generate a crowdfunding contract;
  • the device may further include:
  • the contract sending module is configured to send a crowdfunding contract to the first user account, the user account corresponding to each investor, and the user account of the third-party supervision platform.
  • the device further includes: a bill verification module, an information writing module, and a bill sending module;
  • the receiving module 701 is further configured to receive a billing update request sent by the first user account, where the billing update request includes billing information, where the billing information includes a payment initiator identifier, a payment recipient identifier, a payment amount, a payment type, a payment time, and a billing time. At least one of a stamp and billing information;
  • Bill verification module for verifying billing information
  • An information writing module configured to record billing information in a third block in the blockchain when the billing information passes the verification
  • the device may further include:
  • the bill sending module is configured to send the query information of the third block to the user account of each investor and the user account of the third-party supervision platform.
  • the verification module 702 may include:
  • a first information obtaining submodule configured to obtain crowdfunding configuration information, a crowdfunding initiator identity information, and a crowdfunding billing information from the crowdfunding request when the crowdfunding request includes the first information; or, the crowdfunding request includes the first
  • the crowdfunding configuration information includes At least one of the crowdfunding target amount, crowdfunding time, crowdfunding minimum or maximum amount of funds, equity agreement information, and contract type information
  • the identity information of the crowdfunding sponsor includes personal identification information, organization information, and digital currency accounts.
  • the crowdfunding billing information includes expected cost expenditure information and crowdfunding billing channel information;
  • a second information obtaining submodule configured to obtain a blockchain address and an inquiry key of the information of the crowdfunding initiator according to the identity information of the crowdfunding initiator;
  • the credit inquiry sub-module is configured to obtain the credit information of the crowdfunding promoter from the blockchain according to the blockchain address and the query key of the credit information of the crowdfunding promoter;
  • the identity verification sub-module is configured to: when the identity information of the crowdfunding initiator meets the first preset condition, the information of the crowdfunding initiator meets the second preset condition, and the identity information of the crowdfunding initiator is verified;
  • the configuration verification submodule is configured to: when the crowdfunding configuration information meets the third preset condition, determine that the crowdfunding configuration information is verified;
  • a bill verification sub-module configured to satisfy the fourth preset condition when the crowdfunding billing information meets, and determine that the crowdfunding billing information is verified
  • the request processing sub-module is configured to reject the crowdfunding request when at least one of the crowdfunding configuration information, the identity information of the crowdfunding sponsor, and the crowdfunding billing information has not been verified.
  • the crowdfunding billing channel information may include: an authentication information or a key for querying the crowdfunding bill, and an account address of the smart contract of the crowdfunding bill, or a trading account of the crowdfunding promoter on the blockchain network. Address and investor's trading account address on the blockchain network.
  • the second blockchain information includes: a blockchain address and an inquiry key of the identity information of the investor, and the identity information of the investor includes at least one of personal identity card information, organization information, and digital currency account address.
  • the verification module 702 may include:
  • a third information obtaining submodule configured to obtain the identity information of the investor from the crowdfunding participation request when the crowdfunding participation request includes the second information; or, the query address and the query key including the second information in the crowdfunding participation request Obtaining the identity information of the investor from the second block according to the query address and the query key;
  • a fourth information obtaining submodule configured to acquire, according to the identity information of the investor, a blockchain address and an inquiry key of the credit information of the investor on the fifth blockchain;
  • the credit query sub-module is configured to obtain the credit information of the investor from the fifth blockchain according to the blockchain address and the query key of the investor's credit information;
  • the identity verification sub-module is configured to: when the identity information of the investor meets the fifth preset condition, and the credit information of the investor satisfies the sixth preset condition, determine that the identity information of the investor is verified;
  • the request processing submodule is configured to reject the crowdfunding request when at least one of the investor's identity information and the investor's credit information fails to pass the verification.
  • the crowdfunding contract can be a smart contract, and correspondingly, the contract generating module can be used for:
  • the crowdfunding amount of the first crowdfunding event reaches the target amount, according to the crowdfunding configuration information, the identity information of the crowdfunding promoter, the crowdfunding billing information, the investor's subscription information, the investor's identity information, the equity agreement information, One or more of the contract type information and the liability for breach of contract generate a crowdfunding contract to generate a smart contract on the blockchain as a crowdfunding contract;
  • the intelligent contract includes: the investor's logo, the equity agreement information and investment funds corresponding to the investor's logo, the logo of the crowdfunding promoter, the time of the crowdfunding effective, the contract time stamp, the contract encryption information, the equity agreement information including the investment amount The corresponding equity share, the prescribed equity operation, and the trigger conditions corresponding to the equity operation.
  • the public network platform may obtain the first information from the crowdfunding request, or according to the first information.
  • the query address and the query key obtain the first information from the blockchain, and the public network platform performs audit verification on the obtained information, wherein the first information may include the crowdfunding configuration information and the crowdfunding promoter.
  • One or more of the identity information and crowdfunding billing information One or more of the identity information and crowdfunding billing information.
  • the verification of crowdfunding configuration information, the identity information of crowdfunding promoters and the crowdfunding billing information through the public network platform guarantees the authenticity of this information, and the storage of this information through blockchain technology can ensure the security of this information. Sex. Thereby ensuring the authenticity and security of the crowdfunding related information existing in the crowdfunding process.
  • FIG. 8 is a block diagram of an electronic device 800, according to an exemplary embodiment.
  • the electronic device 800 can include a processor 801, a memory 802, a multimedia component 803, an input/output (I/O) interface 804, and a communication component 805.
  • a processor 801 a memory 802
  • a multimedia component 803 a multimedia component 803
  • an input/output (I/O) interface 804 a communication component 805.
  • the processor 801 is configured to control the overall operation of the electronic device 800 to complete all or part of the above-described blockchain-based crowdfunding information processing method.
  • Memory 802 is used to store various types of data to support operations at the electronic device 800, such as may include instructions for any application or method operating on the electronic device 800, as well as application related data, For example, contact data, sent and received messages, pictures, audio, video, and so on.
  • the memory 802 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as a static random access memory (SRAM), an electrically erasable programmable read only memory ( Electrically Erasable Programmable Read-Only Memory (EEPROM), Erasable Programmable Read Only Memory (Erasable) Programmable Read-Only Memory (EPROM), Programmable Read-Only Memory (PROM), Read-Only Memory (ROM), magnetic memory, flash memory, disk or optical disk.
  • the multimedia component 803 can include a screen and audio components.
  • the screen may be, for example, a touch screen, and the audio component is used to output and/or input an audio signal.
  • the audio component can include a microphone for receiving an external audio signal.
  • the received audio signal may be further stored in memory 802 or transmitted via communication component 805.
  • the audio component also includes at least one speaker for outputting an audio signal.
  • the I/O interface 804 provides an interface between the processor 801 and other interface modules.
  • the other interface modules may be keyboards, mice, buttons, and the like. These buttons can be virtual buttons or physical buttons.
  • Communication component 805 is used for wired or wireless communication between the electronic device 800 and other devices. Wireless communication, such as Wi-Fi, Bluetooth, Near Field Communication (NFC), 2G, 3G or 4G, or a combination of one or more of them, so the corresponding communication component 805 can include: Wi-Fi module, Bluetooth module, NFC module.
  • the electronic device 800 may be configured by one or more Application Specific Integrated Circuits (ASICs), digital signal processors (Digital Signal) Processor, referred to as DSP), digital signal processing equipment (Digital Signal Processing Device (DSPD), Programmable Logic Device (PLD), Field Programmable Gate Array (FPGA), controller, microcontroller, microprocessor or other electronic components , for performing the blockchain-based crowdfunding information processing method described above.
  • ASICs Application Specific Integrated Circuits
  • DSP digital signal processors
  • DSPD Digital Signal Processing Device
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • a computer readable storage medium comprising program instructions, such as a memory 802 comprising program instructions executable by processor 801 of electronic device 800 to perform the above-described zone based Blockchain crowdfunding information processing method.
  • FIG. 9 is another electronic device according to an embodiment.
  • the electronic device 900 may be a server, and may be used as any node in the blockchain network to execute the above-mentioned blockchain-based crowdfunding information.
  • the processing method may be a single server, or a server cluster composed of several servers, or may be a cloud computing service center.
  • the apparatus 900 includes a processor 901, a memory 902, an I/O interface 903, and a network interface 904, wherein the memory 902 can be used to store instructions executable by the processor 1201, and the processor 902 can execute the instructions to Perform the above blockchain-based currency management method. Additionally, the apparatus 900 can operate based on an operating system stored in the memory 902, including but not limited to Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, and the like.

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Abstract

本公开提供一种基于区块链的众筹信息处理方法、装置、存储介质及电子设备，该方法包括：接收第一用户账号发起的针对第一众筹事件的众筹请求，众筹请求中包含第一信息，第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，或者第一信息存储在区块链中的第一区块中，众筹请求包含所述第一信息的查询地址和查询密钥；根据众筹请求对第一信息进行审核验证；当第一信息通过验证时，将第一众筹事件通过公众网络平台进行发布。能够保证这些信息的真实性，并且通过区块链技术来保证这些信息的安全性，从而能够保证众筹发起过程中的存在的众筹相关信息的真实性和安全性。

Description

基于区块链的众筹信息处理方法、装置、存储介质及电子设备 技术领域
本公开涉及互联网技术领域，尤其涉及一种基于区块链的众筹信息处理方法、装置、存储介质及电子设备。
 背景技术
公众号是自媒体时代内容盈利的有效手段，目前公众号的盈利模式包括以下几种：一、广告投放：公众号推送文章的头条、次条、尾部的广告投放，广告投放者根据粉丝数、点击量等给公众号运营主体一定数量的广告费用；二、读者打赏：在公众号的文章尾部有打赏功能，读者根据喜好给公众号运营主体打赏；三、营销商品：在公众号的文章中直接营销或代销商品，获得间接收益。但是，现有公众号的运营模式更适合“大v”账号（粉丝量十万+或百万+）的发展，初创公众号很难获得资金扶持，发展受阻。
由于现有公众号运营模式存在上述的问题，因此本公开提供了一种众筹机制，其中，在众筹发起过程中如何保证众筹相关信息的真实性和安全性，从而保证众筹的真实有效，是当前需要解决的问题。
发明内容
本公开提供一种基于区块链的众筹信息处理方法、装置、存储介质及电子设备，用于解决在公众号的众筹发起过程中的存在的众筹相关信息的真实性和安全性问题。
第一方面，提供一种基于区块链的众筹信息处理方法，应用于公众网络平台的服务器，所述方法包括：
接收第一用户账号发起的针对第一众筹事件的众筹请求，所述众筹请求中包含第一信息，所述第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，或者所述第一信息存储在区块链中的第一区块中，所述众筹请求包含所述第一信息的查询地址和查询密钥；
根据所述众筹请求对所述第一信息进行审核验证；
当所述第一信息通过验证时，将所述第一众筹事件通过所述公众网络平台进行发布。
第二方面，提供一种基于区块链的众筹信息处理装置，应用于公众网络平台的服务器，所述装置包括：
接收模块，用于接收第一用户账号发起的针对第一众筹事件的众筹请求，所述众筹请求中包含第一信息，所述第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，或者所述第一信息存储在区块链中的第一区块中，所述众筹请求包含所述第一信息的查询地址和查询密钥；
验证模块，用于根据所述众筹请求对所述第一信息进行审核验证；
公布模块，用于当所述第一信息通过验证时，将所述第一众筹事件通过所述公众网络平台进行发布。
第三方面，提供一种计算机可读存储介质，所述计算机可读存储介质中包括一个或多个程序，所述一个或多个程序用于执行第一方面所述的方法。
第四方面，提供一种电子设备，包括：第三方面所述的计算机可读存储介质；以及一个或者多个处理器，用于执行所述计算机可读存储介质中的程序。
本公开通过上述技术方案，公众网络平台在接收第一用户账号发起的针对第一众筹事件的众筹请求之后，公众网络平台可以从众筹请求中获取第一信息，或根据该第一信息的查询地址和查询密钥从区块链中来获取该第一信息，并由公众网络平台对获取到的信息进行审核验证，其中该第一信息可以包括上述的众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种。通过公众网络平台对众筹配置信息、众筹发起人的身份信息和众筹账单信息的审核验证保证能够保证这些信息的真实性，并且通过区块链技术来存储这些信息能够保证这些信息的安全性。从而能够保证众筹发起过程中的存在的众筹相关信息的真实性和安全性。
 附图说明
图1A本公开提供的一种区块链网络的结构示意图；
图1B是根据本公开一示例性实施例示出的一种基于区块链的众筹信息处理方法的流程图；
图2是根据本公开一示例性实施例示出的另一种基于区块链的众筹信息处理方法的流程图；
图3是根据本公式一示例性实施例示出的又一种基于区块链的众筹信息处理方法的流程图；
图4是根据本公式一示例性实施例示出的又一种基于区块链的众筹信息处理方法的流程图；
图5是根据图1B所示实施例示出的一种信息审核验证方法的流程示意图；
图6是根据图2所示实施例示出的另一种信息审核验证方法的流程示意图；
图7是根据本公开一示例性实施例示出的一种基于区块链的众筹信息处理装置的框图；
图8是根据一示例性实施例示出的一种电子设备的框图；
图9是根据一示例性实施例示出的另一种电子设备的框图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本公开相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本公开的一些方面相一致的装置和方法的例子。
在介绍本公开提供的基于区块链的众筹信息处理方法之前，首先对本公开各个实施例所涉及应用场景进行介绍。本公开各个实施例涉及基于公众号的众筹发起、实施的场景。本公开中涉及的公众号包括但不限于：微信公众号、微博公众号或者其他提供公众号的公众网络平台上的公众号，本公开各个实施例中所涉及的公众网络平可以理解为公众号的网络服务提供商（例如微信、微博）。本公开各个实施例中所涉及的用户账号可以理解为该公众网络平台中的账号，例如众筹发起人在微信平台中的用于发起众筹的公众账号，或者众筹投资人在微信平台中的公众账号（如果是个人投资人也可以是该投资人在微信平台中的私人账号）。公众网络平台的服务器可以是为公众网络平台中的各个账号提供管理、交易、信息存储、数据处理等服务的服务器，该服务器可以是单个服务器，或者是由多个服务器组成的服务器集群，或者可以是一个云计算服务中心。
其中，在本公开各个实施例中，众筹发起人的公众账号所使用的电子设备（例如可以是移动设备、电脑等），众筹投资人的用户账号所使用的电子设备（例如可以是移动设备、电脑等）、这些用户账号所属公众网络平台的服务器，以及第三方监管平台所使用的电子设备（例如可以是移动设备、电脑等，也可以是服务器）可以位于同一个区块链网络中，上述的每个电子设备或服务器都可以是该区块链网络中的一个节点，每个节点在该区块链网络中都具有与自己身份所对应的账户（或称为账户地址，该账户与公众网络平台中的用户账号不是一个概念，该账户通常是该节点在区块链网络中的公钥），各个节点之间共同维护一个或多个区块链。因此，在本公开各个实施例中所涉及的各个区块链可以为同一个区块链为各个节点所共有，也可是不同的区块链，例如上述区块链网络中的部分节点维护的非公开区块链。例如，图1A本公开提供的一种区块链网络的结构示意图，如图1A所示，在一个区块链网络中，可以包含多个节点，每个节点可以是智能终端1、电脑2或者服务器3，每个节点上可以拥有一个公众网络平台的用户账号，例如微信号，每个节点还拥有各自在图1A所示的区块链网络中的账户地址，用于表示该节点在区块链网络中的身份，这些节点共同维护图1A中所示的区块链。
下面对本公开各个实施例中所涉及的区块链技术进行介绍。区块链是由区块链网络中所有节点共同参与维护的去中心化分布式数据库系统，它是由一系列基于密码学方法产生的数据块组成，每个数据块即为区块链中的一个区块。根据产生时间的先后顺序，区块被有序地链接在一起，形成一个数据链条，被形象地称为区块链（BlockChain）。下面对区块链网络的一些概念进行介绍。
区块链网络中的节点可以称为区块链节点，其中区块链网络基于P2P网络，每个参与交易和区块存储、验证、转发的P2P（Peer to Peer，对等网络）网络节点都是一个区块链网络中的节点。
区块链网络中的用户身份使用公钥表示，并且公钥和私钥是成对出现的，上述公钥所对应的私钥由用户掌握而不发布到网络，公钥可以通过特定的哈希和编码后成为“地址”，该“地址”可以理解为一个账户，代表了其对应的用户，并可随意发布在区块链网络中。用户身份和区块链节点不存在一一对应关系，用户可以在任意一个区块链节点上使用自己的私钥。通常意义上，在区块链的形成过程中，每一个参与计算的节点均享有相同的权限（去中心、无信任），其中包括交易（Transaction），计算区块（俗称挖矿，即mining）等核心功能。
其中，交易代表将被写入区块的数据，而区块（Block）则采用特定生成机制，保证最长的链（最长的链包含最多前后关联的区块）为有效链。在交易的数据中，通常包括了一定属性或货币，比如交易拥有者的数字签名（即拥有者的私钥对其交易进行加密处理，通常意义上称为数字签名），交易接受者的账户地址等，在该交易通过了对拥有者数字签名的验证，并被写入区块后，即将该货币的所有权转移到接受者一方。
关于区块链的数据写入区块的过程，是由区块链节点通过向区块链网络发布交易（Transaction）实现向区块链写入数据。该交易包括：区块链节点按照预设的交易数据格式对生成的交易数据包，以及利用该区块链节点自己的私钥对该交易数据包进行的数字签名，该数字签名用于证明该区块链节点的用户的身份。而后，该交易被区块链网络中的“矿工”（即执行PoW共识竞争机制的区块链节点）记录入区块链中产生的新区块，并将该交易发布到区块链网络中，在该交易被其他区块链节点验证通过（其他节点可以从该区块链节点生成的交易中获取该区块链节点的公钥，并根据该区块链节点的公钥对上述的数字签名进行验证，除了验证数字签名之外还可以验证交易数据包是否为规定的数据结构）和接受后，该交易即被写入区块链。其中，区块链中的新区块是由上述的“矿工”通过执行PoW共识竞争机制（该机制可以理解为：各个“矿工”按照区块的预设技术要求，例如按照预设的随机数要求来共同计算随机数，哪一个“矿工”先计算出符合该随机数要求的随机数，该“矿工”产生的区块就作为该新区块）而定期产生的。下面对本公开提供的基于区块链的众筹信息处理方法进行说明。
图1B是根据本公开一示例性实施例示出的一种基于区块链的众筹信息处理方法的流程图，应用于公众网络平台的服务器，如图1B所示，该方法包括：
步骤101，接收第一用户账号发起的针对第一众筹事件的众筹请求，众筹请求中包含第一信息，第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，或者第一信息存储在区块链中的第一区块中，众筹请求包含所述第一信息的查询地址和查询密钥。
示例的，该第一用户账号可以是众筹发起人在该公众网络平台运营的公众号，例如该公众网络平台为微信时，该公众号就是微信公众号，或者该公众网络平台为微博时，该公众号就是微博公众号。相应的，该众筹发起人可以是该公众号的管理人员，例如单位的法人等等。
其中，该众筹配置信息可以包括众筹目标金额、众筹时间、众筹最低或最高认筹金额、股权约定信息和合约类型信息中的至少一者，其中：
众筹目标金额为：此次众筹目标募集的资金额度，该众筹目标金额可以为实体货币、电子货币或数字货币中的一种或多种货币类型的额度。众筹时间包含：众筹发起时间及结束时间。众筹最低或最高认筹金额为：参与众筹的最低或最高投资金额。股权约定信息包括以下中的一种或多种：众筹目标金额对应的股权比例、股权分红周期、股权分红预期比例、股权对应的权利性质（例如是否具有投票权）、股权是否可以在预定触发条件下进行转让或赎回等股权操作、以及这些股权操作的预定触发条件。合约类型包括：普通合约或智能合约（Smart Contract），智能合约是一种基于区块链技术的合约，该智能合约可以写在指定的区块链上，当满足智能合约中预先配置的触发条件时，该智能合约可以自动触发进行股权转让、赎回、股权分红等操作。另外，智能合约实际上是存储在区块链上的可执行代码，不具有严格意义上的账户地址，因为其不一定设有实际拥有人，但其特性和行为在很多情况下能够被看作是一种受编程逻辑控制的机器账户。
该众筹发起人的身份信息可以包括：包括个人身份证信息、组织信息、数字货币账户地址中的至少一者。其中个人身份证信息例如身份证、护照、军官证、驾照等等。组织信息例如组织机构代码、组织证明等。其中，数字货币账户地址可以是银行账户、第三方交易平台账户、虚拟货币账户等等。
该众筹账单信息包括账单查询渠道和/或预期成本开支信息。其中，众筹账单查询渠道可包括：众筹账单对应的网址或查询入口，或者以及众筹账单的智能合约的账户地址，或众筹发起人在区块链网络上的交易账户地址和投资人在区块链网络上的交易账户地址（例如，该地址可以是众筹发起人从该公众网络平台或第三方接收货币的输入地址，以及众筹发起人支付开支的输出地址）。可选的，众筹账单查询渠道还可以包括：供众筹参与人（例如投资人、第三方监管平台等）查询众筹账单的鉴权信息或密钥等。预期成本开支信息可以包括：预期成本占众筹资金的比例、预期成本开支所包含的条目及金额等信息。
其中，该众筹请求中可以直接包含该第一信息，从而公众网络平台在接收到该众筹请求后，就可以直接获取到众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，进而可以进入下一步骤的审核。或者，该第一信息也可以不包含在该众筹请求中，而是存储在区块链中的第一区块中，相应的该众筹请求中包含该第一信息的查询地址和查询密钥，该查询地址和查询密钥能够使公众网络平台查询到该第一区块并从中获取众筹配置信息、众筹发起人的身份信息和众筹账单信息，其中，该查询地址可以是该第一区块的标识（例如区块编号）。
步骤102，根据众筹请求对第一信息进行审核验证。
其中，公众网络平台在根据众筹请求获取到该众筹配置信息、众筹发起人的身份信息和众筹账单信息之后，负责对众筹配置信息、众筹发起人的身份信息和众筹账单信息进行审核，以保证本次众筹请求的真实有效。例如，可以验证众筹配置信息是否符合规定，众筹发起人的身份信息是否真实以及验证众筹账单信息是否真实等等。当上述信息均通过审核验证后，说明本次发起的众筹事件是符合规定，可以进行步骤103进行公布。另外在上述审核过程中，还可以根据众筹发起人的身份信息对该众筹发起人的征信信息进行进一步的审核，其中该征信信息也可以通过区块链技术进行存储。
步骤103，当第一信息通过验证时，将第一众筹事件通过所述公众网络平台进行发布。
另外，当众筹配置信息、众筹发起人的身份信息和众筹账单信息中有至少一者没有通过验证时，应当拒绝该众筹请求。
本公开提供的上述众筹流程能够避免公众号在发展初期由于关注用户（俗称粉丝）数量少，推广速度较慢导致的资金短缺的问题，帮助这些公众号获得资金支持。并且本公开所提供的上述技术方案中，通过区块链技术能够保证众筹相关信息的真实性和安全性。
下面对投资人参与众筹的流程进行说明，图2是根据本公开一示例性实施例示出的另一种基于区块链的众筹信息处理方法的流程图，应用于公众网络平台的服务器，如图2所示，该方法包括：
步骤104，接收第二用户账号发送的针对第一众筹事件的众筹参与请求，众筹参与请求包含第二信息，第二信息包括投资人的身份信息、认购信息中的一种或多种，或者第二信息存储在区块链中的第二区块中，众筹参与请求包括第二信息的查询地址和查询秘钥，认购信息包括：认购金额或者认购股权数量。
其中，该第二用户账号，可以是投资人在该公众网络平台运营的公众号或者个人账号，例如该公众网络平台为微信时，该公众号就是微信公众号或个人微信号，或者该公众网络平台为微博时，该公众号就是微博公众号或个人微博账号。投资人的身份信息可以包括：个人身份证信息、组织信息、数字货币账户地址中的至少一者，其中个人身份证信息、组织信息、数字货币账户地址中与步骤101中所述的众筹发起人的个人身份证信息、组织信息、数字货币账户地址类似，不再赘述。
其中，与第一信息类似，该众筹参与请求中可以直接包含该第二信息，从而公众网络平台在接收到该众筹参与请求后，就可以直接获取到投资人的身份信息、认购信息中的一种或多种，进而可以进入下一步骤105的审核。或者，该第二信息也可以不包含在该众筹请求中，而是存储在区块链中的第二区块中，相应的该众筹参与请求中包含该第二信息的查询地址和查询密钥，该查询地址和查询密钥能够使公众网络平台查询到该第二区块并从中获取身份信息、认购信息，其中，该查询地址可以是该第二区块的标识（例如区块编号）。
步骤105，根据众筹参与请求对第二信息进行审核验证。
示例的，公众网络平台在根据众筹参与请求获取投资人的身份信息后，负责对投资人的身份信息进行审核验证，以保证投资人身份的真实性当投资人的身份信息通过审核验证后，说明投资人是符合要求的，可以进行后续步骤。另外，在上述的审核过程中，还可以根据投资的身份信息对该投资人的征信信息进行进一步的审核，并且还可以对该投资人的投资能力信息进行审核。其中该征信信息和投资能力信息也可以通过区块链技术进行存储。
另外，需要说明的是，上述的第二区块所在的区块链与步骤101中的第一区块所在的区块链可以是同一条区块链，即将众筹配置信息、众筹发起人的身份信息、众筹账单信息和投资人的身份信息存储在一条区块链上，例如是该公众网络平台所提供的一条专门用于存储数据的区块链，该第一用户账号和该第二用户账号所使用的电子设备（还有其他各个用户账号所使用的电子设备）以及该公众网络平台的服务器都可以是同一个区块链网络中的一个节点，拥有该区块链网络中的一个账户地址（例如公钥），每个节点都可以使用自己在该区块链网络中的账户地址来向该区块链中写入数据。或者，该第一区所在区块链与第二区块所在的区块链可以不是同一个区块链，例如分别位于第一区块链和第二区块链，此时该第一用户账号和该第二用户账号所使用的电子设备可以分别属于不同的区块链网路，例如第一区块链网络和第二区块链网络，但是该公众网络平台的服务器应该既是第一区块链网络中的节点，又是第二区块链网络中的节点（在不同区块链网络中的账户地址不同），从而即可以从第一区块链中获取信息，也可以从第二区块链中获取信息。
步骤106，当第二信息通过验证时，向第二用户账号发送关于第一众筹事件的众筹协议，众筹协议包括：股权约定信息、合约类型信息和违约责任信息中的一种或多种。
其中，示例性的，该股权约定信息和合约类型信息与上述步骤101中的，在发起众筹请求时所提出的股权约定信息、合约类型信息和违约责任信息是一致的，因此可以参考步骤101，不再赘述。在第二用户账号的用户，即该投资人同意该众筹协议中的约定时，可以通过该第二用户账号向该公众网络平台反馈确认信息，以表示接受协议。
步骤107，接收第二用户账号发送的用于确认接受众筹协议的确认信息。
当公众网络平台接收到第二用户账号发送的确认信息后，可以认为该投资人已经同意众筹协议中的约定，因此可以由第二用户账号按照步骤104中的认购金额或者认购股权数量进行支付。示例的，该公众网络平台可以向该第二用户账号推送支付页面，该第二用户账号可以通过该支付页面进行支付。其中，上述支付过程中所采用的支付方式包括但不限于：网银转账、第三方支付平台转账、通过区块链网络转账等等。
其中，如果是采用区块链网络转账的支付方式，则众筹发起人、投资人和公众网络平台之间还可以维护一个专用于交易的区块链网，记为第三区块链网络，相应的该第一用户账号的电子设备、第二用户账号的电子设备以及公众网络平台的服务器作为该第三区块链网络中的节点，均具有在第三区块链网络进行交易的账户地址，通过该第三区块链网络对应的区块链实现各个节点之间的交易，例如由支付、分红、股权转移引起的资金流动（比如比特币的转移）。
步骤108，在确认第二用户账号按照认购信息进行支付后，向第二用户账号发送支付确认信息。
示例的，在步骤108，如果采用区块链网络转账的方式进行支付，则该支付确认信息可以写入区块链中，其写入的区块链可以是步骤107中所述的第三区块链网络对应的区块链。
通过上述步骤104-108所述的流程，该公众网络平台上的任一用户账号都可以参与到众筹的过程中，当众筹的金额达到目标金额时，则可以进行图3所示的方法，图3是根据本公式一示例性实施例示出的又一种基于区块链的众筹信息处理方法的流程图，应用于公众网络平台的服务器，如图3所示，该方法包括：
步骤109，当第一众筹事件的众筹金额达到目标金额时，根据众筹配置信息、众筹发起人的身份信息、众筹账单信息、投资人的认购信息、投资人的身份信息、股权约定信息、合约类型信息、违约责任信息中的一种或多种生成众筹合约。
示例的，该众筹合约可以为智能合约，相应的步骤109可以包括：
当第一众筹事件的众筹金额达到目标金额时，根据众筹配置信息、众筹发起人的身份信息、众筹账单信息、投资人的认购信息、投资人的身份信息、股权约定信息、合约类型信息、违约责任信息中的一种或多种生成众筹合约在区块链上生成智能合约作为该众筹合约。
其中，该智能合约包括：投资人的标识、与投资人的标识对应的股权约定信息和投资资金、众筹发起人的标识、众筹生效时间、合约时间戳、合约加密信息，该股权约定信息包括与投资金额对应的股权份额、规定的股权操作和与股权操作对应的触发条件。
步骤110，向第一用户账号、每个投资人对应的用户账号，以及第三方监管平台的用户账号发送众筹合约。
示例的，可以按照众筹协议中所约定的协议类型生成该众筹合约，该众筹合约可以是普通合约，该普通合约可以通过该公众网络平台发送给众筹发起人的用户账号、投资人的用户账号以及第三方监管平台的用户账号。
或者，该众筹合约可以是智能合约，该智能合约可以包括：投资人的标识、与投资人的标识对应的股权约定信息和投资资金、众筹发起人的标识（如身份信息、数字货币账户地址等）、众筹生效时间、合约时间戳、合约加密信息，股权约定信息包括与投资金额对应的股权份额、规定的股权操作和与所述股权操作对应的触发条件。
相应的在生成该智能合约时，可以为该智能合约分配区块链网络中的账户地址，由于智能合约主要涉及资金的交易，比如股权转让、赎回、股权分红等操作以及触发条件。因此示例性的，可以将该智能合约通过步骤107中的第三区块链网络来进行发布。例如，该公众网络平台向第三区块链网络对应的区块链发起一个交易，该交易中包含该智能合约（即智能合约的代码），以及该公众网络平台利用自己的私钥对智能合约进行数字签名处理得到的一个数字签名（可选择，为了提高智能合约的安全性和有效性，也可以由多个账户共同签名，比如还可以加上众筹发起人和/或投资人的私钥进行数字签名处理得到的签名）。当第三区块链网络中的指定节点（可以是全部节点，也可以是部分节点）对该交易的数字签名进行验证并通过后，将该交易写入一个新的区块中（其中，新的区块可以理解为刚刚生成的还未写入数据的区块，也可以是在该交易之前已经生成但是还未写满的区块），并通过广播的方式告知第三区块链网络中的所有节点（也可以是部分节点，例如只广播给众筹的参与人员的节点，如果第三区块链网络中的节点对应的用户账号都是与众筹有关的，则可以广播给所有节点），至此完成该交易被写入该第三区块链网络对应的区块链中的过程，即该智能合约被写入该区块链中。相应的，当智能合约中的触发条件满足时，可以触发该智能合约自动地进行合约中约定的股权转让、赎回、股权分红等操作。
除了上述流程外，本公开提供的方法中还包括，对众筹账单的更新方法，图4是根据本公式一示例性实施例示出的又一种基于区块链的众筹信息处理方法的流程图，示出了一种账单更新的方法，如图4所示，所述方法可以包括：
步骤111，接收第一用户账号发送的账单更新请求，账单更新请求中包含账单信息，账单信息包含支付发起人标识、支付接收人标识、支付金额、支付类型、支付时间、账单时间戳和账单加密信息中的至少一者。
其中，账单更新请求的触发条件可以包括：众筹成功后需要以众筹合约为基础生成基础账单，众筹发起人产生支出（例如人工成本、运营成本、营销成本、对外投资等），以及该众筹发起人派发分红。当满足以上的触发条件时，会触发该第一用户账号向该公众网络平台发起账单更新请求。
其中，上述的支付发起人标识可以包括支付发起人的身份信息、数字货币账户地址等，支付接收人标识的标识同理。该账单加密信息可以包括账单加密方式以及与账单加密方式对应的密钥。其中，如果支付方式采用的是区块链技术，则该数字货币账户地址可以是区块链网络中的账户地址，例如是上述的第三区块链网络中的账户地址。
步骤112，对账单信息进行校验。
该公众网络平台在获取该账单信息后，可以对该账单信息中的支付发起人标识，支付接收人标识，支付金额，支付类型，支付时间，账单时间戳、账单加密信息等信息进行校验，以保证账单信息的真实有效。例如，可以验证账单信息中的支付发起人、支付接收人在上述第三区块链网络中的账户地址是否正确，判断支付类型和金额是否符合众筹合约的规定，等等。
步骤113，当账单信息通过校验时，将账单信息记录在区块链中的第三区块中。
步骤114，将第三区块的查询信息发送至每个投资人的用户账号，以及第三方监管平台的用户账号。
示例性的，该第三区块所在的区块链与前文的第一区块链、第二区块链可以为同一个区块链，或者也可以为独立于第一区块链、第二区块链的另一条区块链，作为用于资金交易、账单更新的专属区块链。以通过上述的第三区块链网络为例，这里将第三区块链网络对应的区块链记为第三区块链，该第三区块可以在该第三区块链中的区块。该账单信息写入该第三区块链中的方式与上文所述的智能合约写入区块链中的方式相同。
该公众网络平台向第三区块链网络对应的区块链发起另一个交易，该交易中包含该账单信息，以及该公众网络平台利用自己的私钥对账单信息的一个数字签名。当第三区块链网络中的指定节点（可以是全部节点，也可以是部分节点）对该交易的数字签名进行验证并通过后，该交易就被写入到该第三区块链中的一个新的区块中，并通过广播的方式告知第三区块链网络中的所有节点（也可以是部分节点，例如只广播给众筹的参与人员的节点，如果第三区块链网络中的节点对应的用户账号都是与众筹有关的，则可以广播给所有节点），至此完成该账单信息被写入该第三区块链中的过程，该账单信息所写入的区块就是该目标区块。其中，通过广播的方式告知第三区块链网络中的所有节点就相当于是将目标区块第三区块链信息发送给了该第二用户账号、每个投资人对应的用户账号，以及第三方监管平台的用户账号。其中该第三区块链信息可以包括该目标区块的编号，前一区块的编号，该目标区块的生成时间戳，以及该账单信息中的支付发起人标识，支付接收人标识，支付金额，支付类型，支付时间，账单时间戳、账单加密信息等信息。
另外，该第三区块的查询信息可以是该第三区块的区块编号，其可以理解为账单信息的查询地址，并且该查询信息还可以包括查询秘钥，从而在将查询信息每个投资人的用户账号，以及第三方监管平台的用户账号后，投资人或者第三方监管平台即可根据该第三区块的查询信息从该第三区块中获取账单信息。
通过上述的步骤101至114，提供了一种基于区块链的利用公众号进行众筹的发起、审核，到众筹合约发布以及执行流程，相比目前的公众号通过打赏来获取资金的方式相比，能够避免公众号在发展初期由于关注用户数量少，推广速度较慢导致的资金短缺的问题，帮助这些公众号获得资金支持。其中，本公开所提供的上述技术方案中，由于众筹过程中的相关信息的存储、读取、众筹合约的生成，以及众筹合约的执行均基于区块链技术来实现，因此能够来保证众筹相关信息的真实性和安全性。下面，对上述流程中公众网络平台对于信息审核验证的详细流程进行进一步说明。
图5是根据图1B所示实施例示出的一种信息审核验证方法的流程示意图，在图5所示的实施例中，以第一信息同时包含众筹配置信息、众筹发起人的身份信息和众筹账单信息为例，如图5所示，该步骤102可以包括以下步骤：
步骤1021，在众筹请求包含第一信息时，从众筹请求中获取众筹配置信息、众筹发起人的身份信息和众筹账单信息；或者，在众筹请求包含第一信息的查询地址和查询密钥时，根据查询地址和查询密钥从第一区块中获取所述众筹配置信息、众筹发起人的身份信息和众筹账单信息。
步骤1022，根据众筹发起人的身份信息，获取众筹发起人的征信信息的区块链地址和查询密钥。
其中，示例性的，可以根据众筹发起人的身份信息获取众筹发起人在区块链上的区块链地址和查询密钥，示例的，该区块链可以记为第四区块链，该第四区块链与前文所述的第一区块链、第二区块链、第三区块链可以是同一区块链，也可以不是同一区块链。特别是由于征信信息的特殊性和重要意义，因此征信信息的安全性和维护权限都应当有一定限制（例如通常由官方来维护，比如银行机构来维护、国家监管部门来监管，并且并非任何人都可以查看），因此优选的，该第四区块链可以独立于前文所述的第一区块链、第二区块链、第三区块链，作为专门用于维护征信信息的区块链。其中，征信信息可以包括：贷款记录，贷款还款记录，贷款逾期记录，信用卡还款记录，信用卡逾期记录，名下的资产记录等等。
步骤1023，根据众筹发起人的征信信息的区块链地址和查询密钥获取从区块链上获取众筹发起人的征信信息。
步骤1024，当众筹发起人的身份信息满足第一预设条件，众筹发起人的征信信息满足第二预设条件，确定众筹发起人的身份信息通过验证。
示例性的，该第一预设条件可以包含针对身份信息中各项属性设置的阈值或者要求，例如第一预设条件可以包括：身份证为二代身份证，身份证上的照片与众筹发起人相符，身份证在有效期内，组织证明的日期符合时限要求，组织结构代码符合预设代码规则等等。该第二预设条件，例如可以包括：在预设时间段内贷款的次数上限阈值及贷款额度上限阈值，预设时间段内贷款逾期次数阈值，信用卡还款逾期次数阈值等等。当众筹发起人的身份信息满足上述第一预设条件中的各项条件时，身份信息就满足该第一预设条件，同理，众筹发起人的征信信息中的各项符合该第二预设条件中所规定的各项阈值时，满足第二预设条件，此时可以认为众筹发起人的身份信息通过验证。
步骤1025，当众筹配置信息满足第三预设条件，确定众筹配置信息通过验证。
示例的，与上述的第一预设条件、第二预设条件类似，该第三预设条件中也可以针对众筹配置信息中的各项信息设置相应的条件。例如，第三预设条件可以包括：众筹目标金额的范围（包含金额上限和/或下限），最大众筹时间，股权约定信息的相关要求，比如股权比例的允许范围，分红的比例范围等等。当众筹配置信息中的各项信息符合该第三预设条件中所规定的各项阈值或条件时，确定满足该第三预设条件，此时可以认为众筹配置信息通过验证。
步骤1026，当众筹账单信息满足第四预设条件，确定众筹账单信息通过验证。
示例的，该第四预设条件可以包括：账单查询渠道有效，预期成本开支信息符合预设范围，比如预期成本占众筹资金的比例范围，预期成本开支所允许的条目，以及各个条目所允许的金额范围等等。当众筹账单信息中的各项信息符合该第四预设条件中所规定的各项阈值或条件时，确定满足该第四预设条件，此时可以认为众筹账单信息通过验证。
步骤1027，当众筹配置信息、众筹发起人的身份信息，以及众筹账单信息中有至少一者未通过验证时，拒绝众筹请求。
步骤105与步骤102中所示的信息审核验证方法相似，如图6所示，图6是根据图2所示实施例示出的另一种信息审核验证方法的流程示意图，图6所示的实施例中以第二信息中同时包含投资人的身份信息和认购信息为例，该步骤105可以包括以下步骤：
步骤1051，在众筹参与请求包含第二信息时，从众筹参与请求中获取投资人的身份信息；或者，在众筹参与请求包括第二信息的查询地址和查询秘钥时，根据查询地址和查询秘钥从第二区块中获取投资人的身份信息。
步骤1052，根据投资人的身份信息获取投资人的征信信息的区块链地址和查询密钥。
步骤1053，根据投资人的征信信息的区块链地址和查询密钥获取从区块链上获取投资人的征信信息。
其中，示例的，可以根据投资人的身份信息获取投资人在区块链上的区块链地址和查询密钥，示例的，该区块链可以记为第五区块链，该第五区块链可以与该第四区块链以及前文所述的第一区块链、第二区块链、第三区块链为同一区块链，也可以是独立于这些区块链之外的一个区块链。例如，当第五区块链与该第四区块链为同一区块链时，也即该众筹发起人和投资人的征信信息存储在同一条区块链上（例如上述的由官方来维护的区块链，该公众网络平台具有访问权），当第五区块链独立于该第四区块链时，则可以是一条由其他信用机构（例如支付宝的蚂蚁信用等）维护的区块链。
步骤1054，当投资人的身份信息满足第五预设条件，且投资人的征信信息满足第六预设条件时，确定投资人的身份信息通过验证。
其中，该第六预设条件可以参照上述的步骤1024中的第二预设条件，不再赘述。
步骤1055，当投资人的身份信息和投资人的征信信息中至少一者未通过验证时，拒绝众筹请求。
图7是根据本公开一示例性实施例示出的一种基于区块链的众筹信息处理装置的框图，应用于公众网络平台的服务器，其特征在于，该装置700包括：
接收模块701，用于接收第一用户账号发起的针对第一众筹事件的众筹请求，众筹请求中包含第一信息，第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，或者第一信息存储在区块链中的第一区块中，众筹请求包含第一信息的查询地址和查询密钥；
验证模块702，用于根据众筹请求对第一信息进行审核验证；
公布模块703，用于当第一信息通过验证时，将第一众筹事件通过公众网络平台进行发布。
可选的，该装置还可以包括：发送模块和确认模块；
接收模块701，还用于接收第二用户账号发送的针对第一众筹事件的众筹参与请求，众筹参与请求包含第二信息，第二信息包括投资人的身份信息、认购信息中的一种或多种，或者第二信息存储在区块链中的第二区块中，众筹参与请求包括第二信息的查询地址和查询秘钥，认购信息包括：认购金额或者认购股权数量；
验证模块702，还用于根据众筹参与请求对第二信息进行审核验证；
发送模块，用于当第二信息通过验证时，向第二用户账号发送关于第一众筹事件的众筹协议，众筹协议包括：股权约定信息、合约类型信息和违约责任信息中的一种或多种；
接收模块701，还用于接收第二用户账号发送的用于确认接受众筹协议的确认信息；
确认模块，用于在确认第二用户账号按照认购信息进行支付后，向第二用户账号发送支付确认信息。
可选的，该装置还可以包括：
合约生成模块，用于当第一众筹事件的众筹金额达到目标金额时，根据众筹配置信息、众筹发起人的身份信息、众筹账单信息、投资人的认购信息、投资人的身份信息、股权约定信息、合约类型信息、违约责任信息中的一种或多种生成众筹合约；
可选的，该装置还可以包括：
合约发送模块，用于向第一用户账号、每个投资人对应的用户账号，以及第三方监管平台的用户账号发送众筹合约。
可选的，该装置还包括：账单校验模块，信息写入模块，以及账单发送模块；
接收模块701，还用于接收第一用户账号发送的账单更新请求，账单更新请求中包含账单信息，账单信息包含支付发起人标识、支付接收人标识、支付金额、支付类型、支付时间、账单时间戳和账单加密信息中的至少一者；
账单校验模块，用于对账单信息进行校验；
信息写入模块，用于当账单信息通过校验时，将账单信息记录在区块链中的第三区块中；
可选的，该装置还可以包括：
账单发送模块，用于将第三区块的查询信息发送至每个投资人的用户账号，以及第三方监管平台的用户账号。
可选的，第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息时，相应的，验证模块702，可以包括：
第一信息获取子模块，用于在众筹请求包含第一信息时，从众筹请求中获取众筹配置信息、众筹发起人的身份信息和众筹账单信息；或者，在众筹请求包含第一信息的查询地址和查询密钥时，根据查询地址和查询密钥从第一区块中获取众筹配置信息、众筹发起人的身份信息和众筹账单信息，其中，众筹配置信息包括众筹目标金额、众筹时间、众筹最低或最高认筹金额、股权约定信息和合约类型信息中的至少一者，众筹发起人的身份信息包括个人身份证信息、组织信息、数字货币账户地址中的至少一者，众筹账单信息包括预期成本开支信息和众筹账单查询渠道信息；
第二信息获取子模块，用于根据众筹发起人的身份信息，获取众筹发起人的征信信息的区块链地址和查询密钥；
征信查询子模块，用于根据众筹发起人的征信信息的区块链地址和查询密钥获取从区块链上获取众筹发起人的征信信息；
身份验证子模块，用于当众筹发起人的身份信息满足第一预设条件，众筹发起人的征信信息满足第二预设条件，确定众筹发起人的身份信息通过验证；
配置验证子模块，用于当众筹配置信息满足第三预设条件，确定众筹配置信息通过验证；
账单验证子模块，用于当众筹账单信息满足第四预设条件，确定众筹账单信息通过验证；
请求处理子模块，用于当众筹配置信息、众筹发起人的身份信息，以及众筹账单信息中有至少一者未通过验证时，拒绝众筹请求。
其中，众筹账单查询渠道信息可以包括：用于查询众筹账单的鉴权信息或密钥，以及众筹账单的智能合约的账户地址，或众筹发起人在区块链网络上的交易账户地址和投资人在区块链网络上的交易账户地址。
可选的，第二区块链信息包括：投资人的身份信息的区块链地址和查询密钥，投资人的身份信息包括：个人身份证信息、组织信息、数字货币账户地址中的至少一者，第二信息中包含投资人的身份信息时，相应的，验证模块702，可以包括：
第三信息获取子模块，用于在众筹参与请求包含第二信息时，从众筹参与请求中获取投资人的身份信息；或者，在众筹参与请求包括第二信息的查询地址和查询秘钥时，根据查询地址和查询秘钥从第二区块中获取投资人的身份信息；
第四信息获取子模块，用于根据投资人的身份信息获取在第五区块链上的投资人的征信信息的区块链地址和查询密钥；
征信查询子模块，用于根据投资人的征信信息的区块链地址和查询密钥获取从第五区块链上获取投资人的征信信息；
身份验证子模块，用于当投资人的身份信息满足第五预设条件，且投资人的征信信息满足第六预设条件时，确定投资人的身份信息通过验证；
请求处理子模块，用于当投资人的身份信息和投资人的征信信息中至少一者未通过验证时，拒绝众筹请求。
可选的，该众筹合约可以为智能合约，相应的，该合约生成模块，可以用于：
当第一众筹事件的众筹金额达到目标金额时，根据众筹配置信息、众筹发起人的身份信息、众筹账单信息、投资人的认购信息、投资人的身份信息、股权约定信息、合约类型信息、违约责任信息中的一种或多种生成众筹合约在区块链上生成智能合约作为众筹合约；
智能合约包括：投资人的标识、与投资人的标识对应的股权约定信息和投资资金、众筹发起人的标识、众筹生效时间、合约时间戳、合约加密信息，股权约定信息包括与投资金额对应的股权份额、规定的股权操作和与股权操作对应的触发条件。
本公开通过上述技术方案，公众网络平台在接收第一用户账号发起的针对第一众筹事件的众筹请求之后，公众网络平台可以从众筹请求中获取第一信息，或根据该第一信息的查询地址和查询密钥从区块链中来获取该第一信息，并由公众网络平台对获取到的信息进行审核验证，其中该第一信息可以包括上述的众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种。通过公众网络平台对众筹配置信息、众筹发起人的身份信息和众筹账单信息的审核验证保证能够保证这些信息的真实性，并且通过区块链技术来存储这些信息能够保证这些信息的安全性。从而能够保证众筹发起过程中的存在的众筹相关信息的真实性和安全性。
图8是根据一示例性实施例示出的一种电子设备800的框图。如图8所示，该电子设备800可以包括：处理器801，存储器802，多媒体组件803，输入/输出（I/O）接口804，以及通信组件805。
其中，处理器801用于控制该电子设备800的整体操作，以完成上述的基于区块链的众筹信息处理方法中的全部或部分步骤。存储器802用于存储各种类型的数据以支持在该电子设备800的操作，这些数据例如可以包括用于在该电子设备800上操作的任何应用程序或方法的指令，以及应用程序相关的数据，例如联系人数据、收发的消息、图片、音频、视频等等。该存储器802可以由任何类型的易失性或非易失性存储设备或者它们的组合实现，例如静态随机存取存储器（Static Random Access Memory，简称SRAM），电可擦除可编程只读存储器（Electrically Erasable Programmable Read-Only Memory，简称EEPROM），可擦除可编程只读存储器（Erasable Programmable Read-Only Memory，简称EPROM），可编程只读存储器（Programmable Read-Only Memory，简称PROM），只读存储器（Read-Only Memory，简称ROM），磁存储器，快闪存储器，磁盘或光盘。多媒体组件803可以包括屏幕和音频组件。其中屏幕例如可以是触摸屏，音频组件用于输出和/或输入音频信号。例如，音频组件可以包括一个麦克风，麦克风用于接收外部音频信号。所接收的音频信号可以被进一步存储在存储器802或通过通信组件805发送。音频组件还包括至少一个扬声器，用于输出音频信号。I/O接口804为处理器801和其他接口模块之间提供接口，上述其他接口模块可以是键盘，鼠标，按钮等。这些按钮可以是虚拟按钮或者实体按钮。通信组件805用于该电子设备800与其他设备之间进行有线或无线通信。无线通信，例如Wi-Fi，蓝牙，近场通信（Near Field Communication，简称NFC），2G、3G或4G，或它们中的一种或几种的组合，因此相应的该通信组件805可以包括：Wi-Fi模块，蓝牙模块，NFC模块。
在一示例性实施例中，电子设备800可以被一个或多个应用专用集成电路（Application Specific Integrated Circuit，简称ASIC）、数字信号处理器（Digital Signal Processor，简称DSP）、数字信号处理设备（Digital Signal Processing Device，简称DSPD）、可编程逻辑器件（Programmable Logic Device，简称PLD）、现场可编程门阵列（Field Programmable Gate Array，简称FPGA）、控制器、微控制器、微处理器或其他电子元件实现，用于执行上述的基于区块链的众筹信息处理方法。
在另一示例性实施例中，还提供了一种包括程序指令的计算机可读存储介质，例如包括程序指令的存储器802，上述程序指令可由电子设备800的处理器801执行以完成上述的基于区块链的众筹信息处理方法。
图9是根据一实施例提供的另一种电子设备，该电子设备900可以是一个服务器，可以作为上述的区块链网络中的任意节点，用于执行上述的基于区块链的众筹信息处理方法，可以是单个服务器，或由若干台服务器组成的服务器集群，或者可以是一个云计算服务中心。参照图9，装置900包括处理器901、存储器902、I/O接口903以及网络接口904，其中该存储器902可以用于存储可由处理器1201的执行的指令，处理器902可以执行这些指令，以执行上述的基于区块链的货币管理方法。另外，该装置900可以操作基于存储在存储器902的操作系统进行，该操作系统包括但不限于Windows ServerTM，Mac OS XTM，UnixTM，LinuxTM，FreeBSDTM等。
以上结合附图详细描述了本公开的优选实施方式，但是，本公开并不限于上述实施方式中的具体细节，在本公开的技术构思范围内，可以对本公开的技术方案进行多种简单变型，这些简单变型均属于本公开的保护范围。
另外需要说明的是，在上述具体实施方式中所描述的各个具体技术特征，在不矛盾的情况下，可以通过任何合适的方式进行组合，为了避免不必要的重复，本公开对各种可能的组合方式不再另行说明。
此外，本公开的各种不同的实施方式之间也可以进行任意组合，只要其不违背本公开的思想，其同样应当视为本公开所公开的内容。

Claims (22)

  1. 一种基于区块链的众筹信息处理方法，应用于公众网络平台的服务器，其特征在于，所述方法包括：
    接收第一用户账号发起的针对第一众筹事件的众筹请求，所述众筹请求中包含第一信息，所述第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，或者所述第一信息存储在区块链中的第一区块中，所述众筹请求包含所述第一信息的查询地址和查询密钥；
    根据所述众筹请求对所述第一信息进行审核验证；
    当所述第一信息通过验证时，将所述第一众筹事件通过所述公众网络平台进行发布。
  2. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    接收第二用户账号发送的针对所述第一众筹事件的众筹参与请求，所述众筹参与请求包含第二信息，所述第二信息包括投资人的身份信息、认购信息中的一种或多种，或者所述第二信息存储在区块链中的第二区块中，所述众筹参与请求包括所述第二信息的查询地址和查询秘钥，所述认购信息包括：认购金额或者认购股权数量；
    根据所述众筹参与请求对所述第二信息进行审核验证；
    当所述第二信息通过验证时，向所述第二用户账号发送关于所述第一众筹事件的众筹协议，所述众筹协议包括：股权约定信息、合约类型信息和违约责任信息中的一种或多种；
    接收所述第二用户账号发送的用于确认接受所述众筹协议的确认信息；
    在确认所述第二用户账号按照所述认购信息进行支付后，向所述第二用户账号发送支付确认信息。
  3. 根据权利要求2所述的方法，其特征在于，所述方法还包括：
    当所述第一众筹事件的众筹金额达到目标金额时，根据所述众筹配置信息、所述众筹发起人的身份信息、所述众筹账单信息、所述投资人的认购信息、所述投资人的身份信息、所述股权约定信息、所述合约类型信息、所述违约责任信息中的一种或多种生成众筹合约。
  4. 根据权利要求3所述的方法，其特征在于，所述方法还包括：
    向所述第一用户账号、每个投资人的用户账号，以及第三方监管平台的用户账号发送所述众筹合约。
  5. 根据权利要求1-4中任一项所述的方法，其特征在于，所述方法还包括：
    接收所述第一用户账号发送的账单更新请求，所述账单更新请求中包含账单信息，所述账单信息包含支付发起人标识、支付接收人标识、支付金额、支付类型、支付时间、账单时间戳和账单加密信息中的至少一者；
    对所述账单信息进行校验；
    当所述账单信息通过校验时，将所述账单信息记录在区块链中的第三区块中。
  6. 根据权利要求5所述的方法，其特征在于，所述方法还包括：
    将所述第三区块的查询信息发送至所述每个投资人的用户账号，以及第三方监管平台的用户账号。
  7. 根据权利要求1-4任一项所述的方法，其特征在于，当所述第一信息包含所述众筹配置信息、所述众筹发起人的身份信息和所述众筹账单信息时，所述根据所述众筹请求对所述第一信息进行审核验证，包括：
    在所述众筹请求包含所述第一信息时，从所述众筹请求中获取所述众筹配置信息、众筹发起人的身份信息和众筹账单信息；或者，
    在所述众筹请求包含所述第一信息的查询地址和查询密钥时，根据所述查询地址和查询密钥从所述第一区块中获取所述众筹配置信息、所述众筹发起人的身份信息和所述众筹账单信息，其中，所述众筹配置信息包括众筹目标金额、众筹时间、众筹最低或最高认筹金额、股权约定信息和合约类型信息中的至少一者，所述众筹发起人的身份信息包括个人身份证信息、组织信息、数字货币账户地址中的至少一者，所述众筹账单信息包括预期成本开支信息和众筹账单查询渠道信息；
    根据所述众筹发起人的身份信息，获取的所述众筹发起人的征信信息的区块链地址和查询密钥；
    根据所述众筹发起人的征信信息的区块链地址和查询密钥获取从区块链上获取所述众筹发起人的征信信息；
    当所述众筹发起人的身份信息满足第一预设条件，所述众筹发起人的征信信息满足第二预设条件，确定所述众筹发起人的身份信息通过验证；
    当所述众筹配置信息满足第三预设条件，确定所述众筹配置信息通过验证；
    当所述众筹账单信息满足第四预设条件，确定所述众筹账单信息通过验证；
    当所述众筹配置信息、所述众筹发起人的身份信息，以及所述众筹账单信息中有至少一者未通过验证时，拒绝所述众筹请求。
  8. 根据权利要求7所述的方法，其特征在于，所述众筹账单查询渠道信息包括：用于查询众筹账单的鉴权信息或密钥，以及众筹账单的智能合约的账户地址，或所述众筹发起人在区块链网络上的交易账户地址和投资人在所述区块链网络上的交易账户地址。
  9. 根据权利要求2-4任一项所述的方法，其特征在于，所述投资人的身份信息包括：个人身份证信息、组织信息、数字货币账户地址中的至少一者，当所述第二信息中包含所述投资人的身份信息时，所述根据所述众筹参与请求对所述第二信息进行审核验证，包括：
    在所述众筹参与请求包含所述第二信息时，从所述众筹参与请求中获取所述投资人的身份信息；或者，
    在所述众筹参与请求包括所述第二信息的查询地址和查询秘钥时，根据所述查询地址和查询秘钥从所述第二区块中获取所述投资人的身份信息；
    根据所述投资人的身份信息获取所述投资人的征信信息的区块链地址和查询密钥；
    根据所述投资人的征信信息的区块链地址和查询密钥获取从区块链上获取所述投资人的征信信息；
    当所述投资人的身份信息满足第五预设条件，且所述投资人的征信信息满足第六预设条件时，确定所述投资人的身份信息通过验证；
    当所述投资人的身份信息和所述投资人的征信信息中至少一者未通过验证时，拒绝所述众筹请求。
  10. 根据权利要求3或4所述的方法，其特征在于，所述众筹合约为智能合约，所述当所述第一众筹事件的众筹金额达到目标金额时，根据所述众筹配置信息、所述众筹发起人的身份信息、众筹账单信息、投资人的认购信息、投资人的身份信息、股权约定信息、合约类型信息、违约责任信息中的一种或多种生成众筹合约，包括：
    当所述第一众筹事件的众筹金额达到目标金额时，根据所述众筹配置信息、所述众筹发起人的身份信息、所述众筹账单信息、所述投资人的认购信息、所述投资人的身份信息、所述股权约定信息、所述合约类型信息、所述违约责任信息中的一种或多种生成众筹合约在区块链上生成所述智能合约作为所述众筹合约；
    所述智能合约包括：所述投资人的标识、与所述投资人的标识对应的股权约定信息和投资资金、所述众筹发起人的标识、众筹生效时间、合约时间戳、合约加密信息，所述股权约定信息包括与所述投资金额对应的股权份额、规定的股权操作和与所述股权操作对应的触发条件。
  11. 一种基于区块链的众筹信息处理装置，应用于公众网络平台的服务器，其特征在于，所述装置包括：
    接收模块，用于接收第一用户账号发起的针对第一众筹事件的众筹请求，所述众筹请求中包含第一信息，所述第一信息包含众筹配置信息、众筹发起人的身份信息和众筹账单信息中的一种或多种，或者所述第一信息存储在区块链中的第一区块中，所述众筹请求包含所述第一信息的查询地址和查询密钥；
    验证模块，用于根据所述众筹请求对所述第一信息进行审核验证；
    公布模块，用于当所述第一信息通过验证时，将所述第一众筹事件通过所述公众网络平台进行发布。
  12. 根据权利要求11所述的装置，其特征在于，所述装置还包括：发送模块和确认模块；
    所述接收模块，还用于接收第二用户账号发送的针对所述第一众筹事件的众筹参与请求，所述众筹参与请求包含第二信息，所述第二信息包括投资人的身份信息、认购信息中的一种或多种，或者所述第二信息存储在区块链中的第二区块中，所述众筹参与请求包括所述第二信息的查询地址和查询秘钥，所述认购信息包括：认购金额或者认购股权数量；
    所述验证模块，还用于根据所述众筹参与请求对所述第二信息进行审核验证；
    所述发送模块，用于当所述第二信息通过验证时，向所述第二用户账号发送关于所述第一众筹事件的众筹协议，所述众筹协议包括：股权约定信息、合约类型信息和违约责任信息中的一种或多种；
    所述接收模块，还用于接收所述第二用户账号发送的用于确认接受所述众筹协议的确认信息；
    所述确认模块，用于在确认所述第二用户账号按照所述认购信息进行支付后，向所述第二用户账号发送支付确认信息。
  13. 根据权利要求12所述的装置，其特征在于，所述装置还包括：
    合约生成模块，用于当所述第一众筹事件的众筹金额达到目标金额时，根据所述众筹配置信息、所述众筹发起人的身份信息、众筹账单信息、投资人的认购信息、投资人的身份信息、股权约定信息、合约类型信息、违约责任信息中的一种或多种生成众筹合约；
  14. 根据权利要求13所述的装置，其特征在于，所述装置还包括：
    合约发送模块，用于向所述第一用户账号、每个投资人对应的用户账号，以及第三方监管平台的用户账号发送所述众筹合约。
  15. 根据权利要求11-14任一项所述的装置，其特征在于，所述装置还包括：账单校验模块，信息写入模块，以及账单发送模块；
    所述接收模块，还用于接收所述第一用户账号发送的账单更新请求，所述账单更新请求中包含账单信息，所述账单信息包含支付发起人标识、支付接收人标识、支付金额、支付类型、支付时间、账单时间戳和账单加密信息中的至少一者；
    所述账单校验模块，用于对所述账单信息进行校验；
    所述信息写入模块，用于当所述账单信息通过校验时，将所述账单信息记录在区块链中的第三区块中。
  16. 根据权利要求15所述的装置，其特征在于，所述装置还包括：
    所述账单发送模块，用于将所述第三区块的查询信息发送至所述每个投资人的用户账号，以及第三方监管平台的用户账号。
  17. 根据权利要求11-14任一项所述的装置，其特征在于，所述第一信息包含所述众筹配置信息、所述众筹发起人的身份信息和所述众筹账单信息时，所述验证模块，包括：
    第一信息获取子模块，用于在所述众筹请求包含所述第一信息时，从所述众筹请求中获取所述众筹配置信息、众筹发起人的身份信息和众筹账单信息；或者，在所述众筹请求包含所述第一信息的查询地址和查询密钥时，根据所述查询地址和查询密钥从所述第一区块中获取所述众筹配置信息、所述众筹发起人的身份信息和所述众筹账单信息，其中，所述众筹配置信息包括众筹目标金额、众筹时间、众筹最低或最高认筹金额、股权约定信息和合约类型信息中的至少一者，所述众筹发起人的身份信息包括个人身份证信息、组织信息、数字货币账户地址中的至少一者，所述众筹账单信息包括预期成本开支信息和众筹账单查询渠道信息；
    第二信息获取子模块，用于根据所述众筹发起人的身份信息，获取所述众筹发起人的征信信息的区块链地址和查询密钥；
    征信查询子模块，用于根据所述众筹发起人的征信信息的区块链地址和查询密钥获取从区块链上获取所述众筹发起人的征信信息；
    身份验证子模块，用于当所述众筹发起人的身份信息满足第一预设条件，所述众筹发起人的征信信息满足第二预设条件，确定所述众筹发起人的身份信息通过验证；
    配置验证子模块，用于当所述众筹配置信息满足第三预设条件，确定所述众筹配置信息通过验证；
    账单验证子模块，用于当所述众筹账单信息满足第四预设条件，确定所述众筹账单信息通过验证；
    请求处理子模块，用于当所述众筹配置信息、所述众筹发起人的身份信息，以及所述众筹账单信息中有至少一者未通过验证时，拒绝所述众筹请求。
  18. 根据权利要求17所述的装置，其特征在于，所述众筹账单查询渠道信息包括：用于查询众筹账单的鉴权信息或密钥，以及众筹账单的智能合约的账户地址，或所述众筹发起人在区块链网络上的交易账户地址和投资人在所述区块链网络上的交易账户地址。
  19. 根据权利要求11-14任一项所述的装置，其特征在于，所述投资人的身份信息包括：个人身份证信息、组织信息、数字货币账户地址中的至少一者，所述第二信息中包含所述投资人的身份信息时，所述验证模块，包括：
    第三信息获取子模块，用于在所述众筹参与请求包含所述第二信息时，从所述众筹参与请求中获取所述投资人的身份信息；或者，在所述众筹参与请求包括所述第二信息的查询地址和查询秘钥时，根据所述查询地址和查询秘钥从所述第二区块中获取所述投资人的身份信息；
    第四信息获取子模块，用于根据所述投资人的身份信息获取在第五区块链上的所述投资人的征信信息的区块链地址和查询密钥；
    征信查询子模块，用于根据所述投资人的征信信息的区块链地址和查询密钥获取从所述第五区块链上获取所述投资人的征信信息；
    身份验证子模块，用于当所述投资人的身份信息满足第五预设条件，且所述投资人的征信信息满足第六预设条件时，确定所述投资人的身份信息通过验证；
    请求处理子模块，用于当所述投资人的身份信息和所述投资人的征信信息中至少一者未通过验证时，拒绝所述众筹请求。
  20. 根据权利要求13或14所述的装置，其特征在于，所述众筹合约为智能合约，所述合约生成模块，用于：
    当所述第一众筹事件的众筹金额达到目标金额时，根据所述众筹配置信息、所述众筹发起人的身份信息、所述众筹账单信息、所述投资人的认购信息、所述投资人的身份信息、所述股权约定信息、所述合约类型信息、所述违约责任信息中的一种或多种生成众筹合约在区块链上生成所述智能合约作为所述众筹合约；
    所述智能合约包括：所述投资人的标识、与所述投资人的标识对应的股权约定信息和投资资金、所述众筹发起人的标识、众筹生效时间、合约时间戳、合约加密信息，所述股权约定信息包括与所述投资金额对应的股权份额、规定的股权操作和与所述股权操作对应的触发条件。
  21. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质中包括一个或多个程序，所述一个或多个程序用于执行权利要求1至10中任一项所述的方法。
  22. 一种电子设备，其特征在于，包括：
    权利要求21中所述的计算机可读存储介质；以及
    一个或者多个处理器，用于执行所述计算机可读存储介质中的程序。
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