Blockchain-based electronic will generation method, asset inheritance method and system

Abstract

The electronic will generation method based on the blockchain provided by the present disclosure can be applied to the technical field of the blockchain. The electronic will generation method comprises the following steps: obtaining will data of a user node on a blockchain, wherein the will data comprises at least one of a document, a picture, an audio and a video; preprocessing the will data to obtain will maker information and distribution rule information in the will data, wherein the distribution rule information comprises an asset type, an heir, a distribution ratio, a distribution mode and a settlement date; performing validity judgment on the will maker information; when the validity judgment passes, calculating asset inheritance distribution details according to the distribution rule information, generating an electronic will to be verified; and sending the electronic will to be verified to an asset management agency node and a judicial organ node on the blockchain for verification, generating a valid electronic will after the verification passes, and sending the valid electronic will to a blockchain network for on-chain storage. The present disclosure further provides an asset inheritance method and system based on the blockchain.

Description

Technical Field

[0001] This disclosure relates to the field of blockchain technology, specifically to a blockchain-based method for generating electronic wills, an asset inheritance method, a system, device, medium, and program product. Background Technology

[0002] Currently, blockchain-based digital asset transfer technologies and inheritance methods exist, enabling users to establish immutable digital asset inheritance wills with the participation of judicial and other state organs. This allows for the smooth transfer of digital assets upon the user's death. However, existing technologies are only applicable to standardized electronic wills. The Civil Code allows for various forms of wills, including handwritten, written, notarized, recorded, oral, printed, and video wills. Furthermore, many unforeseen circumstances lead to changes in wills, making it impossible to ensure that all wills, especially valid ones, are entered into electronic wills according to established procedures. Therefore, the incompatibility with multiple formats and non-standardized wills renders existing asset inheritance systems unsuitable for all real-world situations. Moreover, current technologies only apply to digital asset inheritance. The Inheritance Law lists the scope of estates, including citizens' income, houses, savings, and household goods; trees, livestock and poultry; cultural relics, books, and property rights in copyrights and patents. Digital assets are only one type of asset held by the testator, making the technological solution unsuitable for most real-world asset inheritance scenarios. Summary of the Invention

[0003] In view of the above problems, this disclosure provides a blockchain-based method for generating electronic wills, a method for asset inheritance, a system, device, medium, and program product.

[0004] According to the first aspect of this disclosure, a blockchain-based electronic will generation method is provided, comprising: acquiring will data from user nodes on the blockchain, the will data including at least one of documents, images, audio, and video; preprocessing the will data to obtain testator information and distribution rule information, the distribution rule information including asset type, heirs, distribution ratio, distribution method, and settlement date; determining the validity of the testator information; when the validity determination is successful, calculating the detailed asset inheritance distribution based on the distribution rule information to generate an electronic will to be verified; sending the electronic will to be verified to asset management institution nodes and judicial organ nodes on the blockchain for verification, and after successful verification, generating a valid electronic will and sending it to the blockchain network for on-chain processing.

[0005] According to embodiments of this disclosure, when the will data is a document or an image, preprocessing the will data includes: using optical character recognition technology to identify the document or image to obtain the testator's information and allocation rule information; selecting the signature identifier portion of the document or image corresponding to the testator's information; and using a signature feature extraction algorithm to extract the signature features of the signature identifier portion.

[0006] According to embodiments of this disclosure, when the will data is audio or video, preprocessing the will data includes: using speech recognition technology to convert the audio in the audio or video into text to obtain the testator's information and allocation rule information; selecting the audio identifier portion or video identifier portion corresponding to the testator's information; extracting the voiceprint features in the audio identifier portion, or extracting the facial features in the video identifier portion.

[0007] According to embodiments of this disclosure, the validity determination of testator information includes: obtaining pre-stored biometric information of the testator corresponding to the testator information, the biometric information including signature information, voiceprint information or facial information; comparing the signature features, voiceprint features or facial features with the biometric information, and if the similarity value of the comparison is greater than a threshold, the validity determination is passed.

[0008] According to embodiments of this disclosure, calculating the detailed asset inheritance distribution based on distribution rule information and generating an electronic will to be verified includes: calculating the heirs, distribution ratios, distribution methods, and settlement dates for each asset item according to a predetermined format based on the distribution rule information, and generating an electronic will to be verified.

[0009] According to embodiments of this disclosure, sending the electronic will to be verified to asset management institution nodes and judicial organ nodes on the blockchain for verification includes: confirming the asset management institution and judicial organ based on the heirs of the asset items in the testator's information and distribution rules information; determining the asset management institution nodes and judicial organ nodes on the blockchain based on the asset management institution and judicial organ; and sending the electronic will to be verified to the asset management institution nodes and judicial organ nodes on the blockchain.

[0010] According to embodiments of this disclosure, the electronic will to be verified is sent to asset management institution nodes and judicial organ nodes on the blockchain for verification. The verification process includes: the asset management institution nodes and judicial organ nodes respectively verifying the electronic will to be verified using their private keys; the asset management institution nodes and judicial organ nodes respectively reviewing the content of the electronic will to be verified; after the asset management institution nodes and judicial organ nodes pass the review, a valid electronic will is generated and sent to the blockchain network for on-chain processing.

[0011] According to embodiments of this disclosure, determining the validity of testator information includes: identifying the will maker and witnesses based on the testator information; determining the validity of the witnesses' identities; and if the witnesses' identities fail the validity determination, the will data is invalid.

[0012] The second aspect of this disclosure provides a blockchain-based asset inheritance method, comprising: generating a valid electronic will according to the aforementioned blockchain-based electronic will generation method; in response to the end of the life of the testator of the valid electronic will, converting the valid electronic will into an executable electronic will; sending the executable electronic will to asset management institution nodes and judicial organ nodes on the blockchain for review; after the review is passed, the asset management institution node, based on the testator information and distribution rule information of the executable electronic will, performs the ownership change of the asset items in the executable electronic will, thereby completing the asset inheritance.

[0013] The third aspect of this disclosure provides a blockchain-based electronic will generation system, comprising: an acquisition module for acquiring will data from user nodes on the blockchain, the will data including at least one of documents, images, audio, and video; a preprocessing module for preprocessing the will data to obtain testator information and distribution rule information, the distribution rule information including asset type, heirs, distribution ratio, distribution method, and settlement date; a judgment module for judging the validity of the testator information; a calculation module for calculating the detailed asset inheritance distribution based on the distribution rule information when the validity judgment is passed, and generating an electronic will to be verified; and a verification module for sending the electronic will to be verified to asset management institution nodes and judicial organ nodes on the blockchain for verification, and generating a valid electronic will and sending it to the blockchain network for on-chain processing after successful verification.

[0014] The fourth aspect of this disclosure provides a blockchain-based asset inheritance system, comprising: a generation module for generating a valid electronic will according to the aforementioned blockchain-based electronic will generation system; a response module for converting the valid electronic will into an executable electronic will in response to the end of the life of the testator of the valid electronic will; a review module for sending the executable electronic will to asset management institution nodes and judicial organ nodes on the blockchain for review; and a change module for, after the review is passed, the asset management institution node to change the ownership of the assets in the executable electronic will according to the testator information and allocation rule information, thereby completing the asset inheritance.

[0015] The fifth aspect of this disclosure provides an electronic device comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors perform the aforementioned blockchain-based electronic will generation method.

[0016] A sixth aspect of this disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, cause the processor to perform the aforementioned blockchain-based electronic will generation method.

[0017] The seventh aspect of this disclosure also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described blockchain-based electronic will generation method. Attached Figure Description

[0018] The foregoing contents, as well as other objects, features, and advantages of this disclosure, will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0019] Figure 1 The illustrations depict application scenarios of a blockchain-based electronic will generation method, asset inheritance method, system, device, medium, and program product according to embodiments of the present disclosure.

[0020] Figure 2 A flowchart illustrating a blockchain-based electronic will generation method according to an embodiment of the present disclosure is shown.

[0021] Figure 3 This schematically illustrates a flowchart of a method for preprocessing will data when the will data is a document or an image according to an embodiment of the present disclosure;

[0022] Figure 4 This schematically illustrates a flowchart of a method for preprocessing will data when the will data is audio or video according to an embodiment of the present disclosure;

[0023] Figure 5 A flowchart illustrating a method for determining the validity of testator information according to an embodiment of the present disclosure is shown schematically.

[0024] Figure 6 The flowchart illustrates an embodiment of the present disclosure of a method for sending an electronic will to be verified to an asset management institution node and a judicial authority node on a blockchain for verification.

[0025] Figure 7 The flowchart illustrates an embodiment of the present disclosure of a verification method for sending an electronic will to be verified to an asset management institution node and a judicial authority node on a blockchain for verification.

[0026] Figure 8 A flowchart illustrating another method for determining the validity of testator information according to an embodiment of the present disclosure is shown schematically;

[0027] Figure 9A flowchart illustrating a blockchain-based asset inheritance method according to an embodiment of this disclosure is shown schematically.

[0028] Figure 10 A schematic diagram illustrating the structure of a consortium blockchain system according to an embodiment of this disclosure is shown.

[0029] Figure 11 This illustration schematically shows a structural diagram of an asset inheritance service system according to an embodiment of the present disclosure;

[0030] Figure 12 A flowchart illustrating the process of generating electronic asset will certificates according to embodiments of the present disclosure is shown schematically.

[0031] Figure 13 A flowchart illustrating the testamentary succession process according to an embodiment of this disclosure is shown schematically.

[0032] Figure 14 The diagram schematically illustrates a structural block diagram of a blockchain-based electronic will generation system according to an embodiment of the present disclosure;

[0033] Figure 15 This schematically illustrates a structural block diagram of a blockchain-based asset inheritance system according to an embodiment of the present disclosure; and

[0034] Figure 16 A block diagram schematically illustrates an electronic device suitable for implementing the methods described above, according to embodiments of the present disclosure. Detailed Implementation

[0035] The embodiments of the present disclosure will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the disclosure. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure for ease of explanation. However, it will be apparent that one or more embodiments may be practiced without these specific details. Furthermore, descriptions of well-known structures and techniques are omitted in the following description to avoid unnecessarily obscuring the concepts of the present disclosure.

[0036] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit this disclosure. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0037] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0038] When using expressions such as "at least one of A, B, and C," the expression should generally be interpreted in accordance with the meaning commonly understood by a person skilled in the art (e.g., "a system having at least one of A, B, and C" should include, but is not limited to, systems having A alone, having B alone, having C alone, having A and B, having A and C, having B and C, and / or systems having A, B, and C, etc.). Similarly, when using expressions such as "at least one of A, B, or C," the expression should generally be interpreted in accordance with the meaning commonly understood by a person skilled in the art (e.g., "a system having at least one of A, B, or C" should include, but is not limited to, systems having A alone, having B alone, having C alone, having A and B, having A and C, having B and C, and / or systems having A, B, and C, etc.).

[0039] The accompanying drawings illustrate several block diagrams and / or flowcharts. It should be understood that some blocks, or combinations thereof, in the block diagrams and / or flowcharts can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that, when executed by the processor, these instructions can create means for implementing the functions / operations described in these block diagrams and / or flowcharts. The technology of this disclosure can be implemented in hardware and / or software (including firmware, microcode, etc.). Alternatively, the technology of this disclosure can take the form of a computer program product stored on a computer-readable storage medium, which is available for use by or in conjunction with an instruction execution system.

[0040] In view of the shortcomings of the existing technology, the embodiments of this disclosure provide a blockchain-based electronic will generation method, asset inheritance method, system, device, medium and program product, which are applied in the blockchain field, can be compatible with different forms of wills and ensure the credibility of the will.

[0041] Figure 1 An exemplary system architecture 100, according to embodiments of this disclosure, can be applied to a blockchain-based electronic will generation method. It should be noted that... Figure 1 The examples shown are merely examples of system architectures that can be applied to the embodiments of this disclosure, in order to help those skilled in the art understand the technical content of this disclosure, but do not mean that the embodiments of this disclosure cannot be used in other devices, systems, environments or scenarios.

[0042] like Figure 1As shown, the system architecture 100 according to this embodiment may include terminal devices 101, 102, and 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, and 103 and the server 105. The network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0043] Users can use terminal devices 101, 102, and 103 to interact with server 105 via network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, and 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0044] Terminal devices 101, 102, and 103 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0045] Server 105 can be a server that provides various services, such as a backend management server that supports websites browsed by users using terminal devices 101, 102, and 103 (for example only). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0046] It should be noted that the blockchain-based electronic will generation method provided in this disclosure can generally be executed by terminal devices 101, 102, 103 and server 105. Correspondingly, the blockchain-based electronic will generation system provided in this disclosure can generally be set up in terminal devices 101, 102, 103 and server 105. The blockchain-based electronic will generation method provided in this disclosure can also be executed by a server or server cluster that is different from server 105 but can communicate with terminal devices 101, 102, 103 and / or server 105. Correspondingly, the blockchain-based electronic will generation system provided in this disclosure can also be set up in a server or server cluster that is different from server 105 but can communicate with terminal devices 101, 102, 103 and / or server 105.

[0047] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0048] The following will be based on Figure 1The described scene, through Figures 2 to 16 The blockchain-based electronic will generation method of the disclosed embodiments is described in detail.

[0049] Figure 2 A flowchart illustrating a blockchain-based electronic will generation method according to an embodiment of the present disclosure is shown.

[0050] like Figure 2 As shown, the blockchain-based electronic will generation method 200 may include operations S210 to S250.

[0051] In operation S210, will data of user nodes on the blockchain is obtained. Will data includes at least one of documents, pictures, audio and video.

[0052] Handwritten wills in document form are a common format; however, the content of document-based wills is limited by the testator's education level and legal knowledge, and they are easily altered, so their authenticity cannot be guaranteed. The will data disclosed here is not limited to document format; it can also include wills converted to image format, audio wills, video wills, etc.

[0053] In operation S220, the will data is preprocessed to obtain the testator information and distribution rule information from the will data. The distribution rule information includes asset type, heirs, distribution ratio, distribution method and settlement date.

[0054] Preprocessing wills of different formats yields key information, including testator information and distribution rules. The asset types in the distribution rules are not limited to digital assets; they can also include real-life assets such as houses and vehicles. Of course, the preprocessing methods differ depending on the will format.

[0055] In operation S230, the validity of the testator's information is determined.

[0056] The validity assessment of the pre-processed testator information primarily involves verifying the authenticity of the testator's identity. Testator data typically includes the will maker, witnesses, and heirs. This step mainly verifies the validity of the will maker's identity information; subsequent steps also include verifying the identity information of the witnesses. The authenticity and validity of a will are fundamental conditions for testamentary succession; only by passing the validity assessment can the will data be proven valid.

[0057] In operation S240, when the validity judgment is passed, the detailed items of asset inheritance distribution are calculated according to the distribution rule information, and an electronic will to be verified is generated.

[0058] The specific allocation method for each asset is calculated based on the distribution rules extracted from the will data, in order to meet the basic requirements of electronic wills and facilitate the smooth inheritance of subsequent assets.

[0059] In the S250 process, the electronic will to be verified is sent to the asset management institution node and the judicial organ node on the blockchain for verification. After successful verification, a valid electronic will is generated and sent to the blockchain network for on-chain verification.

[0060] After the basic content of an electronic will meets the requirements, it needs to be notarized. Judicial nodes play a credible role in the generation and inheritance of electronic wills, while asset management institution nodes primarily manage and execute the inheritance process; the two are independent of each other. Once verified, a valid electronic will is generated and uploaded to the blockchain network. Blockchain is a distributed, shared ledger and database with characteristics such as decentralization, immutability, full traceability, accountability, collective maintenance, and transparency. These characteristics ensure the "honesty" and "transparency" of the blockchain, laying the foundation for trust.

[0061] This invention utilizes intelligent identification of various types of wills to pre-determine asset allocation rules. Leveraging the immutable and trustworthy characteristics of blockchain technology, it achieves distributed data storage and allows qualified government agencies and enterprises to participate in the consortium blockchain to verify the legality of wills. Furthermore, it verifies the validity of the testator's identity, reducing the risk of will forgery.

[0062] Figure 3 The flowchart illustrates a method for preprocessing will data when the will data is a document or an image according to an embodiment of the present disclosure.

[0063] like Figure 3 As shown, when the will data is a document or an image, the preprocessing method for the will data may include operations S2211 to S2213.

[0064] In operation S2211, optical character recognition technology is used to identify documents or images to obtain information about the testator and the distribution rules.

[0065] In operation S2212, select the signature identifier portion of the document or image corresponding to the testator's information.

[0066] In operation S2213, the signature feature extraction algorithm is used to extract the signature features of the signature identifier portion.

[0067] For document formats (e.g., PDF files) and image formats, Optical Character Recognition (OCR) technology can be used to extract the content and date of the will. Specifically, PDF files can be converted into editable formats using OCR recognition tools. OCR image recognition extracts text from images through image input, text detection, and text recognition. The specific steps include: 1) Text detection: Detecting the location and range of text in the image, and using a "CNN+LSTM" model to extract features from the image, obtaining spatial and sequence features of the image text. The convolutional neural network extracts high-dimensional features through convolutional layers and inputs them into pooling layers for mean or minimum / maximum value processing, and outputs the spatial features of the image through fully connected layers. The CNN fully connected layer connects to the LSTM model. LSTM can achieve contextual feature extraction. Assuming the feature map size is (500, 1, 40), 500 feature maps are obtained, each with a height of 1 and a width of 40. LSTM extracts the sequence features of the text from each column of the feature map. This yields 40 feature vectors, each 500 units long. Each time step in the LSTM is processed using one feature vector. The "CNN+LSTM" model extracts spatial and temporal features from the image, outputting the text feature sequence. 2) Text Recognition: Text recognition technology converts the text content of the feature map into text content. First, the output feature sequence of the text detection is used to calculate the probability using the softmax function, obtaining a probability distribution matrix. Then, using the CTC transcription function, classification is performed based on the probability of each module, converting the feature probability distribution into the corresponding text sequence. For PDF and image formats, existing signature feature extraction algorithms can be used to extract the signature features of the will. Specifically, OCR technology can be used to identify the signature area and convert it into an image. The image is binarized using the maximum intra-class and inter-class variance ratio method, and normalized after denoising and smoothing. Signature features are extracted by combining shape feature extraction and pseudo-dynamic feature extraction.

[0068] Figure 4 The flowchart illustrates a method for preprocessing will data when the will data is audio or video, according to an embodiment of the present disclosure.

[0069] like Figure 4 As shown, when the will data is audio or video, the preprocessing method for the will data may include operations S2221 to S2223.

[0070] In operation S2221, speech recognition technology is used to convert audio from audio or video into text, thereby obtaining the testator's information and distribution rules information.

[0071] In operation S2222, select the audio identifier or video identifier that corresponds to the testator's information.

[0072] In operation S2223, extract voiceprint features from the audio identifier portion or extract facial features from the video identifier portion.

[0073] For audio and video format wills, speech recognition technology is used to convert the speech signal into text. Specifically, this includes: 1) Noise reduction: filtering out unimportant information and background noise, performing endpoint detection and frame segmentation of the speech signal. 2) Feature extraction: extracting key feature parameters reflecting the characteristics of the speech signal to form a feature vector sequence. 3) Acoustic model training: using a Hidden Markov Model (HM) for acoustic modeling, training acoustic model parameters based on the feature parameters of the training speech library, and matching the speech feature parameters to be recognized with the acoustic model during recognition to obtain the recognition result, i.e., the probability that the speech belongs to a certain acoustic symbol. 4) Language model training: calculating the probability of all word sequences, and selecting the word order with the highest probability as the sentence construction. 5) Speech decoding: establishing a recognition network using the trained HMM acoustic model, speech model, and dictionary, and outputting the word string of the speech signal with the highest probability according to the search algorithm. For audio and video format wills, the LSTM+CTC model in a recurrent neural network is used to process the audio and extract audio voiceprint features. 1) Acoustic feature extraction: for the audio signal, frame segmentation is performed, dividing the sound into many small segments. After framing, the audio data becomes very small segments, and then features are extracted from these small segments. 2) Acoustic features are converted into phonemes: For example, if the extracted acoustic features are N*13 data, the acoustic features are input into an LSTM model to output phoneme features. 3) Phonemes are converted into text: The resulting phoneme sequence needs to be converted into text data using an LSTM+CTC language model decoding technique. Finally, the output phoneme classification sequence is the sound feature.

[0074] Figure 5 A flowchart illustrating a method for determining the validity of testator information according to an embodiment of the present disclosure is shown.

[0075] like Figure 5 As shown, the method for determining the validity of testator information may include operations S231 to S232.

[0076] In operation S231, the biometric information of the testator corresponding to the testator's information is obtained in advance. The biometric information includes signature information, voiceprint information, or facial information.

[0077] In operation S232, the signature features, voiceprint features, or facial features are compared with biometric information. If the similarity value of the comparison is greater than the threshold, the validity judgment is passed.

[0078] For wills obtained in document or image format, a signature feature database for each user is generated using a signature feature extraction algorithm. A central feature vector and a discrimination threshold are obtained using training samples from this database. Euclidean distance is used to determine the similarity between the will's signature features and the central feature vector, thus establishing the will's identity. For voiceprint features obtained in audio / video format, a voiceprint feature extraction algorithm is generated for each user. A feature vector and a discrimination threshold are obtained using training samples from this database. Cosine distance is used to determine the similarity between the voiceprint features extracted from the will's audio / video data and the user's own voiceprint, thus establishing the identities of the will's author and witnesses. Successful identity verification indicates that the validity determination has passed.

[0079] Based on the above embodiments, calculating the detailed asset inheritance distribution items according to the distribution rule information and generating an electronic will to be verified includes: calculating the heirs, distribution ratios, distribution methods and settlement dates for each asset item according to the distribution rule information in a predetermined format, and generating an electronic will to be verified.

[0080] The detailed asset distribution plan refers to the specific heirs, quantities, distribution methods, and settlement dates for each asset, meeting the basic requirements of an electronic will. This detailed plan is essentially a standard form of an electronic will, facilitating timely and smooth asset inheritance.

[0081] Figure 6 The flowchart illustrates a method for sending an electronic will to be verified to asset management institution nodes and judicial authority nodes on a blockchain for verification, according to an embodiment of this disclosure.

[0082] like Figure 6 As shown, the method of sending the electronic will to be verified to asset management institution nodes and judicial organ nodes on the blockchain for verification may include operations S251 to S253.

[0083] In operation S251, the heirs of the assets in the testator's information and distribution rules are identified by the asset management institution and judicial authorities.

[0084] In operation S252, the asset management institution nodes and judicial authority nodes on the blockchain are determined based on the asset management institution and the judicial authority.

[0085] In operation S253, the electronic will to be verified is sent to the asset management institution node and the judicial authority node on the blockchain.

[0086] Specifically, asset management institutions and judicial organs can be assigned based on the habitual residence of the testator or heirs, or based on the location of real estate in the will data. The electronic will to be verified is sent to the corresponding nodes for verification. The electronic will to be verified includes user identification information, several asset details and their heirs, the amount of inheritance, the method of inheritance and the date of inheritance, the asset management institution's identifier, and the judicial organ's identifier. The asset management institution refers to the agency that registers the ownership of the testamentary assets; for example, if the will includes real estate, it would be the real estate registration bureau; if it includes a wealth management product from Bank A, it would be Bank A.

[0087] Figure 7 The flowchart illustrates an embodiment of the present disclosure of a verification method for sending an electronic will to be verified to asset management institution nodes and judicial authority nodes on a blockchain for verification.

[0088] like Figure 7 As shown, the verification method that sends the electronic will to be verified to asset management institution nodes and judicial organ nodes on the blockchain for verification may include operations S2531 to S2533.

[0089] In operation S2531, the asset management institution node and the judicial authority node respectively use their private keys to verify the electronic will to be verified.

[0090] In operation S2532, the asset management institution node and the judicial authority node respectively review the contents of the electronic will to be verified.

[0091] After the asset management institution node and the judicial authority node approve the S2533 operation, a valid electronic will is generated and sent to the blockchain network for on-chain processing.

[0092] After the electronic will to be verified is signed using the public keys of the corresponding asset management institution and the judicial authority, it is sent to the asset management institution and the judicial authority. The asset management institution confirms the asset status after verifying the signature with its private key, and the judicial authority confirms the legality conditions after verifying the signature with its private key. Only when the electronic will has been verified by both the asset management institution and the judicial authority can a valid electronic will certificate be generated and uploaded to the blockchain.

[0093] Figure 8 A flowchart illustrating a method for determining the validity of testator information according to an embodiment of the present disclosure is shown.

[0094] like Figure 8 As shown, the method for determining the validity of testator information may include operations S233 to S234.

[0095] In operation S233, the testator and witnesses are determined based on the testator's information.

[0096] In operation S234, the identity of the witness is verified. If the verification of the witness's identity fails, the will data is invalid.

[0097] Operations S231 and S232 verify the authenticity of the identities of the will maker and witnesses. Further verification of the witnesses' identities is possible. The witness validity rule states that the witnesses cannot include persons without legal capacity, persons with limited legal capacity, heirs, or persons with a vested interest in the heirs; if such persons are included, the will is invalid. Whether a witness is without legal capacity, has limited legal capacity, or has a vested interest in the heirs can be pre-marked and stored in a database.

[0098] If multiple wills exist simultaneously, the validity of the rule information can be further determined. If only one will is valid, the rule extracted from the valid will shall prevail. If multiple wills are valid simultaneously, the rules for each will format are extracted separately, the word frequency of the rules is calculated, word frequency vectors are generated, and the cosine similarity of the word frequency vectors is calculated. When the similarity value of signature features, voiceprint features, or facial features is greater than a threshold such as 0.8, the rule is adopted; if the similarity is lower than the threshold, the dates of the wills are determined, and the rule extracted from the will with the latest date is adopted. Specific validity rules can also be set according to actual needs.

[0099] Based on the above embodiments, generating a valid electronic will and sending it to the blockchain network for on-chain processing includes: generating a hash value based on the valid electronic will and reaching consensus on the hash value to the blockchain network.

[0100] Hash calculation is used to calculate the hash value of electronic will data, employing hash algorithms such as MD5, SHA-1, SHA-256, and SM3, among others. The hash calculation converts valid electronic will data into cryptography and outputs a fixed hash value, which is then shared with the blockchain network. For identical electronic will data, the same hash value is obtained.

[0101] The electronic will generation method disclosed herein overcomes the shortcomings of existing technologies that only support digital assets and manual input of will rules. It utilizes blockchain and artificial intelligence technologies to extend the scope of assets to be executed by will, ensure compatibility with multiple will formats, and intelligently extract will inheritance rules, thereby greatly improving the efficiency of will inheritance.

[0102] Based on the above-mentioned electronic will generation method, this disclosure also provides a blockchain-based asset inheritance method.

[0103] Figure 9 A flowchart illustrating a blockchain-based asset inheritance method according to an embodiment of this disclosure is shown.

[0104] like Figure 9As shown, the method for determining the validity of testator information may include operations S260 to S290.

[0105] In operation S260, a valid electronic will is generated according to the aforementioned blockchain-based electronic will generation method.

[0106] In operation S270, in response to the end of the life of the testator of a valid electronic will, the valid electronic will is converted into an executable electronic will.

[0107] In operation S280, the electronic will to be executed is sent to the asset management institution node and the judicial authority node on the blockchain for review.

[0108] After S290 is completed and approved, the asset management agency node will change the ownership of the assets in the electronic will to be executed based on the testator's information and distribution rules, thus completing the asset inheritance.

[0109] After a valid electronic will is generated and uploaded to the blockchain network, the heirs still need to proceed with the inheritance process according to the will. The end of the testator's life signifies the will's validity, and the electronic will enters a state of pending execution. During the execution of the electronic will, the asset management institution nodes and judicial organs, which verify the will in the S250 operation, need to further review it to ensure its security during the inheritance process. This allows assets to be automatically and securely transferred to the heirs, and the asset management institution nodes then transfer ownership of the assets. This completes the asset inheritance process.

[0110] The present disclosure will be further described below through specific embodiments. The following embodiments specifically illustrate the above-described blockchain-based electronic will generation method and system, and blockchain-based asset inheritance method and system. However, the following embodiments are merely illustrative of the present disclosure, and the scope of the present disclosure is not limited thereto.

[0111] Figure 10 This is a schematic diagram of a technical solution for an asset inheritance method in this embodiment, including an asset inheritance service system 11, a communication network 12, and several blockchain nodes 13.

[0112] The Asset Inheritance Service System 11 refers to providing users with asset inheritance and will verification services based on consortium blockchain, and providing services such as will review and on-chain user information update to judicial and other state organs. It has visual operation service capabilities such as PC and mobile terminals.

[0113] Communication network 12 is the infrastructure for communication between nodes in the blockchain network, and can take the form of the Internet, leased lines, etc.

[0114] Blockchain node 13 is responsible for transaction consensus on upgrade information, and this consensus is determined using the Byzantine Fault Tolerance (PBFT) algorithm. The number of consensus nodes in a consortium blockchain network is typically 3f+1, where f represents the number of fault-tolerant nodes the blockchain system can support, with a minimum of 1. This is determined by the Byzantine Fault Tolerance (PBFT) algorithm used for transaction consensus. In a blockchain system with 3f+1 consensus nodes, a master node is first selected. New blocks are generated by the master node. Each node broadcasts transactions sent by clients to the entire network. The master node collects multiple transactions from the network that need to be included in the new block, sorts them, stores them in a list, and broadcasts this list to the entire network. In a consortium blockchain network, three phases of submission and verification are required. In each phase, each node must receive at least 2f+1 consistent confirmation messages from other nodes before proceeding to the next phase. If 2f+1 consistent confirmation messages cannot be received from other phases in any phase, no further confirmation messages are sent. After the three phases are completed, the transaction is considered to have reached a consensus, and a new block can be submitted, along with the local blockchain and state database on the transaction dashboard.

[0115] Figure 11 This is a schematic diagram of an asset inheritance service system in this embodiment, which includes an asset inheritance data identification unit 21, an asset inheritance allocation calculation unit 22, an asset allocation verification unit 23, an asset inheritance settlement unit 24, a relational database service unit 25, a consortium blockchain service unit 26, a smart contract service unit 27, an encryption service unit 28, and a user service unit 29.

[0116] Asset Inheritance Document Identification Unit 21: This unit identifies will formats such as documents, images, and audio / video recordings, extracts key distribution rule information, and sends this information to the Asset Inheritance Distribution Calculation Unit 22. The rule information includes, but is not limited to, asset type, heirs, distribution ratio, distribution method, and settlement date. The asset types may include financial assets, housing assets, vehicle assets, and other assets listed in the Inheritance Law. The distribution methods may include lump-sum settlement, equal periodic payments, or a customized method. The specific identification steps are as follows:

[0117] 1. Data preprocessing; this step has been described in detail above and will not be repeated here.

[0118] 2. Rule Information Extraction: Key features are extracted from the identified text information, including asset type, heirs, allocation ratio, and allocation method. Specific steps are as follows: 1) The text is segmented using machine learning algorithms. 2) Words are vectorized using the Bag-of-Words (BOW) model. 3) Using an existing will database and will allocation rules as a corpus, key rules are extracted again using the TF-IDF algorithm based on word vectors. Word weights are obtained by calculating word frequency and inverse document frequency, extracting key rule information from the text. The basic rule can be "Asset A - Heir - Allocation Ratio - Settlement Date - Allocation Method". Assets not extracted are allocated according to existing legal rules; assets without an extracted allocation ratio are allocated 100%; assets without an extracted allocation method are settled in a lump sum, with the settlement date being the day the will takes effect after the testator's death.

[0119] 3. Determining the validity of the will; this step has been explained in detail above and will not be repeated here.

[0120] Asset Inheritance Distribution Calculation Unit 22: Based on the asset distribution rule information extracted by the asset inheritance data identification unit 21, the asset inheritance distribution calculation unit 22 calculates the detailed asset inheritance distribution items of the testator, allocates notary offices and judicial institutions according to the user's habitual residence, generates an electronic will, and sends the electronic will to the asset distribution verification unit 23.

[0121] Asset Allocation Verification Unit 23: This unit receives the electronic will to be verified from the asset inheritance allocation calculation unit 22. Through the encryption service unit 28, it signs the will certificate using the public keys of the asset management institution and the judicial authority corresponding to the asset items. The signed will is then sent to both the asset management institution and the judicial authority. The unit receives information from the asset management institution confirming the asset status after verifying the signature with its private key, and from the judicial authority confirming the legality of the signed will after verifying it with its private key. Only when both the asset management institution and the judicial authority return a successful verification result can a valid electronic will certificate be generated and uploaded to the blockchain. The on-chain certificate ID is returned to the user, and the will certificate status is updated to valid, generating inheritance contract information. If either party returns a failed verification result, the reason for rejection is returned, and the process enters the manual review stage. The failed electronic will certificate and the reason are sent to a manual reviewer, who corrects the electronic will certificate information and then resends it to the asset management institution and the judicial authority for verification.

[0122] Asset Inheritance Settlement Unit 24: Through smart contract service unit 27, asset inheritance settlement unit 24 obtains the electronic will certificate contract information to be executed deployed on consortium blockchain service unit 26, obtains the inheritance rules that are equal to the current date and settlement date, sends ownership change instructions to the asset management institutions involved in the asset details and receives the change results.

[0123] Relational Database Service Unit 25: A relational database is a type of database that stores and provides access to data points that are related to each other. Relational databases are based on the relational model, an intuitive and direct way of representing data in tables. In a relational database, each row in a table is a record with a unique ID (called a key). The columns of the table store the attributes of the data, and each record typically has a value for each attribute, making it easy to establish relationships between data points. Relational Database Unit 25 supports multiple relational databases such as Oracle and MySQL, allowing for convenient selection of the appropriate database based on different business scenarios, and providing data storage and retrieval services to other units.

[0124] Consortium Blockchain Service Unit 26: Consortium Blockchain Service Unit 26 is responsible for the creation and operation of the consortium blockchain network. Based on the node configuration information set by the consortium participants, it creates consortium blockchain network nodes on the computing resource devices of the consortium participants and deploys smart contracts on the consortium blockchain through Smart Contract Service Unit 27.

[0125] Smart Contract Service Unit 27: The smart contract management unit 27 issues instructions to the consortium blockchain network management unit 24 to deploy smart contracts on the peer nodes of the consortium blockchain network. It receives electronic will contracts from the asset allocation verification unit 23, and the participants sign them with their respective private keys. The signed smart contracts are then transmitted to the consortium blockchain network.

[0126] Contracts are distributed across the consortium blockchain via peer-to-peer (P2P) communication. Peer nodes store received contracts in memory, awaiting consensus and processing. Once consensus is reached, the peer nodes package all recently stored contracts into a single set, calculate its hash, assemble it into a block structure, and distribute it across the network.

[0127] After receiving the contract set, other peer nodes compare and verify it with their own saved contract set, and at the same time send a copy of the contract set they approve to other peer nodes. Through multiple rounds of sending and comparison, all peer nodes eventually reach an agreement on the latest contract set within the specified time.

[0128] The smart contract periodically checks the automaton state, iterates through the state machine, transactions, and triggering conditions contained in each contract, pushes transactions that meet the conditions to the queue for verification, performs signature verification to ensure the validity of the transactions, waits for a majority of peer nodes to reach a consensus, executes successfully, and notifies the user.

[0129] Transactions that do not meet the triggering conditions will continue to be stored on the blockchain. After a transaction is successfully executed, the smart contract's built-in state machine will determine the status of the contract. When all transactions included in the contract have been executed sequentially, the state machine will mark the contract's status as completed and remove the contract from the latest block; otherwise, it will be marked as in progress and will continue to be stored in the latest block to await the next round of processing until it is completed.

[0130] Encryption Service Unit 28: Encryption Service Unit 28 uses hardware encryption machine technology to complete information encryption and key storage. Information encryption is achieved by directly accessing the encryption machine instructions. The key entity is centrally stored by Encryption Service Unit 28, and the key identifier needs to be sent up when it is used.

[0131] User Service Unit 29: User Service Unit 29 manages all users of the Asset Inheritance Service System, provides registration services and verifies user information, and provides a visual front-end interface service to facilitate users' operation of various functions of the Asset Inheritance Service System 11.

[0132] Figure 12 Here is a flowchart of an electronic will certificate generation process in this embodiment:

[0133] S300, obtain asset inheritance information uploaded by the user through user service unit 29.

[0134] S310, call the asset inheritance data identification unit 21 to extract the asset inheritance allocation rule information.

[0135] S320, call the asset inheritance distribution calculation unit 22 to calculate the asset inheritance distribution details and generate an electronic will.

[0136] S330, the asset allocation verification unit 23 is invoked to sign the will certificate using the public key of the asset management institution and the public key of the judicial authority corresponding to the asset item through the encryption service unit 28, and then the will certificate is sent to the asset management institution and the judicial authority.

[0137] S340, judicial authorities and asset management institutions use the private key to verify the signature of the electronic will certificate through the encryption service unit 28.

[0138] S350, judicial authorities and asset management institutions shall respectively review the will certificate.

[0139] S360, after being reviewed and approved by judicial authorities and asset management institutions respectively, the credential will is uploaded to the blockchain through consortium blockchain service unit 26 and returned to the user with the on-chain credential ID.

[0140] S370 determines whether the judicial authorities and asset management institutions have approved the application simultaneously.

[0141] S380, if so, generates a valid electronic will certificate and uploads it to the blockchain, returning the on-chain certificate ID to the user.

[0142] S390, if not, send the failed electronic voucher and the reason to the human auditor for modification and verification.

[0143] Figure 13 This is a flowchart of a will inheritance process in this embodiment. The specific steps are as follows:

[0144] S400 periodically calls the query interface provided by the system through the user service unit 29 to update the life status of user information on the chain.

[0145] S410 periodically scans on-chain user information through a user information management contract deployed on consortium blockchain service unit 26, and collects users whose lifecycle status has changed to end.

[0146] S420: When the user's lifecycle state ends, determine whether an electronic will certificate has been generated on the chain. If not, proceed to S430. If yes, determine whether there is an unexecuted electronic will certificate. If yes, proceed to S440. If no, skip.

[0147] S430 notifies the judicial authorities and the user's legal heirs of a window period for submitting supplementary will materials. If supplementary materials are submitted, the electronic will generation process will begin.

[0148] S440: Obtain an electronic will certificate and send a review notice to the judicial authorities, legal heirs, and asset management institutions involved in the certificate.

[0149] S450, judicial authorities and legal heirs verify the validity of the digital signature on the user's lifecycle status and the on-chain will.

[0150] S460 If the review passes, proceed to step 480; otherwise, if the review fails, proceed to step 470.

[0151] S470, to be handled by judicial authorities through other measures.

[0152] S480 generates an asset inheritance smart contract. The contract includes inheritance rules for the detailed assets. Judicial authorities and asset management institutions complete the ownership transfer according to the inheritance rules of the contract. The execution date is the settlement date specified in the rules, and the execution result is uploaded to the blockchain through the consortium blockchain service unit 26.

[0153] Figure 14 A block diagram of a blockchain-based electronic will generation system according to an embodiment of the present disclosure is shown schematically.

[0154] like Figure 14As shown, the blockchain-based electronic will generation system 1400 includes: an acquisition module 1410, a preprocessing module 1420, a judgment module 1430, a calculation module 1440, and a verification module 1450.

[0155] The acquisition module 1410 is used to acquire will data from user nodes on the blockchain. The will data includes documents, images, audio, and video. According to embodiments of this disclosure, the acquisition module 1410 can, for example, be used to perform the functions described in the above reference. Figure 2 The steps described in S210 will not be repeated here.

[0156] The preprocessing module 1420 is used to preprocess the will data to obtain the testator's information and distribution rule information from the will data. The distribution rule information includes asset type, heirs, distribution ratio, distribution method, and settlement date. According to embodiments of this disclosure, the preprocessing module 1420 can, for example, be used to perform the above-mentioned reference. Figure 2 The steps described in S220 will not be repeated here.

[0157] The judgment module 1430 is used to determine the validity of the testator's information. If the validity determination passes, the next step is performed. According to embodiments of this disclosure, the judgment module 1430 can, for example, be used to perform the above-mentioned reference. Figure 2 The steps described in S230 will not be repeated here.

[0158] The calculation module 1440 is used to calculate the detailed asset inheritance distribution items based on the distribution rule information and generate an electronic will to be verified. According to embodiments of this disclosure, the calculation module 1440 can, for example, be used to perform the above-mentioned... Figure 2 The steps described in S240 will not be repeated here.

[0159] Verification module 1450 is used to send the electronic will to be verified to asset management institution nodes and judicial organ nodes on the blockchain for verification. Upon successful verification, a valid electronic will is generated and sent to the blockchain network for on-chain processing. According to embodiments of this disclosure, verification module 1450 can, for example, be used to perform the functions described in the above reference. Figure 2 The steps described in S250 will not be repeated here.

[0160] Figure 15 A block diagram of a blockchain-based asset inheritance system according to an embodiment of the present disclosure is illustrated.

[0161] like Figure 15 As shown, the blockchain-based asset inheritance system 1500 includes: a generation module 1510, a response module 1520, a review module 1530, and a change module 1540.

[0162] The generation module 1510 is configured to generate a valid electronic will according to the blockchain-based electronic will generation system of claim 11. According to embodiments of this disclosure, the generation module 1510 may, for example, be used to perform the functions described above. Figure 2 The steps described in S260 will not be repeated here.

[0163] Response module 1520 is configured to convert a valid electronic will into an executable electronic will in response to the end of the life of the testator of the valid electronic will. According to embodiments of this disclosure, the response module 1520 can, for example, be used to execute the above-mentioned references. Figure 2 The steps described in S270 will not be repeated here.

[0164] The review module 1530 is used to send the electronic will to be executed to asset management institution nodes and judicial organ nodes on the blockchain for review. According to embodiments of this disclosure, the review module 1530 can, for example, be used to execute the above-mentioned references. Figure 2 The steps described in S280 will not be repeated here.

[0165] The modification module 1540, after review and approval, is used by the asset management institution node to modify the ownership of the assets in the electronic will to be executed, based on the testator's information and distribution rules, thereby completing the asset inheritance. According to embodiments of this disclosure, the modification module 1540 can, for example, be used to execute the above-mentioned references. Figure 2 The steps described in S290 will not be repeated here.

[0166] It should be noted that any one or more of the modules, submodules, units, and subunits according to the embodiments of this disclosure, or at least part of the functions of any one or more of them, can be implemented in one module. Any one or more of the modules, submodules, units, and subunits according to the embodiments of this disclosure can be divided into multiple modules for implementation. Any one or more of the modules, submodules, units, and subunits according to the embodiments of this disclosure can be at least partially implemented as hardware circuits, such as field-programmable gate arrays (FPGAs), programmable logic arrays (PLAs), systems-on-a-chip, systems-on-a-substrate, systems-on-package, application-specific integrated circuits (ASICs), or implemented in hardware or firmware by any other reasonable means of integrating or packaging circuits, or implemented in software, hardware, and firmware, or in any appropriate combination of any of these three implementation methods. Alternatively, one or more of the modules, submodules, units, and subunits according to the embodiments of this disclosure can be at least partially implemented as computer program modules, which, when run, can perform corresponding functions.

[0167] For example, any and multiple modules selected from the acquisition module 1410, preprocessing module 1420, judgment module 1430, calculation module 1440, verification module 1450, or generation module 1510, response module 1520, review module 1530, and change module 1540 can be combined into a single module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functionality of one or more of these modules can be combined with at least some of the functionality of other modules and implemented in a single module. According to embodiments of this disclosure, at least one of the following modules can be implemented, at least partially, as hardware circuits: acquisition module 1410, preprocessing module 1420, judgment module 1430, calculation module 1440, verification module 1450, or generation module 1510, response module 1520, verification module 1530, and change module 1540. These can be implemented, for example, as a field-programmable gate array (FPGA), programmable logic array (PLA), system-on-a-chip, system-on-a-substrate, system-on-package, application-specific integrated circuit (ASIC), or as hardware or firmware through any other reasonable means of integrating or packaging the circuit. Alternatively, they can be implemented in any one of the three methods of software, hardware, and firmware, or in a suitable combination of any of these methods. Alternatively, at least one of the following modules can be implemented, at least partially, as a computer program module: the acquisition module 1410, the preprocessing module 1420, the judgment module 1430, the calculation module 1440, the verification module 1450, or the generation module 1510, the response module 1520, the review module 1530, and the change module 1540. When the computer program module is run, it can perform the corresponding function.

[0168] Figure 16 A block diagram schematically illustrates an electronic device suitable for implementing the methods described above, according to embodiments of the present disclosure. Figure 16 The electronic device shown is merely an example and should not be construed as limiting the functionality and scope of the embodiments disclosed herein.

[0169] like Figure 16 As shown, the electronic device 1600 described in this embodiment includes a processor 1601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1602 or a program loaded from a storage portion 1608 into a random access memory (RAM) 1603. The processor 1601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1601 may also include onboard memory for caching purposes. The processor 1601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to embodiments of this disclosure.

[0170] RAM 1603 stores various programs and data required for the operation of system 1600. Processor 1601, ROM 1602, and RAM 1603 are interconnected via bus 1604. Processor 1601 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 1602 and / or RAM 1603. It should be noted that programs may also be stored in one or more memories other than ROM 1602 and RAM 1603. Processor 1601 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in one or more memories.

[0171] According to embodiments of this disclosure, the electronic device 1600 may further include an input / output (I / O) interface 1605, which is also connected to a bus 1604. The system 1600 may also include one or more of the following components connected to the I / O interface 1605: an input section 1606 including a keyboard, mouse, etc.; an output section 1607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1608 including a hard disk, etc.; and a communication section 1609 including a network interface card such as a LAN card, modem, etc. The communication section 1609 performs communication processing via a network such as the Internet. A drive 1610 is also connected to the I / O interface 1605 as needed. A removable medium 1611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 1610 as needed so that computer programs read from it can be installed into the storage section 1608 as needed.

[0172] According to embodiments of this disclosure, the method flow according to embodiments of this disclosure can be implemented as a computer software program. For example, embodiments of this disclosure include a computer program product comprising a computer program carried on a computer-readable storage medium, the computer program containing program code for performing the methods shown in the flowchart. In such embodiments, the computer program can be downloaded and installed from a network via communication section 1609, and / or installed from removable medium 1611. When the computer program is executed by processor 1601, it performs the functions defined in the system of embodiments of this disclosure. According to embodiments of this disclosure, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0173] This disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs, which, when executed, implement the blockchain-based electronic will generation method and the blockchain-based asset inheritance method according to the embodiments of this disclosure.

[0174] According to embodiments of this disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, such as including, but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In embodiments of this disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this disclosure, the computer-readable storage medium may include ROM 1602 and / or RAM 1603 and / or one or more memories other than ROM 1602 and RAM 1603 described above.

[0175] Embodiments of this disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code enables the computer system to implement the blockchain-based electronic will generation method and the blockchain-based asset inheritance method provided in the embodiments of this disclosure.

[0176] When the computer program is executed by the processor 1601, it performs the functions defined in the system / apparatus of this disclosure embodiments. According to embodiments of this disclosure, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0177] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 1609, and / or installed from a removable medium 1611. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0178] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 1609, and / or installed from the removable medium 1611. When the computer program is executed by the processor 1601, it performs the functions defined in the system of this disclosure embodiment. According to embodiments of this disclosure, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0179] According to embodiments of this disclosure, program code for executing the computer programs provided in embodiments of this disclosure can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can execute entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0180] It should be noted that the functional modules in the various embodiments of this disclosure can be integrated into one processing module, or each module can exist physically separately, or two or more modules can be integrated into one module. The integrated modules can be implemented in hardware or as software functional modules. If the integrated module is implemented as a software functional module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this disclosure, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product.

[0181] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0182] Those skilled in the art will understand that the features described in the various embodiments and / or claims of this disclosure can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this disclosure. In particular, the features described in the various embodiments and / or claims of this disclosure can be combined and / or combined in various ways without departing from the spirit and teachings of this disclosure. All such combinations and / or combinations fall within the scope of this disclosure.

[0183] Although this disclosure has been shown and described with reference to specific exemplary embodiments thereof, those skilled in the art will understand that various changes in form and detail may be made to this disclosure without departing from the spirit and scope of the disclosure as defined by the appended claims and their equivalents. Therefore, the scope of this disclosure should not be limited to the above embodiments, but should be defined not only by the appended claims, but also by their equivalents.

Claims

1. A method for generating electronic wills based on blockchain, characterized in that, include: Obtain will data from user nodes on the blockchain, wherein the will data includes at least one of documents, images, audio, and video; The will data is preprocessed to obtain the testator information and distribution rule information in the will data. The distribution rule information includes asset type, heirs, distribution ratio, distribution method and settlement date. The validity of the testator's information is determined as follows: When the will data is a document or image, signature features are obtained, a signature feature library is generated using a signature feature extraction algorithm, a central feature vector and a discrimination threshold are obtained using training samples from the signature feature library, and the similarity between the signature features and the central feature vector of the will document is determined using Euclidean distance to establish the identity information of the testator; when the will data is audio or video, voiceprint features are obtained, a voiceprint feature library is generated using a voiceprint feature extraction algorithm, a feature vector and a discrimination threshold are obtained using training samples from the voiceprint feature library, and the similarity between the voiceprint features and the user is determined using cosine distance to determine the identity information of the testator and witnesses; if the identity information is successfully compared, the validity determination is passed. When the validity determination is passed, the asset inheritance distribution details are calculated according to the distribution rule information, and an electronic will to be verified is generated; The electronic will to be verified is sent to the asset management institution node and judicial organ node on the blockchain for verification. After the verification is successful, a valid electronic will is generated and sent to the blockchain network for on-chain verification. The step of sending the electronic will to be verified to asset management institution nodes and judicial organ nodes on the blockchain for verification includes: The asset management institution and judicial authorities will be identified based on the heirs to the assets listed in the testator's information and distribution rules. The asset management institution nodes and judicial authority nodes on the blockchain are determined based on the aforementioned asset management institutions and judicial authorities. The electronic will to be verified is sent to the asset management institution node and the judicial authority node on the blockchain. The asset management institution node and the judicial authority node use their private keys to verify the electronic will to be verified. The asset management institution node and the judicial authority node review the content of the electronic will to be verified. After the asset management institution node and the judicial authority node approve the review, a valid electronic will is generated and sent to the blockchain network for on-chain processing.

2. The method for generating electronic wills based on blockchain according to claim 1, characterized in that, When the will data is a document or an image, the preprocessing of the will data includes: Optical character recognition technology is used to identify documents or images to obtain information about the testator and the distribution rules. Select the signature identifier portion of the document or image that corresponds to the testator's information; The signature features of the signature identifier portion are extracted using a signature feature extraction algorithm.

3. The method for generating electronic wills based on blockchain according to claim 1, characterized in that, When the will data is audio or video, the preprocessing of the will data includes: Speech recognition technology is used to convert audio from audio or video into text, thereby obtaining information about the testator and the distribution rules. Select the audio or video identifier portion that corresponds to the testator's information; Extract the voiceprint features from the audio identifier portion, or extract the facial features from the video identifier portion.

4. The blockchain-based electronic will generation method according to claim 2 or 3, characterized in that, The validity determination of the testator's information includes: Obtain pre-stored biometric information of the testator corresponding to the testator's information, wherein the biometric information includes signature information, voiceprint information, or facial information; The signature features, voiceprint features, or facial features are compared with the biometric information. If the similarity value is greater than the threshold, the validity is determined.

5. The method for generating electronic wills based on blockchain according to claim 1, characterized in that, The step of calculating the detailed asset inheritance distribution items based on the distribution rule information and generating an electronic will to be verified includes: Based on the allocation rules information, the heirs, allocation ratios, allocation methods, and settlement dates for each asset item are calculated according to a predetermined format, generating an electronic will to be verified.

6. The method for generating electronic wills based on blockchain according to claim 1, characterized in that, The validity determination of the testator's information includes: The testator's information is used to identify the person making the will and the witnesses. The identity of the witness is verified. If the verification fails, the will data is invalid.

7. A blockchain-based asset inheritance method, characterized in that, include: The blockchain-based electronic will generation method according to any one of claims 1 to 6 generates a valid electronic will; In response to the end of the life of the testator of the valid electronic will, the valid electronic will is converted into an executable electronic will; The electronic will to be executed is sent to the asset management institution nodes and judicial organ nodes on the blockchain for review; After the review is approved, the asset management agency node will change the ownership of the assets in the electronic will to be executed according to the testator information and distribution rules information, thereby completing the asset inheritance.

8. A blockchain-based electronic will generation system, characterized in that, The method for generating a blockchain-based electronic will according to any one of claims 1 to 6 includes: The acquisition module is used to acquire will data of user nodes on the blockchain, wherein the will data includes at least one of documents, pictures, audio and video. The preprocessing module is used to preprocess the will data to obtain the testator information and distribution rule information in the will data. The distribution rule information includes asset type, heirs, distribution ratio, distribution method and settlement date. The judgment module is used to determine the validity of the testator's information; The calculation module is used to calculate the detailed asset inheritance allocation based on the allocation rule information when the validity judgment is passed, and generate an electronic will to be verified. The verification module is used to send the electronic will to be verified to the asset management institution node and judicial organ node on the blockchain for verification. After the verification is successful, a valid electronic will is generated and sent to the blockchain network for on-chain processing.

9. A blockchain-based asset inheritance system, characterized in that, include: A generation module is used to generate a valid electronic will using the blockchain-based electronic will generation system according to claim 8; A response module is configured to convert the valid electronic will into an executable electronic will in response to the end of the life of the testator of the valid electronic will; The review module is used to send the electronic will to be executed to the asset management institution node and judicial organ node on the blockchain for review; The modification module is used to, after the review is approved, the asset management institution node to modify the ownership of the assets in the electronic will to be executed according to the testator information and allocation rules information, thereby completing the asset inheritance.

10. An electronic device, comprising: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors execute the blockchain-based electronic will generation method according to any one of claims 1 to 6.

11. A computer-readable storage medium having stored executable instructions thereon, which, when executed by a processor, cause the processor to perform the blockchain-based electronic will generation method according to any one of claims 1 to 6.

12. A computer program product comprising a computer program that, when executed by a processor, implements the blockchain-based electronic will generation method according to any one of claims 1 to 6.

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