CN116263925A - Accounting method and device based on blockchain - Google Patents
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Abstract
The invention discloses a checking method and device based on a blockchain, and relates to the technical field of blockchains. One embodiment of the method comprises the following steps: in response to receiving a piece of hash message digest of data to be reconciled, which is uplink to a reconciliation participant, triggering an intelligent contract to execute comparison of the piece of hash message digest, wherein the intelligent contract is pre-deployed on a blockchain, and the piece of hash message digest is obtained by performing hash operation on each piece of data to be reconciled after the piece of data to be reconciled is fragmented; notifying the reconciliation participant to perform uplink of the detailed hash message digest of the transaction data under the condition that the comparison of the fragment hash message digests is inconsistent; in response to receiving the detailed hash message digest of the reconciliation participant uplink, the intelligent contract is triggered to perform a comparison of the detailed hash message digest. According to the embodiment, automatic checking-out based on the blockchain can be realized, automation and standardization of checking-out flow are realized, the credibility of checking-out results is improved, the data privacy protection is enhanced, and the checking-out speed is improved.
Description
Technical Field
The invention relates to the technical field of blockchains, in particular to a checking method and device based on a blockchain.
Background
With the development of the blockchain technology, the concept of 'people accounting' of the blockchain is utilized, so that the account book data cannot be tampered and trace is left in the whole course, the transparency of information is improved, the sharing and the cooperative operation of multiparty information are promoted, and the technical characteristics are naturally suitable for accounting checking.
There are several practices of using blockchain technology to perform accounting checking in the industry, however, these blockchain-based technical solutions are limited to using blockchains as channels for data sharing and distribution, and are not different from the conventional centralized accounting checking and error handling modes in which accounting documents are issued to accounting participants, which does not fully embody the technical advantages of blockchains. In addition, in the blockchain reconciliation scheme, performance influence caused by the increase of the participated reconciliation nodes and the continuous increase of the reconciliation data and financial data security risks caused by the distributed ledgers also need to be considered.
Therefore, how to perform accounting checking safely, efficiently and accurately based on the blockchain technology is a technical problem to be solved urgently at present.
Disclosure of Invention
In view of the above, the embodiment of the invention provides a checking method and device based on a blockchain, which can realize automatic checking based on the blockchain, realize automation and standardization of a checking flow, improve the reliability of a checking result, strengthen data privacy protection and improve the checking speed.
To achieve the above object, according to one aspect of an embodiment of the present invention, there is provided a blockchain-based reconciliation method.
A blockchain-based reconciliation method, comprising:
in response to receiving a piece of hash message digest of data to be reconciled, which is uplink to a reconciliation participant, triggering an intelligent contract to execute comparison of the piece of hash message digest, wherein the intelligent contract is pre-deployed on a blockchain, and the piece of hash message digest is obtained by performing hash operation on each piece of data to be reconciled after the piece of data to be reconciled is segmented;
under the condition that the comparison of the hash message digests of the fragments is inconsistent, notifying the reconciliation participants to carry out the uplink of the detail hash message digests of the transaction data included in the fragments with inconsistent comparison;
and triggering the intelligent contract to execute comparison of the detail hash message digests to find inconsistent transaction data and generate a reconciliation result in response to receiving the detail hash message digests of the reconciliation participants.
Optionally, the method further comprises:
and under the condition that the comparison of the hash message digests is consistent, directly generating a reconciliation result.
Optionally, the reconciliation participant comprises a reconciliation mechanism and a reconciliation center; the method further comprises the steps of:
And sending the inconsistent transaction data to an error processing platform, so that the error processing platform performs error processing by calling the reconciliation mechanism, and acquiring an error processing result fed back by the reconciliation mechanism.
Optionally, before sending the inconsistent transaction data to the error handling platform, the method further comprises:
marking error classification for the inconsistent transaction data according to a preset business rule;
transmitting the inconsistent transaction data to an error handling platform further comprises:
and transmitting the error classification of the inconsistent transaction data to an error processing platform.
Optionally, the preset business rule is implemented as an automatic error intelligence contract; marking the inconsistent transaction data with error classification according to a preset business rule comprises the following steps:
and calling an automatic error intelligent contract, and marking error classification for the inconsistent transaction data according to specific transaction scenes and failure reasons.
Optionally, the reconciliation facility performs error handling in accordance with an error handling procedure corresponding to the error classification of the inconsistent transaction data.
Optionally, the transaction data has time information, and the data to be reconciled is fragmented based on the time information.
Optionally, the transaction data has an ordered message identification number; the fragment hash message digest is obtained by performing fragment on the data to be checked, then performing incremental sorting on transaction data of each fragment according to message identification numbers, and performing hash operation.
Optionally, when the data amount of the data to be reconciled exceeds a first threshold, reducing a slicing time interval and increasing the slicing number; and when the data quantity of the data to be reconciled is smaller than a second threshold value, increasing the time interval of the fragments and reducing the number of the fragments, wherein the first threshold value is larger than the second threshold value.
According to another aspect of an embodiment of the present invention, there is provided a blockchain-based reconciliation apparatus.
A blockchain-based reconciliation apparatus comprising:
the system comprises a piece hash comparison module, a piece hash comparison module and a piece hash processing module, wherein the piece hash comparison module is used for triggering an intelligent contract to execute comparison of piece hash message digests in response to receiving the piece hash message digests of data to be checked, which are uplink to a checking party, wherein the intelligent contract is deployed on a blockchain in advance, and the piece hash message digests are obtained by carrying out hash operation on each piece after the data to be checked is segmented;
The detailed hash acquisition module is used for notifying the reconciliation participant to carry out the uplink of the detailed hash message digest of the transaction data included in the inconsistent fragments under the condition that the fragment hash message digest is inconsistent in comparison;
and the detail hash comparison module is used for triggering the intelligent contract to execute the comparison of the detail hash message digests in response to receiving the detail hash message digests of the uplink of the reconciliation participants so as to find inconsistent transaction data and generate a reconciliation result.
According to yet another aspect of an embodiment of the present invention, there is provided a blockchain-based reconciliation electronic device.
A blockchain-based reconciliation electronic device, comprising: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the checking method based on the blockchain.
According to yet another aspect of an embodiment of the present invention, a computer-readable medium is provided.
A computer readable medium having stored thereon a computer program which when executed by a processor implements a blockchain-based reconciliation method provided by embodiments of the present invention.
One embodiment of the above invention has the following advantages or benefits: triggering an intelligent contract to execute comparison of the split hash message digests by responding to the received split hash message digests of the data to be reconciled, wherein the intelligent contract is deployed on a blockchain in advance, and the split hash message digests are obtained by performing hash operation on each split after the data to be reconciled is split; notifying a reconciliation participant to carry out the uplink of the detailed hash message digest of the transaction data included in the inconsistent fragment under the condition that the fragment hash message digest is inconsistent in comparison; in response to receiving the detailed hash message digest of the uplink of the reconciliation participants, triggering the intelligent contract to execute comparison of the detailed hash message digest so as to find inconsistent transaction data and generate a technical scheme of a reconciliation result; and the checking result is generated in real time on the blockchain and cannot be tampered, so that the credibility of the checking result is improved. Based on the theoretical basis of irreversibility and uniqueness of the hash algorithm, checking is performed by comparing hash message digests of data to be checked, and data privacy protection is enhanced. And the account checking data is compared based on the data slicing mode, so that error transaction can be positioned quickly, and the account checking speed is improved.
Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main steps of a blockchain-based reconciliation method in accordance with an embodiment of the invention;
FIG. 2 is a schematic diagram of a frame of a reconciliation system of an embodiment of the invention;
FIG. 3 is a diagram of automated reconciliation data layer interactions of an embodiment of the invention;
FIG. 4 is a schematic diagram of a slice-based automated reconciliation process in accordance with an embodiment of the invention;
FIG. 5 is a schematic diagram of the main blocks of a blockchain-based reconciliation device in accordance with an embodiment of the invention;
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;
fig. 7 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
In the description of the embodiments of the present invention, the terms used are defined as follows:
digital currency: the method is a digital legal currency issued by a central office, is participated in operation by a designated operation mechanism, supports a loose coupling function of a bank account based on a generalized account system, is equivalent to physical currency, and has value characteristics and decompensation;
interconnection platform: the digital currency financial infrastructure is established by the central office and is responsible for issuing digital currency to business banks serving as designated operation institutions and carrying out full life cycle management;
operation mechanism: the commercial bank directly facing the public to provide digital currency conversion and circulation service is authorized by the central office;
and (3) cooperative banking: the business bank which refers to a non-operation mechanism can cooperate with the operation mechanism to provide circulation service for the public under the premise of centralized management in a central row;
a reception mechanism: the mechanism for providing acceptance digital currency consumption transaction service for the merchant can be a third party payment mechanism, a commercial bank or a merchant with platform characteristics and public utilities;
intelligent contract: is a computer protocol that aims to propagate, verify or execute contracts in an informative manner. Smart contracts allow trusted transactions to be made without third parties, which transactions are traceable and irreversible.
In the conventional centralized accounting checking and error handling mode, first, transaction data are generated by a central line side system and a participating mechanism for checking, stored in a file system, encrypted by a symmetric key, and the encrypted file is uploaded to a secure file transfer SFTP server. In the process, although the file system uses symmetric key encryption, the file system has the possibility of being cracked, so that the problems of data security and privacy are generated; secondly, after the accounting participating mechanism obtains the transaction data from the SFTP server, the accounting participating mechanism compares the transaction data with the transaction data in the participating mechanism. Accounting checking in the process is carried out locally at the participating mechanism end, so that the defects of low accounting efficiency, unsupervised accounting process, no closed loop feedback of accounting results and the like exist; third, in the conventional mode, if errors occur in the checking process, human intervention is usually required, the dependence of error processing on human is high, and the processing time is long. Therefore, the traditional centralized accounting checking and error processing mode has the problems of insufficient data privacy, large occupied data storage space, low account checking efficiency, falsifiable account checking result, high manual dependency of error processing and the like.
The technical scheme of using the blockchain to check accounts existing in the industry is only limited to using the blockchain as a data sharing and distributing channel, and is not different from the traditional method of issuing the account checking file for the account checking participants in the centralized account checking and error processing mode, so that the technical advantages of the blockchain are not fully reflected. In addition, in the technical scheme of the existing blockchain reconciliation, performance influence caused by the increase of the nodes participating in the reconciliation and the continuous increase of the reconciliation data and financial data security risks caused by the distributed ledgers also need to be considered.
In order to solve the technical problems, the invention provides a checking method based on block chain based on the following considerations:
the method is based on the theoretical basis that the blockchain technology participates in peer-to-peer of a main body, data is trusted and intelligent contract loading is supported, and a multiparty consensus reconciliation mode is established. And the central line end and the institution end participating in reconciliation jointly reconcile, namely the centralized node and the participating node jointly link the reconciliation data. Realizing automation and standardization of the reconciliation process by deploying blockchain intelligent contracts in advance; the checking result is generated in real time on a chain and cannot be tampered, so that the credibility of the checking result is improved;
And secondly, the data privacy protection is enhanced based on the theoretical basis of irreversibility and uniqueness of a hash algorithm. The hash algorithm is irreversible and unique, hash message digests are used for replacing transaction information plaintext to automatically check accounts on the chain, the isolation of account checking data among different participating institutions is realized, and meanwhile, the influence of symmetric encryption account checking data on the performance and efficiency of the blockchain is eliminated. The method is specifically characterized by comprising the following two aspects: firstly, based on the original transaction information, a unique hash message abstract can be generated, and the hash message abstract can not be restored to the plaintext of the original transaction information, and the hash message abstract is used for replacing the plaintext of the transaction information, so that the privacy protection effect of the transaction information can be achieved; secondly, the same original transaction information inevitably generates the same hash message digest, so that the consistency of the hash message digest and the original transaction information can be ensured, the hash message digest is uplink, and the intelligent contract automatically checks accounts according to a preset strategy, so that the checking efficiency is improved;
thirdly, based on the theoretical basis that the binary search is used for fast positioning and the hash message digest has the equal length characteristic, the checking efficiency and the expandability of the blockchain are improved. Firstly, based on the concept of binary search, the original transaction information is segmented by adopting a flexibly configurable data segmentation algorithm, so that the error transaction information can be positioned quickly, and the search speed is improved. Secondly, the original transaction information of each fragment is used as basic data to generate a hash message digest, the fixed length (which can be flexibly set, for example, 32 bytes) of the hash message digest is far smaller than the length of the original transaction information, and the hash message digest replaces the uplink of the original transaction information, so that the storage space of a blockchain can be greatly reduced. Finally, supporting the self-adaptive adjustment of the slicing algorithm, and avoiding the data capacity oscillation of single slicing caused by overlarge or undersize traffic, thereby influencing the accounting efficiency;
Fourth, an automatic error handling approach is proposed based on the characteristics of digital money being a central line liability and payment, i.e., settlement. The digital currency is taken as a direct liability of the central row to the public, and under a double-layer operation system, the central row of the operation organization records the holding condition of the public to the digital currency. Based on the digital currency "pay-as-you-go" feature, there is no "in-transit" transaction in the traditional payment hierarchy for trans-institution transactions. Thus, the essence of digital currency system error handling is to ensure that the operating authorities properly bill the public's digital currency wallets. Therefore, the isomerism of the internal systems of each operation mechanism can be abandoned, the principle that the transaction result is consistent with the interconnection platform is taken as a basic principle, the automatic error processing is realized by formulating standardized and automatic error processing flows, the error processing time is greatly shortened, the fund safety of users is improved, and the labor cost of error processing and the fund risk brought by delaying the error processing are effectively reduced.
The invention organically combines the universality, certainty, irreversibility and anti-collision characteristics of the hash algorithm, a block chain consensus mechanism, a binary search algorithm and an intelligent contract, and provides standard unified automatic account checking and error processing service for the participating mechanism accessing the digital currency interconnection platform based on the traditional summary account checking-detail account checking mode. The central office and the participating institutions act as trusted nodes to access the digital currency blockchain ledger, and the respective digital currency transaction data is uplinked through the application programming interface. And (3) presetting an automatic reconciliation intelligent contract on a chain, triggering the intelligent contract to automatically execute after the data is uploaded by a central row and an operation mechanism, and completing data comparison. The data comparison is successful, the intelligent contract marks the transaction as successful in reconciliation, the data comparison is failed, and the intelligent contract marks the transaction as failed in reconciliation. For the transaction of the account checking failure, a preset automatic error intelligent contract is used, the error transaction is marked with the failure type by combining a specific transaction scene and a failure reason, an automatic error processing application programming interface developed in advance by a participating institution is called, and the automatic error processing is completed according to a preset error processing standard flow.
The following describes embodiments of the invention in connection with specific examples.
FIG. 1 is a schematic diagram of the main steps of a blockchain-based reconciliation method in accordance with an embodiment of the invention. As shown in fig. 1, the blockchain-based reconciliation method in the embodiment of the invention mainly includes the following steps S101 to S103.
Step S101: in response to receiving a piece of hash message digest of data to be reconciled, which is uplink to a reconciliation participant, triggering an intelligent contract to execute comparison of the piece of hash message digest, wherein the intelligent contract is pre-deployed on a blockchain, and the piece of hash message digest is obtained by performing hash operation on each piece of data to be reconciled after the piece of data to be reconciled is segmented;
step S102: under the condition that the comparison of the hash message digests of the fragments is inconsistent, notifying the reconciliation participants to carry out the uplink of the detail hash message digests of the transaction data included in the fragments with inconsistent comparison;
step S103: and triggering the intelligent contract to execute comparison of the detail hash message digests to find inconsistent transaction data and generate a reconciliation result in response to receiving the detail hash message digests of the reconciliation participants.
According to the steps S101 to S103, by presetting the automatic checking intelligent contracts on the blockchain, each checking participant automatically executes the triggering intelligent contracts after the data are uploaded, so that the data comparison is completed, the automatic checking based on the blockchain is realized, and the automation and standardization of the checking flow are realized; and the checking result is generated in real time on the blockchain and cannot be tampered, so that the credibility of the checking result is improved. Based on the theoretical basis of irreversibility and uniqueness of the hash algorithm, checking is performed by comparing hash message digests of data to be checked, and data privacy protection is enhanced. And the account checking data is compared based on the data slicing mode, so that error transaction can be positioned quickly, and the account checking speed is improved.
According to one embodiment of the invention, in the case that the comparison of the hash message digests is consistent, the reconciliation result is directly generated. Under the condition that the comparison of the piece hash message digests is consistent, the data to be reconciled of each reconciliation participant can be considered to be consistent, and the reconciliation result can be directly generated after the reconciliation is passed.
According to one embodiment of the invention, a reconciliation participant comprises a reconciliation facility and a reconciliation center. The checking mechanism is, for example, a commercial bank participating in checking, the checking center is, for example, a central line participating in checking, and the data of the checking center are of absolute credibility, and the checking center is also used for transferring transactions between the checking mechanisms and recording transaction data. According to an embodiment of the present invention, the reconciliation method further comprises: and sending the inconsistent transaction data to an error processing platform, so that the error processing platform performs error processing by calling the reconciliation mechanism, and acquiring an error processing result fed back by the reconciliation mechanism. After checking according to the fragment hash message digest and/or the detail hash message digest of the data to be checked up which are uplink by each checking participant, if inconsistent transaction data exists, the transaction data need to be sent to an error processing platform so that error processing can be performed. The error processing platform may specifically call the reconciliation mechanism by calling an automatic error processing application programming interface provided by the reconciliation mechanism when the reconciliation mechanism is called for error processing. After the accounting mechanism finishes error processing, the error processing result is returned to the error processing platform, and the error processing platform updates the error processing state to be 'processing completed' after receiving the receipt. And carrying out alarm processing on transaction data which is overtime and does not feed back an error processing result by the error processing platform.
According to one embodiment of the present invention, before the inconsistent transaction data is sent to the error processing platform, error classification may be further labeled on the inconsistent transaction data according to a preset business rule. And when the inconsistent transaction data is sent to the error processing platform, sending the error classification of the inconsistent transaction data to the error processing platform. For inconsistent transaction data, the inconsistent transaction data can be classified and error classification can be marked by combining specific transaction scenes and account checking failure reasons. For each error classification, a corresponding error processing flow may be set in advance in the reconciliation institution to perform error processing. And the reconciliation mechanism performs error processing according to an error processing flow corresponding to the error classification of the inconsistent transaction data.
According to another embodiment of the invention, the preset business rules are implemented as an automatic error intelligence contract. And labeling error classification for the inconsistent transaction data according to a preset business rule comprises: and calling an automatic error intelligent contract, and marking error classification for the inconsistent transaction data according to specific transaction scenes and failure reasons. Therefore, error classification can be performed based on a preset automatic error intelligent contract, human resources are saved, and classification efficiency is improved.
In order to improve the checking performance and the checking fault tolerance of the blockchain, the invention adopts a flexibly configurable data slicing algorithm to carry out slicing processing on the data to be checked based on the concept of binary search. The essence of reconciliation is to find inconsistent error transaction data in mass data, so that the improvement of the searching speed is a key for improving the reconciliation performance and efficiency. The hash message digests generated by the same data are identical, and according to the principle, as much data as possible are constructed into a piece, so that the reconciliation efficiency can be greatly improved. Based on the method, a reconciliation data slicing algorithm is designed, namely, specific data slicing algorithm parameters are flexibly adjusted according to business operation conditions, reconciliation error rates, the number of participating mechanisms, a digital currency system unitization technical architecture and other factors, and the data to be reconciled is divided into a plurality of parts.
According to an embodiment of the present invention, the transaction data has time information, and the data to be reconciled is fragmented based on the time information. And in the data to be checked out of one transaction batch, ordering the data to be checked out of the checking out mechanism and the checking out center according to the business processing time or transaction completion time of each transaction, and equally dividing the fragments according to the time interval to obtain a plurality of fragments corresponding to the data to be checked out.
In an embodiment of the invention, the transaction data has ordered message identification numbers; the fragment hash message digest is obtained by performing fragment on the data to be checked, then performing incremental sorting on transaction data of each fragment according to message identification numbers, and performing hash operation. Before hash operation is carried out on each fragment, the transaction data included in the fragment is ordered to ensure that the sequence of the transaction data of each reconciliation mechanism is completely consistent, and then hash operation is carried out on the ordered transaction data, so that a fragment hash message digest can be obtained. For example, in one transaction batch (e.g., transaction data within 1 hour), the data to be reconciled of the reconciliation institution is ordered in sequence according to the "business process time" or "transaction completion time" of each transaction, and divided into 6 shares (i.e., divided at intervals of 10 minutes), each share being transaction data occurring within 10 minutes. For each transaction data (i.e. each fragment), the message identification numbers are used for incremental sequencing, and hash message digests are generated according to a hash algorithm, so that 6 fragment hash message digests are finally obtained.
According to still another embodiment of the present invention, when the data amount of the data to be reconciled exceeds a first threshold, the slicing time interval is reduced and the number of slices is increased; and when the data quantity of the data to be reconciled is smaller than a second threshold value, increasing the time interval of the fragments and reducing the number of the fragments, wherein the first threshold value is larger than the second threshold value. In the embodiment of the invention, through the self-adaptive adjustment of the slicing algorithm, excessive concussion of the data capacity of a single slice can be avoided when the traffic is too large or too small, so that the reconciliation efficiency is influenced. Specifically, when the traffic is too large, in order to avoid low account checking fault tolerance caused by too much data of one piece, the time interval of the piece is shortened, the number of the piece is increased, and the data of each piece is consistent with the data of each piece in normal times; when the traffic is smaller, in order to avoid low reconciliation efficiency caused by too little fragmented data, the time interval of the fragmented is prolonged, the number of the fragmented is reduced, and the data capacity of each fragmented is kept stable. Thus, the influence of unbalance of the data quantity on the account checking efficiency can be avoided; meanwhile, the fault tolerance of the reconciliation mode can be improved. For example, when the traffic is large, if the data amount of each fragment is too large, then when an error occurs in one transaction, all data of the whole fragment is caused to be subjected to detail checking; after the slices are adjusted to be a plurality of slices (for example, N slices) by the adaptive adjustment algorithm of the embodiment, when an error occurs in one transaction, only the data of the slice to which the transaction data with the error belongs need to be subjected to detail checking, and the checking data quantity is 1/N of that before the adaptive adjustment, so that the checking efficiency is greatly improved, and meanwhile, the occurrence of the checking error possibly caused by excessive data is avoided, thereby improving the fault tolerance of the checking.
Fig. 2 is a schematic diagram of a frame of a reconciliation system in accordance with an embodiment of the invention. As shown in fig. 2, in the reconciliation system of the embodiment of the present invention, the blockchains of the central ends of the reconciliation participant a mechanism, B mechanism and C include blockchain nodes and a chaining system, and the blockchain nodes and the chaining system can perform chain uplink and downlink interaction based on event, and the blockchain nodes of the central ends of the a mechanism, B mechanism and C have a data synchronization function. And deploying an intelligent contract for the block chain node of the C center end through the client, wherein the intelligent contract is used for automatically comparing data in the block chain link points. The smart contract is synchronized into the blockchain nodes of the a-and B-organizations by the data synchronization function of the blockchain node itself. When inconsistent transaction data is found after accounting, the C center end sends the inconsistent transaction data to an error processing platform through a chaining system to process errors, after the error processing is completed, the C center end uplinks and stores error processing results into a blockchain node of the C center end through the chaining system, and then the blockchain nodes are synchronized into a blockchain node of an A mechanism and a blockchain node through a data synchronization function of the blockchain, and the accounting state of the transaction data in an accounting book of the blockchain node is modified through intelligent contracts by the A mechanism, the B mechanism and the C center end.
FIG. 3 is a schematic diagram of automated reconciliation data layer interactions in accordance with an embodiment of the invention. As shown in fig. 3, the checking mechanism involved in checking includes, for example, an operation mechanism of digital money, a partner bank, an acceptance mechanism, a merchant, or the like; the business interaction layer comprises an interconnection platform, an account checking block chain and the like; the central management layer is, for example, a reconciliation management platform of a central side (central row), or the like. The reconciliation block chain is used for acquiring a fragment hash message digest and a detail hash message digest of reconciliation data which are uplink to the reconciliation organization and the central-end reconciliation management platform, reconciling, and transmitting transaction data of reconciliation errors to the central-end reconciliation management platform. The central-end reconciliation management platform sends the transaction data of the reconciliation errors to the reconciliation mechanism through the interconnection and interworking platform, so that the reconciliation mechanism carries out error processing on inconsistent transaction data contained in the error processing request after receiving the error processing request sent by the interconnection and interworking platform, and returns an error processing result to the central-end reconciliation management platform through the interconnection and interworking platform so as to update the state of the transaction data of the reconciliation errors. In the embodiment of the invention, the central-end reconciliation management platform comprises an error processing platform for performing error processing and a transaction data summarizing platform for summarizing the total amount of data to be reconciled of the reconciliation institution through the interconnection and interworking platform.
Fig. 4 is a schematic diagram of a slice-based automated reconciliation process in accordance with an embodiment of the invention. As shown in fig. 4, the automatic reconciliation process based on the slicing according to the embodiment of the invention mainly includes the following steps:
1. processing to-be-reconciled data: the method comprises the steps that the blockchain reconciliation service of a central-end reconciliation management platform obtains the total amount of data to be reconciled of all reconciliation institutions through an interconnection and interworking platform at regular time;
2. data slicing processing: based on the concept of 'binary search', data slicing is carried out on to-be-checked account data of a transaction batch of the center end and the checking mechanism. Specifically, the fragments are carried out according to the time information of the transaction data, and the transaction data of each fragment are ordered according to the message identification. In one embodiment of the invention, for example, the data to be reconciled for a transaction batch is divided into 6 slices;
3. the piece hash message digest is uplink: after the central end and the account checking mechanism end generate the fragment data according to the same fragment rule, hash processing is carried out on each fragment data to generate a fragment hash message digest and the fragment hash message digest is uplink. In the foregoing embodiment, the central side and the accounting mechanism side both uplink 6 piece hash message digests;
4. summarizing and checking: an automatic checking intelligent contract is deployed on a checking block chain in advance, the intelligent contract is triggered, the checking of each piece of hash message abstract of a checking center end and each piece of hash message abstract of a checking mechanism end is automatically executed, the checking is consistent, and the checking of the transaction data of the pieces is successful; checking inconsistency, wherein the fragment automatically enters a detail checking stage;
5. Detail hash message digest chaining: for the fragments with failed fragment checking, the center end and the checking mechanism end calculate the detailed hash message abstract of each transaction data in the fragments and send the abstract to the checking block chain;
6. and (3) detail account checking processing: triggering an automatic checking intelligent contract which is deployed in advance on a checking block chain, automatically executing the checking of each detail hash message abstract at a central line end and each detail hash message abstract at a checking mechanism end, and checking to be consistent, wherein the detail checking is successful; checking inconsistency, and automatically entering an error processing flow;
7. automatic error handling: after each accounting mechanism finishes accounting, batch accounting results of the mechanism are generated, error reasons are classified on transaction data with accounting failure in detail according to related business rules uniformly formulated by a central terminal, and error detail data with accounting failure of the batch participation mechanism and the interconnection platform are generated. The reconciliation error processing platform receives the reconciliation error data, screens the error data to be processed, and notifies the related reconciliation institutions of the error data by calling a reconciliation error automatic processing interface provided by the reconciliation institutions. The account checking mechanism carries out error processing according to an error processing standard flow provided by the central terminal in a unified way, returns a receipt to the account checking error processing platform after processing is finished, and updates the error processing state to be 'processing finished' after the account checking error processing platform receives the receipt. And for the transaction with the overtime feedback-free processing result, the reconciliation error processing platform performs alarm processing.
FIG. 5 is a schematic diagram of the main blocks of a blockchain-based reconciliation device in accordance with an embodiment of the invention. As shown in fig. 5, the blockchain-based reconciliation device 500 of the embodiment of the present invention mainly includes a piece-wise hash comparison module 501, a detail hash acquisition module 502, and a detail hash comparison module 503.
A sliced hash comparison module 501, configured to trigger an intelligent contract to perform comparison of sliced hash message digests in response to receiving sliced hash message digests of data to be reconciled, which are uplink to a reconciliation participant, where the intelligent contract is pre-deployed on a blockchain, and the sliced hash message digests are obtained by performing hash operation on each slice after slicing the data to be reconciled;
a detail hash obtaining module 502, configured to notify the reconciliation participant to perform uplink of a detail hash message digest of transaction data included in a fragment with inconsistent comparison if the fragment hash message digest is inconsistent in comparison;
and the detail hash comparison module 503 is configured to trigger the intelligent contract to perform comparison of the detail hash message digests in response to receiving the detail hash message digests uplink to the reconciliation participant, so as to find inconsistent transaction data, and generate a reconciliation result.
According to one embodiment of the invention, blockchain-based reconciliation apparatus 500 may further include a reconciliation result generation module (not shown) for:
and under the condition that the comparison of the hash message digests is consistent, directly generating a reconciliation result.
According to another embodiment of the invention, the reconciliation participant comprises a reconciliation mechanism and a reconciliation center; blockchain-based reconciliation apparatus 500 may also include an error handling module (not shown) for:
and sending the inconsistent transaction data to an error processing platform, so that the error processing platform performs error processing by calling the reconciliation mechanism, and acquiring an error processing result fed back by the reconciliation mechanism.
According to yet another embodiment of the present invention, blockchain-based reconciliation apparatus 500 may further include an error classification module (not shown) for:
before sending the inconsistent transaction data to an error processing platform, marking error classification for the inconsistent transaction data according to a preset business rule;
blockchain-based reconciliation apparatus 500 may also include an error classification transmission module (not shown) for:
and when the inconsistent transaction data is sent to the error processing platform, sending the error classification of the inconsistent transaction data to the error processing platform.
According to yet another embodiment of the present invention, the preset business rules are implemented as an automatic error intelligence contract; an error classification module (not shown) may also be used to
And calling an automatic error intelligent contract, and marking error classification for the inconsistent transaction data according to specific transaction scenes and failure reasons.
According to still another embodiment of the present invention, the reconciliation facility performs error handling in accordance with an error handling procedure corresponding to the error classification of the inconsistent transaction data.
According to yet another embodiment of the present invention, the transaction data has time information, and the data to be reconciled is fragmented based on the time information.
According to a further embodiment of the invention, the transaction data has an ordered message identification number; the fragment hash message digest is obtained by performing fragment on the data to be checked, then performing incremental sorting on transaction data of each fragment according to message identification numbers, and performing hash operation.
According to still another embodiment of the present invention, when the data amount of the data to be reconciled exceeds a first threshold, the slicing time interval is reduced and the number of slices is increased; and when the data quantity of the data to be reconciled is smaller than a second threshold value, increasing the time interval of the fragments and reducing the number of the fragments, wherein the first threshold value is larger than the second threshold value.
According to the technical scheme of the embodiment of the invention, the intelligent contract is triggered to execute comparison of the split hash message digests by responding to the received split hash message digests of the data to be reconciled, which are uplink to the reconciliation participant, wherein the intelligent contract is pre-deployed on a blockchain, and the split hash message digests are obtained by carrying out hash operation on each split after the data to be reconciled is split; notifying a reconciliation participant to carry out the uplink of the detailed hash message digest of the transaction data included in the inconsistent fragment under the condition that the fragment hash message digest is inconsistent in comparison; in response to receiving the detailed hash message digest of the uplink of the reconciliation participants, triggering the intelligent contract to execute comparison of the detailed hash message digest so as to find inconsistent transaction data and generate a technical scheme of a reconciliation result; and the checking result is generated in real time on the blockchain and cannot be tampered, so that the credibility of the checking result is improved. Based on the theoretical basis of irreversibility and uniqueness of the hash algorithm, checking is performed by comparing hash message digests of data to be checked, and data privacy protection is enhanced. And the account checking data is compared based on the data slicing mode, so that error transaction can be positioned quickly, and the account checking speed is improved.
According to the technical scheme of the invention, the following beneficial effects can be achieved:
firstly, a hash algorithm is used for guaranteeing the security of distributed account data. The invention uses the hash message abstract to replace the traditional transaction detail plaintext, and uses the characteristic that the original information cannot be reversely deduced by the hash algorithm, thereby realizing data isolation among different participating reconciliation institutions and ensuring the safety of financial data;
and secondly, the hash algorithm and the data slicing algorithm are used for improving the data storage performance and the account checking efficiency. A hashed message digest is, for example, only 32 bytes, whereas the original piece of transaction data information exceeds, for example, 104 bytes. Taking 10% reconciliation error rate as an example, the present invention can save about 96.92% of blockchain storage space. By combining a data slicing algorithm, the method of checking account by summarizing and then detailing the checking account can effectively reduce the complexity of the algorithm, and greatly improve the checking account efficiency;
third, the intelligent contract technology based on the blockchain ensures that the account checking result cannot be tampered. The intelligent contract automatically performs transaction verification on each blockchain node and performs consensus among the blockchain nodes, and a consensus algorithm ensures distributed storage of the reconciliation result, thereby ensuring that the reconciliation data is not tamperable.
Through the innovation of the three aspects, the invention is expected to have good application prospect. In the aspect of application field, the invention can be applied to the scenes that financial market infrastructure provides accounting service for participants and financial institutions provide trade confirmation service for homonymy institutions or large clients; in terms of application degree, the invention can completely replace the traditional centralized account checking mode; in terms of application expected benefits, the invention can reduce the consumption of hardware storage equipment and network resources in the traditional reconciliation mode, and can further reduce the labor cost of enterprises for reconciliation and other business operations; for the application effect, the invention can improve the accounting efficiency and the accounting automation level of the infrastructure, and further improve the external service level and the market competitiveness of the infrastructure; for supervision and management, the real-time performance and accuracy of reconciliation are improved, so that the financial supervision authorities can better conduct penetration supervision.
FIG. 6 illustrates an exemplary system architecture 600 of a blockchain-based reconciliation method or blockchain-based reconciliation device in which embodiments of the invention may be applied.
As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 is used as a medium to provide communication links between the terminal devices 601, 602, 603 and the server 605. The network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
A user may interact with the server 605 via the network 604 using the terminal devices 601, 602, 603 to receive or send messages, etc. Various communication client applications such as a commercial banking application, a digital money wallet application, etc. (by way of example only) may be installed on the terminal devices 601, 602, 603.
The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.
The server 605 may be a server providing various services, such as a background management server (by way of example only) that provides support for reconciliation requests issued by users using the terminal devices 601, 602, 603. The background management server can trigger the intelligent contract to execute comparison of the fragment hash message digests on the received data such as the reconciliation request, and under the condition that the comparison of the fragment hash message digests is inconsistent, the reconciliation participant is informed to execute the uplink of the detail hash message digests of transaction data included in the inconsistent fragments, the intelligent contract is triggered to execute comparison peer-to-peer processing of the detail hash message digests in response to the received detail hash message digests of the reconciliation participant, and processing results (such as inconsistent transaction data and reconciliation results-only examples) are fed back to the terminal equipment.
It should be noted that, the blockchain-based accounting method provided by the embodiment of the present invention is generally executed by the server 605, and accordingly, the blockchain-based accounting device is generally disposed in the server 605.
It should be understood that the number of terminal devices, networks and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 7, there is illustrated a schematic diagram of a computer system 700 suitable for use in implementing a terminal device or server in accordance with an embodiment of the present invention. The terminal device or server shown in fig. 7 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, ROM 702, and RAM 703 are connected to each other through a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output portion 707 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 708 including a hard disk or the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. The drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read therefrom is mounted into the storage section 708 as necessary.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 709, and/or installed from the removable medium 711. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 701.
The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described units or modules may also be provided in a processor, for example, as: a processor includes a piece-wise hash comparison module, a detail hash acquisition module, and a detail Ha Xibi pair module. Where the names of these units or modules do not constitute a limitation on the unit or module itself in some cases, for example, the piece-wise hash comparison module may also be described as "a module for triggering the smart contract to perform comparison of piece-wise hash message digests in response to receiving piece-wise hash message digests of data to be reconciled that are uplink to the reconciliation participant".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: in response to receiving a piece of hash message digest of data to be reconciled, which is uplink to a reconciliation participant, triggering an intelligent contract to execute comparison of the piece of hash message digest, wherein the intelligent contract is pre-deployed on a blockchain, and the piece of hash message digest is obtained by performing hash operation on each piece of data to be reconciled after the piece of data to be reconciled is segmented; under the condition that the comparison of the hash message digests of the fragments is inconsistent, notifying the reconciliation participants to carry out the uplink of the detail hash message digests of the transaction data included in the fragments with inconsistent comparison; and triggering the intelligent contract to execute comparison of the detail hash message digests to find inconsistent transaction data and generate a reconciliation result in response to receiving the detail hash message digests of the reconciliation participants.
According to the technical scheme of the embodiment of the invention, the intelligent contract is triggered to execute comparison of the split hash message digests by responding to the received split hash message digests of the data to be reconciled, which are uplink to the reconciliation participant, wherein the intelligent contract is pre-deployed on a blockchain, and the split hash message digests are obtained by carrying out hash operation on each split after the data to be reconciled is split; notifying a reconciliation participant to carry out the uplink of the detailed hash message digest of the transaction data included in the inconsistent fragment under the condition that the fragment hash message digest is inconsistent in comparison; in response to receiving the detailed hash message digest of the uplink of the reconciliation participants, triggering the intelligent contract to execute comparison of the detailed hash message digest so as to find inconsistent transaction data and generate a technical scheme of a reconciliation result; and the checking result is generated in real time on the blockchain and cannot be tampered, so that the credibility of the checking result is improved. Based on the theoretical basis of irreversibility and uniqueness of the hash algorithm, checking is performed by comparing hash message digests of data to be checked, and data privacy protection is enhanced. And the account checking data is compared based on the data slicing mode, so that error transaction can be positioned quickly, and the account checking speed is improved.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.
Claims (12)
1. A blockchain-based reconciliation method, comprising:
in response to receiving a piece of hash message digest of data to be reconciled, which is uplink to a reconciliation participant, triggering an intelligent contract to execute comparison of the piece of hash message digest, wherein the intelligent contract is pre-deployed on a blockchain, and the piece of hash message digest is obtained by performing hash operation on each piece of data to be reconciled after the piece of data to be reconciled is segmented;
under the condition that the comparison of the hash message digests of the fragments is inconsistent, notifying the reconciliation participants to carry out the uplink of the detail hash message digests of the transaction data included in the fragments with inconsistent comparison;
and triggering the intelligent contract to execute comparison of the detail hash message digests to find inconsistent transaction data and generate a reconciliation result in response to receiving the detail hash message digests of the reconciliation participants.
2. The reconciliation method of claim 1, further comprising:
and under the condition that the comparison of the hash message digests is consistent, directly generating a reconciliation result.
3. The reconciliation method of claim 1, wherein the reconciliation participant comprises a reconciliation facility and a reconciliation center; the method further comprises the steps of:
and sending the inconsistent transaction data to an error processing platform, so that the error processing platform performs error processing by calling the reconciliation mechanism, and acquiring an error processing result fed back by the reconciliation mechanism.
4. The reconciliation method of claim 3, wherein prior to sending the inconsistent transaction data to the error handling platform, further comprising:
marking error classification for the inconsistent transaction data according to a preset business rule;
transmitting the inconsistent transaction data to an error handling platform further comprises:
and transmitting the error classification of the inconsistent transaction data to an error processing platform.
5. The reconciliation method of claim 4, wherein the preset business rules are implemented as an automated error intelligence contract; marking the inconsistent transaction data with error classification according to a preset business rule comprises the following steps:
And calling an automatic error intelligent contract, and marking error classification for the inconsistent transaction data according to specific transaction scenes and failure reasons.
6. The reconciliation method of claim 4, wherein the reconciliation mechanism performs error handling in accordance with an error handling procedure corresponding to the error classification of the inconsistent transaction data.
7. The reconciliation method of claim 1, wherein the transaction data has time information and the data to be reconciled is fragmented based on the time information.
8. The method of claim 1, wherein the transaction data has an ordered message identification number; the fragment hash message digest is obtained by performing fragment on the data to be checked, then performing incremental sorting on transaction data of each fragment according to message identification numbers, and performing hash operation.
9. The reconciliation method of claim 1, wherein when the data amount of the data to be reconciled exceeds a first threshold, the fragmentation interval is reduced and the number of fragments is increased; and when the data quantity of the data to be reconciled is smaller than a second threshold value, increasing the time interval of the fragments and reducing the number of the fragments, wherein the first threshold value is larger than the second threshold value.
10. A blockchain-based reconciliation apparatus, comprising:
the system comprises a piece hash comparison module, a piece hash comparison module and a piece hash processing module, wherein the piece hash comparison module is used for triggering an intelligent contract to execute comparison of piece hash message digests in response to receiving the piece hash message digests of data to be checked, which are uplink to a checking party, wherein the intelligent contract is deployed on a blockchain in advance, and the piece hash message digests are obtained by carrying out hash operation on each piece after the data to be checked is segmented;
the detailed hash acquisition module is used for notifying the reconciliation participant to carry out the uplink of the detailed hash message digest of the transaction data included in the inconsistent fragments under the condition that the fragment hash message digest is inconsistent in comparison;
and the detail hash comparison module is used for triggering the intelligent contract to execute the comparison of the detail hash message digests in response to receiving the detail hash message digests of the uplink of the reconciliation participants so as to find inconsistent transaction data and generate a reconciliation result.
11. A blockchain-based reconciliation electronic device, comprising:
one or more processors;
storage means for storing one or more programs,
When executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-9.
12. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-9.
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| CN202111537494.3A CN116263925A (en) | 2021-12-15 | 2021-12-15 | Accounting method and device based on blockchain |
| PCT/CN2022/138861 WO2023109841A1 (en) | 2021-12-15 | 2022-12-14 | Blockchain-based reconciliation method, apparatus, and system |
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| CN117314662A (en) * | 2023-09-06 | 2023-12-29 | 金网络(北京)数字科技有限公司 | Intelligent account checking method, system, equipment and storage medium |
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