Fund deposit management method, device and system based on block chain

Abstract

The invention provides a fund deposit management method, device and system based on a block chain, and the method comprises the steps: verifying the identity of a client, and receiving a transaction request initiated by the client after verification is passed; and verifying the digital signature of the transaction request, encrypting the transaction request passing the verification by adopting a preset algorithm, and then uploading the encrypted transaction request to a chain, so that the block chain performs consensus on the transaction request and then delivers the transaction request to a fund deposit and management system for transaction processing, and the block chain performs transaction evidence deposit for transaction supervision by a supervision institution. By establishing the fund deposit and management block chain, each party realizes the purposes of settlement, clearing transaction instruction transmission, transaction processing and result sharing by accessing the block chain, so that the problems of poor timeliness, low safety and the like of a traditional fund deposit and management system are solved.

Description

technical field [0001] This application belongs to the technical field of block chain, and specifically relates to a method, device and system for depositing and managing funds based on block chain. Background technique [0002] With the popularization and development of the capital market, the fund depository business has grown rapidly. Taking the three-party depository as an example, it provides fund settlement and liquidation services for a total of about 110 million investors, and the depository funds are about 1.2 trillion yuan. The traditional fund depository system adopts a centralized processing mode. In terms of connecting with peers, we have cooperated with more than 1,000 various securities companies, futures companies, trading markets, payment institutions and other peer institutions in the Internet and fund depository; Each trading channel provides service channels for investors; in terms of supervision, it is connected with the system of competent regulatory a...

AI Technical Summary

Problems solved by technology

[0003] However, traditional fund depository systems (such as figure 1 Shown) can no longer adapt to the needs of today's business development, and there are the following problems:

Data format conversion is required before data communication, and data consistency is difficult to guarantee

[0005] (2) System performance lags behind

The technical architecture of each participant's system is different, the communication method and secret verification method are different, the transaction link is lengthy, and the timeliness of transaction processing cannot be guaranteed

Unable to meet the increasing user pressure on system capacity and high availability requirements

[0006] (3) Low transaction processing efficiency

This method can indeed solve the problem of unification of accounts, but it will bring problems of incomplete synchronization during the day and long time-consuming processing of account reconciliation at night

[0007] (4) Regulatory time lag

In order to perform regulatory duties, the competent authority needs to obtain relevant transaction data from the partner system and each bank system respectively. The timeliness of supervision is poor and error-prone, and it is impossible to accurately check transaction information

[0008] (5) High system construction cost

Each bank has its own set of interfaces and authentication systems. If the partner system needs to connect to multiple banks, the cost of connection will be high

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