Data processing method, device, apparatus, and computer storage medium

Abstract

This application discloses a data processing method, apparatus, device, and computer storage medium. The method includes: upon detecting that a first lending institution has received a loan request from a first lending account, issuing a first-amount derivative deposit certificate to the first lending institution's derivative deposit certificate account in a blockchain; processing the first amount and a preset reserve requirement ratio to obtain a second amount; if the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, freezing the second-amount basic monetary certificates in the first lending institution's basic monetary certificate account; and distributing the first-amount derivative deposit certificate from the first lending institution's derivative deposit certificate account to the first lending account. Using the data processing method, apparatus, device, and computer storage medium provided in this application, the scale of derivative deposits can be controlled in advance, preventing the occurrence of excessively large derivative deposits.

Description

Technical Field

[0001] This application belongs to the field of data processing technology, and in particular relates to a data processing method, apparatus, device and computer storage medium. Background Technology

[0002] In order to manage the overall size of derivative deposits, lending regulators assess the required reserves of each financial institution.

[0003] Currently, the average method is commonly used for assessment. This means that during the maintenance period, the ratio of the arithmetic average of the daily closing balance of required reserves held by financial institutions (by legal entities) to the reserve assessment base must not be lower than the statutory reserve requirement ratio. At the same time, to promote the sound operation of financial institutions, a daily lower limit is set for reserve requirement assessment. That is, during the maintenance period, the ratio of the daily closing balance of required reserves held by financial institutions (by legal entities) to the reserve assessment base can be lower than the statutory reserve requirement ratio, but the difference should be within 1 percentage point (inclusive).

[0004] However, the existing method of managing the overall size of derivative deposits through assessment can only penalize financial institutions when the ratio of the daily closing balance of deposit reserves deposited by financial institutions as legal entities to the reserve assessment base is more than 1 percentage point lower than the statutory deposit reserve ratio. In other words, the existing method can only control the overall size of derivative deposits after the fact and cannot prevent the overall size of derivative deposits from becoming too large beforehand. Summary of the Invention

[0005] This application provides a data processing method, apparatus, device, and computer storage medium, which can at least solve the problem in the prior art that can only control the overall size of derivative deposits after the fact, and cannot prevent the overall size of derivative deposits from becoming too large beforehand.

[0006] In a first aspect, embodiments of this application provide a data processing method, the method comprising:

[0007] Upon detecting that the first lending institution has received a loan request from the first lending account, in response to the first lending institution's issuance instruction, a derivative deposit certificate of the first amount is issued in the blockchain to the first lending institution's derivative deposit certificate account.

[0008] Based on the calculation rules of smart contracts in the blockchain, the first amount and the preset deposit reserve ratio are processed to obtain the second amount;

[0009] If the amount of unfrozen basic monetary certificates in the basic monetary certificate account of the first lending institution is greater than or equal to the second amount, the second amount of basic monetary certificates in the basic monetary certificate account of the first lending institution shall be frozen based on the freezing rules of the smart contract in the blockchain.

[0010] Based on the issuance rules of smart contracts in the blockchain, the first amount of derivative deposit certificates in the first lending institution's derivative deposit certificate account is issued to the first lending account.

[0011] Secondly, embodiments of this application provide a data processing apparatus, the apparatus comprising:

[0012] The first issuance module is used to, upon detecting that the first lending institution has received a loan request from the first lending account, respond to the issuance instruction of the first lending institution and issue a first amount of derivative deposit certificates to the first lending institution's derivative deposit certificate account in the blockchain.

[0013] The processing module is used to process the first quota and the preset deposit reserve ratio based on the calculation rules of smart contracts in the blockchain to obtain the second quota.

[0014] The freezing module is used to freeze the second amount of basic currency certificates in the basic currency certificate account of the first lending institution when the amount of unfrozen basic currency certificates in the basic currency certificate account is greater than or equal to the second amount, based on the freezing rules of the smart contract in the blockchain.

[0015] The disbursement module is used to disburse the first amount of derivative deposit certificates from the first lending institution's derivative deposit certificate account to the first lending account based on the disbursement rules of the smart contract in the blockchain.

[0016] Thirdly, embodiments of this application provide an electronic device, the device including: a processor and a memory storing computer program instructions;

[0017] When the processor executes computer program instructions, it implements the data processing method as shown in any embodiment of the first aspect.

[0018] Fourthly, embodiments of this application provide a computer storage medium storing computer program instructions, which, when executed by a processor, implement the data processing method shown in any embodiment of the first aspect.

[0019] Fifthly, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, enable the electronic device to perform the data processing method shown in any embodiment of the first aspect.

[0020] The data processing method, apparatus, device, and computer storage medium of this invention, upon detecting that a first lending institution has received a loan request from a first loan account user, responds to the first lending institution's issuance instruction by issuing a first amount of derivative deposit certificates in the blockchain to the first lending institution's derivative deposit certificate account. Then, based on the calculation rules of the smart contract in the blockchain, the first amount and a preset reserve requirement ratio are processed to obtain a second amount. If the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, the second amount of basic monetary certificates in the first lending institution's basic monetary certificate account is frozen based on the freezing rules of the smart contract in the blockchain. Based on the issuance rules of the smart contract in the blockchain, the first amount of derivative deposit certificates in the first lending institution's derivative deposit certificate account can be issued to the first loan account. Since derivative deposit certificates of the first loan institution can only be issued to the first loan account if the amount of unfrozen base money certificates in the base money certificate account of the first loan institution is greater than or equal to the second amount, the scale of derivative deposit certificates in the derivative deposit certificate account of the first loan institution can be controlled in advance to prevent the scale of derivative deposit certificates from becoming too large. Attached Figure Description

[0021] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0022] Figure 1 This is a flowchart illustrating a data processing method according to an exemplary embodiment;

[0023] Figure 2 This is a flowchart illustrating another data processing method according to an exemplary embodiment;

[0024] Figure 3 This is a schematic diagram of the structure of a data processing apparatus according to an exemplary embodiment;

[0025] Figure 4 This is a schematic diagram of the structure of an electronic device according to an exemplary embodiment. Detailed Implementation

[0026] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0027] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0028] Figure 1 A schematic flowchart of a data processing method provided in one embodiment of this application is shown.

[0029] like Figure 1 As shown, the execution entity of this data processing method can be the control module of the blockchain, and it can specifically include the following steps:

[0030] First, S110, upon detecting that the first lending institution has received a loan request from the first lending account, responds to the first lending institution's issuance instruction and issues a first-amount derivative deposit certificate to the first lending institution's derivative deposit certificate account in the blockchain.

[0031] Secondly, S120, based on the calculation rules of smart contracts in the blockchain, processes the first quota and the preset deposit reserve ratio to obtain the second quota;

[0032] Furthermore, S130, if the amount of unfrozen base currency certificates in the base currency certificate account of the first lending institution is greater than or equal to the second amount, the base currency certificates of the second amount in the base currency certificate account of the first lending institution shall be frozen based on the freezing rules of the smart contract in the blockchain.

[0033] Then, S140, based on the issuance rules of the smart contract in the blockchain, issues the first amount of derivative deposit certificates in the first lending institution's derivative deposit certificate account to the first lending account.

[0034] Therefore, upon detecting that the first lending institution has received a loan request from a user of the first loan account, in response to the first lending institution's issuance instruction, a first-amount derivative deposit certificate is issued in the blockchain to the first lending institution's derivative deposit certificate account. Then, based on the calculation rules of the smart contract in the blockchain, the first amount and a preset reserve requirement ratio are processed to obtain a second amount. If the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, the second amount of basic monetary certificates in the first lending institution's basic monetary certificate account is frozen according to the freezing rules of the smart contract in the blockchain. Based on the distribution rules of the smart contract in the blockchain, the first-amount derivative deposit certificates in the first lending institution's derivative deposit certificate account can be distributed to the first loan account. Since the first-amount derivative deposit certificates in the first lending institution's derivative deposit certificate account can only be distributed to the first loan account if the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, the scale of derivative deposits can be controlled in advance, preventing the occurrence of excessive derivative deposits.

[0035] The above steps are explained in detail below:

[0036] First, regarding S110, the first lending institution can be the institution that issues the loan. The first loan account can be the account of the user applying for the loan. The loan request can be a request from the user's first loan account to the first lending institution for a loan of a first amount. The first lending institution's issuance instruction can be an instruction sent by the first lending institution to the control module of the blockchain after receiving the loan request. This issuance instruction can be used to instruct the issuance of a derivative deposit certificate of the first amount to the first lending institution's derivative deposit certificate account in the blockchain. The derivative deposit certificate can be a certificate corresponding to the loan applied for by the user. The first lending institution's derivative deposit certificate account can be used to issue derivative deposit certificates to the first loan account.

[0037] Here, since the loan needs to be disbursed to the first loan account in the form of a derivative deposit certificate through the derivative deposit certificate account, after receiving the loan request, the derivative deposit certificate needs to be issued to the derivative deposit certificate account first, so that the derivative deposit certificate can be disbursed from the derivative deposit certificate account later.

[0038] In one example, after detecting that lending institution A, i.e. the first lending institution, has received a loan request for a loan of 100,000 from the first loan account b, lending institution A sends an issuance instruction to the blockchain control module to "issue a derivative deposit certificate of 100,000 to lending institution A's derivative deposit certificate account a". In response to the issuance order of lending institution A, the blockchain control module issues a derivative deposit certificate of 100,000 to lending institution A's derivative deposit certificate account a in the blockchain.

[0039] Based on this, in an optional implementation, before S110, the method may further include:

[0040] In response to the account opening instruction from the first lending institution, a derivative deposit certificate account of the first lending institution is opened in the blockchain.

[0041] Here, the account opening instruction from the first lending institution can be an instruction sent by the first lending institution to the control module of the blockchain, which can be used to instruct the first lending institution to open a derivative deposit certificate account in the blockchain. Since the first lending institution needs to issue derivative deposit certificates to the first loan account through the derivative deposit certificate account, it needs to open the derivative deposit certificate account in the blockchain first.

[0042] In one example, lending institution A sends an instruction to the blockchain's control module to open a derivative deposit certificate account a. The blockchain's control module responds to the instruction and opens lending institution A's derivative deposit certificate account a in the blockchain.

[0043] In this way, a derivative deposit certificate account can be opened in the blockchain for the first lending institution, so that the first lending institution can issue derivative deposit certificates to the first lending account through the derivative deposit certificate account.

[0044] Furthermore, in another alternative implementation, prior to S110, the method may further include:

[0045] In response to the account opening instructions from the lending regulator, the primary lending institution's base currency certificate account is opened in the blockchain.

[0046] Here, the lending regulator can be an institution that oversees the scale of derivative deposits. The lending regulator's account opening instruction can be a command sent to the blockchain's control module, instructing the opening of the primary lending institution's basic monetary certificate account within the blockchain. This basic monetary certificate account stores basic monetary certificates, which can be certificates corresponding to required reserves. Since the lending regulator needs to supervise the primary lending institution's loan disbursements through the basic monetary certificates in the primary lending institution's basic monetary certificate account, it is necessary to first open the primary lending institution's basic monetary certificate account on the blockchain.

[0047] In one example, a lending regulator can send an instruction to the blockchain's control module to open lending institution A's underlying monetary certificate account c. The blockchain's control module responds to the instruction by opening lending institution A's underlying monetary certificate account c in the blockchain.

[0048] In this way, a base money certificate account can be opened in the blockchain for the primary lending institution, so that lending regulators can supervise the primary lending institution's loan disbursement through the base money certificates in the primary lending institution's base money certificate account.

[0049] Secondly, regarding S120, the second quota can be the quota of the underlying monetary documents corresponding to the derivative deposit certificates of the first quota. The quota of the underlying monetary documents corresponding to the derivative deposit certificates of the first quota can be the deposit reserve quota corresponding to the loan of the first quota. The calculation rule can be the rule for calculating the second quota based on the first quota and the preset deposit reserve ratio. The specific calculation formula can be: Y = X × R, where Y can be the second quota, X can be the first quota, and R can be the deposit reserve ratio.

[0050] In one example, if the first limit is 100,000 and the reserve requirement ratio is 10%, then based on the calculation rules of smart contracts in the blockchain, the second limit is calculated to be 10,000.

[0051] Based on this, in an optional implementation, before S120, the method may further include:

[0052] In response to the setting instructions from lending regulators, reserve requirements are set in the blockchain.

[0053] Here, the setting instruction can be a command sent by the lending regulator to the control module of the blockchain to set the reserve requirement ratio. Since the second quota needs to be determined based on the first quota and the preset reserve requirement ratio, the reserve requirement ratio needs to be set in the blockchain first.

[0054] In one example, a lending regulator can send an instruction to the blockchain's control module to set the reserve requirement ratio to 10%, and the blockchain's control module responds to the instruction by setting the reserve requirement ratio to 10% in the blockchain.

[0055] Thus, by setting the deposit reserve ratio through the above process, it is easier to calculate the reserve amount corresponding to the loan, that is, the basic certificate amount corresponding to the derivative deposit certificate of the first amount.

[0056] Furthermore, regarding S130, the freezing rule can be that if the amount of unfrozen basic monetary certificates in the basic monetary certificate account of the first lending institution is greater than or equal to the second amount, the basic monetary certificates of the second amount in the basic monetary certificate account of the first lending institution can be frozen.

[0057] In one example, if the amount of unfrozen basic monetary certificates in the basic monetary certificate account c of lending institution A is 50,000, which is greater than the second limit of 10,000, then the amount of basic monetary certificates in the basic monetary certificate account c of lending institution A can be frozen up to 10,000.

[0058] Based on this, in an optional implementation, before S130, the method may further include:

[0059] In response to the issuance instructions of the lending regulator, base money certificates of the same amount as the base reserves paid by the first lending institution to the lending regulator are issued in the blockchain and sent to the base money certificate account of the first lending institution.

[0060] Here, the issuance instruction from the lending regulator can be an instruction sent by the lending regulator to the control module of the blockchain. This issuance instruction can instruct the issuance of base money certificates in the blockchain, with the amount equal to the base reserve deposited by the first lending institution to the lending regulator, to the first lending institution's base money certificate account. Since the lending regulator needs to supervise the first lending institution's loan disbursement through the base money certificates in the first lending institution's base money certificate account, it is necessary to first issue base money certificates in the blockchain to the first lending institution's base money certificate account.

[0061] In one example, lending institution A can exchange deposit reserves with a lending regulator through off-chain negotiation. For instance, lending institution A can deposit 50,000 in cash as deposit reserves with the lending regulator. After receiving the deposit reserves from lending institution A, the lending regulator can issue an instruction to the blockchain control module to "issue 50,000 of base money certificates to lending institution A's base money certificate account c". The blockchain control module responds to this instruction and issues 50,000 of base money certificates to lending institution A's base money certificate account c.

[0062] In this way, base money certificates of the same amount as the base reserves that the first lending institution pays to the lending regulator can be issued in the blockchain and deposited into the base money certificate account of the first lending institution, so that the lending regulator can supervise the first lending institution's loan disbursement through the base money certificates in the first lending institution's base money certificate account.

[0063] Then, regarding S140, the disbursement rule can be that if the second amount of base money certificates in the base money certificate account of the first lending institution has been frozen, then the first amount of derivative deposit certificates in the derivative deposit certificate account of the first lending institution can be disbursed to the first lending account.

[0064] Here, if the amount of unfrozen basic monetary certificates in the basic monetary certificate account of the first lending institution is greater than or equal to the second amount, the basic monetary certificates of the second amount can be frozen, indicating that the first lending institution can still issue loans. Therefore, the derivative deposit certificates of the first amount in the derivative deposit certificate account of the first lending institution can be issued to the first loan account. If the amount of unfrozen basic monetary certificates in the basic monetary certificate account of the first lending institution is less than the second amount, the basic monetary certificates of the second amount cannot be frozen, indicating that the first lending institution cannot issue the loan. Therefore, the derivative deposit certificates of the first amount in the derivative deposit certificate account of the first lending institution cannot be issued to the first loan account.

[0065] In one example, if the amount of unfrozen basic monetary certificates in the basic monetary certificate account c of lending institution A is 50,000, which is greater than the second limit of 10,000, then the amount of basic monetary certificates of 10,000 in the basic monetary certificate account c of lending institution A can be frozen, and then the amount of 100,000 in the derivative deposit certificate account a of lending institution A can be transferred to the first loan account b.

[0066] Furthermore, in an alternative implementation, after S140, the method may further include:

[0067] In response to a transfer instruction from the first loan account, the derivative deposit certificate of the third amount in the first loan account is transferred to the second loan account of the second lending institution;

[0068] Based on the transfer rules of smart contracts in the blockchain, the frozen fourth amount of base currency certificates in the base currency certificate account of the first lending institution will be transferred to the base currency certificate account of the second lending institution.

[0069] Here, the fourth quota can be the quota of the underlying monetary certificates corresponding to the derivative deposit certificates of the third quota. This quota can be obtained by processing the third quota and a preset reserve requirement ratio based on the calculation rules of smart contracts in the blockchain. The third quota is less than or equal to the first quota, and the fourth quota is less than or equal to the second quota. The transfer rule can be that if the derivative deposit certificates of the third quota in the first loan account are transferred to the second loan account of the second lending institution, then the underlying monetary certificates of the fourth quota that have been frozen in the underlying monetary certificate account of the first lending institution will be transferred to the underlying monetary certificate account of the second lending institution. The second lending institution can be any lending institution other than the first lending institution. The second loan account can be an account registered with the second lending institution.

[0070] If the first lending institution, after obtaining the first loan amount, wants to transfer the third loan amount from the first loan account to the second lending institution's second loan account, the first lending institution can send a transfer instruction to the blockchain control module. In response to the transfer instruction, the blockchain control module will transfer the derivative deposit certificate of the third loan amount in the first loan account to the second loan account of the second lending institution. Furthermore, it can also transfer the frozen fourth loan amount of base currency certificate in the base currency certificate account of the first lending institution to the base currency certificate account of the second lending institution and keep it frozen.

[0071] In one example, after receiving a request from first loan account b to transfer a loan of 10,000 to loan account e of loan institution B (i.e., the second loan institution), lending institution A sends a transfer instruction to the blockchain control module to "transfer 10,000 of derivative deposit certificates in first loan account b to second loan account e". In response to the transfer instruction, the blockchain control module transfers 10,000 of derivative deposit certificates in first loan account b to second loan account e, and then transfers 1,000 of base money certificates that have been frozen in lending institution A's base money account c to lending institution B's base money certificate account d, and keeps them frozen.

[0072] Thus, after the derivative deposit certificates in the first loan account are transferred to the loan accounts of other lending institutions, the corresponding portion of the base money certificates in the base money certificate account of the first lending institution can be transferred to the base money certificate account of other lending institutions. This makes the accounts clearer and facilitates settlement.

[0073] To better describe the overall solution, a specific example will be given based on the above embodiments. For example... Figure 2 As shown, the data processing method may include S201-S213, which will be explained in detail below.

[0074] S201 sets the required reserve ratio.

[0075] In a specific example, a lending regulator can send an instruction to the blockchain's control module to set the required reserve ratio to 10%, and the blockchain's control module responds to the instruction by setting the required reserve ratio to 10% in the blockchain.

[0076] S202, Open a basic monetary certificate account.

[0077] In a specific example, a lending regulator can send an instruction to the blockchain's control module to open lending institution A's underlying monetary certificate account c. The blockchain's control module responds to the instruction and opens lending institution A's underlying monetary certificate account c in the blockchain.

[0078] S203, Open a basic monetary certificate account.

[0079] In a specific example, a lending regulator can send an instruction to the blockchain's control module to open lending institution B's underlying monetary certificate account d. The blockchain's control module responds to the instruction by opening lending institution B's underlying monetary certificate account d in the blockchain.

[0080] S204, Open a derivative deposit certificate account.

[0081] In a specific example, lending institution A sends an instruction to the blockchain control module to open a derived deposit certificate account a. The blockchain control module responds to this instruction and opens lending institution A's derived deposit certificate account a in the blockchain. It should be noted that this application does not restrict the order of S201, S202, S203, and S204.

[0082] S205, Payment of deposit reserves.

[0083] In a specific example, lending institution A can exchange deposit reserves with the lending regulator through off-chain negotiation. For instance, lending institution A can deposit a cash amount of 50,000 with the lending regulator as deposit reserves.

[0084] S206, Issuance of base currency certificates.

[0085] In a specific example, after receiving the required reserves paid by lending institution A, the lending regulator can issue an instruction to the blockchain control module to "issue 50,000 base money certificates to lending institution A's base money certificate account c". The blockchain control module responds to the instruction and issues 50,000 base money certificates to lending institution A's base money certificate account c.

[0086] S207, Loan Request.

[0087] In a specific example, a user registers a loan account b, also known as the first loan account, with lending institution A. The user can then send a loan request for a loan of 100,000 to lending institution A through this loan account b.

[0088] S208, Issuance of derivative deposit certificates.

[0089] In a specific example, after detecting that lending institution A has received a loan request from loan account b for a loan of 100,000, lending institution A sends an issuance instruction to the blockchain control module to "issue a derivative deposit certificate of 100,000 to lending institution A's derivative deposit certificate account a". In response to the issuance order from lending institution A, the blockchain control module issues a derivative deposit certificate of 100,000 to lending institution A's derivative deposit certificate account a in the blockchain.

[0090] S209, Freeze base monetary certificates.

[0091] In a specific example, after issuing a derivative deposit certificate of 100,000 to lending institution A's derivative deposit certificate account 'a' in the blockchain, the corresponding amount of underlying monetary certificates, i.e., the second amount, can be calculated using the reserve requirement ratio. Since the reserve requirement ratio is 10% and the derivative deposit certificate amount is 100,000, the second amount is 10,000. Because lending institution A's underlying monetary certificate account 'c' has 50,000 in unfrozen underlying monetary certificates, which is greater than the second amount of 10,000, the remaining 10,000 in underlying monetary certificates in lending institution A's underlying monetary certificate account 'c' can be frozen.

[0092] S210, Issuance of derivative deposit certificates.

[0093] In a specific example, after freezing RMB 10,000 of basic monetary certificates in lending institution A's basic monetary certificate account c, RMB 100,000 of derivative deposit certificates in lending institution A's derivative deposit certificate account a can be transferred to loan account b.

[0094] S211, Transfer Request.

[0095] In a specific example, loan account b sends a loan request to lending institution A to "transfer the third-level loan to lending institution B".

[0096] S212, Transfer Derivative Deposit Certificate.

[0097] In a specific example, after receiving a loan request from loan account b, lending institution A sends a transfer instruction to the blockchain control module to "transfer a derivative deposit certificate of 10,000 in loan account b to loan account e". The blockchain control module responds to the transfer instruction and transfers the derivative deposit certificate of 10,000 in loan account b to loan account e, which is the second loan account.

[0098] S213, Transfer of frozen underlying monetary certificates.

[0099] In a specific example, after transferring 10,000 of derivative deposit certificates from loan account b to loan account e, the blockchain's control module transfers 1,000 of frozen base money certificates from base money account c of lending institution A to base money account d of lending institution B, and keeps them frozen.

[0100] Thus, upon detecting that the first lending institution has received a loan request from a user of the first loan account, in response to the first lending institution's issuance instruction, a first-amount derivative deposit certificate is issued in the blockchain to the first lending institution's derivative deposit certificate account. Then, based on the calculation rules of the smart contract in the blockchain, the first amount and a preset reserve requirement ratio are processed to obtain a second amount. If the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, the second amount of basic monetary certificates in the first lending institution's basic monetary certificate account is frozen according to the freezing rules of the smart contract in the blockchain. Based on the distribution rules of the smart contract in the blockchain, the first-amount derivative deposit certificates in the first lending institution's derivative deposit certificate account can be distributed to the first loan account. Since the first-amount derivative deposit certificates in the first lending institution's derivative deposit certificate account can only be distributed to the first loan account if the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, the scale of derivative deposits can be controlled in advance, preventing the scale of derivative deposits from becoming too large.

[0101] Furthermore, the data processing method provided in this application does not require manual data reporting, which can avoid data errors or data falsification.

[0102] Based on the same inventive concept, this application also provides a data processing apparatus. The following is in conjunction with... Figure 3 The data processing apparatus provided in the embodiments of this application will be described in detail.

[0103] Figure 3 This is a structural block diagram of a data processing apparatus according to an exemplary embodiment.

[0104] like Figure 3 As shown, the data processing apparatus may include:

[0105] The first issuance module 301 is used to, upon detecting that the first lending institution has received a loan request from the first lending account, respond to the issuance instruction of the first lending institution and issue a first amount of derivative deposit certificates to the first lending institution's derivative deposit certificate account in the blockchain.

[0106] The processing module 302 is used to process the first amount and the preset deposit reserve ratio based on the calculation rules of the smart contract in the blockchain to obtain the second amount.

[0107] The freezing module 303 is used to freeze the second amount of basic currency certificates in the basic currency certificate account of the first lending institution when the amount of unfrozen basic currency certificates in the basic currency certificate account is greater than or equal to the second amount, based on the freezing rules of the smart contract in the blockchain.

[0108] The disbursement module 304 is used to disburse the first amount of derivative deposit certificates from the first lending institution's derivative deposit certificate account to the first lending account based on the disbursement rules of the smart contract in the blockchain.

[0109] In one embodiment, the data processing apparatus may further include:

[0110] The first transfer module is used to issue the first amount of derivative deposit certificates in the first lending institution's derivative deposit certificate account to the first lending account based on the issuance rules of the smart contract in the blockchain. Then, in response to the transfer instruction of the first lending account, it transfers the third amount of derivative deposit certificates in the first lending account to the second lending institution's second lending account.

[0111] The second transfer module is used to transfer the frozen fourth amount of base currency certificates in the base currency certificate account of the first lending institution to the base currency certificate account of the second lending institution based on the transfer rules of the smart contract in the blockchain. The fourth amount is obtained by processing the third amount and the preset deposit reserve ratio based on the calculation rules of the smart contract in the blockchain.

[0112] In one embodiment, the data processing apparatus may further include:

[0113] The setting module is used to process the first quota and the preset reserve ratio according to the calculation rules of the smart contract in the blockchain, and before obtaining the second quota, it sets the reserve ratio in the blockchain in response to the setting instructions of the lending regulatory agency.

[0114] In one embodiment, the data processing apparatus may further include:

[0115] The first account opening module is used to open the first lending institution's derivative deposit certificate account in the blockchain in response to the first lending institution's account opening instruction before issuing the first amount of derivative deposit certificates to the first lending institution's derivative deposit certificate account in the blockchain.

[0116] In one embodiment, the data processing apparatus may further include:

[0117] The second account opening module is used to open the first lending institution's base money certificate account in the blockchain in response to the account opening instruction from the lending regulator before issuing the first amount of derivative deposit certificates to the first lending institution's derivative deposit certificate account in the blockchain.

[0118] In one embodiment, the data processing apparatus may further include:

[0119] The second issuance module is used to issue, in response to the issuance instruction of the lending regulator, base currency certificates in the blockchain of the same amount as the base reserves paid by the first lending institution to the lending regulator, to the base currency certificate account of the first lending institution before freezing the second amount of base currency certificates in the base currency certificate account of the first lending institution based on the freezing rules of the smart contract in the blockchain.

[0120] Therefore, upon detecting that the first lending institution has received a loan request from a user of the first loan account, in response to the first lending institution's issuance instruction, a first-amount derivative deposit certificate is issued in the blockchain to the first lending institution's derivative deposit certificate account. Then, based on the calculation rules of the smart contract in the blockchain, the first amount and a preset reserve requirement ratio are processed to obtain a second amount. If the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, the second amount of basic monetary certificates in the first lending institution's basic monetary certificate account is frozen according to the freezing rules of the smart contract in the blockchain. Based on the distribution rules of the smart contract in the blockchain, the first-amount derivative deposit certificates in the first lending institution's derivative deposit certificate account can be distributed to the first loan account. Since the first-amount derivative deposit certificates in the first lending institution's derivative deposit certificate account can only be distributed to the first loan account if the amount of unfrozen basic monetary certificates in the first lending institution's basic monetary certificate account is greater than or equal to the second amount, the scale of derivative deposits can be controlled in advance, preventing the occurrence of excessive derivative deposits.

[0121] Figure 4 This is a schematic diagram of the structure of an electronic device according to an exemplary embodiment.

[0122] like Figure 4 As shown, the electronic device 4 is a structural diagram of an exemplary hardware architecture of an electronic device that can implement the data processing method and data processing apparatus according to the embodiments of this application. This electronic device may refer to the electronic device in the embodiments of this application.

[0123] The electronic device 4 may include a processor 401 and a memory 402 storing computer program instructions.

[0124] Specifically, the processor 401 may include a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.

[0125] Memory 402 may include mass storage for data or instructions. For example, and not limitingly, memory 402 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 402 may include removable or non-removable (or fixed) media. Where appropriate, memory 402 may be internal or external to an integrated gateway disaster recovery device. In a particular embodiment, memory 402 is non-volatile solid-state memory. In a particular embodiment, memory 402 may include read-only memory (ROM), random access memory (RAM), disk storage media device, optical storage media device, flash memory device, electrical, optical, or other physical / tangible memory storage device. Thus, generally, memory 402 includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of this disclosure.

[0126] The processor 401 implements any of the data processing methods described in the above embodiments by reading and executing computer program instructions stored in the memory 402.

[0127] In one example, the electronic device may also include a communication interface 403 and a bus 404. Wherein, as... Figure 4 As shown, the processor 401, memory 402, and communication interface 403 are connected through bus 404 and complete communication with each other.

[0128] The communication interface 403 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of this application.

[0129] Bus 404 includes hardware, software, or both, that couples components of an electronic device together. For example, and not limitingly, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 410 may include one or more buses. Although specific buses are described and illustrated in embodiments of this application, this application contemplates any suitable bus or interconnect.

[0130] The electronic device can execute the data processing method described in the embodiments of this application, thereby achieving the combination Figures 1 to 3 The data processing methods and apparatus described.

[0131] Furthermore, in conjunction with the data processing methods in the above embodiments, this application embodiment can provide a computer storage medium for implementation. The computer storage medium stores computer program instructions; when these computer program instructions are executed by a processor, they implement any of the data processing methods in the above embodiments.

[0132] It should be clarified that this application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of this application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application.

[0133] The functional blocks shown in the above-described structural diagram can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this application are programs or code segments used to perform the required tasks. Programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried on a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0134] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0135] The aspects of this disclosure have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this disclosure. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, 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, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by special-purpose hardware performing the specified functions or actions, or can be implemented by a combination of special-purpose hardware and computer instructions.

[0136] The above description is merely a specific implementation of this application. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, modules, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here. It should be understood that the protection scope of this application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in this application, and these modifications or substitutions should all be covered within the protection scope of this application.

Claims

1. A data processing method, characterized in that, include: Upon detecting that the first lending institution has received a loan request from the first lending account, in response to the first lending institution's issuance instruction, a derivative deposit certificate of the first amount is issued in the blockchain to the first lending institution's derivative deposit certificate account. In response to the setting instructions of the lending regulator, the reserve requirement ratio is set in the blockchain; Based on the calculation rules of the smart contract in the blockchain, the first amount and the preset deposit reserve ratio are processed to obtain the second amount, which is the product of the first amount and the deposit reserve ratio. If the amount of unfrozen base money certificates in the base money certificate account of the first lending institution is greater than or equal to the second amount, the base money certificates of the second amount in the base money certificate account of the first lending institution shall be frozen based on the freezing rules of the smart contract in the blockchain. The base money certificates represent deposit reserves. Based on the issuance rules of the smart contract in the blockchain, the first amount of derivative deposit certificates in the first lending institution's derivative deposit certificate account is issued to the first loan account.

2. The method according to claim 1, characterized in that, After issuing the first amount of derivative deposit certificates from the first lending institution's derivative deposit certificate account to the first lending account according to the issuance rules of the smart contract in the blockchain, the method further includes: In response to a transfer instruction from the first loan account, the derivative deposit certificate of the third amount in the first loan account is transferred to the second loan account of the second lending institution. Based on the transfer rules of the smart contract in the blockchain, the fourth amount of base currency certificates that have been frozen in the base currency certificate account of the first lending institution are transferred to the base currency certificate account of the second lending institution. The fourth amount is obtained by processing the third amount and the preset deposit reserve ratio based on the calculation rules of the smart contract in the blockchain.

3. The method according to claim 1, characterized in that, Before issuing the first tranche of derivative deposit certificates to the first lending institution's derivative deposit certificate account in the blockchain, the method further includes: In response to the account opening instruction from the first lending institution, a derivative deposit certificate account of the first lending institution is opened in the blockchain.

4. The method according to claim 1, characterized in that, Before issuing the first tranche of derivative deposit certificates to the first lending institution's derivative deposit certificate account in the blockchain, the method further includes: In response to the account opening instruction from the lending regulator, the first lending institution's base currency certificate account is opened in the blockchain.

5. The method according to claim 1, characterized in that, Before freezing the second amount of underlying monetary certificates in the underlying monetary certificate account of the first lending institution based on the freezing rules of the smart contract in the blockchain, the method further includes: In response to the issuance instruction of the lending regulator, base money certificates of the same amount as the base reserves paid by the first lending institution to the lending regulator are issued in the blockchain and sent to the base money certificate account of the first lending institution.

6. A data processing apparatus, characterized in that, The device includes: The first issuance module is used to, upon detecting that the first lending institution has received a loan request from the first lending account, respond to the issuance instruction of the first lending institution and issue a first amount of derivative deposit certificates to the first lending institution's derivative deposit certificate account in the blockchain. The setting module is used to set the reserve requirement ratio in the blockchain in response to setting instructions from the lending regulator; The processing module is used to process the first amount and the preset deposit reserve ratio based on the calculation rules of the smart contract in the blockchain to obtain a second amount, wherein the second amount is the product of the first amount and the deposit reserve ratio. The freezing module is used to freeze the second amount of base currency certificates in the base currency certificate account of the first lending institution, based on the freezing rules of the smart contract in the blockchain, when the amount of unfrozen base currency certificates in the base currency certificate account of the first lending institution is greater than or equal to the second amount. The base currency certificates represent deposit reserves. The disbursement module is used to disburse a first amount of derivative deposit certificates from the first lending institution's derivative deposit certificate account to the first loan account based on the disbursement rules of the smart contract in the blockchain.

7. An electronic device, characterized in that, The device includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the data processing method as described in any one of claims 1-5.

8. A computer storage medium, characterized in that, The computer storage medium stores computer program instructions, which, when executed by a processor, implement the data processing method as described in any one of claims 1-5.

9. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device is able to perform the data processing method as described in any one of claims 1-5.

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