Method and system for managing fund transactions, and electronic device

Abstract

The present application discloses a method and system for managing fund transactions, and an electronic device. The method includes: an asset management platform obtains fund transaction data, wherein the fund transaction data includes data obtained by the fund transaction parties of the financing project using the first fund account private key and the second fund account private key to sign the data generated by each party during the execution of the fund transaction; the asset management platform initiates a verification service request to the blockchain system to call a smart contract, wherein the verification service request includes the fund transaction data; the blockchain system responds to the verification service request, executes the smart contract based on the fund transaction data, and verifies the authenticity of the fund transaction data using the first fund account public key and the second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a method and system for managing fund transactions, and an electronic device. Background Art

[0002] In the process of asset management, from asset formation to asset continuation and finally to asset settlement, the entire capital flow has always been the top priority for all parties. If the entire capital flow is made transparent and credible, it can not only reduce the cost of capital management, but also ensure the value of assets. Therefore, how to make the entire capital flow transparent and credible is an important issue in asset management. Summary of the invention

[0003] In view of this, the present application provides a method and system for managing fund transactions, and an electronic device, which can make the entire fund flow transparent and reliable, thereby reducing fund management costs and ensuring asset value.

[0004] In a first aspect, a method for managing fund transactions is provided, comprising: an asset management platform obtains fund transaction data, wherein the fund transaction data includes data obtained by two parties to the fund transaction of a financing project using a first fund account private key and a second fund account private key to sign data generated by each party during the execution of the fund transaction; the asset management platform initiates a verification service request for calling a smart contract to a blockchain system, wherein the verification service request includes the fund transaction data; the blockchain system responds to the verification service request, executes the smart contract based on the fund transaction data, so as to verify the authenticity of the fund transaction data using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key.

[0005] In a second aspect, a system for managing fund transactions is provided, including: an acquisition module, configured for an asset management platform to acquire fund transaction data, wherein the fund transaction data includes data obtained by the two parties to the fund transaction of a financing project using a first fund account private key and a second fund account private key to sign data generated by each other during the execution of the fund transaction; a request module, configured for the asset management platform to initiate a verification service request for calling a smart contract to a blockchain system, wherein the verification service request includes the fund transaction data; a verification module, configured for the blockchain system to respond to the verification service request, execute the smart contract based on the fund transaction data, so as to verify the authenticity of the fund transaction data using the first fund account public key and the second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key.

[0006] According to a third aspect, an electronic device is provided, comprising a memory and a processor, wherein the memory stores executable code, and the processor is configured to execute the executable code to implement the method according to the first aspect.

[0007] According to a fourth aspect, a computer-readable storage medium is provided, on which an executable code is stored. When the executable code is executed, the method according to the first aspect can be implemented.

[0008] According to a fifth aspect, a computer program product is provided, comprising an executable code, which, when executed, can implement the method according to the first aspect.

[0009] The embodiment of the present application establishes an asset management platform between the participants of the financing project, and uses blockchain technology and asymmetric encryption cryptography technology to verify the authenticity of the fund transactions between the participants through the asset management platform, so that in the process of fund transactions, the entire fund flow is transparent and reliable, thereby reducing fund management costs and ensuring asset value. In addition, the embodiment of the present application implements the authenticity verification of fund transactions based on blockchain technology and asymmetric encryption cryptography technology, which can not only verify the identity of the participants of the financing project to ensure the integrity of the fund transaction data, but also ensure that the participants of the financing project cannot deny the fund transaction data they submitted afterwards, so as to solve the transparency and credibility issues of fund transaction data. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] Figure 1 An example diagram of a system framework provided for an embodiment of the present application.

[0011] Figure 2 A flowchart of a method for managing fund transactions provided in one embodiment of the present application.

[0012] Figure 3 A flowchart of a method for managing fund transactions provided in another embodiment of the present application.

[0013] Figure 4 A flowchart of a method for managing fund transactions provided in yet another embodiment of the present application.

[0014] Figure 5 A flowchart of a method for managing fund transactions provided in yet another embodiment of the present application.

[0015] Figure 6 A flowchart of a method for managing fund transactions provided in yet another embodiment of the present application.

[0016] Figure 7 A block diagram of a system for managing financial transactions provided for one embodiment of the present application.

[0017] Figure 8 A block diagram of an electronic device provided for one embodiment of the present application. DETAILED DESCRIPTION

[0018] The exemplary embodiments will be described in detail below, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are only examples of devices and methods consistent with some aspects of the present application as detailed in the attached claims.

[0019] The terms used in this application are only for the purpose of describing specific embodiments, and are not intended to limit the application. The singular forms of "a", "said" and "the" used in this application and the appended claims are also intended to include plural forms, unless other meanings are clearly indicated below. It should also be understood that the term "and / or" used in this article refers to and includes any or all possible combinations of one or more associated listed items. It should also be understood that the word "if" used in this article, depending on the context, can be interpreted as "at the time of" or "when" or "in response to determining".

[0020] In the asset management process, the entire capital flow involves multiple transaction parties, such as the original beneficiaries, managers or investors. How to make the entire process transparent and credible, so as to reduce the cost of capital management and ensure the value of assets, is an important issue in asset management. This is related to whether the original beneficiaries can get the expected loans and whether the investors can get the expected returns.

[0021] For example, in the case of a trust plan fund repayment transaction, the original beneficiary transfers the repayment funds from the repayment account to the trust supervision account. The trust manager needs to confirm the repayment funds with the supervision bank, and then transfer the funds from the supervision account to the trust collection account, and then transfer the funds to the investor after a certain period of time. However, the entire process is costly for the trust manager in terms of management and communication, and for the investor, apart from the investment income obtained at the end, the investor cannot know whether there is a trust crisis in the series of fund flows in the middle.

[0022] In order to solve the above problems, the embodiment of the present application establishes an asset management platform between the original rights holders, managers and investors among the participants of the financing project, so as to verify the authenticity of the fund transactions between the original rights holders, managers and investors through the asset management platform by using blockchain technology and asymmetric encryption cryptography technology, so that in the process of fund transactions, the entire fund flow is transparent and reliable, thereby reducing the cost of fund management and ensuring the value of assets. In this way, the management and communication costs of the trust manager are reduced, and the trust crisis caused by the inability of investors to know the series of fund flows in the middle is avoided.

[0023] In addition, the embodiment of the present application realizes the authenticity verification of fund transactions based on blockchain technology and asymmetric encryption cryptography technology, which can not only verify the identity of the participants of the financing project to ensure the integrity of the fund transaction data, but also ensure that the participants of the financing project cannot deny the fund transaction data they submitted afterwards, so as to solve the transparency and credibility problems of the fund transaction data.

[0024] Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computing devices jointly participate in "bookkeeping" and jointly maintain a complete distributed database. Blockchain technology has been widely used in many fields because of its decentralized, open and transparent characteristics, each computing device can participate in database records, and data can be quickly synchronized between computing devices.

[0025] Blockchain can provide the function of smart contracts. Smart contracts on the blockchain system are contracts that can be triggered and executed by transactions on the blockchain system. Smart contracts can be defined in the form of code. For example, smart contracts deployed on the blockchain system can be in the form of bytecode.

[0026] After a transaction containing information about creating a smart contract is sent to the Ethereum network, each node can execute the transaction in the Ethereum virtual machine. Specifically, developers use smart contract programming languages ​​(such as Solidity) to write smart contracts, which are compiled by a compiler to generate Ethereum virtual machine bytecode that can be deployed on the blockchain system. When the nodes reach an agreement through a consensus mechanism, the Ethereum virtual machine bytecode is stored on the Ethereum blockchain, that is, the smart contract is sent to all devices connected to the Ethereum network, and the smart contract is successfully created.

[0027] When a user in the Ethereum network calls the smart contract, a "transaction" is sent directly to the address of the smart contract, and the function name and parameters of the call are declared, so that the smart contract executes the corresponding logic.

[0028] In an embodiment of the present application, one financing project corresponds to one smart contract, and the funding account information will be different for different financing projects, that is, the public key of the first funding account in one financing project is different from the public key of the first funding account in another financing project, and the public key of the second funding account in one financing project is different from the public key of the second funding account in another financing project.

[0029] The parameters required to call the smart contract (for example, the first funding account public key and the second funding account public key) will be stored in the blockchain system in the form of state variables of the smart contract. Therefore, smart contracts with different state variables will be deployed in the blockchain system.

[0030] Asymmetric encryption refers to the use of two different keys for encryption and decryption, a public key (publickey, referred to as the public key) and a private key (privatekey, referred to as the private key). Information encrypted by the public key can only be decrypted by the corresponding private key. Conversely, information encrypted by the private key can only be decrypted by the corresponding public key. In the embodiment of the present application, the private key is used to sign the data, and then the corresponding public key is used to verify the authenticity of the signed data.

[0031] Combine the following Figure 1 , a more detailed example is given of the system framework for managing fund transactions provided in the embodiments of the present application.

[0032] like Figure 1 As shown, the system for managing fund transactions provided by an embodiment of the present application may include an asset management platform 110, an enterprise platform 120, a regulatory bank 130, and a blockchain system 140.

[0033] The asset management platform 110 may be an external server relative to the blockchain system 140, and it may interact with the blockchain system 140 for data. The embodiment of the present application does not specifically limit this. The asset management platform 110 may also be a platform based on the blockchain system 140, and it exists as a blockchain node of the blockchain system 140. The asset management platform 110 may obtain relevant data from the blockchain system 140, and may also store relevant data on the blockchain system 140.

[0034] The asset management platform 110 can connect with the original equity holders, managers and investors. The original equity holders, managers or investors access the asset management platform 110 through the webpage provided by the asset management platform 110 and / or through the client.

[0035] For example, the original equity holder and the manager register and create a financing project on the asset management platform 110 as a financial asset. Specifically, the original equity holder initiates a financing application for the financing project on the asset management platform 110, and uploads the funding plan for the financing project, such as a repayment plan or a repayment plan. The manager reviews the financing application on the asset management platform 110. After the review is passed, the asset management platform 110 creates the financing project. The manager uploads the funding account information of the financing project on the asset management platform 110, including the first funding account public key and the second funding account public key. In addition, the manager can also upload the funding plan for the financing project, such as a loan plan.

[0036] For another example, an investor may initiate a query request for transaction details of the financing project on the asset management platform 110. In response to the query request, the asset management platform 110 obtains the transaction details of the verified fund transaction data from the blockchain system 140 and sends the transaction details to the investor.

[0037] For another example, the asset management platform 110 can monitor the transaction details of the verified fund transaction data stored on the blockchain system 140, and when there are fund anomalies in the transaction details, send a reminder message of fund anomaly notification to the manager.

[0038] In some embodiments, the asset management platform 110 uploads the fund account information (i.e., the first fund account public key and the second fund account public key) to the blockchain system 140. In other embodiments, the original equity holder, the manager and the investor can open corresponding on-chain accounts on the blockchain system 140 through the asset management platform 110. For example, the manager can open a manager on-chain account on the blockchain system 140, and the manager uploads the fund account information (i.e., the first fund account public key and the second fund account public key) on the asset management platform 110 to the blockchain system 140 through the manager on-chain account.

[0039] The first capital account public key and the second capital account public key are stored in the blockchain system 140 in the form of state variables in the smart contract, and the blockchain system 140 generates a smart contract based on the first capital account public key and the second capital account public key. Therefore, only the manager can operate the smart contract of the financing project, that is, modify the first capital account public key and the second capital account public key in the smart contract.

[0040] The enterprise platform 120 and the regulatory bank 130 can serve as the two parties of the fund transaction of the financing project. The enterprise platform 120 refers to an application or server that provides fund transfer transaction services for use by the original equity holder, manager or investor to initiate the fund transfer transaction. The regulatory bank 130 serves as the execution subject of the fund transfer transaction to realize the fund transfer. The enterprise platform 120 can communicate with the asset management platform 110 and the regulatory bank 130.

[0041] For example, the original equity holder, manager or investor initiates a fund transaction operation on the enterprise platform 120. In response to the fund transaction operation, the enterprise platform 120 initiates a fund transaction transfer request, and uses the first fund account private key to digitally sign the fund transaction transfer request, and sends the signed fund transaction transfer request to the bank 130. The regulatory bank 130 uses the first fund account public key corresponding to the first fund account private key to verify the authenticity of the signed fund transaction transfer request, and after confirming that the signed fund transaction transfer request is a fund transfer transaction initiated by the enterprise platform 120, executes the fund transfer transaction and returns the fund transaction result corresponding to the fund transfer transaction, and uses the second fund account private key to digitally sign the fund transaction result. Then, the regulatory bank 130 sends the signed fund transaction result to the enterprise platform 120. When the enterprise platform 120 receives the signed fund transaction result sent by the regulatory bank 130, it can confirm that the fund transaction is successful. That is, only when the regulatory bank 130 returns the signed fund transaction result to the enterprise platform 120 can the fund transaction be confirmed to be successful. Finally, the enterprise platform 120 sends the signed fund transaction transfer request and the signed fund transaction result, ie, the fund transaction data in this application, to the asset management platform 110 .

[0042] After the asset management platform 110 receives the signed fund transaction transfer request and the signed fund transaction result sent by the enterprise platform 120, it initiates a verification service request for calling the smart contract to the blockchain system 140, so as to implement the verification service of the fund transaction through the smart contract on the blockchain system 140, that is, the authenticity of the fund transaction transfer request is verified using the first fund account public key stored on the blockchain system 140, and the authenticity of the fund transaction result is verified using the second fund account public key stored on the blockchain system 140. The verified fund transaction transfer request and the verified fund transaction result (that is, the verified fund transaction data) will be stored in the blockchain system 140.

[0043] In addition, the asset management platform 110 can monitor the funding plan of the financing project and determine whether the verified funding transaction data complies with the funding plan. When the verified funding transaction data does not comply with the funding plan, for example, when the verified funding transaction data does not comply with the collection or repayment plan, a reminder message of abnormal funding notification is sent to the original beneficiary. When the verified funding transaction data does not comply with the loan plan, a reminder message of abnormal funding notification is sent to the manager. Of course, when the verified funding transaction data does not comply with the loan plan, a reminder message of abnormal funding notification can also be sent directly to the investor.

[0044] According to the embodiment of the present application, through the open and transparent characteristics of the smart contract on the blockchain system, the recognition of the capital account information (i.e., the first capital account public key and the second capital account public key) by each participant is guaranteed, and at the same time, the digital signature feature is used to verify the authenticity of the capital transaction. The enterprise platform 120 uses the first capital account private key to digitally sign the capital transaction transfer request, and the signed capital transaction transfer request can be verified by the first capital account public key stored on the blockchain system 140, and the regulatory bank 130 uses the second capital account private key to digitally sign the capital transaction result, and the signed capital transaction result can be verified by the second capital account public key stored on the blockchain system 140 (i.e., any data in the entire capital flow is tampered with, which will result in verification failure), which can increase the credibility of investors in the transaction details in the capital transaction data.

[0045] The verified fund transaction data will be stored on the blockchain system 140 for evidence storage. Since the verified fund transaction data is accompanied by the digital signatures of the enterprise platform 120 and the regulatory bank 130, the data on the blockchain system 140 is traceable and cannot be tampered with. As long as the digital signature verification is passed, it means that the verified fund transaction data is the original data confirmed by the enterprise platform 120 and the regulatory bank 130, thereby reducing the management and communication costs of the manager. Through the smart contract combined with the on-chain verification function of the fund transaction data, it is ensured that the verified fund transaction data on the blockchain system 140 is accompanied by identity verification information, while ensuring the integrity and non-repudiation characteristics of the verified fund transaction data.

[0046] Combination of the above Figure 1 , the system for managing fund transactions provided in the embodiment of the present application is described in detail with examples. Figures 2 to 6 The method for managing fund transactions mentioned in the embodiments of the present application is introduced in detail.

[0047] Figure 2 FIG. 1 is a flow chart of a method for managing fund transactions provided by an embodiment of the present application. Figure 2 As shown, the method includes the following steps.

[0048] In step S210, the asset management platform obtains fund transaction data, which includes data obtained by signing the data generated by the two parties to the fund transaction of the financing project using the first fund account private key and the second fund account private key respectively during the fund transaction.

[0049] In some embodiments, the two parties of the fund transaction may be the enterprise platform 120 and the regulatory bank 130. Figure 1 In the manner shown, data is digitally signed for each data generated during the execution of the fund transaction, that is, the enterprise platform 120 uses the first fund account private key to digitally sign the fund transaction transfer request, and the regulatory bank 130 uses the second fund account private key to digitally sign the fund transaction result generated by the execution of the fund transaction transfer request.

[0050] Therefore, the fund transaction data includes the fund transaction transfer request and the fund transaction result. The asset management platform 110 can communicate with the enterprise platform 120 and the regulatory bank 130 to obtain the fund transaction transfer request and the fund transaction result, or can communicate with the enterprise platform 120 and the regulatory bank 130 to obtain the fund transaction transfer request and the fund transaction result. Figure 1 In the manner shown, the enterprise platform 120 communicates with the regulatory bank 130. After the enterprise platform 120 obtains the fund transaction result, the asset management platform 110 communicates with the enterprise platform 120 again to obtain the fund transaction transfer request and the fund transaction result.

[0051] In other embodiments, the two parties of the fund transaction may also refer to the asset management platform 110 and the regulatory bank 130. At this time, the original equity holder, manager or investor initiates a fund transaction operation on the asset management platform 110. The asset management platform 110 responds to the fund transaction operation and initiates a fund transaction transfer request. The asset management platform 110 uses the private key of the first fund account to digitally sign the fund transaction transfer request. At this time, the asset management platform 110 directly communicates with the regulatory bank 130 to send the signed fund transaction transfer request to the regulatory bank 130, and the regulatory bank 130 then sends the signed fund transaction transfer request to the regulatory bank 130. Figure 1 In the manner shown, the second fund account private key is used to perform a digital signature on the fund transaction result generated by executing the fund transaction transfer request.

[0052] Therefore, the asset management platform 110 can obtain the fund transaction results from the regulatory bank 130 on the one hand, and obtain the fund transaction data through the fund transaction transfer requests generated by itself on the other hand.

[0053] Of course, the electronic devices used by the participants in the financing project can individually serve as blockchain nodes on the blockchain system 140, which directly communicate with the regulatory bank 130 to obtain the signed financial transaction results.

[0054] However, it should be noted that the embodiment of the present application does not specifically limit the method for obtaining financial transaction data, and those skilled in the art may make different choices based on actual needs.

[0055] The participants of a financing project may be the original equity holder, manager or investor. The capital transaction of a financing project may be, for example, a transfer transaction for a manager to make a loan, or a transfer transaction for an original equity holder to collect or repay a loan. In other words, the type of capital transaction of a financing project may vary with the different participants, resulting in different capital transaction data.

[0056] In step S220, the asset management platform initiates a verification service request to the blockchain system to call the smart contract. The verification service request includes the fund transaction data, that is, when the asset management platform 110 requests the blockchain system 140 to call the smart contract, it also uploads the fund transaction data to the blockchain system 140, so that the blockchain system 140 executes the smart contract based on the fund transaction data, thereby completing the authenticity verification of the fund transaction data on the chain.

[0057] For different financing projects, the smart contracts on the blockchain system 140 are also different. In other words, for different financing projects, the smart contracts on the blockchain system 140 called are also different.

[0058] In step S230, the blockchain system executes the smart contract based on the fund transaction data in response to the verification service request to verify the authenticity of the fund transaction data using the first fund account public key and the second fund account public key stored on the blockchain system. The first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key.

[0059] After receiving the verification service request, the blockchain system 140 executes the smart contract in response to the verification service request. That is, in the process of executing the smart contract based on the funds transaction data, the authenticity of the funds transaction transfer request in the funds transaction data is verified using the first funds account public key, and the authenticity of the funds transaction result in the funds transaction data is verified using the second funds account public key.

[0060] That is to say, during the existence of financing assets, when there is a change in funds, the asset management platform 110 can submit the fund transaction data to the blockchain system 140, and the blockchain system 140 uses the smart contracts thereon to verify the authenticity of the fund transaction data.

[0061] The embodiments of the present application utilize the cryptographic properties of asymmetric encryption and the publicity and immutability of blockchain smart contracts to verify the identities of the participants in the financing project during the asset management process to ensure the integrity of the fund transaction data, while ensuring that the participants in the financing project cannot deny the fund transaction data they submitted afterwards, so as to solve the transparency and credibility issues of the fund transaction data.

[0062] In addition, the embodiment of the present application maintains the capital account of the financial asset and its corresponding capital account information through the smart contract on the blockchain system, and realizes the authenticity verification function of the capital transaction data obtained after the data is signed by the capital account private key. Only when both parties to the capital transaction have the first capital account private key and the second capital account private key, through cryptography, using the first capital account public key and the second capital account public key, the authenticity of the capital transaction transfer request and the capital transaction result can be verified respectively, which can prove that the capital transaction data of this capital transaction has not been tampered with, and that both parties to the capital transaction recognize the capital transaction data of this capital transaction.

[0063] In some embodiments of the present application, Figure 3 As shown, the method for managing fund transactions provided in the embodiment of the present application also includes the following steps.

[0064] In step S310, the asset management platform receives a financing application for a financing project initiated by an original equity holder among the participants of the financing project. The original equity holder can access the asset management platform 110 through a webpage provided by the asset management platform 110 and / or through a client. The original equity holder initiates a financing application for the financing project on the asset management platform 110 and uploads a funding plan for the financing project, such as a repayment plan or a collection plan.

[0065] In step S320, after the manager among the participants of the financing project has reviewed and approved the financing application, the asset management platform creates a financing project and receives the fund account information determined by the manager for the financing project.

[0066] The manager may also access the asset management platform 110 through the web page provided by the asset management platform 110 and / or through the client. The manager reviews the financing application on the asset management platform 110. After the review is passed, the asset management platform 110 creates the financing project and uploads the funding account information of the financing project (the first funding account public key and the second funding account public key) to the asset management platform 110.

[0067] In step S330, the blockchain system generates a smart contract based on the first funding account public key and the second funding account public key on the asset management platform.

[0068] In some embodiments, the asset management platform 110 directly uploads the fund account information to the blockchain system 140, and the blockchain system 140 generates a smart contract based on the fund account information. In other embodiments, the manager can open a manager's on-chain account on the blockchain system 140 through the asset management platform 110, so that the manager can upload the fund account information on the asset management platform 110 to the blockchain system 140 through the manager's on-chain account, and the blockchain system 140 generates a smart contract based on the fund account information.

[0069] The first funding account public key and the second funding account public key may be stored on the blockchain system 140 in the form of state variables of the smart contract.

[0070] In some embodiments, when the first funding account public key and the second funding account public key are directly stored on the blockchain system 140, the first funding account public key and the second funding account public key are read from the blockchain system 140 to execute a smart contract based on the funding transaction data.

[0071] In other embodiments, when the first capital account public key and the second capital account public key are stored in the smart contract of the blockchain system 140, the smart contract is executed directly based on the first capital account public key, the second capital account public key and the capital transaction data. In this way, the first capital account public key and the second capital account public key of different financing projects can be independently stored in the corresponding smart contracts to avoid misreading when different smart contracts read the first capital account public key and the second capital account public key on the blockchain system 140.

[0072] The code rules of the smart contract are open to everyone, and only the manager's on-chain account can operate the smart contract. The manager can publicize the smart contract to investors. Since the smart contract on the blockchain system is open, transparent and cannot be tampered with, the risk of the manager's malicious behavior is reduced, thereby improving the credibility of the financing project.

[0073] In some embodiments of the present application, Figure 4 As shown, the method for managing fund transactions provided in the embodiment of the present application also includes the following steps.

[0074] In step S410, the asset management platform obtains the funding plan of the financing project. When the participating party is an investor or manager, the funding plan is the loan plan of the financing project; or when the participating party is the original equity holder, the funding plan is the repayment plan or collection plan of the financing project.

[0075] However, it should be noted that the embodiments of the present application do not specifically limit the specific type of the funding plan, and the type of funding plan varies with different funding transactions.

[0076] In step S420, after the asset management platform obtains the verified fund transaction data from the blockchain system, it determines whether the verified fund transaction data complies with the fund plan to determine whether the participants of the financing project have completed the fund transaction on schedule. For example, through the fund transaction data, it can be known that the total amount of this fund transaction is 100,000 yuan, and the fund plan is that the total amount of each fund transaction is 200,000 yuan, which means that the participants of the financing project have not completed the fund transaction on schedule; and the fund plan is that the total amount of each fund transaction is 50,000 yuan, which means that the participants of the financing project have completed the fund transaction on schedule.

[0077] Of course, when the participating parties do not initiate a fund transaction transfer request, there will be no fund transaction data. At this time, the asset management platform 110 can also monitor the funding plan of the financing project. If the fund transaction data is still not obtained within the specified period, it means that the participating parties of the financing project have not completed the fund transaction on time.

[0078] In step S430, when a participant in the financing project fails to complete the fund transaction on time, the asset management platform sends a reminder message to the participant in the financing project. If the fund plan determines that the participant fails to complete the fund transaction on time, the asset management platform 110 can send a reminder message to the participant by email.

[0079] However, it should be noted that the embodiment of the present application does not specifically limit the specific implementation method of the asset management platform 110 sending reminder messages to the participants, and a pop-up window of the reminder message can also be pushed on the web page and / or client provided by the asset management platform 110.

[0080] In some embodiments of the present application, Figure 5 As shown, the method for managing fund transactions provided in the embodiment of the present application also includes the following steps.

[0081] In step S510, the asset management platform receives a query request for transaction details of the financing project submitted by a participant in the financing project. For example, when the capital transaction is a transfer transaction in which the manager or investor makes a capital loan to the original equity holder, the participant in the financing project may be the original equity holder, and the query request for transaction details is the transaction details of the transfer transaction in which the capital loan is made; when the capital transaction is a transfer transaction in which the original equity holder makes a capital return or repayment to the manager or investor, the participant in the financing project may be the manager or investor, and the query request for transaction details is the transaction details of the transfer transaction in which the capital return or repayment is made.

[0082] In step S520, the asset management platform responds to the query request and obtains the transaction details of the verified fund transaction data from the blockchain system for viewing by the participating parties.

[0083] In some embodiments, the blockchain system 140 uses the smart contract thereon to verify the authenticity of the financial transaction data, and can store the verified financial transaction data on the blockchain system 140.

[0084] In some embodiments, after the asset management platform 110 receives a query request for transaction details, in response to the query request, the asset management platform 110 can read the transaction details of the verified fund transaction data stored on the blockchain system 140, and send the transaction details to the participants. Therefore, the participants can view the transaction details on the blockchain system 140 through the asset management platform 110, and through the characteristics of the blockchain system 140, the authenticity and credibility of the transaction details of the verified fund transaction data on the blockchain system 140 is ensured.

[0085] In some embodiments of the present application, Figure 6 As shown, the method for verifying the authenticity of fund transactions provided in the embodiment of the present application also includes the following steps.

[0086] In step S610, the asset management platform monitors the transaction details of the verified fund transaction data on the blockchain system. In addition to obtaining the transaction details from the blockchain system 140 in response to the query request for the transaction details, the asset management platform 110 can also monitor the transaction details of the verified fund transaction data stored on the blockchain system 140.

[0087] In step S620, when there is a fund anomaly in the transaction details, the asset management platform sends an abnormality reminder message to the participants of the financing project. For example, when the total amount of the transaction details is too small (for example, only a few cents), it means that there is a fund anomaly in the transaction details, because this does not conform to the fund plan of the financing project. At this time, the asset management platform 110 can send an abnormality reminder message to the participants by email.

[0088] However, it should be noted that the embodiment of the present application does not specifically limit the specific implementation method of the asset management platform 110 sending abnormal reminder messages to the participants, and a pop-up window of the abnormal reminder message can also be pushed on the web page and / or client provided by the asset management platform 110.

[0089] In addition, the embodiments of the present application do not limit the specific types of fund anomalies, and may also be other anomalies, for example, the total amount of transaction details is too high (for example, several million).

[0090] Therefore, by monitoring the transaction details on the blockchain system 140, the asset management platform 110 can promptly issue warnings to relevant participants when abnormal funds occur during the asset management process.

[0091] Combination of the above Figures 1 to 6 , describes the method embodiment of the present application in detail, and the following is combined with Figure 7 , describes in detail the system embodiment of the present application. It should be understood that the description of the method embodiment corresponds to the description of the system embodiment, so the parts not described in detail can refer to the previous method embodiment.

[0092] Figure 7 FIG. 1 is a block diagram of a system for managing fund transactions provided by an embodiment of the present application. Figure 7 As shown, the system 700 may include an acquisition module 710, a request module 720, and a verification module 730. These modules are described in detail below.

[0093] The acquisition module 710 is configured to acquire fund transaction data for the asset management platform, wherein the fund transaction data includes data obtained by the two parties to the fund transaction of the financing project using the first fund account private key and the second fund account private key to sign the data generated by each party during the execution of the fund transaction.

[0094] The request module 720 is configured as an asset management platform to initiate a verification service request for calling a smart contract to the blockchain system, wherein the verification service request includes fund transaction data.

[0095] The verification module 730 is configured as a blockchain system that responds to a verification service request and executes a smart contract based on the funds transaction data to verify the authenticity of the funds transaction data using a first funds account public key and a second funds account public key stored on the blockchain system, wherein the first funds account public key corresponds to the first funds account private key, and the second funds account private key corresponds to the second funds account private key.

[0096] The embodiments of the present application utilize the cryptographic properties of asymmetric encryption and the publicity and immutability of blockchain smart contracts to verify the identities of the participants in the financing project during the asset management process to ensure the integrity of the fund transaction data, while ensuring that the participants in the financing project cannot deny the fund transaction data they submitted afterwards, so as to solve the transparency and credibility issues of the fund transaction data.

[0097] Optionally, as another embodiment, the system 700 may further include: a first receiving module, configured for the asset management platform to receive a financing application for a financing project initiated by an original beneficiary among the participants of the financing project; a creation module, configured for the asset management platform to create a financing project after the manager among the participants of the financing project has reviewed and approved the financing application, and receive the fund account information determined by the manager for the financing project, wherein the fund account information includes a first fund account public key and a second fund account public key; a generation module, configured for the blockchain system to generate a smart contract based on the first fund account public key and the second fund account public key on the asset management platform.

[0098] Optionally, as another embodiment, the funds transaction data includes a funds transaction transfer request and a funds transaction result. When the verification module 730 uses the first funds account public key and the second funds account public key stored on the blockchain system to verify the authenticity of the funds transaction data, the verification module is further configured to use the first funds account public key to verify the authenticity of the funds transaction transfer request; and use the second funds account public key to verify the authenticity of the funds transaction result.

[0099] Optionally, as another embodiment, the fund transaction data includes a fund transaction transfer request and a fund transaction result, and the two parties to the fund transaction include an enterprise platform and a regulatory bank. The system 700 also includes: a first signature module, configured for the enterprise platform to use a first fund account private key to digitally sign the fund transaction transfer request, wherein the fund transaction transfer request is initiated by a participant of the financing project on the enterprise platform, and the participant includes any one of an investor, a manager, and an original beneficiary; a second signature module, configured for the regulatory bank to use a second fund account private key to digitally sign the fund transaction result generated by executing the fund transaction transfer request.

[0100] Optionally, as another embodiment, the acquisition module 710 is further configured so that the asset management platform receives the signed fund transaction transfer request sent by the enterprise platform; the asset management platform receives the signed fund transaction result sent by the regulatory bank.

[0101] Optionally, as another embodiment, the system 700 further includes: a second receiving module, configured for the enterprise platform to receive the signed fund transaction result sent by the regulatory bank.

[0102] Optionally, as another embodiment, the acquisition module 710 is further configured so that the asset management platform receives the signed fund transaction transfer request and the signed fund transaction result sent by the enterprise platform.

[0103] Optionally, as another embodiment, the fund transaction data includes a fund transaction transfer request and a fund transaction result, the two parties to the fund transaction include the asset management platform and the regulatory bank, and the system 700 also includes: a second signature module, configured for the regulatory bank to use the second fund account private key to digitally sign the fund transaction result generated by executing the fund transaction transfer request.

[0104] Optionally, as another embodiment, the acquisition module 710 is further configured for the asset management platform to receive a fund transaction transfer request initiated by a participant in the financing project, and to use the first fund account private key to digitally sign the fund transaction transfer request, wherein the participant includes any one of an investor, a manager, and an original beneficiary; the asset management platform receives the signed fund transaction result sent by the regulatory bank.

[0105] Optionally, as another embodiment, the system 700 further includes: a first acquisition module, configured for the asset management platform to acquire a funding plan for a financing project; a judgment module, configured for the asset management platform to determine whether the verified funding transaction data complies with the funding plan after acquiring the verified funding transaction data from the blockchain system, so as to determine whether the parties to the financing project complete the funding transaction on schedule; and a sending module, configured for the asset management platform to send a reminder message to the parties to the financing project when the parties to the financing project fail to complete the funding transaction on schedule.

[0106] According to an embodiment of the present application, when the participating party is an investor or a manager, the funding plan is a loan plan for the financing project; or, when the participating party is an original equity holder, the funding plan is a repayment plan or a collection plan for the financing project.

[0107] Optionally, as another embodiment, the system 700 may further include: a third receiving module, configured for the asset management platform to receive a query request for transaction details of a financing project submitted by a participant of the financing project; and a second acquisition module, configured for the asset management platform to respond to the query request and obtain transaction details of the verified fund transaction data from the blockchain system for the participant to view.

[0108] Optionally, as another embodiment, the system 700 further includes: a monitoring module, configured for the asset management platform to monitor the transaction details of the verified fund transaction data on the blockchain system; and a resending module, configured for the asset management platform to send an abnormal reminder message to the participants of the financing project when funds abnormality appears in the transaction details.

[0109] Figure 8 It is a block diagram of an electronic device provided by an embodiment of the present application. Figure 8 The device 800 shown may be any network node capable of executing the method for managing fund transactions. The device 800 may be, for example, a computing device with computing functions. For example, the device 800 may be a mobile terminal or a server. The device 800 may include a memory 810 and a processor 820. The memory 810 may be used to store executable code. The processor 820 may be used to execute the executable code stored in the memory 810 to implement the steps in the various methods described above. In some embodiments, the device 800 may also include a network interface 830, and data exchange between the processor 820 and an external device may be implemented through the network interface 830.

[0110] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any other combination. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loading and executing computer program instructions on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network or other programmable devices. The computer instructions can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from a website site, a computer, a server or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (Digital Subscriber Line, DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, server or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server, a data center, etc. that contains one or more available media integrations. The available media may be magnetic media (eg, floppy disks, hard disks, magnetic tapes), optical media (eg, digital video discs (DVD)), or semiconductor media (eg, solid state disks (SSD)).

[0111] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments of the present application can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0112] In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0113] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0114] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0115] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A method for managing fund transactions, include: The asset management platform obtains fund transaction data, wherein the fund transaction data includes data obtained by signing data generated by the two parties to the fund transaction of the financing project respectively using the first fund account private key and the second fund account private key during the execution of the fund transaction; The asset management platform initiates a verification service request for invoking a smart contract to the blockchain system, wherein the verification service request includes the fund transaction data; The blockchain system executes the smart contract based on the fund transaction data in response to the verification service request to verify the authenticity of the fund transaction data using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key, The fund transaction data includes fund transaction transfer requests and fund transaction results, and the two parties to the fund transaction include the enterprise platform and the regulatory bank. The method further comprises: The enterprise platform uses the first capital account private key to perform a digital signature on the capital transaction transfer request, wherein the capital transaction transfer request is initiated by a participant of the financing project on the enterprise platform, and the participant includes any one of an investor, a manager, and an original equity holder; The regulatory bank uses the second capital account private key to digitally sign the capital transaction result generated by executing the capital transaction transfer request.

2. The method according to claim 1, further comprising: include: The asset management platform receives a financing application for the financing project initiated by an original equity holder among the participants of the financing project; After the manager among the participants of the financing project has reviewed and approved the financing application, the asset management platform creates the financing project and receives the fund account information determined by the manager for the financing project, wherein the fund account information includes the first fund account public key and the second fund account public key; The blockchain system generates the smart contract based on the first funding account public key and the second funding account public key on the asset management platform.

3. The method according to claim 1, wherein the authenticity of the fund transaction data is verified by using the first fund account public key and the second fund account public key stored in the blockchain system. include: Using the first capital account public key to verify the authenticity of the capital transaction transfer request; The authenticity of the fund transaction result is verified using the second fund account public key.

4. According to the method of claim 1, the asset management platform obtains fund transaction data, include: The asset management platform receives the signed fund transaction transfer request sent by the enterprise platform; The asset management platform receives the signed fund transaction result sent by the regulatory bank.

5. The method according to claim 1, further comprising: include: The enterprise platform receives the signed fund transaction result sent by the regulatory bank, The asset management platform obtains fund transaction data, including: The asset management platform receives the signed fund transaction transfer request and the signed fund transaction result sent by the enterprise platform.

6. The method according to any one of claims 1 to 5, further comprising: include: The asset management platform obtains the funding plan of the financing project; After the asset management platform obtains the verified fund transaction data from the blockchain system, it determines whether the verified fund transaction data complies with the fund plan to determine whether the participants of the financing project have completed the fund transaction on schedule; When the participant fails to complete the fund transaction on time, the asset management platform sends a reminder message to the participant.

7. According to the method of claim 6, when the participant is an investor or a manager, the funding plan is a loan plan for the financing project; or, when the participant is an original beneficiary, the funding plan is a repayment plan or a collection plan for the financing project.

8. The method according to any one of claims 1 to 5, further comprising: include: The asset management platform receives a query request for transaction details of the financing project submitted by a participant of the financing project; In response to the query request, the asset management platform obtains the transaction details of the verified fund transaction data from the blockchain system for the participant to view.

9. The method according to any one of claims 1 to 5, further comprising: include: The asset management platform monitors the transaction details of the verified fund transaction data on the blockchain system; When funds abnormality appears in the transaction details, the asset management platform sends an abnormality reminder message to the participants of the financing project.

10. A system for managing fund transactions, include: An acquisition module is configured to acquire fund transaction data for the asset management platform, wherein the fund transaction data includes data obtained by signing data generated by the two parties to the fund transaction of the financing project using the first fund account private key and the second fund account private key respectively during the execution of the fund transaction; A request module, configured for the asset management platform to initiate a verification service request for invoking a smart contract to the blockchain system, wherein the verification service request includes the fund transaction data; a verification module configured so that the blockchain system responds to the verification service request and executes the smart contract based on the fund transaction data to verify the authenticity of the fund transaction data using a first fund account public key and a second fund account public key stored on the blockchain system, wherein the first fund account public key corresponds to the first fund account private key, and the second fund account private key corresponds to the second fund account private key, The fund transaction data includes fund transaction transfer requests and fund transaction results, and the two parties to the fund transaction include the enterprise platform and the regulatory bank. The system further comprises: A first signature module, configured for the enterprise platform to use the first capital account private key to perform a digital signature on the capital transaction transfer request, wherein the capital transaction transfer request is initiated by a participant of the financing project on the enterprise platform, and the participant includes any one of an investor, a manager, and an original equity holder; The second signature module is configured so that the regulatory bank uses the second capital account private key to digitally sign the capital transaction result generated by executing the capital transaction transfer request.

11. An electronic device, include: A memory and a processor, wherein the memory stores executable codes, and the processor is configured to execute the executable codes to implement the method according to any one of claims 1 to 9.

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