Blockchain-based guarantee data processing method, node and system

Abstract

The present invention provides a blockchain-based guarantee data processing method, node and system, which can be used in the field of blockchain technology. The method includes: receiving guarantee application information transmitted by a customer terminal, determining customer information based on the guarantee application information; determining customer credit information corresponding to the customer information based on the customer information; determining whether the guarantee application information is approved based on the customer credit information, and if approved, generating an electronic guarantee and guarantee-related information, transmitting the electronic guarantee and the guarantee-related information to other nodes of the blockchain so that the beneficiary node determines the target electronic guarantee based on the received guarantee payment request and the guarantee-related information and completes the transaction. The present invention can build a consortium chain through blockchain technology to ensure the efficiency, security and transparency of guarantee data processing.

Description

Technical Field

[0001] The present invention relates to the technical field of guarantee data processing, in particular to the technical field of blockchain, and more particularly to a guarantee data processing method, node and system based on blockchain. Background Art

[0002] The guarantee business refers to a written credit guarantee certificate issued by the bank as a guarantor to the beneficiary upon the application of the guarantor or counter-guarantor. When the guarantor fails to perform its obligations as agreed, the bank shall perform the legal act of compensation or payment liability on its behalf. In the guarantee business, there is a long process for issuing a guarantee, which cannot meet the timeliness requirements of customers. At the same time, the circulation of paper guarantees is inconvenient and the verification cost is high. The transferred guarantee cannot be verified across banks. There is a risk of false issuance of a guarantee, and the credit risk borne by the account manager is relatively high, which affects the enthusiasm for business handling. Summary of the invention

[0003] One object of the present invention is to provide a method for processing guarantee data based on blockchain, and to build a consortium chain through blockchain technology to ensure the efficiency, security and transparency of guarantee data processing. Another object of the present invention is to provide a bank node. Another object of the present invention is to provide a beneficiary node. Another object of the present invention is to provide a regulatory node. Another object of the present invention is to provide a guarantee data processing system based on blockchain. Another object of the present invention is to provide a computer device. Another object of the present invention is to provide a readable medium.

[0004] In order to achieve the above objectives, the present invention discloses, on one hand, a method for processing letter of guarantee data based on blockchain, comprising:

[0005] Receiving the guarantee application information transmitted by the client terminal, and determining the client information according to the guarantee application information;

[0006] Determining customer credit information corresponding to the customer information based on the customer information;

[0007] Determine whether the letter of guarantee application information is approved based on the customer credit information. If approved, generate an electronic letter of guarantee and letter of guarantee related information, and transmit the electronic letter of guarantee and the letter of guarantee related information to other nodes of the blockchain so that the beneficiary node can determine the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and complete the transaction to obtain the transaction result, and receive the transaction result transmitted by the beneficiary node.

[0008] Preferably, determining the target electronic letter of guarantee and completing the transaction according to the received letter of guarantee payment request and the letter of guarantee related information specifically includes:

[0009] Determining the guarantee information of the target electronic guarantee according to the guarantee payment request;

[0010] Determine the letter of guarantee location information corresponding to the letter of guarantee information from the letter of guarantee related information according to the letter of guarantee information;

[0011] The corresponding target electronic letter of guarantee is obtained according to the letter of guarantee location information, and the letter of guarantee payment request is verified according to the target electronic letter of guarantee. If the verification passes, the transaction is completed according to the letter of guarantee payment request.

[0012] Preferably, the verifying the letter of guarantee payment request according to the target electronic letter of guarantee specifically includes:

[0013] Determining the electronic letter of guarantee to be verified according to the letter of guarantee payment request;

[0014] The electronic letter of guarantee to be verified is compared with the target electronic letter of guarantee. If the comparison is consistent, the letter of guarantee payment request is verified.

[0015] Preferably, further comprising:

[0016] Receiving the letter of guarantee pledge application transmitted by the client terminal;

[0017] Forming guarantee circulation information based on the guarantee pledge application;

[0018] The guarantee letter circulation information is transmitted to the supervision node so that the supervision node can determine whether there is any abnormality in the guarantee letter circulation information. If there is any abnormality, the abnormal information is fed back to the supervisor.

[0019] Preferably, further comprising:

[0020] Receiving the letter of guarantee transfer application transmitted by the client terminal;

[0021] Update the relevant information of the letter of guarantee according to the application for transfer of the letter of guarantee;

[0022] The updated information related to the letter of guarantee is transmitted to the supervision node so that the supervision node determines whether there is any abnormality in the updated information related to the letter of guarantee. If there is any abnormality, the abnormal information is fed back to the supervisor.

[0023] The present invention also discloses a method for processing guarantee data based on blockchain, comprising:

[0024] Receiving an electronic letter of guarantee and related information of the letter of guarantee transmitted by a bank node, wherein the electronic letter of guarantee and related information of the letter of guarantee are obtained by the bank node receiving letter of guarantee application information transmitted by a customer terminal, determining customer information according to the letter of guarantee application information; determining customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is approved according to the customer credit information, and if approved, generating an electronic letter of guarantee and related information of the letter of guarantee;

[0025] The target electronic letter of guarantee is determined based on the received letter of guarantee payment request and the letter of guarantee related information, and the transaction is completed to obtain the transaction result, which is then transmitted to other nodes of the blockchain.

[0026] The present invention also discloses a method for processing guarantee data based on blockchain, comprising:

[0027] Receive the electronic letter of guarantee and the letter of guarantee related information transmitted by the bank node, wherein the electronic letter of guarantee and the letter of guarantee related information are obtained by the bank node receiving the letter of guarantee application information transmitted by the customer terminal, determining the customer information according to the letter of guarantee application information; determining the customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is approved according to the customer credit information, and if approved, generating an electronic letter of guarantee and the letter of guarantee related information; receiving the transaction result transmitted by the beneficiary node, which determines the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and completes the transaction.

[0028] Preferably, further comprising:

[0029] Receiving guarantee letter circulation information transmitted by a bank node, wherein the guarantee letter circulation information is formed by the bank node receiving the guarantee letter pledge application transmitted by the client terminal according to the guarantee letter pledge application;

[0030] Determine whether there are any abnormalities in the guarantee circulation information. If there are any abnormalities, feedback the abnormal information to the supervisor.

[0031] Preferably, further comprising:

[0032] receiving updated letter of guarantee related information transmitted by the bank node, wherein the updated letter of guarantee related information is obtained by the bank node receiving the letter of guarantee transfer application transmitted by the customer terminal and updating the letter of guarantee related information according to the letter of guarantee transfer application;

[0033] Determine whether there are any abnormalities in the updated information related to the letter of guarantee. If there are any abnormalities, feedback the abnormal information to the supervisor.

[0034] The present invention also discloses a bank node, comprising:

[0035] An information processing module, used for receiving the guarantee application information transmitted by the client terminal, and determining the client information according to the guarantee application information;

[0036] An information matching module, used to determine the customer credit information corresponding to the customer information according to the customer information;

[0037] The electronic letter of guarantee management module is used to determine whether the letter of guarantee application information is approved based on the customer credit information. If approved, an electronic letter of guarantee and letter of guarantee related information are generated, and the electronic letter of guarantee and the letter of guarantee related information are transmitted to other nodes of the blockchain so that the beneficiary node can determine the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and complete the transaction to obtain the transaction result, and receive the transaction result transmitted by the beneficiary node.

[0038] The present invention also discloses a beneficiary node, comprising:

[0039] An information receiving module, used for receiving an electronic letter of guarantee and related information of the letter of guarantee transmitted by a bank node, wherein the electronic letter of guarantee and related information of the letter of guarantee are obtained by the bank node receiving letter of guarantee application information transmitted by a customer terminal, determining customer information according to the letter of guarantee application information; determining customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is approved according to the customer credit information, and if approved, generating an electronic letter of guarantee and related information of the letter of guarantee;

[0040] The transaction management module is used to determine the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information, complete the transaction to obtain the transaction result, and transmit the transaction result to other nodes of the blockchain.

[0041] The present invention also discloses a supervisory node, which is configured as follows:

[0042] Receive the electronic letter of guarantee and the letter of guarantee related information transmitted by the bank node, wherein the electronic letter of guarantee and the letter of guarantee related information are obtained by the bank node receiving the letter of guarantee application information transmitted by the customer terminal, determining the customer information according to the letter of guarantee application information; determining the customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is approved according to the customer credit information, and if approved, generating an electronic letter of guarantee and the letter of guarantee related information; receiving the transaction result transmitted by the beneficiary node, which determines the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and completes the transaction.

[0043] The present invention also discloses a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0044] When the processor executes the program, the method described above is implemented.

[0045] The present invention also discloses a computer readable medium having a computer program stored thereon.

[0046] When the program is executed by a processor, the method described above is implemented.

[0047] The guarantee data processing method based on blockchain of the present invention receives the guarantee application information transmitted by the client terminal, determines the client information according to the guarantee application information, determines the client credit information corresponding to the client information according to the client information, determines whether the guarantee application information is passed according to the client credit information, and if passed, generates an electronic guarantee and guarantee related information, and transmits the electronic guarantee and the guarantee related information to other nodes of the blockchain so that the beneficiary node determines the target electronic guarantee according to the received guarantee payment request and the guarantee related information and completes the transaction. Thus, the guarantee data processing method based on blockchain of the present invention can receive the guarantee application information transmitted by the user terminal, determine the client information of the client applying for the electronic customs guarantee according to the guarantee application information, obtain the pre-stored client authorization information according to the parsed client information, authenticate the client according to the client authorization information, determine whether the client has been authorized, and if the authentication is passed, generate the corresponding electronic guarantee and the corresponding guarantee related information of the client. Then, based on the smart contract of blockchain, the electronic guarantee and the guarantee related information can be transmitted to other nodes of blockchain. Among them, the beneficiary node can store the received electronic guarantee and guarantee-related information. When the customer uses the electronic guarantee to pay, the beneficiary node can obtain the corresponding guarantee-related information according to the received guarantee payment request, determine the target electronic guarantee corresponding to the guarantee payment request, and verify the guarantee payment request according to the target electronic guarantee to complete the guarantee payment transaction. Thus, the present invention realizes the chain generation, circulation, verification and payment transaction of the guarantee through blockchain, breaks the information barriers between various institutions, improves the efficiency of guarantee business handling and supervision, ensures that the electronic guarantee cannot be tampered with, and ensures the efficiency, security and transparency of guarantee data processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0049] Figure 1 A structural diagram showing a specific embodiment of a guarantee data processing system based on blockchain of the present invention;

[0050] Figure 2 A flowchart showing a specific embodiment of the method for processing guarantee data (bank node) based on blockchain of the present invention;

[0051] Figure 3 A flowchart showing a specific embodiment S300 of the method for processing guarantee data based on blockchain of the present invention;

[0052] Figure 4A flowchart showing a specific embodiment S330 of the method for processing guarantee data based on blockchain of the present invention;

[0053] Figure 5 A flowchart showing a specific embodiment S400 of the method for processing guarantee data based on blockchain of the present invention;

[0054] Figure 6 A flowchart showing a specific embodiment S500 of the method for processing guarantee data based on blockchain of the present invention;

[0055] Figure 7 A flowchart showing a specific embodiment of the method for processing guarantee data (beneficiary node) based on blockchain of the present invention;

[0056] Figure 8 A structural diagram showing a specific embodiment of a bank node of the present invention;

[0057] Fig. 9 A structural diagram showing a specific embodiment of a beneficiary node of the present invention;

[0058] Fig.10 A schematic diagram showing the structure of a computer device suitable for implementing an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0059] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0060] It should be noted that the blockchain-based guarantee data processing method, node and system disclosed in this application can be used in the field of blockchain technology, and can also be used in any field outside the field of blockchain technology. The application field of the blockchain-based guarantee data processing method, node and system disclosed in this application is not limited.

[0061] In order to facilitate the understanding of the technical solution provided by the present application, the relevant contents of the technical solution of the present application are first described below. The guarantee data processing method based on blockchain provided by the embodiment of the present invention can receive the guarantee application information transmitted by the user terminal, determine the customer information of the customer applying for the electronic tariff guarantee according to the guarantee application information, obtain the pre-stored customer authorization information according to the customer information obtained by parsing, and authenticate the customer according to the customer authorization information to determine whether the customer has been authorized. If the authentication is passed, the electronic guarantee corresponding to the customer and the corresponding guarantee related information are generated. Then, based on the smart contract of blockchain, the electronic guarantee and the guarantee related information can be transmitted to other nodes of the blockchain. Among them, the beneficiary node can store the received electronic guarantee and the guarantee related information. When the customer uses the electronic guarantee to pay, the beneficiary node can obtain the corresponding guarantee related information according to the received guarantee payment request, determine the target electronic guarantee corresponding to the guarantee payment request, and verify the guarantee payment request according to the target electronic guarantee to complete the guarantee payment transaction. Therefore, the present invention realizes the on-chain generation, circulation, verification and payment transaction of letters of guarantee through blockchain, breaks down the information barriers between institutions, improves the efficiency of letter of guarantee business handling and supervision, ensures that electronic letters of guarantee cannot be tampered with, and ensures the efficiency, security and transparency of letter of guarantee data processing.

[0062] Figure 1 : is a schematic diagram of the structure of the guarantee data processing system based on blockchain provided by an embodiment of the present invention, such as Figure 1 As shown, the blockchain-based letter of guarantee data processing system provided by an embodiment of the present invention includes a bank node 1, a beneficiary node 2 and a supervision node 3.

[0063] Among them, bank node 1 can receive letter of guarantee application information transmitted by the customer terminal, determine the customer information based on the letter of guarantee application information, determine the customer credit information corresponding to the customer information based on the customer information, and determine whether the letter of guarantee application information is passed based on the customer credit information. If passed, an electronic letter of guarantee and letter of guarantee related information are generated, and the electronic letter of guarantee and the letter of guarantee related information are transmitted to other nodes of the blockchain (beneficiary node 2 and supervision node 3) so that beneficiary node 2 determines the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and completes the transaction.

[0064] The following takes bank node 1 as an example to illustrate the implementation process of the blockchain-based guarantee data processing method provided by the embodiment of the present invention. It is understandable that the execution subject of the blockchain-based guarantee data processing method provided by the embodiment of the present invention includes but is not limited to the bank node 1.

[0065] According to one aspect of the present invention, this embodiment discloses a method for processing guarantee data based on blockchain. Figure 2As shown, in this embodiment, the method includes:

[0066] S100: receiving guarantee letter application information transmitted by a client terminal, and determining client information according to the guarantee letter application information.

[0067] S200: Determine customer credit information corresponding to the customer information according to the customer information.

[0068] S300: Determine whether the letter of guarantee application information is approved based on the customer credit information. If approved, generate an electronic letter of guarantee and letter of guarantee related information, and transmit the electronic letter of guarantee and the letter of guarantee related information to other nodes of the blockchain so that the beneficiary node determines the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and completes the transaction to obtain the transaction result, and receives the transaction result transmitted by the beneficiary node.

[0069] The guarantee data processing method based on blockchain of the present invention receives the guarantee application information transmitted by the client terminal, determines the client information according to the guarantee application information, determines the client credit information corresponding to the client information according to the client information, determines whether the guarantee application information is passed according to the client credit information, and if passed, generates an electronic guarantee and guarantee related information, and transmits the electronic guarantee and the guarantee related information to other nodes of the blockchain so that the beneficiary node determines the target electronic guarantee according to the received guarantee payment request and the guarantee related information and completes the transaction. Thus, the guarantee data processing method based on blockchain of the present invention can receive the guarantee application information transmitted by the user terminal, determine the client information of the client applying for the electronic customs guarantee according to the guarantee application information, obtain the pre-stored client authorization information according to the parsed client information, authenticate the client according to the client authorization information, determine whether the client has been authorized, and if the authentication is passed, generate the corresponding electronic guarantee and the corresponding guarantee related information of the client. Then, based on the smart contract of blockchain, the electronic guarantee and the guarantee related information can be transmitted to other nodes of blockchain. Among them, the beneficiary node can store the received electronic guarantee and guarantee-related information. When the customer uses the electronic guarantee to pay, the beneficiary node can obtain the corresponding guarantee-related information according to the received guarantee payment request, determine the target electronic guarantee corresponding to the guarantee payment request, and verify the guarantee payment request according to the target electronic guarantee to complete the guarantee payment transaction. Thus, the present invention realizes the chain generation, circulation, verification and payment transaction of the guarantee through blockchain, breaks the information barriers between various institutions, improves the efficiency of guarantee business handling and supervision, ensures that the electronic guarantee cannot be tampered with, and ensures the efficiency, security and transparency of guarantee data processing.

[0070] In a preferred embodiment, Figure 3As shown, the step S300 determines the target electronic letter of guarantee and completes the transaction according to the received letter of guarantee payment request and the letter of guarantee related information, specifically including:

[0071] S310: Determine the guarantee information of the target electronic letter of guarantee according to the guarantee payment request.

[0072] S320: Determine the letter of guarantee location information corresponding to the letter of guarantee information from the letter of guarantee related information according to the letter of guarantee information.

[0073] S330: Obtain a corresponding target electronic letter of guarantee according to the letter of guarantee location information, verify the letter of guarantee payment request according to the target electronic letter of guarantee, and if the verification passes, complete the transaction according to the letter of guarantee payment request.

[0074] Specifically, the beneficiary node receives a customer's guarantee payment request, which may include the customer's electronic guarantee to be verified and related guarantee information. The beneficiary node stores all electronic guarantees and guarantee-related information. The beneficiary node matches the guarantee information in the guarantee-related information based on the guarantee information parsed from the guarantee payment request. If the match is successful, the guarantee location information of the target electronic guarantee corresponding to the guarantee information can be obtained. Based on the guarantee location information, the corresponding target electronic guarantee can be obtained to verify the guarantee payment request based on the target electronic guarantee. If the verification is successful, the transaction is completed according to the guarantee payment request.

[0075] In a preferred embodiment, Figure 4 As shown, the S330 verifies the guarantee payment request according to the target electronic guarantee and specifically includes:

[0076] S331: Determine the electronic letter of guarantee to be verified according to the letter of guarantee payment request.

[0077] S332: Compare the electronic letter of guarantee to be verified with the target electronic letter of guarantee. If the comparison is consistent, the letter of guarantee payment request is verified.

[0078] Specifically, in this preferred embodiment, the guarantee payment request may include the customer's electronic guarantee to be verified and related guarantee information. The authenticity of the electronic guarantee to be verified in the customer's guarantee payment request may be verified based on the target electronic guarantee, and the target electronic guarantee and the electronic guarantee to be verified may be compared to determine whether the electronic guarantee to be verified is authentic. If the electronic guarantee to be verified is authentic, that is, the verification passes, the guarantee transaction may be completed based on the electronic guarantee to be verified.

[0079] It should be noted that, in the process of comparing the electronic letter of guarantee to be verified and the target electronic letter of guarantee, the electronic letter of guarantee to be verified and the target electronic letter of guarantee can be comprehensively compared to determine whether they are completely consistent, or a preset algorithm can be used to calculate the electronic letter of guarantee to be verified and the target electronic letter of guarantee respectively before comparison, for example, a hash algorithm can be used to calculate the electronic letter of guarantee to be verified and the target electronic letter of guarantee respectively before comparison to determine whether they are consistent, which can also determine whether the electronic letter of guarantee to be verified is true. Of course, in actual applications, other methods can also be used to compare the electronic letter of guarantee to be verified and the target electronic letter of guarantee, and the present invention is not limited to this.

[0080] In a preferred embodiment, Figure 5 As shown, the method further includes S400:

[0081] S410: Receive the letter of guarantee pledge application transmitted by the client terminal.

[0082] S420: Generate guarantee circulation information according to the guarantee pledge application.

[0083] S430: Transmit the guarantee circulation information to the supervision node so that the supervision node determines whether there is any abnormality in the guarantee circulation information. If there is any abnormality, the abnormal information is fed back to the supervisor.

[0084] Specifically, when the customer uses the electronic letter of guarantee for pledge, the letter of guarantee pledge application transmitted by the customer terminal can be received, and the letter of guarantee circulation information is formed according to the letter of guarantee pledge application to indicate that the electronic letter of guarantee is used for pledge, and the letter of guarantee circulation information is formed according to the relevant information of the pledge. Further, the letter of guarantee circulation information is transmitted to the supervision node, and the supervision node can determine whether there are any abnormal situations such as violations in the pledge of the electronic letter of guarantee based on the received letter of guarantee circulation information. If so, the abnormal information can be fed back to the supervisor. In this preferred embodiment, by forming the letter of guarantee circulation information when processing the letter of guarantee pledge application of the customer terminal, the letter of guarantee circulation information is shared to other nodes in the blockchain including the supervision node through the blockchain, and the supervision node can supervise the pledge process of the electronic letter of guarantee based on the letter of guarantee circulation information shared by the bank node so as to be able to promptly discover abnormal situations such as violations during the use of the electronic letter of guarantee, thereby enhancing the security and transparency of the management of the electronic letter of guarantee.

[0085] In a preferred embodiment, Figure 6 As shown, the method further includes S500:

[0086] S510: Receive the letter of guarantee transfer application transmitted by the client terminal.

[0087] S520: Update the relevant information of the letter of guarantee according to the application for transfer of the letter of guarantee.

[0088] S530: The updated information related to the letter of guarantee is transmitted to the supervision node so that the supervision node determines whether there is any abnormality in the updated information related to the letter of guarantee. If there is any abnormality, the abnormal information is fed back to the supervisor.

[0089] Specifically, when the customer transfers the electronic letter of guarantee, the letter of guarantee transfer application transmitted by the customer terminal can be received, and the letter of guarantee related information can be updated according to the letter of guarantee transfer application, which is used to modify the relevant information of the electronic letter of guarantee and modify the scope of use of the electronic letter of guarantee. Further, the updated letter of guarantee related information is transmitted to the supervision node, and the supervision node can determine whether there are any abnormal situations such as violations in the transfer of the electronic letter of guarantee based on the received updated letter of guarantee related information. If so, the abnormal information can be fed back to the supervisor. In this preferred embodiment, by updating the letter of guarantee related information when processing the letter of guarantee transfer application of the customer terminal, the updated letter of guarantee related information is shared to other nodes in the blockchain including the supervision node through the blockchain, and the supervision node can supervise the transfer process of the electronic letter of guarantee based on the updated letter of guarantee related information shared by the bank node so as to promptly discover abnormal situations such as violations in the process of transferring the electronic letter of guarantee, thereby enhancing the security and transparency of the management of the electronic letter of guarantee.

[0090] Based on the same principle, this embodiment also discloses a method for processing guarantee data based on blockchain. Figure 7 As shown, in this embodiment, the method includes:

[0091] S610: Receive an electronic letter of guarantee and information related to the letter of guarantee transmitted by a bank node, wherein the electronic letter of guarantee and information related to the letter of guarantee are obtained by receiving, by the bank node, letter of guarantee application information transmitted by a customer terminal, determining customer information based on the letter of guarantee application information; determining customer credit information corresponding to the customer information based on the customer information; determining whether the letter of guarantee application information is approved based on the customer credit information, and if approved, generating an electronic letter of guarantee and information related to the letter of guarantee.

[0092] S620: Determine the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information, complete the transaction to obtain the transaction result, and transmit the transaction result to other nodes of the blockchain.

[0093] Since the principle of solving the problem by this method is similar to that of the above method, the implementation of this method can refer to the implementation of the method, and will not be repeated here.

[0094] Based on the same principle, this embodiment also discloses a method for processing guarantee data based on blockchain. In this embodiment, the method includes:

[0095] Receive the electronic letter of guarantee and the letter of guarantee related information transmitted by the bank node, wherein the electronic letter of guarantee and the letter of guarantee related information are obtained by the bank node receiving the letter of guarantee application information transmitted by the customer terminal, determining the customer information according to the letter of guarantee application information; determining the customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is approved according to the customer credit information, and if approved, generating an electronic letter of guarantee and the letter of guarantee related information; receiving the transaction result transmitted by the beneficiary node, which determines the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and completes the transaction.

[0096] In a preferred embodiment, the method further comprises:

[0097] Receiving guarantee letter circulation information transmitted by a bank node, wherein the guarantee letter circulation information is formed by the bank node receiving the guarantee letter pledge application transmitted by the client terminal according to the guarantee letter pledge application;

[0098] Determine whether there are any abnormalities in the guarantee circulation information. If there are any abnormalities, feedback the abnormal information to the supervisor.

[0099] In a preferred embodiment, the method further comprises:

[0100] receiving updated letter of guarantee related information transmitted by the bank node, wherein the updated letter of guarantee related information is obtained by the bank node receiving the letter of guarantee transfer application transmitted by the customer terminal and updating the letter of guarantee related information according to the letter of guarantee transfer application;

[0101] Determine whether there are any abnormalities in the updated information related to the letter of guarantee. If there are any abnormalities, feedback the abnormal information to the supervisor.

[0102] Since the principle of solving the problem by this method is similar to that of the above method, the implementation of this method can refer to the implementation of the method, and will not be repeated here.

[0103] Based on the same principle, this embodiment also discloses a bank node. Figure 8 As shown, in this embodiment, the node includes an information processing module 11, an information matching module 12 and an electronic letter of guarantee management module 13.

[0104] The information processing module 11 is used to receive the guarantee application information transmitted by the client terminal, and determine the client information according to the guarantee application information.

[0105] The information matching module 12 is used to determine the customer credit information corresponding to the customer information according to the customer information.

[0106] The electronic letter of guarantee management module 13 is used to determine whether the letter of guarantee application information is approved based on the customer credit information. If approved, an electronic letter of guarantee and letter of guarantee related information are generated, and the electronic letter of guarantee and the letter of guarantee related information are transmitted to other nodes of the blockchain so that the beneficiary node determines the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and completes the transaction to obtain the transaction result, and receives the transaction result transmitted by the beneficiary node.

[0107] Since the principle of solving the problem by this node is similar to the above method, the implementation of this node can refer to the implementation of the method and will not be repeated here.

[0108] Based on the same principle, this embodiment also discloses a beneficiary node. Fig. 9 As shown, in this embodiment, the node includes an information receiving module 21 and a transaction management module 22.

[0109] Among them, the information receiving module 21 is used to receive the electronic letter of guarantee and the information related to the letter of guarantee transmitted by the bank node, and the electronic letter of guarantee and the information related to the letter of guarantee are obtained by the bank node receiving the letter of guarantee application information transmitted by the customer terminal, determining the customer information according to the letter of guarantee application information; determining the customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is approved according to the customer credit information, and if approved, generating the electronic letter of guarantee and the information related to the letter of guarantee.

[0110] The transaction management module 22 is used to determine the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and complete the transaction to obtain the transaction result, and transmit the transaction result to other nodes of the blockchain.

[0111] Since the principle of solving the problem by this node is similar to the above method, the implementation of this node can refer to the implementation of the method and will not be repeated here.

[0112] Based on the same principle, this embodiment also discloses a supervision node. In this embodiment, the node is configured to receive an electronic letter of guarantee and the letter of guarantee related information transmitted by a bank node, wherein the electronic letter of guarantee and the letter of guarantee related information are obtained by the bank node receiving the letter of guarantee application information transmitted by the customer terminal, determining the customer information according to the letter of guarantee application information; determining the customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is passed according to the customer credit information, and if passed, generating an electronic letter of guarantee and the letter of guarantee related information; receiving the transaction result transmitted by the beneficiary node, determining the target electronic letter of guarantee according to the received letter of guarantee payment request and the letter of guarantee related information and completing the transaction.

[0113] Since the principle of solving the problem by this node is similar to the above method, the implementation of this node can refer to the implementation of the method and will not be repeated here.

[0114] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer device, and specifically, the computer device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0115] In a typical example, the computer device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the method executed by the client as described above is implemented; or, when the processor executes the program, the method executed by the server as described above is implemented.

[0116] Reference below Fig.10 , which shows a schematic diagram of the structure of a computer device 600 suitable for implementing an embodiment of the present application.

[0117] like Fig.10 As shown, the computer device 600 includes a central processing unit (CPU) 601, which can perform various appropriate operations and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 to a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0118] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal feedback device (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 606 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0119] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program tangibly contained on a machine-readable medium, and the computer program includes program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 609, and / or installed from the removable medium 611.

[0120] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0121] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0122] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0123] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0124] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0125] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0126] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0127] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0128] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0129] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method for processing guarantee data based on blockchain, characterized in that: include: Receiving the guarantee application information transmitted by the client terminal, and determining the client information according to the guarantee application information; Determining customer credit information corresponding to the customer information based on the customer information; Determine whether the letter of guarantee application information is approved according to the customer credit information; if approved, generate an electronic letter of guarantee and letter of guarantee related information, transmit the electronic letter of guarantee and the letter of guarantee related information to other nodes of the blockchain so that the beneficiary node determines the target electronic letter of guarantee according to the received letter of guarantee payment request and the letter of guarantee related information and completes the transaction to obtain the transaction result, and receives the transaction result transmitted by the beneficiary node; the determining the target electronic letter of guarantee according to the received letter of guarantee payment request and the letter of guarantee related information and completing the transaction specifically includes: Determining the guarantee information of the target electronic guarantee according to the guarantee payment request; Determine the letter of guarantee location information corresponding to the letter of guarantee information from the letter of guarantee related information according to the letter of guarantee information; Acquire the corresponding target electronic letter of guarantee according to the letter of guarantee location information, verify the letter of guarantee payment request according to the target electronic letter of guarantee, and if the verification passes, complete the transaction according to the letter of guarantee payment request; Also includes: Receiving the letter of guarantee pledge application transmitted by the client terminal; Forming guarantee circulation information based on the guarantee pledge application; Transmitting the guarantee letter circulation information to a supervision node so that the supervision node determines whether there is any abnormality in the guarantee letter circulation information, and if there is any abnormality, feeding back the abnormal information to the supervisor; Receive an electronic letter of guarantee and information related to the letter of guarantee transmitted by a bank node, wherein the electronic letter of guarantee and information related to the letter of guarantee are letter of guarantee application information transmitted by a customer terminal received by the bank node, determine customer information based on the letter of guarantee application information; determine customer credit information corresponding to the customer information based on the customer information; determine whether the letter of guarantee application information is approved based on the customer credit information, and if approved, generate an electronic letter of guarantee and information related to the letter of guarantee.

2. The method for processing guarantee data based on blockchain according to claim 1, characterized in that: The verifying the letter of guarantee payment request according to the target electronic letter of guarantee specifically includes: Determining the electronic letter of guarantee to be verified according to the letter of guarantee payment request; The electronic letter of guarantee to be verified is compared with the target electronic letter of guarantee. If the comparison is consistent, the letter of guarantee payment request is verified.

3. The method for processing guarantee data based on blockchain according to claim 1, characterized in that: Further including: Receiving the letter of guarantee transfer application transmitted by the client terminal; Update the relevant information of the letter of guarantee according to the application for transfer of the letter of guarantee; Transmitting updated information related to the letter of guarantee to the supervision node so that the supervision node; Determine whether there are any abnormalities in the updated information related to the letter of guarantee. If there are any abnormalities, feedback the abnormal information to the supervisor.

4. A blockchain-based guarantee data processing system, characterized in that: Including bank nodes, beneficiary nodes and regulatory nodes; The bank node includes: An information processing module, used for receiving the letter of guarantee application information transmitted by the client terminal, determining the client information according to the letter of guarantee application information; receiving the letter of guarantee pledge application transmitted by the client terminal; and forming the letter of guarantee circulation information according to the letter of guarantee pledge application; An information matching module, used to determine the customer credit information corresponding to the customer information according to the customer information; An electronic letter of guarantee management module is used to determine whether the letter of guarantee application information is approved based on the customer credit information, and if approved, generate an electronic letter of guarantee and letter of guarantee related information, and transmit the electronic letter of guarantee and the letter of guarantee related information to other nodes of the blockchain so that the beneficiary node can determine the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information and complete the transaction to obtain the transaction result, receive the transaction result transmitted by the beneficiary node; determine the letter of guarantee information of the target electronic letter of guarantee based on the letter of guarantee payment request; determine the letter of guarantee location information corresponding to the letter of guarantee information from the letter of guarantee related information based on the letter of guarantee information; obtain the corresponding target electronic letter of guarantee based on the letter of guarantee location information, and verify the letter of guarantee payment request based on the target electronic letter of guarantee. If the verification is successful, complete the transaction based on the letter of guarantee payment request; transmit the letter of guarantee circulation information to the supervision node; The beneficiary node includes: An information receiving module, used for receiving an electronic letter of guarantee and related information of the letter of guarantee transmitted by a bank node, wherein the electronic letter of guarantee and related information of the letter of guarantee are obtained by the bank node receiving letter of guarantee application information transmitted by a customer terminal, determining customer information according to the letter of guarantee application information; determining customer credit information corresponding to the customer information according to the customer information; determining whether the letter of guarantee application information is approved according to the customer credit information, and if approved, generating an electronic letter of guarantee and related information of the letter of guarantee; A transaction management module, used to determine the target electronic letter of guarantee based on the received letter of guarantee payment request and the letter of guarantee related information, complete the transaction to obtain the transaction result, and transmit the transaction result to other nodes of the blockchain; The transaction management module is further used to determine the guarantee information of the target electronic letter of guarantee according to the guarantee payment request; determine the guarantee location information corresponding to the guarantee information from the guarantee related information according to the guarantee information; obtain the corresponding target electronic letter of guarantee according to the guarantee location information, verify the guarantee payment request according to the target electronic letter of guarantee, and if the verification passes, complete the transaction according to the guarantee payment request; The supervision node is configured to: receive guarantee letter circulation information; determine whether there is any abnormality in the guarantee letter circulation information, and if there is any abnormality, feedback the abnormal information to the supervisor.

5. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 3 is implemented.

6. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 3 is implemented.

7. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 3 is implemented.

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