Blockchain-based file management method, device, equipment and medium

Abstract

A file management method based on blockchain is provided, which belongs to the field of blockchain technology and finance. The file includes a manual of a financial product, and the file management method includes: obtaining an update request, wherein the update request includes the product information of the financial product and the updated content of the manual; the blockchain responds to the update request, queries the product information of the financial product to determine the update type, wherein the update type includes new creation and modification; the blockchain calls a verification smart contract according to the update request to verify the manual of the financial product; and when the verification passes, the manual of the financial product is updated according to the update type, the product information of the financial product and the updated content of the manual, and the update result is stored on the blockchain. A file management device, electronic device and storage medium based on blockchain are also provided.

Description

Technical Field

[0001] The present disclosure relates to the field of blockchain technology, specifically to blockchain technology applied in the financial field, and more specifically to a blockchain-based file management method, device, electronic device, and computer-readable storage medium. Background Art

[0002] The "Banking Product Description Specification" (GB / T 32319-2015) stipulates the composition and display requirements of financial product descriptions provided by commercial banks to bank customers, involving financial products such as wealth management, deposits, loans and bills. At present, the storage and update of financial product descriptions have the following problems. Existing product descriptions are generally released together with product parameter information. The product description file data is downloaded to different sales channels through batch programs and displayed to customers after batch loading through the channels. The update frequency is T days for new or modified products and T+1 days for display and update. The timeliness is low and information is not shared in time. The product description is directly displayed to customers, which is an important decision-making basis for customers to invest in financial products. The accuracy requirement is high, but it is currently only reviewed manually, which has operational risks. If the product description is garbled or the parameter information is incorrect, it may cause customer complaints or even regulatory review. In addition, the existing storage method is not very secure. If hackers break into the server and log in to the corresponding system, they can easily steal and tamper with the system or website product description information. In summary, the current management method of financial product descriptions has the characteristics of untimely sharing, failure to ensure content accuracy and low security. Summary of the invention

[0003] In view of at least one aspect of the above problems, some embodiments of the present disclosure provide a blockchain-based file management method, device, electronic device, and computer-readable storage medium.

[0004] According to one aspect of an embodiment of the present disclosure, a blockchain-based file management method is provided, which is applied to a blockchain network node, wherein the file includes a specification of a financial product, wherein the blockchain-based file management method includes the following steps:

[0005] Obtaining an update request, wherein the update request includes product information of the financial product and updated content of the instruction manual;

[0006] In response to the update request, query product information of the financial product to determine an update type, wherein the update type includes creation and modification;

[0007] Invoke a verification smart contract according to the update request to verify the specification of the financial product, wherein the verification smart contract at least includes a verification rule for verifying the specification of the financial product; and

[0008] When the verification passes, the instruction manual of the financial product is updated according to the update type, the product information of the financial product and the updated content of the instruction manual, and the update result is stored on the blockchain.

[0009] According to some exemplary embodiments, the verification smart contract includes at least one of an instruction template corresponding to the product information, a user-defined verification rule, an intelligently generated verification rule, and a verification rule extracted based on financial regulatory documents.

[0010] According to some exemplary embodiments, the verification smart contract includes a specification template corresponding to the product information, wherein calling the verification smart contract to verify the specification of the financial product includes: verifying the content of the fixed format part of the specification of the financial product according to the specification template.

[0011] According to some exemplary embodiments, the verification smart contract includes a set of product parameter verification rules, and the set of product parameter verification rules includes multiple product parameters of the financial product and multiple verification values, and the multiple parameters correspond to the multiple verification values ​​respectively.

[0012] According to some exemplary embodiments, calling the verification smart contract to verify the specification of the financial product includes: extracting multiple product parameters and multiple product parameter values ​​in the specification; and comparing the multiple product parameter values ​​with the multiple verification values ​​respectively.

[0013] According to some exemplary embodiments, the verification smart contract includes a set of user-defined verification rules, and the blockchain-based file management method also includes: based on the product information included in the update request, the user defines a set of product parameters to be verified and the verification values ​​of the product parameters.

[0014] According to some exemplary embodiments, the verification smart contract includes a set of intelligently generated verification rules, and the blockchain-based file management method also includes: determining similar financial products based on the product information included in the update request, wherein the similar financial products have a specified first similarity with the financial products included in the update request; extracting the verification rules of the instructions of the similar financial products; and generating the verification rules of the instructions of the financial product to be verified based on the verification rules of the instructions of the similar financial products.

[0015] According to some exemplary embodiments, the verification smart contract includes verification rules extracted based on financial regulatory documents, and the blockchain-based file management method also includes: obtaining financial regulatory documents; extracting regulatory information related to the product information included in the update request from the financial regulatory documents; and generating verification rules for the instructions of the financial product to be verified based on the regulatory information.

[0016] According to some exemplary embodiments, the update request includes a product code, a parameter code, a parameter value, a specification template code, updated content of the specification, and a timestamp.

[0017] According to some exemplary embodiments, the blockchain responds to the update request and queries the product information of the financial product to determine the update type, including: when the product information included in the update request is queried in the blockchain, determining that the update type is to modify the instructions for the financial product; and when the product information included in the update request is not queried in the blockchain, determining that the update type is to create an instruction manual for a new financial product.

[0018] According to some exemplary embodiments, verifying the contents of the fixed format portion of the instruction manual of the financial product based on the instruction manual template includes: extracting keywords of the corresponding parts of the instruction manual and the instruction manual template respectively through a neural network model; and calculating a second similarity between the keywords in the instruction manual and the keywords in the instruction manual template to verify the contents of the fixed format portion of the instruction manual of the financial product.

[0019] According to some exemplary embodiments, the extracting keywords of the corresponding parts of the instruction manual and the instruction manual template respectively through a neural network model includes: extracting multiple sentences from the fixed format part of the instruction manual of the financial product and the instruction manual template respectively; inputting the extracted multiple sentences into a bidirectional recurrent neural network model; the bidirectional recurrent neural network model outputs the probability of word occurrence; and when the probability of a word occurrence is greater than a preset value, determining that the word is a keyword.

[0020] According to some exemplary embodiments, the second similarity is cosine similarity.

[0021] According to some exemplary embodiments, the blockchain-based file management method further includes: updating the instruction template.

[0022] According to some exemplary embodiments, updating the instruction template includes: obtaining an instruction template update request; verifying the instruction template update request to determine that the instruction template update request is sent by an authorized financial institution; and in response to the instruction template update request, calling the instruction template smart contract to update the specified instruction template and storing the update result on the blockchain.

[0023] According to some exemplary embodiments, the blockchain-based file management method further includes: updating user-defined verification rules.

[0024] According to some exemplary embodiments, the updating of user-defined verification rules includes: obtaining a verification rule update request; verifying the verification rule update request to determine that the verification rule update request is sent by an authorized financial institution; and in response to the verification rule update request, calling the verification rule smart contract to update the specified user-defined verification rules, and storing the update results on the blockchain.

[0025] According to some exemplary embodiments, determining similar financial products based on the product information included in the update request includes: searching for a set of similar financial products using a clustering algorithm based on the product parameters in the update request, wherein the set of similar financial products includes a plurality of preliminary similar financial products; calculating a third similarity between the product parameters of each preliminary similar financial product and the product parameters in the update request; and determining the preliminary similar financial products whose third similarity is within a specified range as similar financial products.

[0026] According to some exemplary embodiments, generating verification rules for the instructions of the financial product to be verified based on the verification rules of the instructions of the similar financial products includes: extracting parameters and parameter values ​​included in the verification rules of the similar financial products; predicting the parameters and parameter values ​​of the financial product to be verified using a machine learning algorithm based on the extracted parameters and parameter values ​​of the similar financial products; and determining the predicted parameters and parameter values ​​as at least a part of the verification rules for the instructions of the financial product to be verified.

[0027] According to some exemplary embodiments, the verification rules for generating the instructions of the financial product to be verified based on the regulatory information include: performing word segmentation processing on the text corresponding to the regulatory information to obtain a word sequence; converting the word sequence into a word vector; using the word vector as input and using a convolutional neural network to calculate the fourth similarity between the regulatory information and the product information of the verification rule; screening out the regulatory information whose fourth similarity is within a specified range; and updating the verification rules using the screened regulatory information.

[0028] According to some exemplary embodiments, the blockchain-based file management method further includes: verifying the update request to determine that the update request is sent by an authorized financial institution.

[0029] According to some exemplary embodiments, the blockchain-based file management method further includes: when the verification fails, feeding back the reason why the verification fails.

[0030] According to some exemplary embodiments, the blockchain-based file management method further includes: when the verification fails, transferring the update request to a secondary verification link, wherein the secondary verification link is a manual review link.

[0031] According to some exemplary embodiments, the blockchain-based file management method further includes: when the secondary verification link is passed, calling the smart contract to update the specification of the financial product, and storing the update result on the blockchain.

[0032] According to another aspect of an embodiment of the present disclosure, there is provided a blockchain-based file management method, which is applied to a financial institution node, wherein the file includes an instruction manual of a financial product, wherein the blockchain-based file management method includes the following steps: sending an update request to the blockchain, wherein the update request includes product information of the financial product and updated content of the instruction manual; and when the content of the update request is verified, receiving an update result, wherein the update result is used to indicate that the update of the instruction manual of the financial product is successful.

[0033] According to some exemplary embodiments, the blockchain-based file management method further includes: sending at least one of a specification template update request and a verification rule update request to the blockchain.

[0034] According to another aspect of an embodiment of the present disclosure, there is provided a blockchain-based file management device, which is applied to a blockchain network node, wherein the file includes a specification of a financial product, wherein the blockchain-based file management device includes:

[0035] An update request acquisition module, wherein the update request includes product information of the financial product and update content of the specification;

[0036] An update type determination module, configured to: respond to the update request, query the product information of the financial product to determine an update type, wherein the update type includes creation and modification;

[0037] A verification module, configured to: call a verification smart contract according to the update request to verify the specification of the financial product; and

[0038] The file update module is used to: when the verification passes, update the specification of the financial product according to the update type, the product information of the financial product and the updated content of the specification, and store the update result on the blockchain.

[0039] According to another aspect of an embodiment of the present disclosure, there is provided an electronic device, comprising: one or more processors; a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned blockchain-based file management method.

[0040] According to another aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided, on which executable instructions are stored, and when the instructions are executed by a processor, the processor executes the above-mentioned blockchain-based file management method.

[0041] According to another aspect of an embodiment of the present disclosure, a computer program product is provided, including a computer program, which implements the above-mentioned blockchain-based file management method when executed by a processor. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0043] Figure 1 is a schematic block diagram of a blockchain-based file management system according to some exemplary embodiments of the present disclosure;

[0044] Figure 2 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method between a financial institution node device, a blockchain network, and a client node device;

[0045] Figure 3 is a flow chart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method on a blockchain network;

[0046] Figure 4 is a detailed flow chart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method on a blockchain network;

[0047] Figure 5 is a flow chart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method on a node device of a financial institution;

[0048] Figure 6 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the steps of using a specification template for verification in the file management method;

[0049] Figure 7 is a flowchart of a keyword extraction step of a blockchain-based file management method according to some exemplary embodiments of the present disclosure;

[0050] Figure 8 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the steps of performing verification using intelligently generated verification rules in the file management method;

[0051] Fig. 9 is a flow chart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates detailed steps of performing verification using intelligently generated verification rules in the file management method;

[0052] Fig.10 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the steps of performing verification using verification rules extracted from financial regulatory files in the file management method;

[0053] Fig.11 is a flow chart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the detailed steps of verifying using verification rules extracted from financial regulatory files in the file management method;

[0054] Fig.12 is a flowchart of updating a specification template included in a blockchain-based file management method according to some exemplary embodiments of the present disclosure;

[0055] Fig.13 is a flowchart of updating a user-defined verification rule included in a blockchain-based file management method according to some exemplary embodiments of the present disclosure;

[0056] Fig.14 A block diagram schematically shows a structure of a file management device based on blockchain according to an embodiment of the present disclosure; and

[0057] Fig.15 A block diagram of an electronic device suitable for implementing the above-mentioned blockchain-based file management method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0058] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0059] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0060] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0061] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0062] In this article, the term "financial product" may refer to the banking products defined in the "Banking Product Description Specification" (GB / T 32319-2015), which can be the financial services provided to the market by banks and other financial institutions to meet certain needs of customers and enable customers to obtain certain or potential benefits.

[0063] In this article, the expression "instructions for financial products" refers to the document that describes the financial products provided to bank customers. For example, "instructions for financial products" usually include required information, desirable information, and possible information. Among them, required information refers to the content that should be described for each financial product. If the required information is incomplete or unclear, it will lead to customers not being able to correctly understand the financial product. Desirable information refers to the content that should be described for each financial product. Desirable information will enable customers to establish a more complete, clear, and accurate understanding of the financial products. Possible information refers to information that the issuer of the financial product believes needs to be explained to the customer and is not mentioned in the required information and desirable information.

[0064] In this article, the instruction manual template of a financial product may include fixed content and a fixed format. For example, it may include risk warnings, product elements, investment scope, product operation instructions, product benefit instructions, information disclosure, etc. Among them, product elements and other contents may vary according to different product parameter values, and the contents linked to the parameters are saved in the instruction manual as variables.

[0065] The embodiments of the present disclosure provide a file management method, device, electronic device and computer-readable storage medium based on blockchain. For example, the file management method based on blockchain is applied to a blockchain network node, the file includes the instructions of a financial product, and the file management method based on blockchain includes the following steps: obtaining an update request, wherein the update request includes the product information of the financial product and the updated content of the instructions; responding to the update request, querying the product information of the financial product to determine the update type, wherein the update type includes new creation and modification; according to the update request, calling a verification smart contract to verify the instructions of the financial product, wherein the verification smart contract at least includes a verification rule for verifying the instructions of the financial product; and when the verification passes, the instructions of the financial product are updated according to the update type, the product information of the financial product and the updated content of the instructions, and the update result is stored on the blockchain. In the embodiments of the present disclosure, combined with the characteristics of blockchain technology such as non-tamperability and traceability, the dynamic iterative update information of the instructions of financial products and other files is stored on the blockchain by means of smart contracts, and the file content is verified to achieve real-time data sharing, ensure the accuracy of the file content, and ensure that the file cannot be tampered with, which is conducive to improving the security of the file.

[0066] Specifically, blockchain is a new application technology collection of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. From the data perspective, blockchain combines data blocks in a sequential manner in chronological order into a chain data structure, and the data structure is cryptographically guaranteed to be tamper-proof and unforgeable. From a technical perspective, blockchain technology integrates a variety of different technologies. By building a blockchain network, each node in the blockchain network obtains a complete copy of the database, and maintains the update of the blockchain-based database based on the consensus mechanism and competitive calculation. Thus, the decentralization and trustlessness of data storage and management are achieved through an end-to-end network composed of numerous node communications. In the embodiments of the present disclosure, based on the above-mentioned characteristics of blockchain technology, the dynamic iterative update information of documents such as the instructions of financial products can be stored on the blockchain, and the file content can be verified to achieve real-time data sharing, ensure the accuracy of the file content, and ensure that the file cannot be tampered with, which is conducive to improving the security of the file.

[0067] Figure 1 is a schematic block diagram of a blockchain-based file management system according to some exemplary embodiments of the present disclosure. Figure 1 From the perspective of hardware devices, the blockchain-based file management system may include a financial institution node device 11, a client node device 12, and a blockchain network 13, wherein the blockchain network 13 may include multiple blockchain network nodes 130. Exemplarily, a product management system is installed in the financial institution node device 11, and a terminal sales system is installed in the client node device 12. The blockchain network node 130 stores a smart contract, and manages the instructions and other documents of the financial product through the smart contract. For example, the number of financial institution node devices 11 and client node devices 12 can be one or more, and the financial institution node devices 11, client node devices 12 and the blockchain network 13 are respectively connected to each other through the network. For example, the financial institution node device 11 may include a PC computer and other devices set at the financial institution end, and the client node device 12 may include a mobile terminal, a PC computer, a smart terminal and other devices set at the client end. The network may include a wireless network (such as Bluetooth, WIFI, etc.), a wired network, etc. It can be the Internet or a local area network.

[0068] Figure 2 It is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method between a financial institution node device, a blockchain network, and a client node device. Figure 3 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method on a blockchain network.

[0069] For example, refer to Figure 2 The node device 11 of the financial institution updates the product manual template and verification rules by interacting with the blockchain network 13. After the node device 11 of the financial institution sends a product information update request to the blockchain network 13, the node 130 in the blockchain network 13 calls the information query module to confirm the update type, and calls the smart contract to verify the content of the product manual, and reaches a consensus on the update result information of the product manual and adds it to the blockchain. The client node device 12 interacts with the blockchain network 13 to obtain the updated product manual for display.

[0070] According to some exemplary embodiments, a blockchain-based file management method is provided, which is applied to a blockchain network node, and the file includes a financial product specification. Figure 2 and Figure 3 , the blockchain-based file management method 100 may include the following steps or operations.

[0071] In operation S310, an update request is obtained, wherein the update request includes product information of a financial product and update content of the specification.

[0072] For example, the update request includes a product code, a parameter code, a parameter value, a specification template code, updated content of the specification, and a timestamp.

[0073] In operation S320, in response to the update request, the product information of the financial product is queried to determine an update type, wherein the update type includes creation and modification.

[0074] For example, the blockchain responds to the update request and queries the product information of the financial product to determine the update type, including: when the product information included in the update request is queried in the blockchain, determining that the update type is to modify the instructions for the financial product; and when the product information included in the update request is not queried in the blockchain, determining that the update type is to create a new financial product. Instructions.

[0075] In operation S330, according to the update request, the verification smart contract is called to verify the specification of the financial product, wherein the verification smart contract at least includes a verification rule for verifying the specification of the financial product.

[0076] In operation S340, when the verification passes, the specification of the financial product is updated according to the update type, the product information of the financial product and the updated content of the specification, and the update result is stored on the blockchain.

[0077] Figure 4 is a detailed flow chart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method on a blockchain network. Figure 2 , Figure 3 and Figure 4 , the blockchain-based file management method 100 may include the following steps or operations.

[0078] In operation S410, an update request is obtained. For example, the update request may come from a product management system on the financial institution node device 11. The update request may include information for updating a file such as a financial product specification. For example, the update request may include information such as a newly added or modified product code, parameter code and parameter value, product template, product specification template code, product specification, modification timestamp, etc.

[0079] It should be noted that in the embodiments of the present disclosure, the number of financial institution node devices 11 may be one or more. Therefore, the product management systems on each financial institution node device 11 may have different permissions. In this case, the blockchain-based file management method 100 may also include: verifying the update request to determine that the update request is sent by an authorized financial institution. For example, after the blockchain network node 130 receives the update request from the product management system, the blockchain network node 130 needs to verify whether the update request is an update request sent by a financial institution that is authorized to perform the update. For example, the verification method may specifically adopt a verification method of public-private key signatures.

[0080] In operation S420, in response to the update request, the product information of the financial product is queried to determine an update type, wherein the update type includes new creation and modification.

[0081] In operation S430, according to the update request, a verification smart contract is called to verify the specification of the financial product, wherein the verification smart contract at least includes a verification rule for verifying the specification of the financial product.

[0082] For example, the verification smart contract can be synchronized to each blockchain network node 130. When the verification smart contract is executed, the product template information in the update request can be used as an index to query the product specification template and verification rules corresponding to the product template information, and then perform verification.

[0083] For example, the verification rules may include verification rules from internal sources and verification rules from external sources. For another example, the verification rules from internal sources may include a user-set instruction manual template for a financial product, and may also include user-defined verification rules and verification rules generated intelligently by the system. The verification rules from external sources may include verification rules extracted from the latest regulatory documents.

[0084] In operation S440, it is determined whether the manual verification has passed.

[0085] In operation S450, when the blockchain network receives the verification pass instruction, the smart contract is called according to the update type of the update request to update the parameters of the specified product and the content of the instruction manual, and the update result is added to the blockchain network.

[0086] Specifically, the smart contract is synchronized to each blockchain network node. If the update type is new creation, the new product smart contract is called to write the product information and instructions in the update request into the blockchain network; if the update type is modification, the product information and instructions in the update request are mapped with the product information and instructions in the blockchain network to obtain the mapping result, and the mapping result is written into the blockchain network through consensus.

[0087] In operation S460, when the verification fails, the reason for the verification failure is returned, and / or the update request is transferred to a secondary verification link, wherein the secondary verification link is a manual review link.

[0088] In operation S470, it is determined whether the secondary verification link has passed the review. If the secondary verification link has passed the review, it returns to operation S450, and calls the smart contract to update the parameters of the specified product and the content of the manual according to the update type of the update request, and adds the update result to the blockchain network.

[0089] In operation S480, when the audit of the secondary verification link fails, the reason for the failure of the audit and the audit result are returned.

[0090] Figure 5 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the execution of the file management method on a node device of a financial institution. Figure 2 , Figure 3 and Figure 5 , the blockchain-based file management method 200 may include the following steps or operations.

[0091] In operation S510, an update request is sent to the blockchain network 130, wherein the update request includes product information of the financial product and updated content of the specification.

[0092] In operation S520, when the content of the update request is verified, an update result is received, wherein the update result is used to indicate that the specification of the financial product is updated successfully.

[0093] According to some exemplary embodiments, the verification smart contract includes at least one of an instruction template corresponding to the product information, a user-defined verification rule, an intelligently generated verification rule, and a verification rule extracted based on financial regulatory documents.

[0094] For example, the verification smart contract includes a specification template corresponding to the product information. In this embodiment, calling the verification smart contract to verify the specification of the financial product includes: verifying the content of the fixed format part of the specification of the financial product according to the specification template.

[0095] Figure 6 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the steps of using a specification template for verification in the file management method.

[0096] Reference Figure 6 In some embodiments, verifying the content of the fixed format portion of the financial product's instructions according to the instructions template includes the following operations.

[0097] In operation S610, keywords of corresponding parts in the specification and the specification template are respectively extracted through a neural network model.

[0098] Figure 7 4 is a flowchart of a keyword extraction step of a blockchain-based file management method according to some exemplary embodiments of the present disclosure.

[0099] Specifically, refer to Figure 6 and Figure 7 , the extracting of keywords of the corresponding parts in the instruction manual and the instruction manual template respectively through a neural network model may include the following operations.

[0100] In operation S6101, a plurality of sentences are extracted from a fixed format portion of the specification sheet of the financial product and the specification sheet template, respectively.

[0101] In operation S6102, the extracted plurality of sentences are input into a bidirectional recurrent neural network model.

[0102] In operation S6103, the bidirectional recurrent neural network model outputs the probability of word occurrence.

[0103] In operation S6104, when the probability of the word appearing is greater than a preset value, the word is determined to be a keyword.

[0104] For example, a bidirectional recurrent LSTM neural network model can be used. The LSTM neural network model can overcome the problem of long sequence input and can better store historical information. Since each target word is associated with contextual information, the use of a bidirectional recurrent neural network can capture the context of the target word at the same time. The probability of the key words in each sentence of the instruction manual template is calculated by the LSTM neural network model, and the key words of the sentence are those whose probability is greater than the preset value. Specifically, each group of words in the input sentence can first be converted into a word vector using the word2vec model, and then the word vectors can be spliced ​​as the input of the LSTM neural network model, and the output of the double-layer LSTM neural network model is integrated, and finally the probability of the key words is output, and the key words of the sentence are judged by the preset probability value.

[0105] In operation S620, a second similarity between the keywords in the specification and the keywords in the specification template is calculated to verify the content of the fixed format part of the specification of the financial product.

[0106] In some embodiments, the second similarity is cosine similarity. For example, the keywords identified by the neural network model are first converted into corresponding vector forms, and the cosine distance between the keyword vectors of the instruction manual and the instruction manual template is calculated. The closer the cosine value is to 1, the more similar the vectors are; the closer the cosine value is to 0, the less similar the vectors are. The cosine similarity is used to verify whether the instruction manual and the instruction manual template match, thereby verifying the content of the fixed format part of the instruction manual of the financial product.

[0107] In some embodiments of the present disclosure, verification is performed according to a user-set instruction manual template (i.e., an instruction manual with fixed text and fixed format). The fixed format part of the instruction manual content is verified according to the instruction manual template. For example, a context verification can be performed using a neural network algorithm through the keywords set in the instruction manual template. First, the keywords of each sentence in the instruction manual and the instruction manual template are extracted through a neural network model, and the verification is performed by calculating the cosine similarity between the keywords.

[0108] In some embodiments of the present disclosure, the verification smart contract includes a set of product parameter verification rules, and the set of product parameter verification rules includes multiple product parameters of the financial product and multiple verification values, and the multiple parameters correspond to the multiple verification values ​​respectively.

[0109] For example, calling the verification smart contract to verify the instructions of the financial product includes: extracting multiple product parameters and multiple product parameter values ​​in the instructions; and comparing the multiple product parameter values ​​with the multiple verification values ​​respectively.

[0110] In some embodiments of the present disclosure, the verification smart contract includes a set of user-defined verification rules. In this embodiment, the blockchain-based file management method further includes: based on the product information included in the update request, the user defines a set of product parameters to be verified and the verification value of the product parameters.

[0111] For example, verification can be performed according to user-defined verification rules. For example, the user sets a rule: In the product with the product specification template "Structured Deposit (Individual)", the parameter "Customer Risk Level" must be PR1 and equal to the product risk rating. In this case, it is determined whether the product parameter "Customer Risk Level" is equal to PR1. If yes, this verification rule is verified; if not, this rule is not verified.

[0112] In some embodiments of the present disclosure, the verification smart contract includes a set of intelligently generated verification rules. That is, similar financial products can be determined based on the financial product to be verified, and parameter verification rules for the same type of products can be intelligently generated so that the system can perform a comprehensive verification of the instruction manual of the financial product.

[0113] Figure 8 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the steps of using intelligently generated verification rules to perform verification in the file management method. Figure 8 , the blockchain-based file management method may also include the following operations.

[0114] In operation S810, a similar financial product is determined based on the product information included in the update request, wherein the similar financial product has a prescribed first similarity with the financial product included in the update request.

[0115] In operation S820, the verification rules of the instructions of the similar financial products are extracted.

[0116] In operation S830, a verification rule for the specification of the financial product to be verified is generated according to the verification rule for the specification of the similar financial product.

[0117] For example, in operation S810, determining similar financial products based on the product information included in the update request may specifically include: searching for a set of similar financial products using a clustering algorithm based on the product parameters in the update request, wherein the set of similar financial products includes a plurality of preliminary similar financial products; calculating a third similarity between the product parameters of each preliminary similar financial product and the product parameters in the update request; and determining the preliminary similar financial products whose third similarity is within a specified range as similar financial products.

[0118] For another example, generating the verification rules for the instructions of the financial product to be verified based on the verification rules of the instructions of the similar financial products may specifically include: extracting the parameters and parameter values ​​included in the verification rules of the similar financial products; predicting the parameters and parameter values ​​of the financial product to be verified based on the extracted parameters and parameter values ​​of the similar financial products using a machine learning algorithm; and determining the predicted parameters and parameter values ​​as at least a part of the verification rules for the instructions of the financial product to be verified.

[0119] In some embodiments, reference Fig. 9 In the file management method according to the embodiment of the present disclosure, the verification using the intelligently generated verification rules can be performed according to the following steps or operations.

[0120] In operation S910, a parameter range for verification is determined according to the product parameters in the update request.

[0121] In operation S920, based on the product template, product name and product type parameters in the update request, a clustering algorithm is used to search for similar financial products and calculate the similarity between products. For example, similar product search can use a machine learning unsupervised algorithm (such as the K-means algorithm). The sample can be divided into K clusters according to the distance between the sample and the cluster center. The specific steps are as follows: (1) Sample data set: Collect feature information such as product name, product type parameters corresponding to the existing products, as well as the product template, product name, and product type information in the update request. (2) Sample division: Select the K value by cross-validation, initialize the centroid of the K value, calculate the distance between the sample and the centroid, output the cluster division of the sample, and the products in the same cluster are similar products. According to the sample division results of the K-Means algorithm, find similar financial products corresponding to the product parameters in the update request. For example, principal-guaranteed financial products can be classified into one category, and non-principal-guaranteed financial products can be classified into another category.

[0122] In operation S930, products with similarity within the specified range are confirmed as similar products, and verification parameters of similar financial products are searched. According to the clustering result of step S920, product parameters of similar products that are classified into the same cluster as the product name in the update request are searched as verification parameters, including but not limited to: product quota, risk level, fundraising period, etc. For example, the output value of the K-Means algorithm is: C = C{C1, C2, C3...}, where C1, C2 and C3 are similar financial products.

[0123] In step S940, the predicted value of the verification parameter is calculated using a machine learning algorithm, and the estimated range of the verification parameter is determined, and the verification rule is intelligently generated. According to the parameters of similar financial products determined in step S930, the parameter value of each parameter is predicted in a range.

[0124] For example, the prediction method may use a machine learning regression algorithm. Specifically, a linear regression function Y=ax may be used. 1 +bx 2 +b+e, where Y is the function of the independent variable x. 1 、x 2 For random changes, e is the error function, and a, b, etc. are constants. By inputting the independent variable x 1 、x 2 to predict the range of product parameter Y.

[0125] In the above prediction method, first, the training data of the model can be obtained. The product parameters and parameter values ​​of all similar financial products obtained in the clustering algorithm are used as the input x of the input regression function. 1 、x 2 For example, there are 2 products of the same type, and the amount of the product is expressed as x 1 、x 2 , as input. The boundary values ​​Y1 and Y2 are obtained through the regression algorithm, and the range of the product parameters is [Y1, Y2]. Then, the data can be predicted. The product type parameter X in the update request is predicted through the model, and the output value is the predicted value Y. Verification is performed through the predicted value Y and the interval value of the sample output. For example, for the yield parameter of the product parameter of the update request, the yield parameter values ​​of all principal-guaranteed financial products are used as the model input, and the predicted range of the product yield parameter of the update request is calculated to be 1.00%-2.00%. In this case, the intelligent rule that the product yield parameter in the update request needs to be verified is "the yield must be within the range of 1.00%-2.00%".

[0126] In some embodiments of the present disclosure, the verification smart contract includes verification rules extracted from financial regulatory documents. Regulatory agencies frequently issue documents, which makes the verification rules of financial product specifications frequently change and become increasingly strict. In order to make the verification compliance of financial product specifications more in line with regulatory requirements, the regulatory agency's policy documents on financial product specifications can be regularly crawled to extract relevant verification rules so as to comprehensively verify the text of the product specifications.

[0127] Fig.10 is a flowchart of a blockchain-based file management method according to some exemplary embodiments of the present disclosure, which schematically illustrates the steps of using verification rules extracted from financial regulatory files in the file management method for verification. Fig.10 , the blockchain-based file management method may also include the following operations.

[0128] In operation S1010, financial regulatory documents are acquired.

[0129] For example, the official website link, webpage structure, business type and keywords of the financial regulatory agency set by the user can be obtained. For example, the official website link can include the URL link of the official website of the China Banking and Insurance Regulatory Commission, the People's Bank of China, etc. In one possible case, the official website link can be customized by the user. The webpage structure includes the tags corresponding to the title and body of the webpage article. For example, all the articles on the webpage are stored in a ul tag with a class of xxx_list. Each il corresponds to an article. The title of the article is stored in the title attribute of the a tag under the il tag, and the body is stored in the div tag with an id of xxx_box.

[0130] In operation S1020, regulatory information related to the product information included in the update request is extracted from the financial regulatory file.

[0131] For example, the automatic crawling module can be called to periodically initiate crawling tasks to obtain articles on the official website of the regulatory agency with titles related to the business type. Specifically, a network request is initiated to obtain the webpage source code, construct the URL link of each page on the official website, obtain the list title of each page of the article, and determine if it matches the business type keyword and obtain the body paragraph content of the corresponding article.

[0132] In operation S1030, verification rules for the instructions of the financial product to be verified are generated according to the regulatory information.

[0133] In some embodiments, reference Fig.11 In the file management method according to an embodiment of the present disclosure, the above operation S1030 can be performed according to the following steps or operations.

[0134] In operation S1110, word segmentation is performed on the text corresponding to the supervision information to obtain a word sequence.

[0135] In operation S1120, the word sequence is converted into a word vector.

[0136] In operation S1130, the word vector is used as input and a convolutional neural network is used to calculate a fourth similarity between the supervision information and the product information of the verification rule.

[0137] In operation S1140, the supervision information having the fourth similarity within a specified range is screened out.

[0138] In operation S1150, the verification rule is updated using the filtered supervision information.

[0139] For example, the verification rules can be extracted by calculating the text similarity through convolutional neural networks. First, perform text vectorization. The text of the regulatory document and the manually marked rule template parameters are segmented to obtain word sequences, and the word sequences are converted into corresponding word vectors using the Word2vec model. Secondly, perform feature extraction. The matrix composed of the word vectors of the rule template parameters is used as the convolution kernel, and the text word vector matrix of the regulatory document is used as the input of the convolution layer. The convolution kernel is used to convolve with the text vector matrix of the regulatory document in the convolution layer to extract features. Finally, the feature vectors are spliced ​​through the fully connected layer, and the similarity between the text of the regulatory document and the template is output using the softmax function. The sentence with the greatest similarity can be extracted as the verification rule corresponding to the rule template.

[0140] For example, based on the regulatory document related to the structured deposit business extracted from the official website of the China Banking and Insurance Regulatory Commission in the previous step, "Notice of the General Office of the China Banking and Insurance Regulatory Commission on Further Standardizing the Structured Deposit Business of Commercial Banks", and the content extracted based on the keyword "sales document": "An investment cooling-off period of no less than 24 hours shall be agreed upon in the sales document, and the rights of investors during the investment cooling-off period shall be stated. During the investment cooling-off period, if the investor changes his decision, the commercial bank shall comply with the investor's wishes, terminate the signed sales document, and promptly return all investment funds of the investor. The investment cooling-off period shall commence after the sales document is signed and confirmed", the following verification rules for the cooling-off period parameters can be extracted: In the instructions for financial products related to the structured deposit business, the cooling-off period must be greater than 24 hours.

[0141] In some exemplary embodiments, the blockchain-based file management method 100 further includes: updating the instruction template. Fig.12 , the updating instruction template may include the following operations.

[0142] In operation S1210, a specification template update request is obtained.

[0143] In operation S1220, the specification template update request is verified to determine that the specification template update request is sent by an authorized financial institution. For example, a public-private key signature verification method may be used to verify the specification template update request.

[0144] In operation S1230, in response to the specification template update request, the specification template smart contract is called to update the specified specification template, and the update result is stored on the blockchain.

[0145] In some exemplary embodiments, the blockchain-based file management method 100 further includes: updating the user-defined verification rules. Fig.13, the updating of the user-defined verification rules may include the following operations.

[0146] In operation S1310, a verification rule update request is obtained.

[0147] For example, the verification rule update request may include a product template code, a product parameter code, a product parameter type, a constraint content, etc. Product parameter types include types such as character type, numeric type, range type, and text type. The constraint content includes a value range constraint of a product parameter and a product parameter association constraint. For example, a value range constraint of a character type parameter includes whether the parameter value is included in a set dictionary range. If a product belongs to a certain product template, the dictionary of the parameter must be a certain set dictionary value and other constraints. For example, a value range constraint of a numeric parameter includes constraints such as whether the parameter value is between a minimum value and a maximum value. For example, a range value constraint may include constraints such as the maximum value of the range must be greater than 0, cannot be greater than 9999999999999, and the maximum value must be greater than the minimum value. For example, a text value domain constraint may include constraints such as the parameter value contains a maximum of 60 characters, about 30 Chinese characters, etc. For example, a product parameter association constraint may include association constraint rules between parameters. For example, when the value of parameter A of a product is fixed to a set value, parameter B of the product can only take a certain specific value.

[0148] In operation S1320, the verification rule update request is verified to determine that the verification rule update request is sent by an authorized financial institution. For example, a verification method of public-private key signatures may be used to verify the verification rule update request.

[0149] In operation S1330, in response to the verification rule update request, the verification rule smart contract is called to update the specified user-defined verification rule, and the update result is stored on the blockchain.

[0150] Accordingly, the blockchain-based file management method 200 further includes: sending at least one of a specification template update request and a verification rule update request to the blockchain.

[0151] In an embodiment of the present disclosure, the verification smart contract includes at least one of the instruction template corresponding to the product information, the user-defined verification rule, the intelligently generated verification rule, and the verification rule extracted from the financial regulatory document. For example, the verification smart contract includes one, two, three or four of the instruction template corresponding to the product information, the user-defined verification rule, the intelligently generated verification rule, and the verification rule extracted from the financial regulatory document. For example, the verification smart contract includes the user-defined verification rule, the intelligently generated verification rule, and one of the verification rules extracted from the financial regulatory document and the instruction template corresponding to the product information, that is, the instruction is verified by verifying the instruction with the instruction template and verifying the instruction with one of the three verification rules. For another example, the verification smart contract includes the user-defined verification rule, the intelligently generated verification rule, and three of the verification rules extracted from the financial regulatory document and the instruction template corresponding to the product information, that is, the instruction is verified by verifying the instruction with the instruction template and verifying the instruction with three verification rules.

[0152] The following is a specific example to exemplarily describe the blockchain-based file management method according to an embodiment of the present disclosure.

[0153] In an embodiment of the present disclosure, a user may create a new product AXBBL01 through a product management system, input parameter settings, and generate a product specification.

[0154] First, an update request may be obtained. For example, the update request includes information such as product code, parameter code and parameter value, product template, product specification template code, product specification, modification timestamp, etc. For example, Table 1 exemplarily shows product parameter information included in the update request, and Table 2 exemplarily shows part of the specification of the financial product included in the update request.

[0155] Table 1 Product parameter information included in the update request

[0156]

[0157]

[0158] Table 2 Product data sheet information included in the update request

[0159]

[0160] Then, in response to the update request, the product information of the financial product is queried to determine the update type, wherein the update type includes new creation and modification. For example, in this exemplary embodiment, in response to the update request, the query module can be called to query the product information according to the product code (AXBBL01) to determine the update type. For example, if the query result is no data, the output update type is "new product".

[0161] Then, according to the update request, the verification smart contract is called to verify the instructions of the financial product. For example, according to the above update request, specifically, the required verification rules are called according to the product instruction template, update parameters, product template and other information in the update request. For example, based on the product template "Structured Deposit (Individual)" in the update request as an index, the product instruction template and verification rules corresponding to the product template information are queried. For example, Table 3 exemplifies the instruction template required for verification, and Table 4 exemplifies the verification rules required for verification.

[0162] Table 3 Instruction template required for verification

[0163]

[0164] Table 4 Verification rules required for verification

[0165]

[0166] In this exemplary embodiment, the verification may be performed as follows.

[0167] In the first operation, the fixed format portion of the instruction manual content is verified according to the instruction manual template.

[0168] In the second operation, the parameters in the specification within the scope of this verification are verified according to the verification rules. For example, during the verification process, the "Product Risk Rating: PR2" in the specification to be verified is identified, which does not meet the rule of the specification template of the structured deposit (personal) product that the customer risk level must be PR1 and equal to the product risk rating. Therefore, the verification rules and verification results are recorded and sent to the manual secondary verification link. If it meets the requirements, the verification of the next step is continued. For another example, according to the intelligently generated verification rule "The yield must be within the range of 1.00%-2.00%, it is judged whether the yield of the product is within the range of the rule. If it is within the range of the rule, the verification is recorded as passed and the verification of the next step is continued; if the yield exceeds 2.00%, this verification rule and verification results are recorded and sent to the manual secondary verification link. For another example, according to the verification rules extracted from the financial regulatory documents, the parameters in the specification within the scope of this verification are verified. For example, according to the verification rule "The cooling-off period must be greater than 24 hours" extracted from the financial regulatory documents about the cooling-off period parameters, it is judged whether the cooling-off period parameters in the specification meet the rules. If satisfied, record the verification as passed and proceed to the next step of verification; if not satisfied, record this verification rule and verification result and send it to the manual secondary verification link.

[0169] In the third operation, if the fixed text and parameters of the manual meet the verification rules during the verification process, the update module is called to update the parameters and manual of the specified product, and the update results are added to the blockchain. If one of them fails the verification, the verification rules and the result of the failed verification are returned to the manual secondary verification module. Users with the audit role log in to the blockchain network to conduct a secondary review of the data that failed the verification. Then, the blockchain network obtains the audit results of the manual secondary review. If the secondary review passes, the update module is called to update the parameters and manual of the specified product, and the update results are added to the blockchain. If the review fails, the reason for the failed review and the review result are returned to the product management system.

[0170] Some exemplary embodiments of the present disclosure also provide a file management device based on blockchain. Fig.14 The blockchain-based file management device is described in detail. Fig.14 The following schematically shows a block diagram of a file management device based on blockchain according to an embodiment of the present disclosure. Fig.14 As shown, the blockchain-based file management device 300 may include an update request acquisition module 1410, an update type determination module 1420, a verification module 1430 and a file update module 1440.

[0171] The update request acquisition module 1410 is used to acquire an update request, wherein the update request includes product information of the financial product and the update content of the specification.

[0172] The update type determination module 1420 is used to: respond to the update request, query the product information of the financial product to determine the update type, wherein the update type includes new creation and modification.

[0173] The verification module 1430 is used to call the verification smart contract according to the update request to verify the instructions of the financial product.

[0174] In some exemplary embodiments, the blockchain-based file management device 300 may further include a rule acquisition module 1450 and a manual secondary verification module 1460 .

[0175] For example, the rule acquisition module 1450 may include an internal rule acquisition module and an external rule acquisition module.

[0176] The internal rule acquisition module can be used to obtain the product manual template and the verification rules set by the user, including the manual template acquisition module, the user-defined verification rule acquisition module and the intelligently generated verification rule acquisition module. The manual template acquisition module is used to obtain the same text content in the manual template. The user-defined verification rule acquisition module is used to obtain the user-defined verification rules. The intelligently generated verification rule acquisition module is used to obtain the verification rules intelligently generated by the system based on the parameters of the same type of products. The external rule acquisition module can be used to obtain the verification rules extracted for the latest regulatory policy documents. For example, the external rule acquisition module may include an official website setting module, an automatic crawling module, and a rule extraction module. The official website setting module can be used for users to set the URL and web page structure for crawling regulatory policy documents. The automatic crawling module can be used to perform crawling tasks according to the URL and web page structure set by the user to obtain regulatory documents. The rule extraction module can be used to extract relevant verification rules from regulatory documents.

[0177] Accordingly, the verification module 1430 may include a specification template verification module 1431 , a user-defined rule verification module 1432 , an intelligent rule verification module 1433 and a supervision rule verification module 1434 .

[0178] For example, the specification template verification module 1431 may be used to verify the fixed format portion of the specification content according to the specification template.

[0179] The user-defined rule verification module 1432 can be used to verify the content of the instruction manual according to a set of user-defined product parameter verification rules.

[0180] The intelligent rule verification module 1433 can be used to verify the content of the instruction manual according to a set of product parameter verification rules intelligently generated by the system.

[0181] The supervision rule verification module 1434 can be used to verify the fixed text and parameter values ​​according to the supervision verification rules obtained by the external rule acquisition module.

[0182] For another example, the manual secondary verification module 1460 can be used to receive data that failed verification from the verification module 1430 and perform manual secondary review, and perform secondary judgment by manually reviewing the reasons for the failure of the verification.

[0183] The file update module 1440 is used to: when the verification passes, update the specification of the financial product according to the update type, the product information of the financial product and the updated content of the specification, and store the update result on the blockchain.

[0184] Optionally, the file management device may further include an authority verification module for verifying the authority of the sender of the request to update the product specification, product specification template, or verification rule update.

[0185] Optionally, the file management device may further include a first processing module, configured to: after receiving the update request, call the smart contract and generate a product manual according to a manual template.

[0186] Optionally, the file management device may further include: a manual template update module, used to receive and update the manual template set by the platform; a verification rule update module, used to receive and update the verification rules set by the platform; a failure information recording unit, used to: record the manual update result as failure when the manual verification fails, and add the update result to the blockchain; an update result feedback unit, used to feed back the manual update result to the product management system; and an update detail query unit, used for authorized users to query all update submitters and update details of the manual.

[0187] According to an embodiment of the present disclosure, any multiple modules and units in the above-mentioned file management device can be combined into one module, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the modules and units in the above-mentioned file management device can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in an appropriate combination of any of them. Alternatively, at least one of the modules and units in the above-mentioned file management device can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0188] In the blockchain-based file management method and file management device according to the embodiments of the present disclosure, after the financial product is released, the product parameters and instructions of the financial product are uploaded to the blockchain together, and by calling the smart contract, the instructions and product parameters are verified. The instructions can be verified according to at least one of the instruction template, user-defined verification rules, intelligently generated verification rules, and verification rules extracted from the latest regulatory documents, and the detailed data and verification results are stored on the blockchain. In the process of customers purchasing the financial product through different channel devices, the latest instructions can be read in real time. Therefore, the blockchain-based file management method and file management device according to the embodiments of the present disclosure can ensure the real-time update of the instruction information of the financial product, and improve the accuracy and reliability of the storage and update of the instructions of the financial product.

[0189] Fig.15 A block diagram of an electronic device suitable for implementing the above-mentioned blockchain-based file management method according to an embodiment of the present disclosure is schematically shown.

[0190] like Fig.15As shown, the electronic device 1500 according to an embodiment of the present disclosure includes a processor 1501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1502 or a program loaded from a storage part 1508 into a random access memory (RAM) 1503. The processor 1501 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1501 may also include an onboard memory for caching purposes. The processor 1501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0191] In RAM 1503, various programs and data required for the operation of electronic device 1500 are stored. Processor 1501, ROM 1502 and RAM 1503 are connected to each other via bus 1504. Processor 1501 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 1502 and / or RAM 1503. It should be noted that the program can also be stored in one or more memories other than ROM 1502 and RAM 1503. Processor 1501 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0192] According to an embodiment of the present disclosure, the electronic device 1500 may further include an input / output (I / O) interface 1505, which is also connected to the bus 1504. The electronic device 1500 may further include one or more of the following components connected to the I / O interface 1505: an input portion 1506 including a keyboard, a mouse, etc.; an output portion 1507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 1508 including a hard disk, etc.; and a communication portion 1509 including a network interface card such as a LAN card, a modem, etc. The communication portion 1509 performs communication processing via a network such as the Internet. A drive 1510 is also connected to the I / O interface 1505 as needed. A removable medium 1511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1510 as needed, so that a computer program read therefrom is installed into the storage portion 1508 as needed.

[0193] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0194] According to an embodiment of the present disclosure, a computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus, or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 1502 and / or RAM 1503 described above and / or one or more memories other than ROM 1502 and RAM 1503.

[0195] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the item recommendation method provided by the embodiment of the present disclosure.

[0196] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 1501. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0197] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 1509, and / or installed from the removable medium 1511. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0198] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1509, and / or installed from the removable medium 1511. When the computer program is executed by the processor 1501, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0199] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0200] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0201] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0202] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A file management method based on blockchain, applied to a blockchain network node, wherein the file includes a financial product specification, characterized in that: The blockchain-based file management method comprises the following steps: Obtaining an update request, wherein the update request includes product information of the financial product and updated content of the instruction manual; In response to the update request, query product information of the financial product to determine an update type, wherein the update type includes creation and modification; According to the update request, a verification smart contract is called to verify the specification of the financial product, wherein the verification smart contract at least includes a verification rule for verifying the specification of the financial product, The verification smart contract includes at least one of a specification template corresponding to the product information, a user-defined verification rule, an intelligently generated verification rule, and a verification rule extracted from a financial regulatory document. The verification smart contract includes a set of intelligently generated verification rules. The blockchain-based file management method further includes: Determining a similar financial product according to the product information included in the update request, wherein the similar financial product has a specified first similarity with the financial product included in the update request; Verification rules for extracting the instructions of the similar financial products; and Generating verification rules for the instructions of the financial product to be verified according to the verification rules for the instructions of the similar financial product; and When the verification passes, the instruction manual of the financial product is updated according to the update type, the product information of the financial product and the updated content of the instruction manual, and the update result is stored on the blockchain.

2. The blockchain-based file management method according to claim 1, characterized in that: The verification smart contract includes a specification template corresponding to the product information, The calling of the verification smart contract to verify the instruction manual of the financial product includes: verifying the content of the fixed format portion of the instruction manual of the financial product according to the instruction manual template.

3. The blockchain-based file management method according to any one of claims 1-2, characterized in that: The verification smart contract includes a set of product parameter verification rules, and the set of product parameter verification rules includes multiple product parameters and multiple verification values ​​of the financial product, and the multiple parameters correspond to the multiple verification values ​​respectively.

4. The blockchain-based file management method according to claim 3 is characterized in that: The calling of the verification smart contract to verify the specification of the financial product includes: Extracting a plurality of product parameters and a plurality of product parameter values ​​from the specification; and The multiple product parameter values ​​are compared with the multiple verification values ​​respectively.

5. The blockchain-based file management method according to claim 1, characterized in that: The verification smart contract includes a set of user-defined verification rules. The blockchain-based file management method also includes: based on the product information included in the update request, the user customizes a set of product parameters to be verified and the verification values ​​of the product parameters.

6. The blockchain-based file management method according to claim 1, characterized in that: The verification smart contract includes verification rules extracted from financial regulatory documents. The blockchain-based file management method further includes: Access to financial regulatory documents; extracting regulatory information related to the product information included in the update request from the financial regulatory file; and Based on the regulatory information, verification rules for the instructions of the financial product to be verified are generated.

7. The blockchain-based file management method according to claim 1, characterized in that: The update request includes a product code, a parameter code, a parameter value, a specification template code, updated content of the specification and a timestamp.

8. The blockchain-based file management method according to claim 1, characterized in that: The blockchain responds to the update request and queries the product information of the financial product to determine the update type, including: When the product information included in the update request is queried in the blockchain, determining that the update type is to modify the instructions of the financial product; and When the product information included in the update request is not found in the blockchain, it is determined that the update type is a specification of a newly created financial product.

9. The blockchain-based file management method according to claim 2, characterized in that: The checking of the content of the fixed format part of the instruction manual of the financial product according to the instruction manual template includes: Extracting keywords of the corresponding parts in the specification and the specification template respectively through a neural network model; and A second similarity between the keywords in the specification and the keywords in the specification template is calculated to verify the content of the fixed format part of the specification of the financial product.

10. The blockchain-based file management method according to claim 9, characterized in that: The extracting of keywords of the corresponding parts of the specification and the specification template by the neural network model includes: extracting a plurality of sentences from the fixed format portion of the instruction manual of the financial product and the instruction manual template respectively; Input the extracted multiple sentences into the bidirectional recurrent neural network model; The bidirectional recurrent neural network model outputs the probability of occurrence of a word; and When the probability of a word appearing is greater than a preset value, the word is determined to be a keyword.

11. The blockchain-based file management method according to claim 9 or 10, characterized in that: The second similarity is cosine similarity.

12. The blockchain-based file management method according to claim 2, characterized in that: The blockchain-based file management method also includes: updating the instruction manual template.

13. The blockchain-based file management method according to claim 12, characterized in that: The update specification template includes: Get the instruction manual template update request; Verifying the instruction template update request to determine that the instruction template update request is sent by an authorized financial institution; and In response to the instruction template update request, the instruction template smart contract is called to update the specified instruction template, and the update result is stored on the blockchain.

14. The blockchain-based file management method according to claim 5, characterized in that: The blockchain-based file management method also includes: updating user-defined verification rules.

15. The blockchain-based file management method according to claim 14, characterized in that: The updating of the user-defined verification rules includes: Get verification rule update request; Verifying the verification rule update request to determine that the verification rule update request is sent by an authorized financial institution; and In response to the verification rule update request, the verification rule smart contract is called to update the specified user-defined verification rule, and the update result is stored on the blockchain.

16. The blockchain-based file management method according to claim 1, characterized in that: The determining of similar financial products according to the product information included in the update request includes: Searching for a set of similar financial products using a clustering algorithm according to the product parameters in the update request, wherein the set of similar financial products includes a plurality of preliminary similar financial products; Calculating a third similarity between the product parameters of each preliminary similar financial product and the product parameters in the update request; and Preliminary similar financial products whose third similarity is within the prescribed range are determined as similar financial products.

17. The blockchain-based file management method according to claim 16, characterized in that: The step of generating the verification rule of the instruction manual of the financial product to be verified according to the verification rule of the instruction manual of the similar financial product includes: Extracting parameters and parameter values ​​included in the verification rules of the similar financial products; Based on the extracted parameters and parameter values ​​of similar financial products, using machine learning algorithms to predict the parameters and parameter values ​​of the financial product to be verified; and The predicted parameters and parameter values ​​are determined as at least a part of the verification rules of the specification of the financial product to be verified.

18. The blockchain-based file management method according to claim 6, characterized in that: The verification rules for generating the instructions of the financial product to be verified according to the regulatory information include: Performing word segmentation processing on the text corresponding to the regulatory information to obtain a word sequence; Convert the word sequence into a word vector; Using the word vector as input, and using a convolutional neural network, calculating a fourth similarity between the regulatory information and the product information of the verification rule; Screening out the regulatory information whose fourth similarity is within a specified range; and The verification rules are updated using the filtered regulatory information.

19. The blockchain-based file management method according to claim 1, characterized in that: The blockchain-based file management method also includes: verifying the update request to determine that the update request is sent by an authorized financial institution.

20. The blockchain-based file management method according to claim 1, characterized in that: The blockchain-based file management method further includes: when the verification fails, feeding back the reason why the verification fails.

21. The blockchain-based file management method according to claim 1, characterized in that: The blockchain-based file management method also includes: when the verification fails, transferring the update request to a secondary verification link, wherein the secondary verification link is a manual review link.

22. The blockchain-based file management method according to claim 21, characterized in that: The blockchain-based file management method also includes: when the secondary verification link is passed, calling the smart contract to update the instructions of the financial product, and storing the update result on the blockchain.

23. A file management method based on blockchain, applied to a financial institution node, wherein the file includes a financial product specification, characterized in that: The blockchain-based file management method comprises the following steps: Sending an update request to the blockchain, wherein the update request includes product information of the financial product and updated content of the specification; and When the content of the update request is verified, an update result is received, wherein the update result is used to indicate that the specification of the financial product is successfully updated. The blockchain network node calls the verification smart contract according to the update request to verify the instructions of the financial product, wherein the verification smart contract at least includes a verification rule for verifying the instructions of the financial product. The verification smart contract includes at least one of a specification template corresponding to the product information, a user-defined verification rule, an intelligently generated verification rule, and a verification rule extracted from a financial regulatory document. The verification smart contract includes a set of intelligently generated verification rules. The blockchain network node calls the verification smart contract according to the update request to verify the specification of the financial product, and further includes: Determining a similar financial product according to the product information included in the update request, wherein the similar financial product has a specified first similarity with the financial product included in the update request; Verification rules for extracting the instructions of the similar financial products; and The verification rules of the instructions of the financial product to be verified are generated according to the verification rules of the instructions of the similar financial products.

24. The blockchain-based file management method according to claim 23, characterized in that: The blockchain-based file management method further includes: At least one of a specification template update request and a verification rule update request is sent to the blockchain.

25. A file management device based on blockchain, applied to a blockchain network node, wherein the file includes a specification of a financial product, characterized in that: The blockchain-based file management device includes: An update request acquisition module, wherein the update request includes product information of the financial product and update content of the specification; An update type determination module, configured to: respond to the update request, query the product information of the financial product to determine an update type, wherein the update type includes creation and modification; A verification module is used to: call a verification smart contract according to the update request to verify the specification of the financial product, The verification smart contract includes at least one of a specification template corresponding to the product information, a user-defined verification rule, an intelligently generated verification rule, and a verification rule extracted from a financial regulatory document. The verification smart contract includes a set of intelligently generated verification rules. The verification module is also used for: Determining a similar financial product according to the product information included in the update request, wherein the similar financial product has a specified first similarity with the financial product included in the update request; Verification rules for extracting the instructions of the similar financial products; and Generating verification rules for the instructions of the financial product to be verified according to the verification rules for the instructions of the similar financial product; and The file update module is used to: when the verification passes, update the specification of the financial product according to the update type, the product information of the financial product and the updated content of the specification, and store the update result on the blockchain.

26. An electronic device comprising: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors execute the blockchain-based file management method according to any one of claims 1 to 24.

27. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the blockchain-based file management method according to any one of claims 1 to 24.

Images