Information verification method, apparatus and electronic device

Abstract

Embodiments of the present application provide an information verification method and device and electronic equipment, which are applied to the technical field of financing. The method comprises: receiving application information sent by a user equipment of a first user; wherein the application information comprises a first identifier, first reference information, first contract information of a second user and the first user, and a second identifier of the second user; obtaining, from a block chain, second reference information corresponding to the first identifier, and second contract information corresponding to both the first identifier and the second identifier; performing data consistency verification on the first reference information and the second reference information to obtain a first verification result, and performing data consistency verification on the first contract information and the second contract information to obtain a second verification result; and if both the first verification result and the second verification result indicate that the verification is passed, determining that the application information verification is successful. Compared with related technologies, the scheme provided by the embodiments of the present application can improve the investment success rate of the funding party.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of financing, and in particular to an information verification method and device and electronic equipment. BACKGROUND

[0002] Small and micro enterprises, as an important part of the national economy, have attracted more and more attention, and a number of policies to support the development of small and micro enterprises have been introduced. With the promotion of various policies, the financing market tends to provide development funds for small and micro enterprises to help them grow.

[0003] In related technologies, a small and micro enterprise submits relevant application information to a funding party, and then the funding party can receive the application information, establish a financing relationship with the small and micro enterprise based on the application information.

[0004] However, usually the small and micro enterprises are not standardized, and the application information provided may contain false information, which makes it difficult for the funding party to verify the accuracy of the application information, so it is difficult to know the actual business situation of the small and micro enterprise and the possible financing risks through the application information, thereby increasing the investment failure rate of the funding party, and further, leading to the funding party's tendency to be conservative when establishing a financing relationship with the small and micro enterprise. SUMMARY

[0005] The purpose of the embodiments of the present application is to provide an information verification method, device and electronic equipment to improve the investment success rate of the funding party. The specific technical solutions are as follows:

[0006] In a first aspect, the embodiments of the present application provide an information verification method, which comprises:

[0007] receiving application information sent by a user equipment of a first user; wherein the application information comprises a first identifier of the first user, first reference information of the first user, first contract information of a second user associated with the first user and the first user, and a second identifier of the second user;

[0008] obtaining second reference information corresponding to the first identifier and second contract information corresponding to the first identifier and the second identifier from a block chain;

[0009] performing data consistency verification on the first reference information and the second reference information to obtain a first verification result, and performing data consistency verification on the first contract information and the second contract information to obtain a second verification result;

[0010] If the first verification result and the second verification result both represent that the verification is passed, it is determined that the application information verification is successful.

[0011] Optionally, in an implementation form, the method further comprises:

[0012] generating a first notification message for indicating that the application information is verified successfully, and sending the first notification message to the user equipment.

[0013] Optionally, in an implementation form, the application information further comprises first authorization information of the first user; and the method further comprises:

[0014] acquiring, from the blockchain, second reference information corresponding to the first identifier and second contract information corresponding to both the first identifier and the second identifier based on the first authorization information.

[0015] Optionally, in an implementation form, before the acquiring, from the blockchain, second reference information corresponding to the first identifier and second contract information corresponding to both the first identifier and the second identifier, the method further comprises:

[0016] acquiring, from the blockchain, third reference information corresponding to the second identifier, and verifying whether the third reference information meets preset qualification information.

[0017] If yes, acquiring, from the blockchain, second reference information corresponding to the first identifier and second contract information corresponding to both the first identifier and the second identifier.

[0018] Optionally, in an implementation form, the acquiring, from the blockchain, third reference information corresponding to the second identifier, and verifying whether the third reference information meets preset qualification information, comprises:

[0019] sending, to a user equipment of the second user, an authorization request for reference information based on the second identifier;

[0020] receiving second authorization information fed back by the user equipment of the second user;

[0021] acquiring, from the blockchain, third reference information corresponding to the second identifier based on the second authorization information, and verifying whether the third reference information meets preset qualification information.

[0022] Optionally, in an implementation form, the method further comprises:

[0023] after the application information is verified successfully, sending, to a user equipment of the second user, a verification request for the contract information;

[0024] receive a second notification message for characterizing that the contract information verification succeeds, from a user equipment of the second user;

[0025] based on the second notification message, establish a specified association relationship between a specified user indicated by the application information and the first user.

[0026] In a second aspect, an embodiment of the present application provides an information verification device, and the device comprises:

[0027] an information receiving module, configured to receive application information sent by a user equipment of a first user; wherein the application information comprises a first identifier of the first user, first reference information of the first user, first contract information of a second user associated with the first user and the first user, and a second identifier of the second user;

[0028] an information obtaining module, configured to obtain, from a block chain, second reference information corresponding to the first identifier, and second contract information corresponding to both the first identifier and the second identifier;

[0029] a verification module, configured to perform data consistency verification on the first reference information and the second reference information to obtain a first verification result, and perform data consistency verification on the first contract information and the second contract information to obtain a second verification result; if both the first verification result and the second verification result represent that the verification passes, trigger a determination module;

[0030] the determination module is configured to determine that the application information verification succeeds.

[0031] Optionally, in a specific implementation manner, the device further comprises:

[0032] a message generating module, configured to generate a first notification message for characterizing that the application information verification succeeds, and send the first notification message to the user equipment.

[0033] Optionally, in a specific implementation manner, the application information further comprises first authorization information of the first user; and the information obtaining module is specifically configured to:

[0034] based on the first authorization information, obtain, from the block chain, the second reference information corresponding to the first identifier, and the second contract information corresponding to both the first identifier and the second identifier.

[0035] Optionally, in a specific implementation manner, the device further comprises:

[0036] The detection module is configured to acquire third reference information corresponding to the second identifier from the blockchain before the second identifier corresponding second contract information and the first identifier corresponding second reference information are acquired from the blockchain, and verify whether the third reference information meets preset qualification information; if yes, the information acquisition module is triggered.

[0037] Optionally, in a specific implementation, the detection module is specifically configured to:

[0038] send an authorization request for reference information to a user device of the second user based on the second identifier;

[0039] receive second authorization information fed back by the user device of the second user;

[0040] acquire third reference information corresponding to the second identifier from the blockchain based on the second authorization information, and verify whether the third reference information meets preset qualification information.

[0041] Optionally, in a specific implementation, the apparatus further includes:

[0042] The request sending module is configured to send a verification request for the contract information to the user device of the second user after the application information is verified successfully.

[0043] The notification message receiving module is configured to receive a second notification message fed back by the user device of the second user, the second notification message being used to represent that the contract information is verified successfully.

[0044] The relationship establishing module is configured to establish a specified association relationship between the first user and a specified user indicated by the application information based on the second notification message.

[0045] In a third aspect, an electronic device is provided, which includes a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory complete communication with each other through the communication bus.

[0046] The memory is configured to store a computer program.

[0047] The processor is configured to execute the program stored on the memory, so as to implement the steps of any method embodiment.

[0048] In a fourth aspect, a computer readable storage medium is provided, which stores a computer program, and the computer program is executed by a processor to implement the steps of any method embodiment.

[0049] Fifthly, embodiments of the present invention also provide a computer program product containing instructions that, when run on a computer, cause the computer to execute any of the information verification methods described above.

[0050] Beneficial effects of the embodiments of the present invention:

[0051] As can be seen from the above, an electronic device that executes the information verification method provided in this embodiment of the invention can receive application information sent by a user device of a first user. This application information may include a first identifier of the first user, first reference information of the first user, first contract information between the first user and a second user associated with the first user, and a second identifier of the second user. Then, the electronic device can obtain the second reference information corresponding to the first identifier and the second contract information corresponding to both the first and second identifiers from the blockchain. Next, it performs data consistency verification on the first and second reference information to obtain a first verification result, and performs data consistency verification on the first and second contract information to obtain a second verification result. Thus, if both the first and second verification results indicate successful verification, the application information can be determined to have been successfully verified.

[0052] Based on this, by applying the solution provided in the embodiments of the present invention, since the information on the blockchain is immutable, after receiving the application information, the authenticity of the application information can be verified by verifying the consistency between the baseline information of the first user contained in the application information and the baseline information of the first user in the blockchain, as well as the consistency between the contract information contained in the application information and the contract information in the blockchain. This ensures the accuracy of the application information. Thus, when making investments, investors can learn about the actual operating conditions of the aforementioned small and micro enterprises and the potential financing risks by verifying the successful application information, thereby improving the success rate of the investors' investments. Attached Figure Description

[0053] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other embodiments can be obtained based on these drawings.

[0054] Figure 1 A flowchart illustrating an information verification method provided as a real-time example of the present invention;

[0055] Figure 2 Another flowchart illustrating the information verification method provided in this embodiment of the invention;

[0056] Figure 3This is another flowchart illustrating the information verification method provided in an embodiment of the present invention;

[0057] Figure 4 This is another flowchart illustrating the information verification method provided in an embodiment of the present invention;

[0058] Figure 5 A schematic diagram illustrating a specific embodiment of the information verification method provided in this invention;

[0059] Figure 6 This is a schematic diagram of the structure of an information verification device provided in an embodiment of the present invention;

[0060] Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention. Detailed Implementation

[0061] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art based on this application are within the scope of protection of the present invention.

[0062] In related technologies, small and medium-sized enterprises (SMEs) submit relevant application information to funding parties. Subsequently, funding parties can receive the application information and establish a financing relationship with SMEs based on the application information.

[0063] However, small and medium-sized enterprises (SMEs) are often less compliant with regulations, and the application information they provide may contain false information. This makes it difficult for funders to verify the accuracy of the application information. Consequently, it is difficult for them to understand the actual operating conditions of the SMEs and the potential financing risks through the application information, which increases the failure rate of investment for funders. As a result, funders tend to be more conservative when establishing financing relationships with SMEs.

[0064] To address the aforementioned technical problems, embodiments of the present invention provide an information verification method.

[0065] This method can be applied to various application scenarios that require information verification, such as verifying information of various enterprises in banks, and verifying information of other partner companies in companies.

[0066] The subject of this method can be an independent electronic device or a cluster of electronic devices.

[0067] Therefore, the embodiments of the present invention do not specifically limit the application scenarios and execution entities of the method.

[0068] An information verification method provided in this embodiment of the invention may include the following steps:

[0069] The system receives application information sent by the user equipment of a first user; wherein the application information includes a first identifier of the first user, a first reference information of the first user, a first contract information between the second user associated with the first user and the first user, and a second identifier of the second user;

[0070] Obtain from the blockchain the second baseline information corresponding to the first identifier, and the second contract information corresponding to both the first identifier and the second identifier;

[0071] Data consistency verification is performed on the first benchmark information and the second benchmark information to obtain a first verification result, and data consistency verification is performed on the first contract information and the second contract information to obtain a second verification result;

[0072] If both the first verification result and the second verification result indicate that the verification is successful, then the application information is determined to have been successfully verified.

[0073] As can be seen from the above, an electronic device that executes the information verification method provided in this embodiment of the invention can receive application information sent by a user device of a first user. This application information may include a first identifier of the first user, first reference information of the first user, first contract information between the first user and a second user associated with the first user, and a second identifier of the second user. Then, the electronic device can obtain the second reference information corresponding to the first identifier and the second contract information corresponding to both the first and second identifiers from the blockchain. Next, it performs data consistency verification on the first and second reference information to obtain a first verification result, and performs data consistency verification on the first and second contract information to obtain a second verification result. Thus, if both the first and second verification results indicate successful verification, the application information can be determined to have been successfully verified.

[0074] Based on this, by applying the solution provided in the embodiments of the present invention, since the information on the blockchain is immutable, after receiving the application information, the authenticity of the application information can be verified by verifying the consistency between the baseline information of the first user contained in the application information and the baseline information of the first user in the blockchain, as well as the consistency between the contract information contained in the application information and the contract information in the blockchain. This ensures the accuracy of the application information. Thus, when making investments, investors can learn about the actual operating conditions of the aforementioned small and micro enterprises and the potential financing risks by verifying the successful application information, thereby improving the success rate of the investors' investments.

[0075] The following is a detailed description of an information verification method provided by an embodiment of the present invention, with reference to the accompanying drawings.

[0076] Figure 1 This is a flowchart illustrating an information verification method provided in an embodiment of the present invention, as shown below. Figure 1 As shown, the method may include the following steps S101-S104.

[0077] S101: Receive the application information sent by the user equipment of the first user;

[0078] The application information includes the first user's first identifier, the first user's first baseline information, the first contract information between the second user associated with the first user and the first user, and the second user's second identifier;

[0079] When it is desired to verify the relevant information of the first user, an application message can be received from the first user through the user equipment to the electronic device that performs the information verification method provided by the present invention.

[0080] For example, when a bank wants to verify the loan information of the first user, it can receive the loan application information of the first user;

[0081] For example, when a company wants to verify the bidding qualifications of the first user, it can receive the first user's bidding application information.

[0082] The application information may include the first identifier of the first user, the first reference information of the first user, the first contractual relationship between the second user associated with the first user and the first user, and the second identifier of the second user.

[0083] Furthermore, the aforementioned identifier is uniquely associated with the user and is used to identify the user. Moreover, this identifier can be set according to actual needs, and can be a user code or a user name, which are both reasonable. In this embodiment of the invention, no specific setting is made.

[0084] Optionally, the aforementioned benchmark information is the user's business information, which may include information such as the number of years of registration, the registered scale, the paid-in capital, and the user's annual report.

[0085] The aforementioned second user is a user who has a contractual relationship with the first user, and the aforementioned contract information can be used to uniquely identify the contract, and may include information such as contract code and contract name, which are all reasonable and are not specifically limited in this embodiment of the invention.

[0086] S102: Obtain from the blockchain the second benchmark information corresponding to the first identifier, and the second contract information corresponding to both the first and second identifiers;

[0087] Blockchain is a database with data hash verification capabilities, characterized by collective maintenance, time-series data, programmability, and immutability.

[0088] To facilitate information storage and public disclosure, users can upload their own identifiers, benchmark information, and contract information to the blockchain. This act of uploading information to the blockchain is generally referred to as "on-chain".

[0089] After obtaining the application information of the first user, the electronic device can obtain the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier from the blockchain based on the first identifier.

[0090] S103: Perform data consistency verification on the first benchmark information and the second benchmark information to obtain the first verification result, and perform data consistency verification on the first contract information and the second contract information to obtain the second verification result;

[0091] S104: If both the first and second verification results indicate that the verification is successful, then the application information is confirmed to have been successfully verified.

[0092] Because blockchain features immutable uploaded data, the first user cannot modify the second benchmark information and the second contract information pre-uploaded to the blockchain based on the application intent. Therefore, the second benchmark information and the second contract information on the blockchain are relatively authentic, while the application information sent by the user may contain false information. Thus, it is reasonable and feasible to use the second benchmark information and the second contract information in the blockchain to verify the authenticity of the application information.

[0093] Based on this, after obtaining the aforementioned second benchmark information and second contract information, the electronic device can perform a consistency check on the aforementioned first benchmark information and second benchmark information to obtain a first verification result, and perform a data consistency check on the aforementioned first contract information and second contract information to obtain a second verification result.

[0094] Thus, when the data of the first benchmark information and the second benchmark information are consistent, the first verification result can indicate that the data consistency verification has passed; while when the data of the first benchmark information and the second benchmark information are inconsistent, for example, the registration year in the first benchmark information is different from the registration year in the second benchmark information, the first verification result can indicate that the data consistency verification has failed.

[0095] Based on the same inventive concept, when the data of the first contract information and the second contract information are consistent, the second verification result can indicate that the data consistency verification has passed; while when the data of the first contract information and the second contract information are consistent, for example, when the amount data in the first contract information and the second contract information are different, the second verification result can indicate that the data consistency verification has failed.

[0096] Thus, if both the first and second verification results indicate that the verification is successful, then the application information can be determined to have been successfully verified.

[0097] Conversely, if at least one of the above-mentioned first verification information and the above-mentioned second verification information fails the verification, it can be determined that the above-mentioned application information verification is unsuccessful.

[0098] As can be seen from the above, by applying the solution provided in this embodiment of the invention, since the information on the blockchain is immutable, after receiving the application information, the authenticity of the application information can be verified by checking the consistency between the baseline information of the first user contained in the application information and the baseline information of the first user in the blockchain, as well as the consistency between the contract information contained in the application information and the contract information in the blockchain. This ensures the accuracy of the application information. Thus, when making investments, investors can learn about the actual operating conditions of the aforementioned small and micro enterprises and the potential financing risks by verifying the successful application information, thereby improving the success rate of the investors' investments.

[0099] Alternatively, in one specific implementation, such as Figure 2 As shown, the information verification method provided in this embodiment of the invention may further include the following step S105:

[0100] S105: Generate a first notification message to indicate that the application information has been successfully verified, and send the first notification message to the user equipment.

[0101] In this specific implementation, when the application information is successfully verified, the electronic device can generate a first notification message to indicate that the application information has been successfully verified, and send the first notification message to the user equipment. In this way, the user equipment can receive the first notification message and output the first notification message to notify the first user that the application information has been successfully verified.

[0102] The method of outputting the first notification message can be: displaying the first notification message on the display screen of the user device; or issuing a prompt sound indicating that the first notification message has been received; or sending the first notification message to a preset email address. All of these are reasonable and are not specifically limited in this embodiment of the invention.

[0103] Optionally, if the above application information verification fails, the electronic device may generate a third notification message indicating that the verification failed and send the third notification message to the user equipment.

[0104] Since the baseline information uploaded by users to the blockchain may be confidential and requires user authorization to view, optionally, in one specific implementation, the application information also includes the first user's first authorization information; the above step S102, obtaining the second baseline information corresponding to the first identifier and the second contract information corresponding to both the first and second identifiers from the blockchain, may include the following step 11:

[0105] Step 11: Based on the first authorization information, obtain the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier from the blockchain.

[0106] In this specific implementation, the application information may also include the first authorization information of the first user. In this way, after receiving the application information, the electronic device can obtain the second reference information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier from the blockchain based on the first authorization information.

[0107] The aforementioned authorization information can be used by electronic devices to view information of users with keys in the blockchain, such as contract information. Furthermore, the aforementioned authorization information can be a temporary key or other cryptographic information, which is reasonable and not specifically limited in this embodiment of the invention.

[0108] After obtaining the above application information, the user qualifications of the second user who is associated with the first user can be verified first. Based on this, qualification information can be preset to verify the qualifications of the second user.

[0109] Alternatively, in one specific implementation, such as Figure 3 As shown, before obtaining the second baseline information corresponding to the first identifier and the second contract information corresponding to both the first and second identifiers from the blockchain in step S102 above, the information verification method provided in this embodiment of the invention may further include the following step S106:

[0110] S106: Obtain the third benchmark information corresponding to the second identifier from the blockchain, and verify whether the third benchmark information meets the preset qualification information; if it does, proceed to step S102.

[0111] In this specific implementation, after obtaining the above application information, the third benchmark information corresponding to the second identifier can be obtained from the blockchain based on the second identifier. Then, the third benchmark information can be verified to determine whether the third benchmark information meets the preset qualification information.

[0112] The aforementioned qualification information can be used to verify user qualifications and may include thresholds for registration years, registration scale, and paid-in capital. These thresholds can be set according to actual needs. For example, the registration years threshold could be 5 years or 10 years, the registration scale threshold could be 500 employees or 100 million in output value, and the paid-in capital threshold could be 10 million or 50 million. These are all reasonable and are not specifically limited in this embodiment of the invention.

[0113] If the aforementioned third benchmark information meets the preset qualification information, the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first and second identifiers can be obtained from the blockchain; otherwise, it can be determined that the above application information verification is unsuccessful.

[0114] Since the benchmark information uploaded to the blockchain by the second user may be confidential, authorization from the second user is required to view the benchmark information. Therefore, in one possible implementation, step S105, obtaining the third benchmark information corresponding to the second identifier from the blockchain and verifying whether the third benchmark information meets the preset qualification information, may include the following steps 21-23:

[0115] Step 21: Based on the second identifier, send an authorization request for reference information to the user equipment of the second user;

[0116] Step 22: Receive the second authorization information from the second user's user equipment;

[0117] Step 23: Based on the second authorization information, obtain the third benchmark information corresponding to the second identifier from the blockchain, and verify whether the third benchmark information meets the preset qualification information.

[0118] In this specific implementation, after obtaining the above application information, an authorization request for the benchmark information can be sent to the user equipment of the second user based on the second identifier. The user equipment of the second user can receive the authorization request and feed back the second authorization information to the electronic device. Afterwards, the electronic device can receive the second authorization information and, based on the second authorization information, obtain the third benchmark information corresponding to the second identifier from the blockchain, thereby verifying whether the third benchmark information meets the preset qualification information.

[0119] Alternatively, in one specific implementation, such as Figure 4 As shown, the information verification method provided in this embodiment of the invention may further include the following steps S107-S109:

[0120] S107: After the application information is successfully verified, a verification request for contract information is sent to the second user's user equipment;

[0121] S108: Receive a second notification message from the second user's user equipment, which indicates that the contract information verification was successful;

[0122] S109: Based on the second notification message, establish a designated association between the designated user indicated by the application information and the first user.

[0123] In this specific implementation, after the application information is successfully verified, a verification request for the contract information can be sent to the user equipment of the second user to request the second user to verify the contract information. Then, the user equipment of the second user can receive the verification request and verify whether the contract information sent by the electronic device is consistent with the contract information stored therein. When the contract information sent by the electronic device is consistent with the contract information stored therein, a second notification message is generated to indicate that the contract information verification is successful, and then the second notification message is sent to the electronic device.

[0124] In this way, the aforementioned electronic device can receive the second notification message and, based on the second notification message, establish a designated association between the designated user indicated in the application information and the first user. The designated association can be set according to actual needs; it can be a contractual relationship or a financing relationship, both of which are reasonable and are not specifically limited in this embodiment of the invention.

[0125] Optionally, if both the above contract information and the above-specified related relationship contain funds, the amount of funds in the above-specified related relationship should not exceed the amount of funds in the above contract information.

[0126] Optionally, after establishing the specified association relationship, a fourth notification message indicating the establishment of the specified association relationship may be sent to the user equipment of the first user, and the fourth notification message may also be sent to the user equipment.

[0127] To facilitate understanding of the above information verification method, the following will combine... Figure 5 Please provide an explanation. Figure 5 This is a schematic diagram illustrating a specific example of the information verification method provided in the embodiments of the present invention.

[0128] like Figure 5 As shown, Figure 5Small and medium-sized enterprises can be the first users, core enterprises can be the second users, and funders can be designated users.

[0129] like Figure 5 As shown, the funding party uses the information verification method provided in this embodiment of the invention to verify the application information of small and micro enterprises, which may include the following steps S501-S518:

[0130] S501: Core enterprise basic information and operational information are uploaded to the blockchain;

[0131] S502: Basic information and contract information of SMEs are uploaded to the blockchain;

[0132] S503: Small and medium-sized enterprises (SMEs) can submit financing applications through user equipment;

[0133] S504: Funders accept financing applications through electronic devices;

[0134] S505: Obtain basic and operational information of core enterprises;

[0135] S506: Determine whether the core enterprise's qualifications meet the preset qualification information. If yes, proceed to step S507; otherwise, determine that the verification failed.

[0136] S507: Obtain secondary enterprise information and secondary contract information of SMEs on the blockchain;

[0137] S508: Verify whether the data is consistent; if consistent, proceed to step S509; otherwise, determine that the verification failed.

[0138] S509: Send contract information to the user equipment of the core enterprise;

[0139] S510: Core enterprises obtain user equipment contract information;

[0140] S511: The core enterprise's user equipment determines whether to grant credit; if so, proceed to step S512.

[0141] S512: The core enterprise's user equipment sends credit information to electronic equipment;

[0142] S513: The funding party's electronic devices receive credit information;

[0143] S514: Funders extend credit to enterprises through electronic devices and send credit notifications to the user devices of core enterprises and the user devices of small and micro enterprises respectively.

[0144] S515: Receive credit granting notifications for user equipment of small and medium-sized enterprises;

[0145] S516: The core enterprise's user equipment receives the credit granting notification and obtains the credit amount;

[0146] S517: Reconciliation of user equipment and electronic equipment of the core enterprise with that of the funder;

[0147] S518: Reconciliation of user equipment accounts between small and medium-sized enterprises and core enterprises.

[0148] Core enterprises can upload their basic and operational information to the blockchain, while small and medium-sized enterprises can upload their corporate and contract information.

[0149] When small and medium-sized enterprises (SMEs) seek financing, they can send their financing applications, which contain application information, to the funder's electronic device via their user equipment. This application information may include primary enterprise information and primary contract information between the SME and the core enterprise.

[0150] Subsequently, the electronic device can process the aforementioned financing application and obtain the basic and operational information of the core enterprise on the blockchain. Then, based on the obtained basic and operational information of the core enterprise, it determines whether the qualifications of the core enterprise meet the preset qualification information that the funder should possess.

[0151] If the qualifications of the aforementioned core enterprises do not meet the preset qualification information, the application information verification will fail and the verification will end. If the qualifications of the aforementioned core enterprises meet the preset qualification information, the second enterprise information and the second contract information of the SMEs can be obtained from the blockchain, and the data consistency of the first enterprise information and the second enterprise information, and the first contract information and the second contract information can be verified respectively.

[0152] If at least one of the information about the first enterprise and the second enterprise, or the information about the first contract and the second contract, is inconsistent, the application verification fails and ends. If the information about the first enterprise and the second enterprise, or the information about the first contract and the second contract, is consistent, the contract information is sent to the core enterprise's user equipment. In this way, the core enterprise's user equipment can obtain the contract information, verify it, and determine whether to approve the credit line from the funding party. If the core enterprise does not approve the credit line, it can send a notification message indicating its disapproval to the electronic device via the user equipment. The electronic device can then receive this notification message and terminate the application process. If the core enterprise approves the credit line, it sends the credit information to the funding party's electronic device via the user equipment.

[0153] When the funding party's electronic equipment receives the aforementioned credit information, it can grant credit to the SME based on the SME's financing application. The credit amount granted by the funding party to the SME should not exceed the contract amount between the SME and the core enterprise. Subsequently, the funding party can send credit notifications containing the credit amount to the user devices of both the SME and the core enterprise. Both the core enterprise and the SME can receive these notifications, allowing the SME to reconcile accounts upon receipt. The core enterprise, upon receiving the notification, can obtain the credit amount from the notification, establish an invoice with the funding party, and reconcile accounts with them.

[0154] Based on the same inventive concept, and corresponding to the embodiments of the present invention provided above... Figure 1 The present invention provides an information verification device in addition to the information verification method shown in the present invention.

[0155] Figure 6 This is a schematic diagram of the structure of an information verification device provided in an embodiment of the present invention, as shown below. Figure 6 As shown, the device may include the following modules:

[0156] The information receiving module 610 is used to receive application information sent by the user equipment of the first user; wherein, the application information includes the first identifier of the first user, the first reference information of the first user, the first contract information between the second user associated with the first user and the first user, and the second identifier of the second user;

[0157] The information acquisition module 620 is used to acquire, from the blockchain, the second reference information corresponding to the first identifier, and the second contract information corresponding to both the first identifier and the second identifier;

[0158] The verification module 630 is used to perform data consistency verification on the first benchmark information and the second benchmark information to obtain a first verification result, and to perform data consistency verification on the first contract information and the second contract information to obtain a second verification result; if both the first verification result and the second verification result indicate that the verification is passed, the determination module 640 is triggered;

[0159] The determining module 640 is used to determine that the application information has been successfully verified.

[0160] As can be seen from the above, by applying the solution provided in this embodiment of the invention, since the information on the blockchain is immutable, after receiving the application information, the authenticity of the application information can be verified by checking the consistency between the baseline information of the first user contained in the application information and the baseline information of the first user in the blockchain, as well as the consistency between the contract information contained in the application information and the contract information in the blockchain. This ensures the accuracy of the application information. Thus, when making investments, investors can learn about the actual operating conditions of the aforementioned small and micro enterprises and the potential financing risks by verifying the successful application information, thereby improving the success rate of the investors' investments.

[0161] Optionally, in one specific implementation, the apparatus further includes:

[0162] The message generation module is used to generate a first notification message to indicate that the application information has been successfully verified, and to send the first notification message to the user equipment.

[0163] Optionally, in one specific implementation, the application information further includes the first authorization information of the first user; the information acquisition module 620 is specifically used for:

[0164] Based on the first authorization information, the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier are obtained from the blockchain.

[0165] Optionally, in one specific implementation, the apparatus further includes:

[0166] The detection module is used to obtain third benchmark information corresponding to the second identifier from the blockchain before obtaining the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier from the blockchain, and to verify whether the third benchmark information meets the preset qualification information; if it does, the information acquisition module is triggered.

[0167] Optionally, in one specific implementation, the detection module is specifically used for:

[0168] Based on the second identifier, an authorization request for reference information is sent to the user equipment of the second user;

[0169] Receive the second authorization information fed back by the user equipment of the second user;

[0170] Based on the second authorization information, the third benchmark information corresponding to the second identifier is obtained from the blockchain, and it is verified whether the third benchmark information meets the preset qualification information.

[0171] Optionally, in one specific implementation, the apparatus further includes:

[0172] The request sending module is used to send a verification request for the contract information to the user equipment of the second user after the application information is successfully verified;

[0173] The notification message receiving module is used to receive a second notification message from the user equipment of the second user, which indicates that the contract information has been successfully verified.

[0174] The relationship establishment module is used to establish a specified association relationship between the specified user indicated by the application information and the first user based on the second notification message.

[0175] This invention also provides an electronic device, such as... Figure 7 As shown, it includes a processor 701, a communication interface 702, a memory 703, and a communication bus 704, wherein the processor 701, the communication interface 702, and the memory 703 communicate with each other through the communication bus 704.

[0176] Memory 703 is used to store computer programs;

[0177] When the processor 701 executes the program stored in the memory 703, it implements the steps of any of the information verification methods provided in the above embodiments of the present invention.

[0178] The communication bus mentioned in the above electronic devices can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. This communication bus can be divided into address bus, data bus, control bus, etc. For ease of illustration, only one thick line is used to represent it in the diagram, but this does not mean that there is only one bus or one type of bus.

[0179] The communication interface is used for communication between the aforementioned electronic devices and other devices.

[0180] The memory may include random access memory (RAM) or non-volatile memory (NVM), such as at least one disk storage device. Optionally, the memory may also be at least one storage device located remotely from the aforementioned processor.

[0181] The processors mentioned above can be general-purpose processors, including central processing units (CPUs), network processors (NPs), etc.; they can also be digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components.

[0182] In another embodiment of the present invention, a computer-readable storage medium is also provided, wherein a computer program is stored therein, and when the computer program is executed by a processor, it implements the steps of any of the above-described information verification methods.

[0183] In another embodiment of the present invention, a computer program product containing instructions is also provided, which, when run on a computer, causes the computer to execute any of the information verification methods described in the above embodiments.

[0184] In the above embodiments, implementation can be achieved entirely or partially through software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented entirely or partially in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present invention are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that integrates one or more available media. The available medium can be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid state disk (SSD)).

[0185] It should be noted that, in this document, relational terms such as "first" and "second" are used only 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 one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0186] The various embodiments in this specification are described in a related manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the device embodiments, electronic device embodiments, computer-readable storage medium embodiments, and computer program product embodiments are basically similar to the method embodiments, so the descriptions are relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0187] The above description is merely a preferred embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention are included within the scope of protection of the present invention.

Claims

1. An information verification method, characterized in that, The method includes: The system receives application information sent by the user equipment of a first user; wherein the application information includes a first identifier of the first user, a first reference information of the first user, a first contract information between the second user associated with the first user and the first user, and a second identifier of the second user; Obtain the third benchmark information corresponding to the second identifier from the blockchain, and verify whether the third benchmark information meets the preset qualification information; If the conditions are met, then obtain the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier from the blockchain; Data consistency verification is performed on the first benchmark information and the second benchmark information to obtain a first verification result, and data consistency verification is performed on the first contract information and the second contract information to obtain a second verification result; If both the first verification result and the second verification result indicate that the verification is successful, then the application information is determined to have been successfully verified.

2. The method according to claim 1, characterized in that, The method further includes: A first notification message is generated to indicate that the application information has been successfully verified, and the first notification message is sent to the user equipment.

3. The method according to claim 1, characterized in that, The application information also includes the first authorization information of the first user; obtaining the second reference information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier from the blockchain includes: Based on the first authorization information, the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier are obtained from the blockchain.

4. The method according to claim 1, characterized in that, The step of obtaining the third benchmark information corresponding to the second identifier from the blockchain and verifying whether the third benchmark information meets the preset qualification information includes: Based on the second identifier, an authorization request for reference information is sent to the user equipment of the second user; Receive the second authorization information fed back by the user equipment of the second user; Based on the second authorization information, the third benchmark information corresponding to the second identifier is obtained from the blockchain, and it is verified whether the third benchmark information meets the preset qualification information.

5. The method according to any one of claims 1-4, characterized in that, The method further includes: After the application information is successfully verified, a verification request for the contract information is sent to the second user's user equipment; Receive a second notification message from the user device of the second user, indicating that the contract information has been successfully verified; Based on the second notification message, a designated association relationship is established between the designated user indicated by the application information and the first user.

6. An information verification device, characterized in that, The device includes: The information receiving module is used to receive application information sent by the user equipment of the first user; wherein, the application information includes the first identifier of the first user, the first reference information of the first user, the first contract information between the second user associated with the first user and the first user, and the second identifier of the second user; The information acquisition module is used to acquire, from the blockchain, the second benchmark information corresponding to the first identifier, and the second contract information corresponding to both the first identifier and the second identifier; The verification module is used to perform data consistency verification on the first benchmark information and the second benchmark information to obtain a first verification result, and to perform data consistency verification on the first contract information and the second contract information to obtain a second verification result; if both the first verification result and the second verification result indicate that the verification is passed, the determination module is triggered; The determining module is used to determine that the application information has been successfully verified; The device further includes: The detection module is used to obtain third benchmark information corresponding to the second identifier from the blockchain before obtaining the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier from the blockchain, and to verify whether the third benchmark information meets the preset qualification information; if it does, the information acquisition module is triggered.

7. The apparatus according to claim 6, characterized in that, The device further includes: The message generation module is used to generate a first notification message to indicate that the application information has been successfully verified, and to send the first notification message to the user equipment.

8. The apparatus according to claim 6, characterized in that, The application information also includes the first authorization information of the first user; the information acquisition module is specifically used for: Based on the first authorization information, the second benchmark information corresponding to the first identifier and the second contract information corresponding to both the first identifier and the second identifier are obtained from the blockchain.

9. The apparatus according to claim 6, characterized in that, The detection module is specifically used for: Based on the second identifier, an authorization request for reference information is sent to the user equipment of the second user; Receive the second authorization information fed back by the user equipment of the second user; Based on the second authorization information, the third benchmark information corresponding to the second identifier is obtained from the blockchain, and it is verified whether the third benchmark information meets the preset qualification information.

10. The apparatus according to any one of claims 6-9, characterized in that, The device further includes: The request sending module is used to send a verification request for the contract information to the user equipment of the second user after the application information is successfully verified; The notification message receiving module is used to receive a second notification message from the user equipment of the second user, which indicates that the contract information has been successfully verified. The relationship establishment module is used to establish a specified association relationship between the specified user indicated by the application information and the first user based on the second notification message.

11. An electronic device, characterized in that, It includes a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other through the communication bus; Memory, used to store computer programs; A processor, when executing a program stored in memory, implements the steps of the method described in any one of claims 1-5.

12. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the steps of the method described in any one of claims 1-5.

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