Asset query method and device based on blockchain

Abstract

The present disclosure provides an asset query method based on blockchain, which can be applied to the blockchain and financial fields or other technical fields. The asset query method based on blockchain includes: establishing a blockchain including at least two nodes, wherein the node includes a main node and at least one sub-node, and each sub-node corresponds to a financial institution; collecting user asset data files of the corresponding financial institution through each sub-node; signing the user asset data file through each sub-node, and sending the file containing the signatures of all sub-nodes to the main node to obtain the user's total asset data. The present disclosure also provides an asset query device, equipment, storage medium and program product based on blockchain. Users can query their total assets with one click through the method and device of the present disclosure, which greatly facilitates the user's management of personal assets.

Description

Technical Field

[0001] The present disclosure relates to the fields of blockchain and finance, and specifically to a blockchain-based asset query method, device, equipment, medium and program product. Background Art

[0002] With the development of the economy and society, the types and number of financial institutions such as banks and third-party financial management companies and third-party payment institutions are increasing. Users have more and more choices in disposing of personal assets. Diverse asset management channels have stimulated economic circulation, improved economic vitality, provided a reasonable competitive environment, and promoted the healthy development of the economy and society.

[0003] On the other hand, the numerous institutions have also led to an increasingly complex asset structure for users, and their assets have become increasingly dispersed. Although each institution provides users with services such as total assets, total liabilities, monthly bills, and annual bill inquiries based on the data in its own system, the data between institutions is not shared with each other. Currently, there is no unified platform that allows customers to see the overall view of their personal assets, which to a certain extent increases the difficulty for users to manage their personal assets. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a blockchain-based asset query method, device, equipment, medium and program product that improves the convenience of user asset query, which is used to at least partially solve the above technical problems.

[0005] According to the first aspect of the present disclosure, there is provided a blockchain-based asset query method, comprising: establishing a blockchain comprising at least two nodes, wherein the nodes comprise a main node and at least one sub-node, each sub-node corresponding to a financial institution; collecting user asset data files of the corresponding financial institution through each sub-node; signing the user asset data files through each sub-node, sending the file containing the signatures of all sub-nodes to the main node, and obtaining the user's total asset data.

[0006] According to an embodiment of the present disclosure, establishing a blockchain including at least two nodes includes: establishing a node including a storage unit; storing user registration information in the storage unit of the master node; and establishing a mapping relationship between the user registration information and the user's ID in each financial institution.

[0007] According to an embodiment of the present disclosure, the user asset data file is signed by each sub-node, and the file containing the signatures of all sub-nodes is sent to the main node, and the user's total asset data is obtained, including: issuing a digital certificate to each sub-node through the main node; each financial institution sends a file containing the user asset data to the corresponding sub-node; each sub-node uses the digital certificate to sign each file; and sending the file containing the signatures of all sub-nodes to the main node.

[0008] According to an embodiment of the present disclosure, the files include: a bill file and an asset-liability file; user transaction data is collected through the bill file, and user asset and liability data is collected through the asset-liability file, and the user transaction data and user asset and liability data together constitute user asset data or user total asset data.

[0009] According to an embodiment of the present disclosure, the bill file and the asset-liability file include: a message header and a message body; the file is signed through the message header, and the user transaction data or the user asset and liability data is recorded through the message body.

[0010] According to an embodiment of the present disclosure, signing a user asset data file through each sub-node includes: sorting and numbering each sub-node to obtain a first sub-node and a second sub-node that are adjacent to each other; signing the file continuously in sequence through each sorted sub-node, wherein, based on the signature file of the first sub-node, the user asset data in the second sub-node is supplemented and signed; and the user asset data in other sub-nodes are supplemented and signed in sequence until the file contains the signatures of all sub-nodes.

[0011] According to an embodiment of the present disclosure, the blockchain-based asset query method also includes: each sub-node sends the user asset data file of the sub-node to any other sub-node for backup.

[0012] According to an embodiment of the present disclosure, if the third sub-node is abnormal, other sub-nodes that have backed up the files of the third sub-node supplement the user asset data of the third sub-node in the continuously signed files and sign them.

[0013] According to an embodiment of the present disclosure, establishing a blockchain including at least two nodes also includes: establishing a node including an executable program container; publishing a program update package to each sub-node through a master node; storing program modules embedded in each financial institution APP in the executable program container, and updating the program modules in each sub-node using the program update package; and querying the user's total asset data through the updated program module based on the mapping relationship.

[0014] According to an embodiment of the present disclosure, financial institutions include banks and third-party quick payment institutions. Collecting user asset data files of corresponding financial institutions through each sub-node includes: eliminating transfer data of the same user ID between various financial institutions; eliminating bank card transaction data in third-party quick payment institutions.

[0015] According to an embodiment of the present disclosure, the sub-node is isolated from the intranet of the financial institution.

[0016] According to an embodiment of the present disclosure, the blockchain-based asset query method also includes: publishing the user's total asset data to each branch node through the master node.

[0017] According to an embodiment of the present disclosure, the blockchain-based asset query method also includes: through the target user's credit, allowing other users to query the target user's total asset data.

[0018] The second aspect of the present disclosure provides an asset query device based on blockchain, including: a building module, used to establish a blockchain including at least two nodes, wherein the nodes include a main node and at least one sub-node, and each sub-node corresponds to a financial institution; a collection module, used to collect user asset data files of each financial institution through each sub-node; an acquisition module, used to sign the user asset data file through each sub-node, and send the file containing the signatures of all sub-nodes to the main node to obtain the user's total asset data.

[0019] According to an embodiment of the present disclosure, the building module includes: a first building unit, used to build a node including a storage unit; the storage unit is used to store user registration information in the storage unit of the master node; and a second building unit is used to establish a mapping relationship between the user registration information and the user's ID in each financial institution.

[0020] According to an embodiment of the present disclosure, the acquisition module includes: a publishing unit, which is used to publish digital certificates to each branch node through the main node; a collection unit, which is used to enable each financial institution to send a file containing user asset data to the corresponding branch node; a signature unit, which is used to enable each branch node to sign each file using a digital certificate; and a summary unit, which is used to send a file containing signatures of all branch nodes to the main node.

[0021] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory 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 asset query method of any of the above-mentioned embodiments.

[0022] The fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the asset query method of any of the above-mentioned embodiments.

[0023] The fifth aspect of the present disclosure also provides a computer program product, including a computer program, which implements the asset query method of any of the above embodiments when executed by a processor. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] 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:

[0025] Figure 1The application scenario diagram of the asset query method based on blockchain according to an embodiment of the present disclosure is schematically shown;

[0026] Figure 2 The flowchart of the asset query method based on blockchain according to an embodiment of the present disclosure is schematically shown;

[0027] Figure 3 The flowchart of the blockchain establishment method according to the embodiment of the present disclosure is schematically shown;

[0028] Figure 4 A schematic diagram of a node network structure according to an embodiment of the present disclosure is shown;

[0029] Figure 5 A diagram schematically shows a total asset query result according to an embodiment of the present disclosure;

[0030] Figure 6 The flowchart of the method for signing user asset data according to an embodiment of the present disclosure is schematically shown;

[0031] Figure 7 The file data structure diagram according to the embodiment of the present disclosure is schematically shown;

[0032] Figure 8 The structure block diagram of the asset query device based on blockchain according to an embodiment of the present disclosure is schematically shown;

[0033] Fig. 9 The schematic diagram shows a structural block diagram of a building module according to an embodiment of the present disclosure;

[0034] Fig.10 A schematic diagram of the structure of an acquisition module according to an embodiment of the present disclosure is shown; and

[0035] Fig.11 A block diagram of an electronic device suitable for implementing a blockchain-based asset query method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0036] 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.

[0037] 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.

[0038] 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.

[0039] 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.).

[0040] The embodiments of the present disclosure provide a blockchain-based asset query method, device, equipment, medium and program product, which can be used in the financial field or other fields. It should be noted that the blockchain-based asset query method, device, equipment, medium and program product disclosed in the present disclosure can be used in the financial field, and can also be used in any field other than the financial field. The application field of the blockchain-based asset query method, device, equipment, medium and program product disclosed in the present disclosure is not limited.

[0041] In the technical solution disclosed in the present invention, the acquisition, storage and application of user personal information involved are in compliance with the provisions of relevant laws and regulations, necessary confidentiality measures are taken, and do not violate public order and good morals.

[0042] Figure 1 The application scenario diagram of the blockchain-based asset query method according to an embodiment of the present disclosure is schematically shown.

[0043] like Figure 1 As shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0044] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0045] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0046] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0047] It should be noted that the asset query method based on blockchain provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the asset query device based on blockchain provided in the embodiment of the present disclosure can generally be set in the server 105. The asset query method based on blockchain provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Accordingly, the asset query device based on blockchain provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105.

[0048] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0049] The following will be based on Figure 1 The scene described by Figure 2 to Figure 6 The blockchain-based asset query method of the disclosed embodiment is described in detail.

[0050] Figure 2 The flowchart of the asset query method based on blockchain according to an embodiment of the present disclosure is schematically shown.

[0051] like Figure 2 As shown, an embodiment of the present disclosure provides an asset query method based on blockchain, for example, including:

[0052] S210, establishing a blockchain including at least two nodes, wherein the nodes include a main node and at least one sub-node, and each sub-node corresponds to a financial institution.

[0053] S220, collecting user asset data files of each financial institution through each sub-node.

[0054] S230, the user asset data file is signed by each sub-node, and the file containing the signatures of all sub-nodes is sent to the main node to obtain the user's total asset data.

[0055] According to the embodiments of the present disclosure, by establishing a blockchain including multiple nodes and corresponding each financial institution to a node, the asset data of users scattered in various financial institutions can be aggregated into a main node, so that users can query their total asset data with one click, which is convenient for customers to understand their personal financial status in a timely manner and greatly facilitates users to manage their personal assets.

[0056] Figure 3 The flowchart of the blockchain establishment method according to an embodiment of the present disclosure is schematically shown.

[0057] According to the embodiments of the present disclosure, Figure 3 As shown, for example, a blockchain including at least two nodes is established through operations S2101 to S2103.

[0058] S2101, establish a node including a storage unit.

[0059] Figure 4 A node network structure diagram according to an embodiment of the present disclosure is schematically shown.

[0060] According to the embodiments of the present disclosure, a user may register information in multiple financial institutions to obtain corresponding services, for example, having at least one bank card in multiple banks and having accounts registered in multiple third-party payment institutions. Then, multiple nodes including storage units may be established, where Figure 4 As shown, the nodes include, for example, a main node and a sub-node. Each sub-node corresponds to a financial institution, for example, each sub-node corresponds to a bank or a third-party payment institution. Each sub-node is isolated from the intranet of each institution, and even if an institution is shut down for upgrading, it does not affect the operation of the system. The intranet of each institution can, for example, communicate with each corresponding sub-node through a front-end server, and transmit data or files in the intranet to each sub-node in the external network.

[0061] S2102, store the user registration information in the storage unit of the master node.

[0062] Figure 5The figure schematically shows the total asset query result according to an embodiment of the present disclosure.

[0063] According to the embodiments of the present disclosure, for example, a "My Finance" applet can be developed and embedded in the APPs of all financial institutions participating in the blockchain-based asset query project, and the applet with the same UI can be seen on each APP. Figure 5 As shown, the mini program can, for example, provide functions for querying the total assets and liabilities of customers as of the previous day, querying the total monthly expenses of customers, and functions such as asset change curves and monthly expense curves. The user's income items include, for example, wages, investment income, and transfers from others. Since there are many types of investment income that are difficult to model and count, this system can, for example, count the customer's expenses, and income can be reflected by changes in total assets.

[0064] According to an embodiment of the present disclosure, each node, for example, includes a container of an executable program, and the master node can publish a program update package to each sub-node, which can be used to, for example, synchronously update the embedded "My Finance" applet in each financial institution APP, so that users can enjoy the same asset query service regardless of which financial institution they register their user information in. At the same time, it also ensures the consistency of the user's total asset data obtained by each financial institution, that is, after updating the "My Finance" applet with the program update package, users can query accurate user total asset data by registering a unified system account on any financial institution APP participating in this project.

[0065] Specifically, users can register an account through the applet to obtain the above-mentioned query service. The user's registration information can also be stored in the storage unit of the master node and can be stored inside each financial institution for the system to identify the user. Users can use identity documents such as ID cards, passports, military officer certificates, and driver's licenses to register with real names in the APP applet of any financial institution participating in this project. If a spouse or other family members have also registered for this system, and a mutual trust relationship between family members has been established through authorization such as "face recognition", the assets and expenses of the spouse and others can be queried, which can be used to merge family assets and expenses. The realization of mutual trust between family members, for example, can provide a credit function in the entry applet, one party applies, and the other party confirms and authenticates through face recognition. The system records the credit relationship and can query the other party's financial data. Specifically, through applet such as "My Finance", users can query their personal total asset data on the APP of various financial institutions or on various instant messaging tools participating in this project, which is simple, convenient and fast. Furthermore, through mutual credit between family members, it is easy to understand the financial status of the entire family and facilitate the management of the family's total assets.

[0066] S2103, establishing a mapping relationship between the user registration information and the user's ID in each financial institution.

[0067] According to the embodiments of the present disclosure, since a user has the same or different user IDs in different financial institutions, a new billing system ID can be created in the present system using, for example, a user ID number. Thus, the user ID stored in each financial institution can be mapped to the user ID in the present billing system, and a mapping relationship between the two can be established. This facilitates the collection of user asset data in various financial institutions into the present system, and a one-time unified query can be performed using a unified account of the present system, i.e., the user ID in the present billing system.

[0068] Figure 6 The flowchart of the method for signing user asset data according to an embodiment of the present disclosure is schematically shown.

[0069] According to the embodiments of the present disclosure, Figure 6 As shown, for example, the user asset data file is signed through operations S2301 to S2304.

[0070] S2301, issue digital certificates to each sub-node through the master node.

[0071] According to an embodiment of the present disclosure, the master node can issue a digital certificate to each sub-node. The digital certificate is used by each sub-node to sign the transmitted file to prove the source of the relevant asset data and mark the data file to ensure that the asset data is not omitted or repeated.

[0072] S2302, each financial institution sends a file containing user asset data to the corresponding sub-node.

[0073] Figure 7 The file data structure diagram according to an embodiment of the present disclosure is schematically shown.

[0074] According to the embodiments of the present disclosure, for example, at an agreed time every evening (e.g., 22:00), each financial institution obtains the daily asset and liability data and account expenditure data of the registered users in their respective institutions, generates a file, and transmits the file to the corresponding blockchain subnode of the institution. Figure 7As shown, the contents of the file include, for example: a bill file and an asset and liability file. Among them, the bill file and the asset and liability file are filled in, for example, in the format of a message header and a message body. User transaction data can be collected through the bill file, and user asset and liability data can be collected through the asset and liability file. The user transaction data and the user asset and liability data together constitute the user asset data or the user total asset data. The file can be signed through the message header, and the user transaction data or the user asset and liability data can be recorded through the message body. The unified file format facilitates information exchange between different financial institutions and improves the efficiency of information processing between different financial institutions. In order to improve the security of data, each financial institution can also encrypt the generated file, obtain an encrypted file, and then sign the encrypted file.

[0075] According to the embodiments of the present disclosure, users often transfer money between multiple bank cards under the same user name and between multiple bank cards and multiple third-party payment institutions according to their daily needs. However, this transfer behavior does not change the user's expenditure and income, that is, the total amount of the user's assets has not changed, but transactions have indeed occurred between various financial institutions. Therefore, when counting the user's total asset data, it is necessary to exclude special data that has no substantial impact on the user's income and expenditure. For example, the transfer records of the same user in the system are eliminated from the data uploaded by each financial institution. The cross-institutional personal transfer filtering method includes, for example: when each sub-node updates the daily bill data, if it is found that the transaction type is "transfer", and the debit and credit directions are equal in amount, and the customer ID is consistent, the statistical transfer record data is eliminated. In addition, the third-party quick payment institution does not summarize the bank card occurrence details, but only summarizes the occurrence details of the user's account in the institution, avoids duplicate records, and improves the accuracy of the user's total asset data.

[0076] S2303, each sub-node signs each file using a digital certificate.

[0077] According to the embodiments of the present disclosure, for example, each subnode is first sorted, and the serial numbers are from 1 to N. The orderly transmission method of the file can be, for example: after subnode 1 processes the signature, it transmits the data file of the user of the financial institution corresponding to the subnode to subnode 2. On this basis, subnode 2 supplements the data information of the user of the financial institution corresponding to subnode 2 and updates the asset summary information currently obtained by the user. After subnode 2 signs, it continues to pass it to subnode 3 for signature and supplements the asset information of the user of the financial institution corresponding to subnode 3, and so on, until the Nth subnode completes the summary of all the asset information of the user, that is, the total asset data of the user. Each subnode supplements and signs the file in a certain order to avoid repeated processing of data, thereby improving the efficiency of data aggregation and the accuracy of data.

[0078] According to the embodiments of the present disclosure, all financial institutions participating in the project are in the same blockchain, so each node can send the file of this node to any other node, such as any other two nodes, for example, subnode 3 sends its own file to subnode 5 and subnode 10, for backing up the file of subnode 3. When a node state is abnormal (such as subnode 3), that is, when subnode 2 fails to handshake with subnode 3, the system directly skips subnode 3 and transfers the file to subnode 4. When subnode 5 processes and finds that there are signatures of subnodes 1, 2 and 4 in the file, but no signature of subnode 3, it has a backup of the file of subnode 3, and can supplement the processing of the file of subnode 3. By digitally signing the file by each financial institution, the uniqueness of the data is ensured, and the security of the data information is improved. By backing up the files of each subnode, some emergencies can be handled in an emergency, such as a sudden loss of response of a node and temporary problems that may occur in the intranet of each financial institution, and the accuracy of the user's total asset data is further improved.

[0079] S2304, sending a file containing signatures of all sub-nodes to the master node.

[0080] According to an embodiment of the present disclosure, when a sub-node checks that the signatures of sub-nodes 1 to N are complete, a message of processing completion is pushed to the main node. Then, the main node, for example, uses the Gossip protocol to publish the user's daily asset data to each sub-node. At the same time, the main node also updates the asset data to the main storage unit to support functions such as customer asset curve charts, monthly and annual summaries. Each sub-node can, for example, mainly store the user's daily summary asset data.

[0081] According to the embodiments of the present disclosure, the user's total asset data can also be published to each sub-node through the master node. Since each sub-node has a one-to-one digital signature on the file, and then the unified master node publishes the user's total asset data to each sub-node, the traceability and immutability of the user's total asset data are also guaranteed, the information security is improved, and it is also convenient to supervise the user's asset changes and transaction behaviors, laying the foundation for combating various economic crimes.

[0082] In summary, the present disclosure proposes an asset query method based on blockchain, which establishes a blockchain containing multiple nodes, aggregates the asset data of the same user in different financial institutions corresponding to different sub-nodes and stores them in the main storage unit of the main node, and specifically queries the user's total asset data by querying the "My Finance" applet embedded in the APP of each financial institution, so that the user can query his or her total assets with one click, which greatly facilitates the user's management of personal assets.

[0083] Based on the above-mentioned blockchain-based asset query method, the present disclosure also provides a blockchain-based asset query device. Figure 8 The device is described in detail.

[0084] Figure 8 The structural block diagram of the asset query device based on blockchain according to an embodiment of the present disclosure is schematically shown.

[0085] like Figure 8 As shown, the blockchain-based asset query device 800 of this embodiment includes, for example, a building module 810, a collection module 820 and an acquisition module 830.

[0086] The building module 810 is used to establish a blockchain including at least two nodes, wherein the node includes a main node and at least one sub-node, and each sub-node corresponds to a financial institution. In one embodiment, the building module 810 can be used to perform the operation S210 described above, which will not be repeated here.

[0087] The collection module 820 is used to collect the user asset data files of each financial institution through each sub-node. In one embodiment, the collection module 820 can be used to perform the operation S220 described above, which will not be repeated here.

[0088] The acquisition module 830 is used to sign the user asset data file through each sub-node, send the file containing all sub-node signatures to the main node, and obtain the user's total asset data. In one embodiment, the acquisition module 830 can be used to perform the operation S230 described above, which will not be repeated here.

[0089] Fig. 9 The structure block diagram of the building module according to the embodiment of the present disclosure is schematically shown.

[0090] According to the embodiments of the present disclosure, Fig. 9 As shown, the building module 810 of this embodiment includes, for example, a first building unit 8101 , a storage unit 8102 and a second building unit 8103 .

[0091] The first establishing unit 8101 is used to establish a node including a storage unit. In one embodiment, the first establishing unit 8101 can be used to perform the operation S2101 described above, which will not be described in detail here.

[0092] The storage unit 8102 is used to store the user registration information in the storage unit of the master node. In one embodiment, the storage unit 8102 can be used to perform the operation S2102 described above, which will not be repeated here.

[0093] The second establishing unit 8103 is used to establish a mapping relationship between the user registration information and the user's ID in each financial institution. In one embodiment, the second establishing unit 8103 can be used to perform the operation S2103 described above, which will not be repeated here.

[0094] Fig.10 The structure block diagram of the acquisition module according to the embodiment of the present disclosure is schematically shown.

[0095] According to the embodiments of the present disclosure, Fig.10 As shown, the acquisition module 830 of this embodiment includes a publishing unit 8301, a collecting unit 8302, a signing unit 8303 and a summarizing unit 8304.

[0096] The issuing unit 8301 is used to issue digital certificates to each sub-node through the master node. In one embodiment, the issuing unit 8301 can be used to perform the operation S2301 described above, which will not be described in detail here.

[0097] The collection unit 8302 is used to enable each financial institution to send a file containing user asset data to the corresponding sub-node. In one embodiment, the collection unit 8302 can be used to perform the operation S2302 described above, which will not be repeated here.

[0098] The signature unit 8303 is used to implement each sub-node to sign each file using a digital certificate. In one embodiment, the signature unit 8303 can be used to perform the operation S2303 described above, which will not be repeated here.

[0099] The aggregation unit 8304 is used to send a file containing signatures of all sub-nodes to the master node. In one embodiment, the aggregation unit 8304 can be used to perform the operation S2304 described above, which will not be described in detail here.

[0100] According to an embodiment of the present disclosure, any multiple modules in the building module 810, the collection module 820 and the acquisition module 830 can be combined in one module for implementation, 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 building module 810, the collection module 820 and the acquisition module 830 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 any appropriate combination of any of them. Alternatively, at least one of the building module 810, the collection module 820 and the acquisition module 830 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.

[0101] Fig.11 A block diagram of an electronic device suitable for implementing a blockchain-based asset query method according to an embodiment of the present disclosure is schematically shown.

[0102] like Fig.11 As shown, the electronic device 1100 according to an embodiment of the present disclosure includes a processor 1101, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1102 or a program loaded from a storage part 1108 to a random access memory (RAM) 1103. The processor 1101 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 1101 may also include an onboard memory for caching purposes. The processor 1101 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.

[0103] In RAM 1103, various programs and data required for the operation of electronic device 1100 are stored. Processor 1101, ROM 1102 and RAM 1103 are connected to each other through bus 1104. Processor 1101 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 1102 and / or RAM 1103. It should be noted that the program can also be stored in one or more memories other than ROM 1102 and RAM 1103. Processor 1101 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.

[0104] According to an embodiment of the present disclosure, the electronic device 1100 may further include an input / output (I / O) interface 1105, which is also connected to the bus 1104. The electronic device 1100 may further include one or more of the following components connected to the I / O interface 1105: an input portion 1106 including a keyboard, a mouse, etc.; an output portion 1107 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 1108 including a hard disk, etc.; and a communication portion 1109 including a network interface card such as a LAN card, a modem, etc. The communication portion 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to the I / O interface 1105 as needed. A removable medium 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1110 as needed, so that a computer program read therefrom is installed into the storage portion 1108 as needed.

[0105] 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.

[0106] 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 1102 and / or RAM 1103 described above and / or one or more memories other than ROM 1102 and RAM 1103.

[0107] 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.

[0108] 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 1101. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0109] 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 1109, and / or installed from a removable medium 1111. 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.

[0110] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1109, and / or installed from the removable medium 1111. When the computer program is executed by the processor 1101, 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.

[0111] 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).

[0112] 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.

[0113] 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.

[0114] 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 blockchain-based asset query method, characterized in that: include: Establishing a blockchain including at least two nodes, wherein the nodes include a main node and at least one sub-node, each of the sub-nodes corresponds to a financial institution, and the financial institutions include banks and third-party quick payment institutions; Collecting the corresponding user asset data files of the financial institution through each of the sub-nodes; The user asset data file is signed by each of the sub-nodes, and the file containing the signatures of all the sub-nodes is sent to the master node to obtain the user's total asset data; Wherein, establishing a blockchain including at least two nodes includes: Establishing the node including the storage unit; Storing user registration information in the storage unit of the master node; Establishing a mapping relationship between user registration information and the user's ID in each of the financial institutions; Establishing the node including the executable program container; Release the program update package to each of the sub-nodes through the master node; The program modules embedded in the APP of each financial institution are stored in the executable program container, and the program modules in each sub-node are updated using the program update package; Based on the mapping relationship, the user's total asset data is queried through the updated program module.

2. The asset query method based on blockchain according to claim 1, characterized in that: The user asset data file is signed by each of the sub-nodes, and the file containing the signatures of all the sub-nodes is sent to the main node to obtain the user total asset data, including: Issuing a digital certificate to each of the sub-nodes through the master node; Each of the financial institutions sends a file containing the user asset data to the corresponding sub-node respectively; Each of the sub-nodes signs each of the files using the digital certificate; Send a file containing signatures of all the sub-nodes to the master node.

3. The asset query method based on blockchain according to claim 1, characterized in that: The signing of the user asset data file by each of the sub-nodes includes: Sort and number the sub-nodes to obtain the first and second sub-nodes that are adjacent to each other; The files are signed successively in sequence by the sorted sub-nodes, wherein the user asset data in the second sub-node is supplemented and signed based on the signature file of the first sub-node; The user asset data in other sub-nodes are supplemented and signed in sequence until the file contains the signatures of all the sub-nodes.

4. The asset query method based on blockchain according to claim 1, characterized in that: The blockchain-based asset query method further includes: Each of the sub-nodes sends the user asset data file of the sub-node to any other sub-node for backup.

5. The asset query method based on blockchain according to claim 4 is characterized in that: If the third sub-node is abnormal, other sub-nodes that have backed up the files of the third sub-node will supplement the user asset data of the third sub-node in the continuously signed files and sign them.

6. The asset query method based on blockchain according to claim 1, characterized in that: The documents include: Billing documents and balance sheet documents; The user transaction data is collected through the bill file, and the user asset and liability data is collected through the asset and liability file. The user transaction data and the user asset and liability data together constitute the user asset data or the user total asset data.

7. The asset query method based on blockchain according to claim 6 is characterized in that: The billing documents and the assets and liabilities documents include: Message header and message body; The file is signed through the message header, and the user transaction data or the user asset and liability data is recorded through the message body.

8. The asset query method based on blockchain according to claim 1, characterized in that: The collecting of the corresponding user asset data files of the financial institution through each of the sub-nodes includes: Eliminate the transfer data between the financial institutions with the same user ID; Eliminate bank card transaction data from the third-party quick payment institution.

9. The asset query method based on blockchain according to claim 1, characterized in that: The sub-node is isolated from the intranet of the financial institution.

10. The asset query method based on blockchain according to claim 1, characterized in that: The blockchain-based asset query method further includes: The user's total asset data is published to each of the branch nodes through the master node.

11. The asset query method based on blockchain according to claim 1, characterized in that: The blockchain-based asset query method further includes: Through the target user's credit authorization, other users are allowed to query the target user's total asset data.

12. An asset query device based on blockchain, characterized in that: include: A building module for establishing a blockchain including at least two nodes, wherein the nodes include a main node and at least one sub-node, each of the sub-nodes corresponds to a financial institution, and the financial institutions include banks and third-party quick payment institutions; A collection module, used to collect user asset data files of each of the financial institutions through each of the sub-nodes; An acquisition module, used to sign the user asset data file through each of the sub-nodes, send the file containing the signatures of all the sub-nodes to the master node, and obtain the user's total asset data; Wherein, establishing a blockchain including at least two nodes includes: Establishing the node including the storage unit; Storing user registration information in the storage unit of the master node; Establishing a mapping relationship between user registration information and the user's ID in each of the financial institutions; Establishing the node including the executable program container; Release the program update package to each of the sub-nodes through the master node; The program modules embedded in the APP of each financial institution are stored in the executable program container, and the program modules in each sub-node are updated using the program update package; Based on the mapping relationship, the user's total asset data is queried through the updated program module.

13. The asset query device based on blockchain according to claim 12, characterized in that: The building module includes: A first establishing unit, configured to establish the node including the storage unit; A storage unit, used to store user registration information in the storage unit of the master node; The second establishing unit is used to establish a mapping relationship between the user registration information and the user's ID in each of the financial institutions.

14. The asset query device based on blockchain according to claim 12, characterized in that: The acquisition module comprises: A publishing unit, used for publishing a digital certificate to each of the sub-nodes through the master node; A collection unit, used to enable each of the financial institutions to send a file containing the user asset data to the corresponding sub-node; A signature unit, used to enable each of the sub-nodes to sign each of the files using the digital certificate; The aggregation unit is used to send a file containing signatures of all the sub-nodes to the master node.

15. An electronic device, comprising: one or more processors; A memory 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 implement the asset query method according to any one of claims 1 to 11.

16. A computer-readable storage medium storing computer-executable instructions, wherein the instructions are used to implement the asset query method according to any one of claims 1 to 11 when executed.

17. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the asset query method according to any one of claims 1 to 11 is implemented.

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