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Method and system for realizing government-bank subsidy fund management by using block chain

A fund management and blockchain technology, applied in finance, payment systems, data processing applications, etc., can solve the problems of inability to monitor transaction links, high labor costs, and inadequate supervision, achieving automatic processing, reducing manual operations, The effect of protecting privacy

Pending Publication Date: 2021-01-15
FUJIAN RURAL CREDIT UNION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For example, Ping An City Construction Technology (Shenzhen) Co., Ltd. applied on April 16, 2019, with the publication number CN109636251A for the invention patent "Fund Supervision Method, System, Terminal and Storage Medium", which provides a fund supervision method to solve the problem of fund supervision. The business is operated offline, and the technical problems of high labor costs have improved the efficiency of fund supervision business
[0003] Under the existing government-bank cooperation model, the government-bank fund supervision system has only completed online business processing, and the systems between government departments, commercial banks, and enterprises and institutions are fragmented, forming isolated islands of information. The data of each participant is independent of each other, and a series of complex mechanisms (such as reconciliation between two systems) are required to ensure data consistency; the supervisory unit is also unable to monitor the entire transaction process, resulting in insufficient supervision. happened

Method used

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  • Method and system for realizing government-bank subsidy fund management by using block chain
  • Method and system for realizing government-bank subsidy fund management by using block chain
  • Method and system for realizing government-bank subsidy fund management by using block chain

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Experimental program
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Effect test

Embodiment 1

[0065] This embodiment provides a method of using blockchain to realize the management of government and bank subsidy funds, such as figure 2 As shown, the following steps may be included:

[0066] Establish a blockchain account book, save the content that needs consensus in the process of government-bank fund management, and realize the safe preservation of government-bank fund management information and leave traces throughout the process. Customer information ledger;

[0067] Establish a smart contract, the smart contract includes a financial subsidy contract amount accumulation contract, a beneficiary information completion contract, a beneficiary’s repeated subsidy notification contract, and a purchaser information completion contract. When the blockchain account book is updated, all smart contract;

[0068] In the process of distributing subsidy funds, update and read the blockchain ledger according to the disbursement of subsidy funds;

[0069] Configure different p...

Embodiment 2

[0093] In this embodiment, a system that utilizes blockchain to realize government-bank subsidy fund management is provided, such as image 3 As shown, including: blockchain ledger module, smart contract module, subsidy fund distribution module and authority configuration module;

[0094] The block chain ledger module is used to establish a block chain ledger, save the content that requires consensus in the process of government-bank fund management, and realize the safe preservation of government-bank fund management information and leave traces throughout the process. The block chain ledger includes financial Subsidy contract ledger, financial subsidy distribution detailed ledger and customer information ledger;

[0095] The smart contract module is used to establish a smart contract, and the smart contract includes a financial subsidy contract amount accumulation contract, a beneficiary information completion contract, a beneficiary's repeated subsidy notification contract,...

specific Embodiment

[0117] 1. Designed a blockchain account book suitable for the government-bank fund management system, including the financial subsidy contract account book, the financial subsidy distribution account book, and the customer information account book, to realize the safe preservation of government-bank financial service information and cannot be tampered with.

[0118] 2. Designed a blockchain smart contract suitable for the government-bank fund management system, including the financial subsidy contract amount accumulation contract, the beneficiary information completion contract, the beneficiary’s repeated subsidy notification contract, and the buyer’s information completion contract, to realize the government-bank Automated processing of financial services, reducing manual operations.

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Abstract

The invention discloses a method for realizing government-bank subsidy fund management by using a block chain, which comprises the following steps of: establishing a block chain account book, storingcontent required to be consensus in a government-bank fund management process, and realizing safe storage and whole-process trace reservation of government-bank fund management information; establishing an intelligent contract, wherein the intelligent contract comprises a financial subsidy contract amount accumulation contract, a beneficiary information completion contract, a beneficiary repeatedsubsidy notification contract and a purchaser information completion contract, and when the block chain account book is updated, automatically updating the intelligent contract; in the subsidy fund distribution process, updating and reading the blockchain account book according to the subsidy fund distribution condition; configuring different authorities for the related participants, so that the related participants supervise, monitor and check the block chain account book to which the participants belong and the intelligent contract information. According to the method and the system providedby the invention, the data consistency of government departments and commercial banks is realized, and the government departments can timely and effectively supervise subsidy fund distribution.

Description

technical field [0001] The invention relates to the technical field of fund management, in particular to a method and system for realizing government-bank subsidy fund management by using blockchain. Background technique [0002] As the main body of the financial system, commercial banks, in the process of regional economic development, use their own professional advantages and financial strength in the financial field, combined with local government departments' understanding of enterprises and institutions in terms of production and operation, industrial and commercial taxation, etc., to serve local enterprises. Public institutions provide precise and supporting financial services to jointly promote the rapid development of the social economy and achieve a win-win situation for the government, banks and enterprises. This cooperation model mainly uses the data storage and data operation functions of the information system to bring government-bank financial services online. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/40G06Q40/02G06F21/62G06F21/64
CPCG06Q20/3821G06Q20/4014G06F21/64G06F21/6245G06Q40/02G06F2221/2141
Inventor 马胜蓝纪宠国郭超年陶然王桐森吴刚
Owner FUJIAN RURAL CREDIT UNION
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