Bank contract signing method and system based on blockchain

Abstract

The present invention discloses a bank contract signing method and system based on blockchain, which relates to the field of blockchain, including: the blockchain stores the protocols of bank products and the interdependencies between the protocols; the bank receives the agreement signing request and sends it to the blockchain; the blockchain queries multiple other protocols based on the request, the stored protocols and the dependencies, determines whether the corresponding protocols and multiple other protocols on which they depend are stored, and if not, pushes the corresponding protocols and multiple other protocols on which they depend to the user and the bank; the bank sends a query request to the banking business system to confirm whether the user has handled the corresponding protocols and multiple other protocols on which they depend, and if so, the system corresponding to the protocol returns the handling data, predicts the parameters of the user's handling of the protocol based on the handling data and user information, and returns them to the user for confirmation; and records the contract signing data in the blockchain. The present invention facilitates customer agreement management and has a good customer experience.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a blockchain-based bank contract signing method and system. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] At present, the preservation of agreements, signing, and contract relationship of various scenarios in banks are scattered in various banking business systems. However, there are dependencies, inclusions, and mutual exclusions in the signing of business scenarios. The current agreement management model has the problems of high system complexity and poor maintainability. For customers, the customer experience is also very bad. For example, when closing an account, it is necessary to terminate the above agreement. However, since the various agreements are scattered in different systems, if the user is not familiar with the product relationship, the operation time will also increase accordingly, which makes it very inconvenient for customers to handle business. At the same time, due to problems with data recording, problems after the agreement have occurred, and it is difficult to determine responsibility. Summary of the invention

[0004] The embodiment of the present invention provides a bank contract signing method based on blockchain, which is used to solve the problems of high system complexity and poor maintainability in the protocol management mode in the prior art. The method includes:

[0005] The blockchain stores the protocols of banking products and the interdependencies between multiple protocols; the blockchain is constructed by multiple banking business systems;

[0006] The bank receives the agreement signing request for the banking product submitted by the user, and sends the agreement signing request to the blockchain;

[0007] Based on the agreement signing request, the stored bank product agreements and the interdependence between the multiple agreements, the blockchain queries the multiple other agreements that the corresponding agreement in the agreement signing request depends on, and determines whether the user has handled the corresponding agreement and the multiple other agreements that the corresponding agreement depends on. If not, the corresponding agreement and the multiple other agreements that the corresponding agreement depends on are pushed to the user and the bank.

[0008] The bank sends a query request to the banking business system corresponding to the agreement based on the corresponding agreement and multiple other protocols on which the corresponding agreement depends, to confirm whether the user has handled the corresponding agreement and multiple other protocols on which the corresponding agreement depends. If so, the system corresponding to the agreement returns the corresponding handling data, predicts the parameters of the user's handling of the agreement based on the handling data and user information, and returns the parameters to the user for confirmation; the contract data is recorded in the blockchain through the banking business system corresponding to the agreement, and the contract data is the data after the user confirms the handling based on the corresponding agreement and multiple other protocols on which the corresponding agreement depends and the parameters.

[0009] The embodiment of the present invention also provides a blockchain-based bank contract system to solve the problems of high system complexity and poor maintainability in the protocol management mode in the prior art. The system includes: a blockchain constructed by multiple banking business systems, a bank terminal and a banking business system;

[0010] The blockchain, bank end and banking business system constructed by multiple banking business systems are used to: implement the above-mentioned blockchain-based bank signing method.

[0011] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned blockchain-based bank signing method when executing the computer program.

[0012] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned blockchain-based bank signing method is implemented.

[0013] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned blockchain-based bank signing method.

[0014] In the embodiment of the present invention, compared with the technical solution in the prior art in which the agreement storage, contract signing, and contract relationship storage of various scenarios of the bank are all scattered in various bank business systems, but the business scenario contract signing has dependencies, inclusions, mutual exclusions, etc., and the current agreement management mode has high system complexity and poor maintainability, the bank product agreement and the mutual dependence between multiple agreements are stored in the blockchain; wherein the blockchain is constructed by multiple bank business systems; the bank receives the agreement signing request for the bank product submitted by the user, and sends the agreement signing request to the blockchain; based on the agreement signing request, the stored bank product agreement and the mutual dependence between multiple agreements, the blockchain queries the multiple other agreements that the corresponding agreement in the agreement signing request depends on, and determines whether the user has handled the corresponding agreement and the multiple other agreements that the corresponding agreement depends on are stored. If not, The corresponding agreement and multiple other agreements on which the corresponding agreement depends are pushed to the user and the bank; the bank sends a query request to the bank business system corresponding to the agreement based on the corresponding agreement and multiple other agreements on which the corresponding agreement depends, to confirm whether the user has handled the corresponding agreement and multiple other agreements on which the corresponding agreement depends. If so, the system corresponding to the agreement returns the corresponding handling data, predicts the parameters of the user's handling of the agreement based on the handling data and user information, and returns the parameters to the user for confirmation; the contract data is recorded in the blockchain through the bank business system corresponding to the agreement, and the contract data is the data after the user confirms the handling based on the corresponding agreement and multiple other protocols on which the corresponding agreement depends and the parameters. The present invention is based on blockchain, manages the relationship between agreements in different scenarios, and uses blockchain to record the bank product information signed by the customer, which can facilitate the management of customer agreements and provide a good customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0016] Figure 1 The bank signing method process based on blockchain in the embodiment of the present invention Figure 1 ;

[0017] Figure 2 The bank signing method process based on blockchain in the embodiment of the present invention Figure 2 ;

[0018] Figure 3 The bank signing method process based on blockchain in the embodiment of the present invention Figure 3 ;

[0019] Figure 4 The bank signing method process based on blockchain in the embodiment of the present invention Figure 4 ;

[0020] Figure 5 The bank signing method process based on blockchain in the embodiment of the present invention Figure 5 ;

[0021] Figure 6 The bank signing method process based on blockchain in the embodiment of the present invention Figure 6 ;

[0022] Figure 7 The bank signing method process based on blockchain in the embodiment of the present invention Figure 7 ;

[0023] Figure 8 The bank signing method process based on blockchain in the embodiment of the present invention Figure 8 ;

[0024] Fig. 9 The bank signing method process based on blockchain in the embodiment of the present invention Figure 9 ;

[0025] Fig.10 The bank signing method process based on blockchain in the embodiment of the present invention Figure 10 . DETAILED DESCRIPTION

[0026] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0027] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0028] Terminology explanation:

[0029] Bank products: refers to all commodities related to money that are provided by banking financial institutions to the market to meet people's wishes and needs, and are an important part of financial products, such as account opening, card opening, deposits, loans, financial management, trade financing, cash management, etc.

[0030] Based on the problems existing in the prior art, the present invention proposes a bank contract signing method based on blockchain, such as Figure 1 As shown, the method includes:

[0031] Step 101: a protocol of a banking product and interdependencies between multiple protocols are stored in a blockchain; wherein the blockchain is constructed by multiple banking business systems;

[0032] Step 102: The bank receives the agreement signing request for the banking product submitted by the user, and sends the agreement signing request to the blockchain;

[0033] Step 103: Based on the agreement signing request, the stored bank product agreements and the interdependence between the multiple agreements, the blockchain queries the multiple other agreements that the corresponding agreement in the agreement signing request depends on, and determines whether the user has handled the corresponding agreement and the multiple other agreements that the corresponding agreement depends on. If not, the corresponding agreement and the multiple other agreements that the corresponding agreement depends on are pushed to the user and the bank.

[0034] Step 104: The bank sends a query request to the banking business system corresponding to the protocol based on the corresponding protocol and multiple other protocols on which the corresponding protocol depends, to confirm whether the user has handled the corresponding protocol and multiple other protocols on which the corresponding protocol depends. If the user has handled it, the system corresponding to the protocol returns the corresponding handling data, predicts the parameters of the user's handling of the protocol based on the handling data and user information, and returns the parameters to the user for confirmation; the contract data is recorded in the blockchain through the banking business system corresponding to the protocol, and the contract data is the data after the user confirms the handling based on the corresponding protocol and multiple other protocols on which the corresponding protocol depends and the parameters.

[0035] Specifically, the blockchain is constructed by multiple banking business systems. The bank end refers to a certain bank channel (such as mobile banking, counter), which belongs to the front end of the banking business system.

[0036] Specifically, the blockchain stores many protocols for various bank products (including the specific content of the protocols), as well as the interdependencies between protocols in different business scenarios. When a customer initiates a signing request for protocol C in a bank channel (such as mobile banking, counter), the bank channel calls the smart contract to query the blockchain for the protocol and extracts multiple other protocols that protocol C depends on. Confirm whether the current blockchain stores the client's protocol (already processed). If not, push the protocol to the client and the bank. The bank sends a query request to the bank business system corresponding to the protocol to confirm whether the client has ever processed the protocol. If so, the system corresponding to the protocol returns the previous processing data. Based on the previous processing data and the current client's customer information, the bank channel predicts the specific parameters for the client to process the protocol and displays the parameters back to the client for confirmation.

[0037] In an embodiment of the present invention, a bank receives an agreement signing request for a bank product submitted by a user, and sends the agreement signing request to a blockchain, including: for different agreements, confirming the risk coefficient of the agreement based on the historical data of the agreement, and when the risk coefficient is greater than a first threshold, determining the agreement as a risky agreement, wherein the first threshold is equal to the proportion of risk data in the historical data of all agreements of the bank; when the bank receives an agreement signing request for a bank product submitted by a user, confirming whether the requested agreement is a risky agreement; if so, initiating biometric identification to the customer, and after the customer's biometric identification passes, sending the agreement signing request to the blockchain; if not, directly sending the agreement signing request to the blockchain.

[0038] In the embodiment of the present invention, Figure 2 As shown, it also includes:

[0039] Step 201: Construct a protocol dependency graph based on the mutual dependency relationship between multiple protocols, wherein each node in the protocol dependency graph identifies a protocol, and there is a directed edge between two nodes if and only if there is a dependency relationship between the two protocols corresponding to the two nodes, and the direction of the arrow points from the protocol of the dependent party to the protocol of the relying party.

[0040] Specifically, based on the interdependence between protocols, the blockchain can construct a protocol dependency graph, in which each node identifies a protocol. There is a directed edge between two nodes if and only if there is a dependency between the two protocols A and B corresponding to the two nodes, and the direction of the arrow points from the protocol of the dependent party to the protocol of the dependent party (for example, if B depends on A, the direction of the edge is from A to B).

[0041] In the embodiment of the present invention, Figure 3 As shown, in step 103, the blockchain queries multiple other protocols that the corresponding protocol in the agreement signing request depends on based on the agreement signing request, the stored banking product agreement and the mutual dependency relationship between the multiple protocols, including:

[0042] Step 301: assign a value to each directed edge in the protocol dependency graph, obtain the shortest distance between each node in the protocol dependency graph and the protocol in the protocol signing request, retain the node with the shortest distance being limited, use the protocol identified by the node with the shortest distance being limited as the multiple other protocols that the protocol in the protocol signing request depends on, and delete the node with the shortest distance being infinite. Then determine whether the user has handled the corresponding agreement and the multiple other protocols that the corresponding agreement depends on. If not, push the corresponding agreement and the multiple other protocols that the corresponding agreement depends on to the user and the bank.

[0043] Specifically, a customer initiates a signing request for protocol C in a bank channel (such as mobile banking, counter), and the bank channel queries the blockchain for the protocol and the corresponding protocol dependency graph, and then extracts multiple other protocols that protocol C depends on. Each directed edge of the protocol dependency graph is assigned a value of 1, and then the shortest distance from each node in the graph to protocol C is obtained, and the nodes with a finite shortest distance are retained (that is, the nodes with an infinite shortest distance are deleted), and the protocols corresponding to the retained nodes are the multiple other protocols that protocol C depends on.

[0044] Specifically, when assigning values ​​to the directed edges of the protocol dependency graph, for example, from protocol A to B (that is, the direction of the directed edge is from A to B), the distance from A to B is 1, and the distance from B to A is infinite. The calculation of the shortest distance can be obtained based on the existing algorithm. If the distance from C to B is finite, it means that C is a dependent node of B, and only after completing C can the customer handle B; if the distance from C to B is infinite, it means that C is not a dependent node of B. Therefore, the present invention identifies which protocols need to be handled before handling the requested protocol by judging the distance.

[0045] In the embodiment of the present invention, Figure 4 As shown, after the blockchain queries multiple other protocols that the corresponding protocol in the protocol signing request depends on, it also includes:

[0046] Step 401: The blockchain puts the corresponding protocol into a stack, and puts multiple other protocols that the corresponding protocol depends on into the stack in order from the shortest distance to the largest, and feeds the stack back to the bank;

[0047] The bank performs corresponding operations based on the protocol of popping the top of the stack (specifically executing the operation of step 104).

[0048] Specifically, the node C is put into the stack, and then multiple other protocols that the protocol C depends on are put into the stack in order from the shortest distance in ascending order.

[0049] The stacking method can also be optimized as follows: when the shortest distances are equal, the estimated execution time of the protocols is sequentially placed in the stack from small to large, and the estimated execution time of each protocol is determined based on the historical execution time of the protocol. This can reduce the waiting time of customers during the signing process.

[0050] Specifically, the protocol at the top of the stack is popped out in the following manner, for example: pop out a protocol, and after the protocol is completed, pop out the next one, which is serial execution. In fact, parallel execution is better. The advantage of parallel execution is that the overall execution time is short, the corresponding customer waiting time is also shortened, and the customer experience is better. Before popping out the protocol at the top of the current stack, select multiple protocols on which the protocol at the top of the current stack depends from the multiple protocols popped out from the top of the stack. If the multiple protocols have been completed, the protocol at the top of the current stack is popped out so that the bank can perform corresponding operations, and the popping of protocols is repeated until the stack is empty.

[0051] In the embodiment of the present invention, Figure 5 As shown, after signing the contract, it also includes:

[0052] Step 501: The blockchain establishes a protocol dependency graph corresponding to the user based on the multiple protocols handled by the user.

[0053] Specifically, the nodes in the protocol dependency graph corresponding to the user correspond one-to-one to the protocols handled by the user. There is an edge between two nodes if and only if the corresponding two protocols have an edge in the above protocol dependency graph, and the direction of the edge remains consistent.

[0054] In an embodiment of the present invention, the bank records the contract data in the blockchain through the banking business system corresponding to the agreement, including:

[0055] The bank will record the contract data signed with the private key in the blockchain through the banking business system corresponding to the agreement, where the private key signature is performed by the banking business system corresponding to the agreement.

[0056] Specifically, after the customer completes the agreement, the bank business system corresponding to the agreement will record the contract data (digitally signed with a private key) in the blockchain. The contract data includes the name of the contracted product, the contract date, whether to automatically terminate the contract and the termination conditions (such as setting a termination date, or the account funds being 0), and the hash value of the contract document.

[0057] In an embodiment of the present invention, it includes: for different agreements, based on the automatic termination data of the agreement, determining the termination risk coefficient of the agreement; when the termination risk coefficient is greater than a second threshold, determining the agreement as a termination risk agreement, wherein the second threshold is equal to the proportion of risk data in the automatic termination data of all agreements of the bank; when the customer confirms the selection of the agreement for automatic termination, if the agreement is a risky agreement, the bank business system corresponding to the agreement sends the automatic termination risk warning information of the agreement to the customer, and accepts the risk confirmation information fed back by the customer, wherein the risk confirmation information has been digitally signed with the customer's private key; the bank business system corresponding to the agreement records the digitally signed risk confirmation information into the blockchain.

[0058] In an embodiment of the present invention, it includes: determining whether to generate a hash value of the contract document based on the risk information of the contract document. Specifically, for different types of contract documents, the risk coefficient of the contract document of this type is determined based on the historical data of the contract document of this type. When the risk coefficient is greater than the third threshold, the contract document of this type is determined as a risk contract document, wherein the third threshold is equal to the proportion of risk data in the historical data of all contract documents of the bank; if the contract document when the customer handles the agreement is a risk contract document, the hash value of the contract document is generated, and the hash value of the contract document is recorded in the blockchain; if the contract document when the customer handles the agreement is not a risk contract document, the hash value of the contract document is not generated. For the contract document with a hash value generated, after recording the hash value in the blockchain, the contract document and the hash value are sent to the corresponding customer. After the customer confirms that the hash value of the received contract document is consistent with the received hash value, the hash confirmation information of the customer is recorded in the blockchain, wherein the hash confirmation information includes: the received hash value and the digital signature information of the customer.

[0059] In the embodiment of the present invention, Figure 6 As shown, after signing the contract, it also includes:

[0060] Step 601: When the banking system confirms that the user's agreement meets the termination conditions, it uploads a termination request including the termination conditions to the blockchain;

[0061] Step 602: The smart contract of the blockchain confirms whether three conditions are met. The first condition is whether the user's agreement supports automatic termination. The second condition is whether the termination condition meets the termination condition corresponding to the agreement stored in the blockchain. The third condition is whether there are no other protocols that depend on the agreement in the protocol dependency graph corresponding to the user. If any of the three conditions is not met, the initiated termination request is not supported. If all three conditions are met, the bank business system is replied to support the termination request and the termination is performed based on the termination request.

[0062] Specifically, when a customer needs to terminate a contract or query agreement information, they can directly query the blockchain to obtain the most accurate information.

[0063] In an embodiment of the present invention, it also includes: the smart contract of the blockchain needs to confirm whether the user's agreement is a termination risk agreement. If so, the smart contract of the blockchain also needs to confirm whether the blockchain records the digitally signed risk confirmation information corresponding to the agreement. If the blockchain does not record the digitally signed risk confirmation information corresponding to the agreement, the initiated termination request is not supported.

[0064] In the embodiment of the present invention, Figure 7 As shown, it also includes:

[0065] Step 701: After the cancellation request is not supported, the blockchain returns the reason for the unsupport to the banking system.

[0066] In the embodiment of the present invention, Figure 8 As shown, it also includes:

[0067] Step 801: The blockchain stores the termination operation record and updates the user's corresponding protocol dependency graph.

[0068] In the embodiment of the present invention, Fig. 9 As shown, it also includes:

[0069] Step 901: The bank receives an account cancellation request initiated by a user and sends the account cancellation request to the blockchain;

[0070] Step 902: The blockchain determines the termination order according to the account cancellation request and the protocol dependency graph corresponding to the user, and performs the termination operation according to the termination order.

[0071] Specifically, the termination operation is initiated by the customer at the bank through a certain bank channel (mobile banking, smart counter, manual counter, etc.) and executed in the corresponding bank business system. Because the specific content of the agreement is stored in the corresponding bank business system. The blockchain stores the dependencies between the agreements and the agreements that the customer has handled.

[0072] Account cancellation means that the customer needs to cancel the customer's bank account at the bank. Before canceling the account, the agreement needs to be terminated. The request for termination of the agreement initiated by the customer includes at least the customer's identity information and the account cancellation transaction code. The request is digitally signed with the customer's private key.

[0073] In the embodiment of the present invention, Fig.10 As shown, the blockchain determines the order of contract termination according to the account cancellation request and the protocol dependency graph corresponding to the user, including:

[0074] Step 1001: Add the non-dependent nodes in the protocol dependency graph corresponding to the user to the queue (that is, the node is not the starting point of any directed edge and is added to the queue), delete the non-dependent nodes from the protocol dependency graph corresponding to the user, and continue the above node addition and deletion operations until the protocol dependency graph corresponding to the user is empty, and the termination order is the order from the head of the queue to the tail of the queue. Then perform the termination operation according to the termination order.

[0075] Specifically, when there are multiple nodes that are not dependent on other nodes in the protocol dependency graph corresponding to the user, the multiple nodes are added to the queue in descending order according to the corresponding estimated termination time values. The estimated termination time value of each protocol is determined based on the historical termination time of the protocol. This can reduce the waiting time of customers during the termination process.

[0076] In the embodiment of the present invention, the blockchain performs a termination operation according to the termination order, including:

[0077] When the current agreement does not require customer operation, the banking system will automatically terminate the contract; when customer operation is required, the operation information will be displayed to the customer for the customer to operate and terminate the contract.

[0078] In an embodiment of the present invention, the method further includes: analyzing the potential needs of the customer based on the knowledge graph technology and the information stored by the customer in the bank. Based on the potential needs, predicting the agreements that the customer may handle, and obtaining the agreements that the customer needs to handle based on the relationship dependency graph of the agreements and the agreements that the customer has handled, and pushing the agreements that need to be handled to the customer.

[0079] Or, based on the knowledge graph technology, obtain similar customers of the customer. Use the agreements that similar customers have handled as the agreements that the customer may handle, and obtain the agreement that the customer needs to handle based on the relationship dependency graph of the agreement and the agreements that the customer has handled, and push the agreement that needs to be handled to the customer.

[0080] In an embodiment of the present invention, the method further includes: when a customer handles an agreement, the bank needs to display multiple files of the agreement for the customer to read. For each agreement, based on the historical data (including risk data) of the agreement, a correspondence between risk information and the contents of each file of the agreement is established, that is, the occurrence of risk and the corresponding content of the file are highly correlated. In this way, for each agreement, the risk file content of the agreement is determined. When a customer handles an agreement, the risk file content of the agreement is displayed and marked. This can reduce the occurrence of risks. Specifically, for each file content, the probability of risk occurring under the condition that an error occurs in the file content is determined based on the historical data (including risk data) of the protocol; when the data volume of the historical data is greater than a preset value, the ratio of the data volume of risk data of error in the file content in the historical data to the data volume of historical data of error in the file content in the historical data is used as the probability of risk occurring under the condition that an error occurs in the file content; for each file content, when the probability of risk occurring under the condition that an error occurs in the file content is greater than a predetermined threshold, the file content is set as the risk file content of the protocol, wherein the predetermined threshold is equal to the ratio of the data volume of risk data in the historical data of the protocol to the data volume of the historical data; when a customer handles the protocol, the risk file content of the protocol is displayed and marked.

[0081] Sometimes, risk is related to customer category, and the file content of customers of different customer categories when handling agreements is different. At this time, the risk information of each customer category can be determined based on the historical data of each customer category. When a customer handles an agreement at the bank, the customer category of the customer is obtained, and then the risk file content corresponding to the customer is determined based on the risk information of the customer category, and the correspondence between the risk information and the file content of each agreement. The risk file content corresponding to the handling agreement is selected from the risk file content corresponding to the customer, and the risk file content corresponding to the handling agreement is displayed to the customer for the customer to pay special attention to. This can reduce the occurrence of risks. Specifically, for each file content, the historical data (including risk data) of each customer category handling this type of agreement is obtained, and based on the historical data (including risk data), the probability of risk occurring when errors occur in the file content when each customer category handles this type of agreement is determined. For each customer category, when the data volume of historical data of this customer category handling this type of agreement is greater than a preset value, the ratio of the data volume of risk data of errors in the file content in the historical data to the data volume of historical data of errors in the file content in the historical data is used as the probability of risk occurring under the condition that errors in the file content occur when this customer category handles this type of agreement; for each file content, when the probability of risk occurring under the condition that errors in the file content occur when this customer category handles this type of agreement is greater than a predetermined threshold, the file content is set as the risk file content for this customer category handling this type of agreement, wherein the predetermined threshold is equal to the ratio of the data volume of risk data in the historical data of this customer category handling this type of agreement to the data volume of the historical data; when a customer handles a certain agreement, the customer category to which the customer belongs is obtained, and the risk file content for this customer category handling this type of agreement is displayed and marked.

[0082] In an embodiment of the present invention, the method further includes: determining the risk file content of the agreement based on the risk data of the agreement, and displaying and marking the risk file content of the agreement when the customer handles the agreement. Specifically, obtaining the file content with risks in each risk data for handling the agreement; for different file contents, determining the ratio of the number of risks in the file content to the number of all risk data in all risk data for handling the agreement, when the ratio is greater than a preset threshold, determining the file content as the risk file content of the agreement, wherein the preset threshold is equal to the ratio of the amount of data in the risk data of the agreement where the file content has risks to the amount of data in the risk data; when the customer handles the agreement, displaying and marking the risk file content of the agreement.

[0083] The embodiment of the present invention also provides a bank contract system based on blockchain, as described in the following embodiment. Since the principle of solving the problem of the bank contract system based on blockchain is similar to that of the bank contract system based on blockchain, the implementation of the bank contract system based on blockchain can refer to the implementation of the bank contract system based on blockchain, and the repeated parts will not be repeated.

[0084] The present invention proposes a bank contract signing system based on blockchain, comprising: a blockchain constructed by multiple banking business systems, a bank terminal and a banking business system;

[0085] The blockchain, bank end and banking business system constructed by multiple banking business systems are used to: implement the above-mentioned blockchain-based bank signing method.

[0086] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned blockchain-based bank signing method when executing the computer program.

[0087] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned blockchain-based bank signing method is implemented.

[0088] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned blockchain-based bank signing method.

[0089] In the embodiment of the present invention, compared with the technical solution in the prior art in which the agreement storage, contract signing, and contract relationship storage of various scenarios of the bank are all scattered in various bank business systems, but the business scenario contract signing has dependencies, inclusions, mutual exclusions, etc., and the current agreement management mode has high system complexity and poor maintainability, the bank product agreement and the mutual dependence between multiple agreements are stored in the blockchain; wherein the blockchain is constructed by multiple bank business systems; the bank receives the agreement signing request for the bank product submitted by the user, and sends the agreement signing request to the blockchain; based on the agreement signing request, the stored bank product agreement and the mutual dependence between multiple agreements, the blockchain queries the multiple other agreements that the corresponding agreement in the agreement signing request depends on, and determines whether the user has handled the corresponding agreement and the multiple other agreements that the corresponding agreement depends on are stored. If not, The corresponding agreement and multiple other agreements on which the corresponding agreement depends are pushed to the user and the bank; the bank sends a query request to the bank business system corresponding to the agreement based on the corresponding agreement and multiple other agreements on which the corresponding agreement depends, to confirm whether the user has handled the corresponding agreement and multiple other agreements on which the corresponding agreement depends. If so, the system corresponding to the agreement returns the corresponding handling data, predicts the parameters of the user's handling of the agreement based on the handling data and user information, and returns the parameters to the user for confirmation; the contract data is recorded in the blockchain through the bank business system corresponding to the agreement, and the contract data is the data after the user confirms the handling based on the corresponding agreement and multiple other protocols on which the corresponding agreement depends and the parameters. The present invention is based on blockchain, manages the relationship between agreements in different scenarios, and uses blockchain to record the bank product information signed by the customer, which can facilitate the management of customer agreements and provide a good customer experience.

[0090] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0091] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0092] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0093] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0094] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A bank contract signing method based on blockchain, characterized in that: include: The blockchain stores the protocols of banking products and the interdependencies between multiple protocols; the blockchain is constructed by multiple banking business systems; A protocol dependency graph is constructed based on the mutual dependency relationship between multiple protocols, wherein each node in the protocol dependency graph identifies a protocol, and there is a directed edge between two nodes if and only if there is a dependency relationship between the two protocols corresponding to the two nodes, and the direction of the arrow points from the protocol of the dependent party to the protocol of the dependent party; The bank receives the agreement signing request for the banking product submitted by the user, and sends the agreement signing request to the blockchain; Based on the agreement signing request, the stored bank product agreements and the interdependence between the multiple agreements, the blockchain queries the multiple other agreements that the corresponding agreement in the agreement signing request depends on, and determines whether the user has handled the corresponding agreement and the multiple other agreements that the corresponding agreement depends on. If not, the corresponding agreement and the multiple other agreements that the corresponding agreement depends on are pushed to the user and the bank. The bank sends a query request to the banking business system corresponding to the agreement based on the corresponding agreement and multiple other protocols on which the corresponding agreement depends, to confirm whether the user has handled the corresponding agreement and multiple other protocols on which the corresponding agreement depends. If so, the system corresponding to the agreement returns the corresponding handling data, predicts the parameters of the user's handling of the agreement based on the handling data and user information, and returns the parameters to the user for confirmation; the contract data is recorded in the blockchain through the banking business system corresponding to the agreement, and the contract data is the data after the user confirms the handling based on the corresponding agreement and multiple other protocols on which the corresponding agreement depends and the parameters.

2. The blockchain-based bank contract signing method according to claim 1, characterized in that: Based on the agreement signing request, the stored banking product agreement and the interdependence between the multiple agreements, the blockchain queries multiple other agreements that the corresponding agreement in the agreement signing request depends on, including: Assign a value to each directed edge in the protocol dependency graph, obtain the shortest distance between each node in the protocol dependency graph and the protocol in the protocol signing request, retain the nodes with a finite shortest distance, and use the protocols identified by the nodes with a finite shortest distance as the multiple other protocols on which the protocol in the protocol signing request depends.

3. The blockchain-based bank contract signing method according to claim 2, characterized in that: Also includes: The blockchain puts the corresponding protocol into a stack, and puts multiple other protocols that the corresponding protocol depends on into the stack in order from the shortest distance to the largest, and feeds the stack back to the bank. The bank performs corresponding operations based on the protocol of popping the top of the stack.

4. The blockchain-based bank contract signing method according to claim 1, characterized in that: Also includes: The blockchain establishes a protocol dependency graph corresponding to the user based on the multiple protocols handled by the user.

5. The blockchain-based bank contract signing method according to claim 1, characterized in that: The bank records the contract data in the blockchain through the banking business system corresponding to the agreement, including: The bank will record the contract data signed with the private key in the blockchain through the banking business system corresponding to the agreement, where the private key signature is performed by the banking business system corresponding to the agreement.

6. The blockchain-based bank contract signing method according to claim 5, characterized in that: The contract data includes the contract product name, contract product date, whether to automatically terminate the contract and the termination conditions, and the hash of the contract document.

7. The blockchain-based bank contract signing method according to claim 6, characterized in that: Also includes: When the banking system confirms that the user's agreement meets the termination conditions, it uploads the termination request containing the termination conditions to the blockchain; The smart contract of the blockchain confirms whether three conditions are met. The first condition is whether the user's agreement supports automatic termination. The second condition is whether the termination conditions meet the termination conditions corresponding to the agreement stored in the blockchain. The third condition is whether there are no other protocols that depend on the agreement in the protocol dependency graph corresponding to the user. If any of the three conditions is not met, the initiated termination request is not supported. If all three conditions are met, the bank business system is replied to support the termination request and the termination is performed based on the termination request.

8. The blockchain-based bank contract signing method according to claim 7, characterized in that: Also includes: After the cancellation request is not supported, the blockchain returns the reason for the unsupported request to the banking system.

9. The blockchain-based bank contract signing method according to claim 7, characterized in that: Also includes: The blockchain stores the termination operation records and updates the user's corresponding protocol dependency graph.

10. The bank contract signing method based on blockchain as claimed in claim 4, characterized in that: Also includes: The bank receives the account cancellation request initiated by the user and sends the account cancellation request to the blockchain; The blockchain determines the termination order according to the account cancellation request and the protocol dependency graph corresponding to the user, and performs the termination operation according to the termination order.

11. The bank contract signing method based on blockchain as claimed in claim 10, characterized in that: The blockchain determines the order of contract termination based on the account cancellation request and the protocol dependency graph corresponding to the user, including: Add the non-dependent nodes in the protocol dependency graph corresponding to the user to the queue, delete the non-dependent nodes from the protocol dependency graph corresponding to the user, and continue the above node addition and deletion operations until the protocol dependency graph corresponding to the user is empty. The termination order is from the head of the queue to the end of the queue.

12. A bank contract signing system based on blockchain, characterized in that: include: Blockchain, bank side and banking business system are built by multiple banking business systems; The blockchain, bank end and banking business system constructed by multiple banking business systems are used to: implement the blockchain-based bank signing method described in any one of claims 1 to 11.

13. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the blockchain-based bank signing method according to any one of claims 1 to 11 is implemented.

14. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it implements the blockchain-based bank signing method according to any one of claims 1 to 11.

15. A computer program product, characterized in that The computer program product includes a computer program, which, when executed by a processor, implements the blockchain-based bank signing method according to any one of claims 1 to 11.

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