CN111178826A - Consumption financial risk management method based on block chain and cloud platform - Google Patents
Consumption financial risk management method based on block chain and cloud platform Download PDFInfo
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Abstract
The invention discloses a block chain-based consumption financial risk management method and a cloud platform, wherein the block chain-based consumption financial risk management method comprises the steps of managing data specification based on a chain code check period of a super account book; obtaining a loan request of an asset party and a loan request of a fund party, and matching based on the cycle management data specification stored on the block chain; acquiring auditing information of the credit increase party on the asset party and the fund party, and recording the auditing information to a block chain; and acquiring the loan contract confirmation of the property side and the fund side, and recording the collection information of the property side and the loan information of the fund side to the block chain. The loan request of the property side is matched with the loan request of the fund side, the information is recorded in the block chain, the information is trusted and synchronized in time, and the information cannot be tampered.
Description
Technical Field
The invention relates to the field of finance, in particular to a block chain-based consumption finance risk management method and a cloud platform.
Background
It is well known that content on traditional ledgers must be unique, which results in accounting being a naturally centralized act. This is true in the era of inexhaustible communication means, and also in the information age of today. However, centralized billing has some obvious weaknesses: once a problem occurs in the center, such as tampering or damage, the entire system is exposed to crisis or even crash.
The defects of the traditional account book in the personal expense finance field are more obvious, and an asset party, a capital party and a credit extension party are common in a transaction structure of a personal expense credit project, and personal expense credit data need to be circulated and reconciled among the three parties. Problems of untimely information synchronization, information trust and possible information tampering are often encountered.
Disclosure of Invention
The invention aims to provide a block chain-based consumption financial risk management method and a cloud platform, and aims to solve the problems that personal consumption credit data needs to be transferred and reconciled among three parties, information synchronization is not timely, information trust is poor, and information is possibly tampered.
In order to achieve the above object, in a first aspect, the present invention provides a block chain-based consumption financial risk management method, including:
chain code check cycle management data specification based on a super account book;
obtaining a loan request of an asset party and a loan request of a fund party, and matching based on the cycle management data specification stored on the block chain;
acquiring auditing information of the credit increase party on the asset party and the fund party, and recording the auditing information to a block chain;
and acquiring the loan contract confirmation of the property side and the fund side, and recording the collection information of the property side and the loan information of the fund side to the block chain.
In an embodiment, the chain code checking period management data specification based on the super ledger specifically includes:
acquiring the world state information of the periodic management data specification, and checking the world state information with the same channel duplicate data of the same account book;
if the verification is passed, acquiring a loan request of the property side and a loan request of the fund side, and matching based on the cycle management data specification stored on the block chain;
and if the verification fails, generating tampering information and recording the tampering information to the block chain.
In one embodiment, the obtaining a loan request from a property side and a loan request from a fund side, and matching based on the cycle management data specification stored on the blockchain, specifically comprises:
if the matching is successful, generating matching success information and recording the matching success information to the block chain;
if the matching fails, acquiring an updated property side loan request, sending the updated property side loan request to the block chain, and generating matching success information and recording the matching success information to the block chain until receiving loan application request information of a fund side;
if the matching fails, the updated request for loan placement of the capital side is obtained and sent to the block chain, and after the information for requesting loan of the asset side is received, matching success information is generated and recorded to the block chain;
and if the matching fails, acquiring the updated property side loan request and the updated fund side loan request for judgment, if the property side loan request and the updated fund side loan request are consistent, generating matching information to be recorded to the block chain, and managing data specification and recording to the block chain according to the transaction data updating period.
In one embodiment, before obtaining the confirmation of the loan contract between the property side and the fund side and recording the collection information of the property side and the loan information of the fund side to the block chain, the method further comprises:
the loan contract confirmation is encrypted based on a hash algorithm.
In an embodiment, the method further comprises:
and acquiring a synchronous loan transaction event data record in the block chain, generating a tracing chain, and recording the tracing chain to the block chain.
In an embodiment, the method further comprises:
and when the click operation on the tracing chain is detected, outputting an authority information interface, verifying the target authority information input according to the authority information interface based on the authority information pre-stored to the block chain, and if the verification is successful, outputting a corresponding transaction event data record.
In an embodiment, the method further comprises:
acquiring and recording the times of an asset party or a capital party which receives a loan contract but does not receive a loan contract confirmation, judging whether the preset times are reached, and if so, generating first credit investigation data information for storage;
and acquiring the number of overdue repayment of the asset party and corresponding data, and generating and storing second credit investigation data information.
In an embodiment, the method further comprises:
encrypting the personal information of the asset party or the fund party by using a private key; and after the personal information is decrypted based on the public key corresponding to the private key, the corresponding personal information is checked.
In an embodiment, the method further comprises:
and obtaining loan transaction event data, generating visual data of the corresponding field, outputting the visual data to a terminal for displaying and storing.
In a second aspect, the present invention provides a block chain based consumption financial risk management cloud platform, including a module for executing the block chain based consumption financial risk management method of the first aspect.
In a third aspect, the present invention provides a terminal, including a processor, a user interface and a memory, where the processor, the user interface and the memory are connected to each other, where the memory is used to store a computer program, and the computer program includes program instructions, and the processor is configured to call the program instructions to execute the block chain based consumption financial risk management method of the first aspect.
In a fourth aspect, the present invention provides a medium storing a computer program comprising program instructions which, when executed by a processor, cause the processor to perform the blockchain based consumption financial risk management method of the first aspect described above.
According to the block chain-based consumption financial risk management method and the cloud platform, the block chain-based consumption financial risk management method comprises the steps of managing data specifications based on a chain code check period of a super account book; obtaining a loan request of an asset party and a loan request of a fund party, and matching based on the cycle management data specification stored on the block chain; acquiring auditing information of the credit increase party on the asset party and the fund party, and recording the auditing information to a block chain; and acquiring the loan contract confirmation of the property side and the fund side, and recording the collection information of the property side and the loan information of the fund side to the block chain. The checking period management data specification is realized, loan is performed according to the period management data specification matching, manual loan transaction mode formulation is reduced, the tampering probability is reduced, the calculation period is shortened, the scale efficiency is improved, and the accuracy and the consistency of the data are ensured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of a block chain-based consumption finance risk management method according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a step S101 according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating step S102 according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a block chain-based consumption financial risk management cloud platform according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a terminal according to an embodiment of the present invention;
in the figure: 200-block chain based consumer financial risk management cloud platform, 201-check module, 202-acquisition module, 203-matching module, 204-encryption module, 400-terminal, 401-processor, 402-user interface, 403-memory, 404-bus.
Detailed Description
The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.
Referring to fig. 1, fig. 1 is a flowchart illustrating a block chain-based consumption financial risk management method according to an embodiment of the present invention. Specifically, the block chain-based consumption financial risk management method may include the following steps:
and S101, chain code checking period management data specification based on the super account book.
In the embodiment of the present invention, please refer to fig. 2, the period management data specification includes customer acquisition, credit granting, credit increase, payment, repayment, compensation, repurchase, and asset securitization, and the customer acquisition is a cost and a channel for acquiring customers; the credit granting refers to the fund directly provided by the commercial bank to the non-financial institution client, or the guarantee of the indemnity and payment responsibility possibly generated by the client in the related economic activities, including the in-table business of loan, trade financing, bill financing, financing lease, overdraft, various payment charges and the like, and the out-table business of bill acceptance, credit issuing, insurance letter, reserve credit, credit insurance acceptance, bond issuing guarantee, borrowing guarantee, asset sale with recourse right, unused irrevocable loan acceptance and the like. Simply stated, trust refers to the act of a bank providing direct funding to a customer or making a guarantee to a third party on the customer's credit in the economic activity concerned. The credit increase is that before the loan, the bank grades the enterprise, and determines different loan interest according to different grading levels. The loan is an important step (or operation) in the loan process, and refers to a process that a loan application submitted by a borrower passes the examination and verification and a loan institution delivers a loan to the borrower. After the loan is settled, the borrower can use the loan amount according to the loan purpose. The repayment is a debt owed to the return or a loan owed to the repayment. The compensation is that the financial institution issues a certain amount according to the qualification approval of the applicant, then directly prints the money into the credit card of the borrower, and then the cardholder carries out the staged repayment. The repurchase is also called Compensation Trade (Compensation Trade), which means that one party of a transaction makes a commitment to buy a certain amount of products produced by a machine equipment or technology while exporting the machine equipment or technology to another party. The assets securitization adopts the assets operation of a certain asset or asset combination in the form of the price value of the security assets, and is divided into entity asset securitization, namely the conversion from the entity assets to the security assets; the credit assets securitization is that a group of credit assets with poor liquidity, such as bank loans and accounts receivable of enterprises, are recombined to form an asset pool, so that cash flow income generated by the group of assets is relatively stable and is expected to be stable in the future, and then corresponding credit guarantees are matched, and on the basis, the income right of future cash flow generated by the group of assets is converted into bond-type securities which can flow in the financial market and have higher credit rating for issuing; securities assets securitization, i.e. re-securitization process of securities assets, which is to take a security or a combination of securities as a basic asset and issue the securities based on a cash flow generated by the underlying asset or a variable related to the cash flow; cash assets securitization, i.e., the process by which a holder of cash converts cash into securities through investment. Hyper ledger (hyper) is an open source item based on blockchains, and hyper Fabric is an allowed blockchain architecture (permissioned blockchain architecture). It provides a modular framework that serves nodes in the framework, the execution of intelligent contracts (called "chainodes" in the Fabric project), and configurable consensus and membership. A Fabric network contains interfaces for Peer nodes ("Peernodes") to execute chaincode contracts, access ledger data, endorse transactions, and refer to applications. The commander nodes ("Orderer nodes") are responsible for ensuring the consistency of this blockchain and communicating endorsed transactions to peers in the network; and an MSP service that manages x.509 certificates primarily as Certificate authorities (Certificate authorities) for verifying membership and roles. The Fabric's general Ledger (Ledger) includes two parts: world state and transaction logs. Each participant in Fabric holds a copy of the ledger. The world state section describes the state of the ledger at some point in time. It is the database of the ledger. The transaction log part records all transactions leading to the current world state, and is a historical record of the world state. The ledger is a combination of world state and transaction logs. Chain code chainpode (smart contract): the Fabric smart contract is written in chain code and is invoked when an external application interacts with the ledger. In most cases, the chain code interacts only with the database portion of the ledger (queries, etc.), i.e. the world state, and not the transaction log. The chain code may be written in multiple languages. Consensus (consensus): transactions must be written to the ledger in the order in which they occur, even though they may occur on different participants in the network. To do this, a transaction ordering service must be established and there is a method to resist erroneous transactions (malicious) written into the ledger. Channel: private isolation on Fabric networks. The chaincode and transaction in a channel are visible only to nodes joining the channel. The same node may join multiple channels and maintain an account book for each channel content. Acquiring the world state information of the periodic management data specification, and checking the world state information with the same channel duplicate data of the same account book; if the verification is passed, acquiring a loan request of the property side and a loan request of the fund side, and matching based on the cycle management data specification stored on the block chain; and if the verification fails, generating tampering information and recording the tampering information to the block chain. The method ensures that the periodic management data specification can not be tampered, and avoids data errors, time modification waste and even delivery errors which cause irreparable loss when the fund party and the asset party are matched subsequently.
And S102, acquiring a loan request of the property side and a loan request of the fund side, and matching based on the cycle management data specification stored on the block chain.
In the embodiment of the present invention, referring to fig. 3, the property side is a borrower, the fund side is a borrower, and the block chain is a point-to-point (P2P) distributed book technology. The issuing, trading, managing and serving of assets can be effectively and safely supported. Matching according to conditions such as the borrowing amount, the borrowing interest and the borrowing time of the asset party and conditions such as the loan amount, the loan interest and the loan time of the capital party, and if the two parties agree and the matching is successful, generating matching success information and recording the matching success information to a block chain, wherein related personnel can know that the matching is not possible to be tampered; if the property side does not agree with the loan condition of the fund side, the updated property side loan request is obtained and sent to the block chain, and matching success information is generated and recorded to the block chain after the loan application request information of the fund side is received; if the fund sending does not agree with the borrowing conditions of the property side, the updated loan request of the property side is obtained and sent to the block chain, and after the loan requisition information of the property side is received, matching success information is generated and recorded to the block chain; and if the two parties are different in loan intention and loan conditions, acquiring the updated property side loan request and the updated loan request of the fund side to judge, and if the two parties are consistent, generating matching information to be recorded to the block chain, and managing data specification and recording to the block chain according to the transaction data updating period. And matching is carried out according to the period management data specification, so that the calculation period is shortened, the scale efficiency is improved, and the calculation period and the scale efficiency are recorded in a block chain and cannot be tampered.
S103, obtaining the auditing information of the credit-increasing party aiming at the asset party and the fund party, and recording the auditing information to a block chain.
In the embodiment of the invention, the credit-adding party is a party for adding a guarantee, and the credit-adding party can evaluate the repayment capacity of the asset party, such as cash deposit and fixed asset value, and evaluate the borrowed amount and interest of the fund party, such as whether the interest is too high or not to disturb the market.
And S104, acquiring the loan contract confirmation of the property side and the fund side, and recording the collection information of the property side and the loan information of the fund side to a block chain.
In the embodiment of the invention, after the successful matching, the credit-increasing party sends a loan contract to the property party and the fund party, after the credit-increasing party receives a loan contract confirmation sent back by the property party and the fund party, the whole process is recorded to the block chain, the money is transferred through Token, and the collection information of the property party and the loan information of the fund party are recorded to the block chain, so that the loan cooperation is completed. The loan contract confirmation is encrypted based on a hash algorithm. That is, the loan contract confirmation data is converted into the output with fixed length through the hash algorithm, the output is the hash value, the space of the hash value is far smaller than that of the input, different inputs can be hashed into the same output, so that the unique input value can not be determined from the hash value, the data is prevented from being tampered, and confidential and private transaction is achieved. In addition, a synchronous loan transaction event data record in the block chain is obtained, a tracing chain is generated, and the tracing chain is recorded to the block chain. And when the click operation on the tracing chain is detected, outputting an authority information interface, verifying the target authority information input according to the authority information interface based on the authority information pre-stored to the block chain, and if the verification is successful, outputting a corresponding transaction event data record. Namely, relevant personnel can input authority information such as letters, numbers or numbers plus letters by clicking the traceback chain, so that the irrelevant personnel can be prevented from randomly browsing to cause data leakage, and the relevant personnel can know the whole loan transaction process. Encrypting the personal information of the asset party or the fund party by using a private key; and after the personal information is decrypted based on the public key corresponding to the private key, the corresponding personal information is checked. The opposite individual has the corresponding public key, so that the personal information can be decrypted, the personal information can be checked, irrelevant personnel can be prevented from checking and leaking the information, and harassment is avoided. Acquiring and recording the times of an asset party or a capital party which receives a loan contract but does not receive a loan contract confirmation, judging whether the preset times are reached, and if so, generating first credit investigation data information for storage; the fund party or the property party already reaches a preliminary agreement, can carry out loan transaction, temporarily changes the idea during the final contract, cancels the loan transaction by one party, brings certain economic loss and mental loss to the other party, and brings a credit investigation list when reaching the preset times, so that the transaction is faster and smoother; and acquiring the times of overdue repayment of the asset party and corresponding data, and generating a second credit investigation data information storage, namely, the borrower who frequently repays for overdue money is brought into the credit investigation list. And obtaining loan transaction event data, generating visual data of the corresponding field, outputting the visual data to a terminal for displaying and storing. According to the visual data, the borrowing and lending conditions in different fields can be intuitively reflected, corresponding references are provided for borrowers and lenders, public staff can know market demands, the corresponding fields are assisted, and social cohesion is enhanced.
The invention relates to a block chain-based consumption financial risk management method, which comprises the steps of managing data specifications based on a chain code check period of a super account book; obtaining a loan request of an asset party and a loan request of a fund party, and matching based on the cycle management data specification stored on the block chain; acquiring auditing information of the credit increase party on the asset party and the fund party, and recording the auditing information to a block chain; and acquiring the loan contract confirmation of the property side and the fund side, and recording the collection information of the property side and the loan information of the fund side to the block chain. The checking period management data specification is realized, loan is performed according to the period management data specification matching, manual loan transaction mode formulation is reduced, the tampering probability is reduced, the calculation period is shortened, the scale efficiency is improved, and the accuracy and the consistency of the data are ensured.
Referring to fig. 4, fig. 4 is a schematic structural diagram of a block chain-based consumption financial risk management cloud platform 200 according to an embodiment of the present invention, including modules for executing the block chain-based consumption financial risk management method according to the first aspect. Specifically, the block chain-based consumption financial risk management cloud platform 200 according to the embodiment of the present invention may include: a verification module 201, an acquisition module 202, a matching module 203 and an encryption module 204. Wherein:
the checking module 201 is configured to check a cycle management data specification based on a chain code of a super account book;
the obtaining module 202 is configured to obtain a loan request of an asset party and a loan request of a fund party, and the matching module 203 is configured to perform matching based on the cycle management data specification stored in the blockchain;
the obtaining module 202 is configured to obtain audit information of the credit-increase party on the asset party and the fund party, and record the audit information to a block chain;
the obtaining module 202 is configured to obtain the loan contract confirmation of the property side and the fund side, and record the collection information of the property side and the loan information of the fund side to the block chain.
In an embodiment, the obtaining module 202 is configured to obtain the world state information of the periodic management data specification, and check the world state information with the duplicate data of the same channel of the same account book;
if the verification is passed, acquiring a loan request of the property side and a loan request of the fund side, and matching based on the cycle management data specification stored on the block chain;
and if the verification fails, generating tampering information and recording the tampering information to the block chain.
In an embodiment, the obtaining module 202 is configured to generate matching success information and record the matching success information to a block chain if matching is successful;
if the matching fails, acquiring an updated property side loan request, sending the updated property side loan request to the block chain, and generating matching success information and recording the matching success information to the block chain until receiving loan application request information of a fund side;
if the matching fails, the updated request for loan placement of the capital side is obtained and sent to the block chain, and after the information for requesting loan of the asset side is received, matching success information is generated and recorded to the block chain;
and if the matching fails, acquiring the updated property side loan request and the updated fund side loan request for judgment, if the property side loan request and the updated fund side loan request are consistent, generating matching information to be recorded to the block chain, and managing data specification and recording to the block chain according to the transaction data updating period.
In one embodiment, the encryption module 204 is configured to encrypt the loan contract confirmations based on a hash algorithm before acquiring the loan contract confirmations of the property side and the fund side and recording the collection information of the property side and the loan information of the fund side to the blockchain.
In an embodiment, the obtaining module 202 is configured to obtain a data record of a synchronous loan transaction event in a block chain, generate a trace back chain, and record the trace back chain to the block chain.
In an embodiment, the verification module 201 is configured to output an authority information interface when a click operation on a trace back chain is detected, verify target authority information input according to the authority information interface based on authority information pre-stored in a block chain, and output a corresponding transaction event data record if the verification is successful.
In an embodiment, the obtaining module 202 is configured to obtain and record the times of an asset party or a fund party that receives a loan contract but does not receive a confirmation of the loan contract, determine whether the preset times is reached, and if yes, generate first credit investigation data information for storage;
and acquiring the number of overdue repayment of the asset party and corresponding data, and generating and storing second credit investigation data information.
In one embodiment, the encryption module 204 is configured to encrypt the asset side or fund side personal information by using a private key; the obtaining module 202 is configured to obtain the corresponding personal information after decrypting the personal information based on the public key corresponding to the private key, and check the corresponding personal information.
In an embodiment, the obtaining module 202 is configured to obtain loan transaction event data, generate visual data of a corresponding field, output the visual data to a terminal for displaying, and store the visual data.
The consumption finance risk management cloud platform 200 based on the block chain transparently displays the internal processing flow of the credit cloud and the processing result of the key node, displays the data tracing chain at a place where data service is provided externally, reflects the objectivity of credit cloud data processing, and enhances the public credibility of data. Meanwhile, the capability of acquiring data according to the traceback clues and re-executing the processing is provided, so that the checking requirement of the user at any time is met.
Referring to fig. 5, fig. 5 is a schematic structural diagram of a terminal 400 according to an embodiment of the present invention. The terminal 400 is configured to perform the above-mentioned method. As shown in fig. 5, the terminal 400 in this embodiment may include: one or more processors 401 and memory 403. Optionally, the terminal 400 may also include one or more user interfaces 402. The processor 401, user interface 402 and memory 403 may be connected by a bus 404, illustrated in fig. 5 as bus 404, or may be connected in other ways.
The processor 401 may be a Central Processing Unit (CPU), and the processor 401 may also be other general-purpose processors 401, a Digital signal processor 401 (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. The general purpose processor 401 may be a microprocessor 401 or the processor 401 may be any conventional processor 401 or the like.
The user interface 402 may be used for transceiving information or signaling interactions, as well as receiving and communicating signals, and the user interface 402 may include a receiver and a transmitter for communicating with other devices. The memory 403 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, and a storage program required by at least one function (such as a text storage function, a location storage function, etc.); the storage data area may store data (such as image data, text data) created according to the use of the terminal 400, etc., and may include an application storage program, etc. Further, the memory 403 may include high speed random access memory 403, and may also include non-volatile memory 403, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
The memory 403 is also used to store program instructions. The processor 401 may call the program instructions stored in the memory 403 to implement the block chain based consumption financial risk management method according to the embodiment of the present invention.
Wherein the processor 401 may be configured to call the program instruction to perform the following steps: chain code check cycle management data specification based on a super account book;
obtaining a loan request of an asset party and a loan request of a fund party, and matching based on the cycle management data specification stored on the block chain;
acquiring auditing information of the credit increase party on the asset party and the fund party, and recording the auditing information to a block chain;
and acquiring the loan contract confirmation of the property side and the fund side, and recording the collection information of the property side and the loan information of the fund side to the block chain.
In one embodiment, the processor 401 may be configured to call the program instructions to perform the following steps: acquiring the world state information of the periodic management data specification, and checking the world state information with the same channel duplicate data of the same account book;
if the verification is passed, acquiring a loan request of the property side and a loan request of the fund side, and matching based on the cycle management data specification stored on the block chain;
and if the verification fails, generating tampering information and recording the tampering information to the block chain.
In one embodiment, the processor 401 may be configured to invoke the program instructions to perform the following steps in obtaining a loan request from a property side and a loan request from a fund side, matching based on the cycle management data specification stored on the blockchain: if the matching is successful, generating matching success information and recording the matching success information to the block chain;
if the matching fails, acquiring an updated property side loan request, sending the updated property side loan request to the block chain, and generating matching success information and recording the matching success information to the block chain until receiving loan application request information of a fund side;
if the matching fails, the updated request for loan placement of the capital side is obtained and sent to the block chain, and after the information for requesting loan of the asset side is received, matching success information is generated and recorded to the block chain;
and if the matching fails, acquiring the updated property side loan request and the updated fund side loan request for judgment, if the property side loan request and the updated fund side loan request are consistent, generating matching information to be recorded to the block chain, and managing data specification and recording to the block chain according to the transaction data updating period.
In one embodiment, before obtaining the confirmations of the loan contracts of the property side and the fund side and recording the collection information of the property side and the loan information of the fund side to the blockchain, the processor 401 may be configured to call the program instructions to perform the following steps: the loan contract confirmation is encrypted based on a hash algorithm.
In one embodiment, the processor 401 may be configured to call the program instructions to perform the following steps: and acquiring a synchronous loan transaction event data record in the block chain, generating a tracing chain, and recording the tracing chain to the block chain.
In one embodiment, the processor 401 may be configured to call the program instructions to perform the following steps: and when the click operation on the tracing chain is detected, outputting an authority information interface, verifying the target authority information input according to the authority information interface based on the authority information pre-stored to the block chain, and if the verification is successful, outputting a corresponding transaction event data record.
In one embodiment, the processor 401 may be configured to call the program instructions to perform the following steps: acquiring and recording the times of an asset party or a capital party which receives a loan contract but does not receive a loan contract confirmation, judging whether the preset times are reached, and if so, generating first credit investigation data information for storage;
and acquiring the number of overdue repayment of the asset party and corresponding data, and generating and storing second credit investigation data information.
In one embodiment, the processor 401 may be configured to call the program instructions to perform the following steps: encrypting the personal information of the asset party or the fund party by using a private key; and after the personal information is decrypted based on the public key corresponding to the private key, the corresponding personal information is checked.
In one embodiment, loan transaction event data is acquired, visual data of a corresponding field is generated, and the visual data is output to a terminal for display and storage.
An embodiment of the present invention further provides a medium, where a computer program is stored in the medium, where the computer program is stored in a computer-readable storage medium, and when being executed by a processor 401, the computer program may implement part or all of the steps in the block chain based consumption financial risk management method described in the embodiments corresponding to fig. 1 to 3, may also implement the function of the block chain based consumption financial risk management cloud platform 200 according to the embodiment shown in fig. 4, and may also implement the function of the terminal 400 according to the embodiment shown in fig. 5, which are not described herein again.
The computer readable storage medium may be an internal storage unit of the block chain based consumption financial risk management cloud platform 200 or the terminal 400 of the foregoing embodiments, for example, a hard disk or a memory of the block chain based consumption financial risk management cloud platform 200 or the terminal 400. The computer readable storage medium may also be an external storage device of the block chain based consumption financial risk management cloud platform 200 or the terminal 400, such as a plug-in hard disk equipped on the block chain based consumption financial risk management cloud platform 200 or the terminal 400, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like.
Embodiments of the present invention also provide a computer program product including instructions, which when executed on a computer, cause the computer to perform some or all of the steps of the above method.
In this application, the term "and/or" is only one kind of association relationship describing an associated object, and means that there may be three kinds of relationships, for example, a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.
In the embodiments of the present application, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A block chain-based consumption financial risk management method is characterized by comprising the following steps:
chain code check cycle management data specification based on a super account book;
obtaining a loan request of an asset party and a loan request of a fund party, and matching based on the cycle management data specification stored on the block chain;
acquiring auditing information of the credit increase party on the asset party and the fund party, and recording the auditing information to a block chain;
and acquiring the loan contract confirmation of the property side and the fund side, and recording the collection information of the property side and the loan information of the fund side to the block chain.
2. The method for block chain-based consumption financial risk management according to claim 1, wherein the chain code verification period management data specification based on the super ledger specifically includes:
acquiring the world state information of the periodic management data specification, and checking the world state information with the same channel duplicate data of the same account book;
if the verification is passed, acquiring a loan request of the property side and a loan request of the fund side, and matching based on the cycle management data specification stored on the block chain;
and if the verification fails, generating tampering information and recording the tampering information to the block chain.
3. The method of claim 2, wherein the acquiring of the loan request from the property side and the loan request from the fund side is based on a periodic management data specification stored on the blockchain for matching, comprising:
if the matching is successful, generating matching success information and recording the matching success information to the block chain;
if the matching fails, acquiring an updated property side loan request, sending the updated property side loan request to the block chain, and generating matching success information and recording the matching success information to the block chain until receiving loan application request information of a fund side;
if the matching fails, the updated request for loan placement of the capital side is obtained and sent to the block chain, and after the information for requesting loan of the asset side is received, matching success information is generated and recorded to the block chain;
and if the matching fails, acquiring the updated property side loan request and the updated fund side loan request for judgment, if the property side loan request and the updated fund side loan request are consistent, generating matching information to be recorded to the block chain, and managing data specification and recording to the block chain according to the transaction data updating period.
4. The blockchain-based consumer financial risk management method of claim 1 wherein before acquiring confirmations of loan contracts of the property and the fund and recording collection information of the property and loan information of the fund to the blockchain, the method further comprises:
the loan contract confirmation is encrypted based on a hash algorithm.
5. The blockchain-based consumer financial risk management method of claim 1, further comprising:
and acquiring a synchronous loan transaction event data record in the block chain, generating a tracing chain, and recording the tracing chain to the block chain.
6. The blockchain-based consumer financial risk management method of claim 5, further comprising:
and when the click operation on the tracing chain is detected, outputting an authority information interface, verifying the target authority information input according to the authority information interface based on the authority information pre-stored to the block chain, and if the verification is successful, outputting a corresponding transaction event data record.
7. The blockchain-based consumer financial risk management method of claim 1, further comprising:
acquiring and recording the times of an asset party or a capital party which receives a loan contract but does not receive a loan contract confirmation, judging whether the preset times are reached, and if so, generating first credit investigation data information for storage;
and acquiring the number of overdue repayment of the asset party and corresponding data, and generating and storing second credit investigation data information.
8. The blockchain-based consumer financial risk management method of claim 1, further comprising:
encrypting the personal information of the asset party or the fund party by using a private key; and after the personal information is decrypted based on the public key corresponding to the private key, the corresponding personal information is checked.
9. The blockchain-based consumer financial risk management method of claim 1, further comprising:
and obtaining loan transaction event data, generating visual data of the corresponding field, outputting the visual data to a terminal for displaying and storing.
10. A blockchain based consumer financial risk management cloud platform comprising means for performing the blockchain based consumer financial risk management method of any one of claims 1 to 9.
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