CN112053239B - Financial asset transaction cloud platform based on blockchain - Google Patents
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Abstract
The invention relates to a financial asset transaction cloud system based on a blockchain, which comprises an IaaS layer, a PaaS layer, a SaaS layer and a Client layer. The SaaS layer is a financial asset transaction cloud platform based on a blockchain, and the transaction cloud platform comprises a user side asset transaction platform and a business side operation management platform; the asset transaction platform comprises a client center, an account center, a product and service center, a data center and an operation marketing center; the operation management platform comprises an operation management system, a risk monitoring management system and an operation maintenance monitoring management system; the asset trading platform forms the blockchain comprised of a supervisory authority of financial transactions, an asset register circulation mechanism, a personal trading mechanism, and an enterprise trading mechanism. The PaaS layer comprises a service registration center, a data service layer, a basic service layer, a service warehouse layer, an operation and maintenance management platform, a risk management platform and an IDE development platform.
Description
Technical Field
The invention belongs to the technical field of financial asset transaction, and particularly relates to a financial asset transaction cloud system based on a blockchain.
Background
The financial asset, the symmetry of the physical asset, is a generalized intangible asset, is an asset which is owned by a unit or an individual and exists in a value form, is an intangible right for asking for the physical asset, can bring spot or long-term monetary income flow to a holder, and is a generic term for all financial tools which can be traded in the organized financial market and have real prices and future valuations. Financial assets include bank deposits, cash in inventory, accounts receivable, receivables, loans, bonds, stocks, funds, financial derivative instruments, and the like. The financial assets can be directly traded in a financial asset exchange or a trading center, and are generally more mobile than physical assets such as land, real estate and the like.
At present, a large amount of enterprise financial asset transactions in domestic and foreign markets are concentrated to be carried out on-line, so that quick on-line transactions cannot be realized, cloud data management cannot be realized, and meanwhile, the problems of authenticity of the financial asset, transaction safety and the like exist.
Disclosure of Invention
In order to solve the technical problems, the invention provides a financial asset transaction cloud system based on a blockchain. The book is provided with
The invention discloses a financial asset transaction cloud system based on a blockchain, which is a cloud system for providing comprehensive internet financial services, and a complete transaction data chain, a customer information chain and a financial industry chain which cover enterprises, individuals and financial institutions are built based on advanced technologies such as mobile internet, cloud computing, big data and social interaction; the platform further performs data acquisition, mining and analysis through a blockchain and big data technology, and finally realizes a scientific pricing system under full risk coverage, so that the fund risk of enterprises in an information asymmetric environment in the investment and financing process is fundamentally solved.
The financial asset transaction cloud system based on the blockchain plays an intermediary role in the whole financial activity process, is mainly responsible for information disclosure, optimizes resource allocation and reduces enterprise operation cost. The platform takes the client drive as a guide, and in the whole financial activity process, the client is not a participant of the financial activity any more, but a master of the financial activity; the platform provides diversified and comprehensive financial services with institutional investors, entity enterprises and individuals as cores, and really provides the requirements of clients through client analysis, business information analysis and resource management schemes.
The financial asset transaction cloud system based on the blockchain mainly comprises trust, insurance, financing, delegated creditor, credit asset, bill and the like from the aspect of product types; from the bottom level of the product transaction, including credit assets, trusted loans, delegated creditor rights, acceptance draft, credit card, receivables, various types of receivables, equity financing with repudiation terms, and the like. The financial products are abundant, so that the problem of fluidity of nonstandard assets is solved on one hand; on the other hand, the method also expands enterprise financing projects to different degrees, enriches the financing demands of different levels of capital markets, and finally widens the socialization financing channel, thereby being beneficial to relieving the problems that the trading platform projects are seriously unequal to funds and a large amount of idle funds wait for the projects and improving the funds allocation efficiency.
The invention discloses a financial asset transaction cloud system based on a blockchain, which comprises an IaaS layer, a PaaS layer, a SaaS layer and a Client layer; the method is characterized in that:
the SaaS layer is a financial asset transaction cloud platform based on a blockchain, and the transaction cloud platform comprises a user side asset transaction platform and a business side operation management platform; the asset transaction platform comprises a client center, an account center, a product and service center, a data center and an operation marketing center; the operation management platform comprises an operation management system, a risk monitoring management system and an operation maintenance monitoring management system; the asset transaction platform forms the blockchain composed of a supervision mechanism, an asset registration circulation mechanism, a personal transaction mechanism and an enterprise transaction mechanism of financial transactions, wherein the supervision mechanism in the blockchain coordinates the organization coordination, the asset registration circulation mechanism is responsible for, the transaction mechanisms participate together, a unified digital specification of financial assets and an intelligent contract of the financial assets are formulated, and the blockchain adopts a two-stage account mode to manage members of the transaction mechanisms;
The PaaS layer comprises a service registration center, a data service layer, a basic service layer, a service warehouse layer, an operation and maintenance management platform, a risk management platform and an IDE development platform; all services must be registered with the service registry to be invoked; the data service layer provides data storage of block chain data, and high-efficiency data access efficiency is achieved by using a distributed data access technology.
Preferably, the transaction cloud platform realizes quick information propagation through a social network, and forms an ecological ring with seamless butt joint of information flow and fund flow fully combined with the financial ecological ring.
Preferably, the two-stage account mode performs member management on the transaction mechanism in a specific form: firstly, the asset registration circulation mechanism examines real-name authentication data submitted by each transaction mechanism, and writes the authentication information into a blockchain after the examination is passed and opens a member account for each transaction mechanism; then, a pair of secret keys are distributed for each member account by a blockchain, wherein the secret keys are stored by the transaction mechanism or by a system, and if necessary, authorized access of an external supervision and audit mechanism is provided; the member account is a main account number, a plurality of financial asset transaction accounts are arranged, and all the financial asset issuing, transaction, transfer and clearing are embodied on the financial asset transaction account level; the financial asset transaction account is limited and public and retrievable according to relevant regulation system rules, does not contain member account information, and provides privacy protection for members at the transaction level.
Preferably, the client center provides member registration, login, and member setting management functions; the account center provides asset management, account management and payment settlement functions; the product and service center is a collection of various products and services, and provides financing products, loan products and financial services for the platform; the data center integrates platform data, external data and ecological circle data for effective analysis to form a data base for operation marketing, risk control and credit rating; the operation marketing center provides operation management and marketing management for the transaction cloud system.
Preferably, the basic service layer is a collection of some atomization service or component library which is irrelevant to business and is used for being further packaged into an upper application service; the atomization service comprises a flow engine, a search engine, a task scheduling, identity authentication, authority rights of an organization, a message engine, payment settlement and a rule engine; the component library encapsulates various common functions, objects, algorithms.
Preferably, data exchange is performed between the service warehouse layer and other subsystems in a service calling mode, and the service warehouse layer mainly comprises common application subsystems of Redis, rabbitMQ, application monitoring and ES, kafka, hbase, spark which are relatively independent.
Preferably, the IDE development platform comprises an application development environment and various quick development frameworks; the development framework comprises a front-end application framework, a mobile application development framework, a background Java development framework and various development platforms of a test service framework at the PC end.
Preferably, the operation management system is used by business management staff at all levels, is used for customizing and managing the background products and services of the asset transaction cloud platform based on the blockchain, and can be used by business staff to complete business operations of business customization, parameter management, marketing management, product definition and report query
Preferably, the risk monitoring management system is a subsystem for performing risk monitoring on the asset transaction cloud platform based on the blockchain, and an online risk monitoring and reminding of the asset transaction platform business can be realized by setting some risk control elements and establishing a risk monitoring model.
Preferably, the operation and maintenance monitoring system is an application system provided for operation and maintenance personnel to use, and the operation and maintenance personnel can realize real-time monitoring of the existing system, check the running state of the system process and carry out system fault alarm to the operation and maintenance personnel through the system.
Compared with the prior art, the scheme provided by the embodiment of the invention has at least the following beneficial effects:
(1) The financial asset transaction cloud system based on the blockchain adapts to the development requirements of financial industry in China. The invention meets the current financial development direction and the future, meets the scientific and technological finance and innovation financial requirements of the financial industry, especially commercial banks, and simultaneously greatly promotes the reform of the transaction mode of the financial industry, brings more capital inflow and creates higher economic benefit.
(2) Advanced technologies such as block chains, big data and the like are adopted in the platform, so that a great amount of system development and application are realized, and financial business innovation is combined. The research personnel, platform operators and practitioners of the business development of financial institutions around the platform can be thousands of people, and the project can bring financial income of hundreds of millions of yuan for the city besides relieving employment problems.
(3) The research and development of the invention is helpful for the economic transformation and upgrading of China. At present, a large amount of enterprise financial asset transactions in domestic and foreign markets are concentrated and subjected to online transaction, so that quick online transaction cannot be realized, cloud data management cannot be realized, and meanwhile, the problem of authenticity and transaction safety of the financial asset is solved by a blocked product. The invention systematically solves the Internet link security risk of the past blockized products by utilizing the cloud technology and the big data technology, thereby accelerating the research and development process of the project, completing the research and development of the products in the early days, pushing the products to domestic and foreign markets, occupying the market share of domestic banking industry, creating greater economic benefit, pushing the financial innovation and industrial economic development of China and helping the economic transformation and upgrading of China.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments will be briefly described below, it will be obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of the overall architecture of a blockchain-based financial asset transaction cloud system in an embodiment of the invention.
Fig. 2 is a block chain structure diagram of an asset transaction platform in a blockchain-based financial asset transaction cloud system according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail below with reference to the accompanying drawings, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The terminology used in the embodiments of the application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise, the "plurality" generally includes at least two.
It should be understood that the term "and/or" as used herein is merely one relationship describing the association of the associated objects, meaning that there may be three relationships, e.g., a and/or B, may represent: a exists alone, A and B exist together, and B exists alone. In addition, the character "/" herein generally indicates that the front and rear associated objects are an "or" relationship.
It should be understood that although the terms first, second, third, etc. may be used in embodiments of the present application to describe XXX, these XXX should not be limited to these terms. These terms are only used to distinguish between XXX. For example, a first XXX may also be referred to as a second XXX, and similarly, a second XXX may also be referred to as a first XXX, without departing from the scope of embodiments of the application.
The words "if", as used herein, may be interpreted as "at … …" or "at … …" or "in response to a determination" or "in response to a detection", depending on the context. Similarly, the phrase "if determined" or "if detected (stated condition or event)" may be interpreted as "when determined" or "in response to determination" or "when detected (stated condition or event)" or "in response to detection (stated condition or event), depending on the context.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a product or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such product or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a commodity or system comprising such elements.
Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings.
As shown in fig. 1, the financial asset transaction cloud system based on the blockchain in this embodiment includes an IaaS layer, a PaaS layer, a SaaS layer and a Client layer.
The IaaS layer is primarily a virtualized infrastructure that includes host resources, storage resources, network resources, and other basic computing resources.
The PaaS layer comprises a service registration center, a data service layer, a basic service layer, a service warehouse layer, an operation and maintenance management platform, a risk management platform and an IDE development platform.
The service registration center can realize a reliable, simple and configuration information storage scheme with configuration modification effective in real time by means of the zookeeper based on the characteristics of the zookeeper. All services must be registered with the service registry to be invoked.
The data services layer provides a distributed data storage and access solution. The data service layer can provide structured and unstructured mass data storage, and high-efficiency data access efficiency can be realized by using the distributed data access technology.
The basic service layer is a collection of some atomization service or component library which is irrelevant to business and can be used for application service further packaged into an upper layer. The atomization service comprises a flow engine (such as workflow), a search engine, task scheduling, identity authentication (registration, login and the like), authority rights, a message engine, payment settlement, a rule engine and the like. The component library encapsulates various common functions, objects, algorithms, etc., such as common components for case-to-case conversion, interest rate calculation, exchange rate conversion, etc.
The service warehouse layer is different from the basic service layer in that data exchange is performed between the service warehouse layer and other subsystems in a service calling mode. The service warehouse layer is mainly provided with a plurality of relatively independent public application subsystems, including Redis, rabbitMQ, application monitoring, ES, kafka, hbase, spark services and other subsystems. Because these subsystems can be used by multiple upper application systems, they are typically deployed in an independent construction manner, so as to facilitate flexible expansion in the future.
The IDE development platform mainly comprises an application development environment and various quick development frameworks so as to meet the quick iteration and deployment of new requirements. The development framework comprises a front-end application framework, a mobile application development framework, a background Java development framework, a test service framework and other development platforms at the PC end. A large number of reusable application components are accumulated on the development frames, so that development cost can be effectively reduced, implementation period can be shortened, development quality can be improved, and dependence on technology can be reduced.
The software and hardware equipment constructed on the cloud platform also needs strict operation and maintenance management, and the operation and maintenance management platform mainly comprises operation monitoring, real-time scheduling, remote control and other work of the whole platform.
The risk management platform comprises contents such as system risk monitoring, operation risk monitoring, real-time transaction monitoring, compliance management and control and the like, and can discover some potential risks through strengthening the risk management and control, so that various hidden dangers are completely eradicated.
The SaaS layer is a financial asset transaction cloud platform based on a blockchain, the transaction cloud platform realizes quick information propagation through a social network, and meanwhile, the transaction cloud platform and a financial ecological ring form a seamless information flow and fund flow fully combined ecological ring.
The transaction cloud platform comprises a user side asset transaction platform and a service side operation management platform.
The asset transaction platform includes a customer center, an account center, a product and service center, a data center, and an operations marketing center. The client center provides member registration, login and member setting management functions; the account center provides the functions of asset management, account management, payment settlement and the like; the product and service center is a collection of various products and services, and provides financing products, loan products, financial services and the like for the platform; the data center integrates platform data, external data and ecological circle data for effective analysis to form a data base for operation marketing, risk control and credit rating; the operation marketing center provides operation management and marketing management for the transaction cloud system.
The asset transaction platform forms the blockchain consisting of a supervision mechanism, an asset registration circulation mechanism, a personal transaction mechanism and an enterprise transaction mechanism of financial transactions, as shown in fig. 2, wherein the supervision mechanism in the blockchain coordinates the organization coordination, the asset registration circulation mechanism is responsible for, the transaction mechanisms participate together, and unified digital specifications of financial assets and intelligent contracts of financial assets are formulated, and the blockchain adopts a two-stage account mode to conduct member management on the transaction mechanisms. The two-stage account mode is used for carrying out member management on the transaction mechanism in the specific form that: firstly, the asset registration circulation mechanism examines real-name authentication data submitted by each transaction mechanism, and writes the authentication information into a blockchain after the examination is passed and opens a member account for each transaction mechanism; then, a pair of secret keys are distributed for each member account by a blockchain, wherein the secret keys are stored by the transaction mechanism or by a system, and if necessary, authorized access of an external supervision and audit mechanism is provided; the member account is a main account number, a plurality of financial asset transaction accounts are arranged, and all the financial asset issuing, transaction, transfer and clearing are embodied on the financial asset transaction account level; the financial asset transaction account is limited and public and retrievable according to relevant regulation system rules, does not contain member account information, and provides privacy protection for members at the transaction level.
The operation management platform comprises an operation management system, a risk monitoring management system and an operation maintenance monitoring management system. The operation management system is used by business management staff at all levels and is used for customizing and managing the background products and services of the asset transaction cloud platform based on the blockchain, and the business staff can complete business operations of business customization, parameter management, marketing management, product definition and report query on the business management system. The risk monitoring management system is a subsystem for performing risk monitoring on the asset transaction cloud platform based on the blockchain, and an online risk monitoring and reminding of the asset transaction platform business can be realized by setting some risk control elements and establishing a risk monitoring model. The operation and maintenance monitoring system is an application system for operation and maintenance personnel to use, and the operation and maintenance personnel can realize real-time monitoring of the existing system, check the running state of the system process and carry out system fault alarm to the operation and maintenance personnel through the system.
The Client layer is a window for the user to interact with the asset transaction platform, and is a contact for various channel users for providing products and services for the platform. The customers can enjoy products and services provided by the transaction platform through the equipment such as PC, iphone mobile phones, various Android mobile phones, pad and the like, and can transact platform financial business through channels such as WeChat and the like to acquire platform financial information. The member obtains simple, convenient and beautiful user experience through the unified portal.
In the first stage of constructing the financial asset transaction cloud platform based on the blockchain, the docking with various social media such as WeChat, microblog, SNS and the like can be finished, the rapid propagation of information is realized through a social network, and the capacity of internet public praise marketing is enhanced. The asset transaction platform also needs to form a seamless information flow and fund flow combined ecological circle with the finance ecological circle.
The invention aims at main indexes of cloud computing technology:
Communication system
And each network node is organized by adopting a cloud technology, and each node realizes routing, new node identification and data propagation through multicasting, so that the real-time performance is high.
Storage of
In support of sea level storage, data is stored in memory in a block chain data structure during run-time, and finally is stored in a database in a persistent manner. For larger files, the digest (digital fingerprint) may also be stored in an off-chain file system while the digest (digital fingerprint) is saved to the chain for self-certification. For the present platform, a data store is required that supports high frequency transaction payments.
Security mechanism
The big data system under the cloud technology architecture performs data encryption and privacy protection through an asymmetric encryption algorithm, and a high-strength high-reliability security algorithm is a basic requirement, and needs to reach the national security level, and has certain advantages in efficiency.
Modularization and plugin
The core functions of the system are modular, configurable and extensible to facilitate the construction of upper layer applications. The book is provided with
The invention aims at main indexes related to the computing technology:
Mass computing
The system is required to be capable of timely processing concurrent large-scale mass calculation, carrying high-concurrency and high-load business transaction requests and providing high-performance business transaction processing response capability.
High reliability
Ensuring that the platform transaction system actually realizes 7 x 24 x 365 operation.
Communication system
The millisecond communication efficiency is realized, and the network communication cannot become a processing bottleneck of the whole system.
Security mechanism
The online financial asset commodity performs digital certificate authentication and encryption transmission, and ensures commodity storage safety and platform transaction safety.
The invention aims at main indexes of block chain technology
Definition and workflow
The blockchain technology is that under the condition of asymmetric information, mutual assurance trust or participation of a third party intermediary is not needed, and a trust mechanism which is commonly passed between nodes based on a consensus mechanism and an encryption algorithm is adopted.
Trusted and consensus mechanism
The system adopts a PoS consensus mechanism, the consensus speed is high, compared with the PoW consensus mechanism, the resource consumption caused by mathematical operation is reduced, the performance is correspondingly improved, and 50% of nodes of the whole network are allowed to make errors in the aspect of fault tolerance.
Information security standard
Encryption of information is a key link of a blockchain, and is mainly an algorithm of a hash function and asymmetric encryption. The asymmetric encryption part uses a private key to prove node ownership and is realized through digital signature; the hash algorithm is used to transform an input of any length into an output of a fixed length consisting of letters and numbers, which is irreversible and thus non-tamperable.
The invention aims at the main indexes of artificial intelligence technology:
Automated services
All the service processes are intelligent automatic service, no manual intervention, self-service initiation, self-service processing and self-service operation.
High reliability
Ensuring that the platform transaction system actually realizes 7 x 24 x 365 operation.
Security mechanism
The system adopts various strategies such as identity authentication, access control, information encryption and the like to improve confidentiality and security of network information and support digital certificate authentication.
Rights control
And the intelligent agent service robot automatically generates a black-and-white list aiming at each digital commodity according to the credit and purchase payment result of the user, and performs omnibearing authority control.
The technical scheme and technical characteristics adopted in the implementation process of the technical scheme are shown in the table one:
| Type(s) | Selection of technology |
| Foundation frame | SpringFramework4.3.x |
| ORM framework | MyBatis3.4.x |
| Service administration | Dubbo2.5.x |
| Distributed service framework | Zookeeper3.4.x |
| Nosql | Redis3.x、Mongodb |
| Message queue | Activemq、kafka |
| Version management | SVN |
| Component management | Maven |
| IDE | Eclipse |
| MVC | SpringMVC |
| Database connection pool | Druid1.x |
| Rights management | ApacheShiro1.2.x |
| Json tool | fastjson-1.2.28.jar |
| Distributed file system | FastDFS |
| Scheduling | Quartz |
| Log (log) | Log4j、slf4j |
| Log collection and analysis | ELK(ElasticSearch,Logstash,Kibana) |
| Big data processing and analysis | Hadoop, spark, etc |
Table one: the technical scheme of the invention adopts the technical route and technical characteristics in the implementation process.
The risk description and countermeasures in the implementation process of the technical scheme of the invention are shown in the following table two:
and (II) table: risk description and countermeasures.
The apparatus embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and are not limiting; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention.
Claims (7)
1. A financial asset transaction cloud system based on a blockchain comprises an IaaS layer, a PaaS layer, a SaaS layer and a Client layer; the method is characterized in that:
the SaaS layer is a financial asset transaction cloud platform based on a blockchain, and the transaction cloud platform comprises a user side asset transaction platform and a business side operation management platform; the asset transaction platform comprises a client center, an account center, a product and service center, a data center and an operation marketing center; the operation management platform comprises an operation management system, a risk monitoring management system and an operation maintenance monitoring management system; the asset transaction platform forms the blockchain composed of a supervision mechanism, an asset registration circulation mechanism, a personal transaction mechanism and an enterprise transaction mechanism of financial transactions, wherein the supervision mechanism in the blockchain coordinates the organization coordination, the asset registration circulation mechanism is responsible for, the transaction mechanisms participate together, a unified digital specification of financial assets and an intelligent contract of the financial assets are formulated, and the blockchain adopts a two-stage account mode to manage members of the transaction mechanisms;
Wherein, the customer center provides member registration, login and member setting management functions; the account center provides asset management, account management and payment settlement functions; the product and service center is a collection of various products and services, and provides financing products, loan products and financial services for the platform; the data center integrates platform data, external data and ecological circle data for effective analysis to form a data base for operation marketing, risk control and credit rating; the operation marketing center provides operation management and marketing management for the transaction cloud system; the operation management system is used by business managers at all levels and is used for customizing and managing background products and services of the asset transaction cloud platform based on the blockchain; the risk monitoring management system is a subsystem for performing risk monitoring on the asset transaction cloud platform based on the blockchain; the operation and maintenance monitoring management system is an application system provided for operation and maintenance personnel;
The PaaS layer comprises a service registration center, a data service layer, a basic service layer, a service warehouse layer, an operation and maintenance management platform, a risk management platform and an IDE development platform; all services must be registered with the service registry to be invoked; the data service layer provides data storage of block chain data, and high-efficiency data access efficiency is realized by using a distributed data access technology; the service warehouse layer and other subsystems exchange data in a service calling mode, and the service warehouse layer mainly comprises a common application subsystem which is relatively independent Redis, rabbitMQ, application monitoring and ES, kafka, hbase, spark service; the IDE development platform comprises an application development environment and various quick development frames;
The financial asset transaction cloud platform realizes quick information propagation through a social network, and forms an ecological ring with seamless butt joint of information flow and fund flow fully combined with the financial asset ecological ring.
2. The transaction cloud system of claim 1, wherein the two-stage account model performs member management on the transaction facility in a specific form that: firstly, the asset registration circulation mechanism examines real-name authentication data submitted by each transaction mechanism, and writes the authentication information into a blockchain after the examination is passed and opens a member account for each transaction mechanism; then, a pair of secret keys are distributed for each member account by a blockchain, wherein the secret keys are stored by the transaction mechanism or by a system, and if necessary, authorized access of an external supervision and audit mechanism is provided; the member account is a main account number, a plurality of financial asset transaction accounts are arranged, and all the financial asset issuing, transaction, transfer and clearing are embodied on the financial asset transaction account level; the financial asset transaction account is limited and public and retrievable according to relevant regulation system rules, does not contain member account information, and provides privacy protection for members at the transaction level.
3. The transactional cloud system of claim 2, the base service layer being a collection of some atomized services or component libraries that are business independent for further packaging into upper layer application services; the atomization service comprises a flow engine, a search engine, a task scheduling, identity authentication, authority rights of an organization, a message engine, payment settlement and a rule engine; the component library encapsulates various common functions, objects, algorithms.
4. The transactional cloud system of claim 3, the development framework comprises a plurality of development platforms of a front-end application framework, a mobile application development framework, a background Java development framework, and a test service framework on a PC side.
5. The transaction cloud system of claim 1, wherein business personnel can complete business operations of business customization, parameter management, marketing management, product definition, report query on the operation management system.
6. The transaction cloud system of claim 1, wherein the risk monitoring management system establishes a risk monitoring model by setting some risk control elements, so that online risk monitoring and reminding of the asset transaction platform business can be realized.
7. The transaction cloud system of claim 1, wherein an operation and maintenance person can realize real-time monitoring of an existing system, check the running state of a system process and give a system fault alarm to the operation and maintenance person through the operation and maintenance monitoring management system.
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