Asset data processing method, device, processor and electronic equipment

Abstract

The present application discloses an asset data processing method, device, processor, and electronic device. It relates to the field of blockchain, and the method includes: responding to an asset data transfer request and generating a transfer transaction, wherein the transfer transaction includes transaction information; sending the transfer transaction to the target accounting node with the highest priority in the accounting list according to a preset accounting list, and having the target accounting node verify the transfer request and execute the transfer transaction; receiving the processing result returned by the target accounting node; and if the processing result determines that the transfer transaction has not been processed, sending the transfer transaction to subsequent accounting nodes according to the priority in the preset accounting list until the transfer transaction is processed. This application solves the problem in the related art that different banks manage customer asset data in their own ways, cannot form a connection, and result in poor convenience in the flow and change of asset data.

Description

Technical Field

[0001] The present application relates to the field of blockchain, and specifically, to an asset data processing method, device, processor, and electronic device. Background Art

[0002] In recent years, with the rise of domestic consumer finance, the electronic payment card business with credit lines and overdraft functions has flourished. As of the end of the fourth quarter of 2020, the number of electronic payment cards and combined credit and debit cards with credit lines and overdraft functions in use nationwide increased by 1.57% month-on-month. The average number of electronic payment cards and combined credit and debit electronic payment cards with credit lines and overdraft functions held by the national average person is 0.56, and the average credit line of each card nationwide is 24,400 yuan. Driven by the increasing popularity of electronic payment cards with credit lines and overdraft functions as one of the mainstream payment methods, people's demand for automatic repayment has become prominent. However, the current credit card automatic repayment service cannot fully meet this demand:

[0003] The emergence of automatic repayment services aims to address the problem of some consumers failing to repay overdrafts promptly due to forgetfulness or other reasons, resulting in negative credit records. Users of electronic debit cards with credit limits and overdraft functions must first sign an automatic repayment agreement with the issuing bank, specifying the transferor to whom the overdraft will be repaid. However, this agreement typically only allows the issuing bank's account to be used as the transferor, and the transfer method is relatively fixed, making it difficult for customers to flexibly manage funds and repay electronic debit cards with credit limits and overdraft functions. If the transferor's account balance is insufficient on the due date, the automatic repayment will fail, which still fails to help customers avoid the credit risk of negative credit records.

[0004] While some banks have introduced automatic interbank repayment services, the transferor options are still limited to the bank accounts designated by the issuing bank and subject to transaction limits. Generally speaking, issuing banks do not impose a repayment cap on repayments for electronic payment cards with no credit limit or deposit-first-before-spending requirements linked to their own bank. However, they do impose a cap on the maximum single repayment amount for debit cards linked to other banks. If the transferor's monthly repayment amount exceeds the transaction cap, the repayment will fail.

[0005] Currently, no effective solution has been proposed to the problem that different banks manage customer asset data in their own ways, which makes it impossible to connect them together and results in poor convenience in the flow and change of asset data. Summary of the Invention

[0006] The main purpose of this application is to provide an asset data processing method, device, processor and electronic device to solve the problem in related technologies that different banks manage customer asset data in their own ways and cannot form a connection, resulting in poor convenience in the flow and change of asset data.

[0007] To achieve the above-mentioned purpose, according to one aspect of the present application, an asset data processing method is provided, comprising: responding to an allocation request for asset data, generating an allocation transaction, wherein the allocation transaction includes transaction information; sending the allocation transaction to a target accounting node with the highest priority in the accounting list according to a preset accounting list, and having the target accounting node verify the allocation request and execute the allocation transaction, wherein the accounting list includes a plurality of first accounting nodes arranged in order of processing priority, and the plurality of first accounting nodes are all blockchain nodes; receiving a processing result returned by the target accounting node, wherein the processing result includes an execution result of the transfer transaction by the target accounting node; if the processing result determines that the transfer transaction has not been processed, sending the transfer transaction to a subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is processed.

[0008] Optionally, when the processing result determines that the transfer transaction has not been completed, the transfer transaction is sent to the subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is completed. The method also includes: receiving the execution result of the transfer transaction processing completion; sending the execution results of multiple second accounting nodes that process the transfer transaction to a packaging node, wherein the packaging node is used to package the execution results of multiple second accounting nodes of the transfer transaction, generate a block, and send the block to the multiple second accounting nodes that process the transfer transaction, and the multiple second accounting nodes perform accounting according to the block.

[0009] Optionally, after sending the execution results of multiple second accounting nodes that process the transfer transaction to the packaging node, the method further includes: receiving the accounting results sent by the second accounting node or the packaging node.

[0010] Optionally, there are multiple transfer requests, and multiple transfer transactions are generated. Sending the execution results of multiple second accounting nodes that process the transfer transactions to the packaging node includes: collecting the multiple transfer transactions into multiple time windows; and sending the multiple transfer transactions to the packaging node in sequence according to the time order of the time windows of the transfer transactions.

[0011] Optionally, according to a preset accounting list, the transfer transaction is sent to a target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request. Before executing the transfer transaction, the method further includes: determining multiple first accounting nodes that have performed account opening operations, wherein the multiple relevant accounting nodes are accounting nodes that have performed account opening operations; and prioritizing the multiple first accounting nodes according to preset rules to generate the accounting list.

[0012] Optionally, the preset rules include at least one of the following: randomly sorting multiple first accounting nodes; sorting multiple first accounting nodes in chronological order of account opening time; sorting multiple first accounting nodes in chronological order of inclusion in the blockchain; sorting multiple first accounting nodes according to a custom order.

[0013] Optionally, according to a preset accounting list, the transfer transaction is sent to a target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction, including: according to the preset accounting list, sending the transfer transaction to the target accounting node with the highest priority among multiple accounting nodes in the accounting list as the target accounting node; sending the transaction information of the transfer transaction to the information system through the target accounting node for identity authentication; if the verification is passed, executing the transfer transaction according to the smart contract corresponding to the target accounting node and the transaction information, and generating an execution result, wherein the execution result is the result after the target accounting node signs the certificate.

[0014] Optionally, an asset data processing device includes: a generation module for responding to an allocation request for asset data and generating an allocation transaction, wherein the allocation transaction includes transaction information; a sending module for sending the allocation transaction to a target accounting node with the highest priority in a preset accounting list according to the preset accounting list, and the target accounting node verifies the allocation request and executes the allocation transaction, wherein the accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are all blockchain nodes; a receiving module for receiving a processing result returned by the target accounting node, wherein the processing result includes an execution result of the transfer transaction by the target accounting node; a processing module for sending the transfer transaction to subsequent first accounting nodes according to the priority in the preset accounting list when the processing result determines that the transfer transaction has not been processed, until the transfer transaction is processed.

[0015] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a processor is provided, which is used to run a program, wherein the program executes any one of the above-mentioned asset data processing methods when running.

[0016] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is provided, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the asset data processing methods described above.

[0017] The present application adopts the following steps: responding to an asset data transfer request, generating a transfer transaction, wherein the transfer transaction includes transaction information; sending the transfer transaction to a target accounting node with the highest priority in the accounting list according to a preset accounting list, wherein the target accounting node verifies the transfer request and executes the transfer transaction, wherein the accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are blockchain nodes; receiving a processing result returned by the target accounting node, wherein the processing result includes the execution result of the transfer transaction by the accounting node; if the processing result determines that the transfer transaction has not been processed, sending the transfer transaction to a subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is processed. The transfer transaction is jointly processed and recorded by the accounting nodes of multiple different asset accounts on the blockchain, responding to the asset transfer request in a timely manner, and processing the transfer transaction using different asset accounts. This solves the problem in the related art that different banks manage customer asset data in their own ways, cannot form a connection, and leads to poor convenience in the flow and change of asset data. This has the effect of improving the connectivity of customers' different asset accounts and the convenience of customer asset management. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The accompanying drawings, which constitute part of this application, are intended to provide a further understanding of this application. The exemplary embodiments and descriptions of this application are intended to explain this application and do not constitute an improper limitation on this application. In the accompanying drawings:

[0019] Figure 1 is a flowchart of an asset data processing method provided in an embodiment of the present application;

[0020] Figure 2 This is a schematic diagram of the structure of a blockchain-based inter-bank automatic repayment system provided according to an embodiment of the present application;

[0021] Figure 3 This is a business processing flow chart of the inter-bank automatic repayment system provided according to the implementation method of this application;

[0022] Figure 4-1 This is a schematic diagram of the process proposal processing stage provided according to the implementation method of this application;

[0023] Figure 4-2 This is another schematic diagram of the proposal processing stage of a process provided according to an embodiment of the present application;

[0024] Figure 5 It is a schematic diagram of the packaging stage of the process processing according to the implementation method of this application;

[0025] Figure 6 It is a schematic diagram of the process processing verification stage according to the implementation method of this application;

[0026] Figure 7 is a schematic diagram of an asset data processing device provided according to an embodiment of the present application;

[0027] Figure 8 is a schematic diagram of an electronic device provided according to an embodiment of the present application. DETAILED DESCRIPTION

[0028] It should be noted that, in the absence of conflict, the embodiments and features of the embodiments in this application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0029] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this application.

[0030] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0031] The present invention will be described below in conjunction with preferred implementation steps. Figure 1 is a flowchart of the asset data processing method provided in accordance with an embodiment of the present application, such as Figure 1 As shown, the method includes the following steps:

[0032] Step S101, generating a transfer transaction in response to an asset data transfer request, wherein the transfer transaction includes transaction information;

[0033] Step S102: According to a preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority in the accounting list. The target accounting node verifies the transfer request and executes the transfer transaction. The accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are all blockchain nodes.

[0034] Step S103: receiving a processing result returned by the target accounting node, wherein the processing result includes the execution result of the transfer transaction by the target accounting node;

[0035] Step S104: If the processing result determines that the transfer transaction has not been completed, the transfer transaction is sent to the subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is completed.

[0036] The execution subject of the above steps may be a processor or a controller. Through the above steps, in response to an asset data transfer request, an transfer transaction is generated, wherein the transfer transaction includes transaction information; according to a preset accounting list, the transfer transaction is sent to a target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction, wherein the accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are all blockchain nodes; a processing result returned by the target accounting node is received, wherein the processing result includes the execution result of the transfer transaction by the target accounting node; if the processing result determines that the transfer transaction is not completed, the transfer transaction is sent to a subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is completed. The transfer transaction is jointly processed and recorded by the accounting nodes of multiple different asset accounts on the blockchain, and the asset transfer request is responded to in a timely manner. The transfer transaction can be processed using different asset accounts, thereby solving the problem in the related art that different banks manage customer asset data in their own ways, cannot form a connection, and result in poor convenience in the flow and change of asset data. This has the effect of improving the connectivity of customers' different asset accounts and the convenience of customer asset management.

[0037] The above-mentioned transfer transaction can be to transfer asset data from one unit or account to another unit or account. The above-mentioned transfer transaction can be initiated by any user, enterprise or asset institution, and the user's other asset accounts can automatically issue the above-mentioned transfer request through asset transfer.

[0038] The above-mentioned first accounting node is an accounting node in the blockchain. The first accounting node can correspond to the user's account opening bank, or a third-party financial institution with account asset management authority. The executor of the above steps can be a client. The client is connected to the above-mentioned blockchain in the form of a node. After receiving the transfer request, the client generates an transfer transaction, and the transfer transaction can be sent to one or more first accounting nodes in the blockchain to process the transfer transaction, thereby solving the problem in the existing technology that automatic repayment can only be managed by the issuing bank, the transfer form is fixed, and the customer's flexible capital turnover cannot be achieved. For example, when a user, enterprise or issuing bank initiates a repayment request, the user's other asset account funds can be transferred to the account that needs to be repaid, so that the account to be repaid can be repaid in time, avoiding the situation where the user's credit is poor.

[0039] The asset data of the user may be the data of the bank assets or the assets of a third-party financial institution corresponding to the first accounting node. The asset data request may be a request for user asset transfer. By responding to the asset data request, the transfer transaction may be generated. The transfer transaction may further include transaction information. The transaction information may include user asset account information, smart contract information with each asset account, time requirement information, and detailed information on the asset transfer plan data.

[0040] The above-mentioned accounting list can be a priority list of accounting nodes in the blockchain corresponding to the user asset account. Since there can be multiple corresponding accounts for user assets, any user asset account can correspond to at least one accounting node, wherein the above-mentioned target accounting node and the first accounting node are both blockchain nodes. In addition, the above-mentioned first accounting node can also account for transactions of the user account, wherein the accounting node with the highest priority among the first accounting nodes can be the target accounting node. The above-mentioned target accounting node can give priority to responding to the transfer request of the above-mentioned transfer transaction. The above-mentioned target accounting node first verifies the user identity information or user account security of the transaction information of the transfer request. After the verification is passed, the above-mentioned transfer transaction can be executed, and the assets of the above-mentioned target accounting node can be transferred to the account that initiated the transfer transaction.

[0041] The order of processing transfer transactions of multiple first accounting nodes can be determined through the above-mentioned accounting list. When processing transfer transactions, they are processed according to the priority in the accounting list, which can improve the processing efficiency of transfer transactions.

[0042] After the target accounting node completes processing the transfer transaction, it may return a processing result. The processing result may include the execution result of the transfer transaction by the target accounting node. If the transfer transaction is not completed as determined by the processing result, that is, the target accounting node transfers assets to the account that initiated the asset transfer request, and the assets allocated by the target accounting node are less than the planned asset allocation data, then it can be determined that the transfer transaction is not completed. In this case, the transfer transaction can be sent to the first subsequent accounting node according to the priority of the preset accounting list until the transfer transaction is completed.

[0043] Through the accounting nodes of multiple different asset accounts on the blockchain, transfer transactions are jointly processed and recorded, and asset transfer requests can be responded to promptly. Transfer transactions can also be processed using different asset accounts. This solves the problem in related technologies where different banks manage customer asset data in their own ways, resulting in a lack of connectivity and poor convenience in the flow and change of asset data. This improves the connectivity of different customer asset accounts and the convenience of customer asset management.

[0044] Optionally, when the processing result determines that the transfer transaction has not been completed, the transfer transaction is sent to the subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is completed. The method also includes: receiving the execution result of the transfer transaction processing completion; sending the execution results of multiple second accounting nodes that process the transfer transaction to the packaging node, wherein the packaging node is used to package the execution results of the multiple second accounting nodes of the transfer transaction, generate a block, and send the block to the multiple second accounting nodes that process the transfer transaction, and the multiple second accounting nodes perform accounting according to the block.

[0045] The above-mentioned second accounting node can be an accounting node in the blockchain. When the processing result determines that the transfer transaction has not been completed, the transfer transaction is sent to the subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is completed. The execution result of the transfer transaction can also be received. The processing results of multiple second accounting nodes that process the transfer transaction can be sent to the packaging node. The packaging node can package the processing results of the above-mentioned multiple second accounting nodes to generate a packaged block. The above-mentioned packaged block can be connected to the blockchain. The execution result contained in the above-mentioned block can also be sent to multiple second accounting nodes that process the transfer transaction. The second accounting node that receives the above-mentioned execution result performs accounting according to the block.

[0046] By processing the transfer transactions in sequence through the above-mentioned multiple second accounting nodes, the problem in the related art that the amount of assets transferred into the repayment account by the user's other accounts once or several times does not meet the requirements, resulting in repayment failure and affecting the user's credit is solved, and the technical problem of efficient automatic repayment of the repayment account is achieved.

[0047] Optionally, after sending the execution results of multiple second accounting nodes that process the transfer transaction to the packaging node, the method also includes: receiving the accounting results sent by the second accounting node or the packaging node.

[0048] After sending the execution results of multiple second-accounting nodes processing transfer transactions to the packaging node, the accounting results of these second-accounting nodes or packaging nodes can also be sent to the user end. The sending of these accounting results can be based on the user's subscription requirements. The user can subscribe to any second-accounting node or packaging node in the blockchain through the client. The second-accounting nodes and packaging nodes in the blockchain will perform accounting processing based on the packaged blocks to obtain the final accounting results.

[0049] Optionally, there are multiple transfer requests and multiple transfer transactions generated, and sending the execution results of multiple second accounting nodes that process the transfer transactions to the packaging node includes: collecting the multiple transfer transactions into multiple time windows; and sending the multiple transfer transactions to the packaging node in sequence according to the time order of the time windows of the transfer transactions.

[0050] Multiple allocation requests can be initiated, and multiple allocation transactions corresponding to the allocation requests can also be established. The establishment times of the multiple allocation transactions can be collected into multiple time windows respectively. According to the chronological order of the time windows of the allocation transactions, the multiple allocation transactions can be executed and processed in sequence. The execution results of the multiple allocation transactions can also be sent to multiple packaging nodes in sequence. The packaging nodes generate packaging blocks and send the execution processing results contained in the packaging blocks to relevant accounting nodes.

[0051] For example, the client may receive more than one transaction. When the transactions are collected within a certain time window, the client sends the transactions to the proposer (also known as the packager) in chronological order. The proposer packages the transactions into blocks and sends them back to the client; the proposal node (the above-mentioned packaging node) sends the packaged blocks to the relevant accounting nodes involved in this transaction; each accounting node updates the received backup blocks to its own ledger.

[0052] By establishing multiple transfer transactions according to the number of transfer requests initiated, each transfer request can be processed in a timely manner, which solves the problem in related technologies that users initiate repayment requests from multiple repayment accounts and fail to repay in time, resulting in a decline in user credit, and achieves the technical effect of improving the timeliness of user repayments.

[0053] Optionally, according to a preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request. Before executing the transfer transaction, the method also includes: determining multiple first accounting nodes that have performed account opening operations, wherein the relevant multiple accounting nodes are accounting nodes that have performed account opening operations; and according to preset rules, prioritizing the multiple first accounting nodes to generate an accounting list.

[0054] The above-mentioned first accounting node can generate an accounting list by prioritizing multiple accounting nodes that have multiple corresponding relationships with multiple asset accounts of the user, and can sequentially process the transfer transaction according to the priority order of the first accounting node in the accounting list, wherein the first accounting node with the highest priority in the accounting list can be the target accounting node, that is, the above-mentioned target accounting node can first receive the transfer transaction and execute the transfer transaction.

[0055] By processing the transfer transactions in order of priority using an accounting list, the problem of disorderly repayment of the repayment account by the user's other asset accounts in the existing technology is solved, and the technical effect of improving the repayment efficiency of the account to be repaid is achieved.

[0056] Optionally, the preset rules include at least one of the following: randomly sorting the multiple first accounting nodes; sorting the multiple first accounting nodes in chronological order of account opening time; sorting the multiple first accounting nodes in chronological order of inclusion in the blockchain; and sorting the multiple first accounting nodes according to a custom order.

[0057] The priority order of the above-mentioned multiple first accounting nodes can be random ordering, or they can be sorted according to the order of account opening time of the multiple first accounting nodes, or they can be sorted according to the order of time when the multiple first accounting nodes are included in the blockchain, or the multiple first accounting nodes can be sorted according to a user-defined order.

[0058] For example, the priority algorithm setPriority() is selected according to the rules agreed upon in the smart contract. This embodiment provides the following algorithms: ① Random sorting algorithm: Randomly sort the relevant account nodes of the customer in the blockchain; ② Roulette algorithm: Roulette sorting is performed according to the account opening time or the time when the relevant account nodes of the customer in the blockchain are included in the blockchain management; ③ User-defined priority: According to the customer's wishes, the repayment account order is agreed upon when the automatic repayment is signed;

[0059] By selecting the processing order of the first accounting node for the allocation transaction in a variety of ways, the technical problems of disordered repayment or single repayment order in the existing technology are solved, and the technical effect of improving the diversity of repayment order is achieved.

[0060] Optionally, according to a preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction, including: according to the preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority among multiple accounting nodes in the accounting list as the target accounting node; the transaction information of the transfer transaction is sent to the information system for identity authentication through the target accounting node; if the verification is passed, the transfer transaction is executed according to the smart contract corresponding to the target accounting node and the transaction information, and an execution result is generated, wherein the execution result is the result after the target accounting node signs the certificate.

[0061] According to the preset accounting list, the transaction information of the transfer transaction can be sent first to the accounting node with the highest priority in the accounting list, that is, to the above-mentioned target accounting node. After verification and processing by the target accounting node, if the transfer transaction is still not processed, it can be sent to the next accounting node in the accounting list, and so on, until the transfer transaction processing is completed or all accounting in the accounting list are polled.

[0062] When the target accounting node or other first accounting node receives the transfer transaction, it may first verify the transaction information of the transfer transaction, verify the user account information in the transaction information and send it to the information system for identity authentication, and search and verify on the customer blacklist shared by various financial institutions in the blockchain. If the above verification is passed, the first accounting node may execute the transfer transaction according to the smart contract corresponding to the accounting node and the transaction information, transfer the assets of the first accounting node, and generate an execution result. The first accounting node may sign its execution result with a certificate, and may also send the execution result signed by the certificate of one or more first accounting nodes that process the transfer transaction to the packaging node.

[0063] For example, assuming that the priorities are accounting node 1 of bank 1 and accounting node 2 of bank 2, the client will send TX to accounting node 1 in the alliance chain first; accounting node 1 receives TX (that is, the above-mentioned transfer transaction) and first verifies the message, and then simulates the execution of the smart contract. Message verification includes: sending the transaction information to the information system through the business auxiliary network to obtain the certificate verification result; searching the suspicious list on the customer blacklist shared by the alliance chain, which can effectively reduce the risk of bank fund loss caused by data silos between card issuers in the traditional model; accounting node 1 returns the result and its CA certificate signature to the client; if Figure 4-1 As shown in the figure, the client initiated a transaction TX, which is recorded as<T1,P> , T1 represents the transaction ID, and P represents the relevant transaction information. The client sends TX to the relevant accounting node in the blockchain network. The accounting node verifies the message, simulates the execution of the smart contract, and then returns the processing result and CA certificate signature to the client. The returned transaction is recorded as<T1,R1,E1> , R1 represents the response processing result, and E1 represents the signature.

[0064] By authenticating transaction information or checking the shared blacklist in the blockchain, the problem of capital loss caused by untimely information exchange between multiple asset institutions in the existing technology is solved, achieving the technical effect of improving the security of assets institutions' funds.

[0065] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0066] This embodiment also provides an optional implementation method, which is described in detail below.

[0067] This implementation addresses the shortcomings and deficiencies in existing technologies and provides a blockchain-based automatic repayment sequence clearing system and method. This approach aims to address the current issue where automatic repayment agreements for electronic card payments with credit limits and overdraft functions can only be managed by the issuing bank and can only be used to agree on repayments to the issuing bank's account.

[0068] In order to solve the risks of automatic repayment failure and overdue payment resulting in bad customer credit due to the strong dependence of the agreement on the issuing bank in the existing automatic repayment business of electronic payment cards with credit limit and overdraft functions, and to achieve the goal of automatic repayment across banks and institutions, this implementation method proposes an automatic repayment sequence clearing solution based on blockchain technology to achieve convenient, intelligent and efficient automatic repayment, truly solving the current user pain points.

[0069] This implementation introduces blockchain technology to transform the traditional inter-bank automatic repayment process. Based on the decentralized, tamper-proof, open, transparent, and traceable characteristics of blockchain technology, it enables flexible processing of the order of automatic repayment accounts:

[0070] ① During the agreement signing phase, the customer's account and identity information is incorporated into a consortium chain consisting of card-issuing banks, third-party financial institutions, and regulatory agencies. The repayment account priority is determined based on a priority algorithm, and a smart contract is generated that specifies the rights and obligations of each participant in the automatic repayment process. This allows for the dynamic construction of an automatic repayment agreement for electronic card payments with credit limits and overdraft functions.

[0071] ② During the payment initiation phase, the payment is transmitted to the relevant accounting nodes in sequence based on the priority list. At the same time, the account status and account balance involved are verified based on the personal digital information in the blockchain distributed ledger. If there is any abnormality in the account, the current account can be skipped or the transaction can be terminated.

[0072] ③ During the funds transfer stage, the use of blockchain technology can eliminate intermediaries, reduce the number of participants, lower intermediary fees, and improve the cost structure; at the same time, special nodes such as regulatory agencies and institutions can obtain transaction data, monitor transaction status in real time, and receive cash-out warnings and reminders through preset conditions in smart contracts.

[0073] ④ During the entire transaction stage, through blockchain technology, all transaction information is recorded in a distributed ledger, which can be queried and reviewed by regulatory authorities, thereby achieving automated compliance processing.

[0074] This embodiment is mainly achieved through the following technical solutions:

[0075] 1. System framework:

[0076] The essence of blockchain is a "decentralized" distributed ledger. On the one hand, the ledger formed by the "block" structure records all transaction information, and each block is connected by a "chain" in chronological order; on the other hand, the ledger is stored in all nodes of the Internet, and each node has a complete backup and cannot be tampered with at will. The "block" (complete history) plus the "chain" (complete verification) constitute a ledger database that can trace complete historical transactions.

[0077] A consortium chain is a type of blockchain that is limited to consortium members and jointly maintained by institutional members. Network access is through the gateway nodes of member institutions. Generally speaking, it is suitable for B2B scenarios such as inter-institutional transactions, settlements or clearing. Figure 2 This is a schematic diagram of the structure of the inter-bank automatic repayment system based on blockchain provided in accordance with the implementation of this application. Figure 2As shown, based on the overall design concept of "blockchain + cross-bank and cross-institution automatic repayment," the distributed ledger-based consortium chain system described in this embodiment is jointly constructed by card issuing banks, third-party financial institutions, and regulatory agencies, and jointly performs transaction verification, transaction authorization, and transaction sharing. Whether a real-time repayment of an electronic card with a credit limit and overdraft functionality is initiated by a customer, or a batch of automatic repayments initiated by the issuing bank, once a transaction is created, the transaction, including account and transaction information, is propagated and shared to the relevant nodes in the consortium chain via a peer-to-peer (P2P) network. Each node deducts funds according to the repayment account priority determined by a priority algorithm until the overdraft is fully repaid. After consistency verification, all nodes record the transaction, generating a reliable and irrefutable transaction record. This enables cross-bank and cross-institution repayment of electronic cards with credit limits and overdraft functionality through blockchain. By uploading the account information and blacklist data of each participating institution to the blockchain, a shared blacklist and suspicious user data lake is formed, effectively preventing malicious customer cash-outs and reducing the risk of bank capital loss. The alliance chain also has an auxiliary business network that can be used for point-to-point encrypted transmission and connecting the system with the credit reporting system for data query. It is used for file information transmission between different transaction entity nodes and user document information verification.

[0078] 2. Role division:

[0079] Based on the different divisions of labor and roles of different nodes in the alliance chain, all roles involved in the construction in this implementation are described as follows:

[0080] Client: A user program developed and maintained by system developers that accepts monthly repayment requests for electronic credit cards with credit limits and overdrafts from business participants (individuals, businesses, or issuing banks of electronic credit cards with credit limits and overdrafts) and creates transactions. The client obtains the repayment account priority based on the priority algorithm rules set in the smart contract and propagates the repayment account priority order to other relevant nodes in the blockchain via the peer-to-peer (P2P) network. The client does not participate in the accounting process, but because it subscribes to the messaging service, it can obtain the accounting results.

[0081] Accounting nodes: These nodes are generally composed of financial institutions such as banks and third-party financial institutions that can provide repayment accounts. Their main task is to simulate the execution of smart contracts and return the results and their respective CA certificate signatures (CA, Certificate Authority, the official issuing authority) to the client. They also receive candidate blocks from proposers, verify the results, and write the candidate blocks into the ledger in chronological order.

[0082] Proposer: Its main task is to accept transactions from clients, group transactions by time slice, check their validity, and package transactions within the current time slice into blocks and send them to accounting nodes.

[0083] Other nodes: composed of regulatory agencies, systems, etc., which can monitor the transaction process in the blockchain network in real time, obtain transaction results, and receive early warnings of cash-out and malicious transactions.

[0084] 3. Process design:

[0085] Figure 3 This is a business process flow chart of the inter-bank automatic repayment system provided according to the implementation method of this application, such as Figure 3 As shown, taking a successful inter-bank automatic repayment business as an example, combined with Figure 3 The processing flow chart explains how blockchain can implement flexible repayment across banks and institutions:

[0086] Step a1: The client receives a transaction request from the service provider, i.e., a repayment request from the issuing bank of an electronic card with a credit limit and overdraft function, and simultaneously creates a transaction TX (also known as the aforementioned partitioned transaction). This transaction should include information such as the electronic card account with a credit limit and overdraft function for this repayment, the smart contract ID (i.e., identification number), details of this repayment plan, and a timestamp. The priority algorithm setPriority() is selected according to the rules agreed upon in the smart contract. This system provides the following algorithms.

[0087] ① Random sorting algorithm: Randomly sort the customer's related account nodes in the blockchain;

[0088] ② Roulette algorithm: Roulette sorting is performed based on the time when the customer opened an account in the relevant account node in the blockchain or the time when the account was included in the blockchain management;

[0089] ③ User-defined priority: According to the customer's wishes, the order of repayment accounts is agreed upon when signing the automatic repayment agreement;

[0090] Step a2: Assuming that the priorities are Bank 1's Accounting Node 1 (also known as the target accounting node) and Bank 2's Accounting Node 2, the client will send TX to Accounting Node 1 in the consortium chain first;

[0091] Step a3: Upon receiving the TX, accounting node 1 first verifies the message and then simulates the execution of the smart contract. Message verification includes: sending the transaction information to the information system via the business auxiliary network to obtain the document verification result; and searching the suspicious list on the customer blacklist shared by the alliance chain. This can effectively reduce the risk of bank fund loss caused by data silos between card issuers under the traditional model.

[0092] Step a4: Accounting node 1 returns the result and its CA certificate signature to the client;

[0093] Steps a2 to a4: Figure 4-1 This is a schematic diagram of the process proposal stage provided according to the implementation method of this application, such as Figure 4-1 As shown in the figure, the client initiated a transaction TX, which is recorded as<T1,P> , T1 represents the transaction ID, and P represents the relevant transaction information. The client sends TX to the relevant accounting node in the blockchain network. The accounting node verifies the message, simulates the execution of the smart contract, and then returns the processing result and CA certificate signature to the client. The returned transaction is recorded as<T1,R1,E1> , R1 represents the response processing result, E1 represents the signature;

[0094] Step a5: After receiving the execution result of EP1, the client performs a clearing operation to determine whether the account's outstanding balance is zero. If it is greater than zero, the client sends the transaction TX to the next priority node, EP2. If it is zero, the outstanding balance has been paid off, the proposal phase ends, and the client directly jumps to step a9.

[0095] Step a6: If the result of step a5 is that the overdraft amount has not been repaid, the client sends the transaction returned in step a4 to accounting node 2;

[0096] Step a7: Accounting Node 2 receives the transaction from the client and also verifies the message first, and then simulates the execution of the smart contract;

[0097] Step a8: The accounting node 2 results and its CA certificate signature are returned to the client;

[0098] Steps a5 to a8 are as follows Figure 4-2 As shown, Figure 4-2 This is a schematic diagram of the process proposal stage provided according to the implementation method of this application. The process is the same as Figure 4-2 ;

[0099] Step a9: The client sends the transaction processed and signed by the accounting node to the proposer;

[0100] Step a10: The proposal node receives the TX sent by the client and packages it into a candidate block;

[0101] Steps a9 and a10: Figure 5 This is a schematic diagram of the process processing packaging stage according to the implementation method of this application, such as Figure 5 As shown, the client may receive more than one transaction. When the transactions are collected within a certain time window, the client sends the transactions to the proposer in chronological order. The proposer packages the transactions into blocks and sends them back to the client.

[0102] Step a11: The proposal node sends the packaged block to the relevant accounting node 1 involved in this transaction (including accounting node 2 if steps a6-a8 are executed);

[0103] Step a12: Each accounting node updates the received backup block to its own ledger;

[0104] Steps a11 and a12: Figure 6 A schematic diagram of the verification phase of the process is provided according to the embodiment of the present application. As shown in FIG6 , the proposer propagates the block to the relevant accounting nodes through the peer-to-peer network P2P network. After each accounting node accepts the block, it updates the candidate block to its own ledger to complete the accounting.

[0105] Step a13: Finally, since the client also subscribes to the message, it also receives the updated accounting results.

[0106] The algorithm of the above process is as follows:

[0107] ALGORITHM:

[0108] a. create TX; / / The client receives the request to create a repayment transaction TX;

[0109] b. execute setPriority()——>PriorityList[]; / / Execute the priority algorithm and put each priority node into the list, the total number of nodes is T;

[0110] c. int i = 0; / / i represents the repayment node number, i = 0, 1, 2...T-1;

[0111] d. getAmountDue; / / Get the amount due from the customer;

[0112] e、while(AmountDue>0&&i <T) / / ;

[0113] send TX to Peer(i); / / Send the transaction to the current priority accounting node i;

[0114] simulate, execute ChainCode; / / Simulate the execution of smart contract;

[0115] TX'——>TX; / / Accounting node i updates transaction information and returns transaction TX' after signing;

[0116] update Amounts; / / Clearance;

[0117] AmountDue'——>AmountDue; / / Recalculate the new amount due;

[0118] i++;

[0119] end / / ;

[0120] f. package new block; / / Package backup block;

[0121] g. commit. / / Commit the transaction;

[0122] This implementation method uses the decentralized, tamper-proof, and traceable verification characteristics of blockchain technology to solve the fundamental "pain point" of limited repayment methods in the existing bank's electronic card automatic repayment business with credit lines and overdraft functions, reconstruct the value transmission network, abandon the role of transit institutions, transform the traditional electronic card repayment process with credit lines and overdraft functions, integrate capital flow and information flow, reduce the risk of malicious transactions, improve the user experience of electronic card with credit lines and overdraft functions, and conduct flexible point-to-point transactions, thereby creating a new cross-bank and cross-institutional electronic card repayment model with credit lines and overdraft functions that is smart, fast, efficient, safe, and convenient.

[0123] This implementation method can be further expanded and combined with specific scenario marketing to provide customers with personalized services. It can also be combined with the research results of artificial intelligence to build accurate user portraits based on customer types, card usage habits, etc., and formulate repayment rules suitable for customers, greatly meeting customers' flexible repayment needs and effectively improving the user experience of electronic payment cards with credit limits and overdraft functions.

[0124] The present application also provides an asset data processing device. It should be noted that the asset data processing device of the present application can be used to execute the asset data processing method provided in the present application. The asset data processing device provided in the present application is introduced below.

[0125] Figure 7 Schematic diagram of an asset data processing device according to an embodiment of the present application. Figure 7 As shown, the device includes: a generating module 72, a sending module 74, a receiving module 76 and a processing module 78. The device will be described in detail below.

[0126] A generation module 72 is configured to generate an allocation transaction in response to an allocation request for asset data, wherein the allocation transaction includes transaction information; a sending module 74 is connected to the generation module 72 and configured to send the allocation transaction to a target accounting node with the highest priority in a preset accounting list according to a preset accounting list, and the target accounting node verifies the allocation request and executes the allocation transaction, wherein the accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are all blockchain nodes; a receiving module 76 is connected to the sending module 74 and configured to receive a processing result returned by the target, wherein the processing result includes an execution result of the allocation transaction by the target accounting node; a processing module 78 is connected to the receiving module 76 and configured to send the allocation transaction to a subsequent first accounting node according to the priority in the preset accounting list when the processing result determines that the allocation transaction has not been processed, until the allocation transaction is processed.

[0127] Through the above-mentioned device, the generation module 72 responds to the transfer request of the asset data and generates an transfer transaction, wherein the transfer transaction includes transaction information; the sending module 74 sends the transfer transaction to the target accounting node with the highest priority in the accounting list according to the preset accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction, wherein the accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are all blockchain nodes; the receiving module 76 receives the processing result returned by the target accounting node, wherein the processing result includes the execution result of the transfer transaction by the target accounting node; If the processing results determine that the transfer transaction has not been completed, processing module 78 sends the transfer transaction to the first subsequent accounting node according to the priority in the preset accounting list until the transfer transaction is completed. The transfer transaction is jointly processed and recorded by the accounting nodes of multiple different asset accounts on the blockchain. This asset transfer method promptly responds to asset transfer requests and can process transfer transactions using different asset accounts. This solves the problem in related technologies where different banks manage customer asset data in their own ways, lacking connectivity and resulting in poor convenience in the flow and change of asset data. This improves the connectivity of different customer asset accounts and facilitates customer asset management.

[0128] The asset data processing device includes a processor and a memory. The above-mentioned generation module 72, sending module 74, receiving module 76 and processing module 78 are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0129] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be configured. By adjusting kernel parameters, the target object detection model can detect whether the target image contains the target object and, if so, whether the target object's posture is abnormal.

[0130] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0131] An embodiment of the present invention provides a computer-readable storage medium having a program stored thereon, which implements the asset data processing method when executed by a processor.

[0132] An embodiment of the present invention provides a processor, which is used to run a program, wherein the asset data processing method is executed when the program is run.

[0133] like Figure 8 As shown, an embodiment of the present invention provides an electronic device, wherein the electronic device 80 includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, the following steps are implemented:

[0134] In response to an allocation request for asset data, an allocation transaction is generated, wherein the allocation transaction includes transaction information; according to a preset accounting list, the allocation transaction is sent to a target accounting node with the highest priority in the accounting list, and the target accounting node verifies the allocation request and executes the allocation transaction, wherein the accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are all blockchain nodes; receiving a processing result returned by the target accounting node, wherein the processing result includes an execution result of the allocation transaction by the target accounting node; if the processing result determines that the allocation transaction has not been processed, the allocation transaction is sent to a subsequent first accounting node according to the priority in the preset accounting list until the allocation transaction is processed.

[0135] Optionally, when the processing result determines that the transfer transaction has not been completed, the transfer transaction is sent to the subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is completed. The method also includes: receiving the execution result of the transfer transaction processing completion; sending the execution results of multiple second accounting nodes that process the transfer transaction to the packaging node, wherein the packaging node is used to package the execution results of the multiple second accounting nodes of the transfer transaction, generate a block, and send the block to the multiple second accounting nodes that process the transfer transaction, and the multiple second accounting nodes perform accounting according to the block.

[0136] Optionally, after sending the execution results of multiple second accounting nodes that process the transfer transaction to the packaging node, the method also includes: receiving the accounting results sent by the second accounting node or the packaging node.

[0137] Optionally, there are multiple transfer requests and multiple transfer transactions generated, and sending the execution results of multiple second accounting nodes that process the transfer transactions to the packaging node includes: collecting the multiple transfer transactions into multiple time windows; and sending the multiple transfer transactions to the packaging node in sequence according to the time order of the time windows of the transfer transactions.

[0138] Optionally, according to a preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request. Before executing the transfer transaction, the method also includes: determining multiple first accounting nodes that have performed account opening operations; and prioritizing the multiple first accounting nodes according to preset rules to generate an accounting list.

[0139] Optionally, the preset rules include at least one of the following: randomly sorting the multiple first accounting nodes; sorting the multiple first accounting nodes in chronological order of account opening time; sorting the multiple first accounting nodes in chronological order of inclusion in the blockchain; and sorting the multiple first accounting nodes according to a custom order.

[0140] Optionally, according to a preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction, including: according to the preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority among multiple accounting nodes in the accounting list as the target accounting node; the transaction information of the transfer transaction is sent to the information system for identity authentication through the target accounting node; if the verification is passed, the transfer transaction is executed according to the smart contract corresponding to the target accounting node and the transaction information, and an execution result is generated, wherein the execution result is the result after the target accounting node signs the certificate.

[0141] The devices in this article can be servers, PCs, PADs, mobile phones, etc.

[0142] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing a program initialized with the following method steps: responding to an allocation request for asset data and generating an allocation transaction, wherein the allocation transaction includes transaction information; sending the allocation transaction to a target accounting node with the highest priority in the accounting list according to a preset accounting list, and the target accounting node verifies the allocation request and executes the allocation transaction, wherein the accounting list includes multiple first accounting nodes arranged in order of processing priority, and the multiple first accounting nodes are all blockchain nodes; receiving a processing result returned by the target accounting node, wherein the processing result includes the execution result of the allocation transaction by the target accounting node; if the processing result determines that the allocation transaction has not been processed, sending the allocation transaction to a subsequent first accounting node according to the priority in the preset accounting list until the allocation transaction is processed.

[0143] Optionally, when the processing result determines that the transfer transaction has not been completed, the transfer transaction is sent to the subsequent first accounting node according to the priority in the preset accounting list until the transfer transaction is completed. The method also includes: receiving the execution result of the transfer transaction processing completion; sending the execution results of multiple second accounting nodes that process the transfer transaction to the packaging node, wherein the packaging node is used to package the execution results of the multiple second accounting nodes of the transfer transaction, generate a block, and send the block to the multiple second accounting nodes that process the transfer transaction, and the multiple second accounting nodes perform accounting according to the block.

[0144] Optionally, after sending the execution results of multiple second accounting nodes that process the transfer transaction to the packaging node, the method also includes: receiving the accounting results sent by the second accounting node or the packaging node.

[0145] Optionally, there are multiple transfer requests and multiple transfer transactions generated, and sending the execution results of multiple second accounting nodes that process the transfer transactions to the packaging node includes: collecting the multiple transfer transactions into multiple time windows; and sending the multiple transfer transactions to the packaging node in sequence according to the time order of the time windows of the transfer transactions.

[0146] Optionally, according to a preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request. Before executing the transfer transaction, the method also includes: determining multiple first accounting nodes that have performed account opening operations; and prioritizing the multiple first accounting nodes according to preset rules to generate an accounting list.

[0147] Optionally, the preset rules include at least one of the following: randomly sorting the multiple first accounting nodes; sorting the multiple first accounting nodes in chronological order of account opening time; sorting the multiple first accounting nodes in chronological order of inclusion in the blockchain; and sorting the multiple first accounting nodes according to a custom order.

[0148] Optionally, according to a preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction, including: according to the preset accounting list, the transfer transaction is sent to the target accounting node with the highest priority among multiple accounting nodes in the accounting list as the target accounting node; the transaction information of the transfer transaction is sent to the information system for identity authentication through the target accounting node; if the verification is passed, the transfer transaction is executed according to the smart contract corresponding to the target accounting node and the transaction information, and an execution result is generated, wherein the execution result is the result after the target accounting node signs the certificate.

[0149] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0150] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes 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 steps in the process. 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.

[0151] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work 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 The function specified in one or more boxes.

[0152] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0153] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0154] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0155] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0156] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0157] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0158] The above are merely embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application should all be included within the scope of the claims of the present application.

Claims

1. A method for processing asset data, characterized in that: include: generating a transfer transaction in response to a transfer request for asset data, wherein the transfer transaction includes transaction information; According to a preset accounting list, the transfer transaction is sent to a target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction, wherein the accounting list includes a plurality of first accounting nodes arranged in order of processing priority, and the plurality of first accounting nodes are all blockchain nodes; receiving a processing result returned by the target accounting node, wherein the processing result includes an execution result of the transfer transaction by the target accounting node; If the processing result determines that the transfer transaction has not been completed, sending the transfer transaction to a subsequent first accounting node according to a priority in a preset accounting list until the transfer transaction is completed; Receiving the execution result of the transfer transaction completion; The execution results of the multiple second accounting nodes that process the transfer transaction are sent to the packaging node, wherein the packaging node is used to package the execution results of the multiple second accounting nodes of the transfer transaction, generate a block, and send the block to the multiple second accounting nodes that process the transfer transaction, and the multiple second accounting nodes perform accounting according to the block.

2. The method according to claim 1, characterized in that After sending the execution results of the plurality of second accounting nodes processing the transfer transaction to the packaging node, the method further includes: Receive accounting results sent by the multiple second accounting nodes or the packaging node.

3. The method according to claim 1, characterized in that There are multiple transfer requests, multiple transfer transactions are generated, and sending the execution results of multiple second accounting nodes processing the transfer transactions to the packaging node includes: collecting a plurality of the transfer transactions into a plurality of time windows; The multiple transfer transactions are sent to the packaging node in sequence according to the time sequence of the time windows of the transfer transactions.

4. The method according to claim 1, wherein According to a preset accounting list, the transfer transaction is sent to a target accounting node with the highest priority in the accounting list, and the target accounting node verifies the transfer request and executes the transfer transaction. The method further includes: Determining the plurality of first accounting nodes that have performed the account opening operation; According to preset rules, the multiple first accounting nodes are prioritized to generate the accounting list.

5. The method according to claim 4, characterized in that The preset rules include at least one of the following: Randomly sorting the multiple first accounting nodes; Sorting the multiple first accounting nodes in the order of their account opening time; Sorting the multiple first accounting nodes according to the order of their inclusion into the blockchain; Sort the multiple first accounting nodes according to a custom order.

6. The method according to claim 1, characterized in that According to a preset accounting list, sending the transfer transaction to a target accounting node with the highest priority in the accounting list, wherein the target accounting node verifies the transfer request and executes the transfer transaction, includes: According to a preset accounting list, the transfer transaction is sent to the highest priority node among the plurality of accounting nodes in the accounting list as the target accounting node; Sending the transaction information of the transfer transaction to the public security information system for identity verification through the target accounting node; If the verification is successful, the transfer transaction is executed according to the smart contract corresponding to the target accounting node and the transaction information, and the execution result is generated, wherein the execution result is the result after the target accounting node signs the certificate.

7. An asset data processing device, characterized in that: include: a generating module, configured to generate a transfer transaction in response to a transfer request for asset data, wherein the transfer transaction includes transaction information; a sending module, configured to send the transfer transaction to a target accounting node with the highest priority in a preset accounting list according to the preset accounting list, wherein the target accounting node verifies the transfer request and executes the transfer transaction, wherein the accounting list includes a plurality of first accounting nodes arranged in order of processing priority, and the plurality of first accounting nodes are all blockchain nodes; a receiving module, configured to receive a processing result returned by the target accounting node, wherein the processing result includes an execution result of the transfer transaction by the target accounting node; a processing module configured to, if the processing result determines that the transfer transaction has not been completed, send the transfer transaction to a subsequent first accounting node according to a priority in a preset accounting list until the transfer transaction is completed; A second receiving module is used to receive the execution result of the transfer transaction processing; The second sending module is used to send the execution results of the multiple second accounting nodes that process the transfer transaction to the packaging node, wherein the packaging node is used to package the execution results of the multiple second accounting nodes of the transfer transaction to generate a block, and send the block to the multiple second accounting nodes that process the transfer transaction, and the multiple second accounting nodes perform accounting according to the block.

8. A processor, characterized in that: The processor is used to run a program, wherein the program, when running, executes the asset data processing method described in any one of claims 1 to 6.

9. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the asset data processing method described in any one of claims 1 to 6.

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