Blockchain-based annuity data processing method, device, equipment and medium

Abstract

The application relates to a blockchain-based annuity data processing method, device, equipment and medium. The method is applied to an annuity data processing platform. The method comprises the following steps: receiving a forbidden investment rule for a fund management node generated by a trusted node, and sending the forbidden investment rule to a blockchain platform node in a blockchain system; receiving information data sent by an information provider node, and sending the information data to the blockchain platform node in the blockchain system; receiving the forbidden investment rule and the information data sent by the blockchain platform node, and generating forbidden investment pool data by an intelligent contract based on the forbidden investment rule and the information data; receiving investment data sent by the blockchain platform node, and comparing the forbidden investment pool data with the investment data by the intelligent contract to generate a supervision result of the investment data. Through the on-chain processing of the data, the timeliness, accuracy and effectiveness of the forbidden investment supervision are greatly improved.

Description

Technical Field

[0001] This application relates to the field of blockchain technology, and in particular to a blockchain-based annuity data processing method, apparatus, device, and medium. Background Technology

[0002] Enterprise annuities are a supplementary pension system, referring to a supplementary pension insurance system established voluntarily by enterprises and their employees on the basis of legally participating in basic pension insurance. In my country at present, the operation of enterprise annuities generally involves enterprises entrusting trustees with full authority to manage investments. Enterprise annuity trustees have clearly defined responsibilities and obligations to supervise the scope of annuity asset investments in accordance with laws and regulations to ensure the compliance of annuity investment activities. Simultaneously, through meticulous management of the investment scope and specific investment products, they aim to mitigate risks and enhance returns.

[0003] Restricted investment management is an important aspect of the annuity trustee's refined management of the investment scope and investment products. The trustee is responsible for supervising and handling instances where the annuity asset manager exceeds the restricted investment limits. Exceeding the restricted investment limits refers to situations where the annuity investment plan / portfolio has holdings of securities (such as bonds, stocks, funds, pension products, non-standard products, etc.) that do not comply with the trustee's restricted investment management requirements.

[0004] However, while existing investment monitoring systems possess some basic data query and extraction functions to assist in the management of restricted and prohibited investments, they lack functional modules to match the closed-loop management of the entire process. For restricted and prohibited investment management, most of the work relies on offline manual operations, which are tedious and repetitive. The large volume of data daily significantly impacts processing timeliness and quality, resulting in low efficiency. Summary of the Invention

[0005] To overcome the problems existing in related technologies, this application provides a blockchain-based annuity data processing method, apparatus, device, and medium.

[0006] According to a first aspect of the embodiments of this application, a blockchain-based annuity data processing method is provided, applied to an annuity data processing platform, wherein the annuity data processing platform is deployed on each node of a blockchain system, and the nodes in the blockchain system include: trustee nodes, information provider nodes, blockchain platform nodes, and investment management nodes; the method includes:

[0007] Receive the restricted and prohibited investment rules generated by the entrusted node for the investment management node, and send the restricted and prohibited investment rules to the blockchain platform node in the blockchain system;

[0008] Receive information data sent by the information provider node, and send the information data to the blockchain platform node in the blockchain system;

[0009] Receive the restricted investment rules and information data sent by the blockchain platform node, and generate restricted investment pool data by using the restricted investment rules and information data through a smart contract;

[0010] The system receives investment data sent by the blockchain platform node, and compares the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data. The investment data is sent by the investment management node to the blockchain platform node.

[0011] Optionally, the smart contract generates restricted investment pool data from the restricted investment rules and the information data, including:

[0012] Based on the aforementioned restrictions on investment, extract the restrictions on investment data from the information data;

[0013] The restricted and prohibited investment data is stored in the restricted and prohibited investment pool to obtain the restricted and prohibited investment pool data.

[0014] Optionally, the restricted investment pool data includes one or more combinations of: security code, security name, security type, entry date, exit date, and entry method.

[0015] Optionally, the step of comparing the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data includes:

[0016] Extract portfolio transaction data from the investment data using smart contracts;

[0017] By matching the combined transaction data with the restricted investment pool data respectively, detailed data on the combined restricted investment exceeding the limit is generated at the investment management node;

[0018] The detailed data on prohibited, restricted, and excessive investments in the investment management nodes are determined as the regulatory result of the investment data.

[0019] Optionally, when the regulatory result is a warning, the method further includes:

[0020] Upon receiving the waiver request from the management node, the waiver request is sent to the entrusted node;

[0021] When the entrusted node receives the waiver request, it displays the waiver request on the corresponding function page so that it can receive the corresponding operation of the trustee on the function page;

[0022] Upon receiving the exemption processing operation performed by the trustee on the function page, the regulatory result of the exemption processing is sent to the blockchain platform node.

[0023] According to a second aspect of the embodiments of this application, a blockchain-based annuity data processing device is provided, applied to an annuity data processing platform, wherein the annuity data processing platform is deployed on each node of a blockchain system, and the nodes in the blockchain system include: trustee nodes, information provider nodes, blockchain platform nodes, and investment management nodes; the device includes:

[0024] The prohibited and restricted investment rule receiving module is used to receive the prohibited and restricted investment rules generated by the entrusted node for the investment management node, and send the prohibited and restricted investment rules to the blockchain platform node in the blockchain system;

[0025] The information data receiving module is used to receive information data sent by the information provider node and send the information data to the blockchain platform node in the blockchain system;

[0026] The restricted investment pool data generation module is used to receive the restricted investment rules and information data sent by the blockchain platform node, and generate restricted investment pool data through smart contracts using the restricted investment rules and information data.

[0027] The regulatory result generation module is used to receive investment data sent by the blockchain platform node, and compare the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data, wherein the investment data is sent by the investment management node to the blockchain platform node.

[0028] Optionally, the restricted / prohibited investment pool data generation module is specifically used for:

[0029] Based on the aforementioned restrictions on investment, extract the restrictions on investment data from the information data;

[0030] The restricted and prohibited investment data is stored in the restricted and prohibited investment pool to obtain the restricted and prohibited investment pool data.

[0031] Optionally, the restricted investment pool data includes one or more combinations of: security code, security name, security type, entry date, exit date, and entry method.

[0032] According to a third aspect of the embodiments of this application, an electronic device is provided, comprising:

[0033] processor;

[0034] Memory used to store processor-executable instructions;

[0035] The processor is configured to execute any of the blockchain-based annuity data processing methods described above.

[0036] A fourth aspect of this application provides a computer-readable storage medium that, when instructions in the storage medium are executed by a processor of a mobile terminal, enables the mobile terminal to execute the aforementioned blockchain-based annuity data processing method.

[0037] According to a fifth aspect of the embodiments of this application, an application / computer program product is provided that, when run on a computer, causes the computer to perform the steps of any of the blockchain-based annuity data processing methods described in the above embodiments.

[0038] The technical solutions provided by the embodiments of this application may include the following beneficial effects:

[0039] The blockchain-based annuity data processing method, system, electronic device, and storage medium provided in this application embodiment receive restricted investment rules generated by the trustee node for the investment management node and send these rules to the blockchain platform node in the blockchain system; receive information data sent by the information provider node and send it to the blockchain platform node in the blockchain system; receive restricted investment rules and information data sent by the blockchain platform node, and generate restricted investment pool data through a smart contract; receive investment data sent by the blockchain platform node, and compare the restricted investment pool data with the investment data through a smart contract to generate a regulatory result for the investment data. This application embodiment does not rely on the offline flow of data between institutions, nor does it rely on the custodian's self-built system for calculating and outputting data on excessive restricted investment by the investment management node. By putting all data on the blockchain and processing it, the timeliness, accuracy, and effectiveness of monitoring excessive restricted investment are greatly improved.

[0040] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and do not limit this application. Attached Figure Description

[0041] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0042] Figure 1 This is a flowchart illustrating a blockchain-based annuity data processing method according to an exemplary embodiment;

[0043] Figure 2 This is a schematic diagram illustrating a restricted or prohibited investment rule according to an exemplary embodiment;

[0044] Figure 3 This is a schematic diagram illustrating an application scenario according to an exemplary embodiment;

[0045] Figure 4This is a schematic diagram illustrating a blockchain-based annuity data processing apparatus according to an exemplary embodiment;

[0046] Figure 5 This is a block diagram illustrating an electronic device according to an exemplary embodiment. Detailed Implementation

[0047] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0048] Exemplary embodiments will now be described more fully with reference to the accompanying drawings. However, these exemplary embodiments can be implemented in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided to make this application more comprehensive and complete, and to fully convey the concept of the exemplary embodiments to those skilled in the art.

[0049] Furthermore, the described features, structures, or characteristics can be combined in any suitable manner in one or more embodiments. Numerous specific details are provided in the following description to give a thorough understanding of embodiments of this application. However, those skilled in the art will recognize that the technical solutions of this application can be practiced without one or more of the specific details, or other methods, components, apparatuses, steps, etc., can be employed. In other instances, well-known methods, apparatuses, implementations, or operations are not shown or described in detail to avoid obscuring various aspects of this application.

[0050] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities can be implemented in software, in one or more hardware modules or integrated circuits, or in different network and / or processor devices and / or microcontroller devices. The flowcharts shown in the accompanying drawings are merely illustrative and do not necessarily include all content and operations / steps, nor do they necessarily have to be performed in the described order. For example, some operations / steps can be decomposed, while others can be combined or partially combined; therefore, the actual execution order may change depending on the specific circumstances.

[0051] In this embodiment, the occupational annuity plan is managed through a trustee institution, a custodian institution, and an investment manager institution. Additionally, an agency can initiate the occupational annuity plan and oversee its implementation and processes. A trustee institution is an institution entrusted by an agency to manage the occupational annuity. A custodian institution is a bank or professional institution entrusted by a trustee institution to safeguard the occupational annuity. An investment manager institution is a professional institution entrusted by a trustee institution to manage the investment of the occupational annuity. It should be noted that each agency institution typically entrusts multiple trustees for a single occupational annuity plan, and each trustee institution typically entrusts multiple investment managers to manage its allocated occupational annuity funds for investment operations. For example, the agency institution could be the social security department, the trustee institution could be Trustee A, the custodian institution could be a bank, and the investment manager institution could be a fund management institution or a securities company.

[0052] Currently, the annuity investment restriction and prohibition management business is centered on the trustee, who typically needs to liaise with all investment management institutions (23) and all custodian institutions (11) in the entire market. Not only are there exchanges of documents and data between the trustee and the various investment management and custodian institutions, but also between the custodians and the investment management institutions themselves. Therefore, the information flow involved in the business process is a complex network interaction structure. In particular, offline interactions via email (WeChat, fax, etc.) are very cumbersome, labor-intensive, time-consuming, and prone to human error.

[0053] Furthermore, the restricted investment rules are typically in PDF or Excel format, containing unstructured data. After receiving these rules from the trustee, the information provider needs to manually parameterize and structure them before uploading them to their internal system for parsing. This process sometimes requires multiple offline communications with the trustee regarding specific interpretations of certain rules. Additionally, the restricted investment rules for investment portfolios can change based on market conditions, policy regulations, and the trustee's management objectives. In summary, once a rule change occurs, the trustee must revise the PDF file and send it back to the information provider, incurring significant offline manual communication and processing costs.

[0054] Information providers need to leverage their vast amounts of underlying market information data to generate restricted investment pool data based on the analyzed rules customized by the trustee. This restricted investment pool data is sent to the trustee as an Excel attachment via email before the market opens each trading day. It is then sent to the investment manager and custodian via email attachment or API. Upon receiving the restricted investment pool data, the trustee, investment manager, and custodian bank also need to process it, either manually offline or by maintaining it in their self-built systems.

[0055] Therefore, it is a necessary responsibility of the trustee to directly supervise and manage the investment custodian's excessive or prohibited investment activities. Simultaneously, the trustee also has the responsibility to supervise the investment custodian and promptly send the supervision results to the trustee. The trustee receives the results of the investment custodian's exceeding the permitted limits from the custodian and, combined with its own data analysis, confirms the actual details of the investment custodian's excessive or prohibited investments. Then, based on the exemption application materials sent by the investment custodian to the trustee via email or other offline methods, the trustee processes the investment custodian's excessive or prohibited investments.

[0056] Given the above, the trustee faces a significant problem: they cannot obtain relevant transaction data and can only acquire position data through the portfolio valuation table provided by the custodian. Under the current technical solution, relying on the custodian's data transmission timeliness of T+1, the trustee's processed data retrieval timeliness is at most T+2, with some portfolios lagging by about a week. Because they can only analyze the portfolio valuation table data provided by the custodian bank, combined with manual processing, the efficiency of supervising investment managers' excessive investment restrictions is relatively low, heavily reliant on the custodian's proactive provision of data on such restrictions. Furthermore, the trustee cannot effectively monitor whether the custodian has fulfilled its supervisory functions. The investment manager's trading behavior and position results can change significantly every trading day depending on market conditions. By the time the trustee completes the process and sends processing opinions to the investment manager, the investment manager's actual positions may have changed. The processing opinions issued by the trustee based on the latest data date at that time may no longer accurately match the portfolio managed by the investment manager, resulting in ineffective supervision.

[0057] Based on this, this application provides a blockchain-based annuity data processing method. This method adds various institutions involved in annuity data processing to the blockchain as nodes. Each node interacts with data only through the blockchain system, thereby improving the security of data interaction. Furthermore, the processing data of the annuity data processing is recorded on the blockchain, enabling intelligent management of the annuity data processing process.

[0058] The following provides a detailed description of the blockchain system proposed in the embodiments of this application.

[0059] Figure 1 This is a flowchart illustrating a blockchain-based annuity data processing method according to an exemplary embodiment, such as... Figure 1 As shown, this method is applied to an annuity data processing platform, which is deployed on each node of a blockchain system. The nodes in the blockchain system include: trustee nodes, information provider nodes, blockchain platform nodes, and investment management nodes; it may include the following steps:

[0060] In step S110, the prohibited and restricted investment rules generated by the entrusted node for the investment management node are received, and the prohibited and restricted investment rules are sent to the blockchain platform node in the blockchain system.

[0061] This application embodiment deploys the trustee, custodian, and investment manager institutions onto a blockchain system, configuring corresponding blockchain nodes for each, and uploading data to the blockchain, enabling each institution to conduct transactions through the blockchain system. In this embodiment, the trustee is deployed on the trustee node of the blockchain system, the custodian on the custodian node, the investment manager on the investment manager node, and the information provider on the information provider node. Furthermore, this application embodiment also provides a blockchain platform node, which can share and process the relevant data uploaded by each node.

[0062] In this embodiment, taking Trustee A as an example, Trustee A, based on the risk preferences of the corporate annuity clients, clarifies the prohibited and restricted investment rules for each annuity plan through investment customization, and sends these rules to the blockchain platform nodes in the blockchain system. The prohibited and restricted investment rules, based on the client's personalized requirements and combined with the trustee's professional advice, specifically restrict investment products, setting limiting clauses and clearly defining the prohibited or restricted stocks, bonds, and other products. For example, such as... Figure 2 As shown, it is understandable that Figure 2 This refers to some of the rules prohibiting or restricting investment.

[0063] In step S120, information data sent by the information provider node is received and then sent to the blockchain platform node in the blockchain system.

[0064] Information providers possess a wealth of underlying market information data. The annuity data processing platform can obtain this information data from the information provider nodes, upload it to the blockchain, and then send it to the blockchain platform nodes within the blockchain system. For example, relevant information data can be sent from the information provider nodes to the blockchain platform nodes before the market opens each day.

[0065] In step S130, the restricted investment rules and information data sent by the blockchain platform node are received, and restricted investment pool data is generated by using smart contracts.

[0066] Blockchain platform nodes receive restricted investment rules from entrusted nodes and information data from information provider nodes. In this way, the annuity data processing platform can receive restricted investment rules and information data from blockchain platform nodes, and parse the restricted investment rules and process the information data through smart contracts to generate restricted investment pool data.

[0067] The restricted investment pool data in this application embodiment may include one or more combinations of: security code, security name, security type, entry date, exit date, and entry method.

[0068] In step S140, investment data sent by the blockchain platform node is received, and the restricted investment pool data is compared with the investment data through a smart contract to generate a regulatory result for the investment data.

[0069] The investment data is sent from the investment management node to the blockchain platform node.

[0070] This application embodiment receives investment data sent by investment management nodes through blockchain platform nodes. The annuity data processing platform can then receive this investment data and automatically process and calculate it through a smart contract. Each node can obtain real-time details of prohibited, restricted, and excessive investments in the portfolios managed by the investment management nodes. The trustee can promptly publish processing opinions through the blockchain system via the trustee node for reference and implementation by the investment manager and custodian bank.

[0071] The technical solution provided in this application embodiment receives restricted investment rules generated by the entrusted node for the investment management node and sends these rules to the blockchain platform node in the blockchain system; it receives information data sent by the information provider node and sends this data to the blockchain platform node; it receives the restricted investment rules and information data sent by the blockchain platform node and generates restricted investment pool data through a smart contract; it receives investment data sent by the blockchain platform node and compares the restricted investment pool data with the investment data through a smart contract to generate a regulatory result for the investment data. This application embodiment does not rely on the offline flow of data between institutions, nor does it rely on the custodian's self-built system for calculating and outputting data on investment management exceeding the restricted investment limit. By putting all data on the blockchain and processing it, the timeliness, accuracy, and effectiveness of monitoring restricted investment exceeding the limit are greatly improved.

[0072] Furthermore, based on blockchain technology and combined with the unique business scenarios of annuity investment restriction management, the interaction between institutions in the business process can be made more convenient and simple. Each institution only needs to interact with the blockchain platform. Each institution only needs to follow the same standard blockchain protocol and develop on-chain transmission and off-chain query interfaces based on its own system. The data information flow of the entire business process is simplified and secure, reducing the interference of human factors and significantly improving timeliness, thus greatly improving the efficiency of real-time supervision.

[0073] In another embodiment provided in this application, based on the above embodiments, step S130 may specifically include the following steps:

[0074] Step S131: Based on the restricted investment rules, the blockchain platform node extracts restricted investment data from the information data.

[0075] Step S132: Store the restricted and prohibited investment data in the restricted and prohibited investment pool to obtain the restricted and prohibited investment pool data.

[0076] In the embodiments provided in this application, it can be combined with Figure 1 The rules for restricted and prohibited investments define certain stocks or bonds that are restricted or prohibited from purchase. By filtering information data through these rules, data on stocks or bonds that meet the restrictions or purchase limits stipulated in these rules are extracted from the information data, resulting in the restricted and prohibited investment data. This data is then stored in the restricted and prohibited investment pool, resulting in the restricted and prohibited investment pool data.

[0077] In addition, the restricted investment pool data may include the following details: security code, security name, security type, entry date, exit date, entry method, etc.

[0078] In another embodiment provided in this application, based on the above embodiments, step S140 may specifically include the following steps:

[0079] Step S141: Extract portfolio transaction data from investment data using a smart contract;

[0080] Step S142: By matching the combined transaction data with the restricted investment pool data respectively, the investment management node generates detailed data on the combined restricted investment exceeding the limit.

[0081] Step S143: Determine the detailed data of prohibited and restricted investments exceeding the limit in the investment management node combination as the regulatory result of investment data.

[0082] In this embodiment, the parameters for the restricted investment rules can include warning type, security category, and warning item. The warning type can be either a restricted investment type or a prohibited investment type; the security category can be stocks, perpetual bonds, local government financing vehicle (LGFV) bonds, trusts, asset-backed securities, etc.; the warning item can be a credit rating below AA, a remaining maturity greater than 5 years, the region where the issuer is located, etc. In this embodiment, by matching the portfolio transaction data with the restricted investment pool data, detailed data on excessive restricted investment in the investment management node is generated to obtain the corresponding regulatory results. For example, if the matched restricted investment parameter is a prohibited investment type for stocks and the credit rating is below AA, the regulatory result is a warning. Alternatively, depending on the matched restricted investment parameter, the regulatory result could also be an exemption, etc.

[0083] In another embodiment provided in this application, when the regulatory result is a warning, based on the above embodiments, the method may further include the following steps:

[0084] In step S150, when the blockchain platform node receives the exemption application sent by the investment management node, it sends the exemption application to the trustee node.

[0085] Step S160: When the entrusted node receives the exemption application sent by the blockchain platform node, the exemption application is displayed on the corresponding function page so that the entrusted node can receive the corresponding operation on the function page.

[0086] Step S170: Upon receiving the exemption processing operation performed by the trustee on the function page, send the regulatory result of the exemption processing to the blockchain platform node.

[0087] In the embodiments provided in this application, the trustee, investment manager, and custodian bank can all obtain daily restricted / limited investment details of the portfolio through corresponding blockchain nodes on the blockchain system. The investment manager can query the excess details of the portfolios they manage through the investment management node via the blockchain system. If necessary, they can directly initiate a portfolio exemption application for that portfolio to the trustee through the blockchain platform's function page on the trustee node. After receiving the portfolio exemption application from the investment management node, the trustee node can directly provide its exemption application processing opinion on the corresponding function page of the blockchain.

[0088] It should be noted that the functions of each node in the blockchain system in this application embodiment include:

[0089] (1) Routing: A basic function of nodes used to support communication between nodes. In addition to routing, nodes may also have the following functions:

[0090] (2) Application, used to be deployed in the blockchain to realize specific business according to actual business needs, record data related to the realization of functions to form record data, carry digital signature in the record data to indicate the source of task data, send the record data to other nodes in the blockchain system, and when other nodes successfully verify the source and integrity of the record data, add the record data to the temporary block.

[0091] For example, the business implemented by the application includes: smart contracts, computerized protocols that can execute the terms of a contract, implemented by code deployed on a shared ledger that is executed when certain conditions are met, and used to complete automated transactions according to actual business needs; of course, smart contracts are not limited to executing contracts for transactions, but can also execute contracts for processing received information.

[0092] (3) A blockchain comprises a series of blocks sequentially generated in chronological order. Once a new block is added to the blockchain, it is never removed. Each block records the data submitted by nodes within the blockchain system. In this embodiment, the block structure includes the hash value of the transaction records stored in that block (the hash value of this block) and the hash value of the previous block. The blocks are connected through their hash values ​​to form the blockchain. Additionally, blocks may include information such as a timestamp when they were generated. Essentially, a blockchain is a decentralized database, a chain of data blocks linked using cryptographic methods. Each data block contains relevant information used to verify the validity of the information (anti-counterfeiting) and to generate the next block.

[0093] In conjunction with the above embodiments, see Figure 3 In one scenario embodiment provided in this application, the blockchain-based annuity data processing method may specifically include the following processing flow:

[0094] ① Blockchain System Construction. A blockchain system for annuity trustees will be built on the trustee's side. Using blockchain smart contract technology, the trustee will lead the collaboration with various annuity investment managers, custodians, and information providers to develop a standard data transmission and processing protocol integrating encrypted transmission / query / parsing / calculation / download. A built-in module for handling restricted investment processes will be developed on the blockchain. This module mainly includes functions such as: inputting and maintaining restricted investment rule parameters, querying information data, querying restricted investment pool data, querying details of restricted investment exceeding limits, and handling of restricted investment exceeding limits, etc.

[0095] ② Trustee's investment restrictions and prohibitions are recorded on the blockchain. The trustee formulates investment restrictions and prohibitions rules and maintains the rule parameters on the blockchain system. Examples of investment restriction and prohibition rule parameters: warning type (prohibited investment, restricted investment); securities type (stocks, perpetual bonds, local government financing vehicle bonds, trusts, asset-backed securities, etc.); warning items (rating below AA, remaining maturity greater than 5 years, region of issuer, etc.).

[0096] ③ Information providers upload information data to the blockchain. Information providers synchronize market information data to the blockchain system in real time via protocol interfaces. The data is encrypted, stored, and processed. It is then compared with restricted investment rules parameters to automatically generate and update restricted investment pool data. Examples of restricted investment pool data fields include: security code, security name, security category, entry date, exit date, etc.

[0097] ④ Portfolio Transaction Data On-Chain. The custodian bank synchronizes the portfolio transaction data of the investment manager to the blockchain system in real time via a protocol interface. The data is encrypted, stored, and calculated. It is compared with the restricted investment pool data and automatically generates and updates the portfolio restricted investment over-limit details. Examples of fields for portfolio restricted investment over-limit details include: warning date, portfolio code, portfolio name, plan name, security code, security category, security abbreviation, warning item, etc.

[0098] ⑤ The trustee's opinions on handling portfolio over-limit investments are uploaded to the blockchain. The trustee can directly handle portfolio over-limit investments through the built-in restricted investment management module of the blockchain system and provide handling opinions. Investment managers and custodians can obtain the trustee's opinions on handling portfolio over-limit investments in real time through the blockchain system.

[0099] The prohibited and restricted investment management module mainly includes the following functions: a combined page for querying details of prohibited and restricted investment exceeding standards, and an operation processing page.

[0100] Examples of fields for the trustee's opinion on handling excessive prohibited or restricted investments in a portfolio: handling method (letter, email), whether an exemption is granted, exemption period...

[0101] ⑥ Each institution obtains data from the blockchain. Trustees, investment managers, and custodians can independently access the blockchain system in real time to obtain data on the investment manager's portfolio restricted investment pool, transaction data, details of restricted investment exceeding the limit, and the trustee's opinions on handling portfolio restricted investment exceeding the limit.

[0102] In addition, in the embodiments provided in this application, trustee institution A, as the annuity trustee, manages over 700 portfolios and needs to supervise and manage the over-limit and prohibited investment situations of these 700+ portfolios daily. It connects with 23 investment managers and 11 custodian banks. With trustee institution A as the lead trustee, a blockchain service platform system is built, creating blockchain nodes for the 23 investment managers, 11 custodians, and information providers, and incorporating them into the on-chain scope. A smart contract protocol for the prohibited and restricted investment business is formulated to reach consensus among the institutions, defining standard interface specifications and business process handling specifications. Based on requirements, the scope of data acquisition and uploading permissions for each institution is flexibly defined (portfolio data permissions: the trustee allocates all portfolio data permissions, while investment managers and custodian banks only allocate data permissions for the portfolios they manage).

[0103] The system maintains portfolio restriction and prohibition rules directly on the blockchain. Information providers automatically upload daily market information data to the blockchain platform through their self-built systems and standard blockchain interfaces. Investment managers automatically upload daily portfolio transaction details to the blockchain platform through their self-built systems and standard blockchain interfaces. The blockchain platform automatically performs encrypted storage, computation, and output of the data.

[0104] Trustees, investment managers, and custodian banks can all access daily restricted / limited investment details for their portfolios on the blockchain platform. Investment managers can query the details of any excess investments in the portfolios they manage, and if necessary, can directly initiate a portfolio exemption application for that portfolio through the blockchain platform's functional page. Upon receiving the portfolio exemption application from the investment manager, the trustee can directly provide processing opinions on the corresponding function page on the blockchain.

[0105] The embodiments provided in this application transform the complex, multi-point, network-like interaction of traditional annuity investment restriction management processes into a single, chain-like interaction. Each institution only engages in standardized data uploading and offloading operations with this chain, simplifying the process. Data and rules are uniformly verified, parsed, and stored on the chain, with data calculation and result output executed automatically throughout the entire process. Structured data replaces traditional unstructured data such as offline Excel / PDF files. The trustee's responsibility is to supervise the investment manager and custodian, while the custodian also has the responsibility to assist in supervising the investment manager. Leveraging new technologies, the entire process is open and transparent, establishing a trust mechanism among the trustee, investment manager, and custodian. This addresses pain points such as inter-institutional collaboration efficiency, data security, and platform standardization, reducing institutional operating costs and making supervision more efficient.

[0106] Furthermore, a single trustee in annuity business typically needs to connect with more than ten custodian banks and over twenty investment management institutions across the market. Under traditional technical solutions, each institution had to modify its system accordingly (interface transmission support and functional module development) for this business process. The new technical solution establishes unified interfaces and standard business process modules on the blockchain platform, making the flow of data information more efficient and convenient, overcoming the technical limitations and inconsistencies in the system construction capabilities of different institutions. In addition, the timeliness and effectiveness of the trustee's handling opinions regarding investment management portfolios exceeding prohibited or restricted investment limits are the most important factors influencing the risk prevention value of prohibited or restricted investment management. Relying on the new technical solution, the timeliness of all parties obtaining relevant data is fundamentally improved, the overall business process is simplified, this business pain point is greatly resolved, and the risk prevention value of prohibited or restricted investment management is better strengthened and realized.

[0107] According to a second aspect of the embodiments of this application, a blockchain-based annuity data processing device is provided, applied to an annuity data processing platform, wherein the annuity data processing platform is deployed on each node of a blockchain system, and the nodes in the blockchain system include: trustee nodes, information provider nodes, blockchain platform nodes, and investment management nodes; as shown below. Figure 4 As shown, the device includes:

[0108] The prohibited and restricted investment rule receiving module 410 is used to receive the prohibited and restricted investment rules generated by the entrusted node for the investment management node, and send the prohibited and restricted investment rules to the blockchain platform node in the blockchain system;

[0109] The information data receiving module 420 is used to receive information data sent by the information provider node and send the information data to the blockchain platform node in the blockchain system;

[0110] The restricted investment pool data generation module 430 is used to receive the restricted investment rules and information data sent by the blockchain platform node, and generate restricted investment pool data through a smart contract using the restricted investment rules and information data.

[0111] The regulatory result generation module 440 is used to receive investment data sent by the blockchain platform node, and compare the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data, wherein the investment data is sent by the investment management node to the blockchain platform node.

[0112] The technical solution provided in this application embodiment receives restricted investment rules generated by the entrusted node for the investment management node and sends these rules to the blockchain platform node in the blockchain system; it receives information data sent by the information provider node and sends this data to the blockchain platform node; it receives the restricted investment rules and information data sent by the blockchain platform node and generates restricted investment pool data through a smart contract; it receives investment data sent by the blockchain platform node and compares the restricted investment pool data with the investment data through a smart contract to generate a regulatory result for the investment data. This application embodiment does not rely on the offline flow of data between institutions, nor does it rely on the custodian's self-built system for calculating and outputting data on investment management exceeding the restricted investment limit. By putting all data on the blockchain and processing it, the timeliness, accuracy, and effectiveness of monitoring restricted investment exceeding the limit are greatly improved.

[0113] Optionally, the restricted / prohibited investment pool data generation module is specifically used for:

[0114] Based on the aforementioned restrictions on investment, extract the restrictions on investment data from the information data;

[0115] The restricted and prohibited investment data is stored in the restricted and prohibited investment pool to obtain the restricted and prohibited investment pool data.

[0116] Optionally, the restricted investment pool data includes one or more combinations of: security code, security name, security type, entry date, exit date, and entry method.

[0117] Regarding the system in the above embodiments, the specific manner in which each module performs its operations has been described in detail in the embodiments related to the method, and will not be elaborated upon here.

[0118] Figure 5 This is a block diagram illustrating a blockchain-based annuity data processing device 800 according to an exemplary embodiment. For example, device 800 is an electronic device, specifically a mobile phone, computer, digital broadcasting terminal, messaging device, game console, tablet device, medical device, fitness equipment, personal digital assistant, etc.

[0119] Reference Figure 5 The device 800 may include one or more of the following components: a processing component 802, a memory 804, a power component 806, a multimedia component 808, an audio component 810, an input / output (I / O) interface 812, a sensor component 814, and a communication component 816.

[0120] Processing component 802 typically controls the overall operation of device 800, such as operations associated with display, telephone calls, data communication, camera operation, and recording. Processing component 802 may include one or more processors 820 to execute instructions to perform all or part of the steps of the methods described above. Furthermore, processing component 802 may include one or more modules to facilitate interaction between processing component 802 and other components. For example, processing component 802 may include a multimedia module to facilitate interaction between multimedia component 808 and processing component 802.

[0121] Memory 804 is configured to store various types of data to support the operation of device 800. Examples of this data include instructions for any application or method operating on device 800, contact data, phonebook data, messages, pictures, videos, etc. Memory 804 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk.

[0122] Power supply component 806 provides power to various components of device 800. Power supply component 806 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power to device 800.

[0123] Multimedia component 808 includes a screen that provides an output interface between the device 800 and the user. In some embodiments, the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touchscreen to receive input signals from the user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensors may sense not only the boundaries of the touch or swipe action but also the duration and pressure associated with the touch or swipe operation. In some embodiments, multimedia component 808 includes a front-facing camera and / or a rear-facing camera. When the device 800 is in an operating mode, such as a shooting mode or a video mode, the front-facing camera and / or the rear-facing camera may receive external multimedia data. Each front-facing camera and rear-facing camera may be a fixed optical lens system or have focal length and optical zoom capabilities.

[0124] Audio component 810 is configured to output and / or input audio signals. For example, audio component 810 includes a microphone (MIC) configured to receive external audio signals when device 800 is in an operating mode, such as call mode, recording mode, and voice recognition mode. The received audio signals may be further stored in memory 804 or transmitted via communication component 816. In some embodiments, audio component 810 also includes a speaker for outputting audio signals.

[0125] I / O interface 812 provides an interface between processing component 802 and peripheral interface modules, such as keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to, home buttons, volume buttons, power buttons, and lock buttons.

[0126] Sensor assembly 814 includes one or more sensors for providing status assessments of various aspects of device 800. For example, sensor assembly 814 may detect the on / off state of device 800, the relative positioning of components such as the display and keypad of device 800, changes in the position of device 800 or a component of device 800, the presence or absence of user contact with device 800, the orientation or acceleration / deceleration of device 800, and temperature changes of device 800. Sensor assembly 814 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. Sensor assembly 814 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, sensor assembly 814 may also include an accelerometer, a gyroscope, a magnetometer, a pressure sensor, or a temperature sensor.

[0127] Communication component 816 is configured to facilitate wired or wireless communication between device 800 and other devices. Device 800 can access wireless networks based on communication standards, such as WiFi, carrier networks (such as 2G, 3G, 4G, or 5G), or combinations thereof. In one exemplary embodiment, communication component 816 receives broadcast signals or broadcast-related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, communication component 816 also includes a near-field communication (NFC) module to facilitate short-range communication. For example, the NFC module may be implemented based on radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

[0128] In an exemplary embodiment, the apparatus 800 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to perform the above-described blockchain-based annuity data processing method.

[0129] In an exemplary embodiment, a non-transitory computer-readable storage medium including instructions is also provided, such as a memory 804 including instructions, which can be executed by a processor 820 of the device 800 to perform the above-described method. For example, the non-transitory computer-readable storage medium may be a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device, etc.

[0130] This application also provides a non-transitory computer-readable storage medium, which, when the instructions in the storage medium are executed by the processor of a mobile terminal, enables the mobile terminal to execute the aforementioned blockchain-based annuity data processing method.

[0131] According to an embodiment of this application, an application / computer program product is also provided. In another embodiment provided in this application, a computer program product containing instructions is also provided, which, when run on a computer, causes the computer to perform the steps of any of the blockchain-based annuity data processing methods described in the above embodiments.

[0132] In the above embodiments, implementation can be achieved entirely or partially through software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented entirely or partially in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of this application are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, optical fiber, DSL (Digital Subscriber Line)) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that integrates one or more available media. The available media can be magnetic media (e.g., floppy disks, hard disks, magnetic tapes), optical media (e.g., DVDs (Digital Versatile Discs)), or semiconductor media (e.g., SSDs (Solid State Disks)).

[0133] It should be noted that, in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0134] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0135] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A blockchain-based annuity data processing method, characterized in that, The method is applied to an annuity data processing platform, which is deployed on each node of a blockchain system, including: trustee nodes, information provider nodes, blockchain platform nodes, and investment management nodes; the method includes: Receive the restricted and prohibited investment rules generated by the entrusted node for the investment management node, and send the restricted and prohibited investment rules to the blockchain platform node in the blockchain system; Receive information data sent by the information provider node, and send the information data to the blockchain platform node in the blockchain system; Receive the restricted investment rules and information data sent by the blockchain platform node, and generate restricted investment pool data by using the restricted investment rules and information data through a smart contract; The system receives investment data sent by the blockchain platform node, and compares the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data. The investment data is sent by the investment management node to the blockchain platform node. The step of comparing the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data includes: Extract portfolio transaction data from the investment data using smart contracts; By matching the combined transaction data with the restricted investment pool data respectively, detailed data on the combined restricted investment exceeding the limit is generated at the investment management node; The detailed data on prohibited, restricted, and excessive investments in the investment management nodes are determined as the regulatory result of the investment data.

2. The method according to claim 1, characterized in that, The smart contract generates restricted investment pool data from the restricted investment rules and the information data, including: Based on the aforementioned restrictions on investment, extract the restrictions on investment data from the information data; The restricted and prohibited investment data is stored in the restricted and prohibited investment pool to obtain the restricted and prohibited investment pool data.

3. The method according to claim 1, characterized in that, The restricted investment pool data includes one or more of the following: security code, security name, security type, entry date, exit date, and entry method.

4. The method according to claim 1, characterized in that, When the regulatory result is a warning, the method further includes: Upon receiving the waiver request from the management node, the waiver request is sent to the entrusted node; When the entrusted node receives the waiver request, it displays the waiver request on the corresponding function page so that it can receive the corresponding operation of the trustee on the function page; Upon receiving the exemption processing operation performed by the trustee on the function page, the regulatory result of the exemption processing is sent to the blockchain platform node.

5. A blockchain-based annuity data processing device, characterized in that, The device is applied to an annuity data processing platform, which is deployed on each node of a blockchain system. The nodes in the blockchain system include: trustee nodes, information provider nodes, blockchain platform nodes, and investment management nodes. The prohibited and restricted investment rule receiving module is used to receive the prohibited and restricted investment rules generated by the entrusted node for the investment management node, and send the prohibited and restricted investment rules to the blockchain platform node in the blockchain system; The information data receiving module is used to receive information data sent by the information provider node and send the information data to the blockchain platform node in the blockchain system; The restricted investment pool data generation module is used to receive the restricted investment rules and information data sent by the blockchain platform node, and generate restricted investment pool data through smart contracts using the restricted investment rules and information data. The regulatory result generation module is used to receive investment data sent by the blockchain platform node, and compare the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data, wherein the investment data is sent by the investment management node to the blockchain platform node; The step of comparing the restricted investment pool data with the investment data through the smart contract to generate a regulatory result for the investment data includes: Extract portfolio transaction data from the investment data using smart contracts; By matching the combined transaction data with the restricted investment pool data respectively, detailed data on the combined restricted investment exceeding the limit is generated at the investment management node; The detailed data on prohibited, restricted, and excessive investments in the investment management nodes are determined as the regulatory result of the investment data.

6. The apparatus according to claim 5, characterized in that, The restricted / prohibited investment pool data generation module is specifically used for: Based on the aforementioned restrictions on investment, extract the restrictions on investment data from the information data; The restricted and prohibited investment data is stored in the restricted and prohibited investment pool to obtain the restricted and prohibited investment pool data.

7. The apparatus according to claim 5, characterized in that, The restricted investment pool data includes one or more of the following: security code, security name, security type, entry date, exit date, and entry method.

8. An electronic device, characterized in that, include: processor; Memory used to store processor-executable instructions; The processor is configured to execute the blockchain-based annuity data processing method according to any one of claims 1-4.

9. A computer-readable storage medium, characterized in that, When the instructions in the storage medium are executed by the processor of the mobile terminal, the mobile terminal is able to execute a blockchain-based annuity data processing method, the method comprising the steps of the blockchain-based annuity data processing method according to any one of claims 1-4.

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