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Financial management information chaining method based on block chain

A blockchain and fiat currency technology, applied in the blockchain field, can solve problems such as ignoring the potential risks of wealth management products, and achieve the effect of protecting rights and ensuring transparency

Pending Publication Date: 2020-06-12
YLZ INFORMATION TECH CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, when users purchase wealth management products through the Internet, they often ignore the potential risks of wealth management products, such as information disclosure, potential loss risks, etc.

Method used

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  • Financial management information chaining method based on block chain

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Experimental program
Comparison scheme
Effect test

Embodiment

[0026] refer to figure 1 As shown, the present invention discloses a blockchain-based financial management information on-chain method, comprising the following steps:

[0027] S1. Before the financial institution issues a financial product, it pays a deposit to the fiat currency receiving node and submits the smart contract elements of the financial product. The smart contract elements include expected annualization, fund use, and financial cycle.

[0028] S2. After the fiat currency receiving node confirms the receipt of the deposit, it submits the corresponding wealth management contract transaction to the audit node.

[0029] S3. After the audit node signs the transaction of the financial management contract, the electronic financial management contract is registered successfully, and is synchronized to the blockchain at the same time, and returns the hash value of the electronic financial management contract to the financial management client.

[0030] S4. The user brows...

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Abstract

The invention discloses a financial information chaining method based on a block chain, and the method comprises the following steps that a financial institution pays deposit to a legal currency receiving node, and submits an intelligent contract element of a financial product; after the legal currency receiving node confirms that the deposit is received, the legal currency submits a correspondingfinancial contract transaction to the auditing node; after signing the financial contract transaction, the auditing node synchronizes the financial contract transaction to the blockchain, and returnsa hash value of the electronic financial contract to the financial client; the user purchases a financial product through the financial client, the financial client generates a payment order and sends the payment order to the legal currency payment system, and meanwhile, the payment order number and the multi-signature number of the electronic financial contract corresponding to the financial product are sent to the legal currency receiving node; the user signs the payment transaction; the legal currency receiving node, the user and the financing institution sign corresponding transactions byusing private keys respectively; and the auditing node packages and uplinks the transaction of the electronic financial contract, and returns a query hash value of the transaction.

Description

technical field [0001] The invention relates to the technical field of block chains, in particular to a method for uploading wealth management information based on block chains. Background technique [0002] The growing demand for wealth management has led to the issuance of a large number of bank wealth management products into the market. At present, when users purchase wealth management products through the Internet, they often ignore the potential risks of wealth management products, such as information disclosure and potential loss risks. How to ensure that when users purchase wealth management products, the records of wealth management contracts are authentic and reliable, and fully protect the rights and interests of users, which is an urgent problem to be solved. Contents of the invention [0003] In order to solve the above problems, the present invention provides a blockchain-based method for uploading wealth management information. [0004] The present inventi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/06G06Q20/38G06Q10/10G06Q40/04G06Q40/06G06F16/27G06F21/62G06F21/64
CPCG06Q20/065G06Q20/3827G06Q20/3829G06Q20/3825G06Q10/10G06Q40/04G06Q40/06G06F16/27G06F21/6218G06F21/64
Inventor 高锋连日进陈秀琴范自道邓敬渔
Owner YLZ INFORMATION TECH CO LTD