CN108876599B - Poverty relief loan management system - Google Patents
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Abstract
The invention provides a poverty relief loan management system which comprises a service end, a file sharing library and a block chain network, wherein the service end is connected with a plurality of clients; the service end is used for being responsible for user authority control, credit information logic processing, data interaction with a block chain network, calling of an intelligent contract and data storage; the file sharing library is used for sharing files; the block chain network is used for carrying out deposit management on information flow, approval flow and fund flow in the poverty relief loan, and the block chain carries out data exchange of cross-domain application; performing cross-domain application logic execution by using an intelligent contract to complete data flow and process flow of poverty relief loans among a plurality of participants; the method realizes the access right control of the data and the interface on the chain, better monitors the information flow, the fund flow and the examination and approval flow in the poverty alleviation process, and reduces the behaviors of violation and law violation, policy arbitrage and the like caused by information asymmetry.
Description
Technical Field
The invention relates to a poverty relief loan management system.
Background
The poverty relief loan is obviously different from the ordinary loan.
In the process:
before loan initiation, the poverty-relief loan needs to be subjected to information profiling collection by village committees in various jurisdictions, and is qualified to apply for poverty-relief loan by persons in a determined poverty-relief list after being approved by relevant government agencies such as superior poverty-relief office.
And secondly, after the loan application, the loan can be issued only after the examination and approval of poverty relief.
And thirdly, applying for the poverty-relief loan application to the relevant government organ every time, wherein the government may confirm the qualification of the poverty-relief object again, and the original poverty-relief object may be disqualified.
On a user representation:
not only needs to know the borrowing demand, repayment capacity and repayment willingness of the user, but also needs to judge whether the user is a poverty relief loan issuing object allowed by the policy.
In terms of system construction:
the corresponding method and system of the invention should be connected with the systems and make the upgrading and modification amount of the system to be minimum, in addition, banks have built credit systems, accounting systems and the like, in order to better manage the credit investigation and loan of the poverty-handicapped object and monitor the flow direction of poverty-handicapped funds, the connection to the poverty-handicapped loan management system is also needed, and the modification workload of the systems is also minimum.
In conclusion, compared with the common loan, the process is more complex, and relates to all levels of government departments, and a plurality of different departments and processes and links realized by the system need to be integrated; secondly, judging whether the user has the repayment capability or not, and judging whether the user is a poor user or not and needing more data support from different departments; finally, there is a need to provide governmental regulatory interfaces to interface with various related systems in a manner that minimizes modifications.
The poverty relief loan is a policy loan business born by related financial institutions in China, is an important component of poverty relief development in China, and is an important measure for promoting finance. However, aiming at application scenes of poverty relief loan approval, issuance and the like which relate to multiple departments, multiple organizations and multiple user roles, the problems of complex approval process, untimely approval, asymmetric information, difficult supervision and the like exist, and even more, the poverty relief loan management of poverty relief objects, banks and government agencies is brought with many problems by adopting an offline manual mode.
At present, a management system for poverty-alleviation loans focuses on the determination and application of loan objects more, a centralized deployment mode is generally adopted, the management and control of the whole process of examination, approval, issuance and interest management of poverty-alleviation loans are difficult to realize, and certain difficulty is brought to government supervision. The invention discloses a method and a system for accurately relieving poverty, which are published under the number 107657577A and the number 2018-02-02, and discloses an accurate poverty relieving method and a system which are realized by adopting a big data statistics technology. The invention discloses a poverty relief object selection method and device with publication number 107945079A and publication date 2018-04-20, and discloses a poverty relief object selection method and device, which comprises the steps of calculating a composite poverty relief index according to a plurality of acquired preset parameter values and corresponding preset weights, forming a poverty relief candidate list according to the ascending order of the poverty relief index, expanding the range of the candidate objects, accurately determining the poverty relief object and achieving the effect of 'accurate poverty relief'. The invention discloses an accurate poverty relief management system and method based on cloud computing, which is published under the number of 107343041A and the publication date of 2017-11-10, and discloses the accurate poverty relief management system and method based on cloud computing, wherein the accurate poverty relief management system and method based on cloud computing comprise a service layer, a platform layer, a management layer and a resource layer, the integration of relevant data of poverty relief objects and social strength is realized, poverty relief objects and social resources are classified, calculated, recommended and poverty relief strategies are optimized, the social resources are integrated and optimally configured, poverty relief benefits are improved, poverty relief performance can be evaluated and tracked, and poverty relief decision efficiency is improved.
The main disadvantages of the above technology are:
firstly, the invention does not realize the management of the whole process of the poverty-facilitating loan, the poverty-facilitating loan management comprises the stages of poverty-facilitating object determination, poverty-facilitating loan application, poverty-facilitating loan management, poverty-facilitating loan interest application and the like, the invention focuses more on the steps of confirming and applying the poverty-facilitating loan, and does not answer the whole process management of the poverty-facilitating loan;
secondly, no solution is provided for the problems of complex approval process, risk monitoring, asymmetric information, difficult supervision and the like in the poverty relief loan management;
finally, for the actual landing scene, the above invention does not provide a solution for the data intercommunication between the multi-user role and the multi-organization involved in the poverty relief loan, and the trusted data interaction and the cross-domain execution of logic with the existing system.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a poverty relief loan management system, which is characterized in that on the aspect of supporting a user portrait by more real, timely and effective data, a data channel for building related systems of various related departments is established by utilizing the characteristics of incapability of tampering data, traceability, data HASH characteristic value extraction and the like of a block chain, the authenticity and timeliness of the data are guaranteed, and the data channel is shared to a loan rating system for user portrait and accurate customer identification. And secondly, in the aspects of integrating systems and resources of all participants, simplifying the link of releasing the poverty-alleviation funds, accelerating examination and approval circulation, accelerating the speed of releasing the poverty-alleviation funds, realizing automatic interest, and the like, a system of trusted data exchange and logic execution is built through the characteristics of transparent sharing of a block chain, a consensus algorithm and automatic execution of an intelligent contract, the digital integration and integration of the systems and resources of all the participants are realized, the link of releasing the poverty-alleviation funds is simplified, the examination and approval circulation is accelerated, the speed of releasing the poverty-alleviation funds is accelerated, and the automatic interest is realized. And thirdly, in the aspect of better monitoring the information flow, the fund flow and the approval flow in the poverty alleviation process and reducing violation violations, policy arbitrage and other behaviors brought by asymmetric information, an interface for acquiring data in real time by the government is provided in a block chain through the transparent characteristic of the block chain full account book information, a data support interface is provided for government supervision, the information flow, the fund flow and the approval flow in the poverty alleviation process are better monitored, and the violation violations, policy arbitrage and other behaviors brought by asymmetric information are reduced.
The invention is realized by the following steps: a poverty relief loan management system comprises a service end, a file sharing library and a block chain network;
the service end is used for being responsible for user authority control, credit information logic processing, data interaction with a block chain network, calling of an intelligent contract and data storage;
the file sharing library is used for sharing files;
the block chain network is used for carrying out deposit management on information flow, approval flow and fund flow in the poverty relief loan, and the block chain carries out data exchange of cross-domain application; performing cross-domain application logic execution by using an intelligent contract to complete data flow and process flow of poverty relief loans among a plurality of participants; and realizing the access authority control of the data and the interface on the chain.
Further, the system is provided with a user account, a cross-domain account, a chain account, a consensus account and a CA account;
the user account is an application-level account, and the calling authority of data, interfaces and intelligent contracts on the block chain network is controlled through one-to-one correspondence with the chain accounts;
the cross-domain account is a user application account on the cross-domain application, and the block chain network establishes one-to-one correspondence between the chain accounts and the cross-domain accounts according to the requirements of cross-domain participants, so that the control of the calling authority of data, interfaces and intelligent contracts on the block chain network is realized;
the chain account is an account on a block chain network, each participant is virtualized into an organization, each organization has 1 to n block chain nodes and a CA according to requirements, the chain account is generated by the CA and issues public and private key pairs and certificates, the chain account configures different data, interfaces and calling authorities of intelligent contracts according to requirements, corresponds to a user account, and effectively and uniquely stores the behaviors and data of the user, and the authorities of the chain account are subjected to network-wide broadcasting and written into a database of each block chain node;
the consensus account is used for achieving consensus among consensus nodes, has all calling authorities of data, interfaces and intelligent contracts on the block chain network, and is used for ensuring that the execution results of the chain-entering data, the operation and the intelligent contracts are real and effective;
and the CA management account is used for managing the CA in the block chain network organization, controlling the admission of personnel, applying for the chain account, and generating and issuing certificates and public and private key pairs, and all the participants master the CA account and formulate personnel admission rules.
Further, the algorithm for achieving consensus among the consensus nodes is a PBFT algorithm.
Further, the intelligent contracts comprise poverty-facilitating loan approval process contracts, loan management contracts and poverty-facilitating interest application contracts;
the poverty-alleviation loan approval process contract abstracts poverty-alleviation object confirmation and poverty-alleviation loan application processes commonly participated by related participants into a contract, and feeds back poverty-alleviation execution results to each participant through a block chain network according to a cross-domain calling protocol;
the method comprises the following steps of (1) carrying out loan management contract, abstracting loan contract terms into contracts, abstracting borrowers, time, deadline length, interest rate and interest bearing date in the loan contract, and using the abstracted loan contract as input parameters of the loan management contract, wherein the contracts run according to the parameters; the main actions of the contract comprise contract generation, loan issuance, interest bearing deduction, loan expiration, default handling and loan risk monitoring;
according to the agreement between the bank and the government, the poverty-relief loan application contract automatically gets interest at intervals to generate a poverty-relief application, applies for poverty-relief loan to the government through a block chain network, after approval, relevant government agencies post the release of poverty-relief loan into a designated bank account, the bank releases the interest into a poverty-relief object account, and relevant fund release information links the deposit certificate.
Further, the file sharing library is used for sharing files, and stores a HASH value of each shared file to the blockchain network.
Further, the blockchain network comprises a plurality of blockchain organizations, the blockchain organizations comprise at least one blockchain node and a digital certificate; the block link point comprises a database for storing uploaded data.
Further, the uploaded data is encrypted data or plaintext data; and under the condition that the encrypted data reaches an agreement for each party, the information parties exchange keys through a DH key exchange algorithm, and then encrypt the data.
The invention has the following advantages:
1. the invention aims at the management of the whole process of poverty relief loan, the prior art mainly aims at the object identification stage, the analysis model and the data processing logic adopted by the objects can be directly realized in the system provided by the invention, and the mature, reliable and safe technology is fully applied to increase the accuracy and the efficiency of customer identification.
2. Based on the characteristics of the block chain technology, the reliability among different organizations is increased, the technical safety guarantee is provided for getting through the data barriers of the cross-organization, and the technical support is provided for realizing data intercommunication and data sharing among the different organizations.
3. The invention disassembles the loan key process, solidifies the service logic by applying an intelligent contract, realizes credible service logic execution (especially cross-domain execution of the service logic) through a consensus mechanism, changes the original link needing manual participation into system automatic processing, and improves the efficiency of poverty relief issue.
4. The uplink data are subjected to real-time wind control analysis and are exposed to a supervision mechanism for retrieval, so that the tracking of fund use is increased, the system supervision performance is increased to a certain extent, and the policy arbitrage behavior is avoided.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
FIG. 1 is a schematic diagram of a system architecture according to the present invention.
Fig. 2 is a schematic view of the account system of the poverty-alleviation loan management system of the invention.
Fig. 3 is a schematic diagram of the operation flow of the intelligent contract of the present invention.
FIG. 4 is a schematic diagram of the communication principle of the PBFT algorithm.
Fig. 5 is a timing diagram illustrating the operation of the system of the present invention.
Detailed Description
The poverty relief loan management system comprises a service end, a file sharing library and a block chain network;
the service end is used for being responsible for user authority control, credit information logic processing, data interaction with a block chain network, calling of an intelligent contract and data storage;
the file sharing library is used for sharing files and storing the HASH value of each shared file to the block chain network;
the block chain network is used for carrying out deposit management on information flow, approval flow and fund flow in the poverty relief loan, and the block chain carries out data exchange of cross-domain application; performing cross-domain application logic execution by using an intelligent contract to complete data flow and process flow of poverty relief loans among a plurality of participants; and realizing the access authority control of the data and the interface on the chain.
The system is provided with a user account, a cross-domain account, a chain account, a consensus account and a CA account;
the user account is an application-level account, and the calling authority of data, interfaces and intelligent contracts on the block chain network is controlled through one-to-one correspondence with the chain accounts;
the cross-domain account is a user application account on the cross-domain application, and the block chain network establishes one-to-one correspondence between the chain accounts and the cross-domain accounts according to the requirements of cross-domain participants, so that the control of the calling authority of data, interfaces and intelligent contracts on the block chain network is realized;
the chain account is an account on a block chain network, each participant is virtualized into an organization, each organization has 1 to n block chain nodes and a CA according to requirements, the chain account is generated by the CA and issues public and private key pairs and certificates, the chain account configures different data, interfaces and calling authorities of intelligent contracts according to requirements, corresponds to a user account, and effectively and uniquely stores the behaviors and data of the user, and the authorities of the chain account are subjected to network-wide broadcasting and written into a database of each block chain node;
the consensus account is used for achieving consensus among consensus nodes, has call permissions of all data, interfaces and intelligent contracts on a block chain network, and is used for ensuring that the execution results of the chain-entering data, the operation and the intelligent contracts are real and effective, and the algorithm for achieving consensus among the consensus nodes is a PBFT algorithm;
and the CA management account is used for managing the CA in the block chain network organization, controlling the admission of personnel, applying for the chain account, and generating and issuing certificates and public and private key pairs, and all the participants master the CA account and formulate personnel admission rules.
The intelligent contracts comprise poverty-alleviation loan approval process contracts, loan management contracts and poverty-alleviation interest application contracts;
the poverty-alleviation loan approval process contract abstracts the processes of poverty-alleviation object confirmation, poverty-alleviation loan application and the like which are participated by related parties into a contract, and feeds back poverty-alleviation execution results to all the participators through a block chain network according to a cross-domain calling protocol;
the method comprises the following steps of (1) carrying out loan management contract, abstracting loan contract terms into contracts, abstracting borrowers, time, deadline length, interest rate and interest bearing date in the loan contract, and using the abstracted loan contract as input parameters of the loan management contract, wherein the contracts run according to the parameters; the main actions of the contract comprise contract generation, loan issuance, interest bearing deduction, loan expiration, default handling and loan risk monitoring;
according to the agreement between the bank and the government, the poverty-relief loan application contract automatically gets interest at intervals to generate a poverty-relief application, applies for poverty-relief loan to the government through a block chain network, after approval, relevant government agencies post the release of poverty-relief loan into a designated bank account, the bank releases the interest into a poverty-relief object account, and relevant fund release information links the deposit certificate.
The blockchain network comprises a plurality of blockchain organizations, and each blockchain organization comprises at least one blockchain node and a digital certificate; the block chain link point comprises a database, wherein the database is used for storing uploaded data, and the uploaded data are encrypted data or plaintext data; and under the condition that the encrypted data reaches an agreement for each party, the information parties exchange keys through a DH key exchange algorithm, and then encrypt the data.
Compared with the common loan, the poverty relief loan is more complex in process, relates to all levels of government departments, and needs to integrate a plurality of different departments and the process and the link realized by the system; secondly, judging whether the user has the repayment capability or not, and judging whether the user is a poor user or not and needing more data support from different departments; finally, there is a need to provide governmental regulatory interfaces to interface with various related systems in a manner that minimizes modifications. The problems are realized by establishing a trusted data exchange and logic execution system among cross-domain systems through the characteristics of data of a block chain, such as non-falsification, traceability, data HASH characteristic value extraction, transparent sharing, consensus algorithm, intelligent contract automatic execution and the like, and are well solved.
One specific embodiment of the present invention:
system architecture
As shown in fig. 1, a block chain technology is used to design a poverty-alleviation loan management system (hereinafter referred to as a system), and the related systems of each participant are integrated and linked (which refers to providing data exchange between the related systems and chain logic execution implemented by intelligent contracts), so as to construct a complete poverty-alleviation loan application, auditing and issuing system.
The poverty relief loan management system mainly comprises a client, a server, a file sharing library and a block chain network 4:
the client side is an interface display and operation side provided for users, bank employees and government employees willing to use the application side;
the service end provides modules of user authority control, interface control, flow control, credit management, information pasting processing, data exchange, a database and the like, and is responsible for user authority control, credit and information pasting logic processing, data interaction with a block chain network, calling of an intelligent contract and data storage;
the file sharing library carries out controlled file sharing among all participants, the files (such as texts, tables, pictures, audio and video and the like) belong to semi-structured or unstructured data, and have the characteristics of large occupied storage space, need of confidentiality within a certain range for content and the like, so that the HASH value of the file is linked, the file is stored in the file sharing library and is shared to related participants in a controlled manner according to needs, and the participants with access authority can download the file from the file sharing library and verify whether the file is tampered or not through the HASH value;
the block chain network firstly carries out evidence management on information flow, approval flow, fund flow and the like in the poverty relief loan, secondly carries out data exchange of cross-domain application by using a block chain, carries out credible logic execution among the cross-domain applications by using an intelligent contract, completes data flow and flow of the poverty relief loan among a plurality of applications, thirdly provides data support of user portrait by integrating data of each participant, and fourthly realizes access authority control of data and interfaces on the chain.
The system is characterized by comprising an account system, authority control, chain information controlled sharing and supervision, intelligent contracts, a consensus mechanism, cross-domain logic execution and a block data structure.
Account system and authority control
The poverty relief loan management system is a system relating to a plurality of cross-domain systems, and a multi-account system which is suitable for a complex environment of cross-domain multi-user management, cross-domain data interaction and cross-domain logic execution is designed for the system:
as shown in fig. 2, the account hierarchy is divided into 5 levels: user accounts (application level), cross-domain accounts, chain accounts (blockchain accounts), consensus accounts, CA management accounts.
The user account is an application level account, the user application account of the poverty-alleviation loan management system corresponds to the application user, the service end controls the visible interface and the operation which can be carried out by the service end, and in addition, the calling authority of data, the interface and the intelligent contract on the block chain network is controlled through the one-to-one correspondence with the chain accounts.
The cross-domain account is a user application account on the cross-domain application, and the block chain network establishes one-to-one correspondence between the chain accounts and the cross-domain accounts according to the requirements of cross-domain participants, so that the control of the calling authority of data, interfaces and intelligent contracts on the block chain network is realized. The credit system for processing loans and the accounting system for processing account information in the bank are also regarded as cross-domain systems, and are connected with the poverty relief loan management system through cross-domain accounts to realize data chaining, interface and intelligent contract calling.
The chain account is an account on a blockchain network, in the management system, each participant can be logically virtualized into an organization, for example, a blockchain organization 1 in fig. 1 is a blockchain network organization of a bank, each organization has 1 to n unequal blockchain nodes according to requirements, and a CA, and the chain account is generated by the CA and issues public and private key pairs and certificates. The chain account is configured with different data, interfaces and calling authorities of intelligent contracts according to requirements and corresponds to an application user, so that effective and unique evidence can be stored for the behavior and data of the user, and the authority of the chain account is broadcasted in the whole network and written into a database of each node.
The consensus account belongs to one of chain accounts, cannot be called by any application user, can only be called by the consensus nodes during consensus, is mainly used for achieving consensus among the consensus nodes and has calling permissions of all data, interfaces and intelligent contracts on a block chain network. The method is used for ensuring that the execution results of the incoming data, the operation and the intelligent contract are real and effective.
And the CA management account is used for managing the block chain network organization CA, controlling the admission of personnel, applying for the chain account, and generating and issuing certificates and public and private key pairs, and each participant can master the CA account and formulate personnel admission rules.
Therefore, through the 5-level account system, firstly, the user account and the cross-domain account realize the control of the interface which can be viewed by the application end user and the executable operation authority; secondly, controlling the calling authority of the user to the block chain network through the one-to-one correspondence of the user account, the cross-domain account and the chain account, and carrying out unique evidence storage on the user behavior; thirdly, realizing consensus through a consensus account with complete authority on the chain, and ensuring that the uplink data is real; and fourthly, managing the admission of account control personnel through the CA.
Second, controlled sharing and supervision of information on the chain
Sharing of data is one of the basic goals of the system, and the following is achieved through sharing of data: the method has the advantages that firstly, multi-party data are aggregated, technologies such as big data and data mining are combined, more accurate user images are provided, whether the user is a poor user meeting policy requirements or not and whether repayment will or will not exist are identified, and credit risk is reduced; secondly, linking up data streams, approval streams and fund streams to achieve the purpose of storing certificates; and thirdly, real-time supervision is realized by controlling and opening the data flow, the approval flow and the fund flow on the chain to a government supervision organization with qualification competence.
The controlled sharing adopts a solution scheme of combining chain account data access authority control and DH secret key exchange, and in addition, the controlled sharing effect of the data can be achieved by adopting the structure of the file sharing library. Firstly, as can be known from the system architecture, common users are isolated outside the poverty relief loan management system, and access data, interfaces and intelligent contracts are controlled by the poverty relief loan management system and the chain account authority control module. The participators of banks, governments and the like have block chain nodes and all data on the chain, participator users correspond to the chain accounts one by one, and data access of the participator users is limited by setting the data access permission of the chain accounts on the block chain. The access authority of the chain account is written into the block chain to perform whole network broadcasting, and a single participant cannot change the access authority of the single participant. If there is a higher security requirement, under the condition that all the participating parties (including government agencies with supervision authorities) reach an agreement, the information participating parties can exchange keys through a DH key exchange algorithm, and the information is encrypted and written into the block, so that the privacy of the information can be ensured. And the file sharing library is adopted, only the HASH value of the data is linked, and the data is provided for the participants in a controlled mode through the file sharing library, so that the data sharing range is controlled.
The user data, contract data, approval data, fund release data and data needing supervision required by the user portrait are all subjected to uplink sharing, and the method specifically comprises the following steps: user data, chain account authority information, fund transfer information, contract information (contract subjects, objects, other key information, the HASH value of a contract scanning piece and the like), application information, approval information, intelligent contract information, an intelligent contract execution result and the like.
Three, intelligent contract, consensus mechanism and cross-domain logic execution
In order to minimize the workload of each system modification, data sharing is realized primarily through a distributed ledger (or a distributed database) of a block chain, and cross-domain logic trusted execution is realized through a block chain intelligent contract. Each intelligent contract will be issued throughout the blockchain and chain-certified to the issuer, time, version, HASH, etc. Trusted execution of blockchains will require coordination of consensus mechanisms.
As shown in fig. 3, the intelligent contract of the system is called by the service end of the poverty relief loan management system, and the intelligent contract is called by the operation of the user and is initiated according to the operation of the user; and the other method is that when the intelligent contract reaches a certain appointed condition, the intelligent contract is automatically executed, such as the ending date of the loan, the intelligent contract is automatically called to carry out ending, or the cross-domain approval is carried out, and after the cross-domain user finishes the approval, the intelligent contract is operated according to the approval result. The intelligent contracts related to the system have long running period, more related users, more cross-domain applications and more links with long flow, so that the system adopts the execution of intermediate results and the execution of request uplink for cross-domain and asynchronous execution and calling. Performing cross-domain execution, such as the aforementioned cross-domain approval, by each party agreeing on a cross-domain calling protocol, in the process of executing an intelligent contract, once cross-domain execution is found to be needed, writing cross-domain calling protocol data into a block chain, initiating a program according to the protocol after cross-domain application obtains the cross-domain calling protocol data from the block chain, after the whole cross-domain execution is completed, writing an execution condition into the block chain according to the cross-domain calling protocol by the cross-domain application, and further calling the intelligent contract by a service end of the poverty-supporting loan management system according to an execution result obtained from the block chain until the execution of the intelligent contract is completed.
The poverty relief loan management system designs the following intelligent contracts: the method comprises the following steps of a delinquent loan approval process contract (PAL _ SC _ Approve), a loan management contract (PAL _ SC _ Manage) and a delinquent Interest application contract (PAL _ SC _ Interest).
The poverty-facilitating loan approval process contract PAL _ SC _ Approve abstracts the processes of poverty-facilitating object confirmation, poverty-facilitating loan application and the like which are commonly participated by related participators such as poverty-facilitating objects, governments, banks and the like into an intelligent contract, wherein a plurality of processes are realized by the original system processes of all the participators in a cross-domain calling mode, and the execution result is fed back to all the participators through a block chain network only according to a cross-domain calling protocol.
The loan management contract (PAL _ SC _ Manage) abstracts the terms of the loan contract into an intelligent contract, abstracts main parameters of the loan contract, such as borrower, time, deadline length, interest rate, interest date and the like, and takes the abstract parameters as input parameters of the loan management contract (PAL _ SC _ Manage), and the intelligent contract automatically operates according to the parameters. The main behaviors of the intelligent contract comprise contract generation, loan issuance, interest bearing deduction, loan expiration, default handling, loan risk monitoring (realized by cross-domain application of credit, an accounting system, a wind control system and the like), and the like, and a plurality of modules need to be called to realize the cross-domain operation.
According to the agreement between the bank and the government, the poverty-relief Interest application contract (PAL _ SC _ Interest) automatically Interest at intervals to generate Interest application, applies Interest loan to the government through a block chain network, and the Interest approval can be carried out on the own system or the poverty-relief loan management system according to the requirements of the government department. After approval, relevant government agencies issue poverty-relief loan interest to designated accounts of banks through own systems, the banks also issue the interest to accounts of poverty-relief objects through own account systems, and relevant fund issuing information links deposit certificates.
In addition, in order to ensure that the intelligent contract is created, modified and put into operation to accord with the agreement results of each party, an intelligent contract commissioning mechanism is constructed, firstly, each party jointly constructs an intelligent contract commissioning environment, and the specific contract online deployment process comprises the following steps:
1. the method comprises the following steps that all participants negotiate an intelligent contract together, agree with different execution conditions (input) of the intelligent contract together, agree with expected results of contract execution under different conditions, and make a called protocol and an interface;
2. the intelligent contract is realized by a certain participant (generally a bank);
3. the method comprises the following steps that all participants verify through a test operation environment test that whether an intelligent contract execution result meets a formulated expected result or not and whether an alarm is correctly provided or not under the execution condition that the intelligent contract execution result does not meet an advance agreement;
4. if the intelligent contract accords with the expected result, the intelligent contract is officially issued and is operated on line.
Thus, the system solves the information asymmetry through the blockchain, the intelligent contract solves the automation problem, and the blockchain network of the system not only shares the information, but also shares the execution.
Consensus mechanism
To implement reliable contract execution, we select a PBFT algorithm (Practical Byzantine Fault-tolerant algorithm) based on the problem of the general of Byzantine, as shown in fig. 4, where C is a client, 0, 1, 2, and 3 are consensus nodes, where 0 is a master, and 2-3 are duplicates, and the flow is as follows:
REQUEST: the client sends a request to the host node to call service operation;
2, PRE-PREPARE: the main node executes the request and sends the execution result and the request (namely a pre-prepare information) to other copies through broadcasting;
3, PREPARE: all the copies execute the request, and if the execution result of the master node is agreed, a piece of prefix information is sent to other nodes;
4, COMMIT: when the node receives 2f +1 prefixes (including the prepare of the node itself), the commit message is sent to other nodes.
5. REPLY: when the node receives 2f +1 commit, the result is sent back to the client, and the client needs to wait for f +1 different replica nodes to send back the same result as the final result of the whole operation.
In the poverty relief loan management system, the key is two steps 2 and 3, all the common nodes execute the request, and only the execution result is consistent with the result of the main node, the confirmation can be carried out, so that the credible logic execution between the cross-domain systems is ensured. Therefore, in the poverty-alleviation loan management system, a consensus account is designed, the account has complete data, interfaces and intelligent contract invoking rights, the account cannot be invoked by any user or poverty-alleviation loan service terminal and cross-domain application, and the account is only allowed to be invoked by a specified block chain consensus node when the block chain network achieves consensus. The consensus node checks the block information through the account, executes the intelligent contract and compares the result, confirms that the transaction is up-to-date, confirms the signature information and the like, and if and only if the conditions are passed, the consensus node sends a prefix message and determines that the request is legal to execute if the consensus node receives 2f +1 prefixes and commit. In addition, the system selects a policy that all participant nodes endorse in common to further ensure the trustworthiness of the logic execution.
Block data structure
The system follows the block chain structure of Hyperhedger Fabric, but the data specifically put into the block is a cross-site communication protocol (hereinafter referred to as a cross-site protocol), which is achieved according to the communication coordination among all the participants, wherein the part related to cross-site intelligent contract calling is referred to as a cross-domain calling protocol, the data of each operation (including transaction, application, data storage, data exchange and the like) is formatted according to the cross-site protocol data structure and put into the block, and one or more operation data can be put into each block. The cross-site protocol of the system specifies that the operation data adopts JSON data exchange format, and the main definitions are as follows: operation type (OperationType), operation target (OperationUser), operation data (OperationData), ID, associated HASH (prehash), HASH, and the like. The following keywords are mainly specified to represent the operation type of the system: transaction, approval, certificate storage, data extraction, intelligent contract calling, password exchange and the like. The operation object may be a specified object or objects. The operational data may be in a variety of different formats depending on the type of operation. The ID is a unique number value of the present operation. The associated HASH is a HASH value of the previous operation or the flow to which the operation belongs. HASH is the HASH value of this piece of data. The data structure is as follows:
execution of poverty relief loan
As shown in fig. 5, the poverty-supported loan management system is mainly divided into a poverty-supported object confirmation stage, a poverty-supported loan application stage, a poverty-supported loan management stage, and a poverty-supported loan Interest application stage, and in the latter three stages, a poverty-supported loan approval process contract (PAL _ SC _ Approve), a loan management contract (PAL _ SC _ manager), and a poverty-supported Interest application contract (PAL _ SC _ Interest) are respectively invoked.
The four phases are not performed sequentially, wherein a certain process and a certain phase are repeatedly performed during the whole period of existence of the poverty-debilitated loan. The cross-domain application relates to government application and bank non-poverty loan management system application, is unified into the cross-domain application for simplicity and clarity, is only marked in the execution process, and the specific execution flow of the cross-domain application is also skipped.
As can be seen from fig. 5, the data exchange and cross-domain call between the poverty-alleviation loan management system and the cross-domain system are performed through the block chain layer, and the intelligent contract layer is responsible for the cross-domain logic execution, and the consensus mechanism ensures the logic execution credibility, and the block chain layer performs the execution verification.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.
Claims (6)
1. A poverty relief loan management system is characterized in that: the system comprises a server, a file sharing library and a block chain network;
the service end is used for being responsible for user authority control, credit information logic processing, data interaction with a block chain network, calling of an intelligent contract and data storage;
the file sharing library is used for sharing files;
the block chain network is used for carrying out deposit management on information flow, approval flow and fund flow in the poverty relief loan, and the block chain carries out data exchange of cross-domain application; performing cross-domain application logic execution by using an intelligent contract to complete data flow and process flow of poverty relief loans among a plurality of participants; realizing the access authority control of the data and the interface on the link;
the intelligent contracts comprise poverty-alleviation loan approval process contracts, loan management contracts and poverty-alleviation interest application contracts;
the poverty-alleviation loan approval process contract abstracts poverty-alleviation object confirmation and poverty-alleviation loan application processes commonly participated by related participants into a contract, and feeds back poverty-alleviation execution results to each participant through a block chain network according to a cross-domain calling protocol;
the method comprises the following steps of (1) carrying out loan management contract, abstracting loan contract terms into contracts, abstracting borrowers, time, deadline length, interest rate and interest bearing date in the loan contract, and using the abstracted loan contract as input parameters of the loan management contract, wherein the contracts run according to the parameters; the main actions of the contract comprise contract generation, loan issuance, interest bearing deduction, loan expiration, default handling and loan risk monitoring;
according to the agreement between the bank and the government, the poverty-relief loan application contract automatically gets interest at intervals to generate a poverty-relief application, applies for poverty-relief loan to the government through a block chain network, after approval, relevant government agencies post the release of poverty-relief loan into a designated bank account, the bank releases the interest into a poverty-relief object account, and relevant fund release information links the deposit certificate.
2. The poverty relief loan management system according to claim 1, wherein: the system is provided with a user account, a cross-domain account, a chain account, a consensus account and a CA account;
the user account is an application-level account, and the calling authority of data, interfaces and intelligent contracts on the block chain network is controlled through one-to-one correspondence with the chain accounts;
the cross-domain account is a user application account on the cross-domain application, and the block chain network establishes one-to-one correspondence between the chain accounts and the cross-domain accounts according to the requirements of cross-domain participants, so that the control of the calling authority of data, interfaces and intelligent contracts on the block chain network is realized;
the chain account is an account on a block chain network, each participant is virtualized into an organization, each organization has 1 to n block chain nodes and a CA according to requirements, the chain account is generated by the CA and issues public and private key pairs and certificates, the chain account configures different data, interfaces and calling authorities of intelligent contracts according to requirements, corresponds to a user account, and effectively and uniquely stores the behaviors and data of the user, and the authorities of the chain account are subjected to network-wide broadcasting and written into a database of each block chain node;
the consensus account is used for achieving consensus among consensus nodes, has all calling authorities of data, interfaces and intelligent contracts on the block chain network, and is used for ensuring that the execution results of the chain-entering data, the operation and the intelligent contracts are real and effective;
and the CA management account is used for managing the CA in the block chain network organization, controlling the admission of personnel, applying for the chain account, and generating and issuing certificates and public and private key pairs, and all the participants master the CA account and formulate personnel admission rules.
3. The poverty relief loan management system according to claim 2, wherein: the algorithm for achieving consensus among the consensus nodes is a PBFT algorithm.
4. The poverty relief loan management system according to claim 1, wherein: the file sharing library is used for sharing files, and stores a HASH value of each shared file to the blockchain network.
5. The poverty relief loan management system according to claim 1, wherein: the blockchain network comprises a plurality of blockchain organizations, and each blockchain organization comprises at least one blockchain node and a digital certificate; the block link point comprises a database for storing uploaded data.
6. The poverty relief loan management system according to claim 5, wherein: the uploaded data is encrypted data or plaintext data; and under the condition that the encrypted data reaches an agreement for each party, the information parties exchange keys through a DH key exchange algorithm, and then encrypt the data.
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