Blockchain-based Financial Management Method, Device, and Electronic Device

Abstract

The present application provides a financial management method, device and electronic device based on blockchain. The financial management method includes: receiving a financial service request, where the financial service request includes: buyer user information, seller user information and a transaction object; obtaining corresponding qualification verification data in the blockchain according to the buyer user information, seller user information and the transaction object, and the qualification verification data is uploaded to the blockchain by the corresponding third-party institution through the first node of the blockchain; if the qualification verification data meets the financial requirements, responding to the financial service request. The present application establishes a connection between each third-party institution and a financial institution through the blockchain, enabling the financial institution to obtain the qualification verification data required for transactions through the blockchain, thereby avoiding the waste of a large amount of time and energy by the buyer and seller making frequent round trips to various institutions, and improving the efficiency of commodity transactions.

Description

Technical Field

[0001] This application relates to the field of mobile Internet technologies, and in particular, to a financial management method, apparatus, and electronic device based on blockchain. Background Art

[0002] In the process of commodity trading, for commodities with a relatively large trading amount, such as real estate, a series of certifications such as purchase qualifications, loan qualifications, credit reports of the People's Bank of China, and risk information are involved, and the participation of multiple institutions is required to facilitate the commodity transaction. For example, banks, intermediaries, guarantee institutions, and government departments are needed.

[0003] The above commodity trading process involves multiple institutions, which makes the buyer and seller need to frequently travel between various institutions, wasting a large amount of time and energy, resulting in the problem of low efficiency of commodity trading. Summary of the Invention

[0004] Embodiments of this application provide a financial management method, apparatus, and electronic device based on blockchain to solve the problem of low efficiency of current commodity trading.

[0005] A first aspect of this application provides a financial management method based on blockchain, which is applied to a financial institution. The financial management method based on blockchain includes: receiving a financial service request, where the financial service request includes: buyer user information, seller user information, and a transaction object; obtaining corresponding qualification verification data in the blockchain according to the buyer user information, seller user information, and the transaction object, where the qualification verification data is uploaded to the blockchain by a corresponding third-party institution through a first node of the blockchain; and if the qualification verification data meets the financial requirements, responding to the financial service request.

[0006] In an embodiment of this application, the buyer user information includes: the first identity information of the buyer user and mortgage loan demand information; the third-party institutions include: a credit reporting agency and an appraisal agency; the qualification verification data includes: the first credit information of the buyer user and the appraisal information of the transaction object. Obtaining corresponding qualification verification data in the blockchain according to the buyer user information, seller user information, and the transaction object includes: obtaining the first credit information in the blockchain according to the mortgage loan demand information and the first identity information, where the first credit information is uploaded to the blockchain by the credit reporting agency for the first identity information; and obtaining the appraisal information in the blockchain according to the mortgage loan demand information and the transaction object, where the appraisal information is uploaded to the blockchain by the appraisal agency for the transaction object.

[0007] In one embodiment of the present application, the seller user information includes: the second identity information of the seller user and the redemption loan demand information; the third-party institution includes: a guarantee institution; the qualification verification data includes: the loan amount already obtained by the seller user for the trading object; obtaining the corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the trading object, including: obtaining the corresponding loan amount already obtained in the blockchain according to the redemption loan demand information and the second identity information, and the loan amount already obtained is uploaded to the blockchain by the guarantee institution for the trading object and the second identity information.

[0008] In one embodiment of the present application, if the trading object is a property, the third-party institution includes: a property transfer management institution; obtaining the corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the trading object further includes: obtaining the corresponding transfer information in the blockchain according to the property, and the transfer information is uploaded to the blockchain by the property transfer management institution for the property.

[0009] In one embodiment of the present application, the buyer user information further includes: the fund custody amount of the buyer user; if the qualification verification data meets the financial requirements, responding to the financial business request, including: if the first credit information meets the credit requirements, determining the first loan amount to be issued to the buyer user according to the valuation information; determining the target amount according to the first loan amount, the fund custody amount, and the redemption loan amount, and the redemption loan amount is issued to the seller user according to the loan amount already obtained; and releasing the funds of the target amount to the account of the seller user.

[0010] In one embodiment of the present application, receiving the financial business request includes: receiving the financial business request sent by the intermediary institution through the second node, the blockchain includes the second node, and the intermediary institution is used to serve the transaction of the buyer user and the seller user for the trading object.

[0011] In one embodiment of the present application, before receiving the financial business request, it further includes: creating a blockchain, the blockchain includes: at least one first node corresponding to a third-party institution, a second node corresponding to an intermediary institution, and a third node corresponding to a financial institution, and the third node is the central node of the blockchain, and the blockchain is used to encrypt and save the data uploaded by each node.

[0012] The second aspect of the present application provides a blockchain-based financial management device, which is applied to a financial institution. The blockchain-based financial management device includes:

[0013] A receiving module, configured to receive a financial business request, and the financial business request includes: buyer user information, seller user information, and a trading object;

[0014] An acquisition module, configured to obtain corresponding qualification verification data in a blockchain according to buyer user information, seller user information, and a transaction object, where the qualification verification data is uploaded to the blockchain by a corresponding third-party institution through a first node of the blockchain;

[0015] A processing module, configured to respond to a financial service request when the qualification verification data meets financial requirements.

[0016] In an embodiment of the present application, the buyer user information includes: the first identity information of the buyer user and mortgage loan demand information; the third-party institutions include: a credit investigation institution and an evaluation institution; the qualification verification data includes: the first credit information of the buyer user and the valuation information of the transaction object, and the acquisition module is specifically configured to: obtain the first credit information in the blockchain according to the mortgage loan demand information and the first identity information, where the first credit information is uploaded to the blockchain by the credit investigation institution for the first identity information; obtain the valuation information in the blockchain according to the mortgage loan demand information and the transaction object, where the valuation information is uploaded to the blockchain by the evaluation institution for the transaction object.

[0017] In an embodiment of the present application, the seller user information includes: the second identity information of the seller user and redemption loan demand information; the third-party institution includes: a guarantee institution; the qualification verification data includes: the loan amount already obtained by the seller user for the transaction object; according to the buyer user information, the acquisition module is specifically configured to: obtain the corresponding loan amount already obtained in the blockchain according to the redemption loan demand information and the second identity information, where the loan amount already obtained is uploaded to the blockchain by the guarantee institution for the transaction object and the second identity information.

[0018] In an embodiment of the present application, if the transaction object is a property, the third-party institutions include: a property transfer management institution, and the acquisition module is further specifically configured to: obtain the corresponding transfer information in the blockchain according to the property, where the transfer information is uploaded to the blockchain by the property transfer management institution for the property.

[0019] In an embodiment of the present application, the buyer user information further includes: the fund custody amount of the buyer user, and the processing module is specifically configured to: if the first credit information meets the credit requirements, determine the first loan amount issued to the buyer user according to the valuation information; determine the target amount according to the first loan amount, the fund custody amount, and the redemption loan amount, where the redemption loan amount is issued to the seller user according to the loan amount already obtained; and issue the funds of the target amount to the account of the seller user.

[0020] In an embodiment of the present application, the receiving module is specifically configured to: receive a financial service request sent by an intermediary institution through a second node, where the blockchain includes the second node, and the intermediary institution is used to serve the transaction of the buyer user and the seller user for the transaction object.

[0021] In one embodiment of the present application, the blockchain-based financial management device further includes:

[0022] A creation module, configured to create a blockchain, the blockchain including: at least one first node corresponding to a third-party institution, a second node corresponding to an intermediary institution, and a third node corresponding to a financial institution, the third node being the central node of the blockchain, and the blockchain being used to encrypt and save the data uploaded by each node.

[0023] A third aspect of the present application provides an electronic device, including a memory and a processor; wherein,

[0024] The memory is used to store program code;

[0025] The processor is used to call the program code to implement the blockchain-based financial management method of any one of the above.

[0026] A fourth aspect of the present application provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the electronic device is enabled to execute the blockchain-based financial management method of any one of the above.

[0027] A fifth aspect of the present application provides a computer program product, on which a computer program is stored. When the computer program is executed by a processor, the electronic device is enabled to execute the blockchain-based financial management method of any one of the above.

[0028] It can be seen from the above technical solutions that in the embodiments of the present application, by receiving a financial service request, the financial service request including: buyer user information, seller user information, and a transaction object; according to the buyer user information, the seller user information, and the transaction object, obtaining corresponding qualification verification data in the blockchain, the qualification verification data being uploaded to the blockchain by the corresponding third-party institution through the first node of the blockchain; if the qualification verification data meets the financial requirements, responding to the financial service request. Connecting each third-party institution to the financial institution through the blockchain enables the financial institution to obtain the qualification verification data required for the transaction through the blockchain, thereby avoiding the buyer and the seller frequently traveling between various institutions, wasting a large amount of time and energy, and improving the efficiency of commodity trading. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0030] Figure 1It is a schematic diagram of the application scenario of the blockchain-based financial management method provided by this application;

[0031] Figure 2 It is a flowchart of the steps of the blockchain-based financial management method provided by an embodiment of this application;

[0032] Figure 3 It is a flowchart of the steps of the blockchain-based financial management method provided by another embodiment of this application;

[0033] Figure 4 It is a block diagram of the structure of the blockchain-based financial management device provided by an embodiment of this application;

[0034] Figure 5 It is a schematic diagram of the structure of the electronic device provided by the embodiment of this application. Detailed implementation manners

[0035] In order to enable those skilled in the art to better understand the solutions of this application, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of this application. Obviously, the described embodiments are only a part of the embodiments of this application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this application.

[0036] Before introducing the technical solutions of the embodiments of this application in detail, the relevant terms involved in the embodiments of this application will be described first:

[0037] Blockchain: Essentially, a blockchain is a shared database. The data stored in it has characteristics such as "non-falsifiable", "traceable throughout the process", "traceable", "open and transparent", and "collectively maintained". Based on these characteristics, blockchain technology has laid a solid foundation of "trust" and created a reliable "cooperation" mechanism.

[0038] Buyer user: A user who purchases goods and sometimes needs to apply for a loan from a financial institution to purchase goods.

[0039] Seller user, the owner of the goods, the user who sells the goods. If there is an outstanding loan on the goods owned by the seller, the seller user needs to repay the loan of the goods before selling the goods. The seller user can apply to the financial institution for redeeming the loan to repay the loan of the goods.

[0040] Fund custody. For example, the process of second-hand housing transactions is relatively long. Generally, 30% of the total housing transaction amount needs to be paid in advance as the down payment. If the down payment is directly paid to the seller, there may be risks such as the seller absconding with the money or selling the same house to multiple buyers. Therefore, to avoid directly paying the down payment to the seller, it is paid to a financial institution or other third-party institution for custody. When the transaction is completed, the financial institution or other third-party institution will then pay the seller.

[0041] Loan redemption. When a user applies for a new loan, the user repays the original loan for the goods. For example, in the case of a redemption loan for a property, it means that when a seller user needs to sell a property and there is still part of the bank loan on the property that has not been settled, a new loan can be applied for to repay the original mortgage loan, that is, borrowing new to pay old. After the original mortgage loan is paid off, the property can be traded.

[0042] Mortgage loan. When purchasing goods such as a property, a financial institution is allowed to disburse a certain proportion of the total amount of the goods to the user for purchasing the goods.

[0043] In the process of housing transactions, the transactions between the buyer and the seller are generally facilitated by a real estate agency. Since the housing transaction amount is large and it takes several months from the start of the housing transaction to the final transfer of ownership, the buyer's deposit or down payment needs to be entrusted to a third-party institution to ensure the safety of the buyer's funds. Both the buyer's purchase of a house and the seller's sale of a house (where there is still an outstanding loan on the house) have certain financing needs. Thus, several transaction scenarios such as fund custody, mortgage loans, and redemption loans arise between the buyer and the seller. To efficiently, conveniently, and safely complete the housing transaction under the premise of meeting one or more combinations of the above-mentioned financing needs of the customers, the cooperation of multiple institutions such as financial institutions, intermediaries, the People's Bank, guarantee institutions, and government departments is required. For example, in the process of second-hand housing transactions, if the buyer user's own funds are not enough to pay the total amount of the house, a mortgage loan can be applied for from a financial institution such as a bank to pay the house price and complete the purchase of the second-hand housing. Among them, when the buyer user submits an application for a mortgage loan to the bank, a series of spending approvals are required, including: housing purchase qualifications, loan qualifications, credit investigation by the People's Bank, personnel risk information, and a series of other approvals. Only after the approvals can the subsequent contract signing and loan disbursement be carried out. In this process, since it involves multiple independent third-party institutions, and the data of each third-party institution is affected by factors such as security, and there are barriers in the system interaction at the application level among the institutions and information sharing cannot be achieved, the buyer needs to frequently travel between the bank, intermediary institutions, appraisal institutions, and government agencies, etc.

[0044] In the process of trading the above-mentioned goods, there are the following problems. First, the customer managers who need to handle business for the buyer users and seller users need to manually collect various materials, enter them into the system, and communicate with multiple institutions to verify loan conditions, etc., which will lead to heavy workload for the customer managers. Second, in the process of mutual transfer of each link, since all are processed manually, the communication and feedback time is long, the overall business handling process is long and time-consuming, which in turn leads to poor timeliness and high time cost. Third, the buyer users and seller users need to deeply participate in the whole process, need to frequently travel between financial institutions and other third-party institutions, and the overall handling process is manually reviewed, there is a risk of operation errors, resulting in poor customer experience. Finally, each business, such as fund custody, mortgage loan and redemption loan, is separated from each other, without connection, without mutual restraint and connection, and unable to control the fund risk.

[0045] In view of the above problems, the embodiment of the present application provides a financial management method. By connecting each third-party institution with the financial institution through the blockchain, the financial institution can obtain the qualification verification data required for the transaction through the blockchain, thereby avoiding the buyer and the seller from frequently traveling between various institutions and wasting a lot of time and energy, and improving the efficiency of commodity trading. In addition, there is no need to manually enter the qualification verification data, which can avoid the mistakes caused by manual operation. The embodiment of the present application can realize fully self-service and online loan handling, support three modes of fund custody, mortgage loan and redemption loan, and can cover multiple business scenarios such as "fund custody", "fund custody + mortgage loan", "fund custody + redemption loan", "fund custody + mortgage loan + redemption loan". The buyer users and seller users can flexibly select according to the actual situation. And a consortium blockchain is formed by financial institutions, intermediary institutions, appraisal institutions, guarantee institutions, credit investigation institutions and other government institutions, and the information uploaded by these institutions is encrypted. The financial institution automatically obtains the necessary data in the transaction process uploaded by the intermediary institution, appraisal institution, guarantee institution, credit investigation institution and other government institutions from the consortium blockchain to complete self-service application, automatic approval and automatic loan disbursement. Both the buyer user and the seller user can complete the relevant information entry and operation confirmation online without making an appointment to complete it face to face. After the transaction is successful, the fund custody and mortgage loan of the buyer user will be combined and paid to the seller as the total housing amount. If the seller user applies for a redemption loan, the fund custody and mortgage loan will be directly used to repay the seller user's redemption loan, forming a fund closed-loop. And the real estate transaction-related information and borrowing information are automatically encrypted and saved in the blockchain, forming an information closed-loop.

[0046] Exemplarily, Figure 1 is a schematic diagram of an application scenario of the financial management method based on the blockchain provided by the present application. As Figure 1As shown in the figure, the application scenario may include: a blockchain 11 and multiple institutions (B1 to B6). Among them, the blockchain includes multiple nodes (A1 to A6), and the nodes correspond to the institutions one by one. The institutions can upload data to the blockchain through the corresponding nodes, or obtain data in the blockchain through the nodes.

[0047] Specifically, the blockchain 11 includes a third node (A1) corresponding to the financial institution (B1), and this third node is the main node. A second node (A2) corresponding to the intermediary institution (B2), and first nodes (A3 to A6) corresponding to other third-party institutions (B3 to B6). Among them, when the financial institution B1 handles financial business for the buyer user and the seller user, the required qualification verification data can be obtained through the blockchain. Thus, it is not necessary for the buyer user and the seller user to frequently travel between the financial institution and the third-party institution, and the accuracy and security of the obtained qualification verification data can also be ensured.

[0048] Next, the technical solution of the present application will be described in detail through specific embodiments. It should be noted that the following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments.

[0049] Refer to Figure 2 , which is the step flowchart of the blockchain-based financial management method provided by the embodiment of the present application. This blockchain-based financial management method is applied to a financial institution and specifically includes the following steps:

[0050] S201, receive a financial business request.

[0051] Among them, the financial business request includes: buyer user information, seller user information, and a transaction object.

[0052] Specifically, the financial business request may include: a first business request sent by the buyer user through the buyer device and a second business request sent by the seller user through the seller device. Among them, the first business request includes: buyer user information. The buyer user information includes: the first identity information of the buyer user, the first business needs of the buyer user, and the transaction object. The first business needs include: fund custody and / or mortgage loan. The seller user information includes: the second identity information of the seller user, the second business needs of the seller user, and the transaction object. The second business needs include: loan redemption. Among them, the transaction object in the buyer user information and the transaction object of the seller user can be the same transaction object.

[0053] In addition, the financial institution can send a confirmation message to the buyer user and the seller user according to the financial business request. This confirmation message is to instruct the buyer user and the seller user to confirm that they need to trade this transaction object. It can be seen that the above method does not require an intermediary institution to conduct the transaction of the transaction object.

[0054] In an alternative approach, the financial service request may further include: a financial service request uploaded by an intermediary to the blockchain. This financial service request also includes: buyer user information, seller user information, and a transaction object.

[0055] In the embodiments of the present application, the financial institution may accept the financial service request in various ways, which are not limited herein.

[0056] S202. Obtain corresponding qualification verification data in the blockchain based on the buyer user information, seller user information, and the transaction object.

[0057] Among them, the qualification verification data is uploaded to the blockchain by the corresponding third party through the first node of the blockchain.

[0058] In the embodiments of the present application, if the buyer user information includes fund custody, the funds of the buyer user may be entrusted according to the requirements of the financial institution. If the buyer user information includes a mortgage loan, the credit information of the buyer user needs to be obtained to determine whether the buyer user is eligible for a mortgage loan. If the buyer user information includes: mortgage loan through social security, the social security information of the buyer user also needs to be determined. In addition, the valuation information of the transaction object needs to be determined, and then the loan amount for the buyer user can be determined. The credit information, social security information, and the valuation information of the transaction object are qualification verification data and all need to be obtained from the corresponding third party. In the embodiments of the present application, the third party may upload this qualification verification data to the blockchain, and the financial institution may obtain this qualification verification data from the blockchain.

[0059] In addition, if the seller information includes: redeeming a loan. Then the financial institution needs to determine the amount of the loan already taken by the seller user. If the amount of the loan already taken belongs to the current financial institution, it can be directly determined. If the amount of the loan already taken belongs to other financial institutions, the current financial institution needs to obtain the amount of the loan already taken from the corresponding guarantee institution and determine the amount of the redeeming loan to be issued to the seller user based on the amount of the loan already taken. Among them, the guarantee institution may upload the amount of the loan already taken by the seller user for this transaction object to the blockchain in advance, and the financial institution may obtain the corresponding amount of the loan already taken through the blockchain.

[0060] Further, according to the buyer user information, the seller user information, and the transaction object, it can be determined that there are three types of business types that meet the user's needs. The first type is only fund custody. The qualification verification data required for this type of business includes whether the buyer user has an account balance corresponding to the fund custody limit in the current financial institution's account. The second type is mortgage loan. The corresponding qualification verification data includes credit information, valuation information of the transaction object, and social security information (for purchasing a property with provident fund loan). The third type is redemption loan. The corresponding qualification verification data includes the amount of the loan already taken. The above three types can be combined arbitrarily, and the qualification verification data required after any combination is also the data corresponding to the combination.

[0061] In addition, in the embodiment of the present application, the blockchain can be a consortium chain. Among them, through the blockchain, financial institutions can efficiently handle various financial services for buyer users and seller users, and can establish various financial business connections.

[0062] S203, if the qualification verification data meets the financial requirements, respond to the financial business request.

[0063] Among them, when the qualification verification data meets the financial requirements and responds to the financial business request, it includes: for fund custody, if the buyer user's account has sufficient account balance, then conduct fund custody. For mortgage loans, if the buyer user's credit information meets the credit requirements, loans can be issued according to the valuation information, or provident fund loans can be issued according to the social security information. For redemption loans, the amount of the redemption loan can be issued to the seller user according to the amount of the loan already taken.

[0064] In addition, after the buyer user and the seller user complete the transfer of ownership, the mortgage loan amount and the escrow funds of the buyer user can first repay the seller user's redemption loan, and then the remaining amount can be issued to the seller user to complete the transaction.

[0065] In the embodiment of the present application, the financial services required by the buyer user and the seller user during the commodity transaction process do not require the buyer user and the seller user to agree to handle them at the location of the financial institution at the same time. Online handling is sufficient, which enhances the user experience. In addition, all qualification verification data can be obtained through the blockchain, without the need for the buyer user and the seller user to frequently travel between the financial institution and various institutions, improving the efficiency of commodity transactions. Finally, by storing the qualification certification data through the blockchain, the security of the data can be improved.

[0066] Based on the above embodiments, the embodiment of the present application provides another blockchain-based financial management method, specifically referring to Figure 3 , and this blockchain-based financial management method is applied to financial institutions, and specifically includes the following steps:

[0067] S301, create a blockchain.

[0068] The blockchain includes: a first node corresponding to at least one third-party institution, a second node corresponding to an intermediary institution, and a third node corresponding to a financial institution. The third node is the central node of the blockchain, and the blockchain is used to encrypt and save the data uploaded by each node.

[0069] Specifically, the financial institution can create a blockchain and then send invitation information to the intermediary institution and each third-party institution. After receiving the invitation information, the financial institution and the third-party institution can join the blockchain according to the invitation information, thereby establishing a cooperative relationship among the financial institution, the intermediary institution, and the third-party institution, and taking the third node corresponding to the financial institution as the central node of the blockchain.

[0070] In addition, the data uploaded by the financial institution, the intermediary institution, and each third-party institution to the blockchain needs to be encrypted by the blockchain. The encryption methods include: Secure Multi-party Computation (MPC), which is a cryptographic technology based on multi-party data collaboration to complete a computing goal and ensure that no private data of each party is leaked except for the computing results and the information derived therefrom. The technologies adopted by Secure Multi-party Computation include Garbled Circuit (GC), Oblivious Transfer (OT), Secrete Sharing (SS), Homomorphic Encryption (HE), Differential Privacy (DP), etc.

[0071] In the embodiment of the present application, the financial institution can send application requests for the required data to the intermediary institution and each third-party institution respectively. After the intermediary institution and each third-party institution obtain the application requests, they can upload the corresponding data to the blockchain for the financial institution to obtain and use.

[0072] S302, receiving a financial service request sent by the intermediary institution through the second node.

[0073] Among them, the blockchain includes a second node, and the intermediary institution is used to serve the transactions of the buyer user and the seller user for the transaction object.

[0074] In the embodiment of the present application, the intermediary institution packages and uploads the buyer user information, the seller user information, and the transaction object to the blockchain for the financial institution to obtain.

[0075] In addition, the authenticity of the identities of both parties can be determined first for the first identity information of the buyer user and the second identity information of the seller user.

[0076] S303. Obtain the first credit information in the blockchain according to the mortgage loan demand information and the first identity information.

[0077] Among them, the first credit information is uploaded to the blockchain by the credit agency for the first identity information. The buyer user information includes: the first identity information of the buyer user and the mortgage loan demand information; the third-party institutions include: the credit agency and the appraisal agency; the qualification verification data includes: the first credit information of the buyer user and the valuation information of the trading object.

[0078] Specifically, the mortgage loan demand information determines that the credit information of the buyer user needs to be obtained, and the first identity information determines that the first credit information corresponding to the first identity information needs to be obtained.

[0079] In the embodiment of the present application, it may also be that the account manager determines the corresponding business type through the financial business request, such as "fund custody", "fund custody + mortgage loan", "fund custody + redemption loan", "fund custody + mortgage loan + redemption loan". The server corresponding to the financial institution obtains the business type determined by the account manager. If the business type includes a mortgage loan, the first credit information of the buyer user is obtained in the blockchain.

[0080] In addition, if the first credit information is not obtained in the blockchain, a first credit information request may be sent to the credit agency. The first credit information request is used to request the credit agency to upload the first credit information to the blockchain for the financial institution to obtain.

[0081] S304. Obtain the valuation information in the blockchain according to the mortgage loan demand information and the trading object.

[0082] Among them, the valuation information is uploaded to the blockchain by the appraisal agency for the trading object.

[0083] In the embodiment of the present application, if the buyer user has a mortgage loan demand, the first loan amount of the buyer user for the traded commodity needs to be determined. Therefore, the valuation information (valuation amount) of the trading object needs to be obtained. In the embodiment of the present application, the valuation information is uploaded to the blockchain by the appraisal agency, which can ensure the accuracy of the valuation information and avoid the problem of over-loaning.

[0084] Furthermore, for the provident fund loan of real estate, the third-party institution also includes: the social security management institution. Then the social security information can be obtained in the blockchain, and the social security information is uploaded to the blockchain by the social security management institution. The financial institution can determine the loan interest rate of the buyer user according to the social security management institution.

[0085] In addition, for the valuation amount of real estate, it is generally evaluated by the appraisal agency according to the surrounding situation of the real estate and the similar transaction data.

[0086] S305. Obtain the corresponding loan amount already taken in the blockchain according to the redemption loan demand information and the second identity information.

[0087] Among them, the seller user information includes: the second identity information of the seller user and the redemption loan demand information; the third-party institutions include: guarantee institutions; the qualification verification data includes: the loan amount already taken by the seller user for the trading object; the loan amount already taken is uploaded to the blockchain by the guarantee institution for the trading object and the second identity information.

[0088] In the embodiment of the present application, if the seller user needs to redeem the loan, it is possible to first determine whether the original loan for the traded goods is in the current financial institution. If so, obtain the principal and interest of the original loan (the loan amount already taken) in the current financial institution. If the original loan is in other financial institutions, the loan amount already taken is the amount confirmed by the guarantee institution and uploaded by the guarantee institution to the blockchain for the current financial institution to obtain.

[0089] In addition, the amount of the redemption loan issued to the seller user is the same as the loan amount already taken.

[0090] S306. Obtain the corresponding transfer information in the blockchain according to the real estate. The transfer information is uploaded to the blockchain by the real estate transfer management institution for the real estate.

[0091] Among them, if the trading object is real estate, the third-party institutions include: real estate transfer management institutions.

[0092] In the embodiment of the present application, before S306, it further includes: sending the authorization agreement to the buyer user and the seller user, and after the buyer user and the seller user sign the authorization agreement online, save it to the database. Among them, the authorization agreement is watermarked and electronically signed. Then, during this period, the seller user needs to use the redemption loan to repay the original loan, and then the buyer user and the seller user need to handle the real estate transfer at the transfer management institution. After the real estate transfer is completed, the transfer management institution uploads the transfer information to the blockchain for the financial institution to obtain.

[0093] The embodiment of the present application can be applied in the process of real estate transactions, greatly improving the efficiency of real estate transactions.

[0094] S307. If the first credit information meets the credit requirements, determine the first loan amount issued to the buyer user according to the valuation information.

[0095] Among them, the buyer user information further includes: the fund escrow amount of the buyer user.

[0096] After the transfer of the transaction object is completed between the buyer user and the seller user, the financial institution determines the first loan amount for the buyer user. Among them, the first loan amount = appraisal amount * loan coefficient. In addition, the financial institution also needs to confirm the loan term corresponding to the first loan amount.

[0097] S308, determine the target amount according to the first loan amount, the escrow amount, and the redemption loan amount.

[0098] Among them, the redemption loan amount is issued to the seller user according to the already-loaned amount.

[0099] S309, disburse the funds of the target amount to the account of the seller user.

[0100] Specifically, the financial institution handles the mortgage registration for the buyer user, uploads the new property information after transfer to the blockchain, and the transfer management institution obtains this new property information. If the property is for a provident fund loan, it is also necessary to query the buyer user's provident fund historical loan situation through the social security management institution. Then, the mortgage loan is automatically disbursed to the buyer user, and the mortgage loan amount and the escrow funds of the buyer user are transferred to the intermediate account. After the mortgage loan amount and the escrow funds repay the seller user's redemption loan, the remaining funds of the target amount are transferred to the account of the seller user.

[0101] The embodiments of this application have the following technical effects:

[0102] 1. Based on rich data support, through the multi-party secure computing of various institutions, the security, confidentiality, and integrity of the sensitive data of the buyer user and the seller user are ensured, and the trust degree and data sharing ability of each institution are improved. In addition, by using the consortium blockchain, the financial institution can obtain multi-dimensional and authoritative qualification verification data in real time, omitting the data collection process, ensuring the authenticity of the data, preventing malicious tampering, and reducing credit risks.

[0103] 2. By using the verification of identity information and the acquisition of credit information, high-risk borrowers can be automatically identified and excluded. And the intermediary institution automatically pushes the information of the buyer user, the seller user, and the transaction object with financial needs to the financial institution through the blockchain, improving the efficiency of business handling and customer acquisition, and solving the standardization problem and accuracy problem of the account manager filling in information manually offline;

[0104] 3. The account manager, buyer users, and seller users all operate online. Online self-service applications replace manual counter entry, system approvals replace original manual reviews and approvals, and system-automatic triggered loan disbursements replace offline manual loan disbursements. The process is short, the loan disbursement is fast, achieving fully automated operation of the entire process, reducing manual work, saving labor and time costs, and improving the efficiency of business handling. In addition, it can automatically verify the consistency of the seller user's cardholder information, replacing manual verification, which not only improves the reliability of information but also reduces the workload of manual verification.

[0105] 4. The processes of fund custody, mortgage loans, and redemption loans (including redemption loans for real estate) are completed without leaving home, greatly reducing the frequent trips to the counter caused by factors such as incomplete materials and inconsistent times of the buyer user and the seller user. Thus, the house purchase and sale are time-saving and labor-saving, improving the convenience of the house transaction for both the buyer and the seller.

[0106] 5. The three business models (fund custody, mortgage loans, and redemption loans) are interconnected to form a capital closed-loop. The redemption loan repays the original mortgage loan of the seller user, and the escrow funds and the buyer user's mortgage loan repay the redemption loan. The automatic trigger of the fund custody mode can eliminate risks such as the possible insufficient repayment source of the redemption loan, the authenticity risk of the down payment, and the authenticity risk of the guarantee institution's letter of guarantee that existed in the original offline process.

[0107] 6. Financial institutions can also provide online inquiries about monthly repayment situations, principal balances, etc., improving the convenience of use and the user experience. In addition, loan information is uploaded to the consortium blockchain to form a complete and traceable real estate transaction information closed-loop.

[0108] Refer to Figure 4 , which is a schematic diagram of a blockchain-based financial management device provided for an embodiment of this application, applied to a financial institution. The blockchain-based financial management device 40 includes:

[0109] A receiving module 401, configured to receive a financial business request, where the financial business request includes: buyer user information, seller user information, and a transaction object;

[0110] An obtaining module 402, configured to obtain corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the transaction object, where the qualification verification data is uploaded to the blockchain by the corresponding third-party institution through the first node of the blockchain;

[0111] A processing module 403, configured to respond to the financial business request when the qualification verification data meets the financial requirements.

[0112] In an embodiment of the present application, the buyer user information includes: the first identity information of the buyer user and mortgage loan demand information; the third-party institutions include: credit investigation institutions and evaluation institutions; the qualification verification data includes: the first credit information of the buyer user and the valuation information of the transaction object. The obtaining module 402 is specifically configured to: obtain the first credit information in the blockchain according to the mortgage loan demand information and the first identity information, where the first credit information is uploaded to the blockchain by the credit investigation institution for the first identity information; obtain the valuation information in the blockchain according to the mortgage loan demand information and the transaction object, where the valuation information is uploaded to the blockchain by the evaluation institution for the transaction object.

[0113] In an embodiment of the present application, the seller user information includes: the second identity information of the seller user and redemption loan demand information; the third-party institution includes: a guarantee institution; the qualification verification data includes: the loan amount already obtained by the seller user for the transaction object. According to the buyer user information, the obtaining module 402 is specifically configured to: obtain the corresponding loan amount already obtained in the blockchain according to the redemption loan demand information and the second identity information, where the loan amount already obtained is uploaded to the blockchain by the guarantee institution for the transaction object and the second identity information.

[0114] In an embodiment of the present application, if the transaction object is a property, the third-party institutions include: a property transfer management institution. The obtaining module 402 is further specifically configured to: obtain the corresponding transfer information in the blockchain according to the property, where the transfer information is uploaded to the blockchain by the property transfer management institution for the property.

[0115] In an embodiment of the present application, the buyer user information further includes: the fund escrow amount of the buyer user. The processing module 403 is specifically configured to: if the first credit information meets the credit requirements, determine the first loan amount issued to the buyer user according to the valuation information; determine the target amount according to the first loan amount, the fund escrow amount, and the redemption loan amount, where the redemption loan amount is issued to the seller user according to the loan amount already obtained; and transfer the funds of the target amount to the account of the seller user.

[0116] In an embodiment of the present application, the receiving module 401 is specifically configured to: receive a financial service request sent by an intermediary institution through a second node. The blockchain includes the second node, and the intermediary institution is used to serve the transaction of the buyer user and the seller user for the transaction object.

[0117] In an embodiment of the present application, the financial management device 40 based on the blockchain further includes:

[0118] A creation module (not shown) is used to create a blockchain, which includes: a first node corresponding to at least one third-party institution, a second node corresponding to an intermediary institution, and a third node corresponding to a financial institution. The third node is the central node of the blockchain, and the blockchain is used to encrypt and save the data uploaded by each node.

[0119] Specifically, for the specific working content of each module of the financial management device based on the blockchain, please refer to the content of the embodiments of the above-mentioned financial management method of the blockchain, which will not be elaborated here.

[0120] It should be noted that it should be understood that the division of each module of the above device is only a logical function division. In actual implementation, it can be fully or partially integrated into a physical entity, or physically separated. And these modules can all be implemented in the form of software called by a processing element; they can also all be implemented in the form of hardware; or some modules can be implemented in the form of software called by a processing element, and some modules can be implemented in the form of hardware. For example, the processing module can be a separately established processing element, or can be integrated in a certain chip of the above device. In addition, it can also be stored in the memory of the above device in the form of program code, and called and executed by a certain processing element of the above device to perform the functions of the above processing module. The implementation of other modules is similar. In addition, all or part of these modules can be integrated together or can be independently implemented. Here, the processing element can be an integrated circuit with signal processing capabilities. In the implementation process, each step of the above method or each of the above modules can be completed by the integrated logic circuit in the processor element or the instruction in the form of software.

[0121] For example, the above modules can be one or more integrated circuits configured to implement the above method, such as: one or more application specific integrated circuits (ASICs), or, one or more digital signal processors (DSPs), or, one or more field programmable gate arrays (FPGAs), etc. Again, when a certain module above is implemented in the form of a processing element scheduling program code, the processing element can be a general-purpose processor, such as a central processing unit (CPU) or other processors that can call program code. Again, these modules can be integrated together to be implemented in the form of a system-on-a-chip (SOC).

[0122] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. 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 the computer program instructions are loaded and executed on a computer, the processes or functions according to the embodiments of the present application are 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. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by wire (such as coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (such as infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that the computer can access or a data storage device such as a server or data center that includes one or more integrated available media. The available medium can be a magnetic medium (such as a floppy disk, hard disk, magnetic tape), an optical medium (such as a DVD), or a semiconductor medium (such as a solid state disk (SSD)), etc.

[0123] Figure 5 Schematic diagram of the structure of the electronic device provided in the embodiments of the present application. Among them, the electronic device can specifically be a bank server or a blockchain platform. As Figure 5 shown, the electronic device can include: a processor 51, a memory 52, a communication interface 53, and a system bus 54. Among them, the memory 52 and the communication interface 53 are connected to the processor 51 through the system bus 54 and complete communication with each other. The memory 52 is used to store computer execution instructions, the communication interface 53 is used to communicate with other devices, and when the processor 51 executes the above computer execution instructions, the solutions of the above embodiments are implemented.

[0124] The Figure 5The system bus mentioned above can be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The system bus can be divided into an address bus, a data bus, a control bus, etc. For the sake of representation, only a thick line is used in the figure, but it does not mean that there is only one bus or one type of bus. The communication interface is used to implement communication between the database access device and other devices (such as clients, read-write libraries, and read-only libraries). The memory may include Random Access Memory (RAM), and may also include non-volatile memory, such as at least one disk memory.

[0125] The above-mentioned processor can be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components.

[0126] Optionally, an embodiment of the present application further provides a computer-readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, the electronic device is caused to execute the method of the embodiment as described above Figures 2 to 3 shown in the embodiment.

[0127] Optionally, an embodiment of the present application further provides a computer program product, on which a computer program is stored. When the computer program is executed by a processor, the electronic device is caused to execute the method of the embodiment as described above Figures 2 to 3 shown in the embodiment.

[0128] In the present application, "at least one" means one or more, and "a plurality" means two or more. "And / or" describes the association relationship of associated objects, indicating that there can be three relationships. For example, A and / or B can represent: A exists alone, A and B exist simultaneously, and B exists alone, where A and B can be singular or plural. The character " / " generally represents an "or" relationship between the associated objects before and after; in a formula, the character " / " represents a "division" relationship between the associated objects before and after. "At least one (item)" or its similar expression refers to any combination of these items, including any combination of single item (item) or plural items (items). For example, at least one (item) of a, b, or c can represent: a, b, c, a - b, a - c, b - c, or a - b - c, where a, b, and c can be single or multiple.

[0129] It should be understood that the various numerical numbers involved in the embodiments of the present application are only for the convenience of description and are not used to limit the scope of the embodiments of the present application. In the embodiments of the present application, the magnitudes of the serial numbers of the above processes do not mean the sequence of execution, and the execution sequence of each process should be determined by its function and internal logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.

[0130] Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: they can still modify the technical solutions described in the foregoing embodiments, or perform equivalent replacements on some or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A financial management method based on blockchain, characterized in that, Applied to financial institutions, the blockchain-based financial management method includes: Receiving a financial business request, the financial business request including: buyer user information, seller user information, and a transaction object, where the buyer user information includes: the first identity information of the buyer user, the fund custody and / or mortgage loan demand information, and the transaction object; the seller user information includes: the second identity information of the seller user, the redeemed loan demand information, and the transaction object, and the transaction object in the buyer user information and the transaction object in the seller user information may be the same transaction object; Obtaining corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the transaction object, the qualification verification data being uploaded to the blockchain by a corresponding third-party institution through the first node of the blockchain; If the qualification verification data meets the financial requirements, responding to the financial business request; The third-party institution includes: a credit investigation institution and an evaluation institution; the qualification verification data includes: the first credit information of the buyer user and the valuation information of the transaction object, and the obtaining of the corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the transaction object includes: If the buyer user information includes mortgage loan demand information, obtaining the first credit information in the blockchain according to the mortgage loan demand information and the first identity information, the first credit information being uploaded to the blockchain by the credit investigation institution for the first identity information; Obtaining the valuation information in the blockchain according to the mortgage loan demand information and the transaction object, the valuation information being uploaded to the blockchain by the evaluation institution for the transaction object; The third-party institution includes: a guarantee institution; the qualification verification data includes: the loan amount already obtained by the seller user for the transaction object; and the obtaining of the corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the transaction object includes: Obtaining the corresponding loan amount already obtained in the blockchain according to the redeemed loan demand information and the second identity information, the loan amount already obtained being uploaded to the blockchain by the guarantee institution for the transaction object and the second identity information; If the buyer user information further includes a fund custody amount, the if the qualification verification data meets the financial requirements, responding to the financial business request includes: If the first credit information meets the credit investigation requirements, determining the first loan amount to be issued to the buyer user according to the valuation information; Determining a target amount according to the first loan amount, the fund custody amount, and the redeemed loan amount, the redeemed loan amount being issued to the seller user according to the loan amount already obtained; Issuing the funds of the target amount to the account of the seller user.

2. The financial management method based on blockchain according to claim 1, characterized in that, If the transaction object is real estate, the third-party institutions include: a real estate transfer management institution, which obtains corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the transaction object, and further includes: Obtaining corresponding transfer information in the blockchain according to the real estate, where the transfer information is uploaded to the blockchain by the real estate transfer management institution for the real estate.

3. The financial management method based on blockchain according to claim 1 or 2, characterized in that, The receiving of the financial service request includes: Receiving a financial service request sent by an intermediary institution through a second node, where the blockchain includes the second node, and the intermediary institution is used to serve the transaction of the buyer user and the seller user for the transaction object.

4. The financial management method based on blockchain according to claim 1 or 2, characterized in that, Before receiving the financial service request, it further includes: Creating the blockchain, which includes: at least one first node corresponding to a third-party institution, a second node corresponding to an intermediary institution, and a third node corresponding to the financial institution, where the third node is the central node of the blockchain, and the blockchain is used to encrypt and save the data uploaded by each node.

5. A financial management device based on blockchain, characterized in that, Applied to a financial institution, the blockchain-based financial management device includes: A receiving module, configured to receive a financial service request, where the financial service request includes: buyer user information, seller user information, and a transaction object. Among them, the buyer user information includes: the first identity information of the buyer user, the fund custody and / or mortgage loan demand information, and the transaction object; the seller user information includes: the second identity information of the seller user, the redemption loan demand information, and the transaction object. The transaction object in the buyer user information and the transaction object in the seller user information may be the same transaction object. An obtaining module, configured to obtain corresponding qualification verification data in the blockchain according to the buyer user information, the seller user information, and the transaction object, where the qualification verification data is uploaded to the blockchain by the corresponding third-party institution through the first node of the blockchain. A processing module, configured to respond to the financial service request when the qualification verification data meets the financial requirements. The third-party institutions include: a credit investigation institution and an evaluation institution; the qualification verification data includes: the first credit investigation information of the buyer user and the valuation information of the transaction object. The obtaining module is specifically configured to, if the buyer user information includes mortgage loan demand information, obtain the first credit investigation information in the blockchain according to the mortgage loan demand information and the first identity information, where the first credit investigation information is uploaded to the blockchain by the credit investigation institution for the first identity information; obtain the valuation information in the blockchain according to the mortgage loan demand information and the transaction object, where the valuation information is uploaded to the blockchain by the evaluation institution for the transaction object. The third-party institution includes: a guarantee institution; the qualification verification data includes: the loan amount already obtained by the seller user for the transaction object, and the obtaining module is specifically configured to obtain the corresponding loan amount already obtained in the blockchain according to the redemption loan demand information and the second identity information, and the loan amount already obtained is uploaded to the blockchain by the guarantee institution for the transaction object and the second identity information; If the buyer user information further includes a fund custody amount, the processing module is specifically configured to, if the first credit information meets the credit requirements, determine the first loan amount to be issued to the buyer user according to the valuation information; determine the target amount according to the first loan amount, the fund custody amount, and the redemption loan amount, and the redemption loan amount is issued to the seller user according to the loan amount already obtained; and issue the funds of the target amount to the account of the seller user.

6. An electronic device, characterized in that, including a memory and a processor; wherein, the memory is used for storing program codes; the processor is used for calling the program codes to implement the blockchain-based financial management method according to any one of claims 1 to 4.

7. A computer-readable storage medium, on which a computer program is stored, characterized in that, When the computer program is executed by the processor, the electronic device is caused to execute the blockchain-based financial management method according to any one of claims 1 to 4.

8. A computer program product, on which a computer program is stored, characterized in that,When the computer program is executed by the processor, the electronic device is caused to execute the blockchain-based financial management method according to any one of claims 1 to 4.

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