CN112700327A - User confirmation method, device and system in financial scene - Google Patents

User confirmation method, device and system in financial scene Download PDF

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CN112700327A
CN112700327A CN202110027865.7A CN202110027865A CN112700327A CN 112700327 A CN112700327 A CN 112700327A CN 202110027865 A CN202110027865 A CN 202110027865A CN 112700327 A CN112700327 A CN 112700327A
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贺虎
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Beijing Kingsoft Cloud Network Technology Co Ltd
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Abstract

The invention provides a user confirmation method, a device and a system in a financial scene, when a user confirmation instruction sent by a first financial institution is received, user information of a target user to be confirmed is firstly obtained according to a user identification of the target user to be confirmed carried in the user confirmation instruction, and then an intelligent contract on a block chain is executed to confirm the user information of the target user to obtain a confirmation result; the method sets an intelligent contract based on the user confirmation strategies appointed by the financial institutions, can obtain the intelligent contract corresponding to the financial institutions due to different confirmation strategies appointed by different financial institutions, and then realizes the confirmation of the user information through the intelligent contract, does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.

Description

User confirmation method, device and system in financial scene
Technical Field
The invention relates to the technical field of block chains, in particular to a user confirmation method, a user confirmation device and a user confirmation system in a financial scene.
Background
KYC (Know Your Customer ) policy is ubiquitous in the financial industry. The KYC policy requires financial institutions to implement real-name systems of accounts, know the actual controller of the account and the actual beneficiary of the transaction, and also require sufficient knowledge of the identity of the customer, the standing address or the business engaged in by the enterprise, and take corresponding measures. Based on this, financial institution need the customer to provide original identity data when confirming customer's identity based on KYC policy, not only complex operation, still easily causes the risk of data leakage. In the related art, an identity confirmation system implemented based on a block chain is generally adopted, and the system can meet general KYC requirements, but KYC standards of financial institutions of different types or different regions are different, and the system is difficult to meet the KYC requirements under different standards.
Disclosure of Invention
In view of this, the present invention provides a method, an apparatus, and a system for user confirmation in a financial scenario to meet KYC requirements under different standards.
In a first aspect, an embodiment of the present invention provides a user confirmation method in a financial scenario, where the method is applied to a node device on a block chain; the method comprises the following steps: receiving a user confirmation instruction sent by a first financial institution; the user confirmation instruction carries a user identifier of a target user to be confirmed; acquiring user information of the target user according to the user identification; executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
Further, the user confirmation policy comprises at least one confirmation rule; the contract conditions of the intelligent contract comprise confirmation rules in the user confirmation policy; the intelligent contract is used for: judging whether the user information of the target user accords with the confirmation rule or not; if the user information accords with the confirmation rule, the confirmation result is that the confirmation is passed; and if the user information does not accord with the confirmation rule, the confirmation result is confirmation failure.
Further, the user confirmation policy specified by the first financial institution includes at least one confirmation rule in a preset confirmation rule set.
Further, the method further comprises: if the confirmation result is confirmation failure, generating an information supplement instruction; wherein the information supplement instruction is to indicate: supplementing user information of the target user based on the smart contract; returning the information supplement instruction to the first financial institution.
In a second aspect, an embodiment of the present invention provides a user confirmation method in a financial scenario, where the method is applied to a terminal device of a first financial institution; the method comprises the following steps: receiving a user identification of a target user to be confirmed, and generating a user confirmation instruction based on the user identification; sending the user confirmation instruction to a block chain so as to acquire user information of the target user through node equipment on the block chain according to the user identification; executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
Further, the method further comprises: and if receiving the information that the user information of the target user returned by the block chain is successfully confirmed, transacting preset financial services for the target user to be confirmed.
Further, the method further comprises: if an information supplement instruction returned by the block chain is received, acquiring updated user information indicated by the information supplement instruction, and sending the updated user information to the block chain so as to confirm the updated user information through the block chain; wherein the information supplement instruction is to indicate: and supplementing the user information of the target user to be confirmed based on the intelligent contract.
In a third aspect, an embodiment of the present invention provides a user confirmation apparatus in a financial scenario, where the apparatus is disposed in a node device on a block chain; the device comprises: the first receiving module is used for receiving a user confirmation instruction sent by a first financial institution; the user confirmation instruction carries a user identifier of a target user to be confirmed; the acquisition module is used for acquiring the user information of the target user according to the user identification; the confirming module is used for executing the intelligent contract on the block chain so as to confirm the user information of the target user and obtain a confirming result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
In a fourth aspect, an embodiment of the present invention provides a user confirmation apparatus in a financial scenario, where the apparatus is disposed in a terminal device of a first financial institution; the device comprises: the second receiving module is used for receiving the user identification of the target user to be confirmed and generating a user confirmation instruction based on the user identification; a sending module, configured to send the user confirmation instruction to a block chain, so as to obtain, by a node device on the block chain, user information of the target user according to the user identifier; executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
In a fifth aspect, an embodiment of the present invention provides a user confirmation system in a financial scenario, where the system includes: a node device on the blockchain, and a terminal device of the first financial institution; the terminal equipment of the first financial institution is used for receiving the user identification of the target user to be confirmed and generating a user confirmation instruction based on the user identification; sending the user confirmation indication to a blockchain; the user confirmation instruction carries a user identifier of a target user to be confirmed; the node equipment on the block chain is used for acquiring the user information of the target user according to the user identification; executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
In a sixth aspect, an embodiment of the present invention provides an electronic device, including a processor and a memory, where the memory stores machine executable instructions capable of being executed by the processor, and the processor executes the machine executable instructions to implement the user confirmation method in the financial scenario of any one of the first aspect or the second aspect.
In a seventh aspect, an embodiment of the present invention provides a machine-readable storage medium storing machine-executable instructions, which when invoked and executed by a processor, cause the processor to implement the user confirmation method in the financial scenario described in any one of the first aspect or the second aspect.
According to the user confirmation method, the device and the system in the financial scene, after a user confirmation instruction sent by a first financial institution is received, user information of a target user to be confirmed is obtained according to a user identification of the target user to be confirmed carried in the user confirmation instruction, and then an intelligent contract on a block chain is executed to confirm the user information of the target user to obtain a confirmation result; the method sets an intelligent contract based on the user confirmation strategies appointed by the financial institutions, can obtain the intelligent contract corresponding to the financial institutions due to different confirmation strategies appointed by different financial institutions, and then realizes the confirmation of the user information through the intelligent contract, does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
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, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a flowchart of a user confirmation method in a financial scenario according to an embodiment of the present invention;
FIG. 2 is a flow chart of a user confirmation method in another financial scenario provided by embodiments of the present invention;
FIG. 3 is a flow chart of a user confirmation method in another financial scenario provided by embodiments of the present invention;
FIG. 4 is a flow chart of a user confirmation method in another financial scenario provided by embodiments of the present invention;
fig. 5 is a schematic diagram illustrating an architecture of a user confirmation system in a financial scenario according to an embodiment of the present invention;
FIG. 6 is a flowchart illustrating an implementation process of an intelligent contract according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a user confirmation apparatus in a financial scenario according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a user confirmation apparatus in a financial scenario according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
At present, financial institution can confirm customer's identity based on KYC policy, can fully know your customer through KYC policy, carries out the intensive examination to the account holder, knows capital source legitimacy, and financial institution needs the customer to provide original identity data when confirming customer's identity based on KYC policy, not only complex operation, still easily causes the risk of data leakage. In the related art, a set of completely open-source entity identification and trusted data solutions is generally adopted, which can bear trusted mapping between the real identity of an entity object (person or thing) and the identity on a chain, and realize secure access authorization and data exchange between the entity objects. This solution currently mainly consists of two major modules: DID (Decentralized identity) and Credential (identity voucher). The DID module realizes a set of identity identification protocol which conforms to the distributed multi-center of the W3C (World Wide Web Consortium) DID specification on the bottom platform of the blockchain, so that the real identities of the entities such as people or things realize the identity identification on the chain; meanwhile, the DID gives an entity such as a person or thing the ability to directly own and control an Identity document (Identity identification number).
The Credential is equivalent to a verifiable digital certificate, and in the real society, various data can be used for representing entity identities and relationships among entities, such as identity cards, driving licenses, deposit certificates, prescriptions, graduation certificates, house property certificates and the like. Credential provides a complete set of solutions based on the W3C VC (VC is a software development tool) specification that can be standardized, electronically generated, and generate verifiable, exchangeable credentials (Credential). The entity identity identification and credible data solution provides a general electronic identity management method, mainly provides a solution for showing and verifying links of client digital certificates, can meet general KYC requirements, but has different KYC standards of financial institutions in different types or different regions, and cannot meet the KYC requirements under different standards without pertinently supporting financial KYC scenes.
Based on this, the user confirmation method, device and system provided by the embodiment of the invention can be applied to applications of a financial institution for confirming the identity of a client based on a KYC policy.
To facilitate understanding of the embodiment, first, a detailed description is given to a user confirmation method in a financial scenario disclosed in the embodiment of the present invention, where the method is applied to a node device on a block chain; the blockchain can be understood as a shared database, and data or information stored in the shared database generally has the characteristics of being unforgeable, having trace in the whole process, being traceable, being publicly transparent, being maintained in a collective way, and the like; in practical implementation, the blockchain may include a plurality of node devices; as shown in fig. 1, the method comprises the steps of:
step S102, receiving a user confirmation instruction sent by a first financial institution; and the user confirmation indication carries the user identification of the target user to be confirmed.
The first financial institution may be understood as a financial intermediary institution involved in the financial industry, such as a bank, a securities company, an insurance company, a trust investment company, a fund management company, etc.; the user confirmation instruction can be used for indicating the user identity of the target user to be confirmed; the user identifier may also be referred to as an identity identifier, which may be understood as an identifier that can prove that a person, an object, or an organization waits for confirmation of a target user, and for each target user, the user identifier is usually unique, that is, the user identifier and the target user usually have a one-to-one correspondence relationship; the user identification can be represented in a plurality of different forms, for example, a two-dimensional code or a bar code; in actual implementation, when a target user to be confirmed needs to be confirmed, a user confirmation instruction sent by a first financial institution is usually received through a node device on a block chain, and a user identifier of the target user to be confirmed is usually carried into the user confirmation instruction.
And step S104, acquiring the user information of the target user according to the user identification.
The user information may also be referred to as identity information, and may be understood as specific attribute or characteristic data of the target user, and may also be understood as original data of the target user, such as name, gender, identification number, contact phone, picture or various original files of the target user; in actual implementation, after receiving the identity confirmation instruction sent by the first financial institution, the node device in the blockchain may obtain the user information of the target user according to the user identifier carried by the node device, for example, the user information of the target user may be obtained from a distributed storage system corresponding to the first financial institution.
Step S106, executing the intelligent contract on the block chain to confirm the user information of the target user and obtain a confirmation result; wherein the smart contract confirms the policy settings based on a user specified by the first financial institution.
The smart contract is typically a computer protocol that propagates, verifies, or enforces contracts in an informational manner, typically chain code written on a blockchain, that allows trusted transactions to be conducted without a third party, which transactions are traceable and irreversible; the intelligent contract generally comprises contract conditions and an irreversible execution result after the contract conditions are triggered, wherein the contract conditions can also be called as trigger conditions; the user confirmation policy may also be referred to as a financial KYC policy, and the first financial institution may specify a user confirmation policy that meets its own requirements, and set up an intelligent contract based on the specified user confirmation policy; in actual implementation, after the user information of the target user is acquired, the node device on the blockchain executes an intelligent contract on the blockchain, and the intelligent contract can perform content verification on the user information to obtain a confirmation result that the user information passes or does not pass.
After receiving a user confirmation instruction sent by a first financial institution, first obtaining user information of a target user to be confirmed according to a user identifier of the target user to be confirmed carried in the user confirmation instruction, and then executing an intelligent contract on a block chain to confirm the user information of the target user to obtain a confirmation result; the method sets an intelligent contract based on the user confirmation strategies appointed by the financial institutions, can obtain the intelligent contract corresponding to the financial institutions due to different confirmation strategies appointed by different financial institutions, and then realizes the confirmation of the user information through the intelligent contract, does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.
The embodiment of the invention also provides another user confirmation method in a financial scene, which is realized on the basis of the method of the embodiment; as shown in fig. 2, the method comprises the steps of:
step S202, receiving a user confirmation instruction sent by a first financial institution; and the user confirmation indication carries the user identification of the target user to be confirmed.
And step S204, acquiring the user information of the target user according to the user identification.
Step S206, executing the intelligent contract on the block chain to confirm the user information of the target user and obtain a confirmation result; wherein the smart contract confirms the policy settings based on a user specified by the first financial institution.
The user confirmation policy generally includes at least one confirmation rule, that is, the user confirmation policy may include one confirmation rule or a combination of multiple confirmation rules; in a financial scenario, the user confirmation policy may also be referred to as a financial KYC policy, and specifically, for the application, the user confirmation policy specified by the first financial institution includes at least one confirmation rule in a preset confirmation rule set, where the preset confirmation rule set may be understood as a set of a plurality of rules in the same product or service; the rules can be used as a basis for judging whether the condition of the KYC user is met; the contract conditions of the intelligent contract comprise confirmation rules in the user confirmation strategy; the intelligent contract is used for: judging whether the user information of the target user accords with a confirmation rule or not; if the user information accords with the confirmation rule, the confirmation result is that the confirmation is passed; and if the user information does not accord with the confirmation rule, the confirmation result is confirmation failure. For convenience of description, taking the confirmation rules in the user confirmation policy as name, gender and identity card number as examples, the contract conditions of the intelligent contract also include the three confirmation rules, and the intelligent contract can judge whether the user information of the target user meets the three confirmation rules, that is, whether the obtained user information contains data information of name, gender and identity card number is confirmed, and if the user information contains the data information of name, gender and identity card number, the confirmation result of confirming the user information is that the confirmation is passed, that is, the real name confirmation of the target user is passed; if any item or any more items of data information in the name, the gender and the identification number are absent in the user information, the confirmation result of confirming the user information is that the confirmation fails, namely the target user real name confirmation fails.
Step S208, if the confirmation result is that the confirmation fails, generating an information supplement instruction; wherein the information supplement instruction is used for indicating that: and supplementing the user information of the target user based on the intelligent contract.
For convenience of explanation, taking three confirmation rules of a contract condition of an intelligent contract, including name, gender and identity card number, as an example, if the confirmation result is that the confirmation fails, a corresponding information supplement instruction is generated to indicate and supplement the user information of the target user by the intelligent contract, and if the user information lacks data information of the confirmation rule of gender, the data information indicates specific user information of gender supplement of the target user.
Step S210, returning the information supplement instruction to the first financial institution.
When the information supplement instruction is generated, the information supplement instruction is generally returned to the first financial institution to indicate that the first financial institution needs to supplement the user information of the target user based on the intelligent contract; for example, still taking the data information of the user information lacking the gender confirmation rule as an example, the generated corresponding information supplement instruction is returned to the first financial institution to indicate the specific user information of supplementing the gender of the target user.
In another method for confirming a user in a financial scenario provided by the embodiment of the present invention, after receiving a user confirmation instruction sent by a first financial institution, first, user information of a target user to be confirmed is obtained according to a user identifier of the target user carried in the user confirmation instruction, and then, an intelligent contract on a block chain is executed to confirm the user information of the target user to obtain a confirmation result; if the confirmation result is that the confirmation fails, generating an information supplement instruction; and returns the information supplement instruction to the first financial institution. The method sets an intelligent contract based on the user confirmation strategies appointed by the financial institutions, can obtain the intelligent contract corresponding to the financial institutions due to different confirmation strategies appointed by different financial institutions, and then realizes the confirmation of the user information through the intelligent contract, does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.
The embodiment of the invention also provides another user confirmation method in a financial scene, which is applied to the terminal equipment of the first financial institution; as shown in fig. 3, the method comprises the steps of:
step S302, receiving the user identification of the target user to be confirmed, and generating a user confirmation instruction based on the user identification.
When the user information of the target user to be confirmed needs to be confirmed, generally, the terminal device of the first financial institution may first receive the user identifier of the target user to be confirmed, and then carry the user identifier into the identity confirmation instruction to instruct to confirm the user information of the user to be confirmed, where the user identifier may be represented by the DID described above, and the DID may be specifically understood as a unique identifier used for representing an Entity (Entity) such as a person, an organization, or an object in a distributed identity system.
Step S304, sending a user confirmation instruction to the block chain so as to acquire user information of a target user according to the user identification through the node equipment on the block chain; executing an intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms the policy settings based on a user specified by the first financial institution.
In another user confirmation method in a financial scenario provided by the embodiment of the present invention, a user confirmation instruction is generated based on a received user identifier of a target user to be confirmed, and the user confirmation instruction is sent to a block chain, so as to obtain user information of the target user according to the user identifier through a node device on the block chain; and executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result. The method sets an intelligent contract based on the user confirmation strategies appointed by the financial institutions, can obtain the intelligent contract corresponding to the financial institutions due to different confirmation strategies appointed by different financial institutions, and then realizes the confirmation of the user information through the intelligent contract, does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.
The embodiment of the invention also provides another user confirmation method in a financial scene, which is realized on the basis of the method of the embodiment; as shown in fig. 4, the method includes the steps of:
step S402, receiving the user identification of the target user to be confirmed, and generating a user confirmation instruction based on the user identification.
Step S404, sending a user confirmation instruction to the block chain so as to acquire user information of a target user according to the user identification through the node equipment on the block chain; executing an intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms the policy settings based on a user specified by the first financial institution.
Step S406, if the information of successful confirmation of the user information of the target user returned by the block chain is received, transacting the preset financial service for the target user to be confirmed.
If the information of successful confirmation of the user information of the target user to be confirmed returned by the blockchain is received, the user information of the target user to be confirmed is shown to be in accordance with the contract condition of the intelligent contract, which is equivalent to the completion of the real-name confirmation of the target user to be confirmed, and the preset financial service can be transacted for the target user to be confirmed.
Step S408, if an information supplement instruction returned by the block chain is received, acquiring the updated user information indicated by the information supplement instruction, and sending the updated user information to the block chain so as to confirm the updated user information through the block chain; wherein the information supplement instruction is used for indicating that: and supplementing the user information of the target user to be confirmed based on the intelligent contract.
The updated user information can be understood as user information of a target user to be confirmed, which is indicated by the information supplement instruction and needs to be supplemented based on the intelligent contract; for example, if the contract conditions of the intelligent contract include three confirmation rules, i.e., name, gender, and identification number, and the acquired user information lacks data information corresponding to the confirmation rule, i.e., gender, the updated user information indicated by the information supplement instruction may be understood as the gender information of the target user to be confirmed; after the updated user information is obtained, the updated user information may be sent to the blockchain, so that the updated user information is confirmed by the node device on the blockchain.
In another user confirmation method in a financial scenario provided by the embodiment of the present invention, a user confirmation instruction is generated based on a received user identifier of a target user to be confirmed, and the user confirmation instruction is sent to a block chain, so as to obtain user information of the target user according to the user identifier through a node device on the block chain; and executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result. And if the information of successful confirmation of the user information of the target user returned by the block chain is received, handling the preset financial service for the target user to be confirmed. If an information supplement instruction returned by the block chain is received, acquiring updated user information indicated by the information supplement instruction, and sending the updated user information to the block chain so as to confirm the updated user information through the block chain; the method sets an intelligent contract based on the user confirmation strategies appointed by the financial institutions, can obtain the intelligent contract corresponding to the financial institutions due to different confirmation strategies appointed by different financial institutions, and then realizes the confirmation of the user information through the intelligent contract, does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.
For further understanding of the foregoing embodiments, the following provides a schematic structural diagram of a user confirmation system in a financial scenario as shown in fig. 5, where fig. 5 includes a plurality of financial service systems (corresponding to the financial institutions), such as financial service system 1, financial service system 2, up to financial service system N, and also includes a plurality of KYC smart contracts, such as KYC smart contract 1, KYC smart contract 2, up to KYC smart contract N, each financial service system may have its corresponding KYC smart contract, and the KYC smart contract is set based on a user confirmation policy specified by the financial service system and is stored in a block chain of the financial service system, for example, financial service system 1 corresponds to KYC smart contract 1, and KYC smart contract 1 is stored in the block chain of financial service system 1; the financial service system 2 corresponds to a KYC intelligent contract 2, and the KYC intelligent contract 2 is stored in a block chain of the financial service system 2. A block chain network architecture in which a plurality of block chains are parallel may be referred to as a multi-chain architecture; each of the financial service systems includes node devices, which may also be referred to as nodes, on the blockchain, and a plurality of nodes, such as node 1, node 2, through node N, on the blockchain form a distributed identity system.
Taking the example that the financial service system 1 needs to determine the user information of the target user to be determined as follows, the financial service system 1 first receives the user identifier of the target user to be determined, and generates an identity determination instruction based on the user identifier; then the identity confirmation indication is sent to the block chain, so that the node equipment on the block chain acquires the user information of the target user according to the user identification; if the intelligent contract corresponding to the financial business system 1 is about the KYC intelligent contract 1, executing the KYC intelligent contract 1 on the block chain to confirm the user information of the target user to obtain a confirmation result.
In order to facilitate understanding of the execution process of the intelligent contract, an execution process flow diagram of the intelligent contract is provided below, as shown in fig. 6, in the process of executing the intelligent contract, it is generally necessary to first determine whether the intelligent contract is initialized or not, and may also be understood as whether the intelligent contract is deployed or not, if not, the system calls an Init () method to initialize the intelligent contract, it needs to be noted that, in the code of the intelligent contract, an Init () method is generally necessary, and the method is executed only once when deployed; if the intelligent contract is initialized, the system sets request parameters, creates a transaction request and sends the transaction request (corresponding to the user confirmation instruction) to the blockchain network; then the intelligent contract calls an Invoke () method, wherein the Invoke is mainly used for realizing the internal business logic of the intelligent contract, and a user can realize related business in the method; invoke () method calls the corresponding code logic in the transaction request configuration; finally, whether the intelligent contract is executed correctly is judged, if the intelligent contract is executed correctly, the intelligent contract returns Sucsess to the system, and if the intelligent contract is not executed correctly, the intelligent contract returns Failed to the system; for the detailed execution process of the intelligent contract, reference may be made to the prior art scheme, which is not described herein again.
In the following, some terms related to the blockchain are explained, where a group refers to a main body that deploys distributed identity systems in groups, each group has its administrator who owns the super key of the group. The group also belongs to a management organization, which refers to an organization participating in platform operation, and can maintain or use the identity information of personal entities and organization entities in the business field, and issue and verify identity certificates. The administrative authority can maintain the authority of the branch and the authority user, and the administrative authority is also an authority entity, and the authority user is also a personal entity. The personal entity refers to a person as a DID registration entity, and can maintain personal identity information and perform identity information authorization, and specifically, the maintenance of the personal identity information or the authorization of the identity information can be completed through a C-terminal Client.
The monitoring party is a monitoring unit, can monitor the industry of the organization deploying the distributed identity system, and usually has monitoring authority for the operation and data of the distributed identity system in the group. Specifically, each financial institution generally has a corresponding supervisor, and the supervisor has the local super key, so that unlimited query operation of data in the system can be performed through the supervision Client.
A blockchain business group composed of a plurality of members may be called a federation, and the federation members may act as participants to jointly construct a blockchain network. A federation cooperative governance structure is a governance rule which is usually obtained by members in a federation according to a consensus agreement and is an organizational structure form capable of completing management of related affairs in the federation. The alliance chain is a permission block chain, and is generally managed by a plurality of organizations, each organization can operate one node or a plurality of nodes, and different organizations in the system can only be allowed to read and write data or send transactions, and record transaction data together; federation chains generally include intra-group federation chains and open federation chains, where federation chains deployed only inside a group are referred to as intra-group federation chains; a federation chain in which authorization data can be interacted between different organizations, institutions, or groups is called an open federation chain.
For further understanding of the above embodiments, a distributed identity system is taken as an example for description below, the distributed identity system provides a solution for association, collection, storage, transmission, and confirmation between entity attribute features of people, objects, and mechanisms in the real world and identity credential identifiers in the virtual world, the distributed identity system stores digital user identification information of a target user to be confirmed and a user information hash value on a block chain, and user information can be stored in a distributed storage system. The distributed identity system of the financial institution A adopts a alliance chain for coexisting and sharing digital certificate data; meanwhile, the distributed identity system supports a plurality of financial institutions to form an alliance, and realizes an open semi-open distributed identity system in the alliance. The multiple chains interact with the relay service engine through a unified DID specification.
In an alternative embodiment of the present invention, the related specifications may be formulated with reference to the W3C Decentralized Identities (DIDs) v1.0 specification and the W3C standardized creatives Data Model 1.0 specification; wherein the W3C Decentralized IDs (DIDs) v1.0 specification is a distributed ID specification promulgated by the W3C organization; the W3C Verifiable Credentials Data Model 1.0 specification is a Verifiable credential Data Model specification promulgated by the W3C organization. It should be understood that the specification of the user identifier, the user information, and the like in the embodiment of the present invention is not limited to the above examples, and the specific specification used in the present invention is not limited, and the specification, the execution standard, and the like in the embodiment of the present invention are all exemplified.
For example, if a customer opens an account successfully after a certain bank a in mainland china submits a real-name authentication material once, and if the customer needs to go to bank B in singapore to open an account, the customer opens a certain bank B in singapore to submit a real-name authentication material once again in the existing mode. When a bank A and a bank B form a alliance and a distributed identity system is deployed, a user can transact business at all global network points of the alliance only by submitting real-name authentication materials once at any bank in the alliance; the bank B only needs to call certain KYC data (corresponding to the user information) of the bank A in the alliance chain through an internal interface, and judges whether the acquired KYC data meet KYC requirements of the bank B or not through an intelligent contract of a financial KYC strategy.
The invention provides a solution based on a multi-chain architecture and an alliance cooperative governance structure aiming at a financial KYC scene, defines an intelligent contract aiming at a financial KYC strategy, realizes the management of the financial KYC strategy and a rule set through the intelligent contract in a distributed identity system based on a block chain, and can realize the execution of the distributed automatic financial KYC strategy independent of a single central party.
The embodiment of the invention provides a structural schematic diagram of a user confirmation device in a financial scene, wherein the device is arranged on node equipment on a block chain; as shown in fig. 7, the apparatus includes: a first receiving module 70, configured to receive a user confirmation instruction sent by a first financial institution; the user confirmation instruction carries a user identifier of a target user to be confirmed; an obtaining module 71, configured to obtain user information of a target user according to a user identifier; the confirmation module 72 is configured to execute the intelligent contract on the block chain to confirm the user information of the target user, so as to obtain a confirmation result; wherein the smart contract confirms the policy settings based on a user specified by the first financial institution.
After receiving a user confirmation instruction sent by a first financial institution, the user confirmation device in the financial scenario according to the embodiment of the invention first obtains user information of a target user to be confirmed according to a user identifier of the target user to be confirmed carried in the user confirmation instruction, and then executes an intelligent contract on a block chain to confirm the user information of the target user to obtain a confirmation result; the device sets the intelligent contract based on the user confirmation strategy appointed by the financial institution, and the confirmation strategy appointed by different financial institutions is different, so that the intelligent contract corresponding to the financial institution can be obtained, and the user information confirmation is realized through the intelligent contract, and the device does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.
Further, the user confirmation policy comprises at least one confirmation rule; the contract conditions of the intelligent contract comprise confirmation rules in the user confirmation strategy; the intelligent contract is used for: judging whether the user information of the target user accords with a confirmation rule or not; if the user information accords with the confirmation rule, the confirmation result is that the confirmation is passed; and if the user information does not accord with the confirmation rule, the confirmation result is confirmation failure.
Further, the user confirmation policy specified by the first financial institution includes at least one confirmation rule in a preset confirmation rule set.
Further, the apparatus is further configured to: if the confirmation result is that the confirmation fails, generating an information supplement instruction; wherein the information supplement instruction is used for indicating that: supplementing user information of a target user based on an intelligent contract; the information supplement instruction is returned to the first financial institution.
The implementation principle and the generated technical effect of the user confirmation device in the financial scenario provided by the embodiment of the present invention are the same as those of the user confirmation method in the financial scenario, and for a brief description, corresponding contents in the user confirmation method in the financial scenario may be referred to where the user confirmation device in the financial scenario is not mentioned in part.
The embodiment of the invention provides a schematic structural diagram of a user confirmation device in another financial scene, wherein the device is arranged on terminal equipment of a first financial institution; as shown in fig. 8, the apparatus includes: a second receiving module 80, configured to receive a user identifier of a target user to be confirmed, and generate a user confirmation instruction based on the user identifier; a sending module 81, configured to send the user confirmation instruction to the blockchain, so as to obtain user information of the target user according to the user identifier through the node device on the blockchain; executing an intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms the policy settings based on a user specified by the first financial institution.
According to the user confirmation device in another financial scenario provided by the embodiment of the invention, a user confirmation instruction is generated based on the received user identification of a target user to be confirmed, and the user confirmation instruction is sent to a block chain, so that user information of the target user is obtained through node equipment on the block chain according to the user identification; and executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result. The device sets the intelligent contract based on the user confirmation strategy appointed by the financial institution, and the confirmation strategy appointed by different financial institutions is different, so that the intelligent contract corresponding to the financial institution can be obtained, and the user information confirmation is realized through the intelligent contract, and the device does not depend on a centralized user information confirmation mode, can meet the individualized confirmation requirements of different financial institutions, and can also meet the user information confirmation requirements under different confirmation standards.
Further, the apparatus is further configured to: and if the information of successful confirmation of the user information of the target user returned by the block chain is received, handling the preset financial service for the target user to be confirmed.
Further, the apparatus is further configured to: if an information supplement instruction returned by the block chain is received, acquiring updated user information indicated by the information supplement instruction, and sending the updated user information to the block chain so as to confirm the updated user information through the block chain; wherein the information supplement instruction is used for indicating that: and supplementing the user information of the target user to be confirmed based on the intelligent contract.
The implementation principle and the generated technical effect of the user confirmation device in the financial scenario provided by the embodiment of the present invention are the same as those of the user confirmation method in the financial scenario, and for a brief description, corresponding contents in the user confirmation method in the financial scenario may be referred to where the user confirmation device in the financial scenario is not mentioned in part.
The embodiment of the invention provides a user confirmation system in a financial scene, which comprises: a node device on the blockchain, and a terminal device of the first financial institution; the terminal equipment of the first financial institution is used for receiving the user identification of the target user to be confirmed and generating a user confirmation instruction based on the user identification; sending a user confirmation indication to the blockchain; the user confirmation instruction carries a user identifier of a target user to be confirmed; the node equipment on the block chain is used for acquiring the user information of the target user according to the user identification; executing an intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms the policy settings based on a user specified by the first financial institution.
The embodiment of the invention provides a user confirmation system in a financial scene, provides a solution based on a multi-chain architecture and a alliance cooperative governance structure for user confirmation in the financial scene, and defines an intelligent contract based on a user confirmation strategy. The management of the user confirmation strategy is realized through the intelligent contract, and the distributed automatic user confirmation strategy execution independent of a single central party can be realized.
An embodiment of the present invention further provides an electronic device, as shown in fig. 9, the electronic device includes a processor 130 and a memory 131, the memory 131 stores machine executable instructions that can be executed by the processor 130, and the processor 130 executes the machine executable instructions to implement the user confirmation method in the financial scenario.
Further, the electronic device shown in fig. 9 further includes a bus 132 and a communication interface 133, and the processor 130, the communication interface 133, and the memory 131 are connected through the bus 132.
The Memory 131 may include a high-speed Random Access Memory (RAM) and may also include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. The communication connection between the network element of the system and at least one other network element is realized through at least one communication interface 133 (which may be wired or wireless), and the internet, a wide area network, a local network, a metropolitan area network, and the like can be used. The bus 132 may be an ISA bus, PCI bus, EISA bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 9, but this does not indicate only one bus or one type of bus.
The processor 130 may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware or instructions in the form of software in the processor 130. The Processor 130 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the device can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, or a discrete hardware component. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in the memory 131, and the processor 130 reads the information in the memory 131 and completes the steps of the method of the foregoing embodiment in combination with the hardware thereof.
An embodiment of the present invention further provides a machine-readable storage medium, where the machine-readable storage medium stores machine-executable instructions, and when the machine-executable instructions are called and executed by a processor, the machine-executable instructions cause the processor to implement the user confirmation method in the financial scenario.
The computer program product of the user confirmation method, the user confirmation device and the user confirmation system in the financial scenario provided by the embodiment of the present invention includes a computer readable storage medium storing a program code, and instructions included in the program code may be used to execute the method described in the foregoing method embodiment.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art will understand that the following embodiments are merely illustrative of the present invention, and not restrictive, and the scope of the present invention is not limited thereto: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (12)

1. A user confirmation method in a financial scene is characterized in that the method is applied to node equipment on a block chain; the method comprises the following steps:
receiving a user confirmation instruction sent by a first financial institution; the user confirmation instruction carries a user identifier of a target user to be confirmed;
acquiring user information of the target user according to the user identification;
executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
2. The method of claim 1, wherein the user confirmation policy comprises at least one confirmation rule; the contract conditions of the intelligent contract comprise confirmation rules in the user confirmation policy; the intelligent contract is used for:
judging whether the user information of the target user accords with the confirmation rule or not;
if the user information accords with the confirmation rule, the confirmation result is that the confirmation is passed; and if the user information does not accord with the confirmation rule, the confirmation result is confirmation failure.
3. The method of claim 1, wherein the user validation policy specified by the first financial institution comprises at least one validation rule of a predetermined set of validation rules.
4. The method of claim 1, further comprising:
if the confirmation result is confirmation failure, generating an information supplement instruction; wherein the information supplement instruction is to indicate: supplementing user information of the target user based on the smart contract;
returning the information supplement instruction to the first financial institution.
5. A user confirmation method in a financial scene is characterized in that the method is applied to terminal equipment of a first financial institution; the method comprises the following steps:
receiving a user identification of a target user to be confirmed, and generating a user confirmation instruction based on the user identification;
sending the user confirmation instruction to a block chain so as to acquire user information of the target user through node equipment on the block chain according to the user identification; executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result;
wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
6. The method of claim 5, further comprising:
and if receiving the information that the user information of the target user returned by the block chain is successfully confirmed, transacting preset financial services for the target user to be confirmed.
7. The method of claim 5, further comprising:
if an information supplement instruction returned by the block chain is received, acquiring updated user information indicated by the information supplement instruction, and sending the updated user information to the block chain so as to confirm the updated user information through the block chain;
wherein the information supplement instruction is to indicate: and supplementing the user information of the target user to be confirmed based on the intelligent contract.
8. The user confirmation device under the financial scene is characterized in that the device is arranged on node equipment on a block chain; the device comprises:
the first receiving module is used for receiving a user confirmation instruction sent by a first financial institution; the user confirmation instruction carries a user identifier of a target user to be confirmed;
the acquisition module is used for acquiring the user information of the target user according to the user identification;
the confirming module is used for executing the intelligent contract on the block chain so as to confirm the user information of the target user and obtain a confirming result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
9. The user confirmation device under the financial scene is characterized in that the device is arranged on terminal equipment of a first financial institution; the device comprises:
the second receiving module is used for receiving the user identification of the target user to be confirmed and generating a user confirmation instruction based on the user identification;
a sending module, configured to send the user confirmation instruction to a block chain, so as to obtain, by a node device on the block chain, user information of the target user according to the user identifier; executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result;
wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
10. A user validation system in a financial scenario, the system comprising: a node device on the blockchain, and a terminal device of the first financial institution;
the terminal equipment of the first financial institution is used for receiving the user identification of the target user to be confirmed and generating a user confirmation instruction based on the user identification; sending the user confirmation indication to a blockchain; the user confirmation instruction carries a user identifier of a target user to be confirmed;
the node equipment on the block chain is used for acquiring the user information of the target user according to the user identification; executing the intelligent contract on the block chain to confirm the user information of the target user to obtain a confirmation result; wherein the smart contract confirms policy settings based on a user specified by the first financial institution.
11. An electronic device comprising a processor and a memory, the memory storing machine executable instructions executable by the processor, the processor executing the machine executable instructions to implement the user validation method in a financial scenario as claimed in any one of claims 1 to 7.
12. A machine-readable storage medium having stored thereon machine-executable instructions which, when invoked and executed by a processor, cause the processor to implement the user validation method in the financial context of any of claims 1 to 7.
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