Blockchain-based Annuity Plan Reconciliation Method, Device, Equipment and Medium

Abstract

An embodiment of the present application provides a reconciliation method, device, equipment and medium for an annuity plan based on a blockchain. The method is applied to a blockchain composed of a trustee node and a custodian node. The trustee node is linked to the blockchain through an annuity service platform. The method includes: receiving a trustee business transaction record and an accounting voucher accounting rule belonging to a target annuity plan uploaded by the trustee node through the annuity service platform, where the accounting voucher accounting rule is a rule for recording the trustee's business transactions; generating multiple trustee business accounting vouchers based on the accounting rules, and each trustee business accounting voucher corresponds to an annuity business change record in the trustee business transaction record; receiving multiple custodian accounting vouchers of the target annuity plan uploaded by the custodian node, and each custodian accounting voucher is an annuity business change record of the target annuity plan; reconciling each trustee business accounting voucher and each custodian accounting voucher in turn, and outputting a reconciliation result.

Description

Technical Field

[0001] This application relates to the field of blockchain technology, and in particular, to a reconciliation method, device, equipment and medium for annuity plans based on blockchain. Background Art

[0002] Enterprise annuity is a supplementary pension system, which refers to a supplementary pension insurance system independently established by enterprises and their employees on the basis of participating in basic old-age insurance according to law. When operating enterprise annuities, generally under the supervision of the banking and insurance regulatory commission, the principal initiates and the trustee manages the enterprise annuity. In the actual operation process, in addition to the principal and the trustee, it also involves the custodian, the custodian, the investment manager, the account manager, etc.

[0003] According to the relevant regulations of enterprise annuities, the accounting requirements for enterprise annuities are clarified. Among them, the accounting requirements for enterprise annuities stipulate that the trustee needs to monthly reconcile the accounting statement data such as the "Statement of Balance of Entrusted Accounts", "Balance Sheet" and "Statement of Changes in Net Assets" provided by the custodian.

[0004] In the related art, the reconciliation of accounting statement data is all offline reconciliation between the trustee and the custodian. Specifically, a large number of people are organized to repeatedly reconcile. If the reconciliation is inconsistent, the custodian and the trustee jointly find the reason. If the reason for the inconsistency is the abnormal assets of the trustee, the trustee and the custodian need to reach an agreement on the handling method, and then the two parties coordinate with the principal or the investment manager to jointly decide the handling method. The above processes are all carried out offline, with complex processes and poor timeliness. Manual reconciliation is very time-consuming and not intelligent enough, and there are human operation risks, which is not conducive to the verification and utilization of entrusted account assets. Summary of the Invention

[0005] In order to solve the above problems, this application provides a reconciliation method, device, electronic equipment and medium for annuity plans based on blockchain, aiming to improve the efficiency and accuracy of the reconciliation of accounting statement data.

[0006] In the first aspect of the embodiments of this application, a reconciliation method for annuity plans based on blockchain is provided. The method is applied to a blockchain composed of a trustee node and a custodian node. The trustee node is linked to the blockchain through an annuity service platform. The method includes:

[0007] Receiving the entrusted business transaction records and accounting voucher recording rules belonging to the target annuity plan uploaded by the trustee node through the annuity service platform; wherein, the accounting voucher recording rule is a rule for recording the business transactions of the trustee;

[0008] Based on the accounting rules, generate multiple trust business accounting vouchers for the trust business transaction records, where each trust business accounting voucher corresponds to one annuity business change record in the trust business transaction records;

[0009] Receive multiple custody accounting vouchers uploaded by the custody node for the target annuity plan, where each custody accounting voucher is an annuity business change record of the target annuity plan recorded by the custody node;

[0010] Reconcile each trust business accounting voucher with the corresponding custody accounting voucher in sequence, and output the reconciliation result.

[0011] Optionally, the blockchain further includes a principal node, and the method further includes:

[0012] Receive a trust business instruction sent by the trustee node, where the trust business instruction is generated by the trustee node based on a business application request of the principal node for the target annuity plan;

[0013] Send the trust business instruction to the custody node, and receive the custody online banking transaction record uploaded by the custody node based on the trust business instruction;

[0014] Perform account matching on the custody online banking transaction record and the trust business transaction record;

[0015] Based on the accounting rules, generate multiple trust business accounting vouchers for the trust business transaction records, including:

[0016] In the case where the account matching is passed, generate multiple trust business accounting vouchers for the trust business transaction records based on the accounting rules.

[0017] Optionally, the method further includes:

[0018] In the case where the reconciliation result indicates a successful reconciliation, generate an asset accounting statement for the target annuity plan based on the trust business transaction records;

[0019] Update the trustee account asset and liability information table, and / or the trustee account net asset change information table of the target annuity plan based on the trust business transaction records.

[0020] Optionally, the blockchain includes a principal node and an investment management node, and the method further includes:

[0021] Set a first permission for the asset accounting statement, so that the principal node can obtain the asset accounting statement based on the permission;

[0022] Set respective second permissions for the entrusted account asset-liability information table and the entrusted account net asset change information table, so that the entrusting node and the investment management node can obtain the entrusted account asset-liability information table and the entrusted account net asset change information table based on the permissions.

[0023] Optionally, reconcile each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers in sequence, including:

[0024] Based on a pre-stored smart contract, reconcile each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers in sequence;

[0025] Wherein, the smart contract has the joint signatures of the entrusted node and the custodian node, and is uploaded to the blockchain by the entrusted node.

[0026] Optionally, the method further includes:

[0027] In the case where the reconciliation result is a result indicating unsuccessful reconciliation, determine the target entrusted business accounting voucher with unsuccessful reconciliation from the multiple entrusted business accounting vouchers;

[0028] Send the target entrusted business accounting voucher to the entrusting node;

[0029] When receiving the confirmation instruction feedback by the entrusting node for the target entrusted business accounting voucher, determine the target entrusted business accounting voucher as a record with successful reconciliation, and update the reconciliation result to a result indicating successful reconciliation.

[0030] Optionally, reconcile each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers in sequence, including:

[0031] Extract the entrusted business accounting vouchers and the entrusted business accounting vouchers belonging to the same business change;

[0032] Compare the transaction amounts of the entrusted business accounting vouchers and the entrusted business accounting vouchers belonging to the same business change respectively, so as to reconcile each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers.

[0033] In the second aspect of the embodiments of the present application, a blockchain-based annuity plan reconciliation device is provided. The device is applied to a blockchain composed of an entrusted node and a custodian node. The entrusted node is linked to the blockchain through an annuity service platform. The device includes:

[0034] The first record receiving module is used to receive the entrusted business transaction records and accounting voucher recording rules belonging to the target annuity plan uploaded by the entrusted node through the annuity service platform; wherein, the accounting voucher recording rule is a rule for recording the entrusted party's business transactions.

[0035] The voucher generation module is used to generate multiple entrusted business accounting vouchers for the entrusted business transaction records based on the accounting recording rules, wherein each entrusted business accounting voucher corresponds to an annuity business change record in the entrusted business transaction records.

[0036] The second record receiving module is used to receive multiple custody accounting vouchers of the target annuity plan uploaded by the custody node, and each custody accounting voucher is an annuity business change record of the target annuity plan recorded by the custody node.

[0037] The reconciliation module is used to reconcile each entrusted business accounting voucher and the corresponding custody accounting voucher in turn, and output the reconciliation result.

[0038] In the third aspect of the embodiments of the present application, an electronic device is provided, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes, it implements the blockchain-based annuity plan reconciliation method as described in the first aspect.

[0039] In the fourth aspect of the embodiments of the present application, a computer-readable storage medium is provided, and the computer program stored thereon enables the processor to execute the blockchain-based annuity plan reconciliation method as described in the first aspect.

[0040] Adopting the technical solution of the embodiments of the present application has at least the following advantages:

[0041] In the embodiments of the present application, the entrusted node and the custody node can form a blockchain, and then the blockchain completes the reconciliation. Specifically, it can receive the entrusted business transaction records and accounting voucher recording rules of the target annuity plan uploaded by the entrusted node, and then generate multiple entrusted business accounting vouchers for the entrusted business transaction records based on the accounting voucher recording rules; then, reconcile the multiple custody accounting vouchers of the target annuity plan uploaded by the custody node and each entrusted business accounting voucher, and output the reconciliation result.

[0042] On the one hand, since the reconciliation is performed on the entrusted business accounting vouchers of the entrusted node and the custody accounting vouchers uploaded by the custody node in the blockchain, the reconciliation process is completed by the blockchain without manual participation in the reconciliation, thus simplifying the business process and improving the efficiency and accuracy of the reconciliation.

[0043] On the other hand, since the accounting rules are uploaded based on the entrusted nodes, multiple entrusted business accounting vouchers for the entrusted business transaction records are generated. Then, based on the entrusted accounting vouchers uploaded by the custodian nodes, the multiple entrusted business accounting vouchers are reconciled. Since each entrusted business accounting voucher corresponds to an annuity business change record in the entrusted business transaction record, and each entrusted accounting voucher is an annuity business change record of the target annuity plan recorded by the custodian node, the reconciliation in this application is at the granularity of accounting vouchers. Therefore, the reconciliation efficiency is high, and the traceability of the records with inconsistent accounts can be achieved, thereby further improving the efficiency and accuracy of the reconciliation. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings required for use in the embodiments or related technical descriptions. 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.

[0045] Figure 1 is a schematic diagram of the communication environment applied to the annuity plan reconciliation method based on blockchain in an embodiment of the present application;

[0046] Figure 2 is a schematic flowchart of the steps of an annuity plan reconciliation method based on blockchain shown in an embodiment of the present application;

[0047] Figure 3 is a schematic overall flowchart of another annuity plan reconciliation method based on blockchain shown in an embodiment of the present application;

[0048] Figure 4 is a schematic flowchart of the steps for auditing the entrusted business transaction records and the custodian online banking transaction records shown in an embodiment of the present application;

[0049] Figure 5 is a schematic flowchart of the process for applying the results of the annuity plan reconciliation shown in an embodiment of the present application;

[0050] Figure 6 is a schematic framework diagram of an annuity plan reconciliation device based on blockchain shown in an embodiment of the present application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0051] The following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are some, but not all, of the embodiments of the present application. All other embodiments obtained by those of ordinary skill in the art without creative efforts based on the embodiments of the present application belong to the scope of protection of the present application.

[0052] It should be noted that the terms "first", "second", etc. in the description, claims and above-mentioned drawings of this application are used to distinguish similar objects, and do not necessarily describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so that the embodiments of this application described here can be implemented in an order other than those illustrated or described here. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. On the contrary, they are only examples of devices and methods consistent with some aspects of this application as detailed in the appended claims.

[0053] In view of the problems of complex process, low efficiency and unreliability in offline manual reconciliation in the related art, this application proposes a technical concept to solve the above problems: a blockchain is constructed by the trustee node and the custodian node, and then reconciliation is performed in the blockchain to avoid the problems of complex process and low efficiency caused by manual reconciliation. At the same time, when performing reconciliation, reconciliation can be performed based on the voucher granularity, that is, based on each change record, so as to improve the accuracy and efficiency of reconciliation.

[0054] Refer to Figure 1 As shown, a schematic diagram of the communication environment to which the annuity plan reconciliation method based on blockchain provided by this application is applied is shown. As Figure 1 shown, it includes a trustee node, a custodian node, a principal node, and an investment management node. These trustee nodes, custodian nodes, principal nodes, and investment management nodes form a blockchain; among them, the trustee node is the node where the trustee is located, the custodian node is the node where the custodian is located, the principal node is the node where the principal is located, and the investment management node is the node where the investment manager is located.

[0055] In specific implementation, a "Enterprise Annuity Accounting Committee" (hereinafter referred to as the "Committee") composed of industry enterprise annuity trustees and custodians can be formed. The Committee is responsible for building the blockchain service, and each principal, trustee, custodian, and investor joins the blockchain to become nodes in the blockchain. Among them, the trustee node can provide services such as intelligent reconciliation of the trustee account and real-time access to the trustee asset information by the principal based on their respective annuity service platforms, and combined with setting the transaction permissions on the blockchain so that only the participating parties and processing parties are authorized to view, so as to achieve the effect of privacy protection.

[0056] As Figure 1As shown, the entrusted node can upload the accounting account information to the blockchain through the annuity service platform and obtain the entrusted business applications uploaded by the entrusting node from the blockchain; the custodian node can upload the initial accounting set, accounting statements, and custodial accounting vouchers to the blockchain and can confirm the account assets from the blockchain; the entrusting node can send entrusted business requests to the blockchain when annuity business needs to be conducted and obtain annuity account asset information from the blockchain; the investment management node can obtain investment account asset information from the blockchain. In this way, by forming a blockchain, the entrusted node, custodian node, entrusting node, and investment management node can carry out various online annuity businesses in the blockchain, especially enterprise annuity accounting business.

[0057] Among them, the entrusted node uploads the entrusted account accounting account to the blockchain through the annuity service platform. After the upload, the custodian node of the affiliated plan confirms the account assets and uploads the initial accounting set and asset accounting statements. Among them, only the principal and investment manager of the affiliated plan have the right to view the corresponding authorized information of the uploaded entrusted account accounting account, initial accounting set, and asset accounting statements. The entrusted account accounting account information is shown in Table 1-1 below. This entrusted account accounting account information table can be used to indicate the account information to be audited during subsequent reconciliation.

[0058] Table 1-1 Entrusted Account Accounting Account Information Table

[0059]

[0060] The field names in Table 1-1 refer to the field names of each piece of information in the entrusted account accounting account information, and the remarks column is a remarks description of the relevant fields in the entrusted account accounting account information. Such as remarks on the plan registration number, plan code, etc. If any, they are noted in the table; if not, they can be omitted.

[0061] Combined Figure 1 As shown, the annuity plan reconciliation method based on blockchain of the present application is introduced. Referring Figure 2 As shown, the step flow chart of the annuity plan reconciliation method based on blockchain of the present application is shown. As Figure 2 shown, it can specifically include the following steps:

[0062] Step S201: Receive the entrusted business transaction records and accounting voucher recording rules belonging to the target annuity plan uploaded by the entrusted node through the annuity service platform.

[0063] Among them, the accounting voucher recording rule is the rule for recording the business transactions of the entrusted party.

[0064] In this embodiment, the annuity service platform refers to the platform located at the trustee node. The trustee can conduct annuity trustee business on the annuity service platform. Among them, the target annuity plan refers to the annuity plan opened by the target principal with the trustee. Generally, a principal can open one annuity plan with the trustee.

[0065] Among them, the trustee business transaction record of the target annuity plan may refer to the record of the business handled by the trustee when processing the business entrusted by the principal. For example, when the principal A wants to invest in a certain stock A or wants to close a position, a sum of funds is allocated to the principal, hoping to initiate the position closing process. The trustee receives the position closing request, sends the relevant fund transfer business to the account administrator. After the account administrator deposits this sum of money into the principal's annuity plan account, it feedbacks to the trustee. Then the trustee generates an instruction to the custodian, and the custodian transfers this sum of funds to the investment manager's account. In this process, the trustee's handling of the position closing request forms the trustee business transaction record, and the custodian's handling of the fund transfer will form the online banking transaction record.

[0066] Among them, as shown in Table 1-2 below, Table 1-2 is the trustee business transaction record. As shown in Table 1-1, the trustee business transaction record includes information such as business type, business transaction number, business description, and amount change. Information such as amount change may include payable amount, receipt and payment amount, etc.

[0067] Table 1-2 Trustee Business Transaction Record

[0068]

[0069]

[0070] The field names in Table 1-2 refer to the field names of each piece of information in the trustee business transaction record. For example, the field name including the trustee plan number. The remarks column is the explanation of the relevant fields in the trustee business transaction record. If any, it is noted in the table. If not, it can be not noted.

[0071] Among them, the accounting voucher recording rules are uploaded by the trustee through the annuity service platform. This accounting voucher recording rule can be understood as the rule for recording each annuity business to form the trustee business transaction record, which stipulates how to record each annuity business. It can be understood that different trustees may have different accounting voucher recording rules.

[0072] Step S202: Generate multiple trustee business accounting vouchers for the trustee business transaction record based on the accounting recording rules.

[0073] Among them, each trustee business accounting voucher corresponds to one annuity business change record in the trustee business transaction record.

[0074] In this embodiment, since the accounting voucher recording rule is a rule for recording each annuity business to form a trust business transaction record, which stipulates how to record each annuity business. In practice, the trust business transaction record is generated after recording multiple business changes according to the accounting recording rule. Therefore, the trust business transaction record can be parsed according to the accounting recording rule to obtain multiple trust business accounting vouchers that form the trust business transaction record.

[0075] Among them, each trust business accounting voucher records an annuity business change record. For example, it records a fund transfer record, a payment record, a deduction record, etc.

[0076] Step S203: Receive multiple custody accounting vouchers of the target annuity plan uploaded by the custody node. Each custody accounting voucher is an annuity business change record of the target annuity plan recorded by the custody node.

[0077] In the annuity plan, for each business request of the client, the trustee node will form a trust business accounting voucher. In an enterprise annuity, the custodian refers to a commercial bank or professional institution entrusted by the trustee to hold the enterprise annuity fund property. The custodian will set up accounts for different enterprise annuity fund properties it holds to ensure the integrity and independence of the fund property and submit the enterprise annuity fund custody and financial accounting reports to the trustee regularly.

[0078] In specific implementation, the trustee directly faces the client to generate multiple trust business accounting vouchers for annuity businesses such as payment, deduction, and fund transfer. The custodian, under the instruction of the trustee, conducts banking operations such as payment, deduction, and fund transfer on the annuity fund property accounts opened by the client to form a financial accounting report.

[0079] In this embodiment, the custody node will upload multiple custody accounting vouchers that form the financial accounting report. Among them, each custody accounting voucher is an annuity business change record of the target annuity plan recorded by the custody node, that is, each custody accounting voucher corresponds to an annuity business change record. For example, it records a fund transfer record, a payment record, a deduction record, etc.

[0080] Step S204: Reconcile each trust business accounting voucher with the corresponding custody accounting voucher in sequence and output the reconciliation result.

[0081] In this embodiment, a record of annuity business changes, for example, a fund transfer record, will generate a trust business accounting voucher at the trustee node and a corresponding custody accounting voucher at the custody node. Among them, for the same record of annuity business changes, the trust business accounting voucher and the custody accounting voucher both have the same business serial number. Therefore, based on the business serial number, the trust business accounting voucher and the custody accounting voucher belonging to the same record of annuity business changes can be reconciled.

[0082] Among them, in one embodiment, in specific implementation, the accounting information to be reconciled can be determined based on the trust account accounting information table, so that based on the accounting information to be reconciled, the accounting information to be reconciled in the trust business accounting voucher and the custody accounting voucher belonging to the same record of annuity business changes can be verified.

[0083] Among them, after the reconciliation is completed, the reconciliation result can be output. Among them, in the case of inconsistent accounting data, the trust business accounting voucher and the custody accounting voucher with inconsistent accounting will be output, so that the principal, trustee and custodian can organize offline personnel for offline reconciliation. When there is no inconsistent accounting data, the result of successful reconciliation can be output.

[0084] Adopting the technical solution of the embodiment of the present application to reconcile the trust business accounting voucher of the trustee node and the custody accounting voucher uploaded by the custody node in the blockchain, so that the reconciliation process is completed by the blockchain without manual participation in the reconciliation, thus simplifying the business process and improving the efficiency and accuracy of the reconciliation. And each trust business accounting voucher and custody accounting voucher is reconciled, which is equivalent to reconciling for each annuity business change, with a finer granularity. Therefore, the reconciliation efficiency is high, and the traceability of the records with inconsistent accounts can be achieved, thus further improving the efficiency and accuracy of the reconciliation.

[0085] In another embodiment, the process of reconciling each of the trust business accounting vouchers and the corresponding trust business accounting vouchers in sequence can be as follows:

[0086] First, extract the trust business accounting vouchers and trust business accounting vouchers belonging to the same business change, and compare the respective transaction amounts of the trust business accounting vouchers and trust business accounting vouchers belonging to the same business change, so as to reconcile each of the trust business accounting vouchers and the corresponding trust business accounting vouchers.

[0087] In this embodiment, the entrusted business accounting vouchers and entrusted business accounting vouchers belonging to the same business change may refer to: the entrusted business accounting vouchers and entrusted business accounting vouchers with the same business serial number. Of course, in some embodiments, the entrusted business accounting vouchers and entrusted business accounting vouchers with the same business serial number also have the same account name at the same time.

[0088] Among them, when conducting reconciliation, it is mainly to reconcile the respective transaction amounts of the entrusted business accounting vouchers and entrusted business accounting vouchers. The transaction amount may refer to the amount credited or debited, etc. Of course, in practice, in addition to reconciling the transaction amount, it is also possible to check the annuity business change items to confirm that the same business processing is executed by the custody node and the entrusted node.

[0089] In another embodiment, a smart contract can be used for reconciliation. Specifically, the specific process of sequentially reconciling each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers may be: based on the pre-stored smart contract, sequentially reconciling each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers.

[0090] Among them, the smart contract has the common signatures of the entrusted node and the custody node, and is uploaded to the blockchain by the entrusted node.

[0091] In this embodiment, the smart contract can be jointly formulated by the entrusted node and the custody node, then signed with their respective signatures, and uploaded to the blockchain by the entrusted node. Among them, a smart contract is a computer protocol designed to spread, verify, or execute a contract in an information-based manner, and is a computer-readable code solidified into the blockchain. When the smart contract is generated, when the blockchain detects a trigger event that conforms to the smart contract, the smart contract can be automatically triggered to run, so as to execute the corresponding event. Among them, the smart contract can allow trusted transactions without a third party, and these transactions are traceable and irreversible. Thus, when adopting this implementation method, the security and immutability of the reconciliation can be guaranteed through the smart contract.

[0092] Refer to Figure 3 As shown, it shows a schematic flowchart of a method for reconciling an annuity plan based on a blockchain in an embodiment of the present application. As Figure 3 As shown, in one embodiment, before generating multiple entrusted business accounting vouchers, it is possible to review the entrusted business transaction records uploaded by the entrusted node and the custody online banking transaction records uploaded by the custody node. Specifically, refer to Figure 4 As shown, it shows a step flowchart for reviewing the entrusted business transaction records and the custody online banking transaction records. As Figure 4 As shown, it may specifically include the following steps:

[0093] Step S401: Receive the entrusted business instruction sent by the entrusted node.

[0094] Among them, the entrusted business instruction is generated by the entrusted node based on the business application request of the entrusting node for the target annuity plan.

[0095] Generally speaking, the entrusting node will request a business application for the target annuity plan. For example, a payment application, a deduction application, a fund transfer application, a benefit payment application, etc. In this case, the entrusted node will form an entrusted business instruction based on the business application made by the entrusting node. This entrusted business instruction can be used to instruct the custody node, the investment management node, the account management node, etc. to perform corresponding business processing.

[0096] For example, for a benefit payment application, the entrusted business generates an entrusted business instruction to the custody node and the account management node to instruct the custody node to process the annuity fund account of the principal to record the online banking transaction details of this benefit payment. The account management node will transfer the corresponding funds for the corresponding benefit payment.

[0097] As Figure 3 shown, the principal can upload the entrusted business instruction to the blockchain. Then, after the investment management node obtains the entrusted business instruction, it can determine the corresponding assets of the account to which the target annuity plan belongs. After determining the assets, it can confirm with the custody node.

[0098] Step S402: Send the entrusted business instruction to the custody node and receive the custody online banking transaction record uploaded by the custody node based on the entrusted business instruction.

[0099] In this embodiment, after the entrusted node confirms and registers the business applied by the entrusting node, it submits the entrusted business instruction to the blockchain. Then, the custody node will obtain the entrusted business instruction from the blockchain. Among them, the custody node and the investment management node conduct corresponding annuity business according to the corresponding business authorities. Finally, the custody node generates the custody online banking transaction record, and the entrusted node generates the entrusted business transaction record.

[0100] As Figure 3 shown, the principal can upload the entrusted business instruction to the blockchain. Then, the custody node can obtain the entrusted business instruction from the blockchain. After executing the entrusted business instruction and after the result of the confirmation of the assets fed back by the custody node, it uploads the custody online banking transaction record to the blockchain.

[0101] Among them, the custody online banking transaction record refers to the online banking transaction record formed by the custody node processing the annuity fund property account opened by the principal for the annuity business to be processed.

[0102] As shown in Table 1-3, an information table of entrusted online banking transactions is shown. As shown in Table 1-2, the entrusted online banking transactions include information such as online banking transaction numbers, account names, and account numbers.

[0103] Table 1-3 Information Table of Entrusted Online Banking Transactions

[0104]

[0105] The field names in Table 1-3 refer to the field names of each piece of information in the information table of entrusted online banking transactions. For example, the field name including the entrusted plan number, and the value column is an explanatory note for the records in the entrusted online banking transactions. If there is any, it is noted in the table; if not, it can be not noted.

[0106] Step S403: Perform account matching on the entrusted online banking transaction records and the entrusted business transaction records.

[0107] In this embodiment, the account matching of the entrusted online banking transaction records and the entrusted business transaction records can be performed by a smart contract on the blockchain. Among them, when performing account matching, it can be to match whether the account names and annuity plan numbers in the entrusted online banking transaction records and the entrusted business transaction records are the same. If they are the same, the matching is successful; if not, the matching is unsuccessful.

[0108] Correspondingly, when generating multiple entrusted business accounting vouchers for the entrusted business transaction records based on the accounting recording rules, the multiple entrusted business accounting vouchers for the entrusted business transaction records can be generated based on the accounting recording rules when the account matching passes.

[0109] Among them, as Figure 3 shown, the accounting recording rules uploaded by the entrusted node can be compiled and generated by the entrusted node based on the entrusted account accounting rules, and the entrusted account accounting rules are compiled to indicate how to formulate the accounting recording rules.

[0110] When adopting this implementation method, the account matching of the entrusted online banking transaction records and the entrusted business transaction records can be performed to verify whether the entrusted online banking transaction records and the entrusted business transaction records are matching transaction records. If they are matching transaction records, then multiple entrusted business accounting vouchers for the entrusted business transaction records are generated according to the accounting recording rules, thus ensuring the accuracy of subsequent reconciliation.

[0111] Refer to Figure 5 shown, a schematic flowchart of applying the result of annuity plan reconciliation in the embodiment of the present application is shown. As Figure 5As shown, after successful reconciliation of each entrusted business accounting voucher and each custody accounting voucher, the business accounting vouchers can be calculated. The business accounting vouchers can refer to the entrusted business transaction records, thereby generating an entrusted account asset accounting statement (i.e., the asset accounting statement described below), and updating the corresponding entrusted account asset-liability information table and / or the entrusted account net asset change information table, and then submitting them to the principal for real-time viewing.

[0112] In specific implementation, when the reconciliation result indicates successful reconciliation, based on the entrusted business transaction records, an asset accounting statement of the target annuity plan can be generated.

[0113] After that, based on the entrusted business transaction records, the entrusted account asset-liability information table and / or the entrusted account net asset change information table of the target annuity plan are updated.

[0114] In this embodiment, the asset accounting statement can be generated based on the entrusted business transaction records after successful reconciliation. Among them, the asset accounting statement can be a reporting document that summarizes and comprehensively reflects the entrusted business transaction records in a certain tabular form. In this way, the entrusted business transaction records can be summarized and statistically analyzed according to a preset table style to obtain the asset accounting statement.

[0115] Among them, the entrusted account asset-liability information table represents the main accounting statement of the financial position (i.e., the status of assets, liabilities, and owner's equity) of the entrusted enterprise on a certain date (usually at the end of each accounting period). In addition to internal error correction, business direction determination, and prevention of malpractices within the enterprise, its reporting function also enables all readers to understand the business status of the enterprise in the shortest time.

[0116] As shown in Table 1-4, the entrusted account asset-liability information table is shown. As shown in Table 1-4, the entrusted account asset-liability information table may include information such as transaction category, annuity plan name, registration number, ending balance, and beginning balance.

[0117] Among them, the entrusted account net asset change information table represents the financial position of the net assets of the entrusted enterprise on a certain date (usually at the end of each accounting period). As shown in Table 1-5, the entrusted account net asset change information table is shown. As shown in Table 1-5, the entrusted account net asset change information table includes information such as transaction category, annuity plan name, registration number, current period amount, and current year amount.

[0118] Table 1-4 Entrusted Account Asset-Liability Information Table

[0119] Field Name Type Nullable Description Remarks appseriono VARCHAR2(24) N Transaction Serial Number transtype VARCHAR2(2) N Transaction Category planid VARCHAR2(30) Y Trustee Annuity Plan Code planname VARCHAR2(100) N Annuity Plan Name planlicid VARCHAR2(20) N Annuity Plan Registration Number itemcode VARCHAR2(50) N Item Code itemname VARCHAR2(100) N Item Name begbalance NUMBER(17,2) N Beginning Balance endbalance NUMBER(17,2) N Ending Balance statementdate VARCHAR2(8) N Report Date startdate VARCHAR2(8) N Start Date of Reporting Period enddate VARCHAR2(8) N End Date of Reporting Period currency VARCHAR2(3) Y Currency memo VARCHAR2(100) Y Abstract

[0120] Table 1-5 Entrusted Account Net Asset Change Information Table

[0121]

[0122]

[0123] The field names in Table 1-4 and Table 1-5 may refer to the field names of each piece of information in the report. The remarks are explanations of relevant records in the report, etc. If any, they should be noted in the table; if not, there is no need to make remarks.

[0124] In specific implementation, when updating the entrusted business transaction record according to the entrusted business transaction record, the ending balance, beginning balance, etc. in the entrusted account asset-liability information table can be calculated based on the entrusted business transaction record, and then the ending balance and beginning balance in the entrusted account asset-liability information table can be updated according to the calculated ending balance and beginning balance.

[0125] In specific implementation, when updating the entrusted account net asset change information table according to the entrusted business transaction record, the current period number and year-to-date number of the entrusted account net assets can be calculated based on the entrusted business transaction record, so as to update the current period number and year-to-date number in the entrusted account net asset change information table according to the calculated current period number and year-to-date number.

[0126] In practice, the entrusted business transaction record and the entrusted account net asset change information table can be updated according to the entrusted business transaction record, or only the entrusted business transaction record can be updated, or only the entrusted account net asset change information table can be updated. There is no limitation here.

[0127] Of course, in another embodiment, as Figure 5 shown, in the case where the reconciliation result represents a result of unsuccessful reconciliation, the entrusted business accounting vouchers for which the principal's reconciliation is unsuccessful can be verified, and then, according to the verification result uploaded by the principal, subsequent processing can be carried out.

[0128] In specific implementation, in the case where the reconciliation result represents a result of unsuccessful reconciliation, the target entrusted business accounting voucher for which the reconciliation is unsuccessful can be determined from the multiple entrusted business accounting vouchers;

[0129] Then, the target entrusted business accounting voucher is sent to the entrusted node.

[0130] After that, when receiving the confirmation instruction feedback by the entrusted node for the target entrusted business accounting voucher, the target entrusted business accounting voucher is determined as a record with successful reconciliation, and the reconciliation result is updated to represent a result of successful reconciliation.

[0131] In this embodiment, the target entrusted business accounting vouchers with unsuccessful reconciliation can be determined. Then, the target entrusted business accounting vouchers with unsuccessful reconciliation are carried in the reconciliation result and uploaded to the blockchain. Meanwhile, a message is sent to the principal node, and the principal node can obtain from the blockchain the reconciliation result carrying the target entrusted business accounting vouchers with unsuccessful reconciliation. Next, the principal node can organize the verification of the target entrusted business accounting vouchers with unsuccessful reconciliation. When the verification is correct, as Figure 5 shown, it can be confirmed that the reconciliation of the target entrusted business accounting vouchers is successful, and then it is fed back to the blockchain. The blockchain can determine the target entrusted business accounting vouchers as the records with successful reconciliation, and update the reconciliation result to the result indicating successful reconciliation. Then, the updated reconciliation result indicating successful reconciliation is uploaded to the blockchain. As Figure 5 shown, in this case, the blockchain can generate an asset accounting statement based on the entrusted business transaction records, and update the entrusted account asset-liability information table and the entrusted account net asset change information table.

[0132] When adopting this embodiment, an asset accounting statement can be generated and the entrusted account asset-liability information table and the entrusted account net asset change information table can be updated when the reconciliation is successful, so as to facilitate the principal's understanding of the asset status of the entrusted account and optimize the user experience. Meanwhile, when the reconciliation is unsuccessful, it can be handed over to the principal by the blockchain for verification, thus improving the efficiency of handling abnormal entrusted assets.

[0133] In another embodiment, after updating the entrusted account asset-liability information table and / or the entrusted account net asset change information table, the entrusted account asset-liability information table and the entrusted account net asset change information table can be disclosed to each node in the blockchain according to the permissions.

[0134] Specifically in implementation, a first permission can be set for the asset accounting statement so that the principal node can obtain the asset accounting statement based on the permission; and a second permission can be set respectively for the entrusted account asset-liability information table and the entrusted account net asset change information table so that the principal node and the investment management node can obtain the entrusted account asset-liability information table and the entrusted account net asset change information table based on the permission.

[0135] In this embodiment, the asset accounting statement can be viewed in real time by the principal and the trustee, while the custodian and the investment manager do not need to view it. Therefore, a first permission can be set for the asset accounting statement. Specifically in implementation, encryption can be set for the asset accounting statement, and the encryption key is only held by the principal and the trustee. In this way, only the principal node and the trustee node are allowed to view the asset accounting statement.

[0136] Accordingly, the entrusted account asset-liability information table is generally viewed in real time by the principal and the trustee, while the custodian and the investment manager may not need to view it. Therefore, a second permission can be set for the entrusted account asset-liability information table. When implementing specifically, the entrusted account asset-liability information table can be encrypted, and the encryption key is only held by the principal and the trustee. In this way, only the principal node and the trustee node are allowed to view the entrusted account asset-liability information table.

[0137] Accordingly, the entrusted account net asset change information table is generally viewed in real time by the principal and the trustee, while the custodian and the investment manager may not need to view it. Therefore, a third permission can be set for the entrusted account net asset change information table. When implementing specifically, the entrusted account net asset change information table can be encrypted, and the encryption key is only held by the principal and the trustee. In this way, only the principal node and the trustee node are allowed to view the entrusted account net asset change information table.

[0138] Among them, the encryption key corresponding to the first permission, the encryption key corresponding to the second permission, and the encryption key corresponding to the third permission can be different from each other to ensure the security of the asset accounting statement, the entrusted account net asset change information table, and the entrusted account asset-liability information table.

[0139] When adopting this implementation method, the asset accounting statement, the entrusted account net asset change information table, and the entrusted account asset-liability information table generated after successful reconciliation can only be viewed by the authorized nodes in the blockchain, thus ensuring the security of the asset accounting statement, the entrusted account net asset change information table, and the entrusted account asset-liability information table.

[0140] Adopting the technical solution of the embodiment of the present application has the following advantages:

[0141] First, the reconciliation efficiency can be improved.

[0142] Since the trustee node, the custodian node, the principal node, and the investment manager node form a blockchain, the entrusted business accounting vouchers of the trustee node and the custodian accounting vouchers uploaded by the custodian node can be reconciled in the blockchain, without manual participation in the reconciliation and without offline verification, thus simplifying the business process and improving the reconciliation efficiency and accuracy.

[0143] Second, the reconciliation efficiency and accuracy can be improved.

[0144] Since multiple trust business accounting vouchers for trust business transaction records are generated based on the accounting rules uploaded by the trustee node, and then the multiple trust business accounting vouchers are reconciled based on the custodian accounting vouchers uploaded by the custodian node. Since each trust business accounting voucher corresponds to an annuity business change record in the trust business transaction record, and each custodian accounting voucher is an annuity business change record of the target annuity plan recorded by the custodian node, the reconciliation in this application is at the accounting voucher granularity. Therefore, the reconciliation efficiency is high, and the tracing of records with inconsistent accounts can be achieved, thereby further improving the efficiency and accuracy of reconciliation.

[0145] Third, the security of various generated accounting asset statements after reconciliation can be ensured.

[0146] Since the generated asset accounting statements, the information table of the change in the net assets of the trustee account, and the information table of the assets and liabilities of the trustee account after successful reconciliation are set with corresponding permissions and can only be viewed by the authorized nodes in the blockchain, the security of the asset accounting statements, the information table of the change in the net assets of the trustee account, and the information table of the assets and liabilities of the trustee account is ensured.

[0147] Fourth, the trustworthiness of reconciliation can be improved.

[0148] Since reconciliation can be performed based on a smart contract during reconciliation, and the smart contract is immutable, the trustworthiness of reconciliation can be improved, ensuring the accuracy and reliability of the reconciliation result.

[0149] Based on the same inventive concept, in one embodiment, an annuity plan reconciliation device based on a blockchain is further provided. Referring to Figure 6 as shown, a structural block diagram of the annuity plan reconciliation device based on a blockchain is shown. The device can be applied to a blockchain composed of a trustee node and a custodian node. The trustee node is linked to the blockchain through an annuity service platform, as Figure 6 shown, the device may specifically include the following modules:

[0150] The first record receiving module 601 is used to receive the trust business transaction record belonging to the target annuity plan and the accounting voucher accounting rules uploaded by the trustee node through the annuity service platform; wherein, the accounting voucher accounting rule is a rule for recording the business transactions of the trustee.

[0151] The voucher generation module 602 is used to generate multiple trust business accounting vouchers for the trust business transaction record based on the accounting rules, wherein each trust business accounting voucher corresponds to an annuity business change record in the trust business transaction record.

[0152] The second record receiving module 603 is configured to receive multiple custody accounting vouchers of the target annuity plan uploaded by the custody node, and each custody accounting voucher is an annuity business change record of the target annuity plan recorded by the custody node;

[0153] The reconciliation module 604 is configured to reconcile each entrusted business accounting voucher and the corresponding custody accounting voucher in sequence, and output a reconciliation result.

[0154] Optionally, the blockchain further includes a principal node, and the device further includes:

[0155] The instruction receiving module is configured to receive an entrusted business instruction sent by the entrusted node, where the entrusted business instruction is generated by the entrusted node based on a business application request of the target annuity plan from the principal node;

[0156] The instruction sending module is configured to send the entrusted business instruction to the custody node, and receive a custody online banking transaction record uploaded by the custody node based on the entrusted business instruction;

[0157] The matching module is configured to perform account matching on the custody online banking transaction record and the entrusted business transaction record;

[0158] The voucher generating module 602 is specifically configured to, when the account matching is passed, generate multiple entrusted business accounting vouchers of the entrusted business transaction record based on the accounting rules.

[0159] Optionally, the device further includes:

[0160] The report generating module is configured to generate an asset accounting report of the target annuity plan based on the entrusted business transaction record when the reconciliation result indicates successful reconciliation;

[0161] The report updating module is configured to update the entrusted account asset and liability information table, and / or the entrusted account net asset change information table of the target annuity plan based on the entrusted business transaction record.

[0162] Optionally, the blockchain includes a principal node and an investment management node, and the device further includes:

[0163] The first permission setting module is configured to set a first permission for the asset accounting report, so that the principal node can obtain the asset accounting report based on the permission;

[0164] The second permission setting module is used to set respective second permissions for the entrusted account balance information table and the entrusted account net asset change information table, so that the entrusting node and the investment management node can obtain the entrusted account balance information table and the entrusted account net asset change information table based on the permissions.

[0165] Optionally, the reconciliation module 604 is specifically configured to reconcile each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers in sequence based on a pre-stored smart contract;

[0166] Wherein, the smart contract has the joint signatures of the entrusted node and the custody node, and is uploaded to the blockchain by the entrusted node.

[0167] Optionally, the device further includes:

[0168] The voucher extraction module is used to determine the target entrusted business accounting vouchers with unsuccessful reconciliation from the multiple entrusted business accounting vouchers when the reconciliation result is a result indicating unsuccessful reconciliation;

[0169] The voucher sending module is used to send the target entrusted business accounting vouchers to the entrusting node;

[0170] The result update module is used to determine the target entrusted business accounting vouchers as successfully reconciled records and update the reconciliation result to a result indicating successful reconciliation when receiving the confirmation instruction feedback by the entrusting node for the target entrusted business accounting vouchers.

[0171] Optionally, the reconciliation module 604 includes:

[0172] The extraction unit is used to extract the entrusted business accounting vouchers and the entrusted business accounting vouchers belonging to the same business change;

[0173] The verification unit is used to compare the respective transaction amounts of the entrusted business accounting vouchers and the entrusted business accounting vouchers belonging to the same business change, so as to reconcile each of the entrusted business accounting vouchers and the corresponding entrusted business accounting vouchers.

[0174] By using the blockchain-based annuity plan reconciliation device of the embodiments of the present application, the account matching of the custody online banking transaction records and the entrusted business transaction records can be performed to verify whether the custody online banking transaction records and the entrusted business transaction records are matching transaction records. If they are matching transaction records, then according to the accounting rules, multiple entrusted business accounting vouchers of the entrusted business transaction records are generated, thus ensuring the accuracy of subsequent reconciliation.

[0175] Each embodiment in this specification is described in a progressive manner. Each embodiment focuses on the differences from other embodiments. For the same or similar parts among the embodiments, reference can be made to each other.

[0176] Those skilled in the art should understand that the embodiments of the present invention can be provided as methods, devices, or computer program products. Therefore, the embodiments of the present invention can take the form of all-hardware embodiments, all-software embodiments, or embodiments combining software and hardware aspects. Moreover, the embodiments of the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0177] The embodiments of the present invention are described with reference to the flowcharts and / or block diagrams of methods, terminal devices (systems), and computer program products according to the embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram can be implemented by computer program instructions, as well as the combination of processes and / or blocks in the flowchart and / or block diagram. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing terminal devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing terminal devices generate a device for implementing the functions specified in Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0178] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including an instruction device, and the instruction device implements the functions specified in Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0179] These computer program instructions can also be loaded onto a computer or other programmable data processing terminal device, such that a series of operation steps are executed on the computer or other programmable terminal device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable terminal device provide steps for implementing the functions specified in Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0180] Although the preferred embodiments of the embodiments of the present invention have been described, those skilled in the art can make additional changes and modifications once they learn the basic creative concepts. Therefore, the appended claims are intended to be construed to include the preferred embodiments and all changes and modifications falling within the scope of the embodiments of the present invention.

[0181] Finally, it should also be noted that in this article, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the term "comprising", "including" or any other variant thereof is intended to cover non-exclusive inclusion, so that a process, method, article or terminal device comprising a series of elements not only includes those elements, but also includes other elements not expressly listed, or elements inherent to such process, method, article or terminal device. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, article or terminal device comprising the element.

[0182] The above has introduced in detail a blockchain-based annuity plan reconciliation method, device, equipment and medium provided by the present invention. Specific examples are used in this article to elaborate on the principle and implementation manner of the present invention. The description of the above embodiments is only used to help understand the method and its core idea of the present invention; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation manner and application scope. In summary, the content of this specification should not be construed as a limitation to the present invention.

Claims

1. A blockchain-based annuity plan reconciliation method, characterized in that, The method is applied to a blockchain composed of a trustee node and a custodian node. The trustee node is linked to the blockchain through an annuity service platform. The method includes: Receiving a trustee business transaction record belonging to a target annuity plan and an accounting voucher recording rule uploaded by the trustee node through the annuity service platform; wherein, the accounting voucher recording rule is a rule for recording the trustee's business transactions. Generating multiple trustee business accounting vouchers for the trustee business transaction record based on the accounting voucher recording rule, where each trustee business accounting voucher corresponds to an annuity business change record in the trustee business transaction record. Receiving multiple custodian accounting vouchers of the target annuity plan uploaded by the custodian node, where each custodian accounting voucher is an annuity business change record of the target annuity plan recorded by the custodian node. Reconciling each trustee business accounting voucher and the corresponding custodian accounting voucher in sequence, and outputting a reconciliation result. The blockchain also includes a principal node: Receiving a trustee business instruction sent by the trustee node, where the trustee business instruction is generated by the trustee node based on a business application request of the principal node for the target annuity plan. Sending the trustee business instruction to the custodian node and receiving a custodian online banking transaction record uploaded by the custodian node based on the trustee business instruction. Performing account matching on the custodian online banking transaction record and the trustee business transaction record. Generating multiple trustee business accounting vouchers for the trustee business transaction record based on the accounting voucher recording rule, including: In the case where the account matching is passed, generating multiple trustee business accounting vouchers for the trustee business transaction record based on the accounting voucher recording rule.

2. The method according to claim 1, characterized in that, The method further includes: In the case where the reconciliation result indicates a successful reconciliation, generating an asset accounting statement of the target annuity plan based on the trustee business transaction record. Updating the trustee account asset-liability information table and / or the trustee account net asset change information table of the target annuity plan based on the trustee business transaction record.

3. The method according to claim 2, characterized in that, The blockchain includes a principal node and an investment management node. The method further includes: Setting a first permission for the asset accounting statement so that the principal node can obtain the asset accounting statement based on the permission. Setting respective second permissions for the trustee account asset-liability information table and the trustee account net asset change information table so that the principal node and the investment management node can obtain the trustee account asset-liability information table and the trustee account net asset change information table based on the permissions.

4. The method according to claim 1, characterized in that, Reconciling each trustee business accounting voucher and the corresponding custodian accounting voucher in sequence, including: Reconciling each trustee business accounting voucher and the corresponding custodian accounting voucher in sequence based on a pre-stored smart contract. Wherein, the smart contract has the common signatures of the trustee node and the custodian node and is uploaded to the blockchain by the trustee node.

5. The method according to claim 1, characterized in that, The method further includes: In the case where the reconciliation result represents a failed reconciliation result, determine the target entrusted business accounting vouchers with failed reconciliation from the multiple entrusted business accounting vouchers; Send the target entrusted business accounting vouchers to the entrusting node; When receiving the confirmation instruction feedback by the entrusting node for the target entrusted business accounting vouchers, determine the target entrusted business accounting vouchers as the records with successful reconciliation, and update the reconciliation result to represent the result of successful reconciliation.

6. The method according to claim 1, characterized in that, Reconcile each of the entrusted business accounting vouchers and the corresponding custodial accounting vouchers in sequence, including: Extract the entrusted business accounting vouchers and the custodial accounting vouchers belonging to the same business change; Compare the transaction amounts of the entrusted business accounting vouchers and the custodial accounting vouchers belonging to the same business change, so as to reconcile each of the entrusted business accounting vouchers and the corresponding custodial accounting vouchers.

7. A blockchain-based annuity plan reconciliation device, characterized in that, The device is applied to a blockchain composed of an entrusted node and a custodial node. The blockchain also includes an entrusting node. The entrusted node is linked to the blockchain through an annuity service platform. The device includes: A first record receiving module, configured to receive the entrusted business transaction records and accounting voucher recording rules belonging to the target annuity plan uploaded by the entrusted node through the annuity service platform; wherein, the accounting voucher recording rules are the rules for recording the entrusted party's business transactions; A voucher generating module, configured to generate multiple entrusted business accounting vouchers for the entrusted business transaction records based on the accounting voucher recording rules, wherein each entrusted business accounting voucher corresponds to an annuity business change record in the entrusted business transaction records; A second record receiving module, configured to receive multiple custodial accounting vouchers of the target annuity plan uploaded by the custodial node, and each custodial accounting voucher is an annuity business change record of the target annuity plan recorded by the custodial node; A reconciliation module, configured to reconcile each of the entrusted business accounting vouchers and the corresponding custodial accounting vouchers in sequence, and output a reconciliation result; An instruction receiving module, configured to receive the entrusted business instructions sent by the entrusted node, wherein the entrusted business instructions are generated by the entrusted node based on the business application requests of the entrusting node for the target annuity plan; An instruction sending module, configured to send the entrusted business instructions to the custodial node, and receive the custodial online banking transaction records uploaded by the custodial node based on the entrusted business instructions; A matching module, configured to perform account matching on the custodial online banking transaction records and the entrusted business transaction records; The voucher generating module is specifically configured to, in the case where the account matching is passed, generate multiple entrusted business accounting vouchers for the entrusted business transaction records based on the accounting voucher recording rules.

8. An electronic device, characterized in that, It includes a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes, it implements the blockchain-based annuity plan reconciliation method according to any one of claims 1-6.

9. A computer-readable storage medium, characterized in that, The stored computer program causes the processor to execute the blockchain-based annuity plan reconciliation method according to any one of claims 1-6.

Images