Data processing method, device, system, equipment, storage medium and product

Abstract

The present application provides a data processing method, apparatus, system, device, storage medium, and product, relating to the field of financial technology or other related fields. The method comprises: storing transaction data corresponding to each transaction product in a transaction system and credit data of each user in a bank database in a blockchain; upon obtaining user application data, reviewing the user information indicated in the application data based on the credit data via the blockchain; determining the credit limit after the review is passed; determining the real-time status and pledgeable amount of the transaction product based on the transaction data; generating loan data; disbursing the loan after confirmation; and monitoring the real-time pledgeable amount of the transaction product via the blockchain in real time after the disbursement is successful. The transaction product and financing business are regulated based on the warning and disposal lines indicated by the real-time pledgeable amount and the loan data. The method of the present application improves data processing efficiency and further enhances the management efficiency and regulation accuracy of financing business.

Description

Technical Field

[0001] This application relates to the field of financial technology or other related fields, and in particular to a data processing method, device, system, equipment, storage medium and product. Background Art

[0002] Currently, companies trade commodities such as precious metals and coal on commodity trading systems, including the Shanghai Futures Exchange and the Dalian Commodity Exchange.

[0003] In the existing technology, an enterprise's corporate data is stored in the enterprise's internal system, the enterprise's cash flow data is stored in the bank's internal system, and the transaction system stores the transaction data of each product of each enterprise. When an enterprise needs to conduct a financing transaction, it sends a request to the bank's internal system through the enterprise's internal system. After receiving the request, the bank's internal system reviews the enterprise's request based on the relevant cash flow data of the enterprise in the bank's internal system and the transaction data of the products related to this application in the transaction system. After the review is passed, the bank will allocate funds to the enterprise. Throughout the process, the transaction is regulated based on the repayment time and the real-time changing value of the product.

[0004] However, in the existing technology, banks do not obtain data on real-time changes in enterprises and transaction systems in a timely manner, resulting in low data processing efficiency, and transaction regulation is performed based on lagged data, which reduces the accuracy of transaction regulation. Summary of the Invention

[0005] The present application provides a data processing method, apparatus, system, equipment, storage medium and product for improving the accuracy and efficiency of transaction regulation, and improving the accuracy and efficiency of handling financing-related business.

[0006] In a first aspect, the present application provides a data processing method, comprising:

[0007] Obtain the user's application data and store it on the blockchain. The application data includes user information and transaction products. Based on the user information, conduct user review through the blockchain and bank database, and determine the user's corresponding credit limit based on the user review results. The bank database is used to support the acquisition of the user's credit data and store the credit data on the blockchain. Transaction products include pledged products.

[0008] The blockchain and trading system conduct status audits on trading products to obtain real-time status, and based on this, generates loan data and sends it to the user terminal. The trading system is used to support the transaction data corresponding to the trading products and store the transaction data on the blockchain. The transaction data is used to determine the real-time status of the pledged products. The user terminal is used to confirm that the loan data is correct and generate a confirmation instruction. The loan data includes the loan amount, disbursement date, warning line, and disposal line.

[0009] In response to the confirmation instruction sent by the user terminal, obtain the loan data, and allocate the loan amount indicated by the loan data to the user according to the confirmation instruction. After confirming that the allocation is successful, generate allocation success information and store it on the blockchain;

[0010] The transaction products are monitored in real time through the blockchain and the transaction system, and the real-time pledgeable amount of the pledged products is determined based on the real-time monitoring results, and it is determined whether the real-time pledgeable amount is lower than the disposal line. When it is lower than the disposal line, the products are sold through the blockchain and the transaction system, wherein the transaction system responds to the product sale instruction and sells the pledged products according to the product sale instruction.

[0011] In a second aspect, the present application provides a data processing device, comprising:

[0012] The acquisition module is used to obtain the user's application data and store it on the blockchain. The application data includes user information and transaction products. Based on the user information, the user is reviewed through the blockchain and the bank database, and the corresponding credit limit of the user is determined based on the user review results. The bank database is used to support the acquisition of the user's credit data and store the credit data on the blockchain. The transaction products include pledged products.

[0013] The processing module is used to review the status of trading products through the blockchain and the trading system to obtain real-time status, generate loan data based on the real-time status, and send it to the user terminal. The trading system is used to support the transaction data corresponding to the trading products and store the transaction data on the blockchain. The transaction data is used to determine the real-time status of the pledged products. The user terminal is used to confirm that the loan data is correct and generate a confirmation instruction. The loan data includes the loan amount, disbursement date, warning line, and disposal line.

[0014] The processing module is further configured to respond to a confirmation instruction sent by the user terminal, obtain loan data, and allocate the loan amount indicated by the loan data to the user according to the confirmation instruction, and generate allocation success information after determining that the allocation is successful and store it on the blockchain;

[0015] The processing module is also used to monitor the transaction products in real time through the blockchain and the transaction system, determine the real-time pledgeable amount of the pledged product based on the real-time monitoring results, and determine whether the real-time pledgeable amount is lower than the disposal line. When it is lower than the disposal line, the product is sold through the blockchain and the transaction system, wherein the transaction system responds to the product sale instruction and sells the pledged product according to the product sale instruction.

[0016] In a third aspect, the present application provides a financing management system, comprising: a management unit, a blockchain, a user terminal, a bank database, and a transaction system, wherein the management unit is used to execute any method of the first aspect.

[0017] In a fourth aspect, the present application provides an electronic device, comprising: a processor, and a memory communicatively connected to the processor;

[0018] Memory stores computer-executable instructions;

[0019] The processor executes the computer-executable instructions stored in the memory to implement any method of the first aspect.

[0020] In a fifth aspect, the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement any method as in the first aspect.

[0021] In a sixth aspect, the present application provides a computer program product, comprising a computer program, which implements the method of any one of the first aspects when executed by a processor.

[0022] The data processing method, apparatus, system, equipment, storage medium and product provided by the present application store the transaction data corresponding to each transaction product in the transaction system into a blockchain, and store the credit data of each user in the bank database into the blockchain. Then, when obtaining user application data, the credit data of the application data is determined through the blockchain and the user is reviewed. After the review is passed, the credit limit is determined, and the transaction data corresponding to the transaction product indicated by the application data is determined through the blockchain. The real-time status and the pledgeable amount of the transaction product are determined based on the transaction data, and loan data is generated. The loan data is transmitted to the user terminal through the blockchain, and the loan amount is allocated after confirmation from the user terminal. After successful allocation, the real-time pledgeable amount of the transaction product is monitored in real time through the blockchain, and the transaction product and financing business are regulated according to the changing real-time pledgeable amount and the warning line and disposal line indicated by the loan data. Therefore, this application provides the transaction data of each transaction product in the transaction system to the blockchain, and provides the credit data related to the user in the bank database to the blockchain. Based on the characteristics of the blockchain, it ensures data security while achieving timely acquisition and processing of data, improving data processing efficiency, further improving the efficiency of financing business management, and improving the accuracy of regulation and control of financing business and transaction products through the timeliness of data acquisition. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0024] Figure 1 A schematic diagram of a scenario of a data processing method provided in an embodiment of the present application;

[0025] Figure 2 A flowchart of a data processing method provided in an embodiment of the present application;

[0026] Figure 3 A flowchart of a data processing method provided in yet another embodiment of the present application;

[0027] Figure 4 A schematic diagram of the structure of a data processing device provided in an embodiment of the present application;

[0028] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0029] The above drawings illustrate specific embodiments of the present application, which will be described in more detail below. These drawings and the textual description are not intended to limit the scope of the present application in any way, but rather to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments. DETAILED DESCRIPTION

[0030] Exemplary embodiments will be described in detail herein, with examples illustrated in the accompanying drawings. In the following description, when referring to the drawings, identical numerals in different figures represent identical or similar elements, unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

[0031] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0032] In addition, this application involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.), and the use of artificial intelligence technology for automated decision-making, and a technical solution for making decisions that have a significant impact on personal rights and interests based on the results of automated decision-making. The application provides users with corresponding operation entrances for users to choose to agree or reject the results of automated decision-making; if the user chooses to reject, the expert decision-making process will be entered.

[0033] It should be noted that the data processing methods, devices, systems, equipment, storage media and products of the present application can be used in the field of financial technology or other related fields, and can also be used in any field other than the field of financial technology or other related fields. The application fields of the data processing methods, devices, systems, equipment, storage media and products of the present application are not limited.

[0034] Currently, users can conduct financing transactions in commodity trading markets by providing sufficient financial resources, property documentation, and credit ratings, and by providing funds through bank databases. Financing transactions can be conducted in two ways: buyer financing and seller financing. Buyer financing involves users obtaining funds through bank loans in the commodity trading market, using the funds to purchase commodities in the commodity trading market and pledging the purchased commodities to the bank. Seller financing involves users pledging their commodities to the bank to obtain loan funds. Commodity trading markets include precious metals and coal, such as those on the Shanghai Futures Exchange and the Shanghai Commodity Exchange.

[0035] In existing technology, enterprise data is stored in the enterprise's internal system. The transaction flow data generated by each enterprise through a bank is stored in the bank's internal system, and the transaction data generated by each enterprise's products participating in commodity trading markets is stored in the trading system. When any user needs financing, they send a request through the enterprise's internal system to the bank's internal system. After receiving the request, the bank's internal system searches for the enterprise's relevant transaction flow data in the internal system and verifies the enterprise's financing qualifications based on the transaction flow data. Once the qualification is verified, the bank sends a request to the trading system to obtain the transaction data of the transaction products related to the request in the trading system to verify whether the transaction products requested by the enterprise meet the financing conditions. After the review is passed, the company will be allocated funds. After the allocation, the financing is adjusted based on the repayment time and the real-time changing value of the products involved. Users include individuals and enterprises.

[0036] However, in the existing technology, the bank database needs to send a request to the transaction system to obtain the required data and make allocations, which easily reduces the efficiency of processing relevant data and further reduces the efficiency of financing business processing. After the bank database allocates funds to the user, it needs to obtain the dynamic data of the transaction product in the transaction system in real time to regulate the financing transaction based on the dynamic data. If the dynamic data is not obtained in a timely manner or the data is obtained later, and the transaction is regulated based on the lagging data, the regulation accuracy of the financing transaction is reduced and the regulation cost is increased.

[0037] This application enables a bank database to store each user's credit data on a blockchain, and a transaction system to store each product's transaction data on a blockchain. Upon receiving a user's application data, the application data is stored on the blockchain. The blockchain then audits the user based on the user information and credit data in the application data. Upon approval, the user's credit limit is determined, thereby determining the maximum amount that can be allocated to the user. The blockchain then determines the transaction data corresponding to the transaction product in the application data, audits the status of the transaction data to obtain a real-time status, and determines the pledgeable amount of the product when it is not frozen. Loan data is generated based on the required amount, transaction product, pledgeable amount, and credit limit indicated by the user information. Upon receiving a confirmation instruction from the user confirming the loan data is correct, the loan is allocated. Upon successful allocation, the transaction data of the transaction product is stored in real time on the blockchain, and the financing transaction corresponding to the application is terminated or maintained based on the real-time pledgeable amount. This improves the efficiency of financing transactions by improving data processing efficiency, and further increases the precision of financing transaction regulation by enhancing the timeliness of data acquisition.

[0038] The following uses the process from a user submitting a financing application to regulating the financing transaction as an example to illustrate the data processing method.

[0039] In practical applications, see Figure 1 As shown, Figure 1 Scenario diagram of the data processing method provided in the embodiment of the present application. The execution subject of the data processing method can be a management unit in a financing management system, which can be deployed in an electronic device or a banking system. The financing management system also includes a blockchain, a user terminal (e.g., an enterprise server), a bank database (e.g., a lending system) and a trading system (e.g., Shanghai Commodity Exchange). Among them, the blockchain includes multiple nodes, such as a bank database node, a trading system node and multiple user terminal nodes, each node stores a complete account book, which includes data shared by the bank database, the trading system and multiple user terminals.

[0040] Optionally, the bank database is deployed in the bank system.

[0041] Exemplarily, an enterprise sends a financing request to a management unit through an enterprise server. After receiving the financing request, the management unit obtains corresponding application data and determines the basic operating information of the enterprise, the transaction product pledged for the financing business, and the amount requested for allocation. The basic operating information of the enterprise is verified and reviewed with the credit data of the enterprise stored in the bank database through the blockchain. After the review is passed, the transaction data corresponding to the transaction product requested to be pledged for the financing business in the transaction data of each transaction product stored in the transaction system is determined. Based on the transaction data, it is determined whether the pledgeable amount of the transaction product exceeds the requested allocation amount. After it is determined that it exceeds, loan data is generated and fed back to the enterprise server for confirmation. After the management unit receives the confirmation instruction sent by the enterprise server, the loan amount is allocated to the user. After determining that the allocation is successful, the real-time transaction data of the transaction product stored in the transaction system is monitored through the blockchain. By determining the real-time pledgeable amount of the transaction product, a regulation strategy for the corresponding financing business is determined for the transaction product and the financing request. The financing transaction is regulated and the relevant transaction data and credit data are updated through data interaction with the management unit.

[0042] The data processing method provided in this application is intended to solve the above technical problems in the prior art.

[0043] The following specific embodiments describe in detail the technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0044] Figure 2 A flow chart of the data processing method provided in this application, such as Figure 2 As shown, this method is applied to Figure 1 In the application scenario shown, the method may include:

[0045] S201. Obtain the user's application data and store it on the blockchain. Perform user review through the blockchain and the bank database, and determine the user's corresponding credit limit based on the user review results.

[0046] More specifically, the management unit obtains the user's application data, which includes user information and transaction products, and stores it on the blockchain. Based on the user information, the management unit conducts a user review via the blockchain and the bank database, and determines the user's corresponding credit limit based on the review results. The bank database is used to support the acquisition of the user's credit data and store it on the blockchain.

[0047] Optionally, the management unit obtains application data sent by the user through the user terminal and stores the application data on the blockchain.

[0048] Optionally, the management unit causes the bank database to store the credit data of each user on the blockchain, and queries the credit data corresponding to the user information stored in the blockchain based on the user information in the application data through the blockchain, and determines the user's credit value based on the credit data. When the credit value is higher than the credit threshold, it is determined that the user can handle financing business, and the user's credit limit is determined based on the credit value through the blockchain; when the credit value is lower than the credit threshold, it is determined that the user cannot handle financing business. In response to the prompt information that the financing business cannot be handled, the management unit sends a prompt to the user terminal and stores the review result on the blockchain. Among them, the user information indicates the user's basic data and required amount, and the basic data includes the user's income source and status. Therefore, this application improves the accuracy of generating credit lines by timely obtaining real-time credit data of users.

[0049] Optionally, if the blockchain determines that the user has no history of default, the user is eligible for financing and the user's credit limit is determined based on the user's credit data. The user information indicates the amount of financing requested and the transaction product.

[0050] In a possible embodiment, when the management unit determines through blockchain that the credit limit of the pledged product is less than the user's required amount, it sends a prompt of insufficient credit value to the user terminal to remind the user to reduce the required amount in time.

[0051] Optionally, the trading product includes a pledge product.

[0052] Optionally, after obtaining the application data sent by the user terminal, the management unit determines the user information and transaction product based on the application data, and sends a second upload instruction to the bank database based on the user information, so that the bank database provides the credit data of the corresponding user, that is, stores the determined credit data in the blockchain; and also sends a third upload information to the transaction system based on the transaction product, so that the transaction system provides the transaction data of the corresponding transaction product, that is, stores the determined transaction data in the blockchain.

[0053] Optionally, before the management unit obtains the application data sent by the user terminal, it sends a first upload instruction to the bank database and the transaction system respectively, so that the bank database supports the provision of credit data of each user and stores the credit data of each user in the blockchain, and enables the transaction system to support the provision of transaction data of each transaction product and stores the transaction data of each transaction product in the blockchain.

[0054] Exemplarily, the transaction system stores each transaction product number, its affiliated enterprise, real-time value and / or pledge expiration date in the blockchain.

[0055] In one possible embodiment, the management unit obtains a financing request sent by the enterprise server, determines the enterprise's user information and transaction products through the blockchain, and determines the user's credit data provided by the bank database based on the user information. A credit value is generated based on the fact that the user has no default and the user's income is normal as indicated by the credit data, and determines that the user can apply for financing business based on the credit value being higher than the credit threshold of the financing business, and determines the maximum grant amount corresponding to the credit value based on the credit value.

[0056] S202: Perform status review through blockchain to obtain real-time status, generate loan data based on the real-time status, and send it to the user terminal.

[0057] More specifically, the management unit audits the status of the transaction product through the blockchain and the transaction system to obtain the real-time status, and generates loan data based on the real-time status and sends it to the user terminal, so that the user terminal can confirm whether the loan data is incorrect, and generates a confirmation instruction when the loan data is confirmed to be correct; wherein, the transaction system is used to support the transaction data corresponding to the transaction product, and stores the transaction data on the blockchain, and the transaction data is used to determine the real-time status of the pledged product; the loan data includes the loan amount, disbursement date, warning line and disposal line.

[0058] Optionally, the real-time status includes a frozen status and an unfrozen status. The frozen status indicates that the corresponding trading product has been used for pledge and is frozen by the trading system and cannot be used for pledge transactions again; the unfrozen status indicates that the corresponding trading product has not been used for pledge and is currently available for pledge transactions.

[0059] Optionally, when the pledged product is in an unfrozen state, the pledgeable amount of the pledged product is determined based on transaction data through the blockchain, and the user's loan amount is determined based on the credit line and the pledgeable amount through the blockchain, where the loan amount is lower than the credit line and the pledgeable amount. The disbursement date is determined based on user information through the blockchain, and a warning line and a disposal line are generated based on the loan amount and the disbursement date. The disposal line is the disposal amount of the pledged product agreed upon by the bank database and the user. If the pledgeable amount of the pledged product is lower than the disposal line, the user is instructed to list the pledged product for sale; the warning line is the warning amount of the pledged product agreed upon by the bank database and the user. If the pledgeable amount of the pledged product has fallen below the warning line and is below the disposal line, the user is instructed to repay the loan or replenish the collateral. This application determines the pledgeable amount based on the provided transaction data in real time based on the blockchain, improves the accuracy and timeliness of the generated pledgeable amount, and further improves the accuracy of the generated loan data.

[0060] In a possible embodiment, when the management unit determines through the blockchain that the pledged amount of the pledged product is less than the user's required amount, it sends a prompt to the user terminal that the pledged amount is insufficient, reminding the user to add pledged products or reduce the required amount in time.

[0061] In a possible embodiment, when the management unit determines through blockchain that the pledged amount of the pledged product is less than the user's required amount, it sends a prompt to the user terminal that the pledged amount is insufficient, so that the user can add pledged products or reduce the required amount in time.

[0062] Optionally, the loan maturity date and loan interest rate are determined based on the application data through blockchain, and loan data is generated and stored based on the transaction product number, loan maturity date, loan amount, loan interest rate, warning line and disposal line.

[0063] S203. Respond to the confirmation instruction sent by the user terminal, and allocate the loan amount indicated by the loan data to the user terminal according to the confirmation instruction. After determining that the allocation is successful, generate allocation success information and store it on the blockchain.

[0064] More specifically, the management unit responds to the confirmation instruction sent by the user terminal, obtains the loan data, and allocates the loan amount indicated by the loan data to the user according to the confirmation instruction. After determining that the allocation is successful, it generates allocation success information and stores it on the blockchain.

[0065] Optionally, the management unit obtains the loan data stored in the blockchain according to the confirmation instruction sent by the user terminal, and allocates funds to the user according to the disbursement date and loan amount indicated by the loan data.

[0066] Optionally, after obtaining the successful allocation prompt fed back by the user terminal, the management unit generates successful allocation information and stores it in the blockchain, thereby monitoring the financing transaction in real time through the blockchain based on the successful allocation information.

[0067] S204. Monitor the transaction products in real time through the blockchain. When it is determined based on the real-time monitoring results that the real-time pledgeable amount of the pledged products is lower than the disposal line, sell the products through the blockchain.

[0068] More specifically, the management unit monitors the trading products in real time through the blockchain and the trading system, determines the real-time pledgeable amount of the pledged products based on the real-time monitoring results, and determines whether the real-time pledgeable amount is lower than the disposal line. When it is lower than the disposal line, the product is sold through the blockchain and the trading system, wherein the trading system responds to the product sale instruction and sells the pledged product according to the product sale instruction.

[0069] In a possible embodiment, the trading system sells the pledged product in the trading market according to the product selling instructions fed back by the blockchain, and based on the real-time trading data of the pledged product.

[0070] Optionally, the management unit determines the real-time transaction data of the pledged product through the blockchain and the trading system, obtains historical transaction data of the pledged product during the threshold period, and determines the real-time pledgeable amount of the pledged product based on the real-time and historical transaction data. This application improves the accuracy of the real-time generated pledgeable amount and further enhances the precision of the financing business.

[0071] In a possible embodiment, the management unit user determines the real-time transaction data of the corresponding pledged product and the historical transaction data of the previous month provided by the transaction system through the blockchain, and analyzes the transaction data of the past month to generate the real-time pledgeable amount of the pledged product.

[0072] In a possible embodiment, when the management unit user determines through blockchain that the real-time pledgeable amount of a pledged product is lower than the warning line, the pledged product is added to the first monitoring list, and the real-time transaction data of the pledged product in the next week is obtained, and the real-time pledgeable amount of the pledged product is updated according to the real-time transaction data of the pledged product in the next week.

[0073] Optionally, when the real-time pledgeable amount is not lower than the disposal line, it is determined whether the real-time pledgeable amount is lower than the warning line. When it is lower than the warning line, the management unit responds to the added pledge product sent by the user terminal and determines the pledgeable amount of the added pledge product through the blockchain; wherein the user terminal is used to respond to the supplementary pledge instruction sent by the blockchain and determine the added pledge product according to the supplementary pledge instruction.

[0074] Optionally, based on user feedback on the added pledge product, the management unit determines whether the pledgeable amount of the added pledge product and the real-time pledgeable amount of the pledge product are lower than the disposal line, and when it is not lower than the disposal line, updates the pledge product based on the added pledge product to obtain the updated pledge product, and updates the real-time pledgeable amount of the updated pledge product in real time.

[0075] Optionally, when the real-time pledgeable amount is lower than the warning line, the management unit generates a repayment reminder message through the blockchain and sends it to the user terminal to remind the user terminal that the real-time pledgeable amount is insufficient, so that the user can generate a repayment instruction message through the user terminal according to the repayment reminder message to instruct the management unit on the next regulatory strategy for the transaction product.

[0076] In one possible embodiment, the management unit responds to the repayment instruction information sent by the user terminal, determines the repayment amount indicated by the user based on the repayment instruction information through the blockchain, and generates a repayment instruction based on the repayment amount, thereby responding to the repayment instruction fed back by the blockchain, and executing the repayment strategy according to the repayment instruction, and repaying the financing transaction through the user terminal.

[0077] Optionally, the loan data includes a repayment date.

[0078] In one possible embodiment, after determining that the allocation is successful, generating the allocation success information and storing it on the blockchain, the management unit determines the current date information through the blockchain, and determines whether the repayment date has been exceeded based on the current date information. When it is determined that the repayment date has been exceeded, it is determined whether the repayment instruction sent by the user terminal has been received, and when it is determined that the repayment instruction from the user terminal has not been received, an overdue mark is added to the user's transaction product through the blockchain, and when the time period for adding the overdue mark exceeds the time period indicated by the overdue threshold, a selling instruction is executed, that is, the corresponding transaction product is sold. This application generates different control strategies based on the disposal line, warning line and repayment date through the blockchain to improve the user experience.

[0079] In an embodiment of the present application, the management unit reviews the user's financing qualifications and determines the user's credit line based on the stored user information through the blockchain. After the review is passed, the transaction data stored in the blockchain is used to determine the pledgeable amount of the transaction product indicated by the user, thereby executing different strategies based on the pledgeable amount, credit line and required amount indicated by the user information. After the amount is successfully allocated, the real-time pledgeable amount of the pledged product is monitored in real time through the blockchain, and the corresponding strategy is promptly executed for the pledged product, thereby improving data processing efficiency, further improving the efficiency of regulating transaction products, and generating a regulation strategy that better matches the actual situation through timely obtained data to improve the accuracy of regulation.

[0080] Optionally, the management unit updates the user's credit limit based on the periodic threshold through the blockchain.

[0081] Optionally, the transaction product includes a purchased product, and the purchased product includes one or more pledged products.

[0082] Figure 3 A flowchart of a data processing method provided in another embodiment of the present application is shown in FIG. Figure 3 As shown, the management unit sends a storage instruction to the transaction system, the transaction system obtains the storage instruction and stores the transaction data corresponding to each transaction product in the blockchain according to the storage instruction; the management unit sends a storage instruction to the bank database, the bank database obtains the storage instruction and stores the credit data corresponding to each user in the blockchain according to the storage instruction.

[0083] The user sends application data of a financing request to the management unit through the user terminal. The management unit obtains the application data and stores the application data in the blockchain. The user information indicated by the application data is determined through the blockchain, and a user profile corresponding to the user information is established. The user is determined to be eligible for financing based on the credit data corresponding to the user information stored in the bank database, and the credit limit is determined based on the credit data when it is determined that the financing business can be processed. The purchase product indicated by the application data is also determined through the blockchain, and the real-time status of each pledged product is determined based on the transaction data corresponding to each pledged product indicated by the purchase product stored in the transaction system. The corresponding pledgeable amount is determined for the pledged product determined to be in a non-frozen state, and each pledged product corresponding to the pledgeable amount exceeding the required amount is determined based on the required amount indicated by the application data. The pledged products are sent to the user terminal, so that the user confirms the target pledged product through the user terminal and feeds back to the management unit. The management unit stores the target pledged product in the blockchain.

[0084] The blockchain determines the pledgeable amount based on the stored transaction data corresponding to the target pledge product. Upon verifying that the pledgeable amount is not less than the required amount, it generates loan data based on the target pledge product and feeds the loan data back to the management unit, which in turn sends the loan data to the user terminal. The user terminal confirms the information in the loan data and, upon confirmation, feeds back a confirmation instruction to the management unit, which determines the loan amount to be allocated on the disbursement date indicated by the loan data based on the confirmation instruction. After the loan amount is successfully allocated, the management unit monitors the real-time transaction data of the target pledge product in real time through the blockchain, determines the real-time pledgeable amount based on this real-time transaction data, and sends corresponding policies to the transaction system and bank database based on the relationship between the real-time pledgeable amount and the warning line and disposal line, thereby regulating and controlling financing business and pledge products.

[0085] It should be noted that the control method can be found in the above Figure 1 、 Figure 2 、 Figure 3 The specific execution steps are not repeated here.

[0086] This application determines the transaction data corresponding to multiple pledged products in the purchase products applied for by the user terminal on the blockchain, and promptly determines the real-time status and real-time pledgeable amount of each pledged product based on the transaction data, screens out pledged products that are not frozen and not less than the required amount, and feeds them back to the user terminal, so that the user can determine the target pledged product through the user terminal, and again reviews the real-time pledgeable amount of the target pledged product through the blockchain, and completes the loan allocation based on the result of the correct review, and monitors the target pledged product in real time, and promptly executes the matching regulation strategy for the target pledged product. Therefore, this application provides various data to the blockchain, ensures data security based on the characteristics of the blockchain, and accurately screens pledged products that can be pledged for users, thereby improving the efficiency of determining target pledged products and further improving the efficiency of financing business processing and user experience.

[0087] In a possible embodiment, when the user information of the user is determined based on the application data through the blockchain and the credit data corresponding to the user information is reviewed, if the user's credit data changes at this time, since the bank database has stored the credit data corresponding to each user in the blockchain, the changed credit data corresponding to the user is confirmed through the blockchain, and the user is reviewed based on the changed credit data, and subsequent steps are taken according to whether the user has financing qualifications based on the review results, thereby improving the accuracy of the user review results.

[0088] In one possible embodiment, after the user passes the review, the user's transaction product is determined based on the application data, and the status of the transaction product is reviewed. If the transaction data of the transaction product changes at this time, since the transaction system has stored the transaction data corresponding to each transaction product in the blockchain, the changed transaction data corresponding to the transaction product is confirmed through the blockchain, and the status review is performed based on the changed transaction data. Subsequent steps are performed based on whether the status review result is an unfrozen state, thereby improving the accuracy of the real-time status review results of the transaction product. If the real-time data of the transaction product changes again when the status is an unfrozen state, the changed transaction data corresponding to the transaction product is confirmed through the blockchain, and the real-time pledgeable amount corresponding to the transaction product is determined based on the changed transaction data. Subsequent steps are performed based on the real-time pledgeable amount, thereby improving the accuracy of the pledgeable amount.

[0089] In one possible embodiment, after the management unit executes the allocation to the user terminal, it obtains the dynamic transaction data of the transaction product stored in the transaction system in real time through the blockchain, and determines the real-time pledgeable amount of the transaction product based on the real-time transaction data, thereby enhancing the monitoring of the transaction product, and regulating the transaction product and / or the financing business corresponding to the transaction product based on the monitoring results, thereby improving the accuracy of the regulation.

[0090] In order to establish a strong trust relationship between multiple parties, solve the problem of public trust, and improve the financing business system, banks regard relevant users, trading markets, and banks as participants. The relevant information of the financing business is distributed on the corresponding nodes and broadcast to each node, thereby increasing the difficulty of data tampering and improving system security.

[0091] For example: After the management unit allocates the loan amount to the user, the trading system broadcasts the real-time transaction data of the trading product to each node of the blockchain. Each node of the blockchain calculates the real-time pledgeable amount based on the real-time transaction data, and verifies the calculation results of each node. After confirming that the calculation results are consistent, subsequent strategy formulation is based on the results.

[0092] Optionally, each user’s credit data, transaction data of transaction products, user’s confirmation instructions and other financing-related information are all uploaded to the chain to ensure the authenticity of the data.

[0093] In one possible embodiment, if there are issues with the transaction data of a traded product or the user's credit data, for example, if either party objects to the user's review or the real-time status of the traded product, they can submit a traceability request to the management unit through relevant devices (e.g., the user through a user terminal, the bank through a bank database, or the Shanghai Commodity Exchange through a trading system). The management unit will store the traceability request on various nodes in the blockchain. Each node in the blockchain will verify the user's review results or the real-time status of the traded product based on the traceability request, and send the verification results to the relevant devices. For example, the blockchain will send the verification results to the user terminal, the bank database, or the trading system, so that the user can view the verification results through the user terminal, the bank can view the verification results through the bank database, or the Shanghai Commodity Exchange can view the verification results through the trading system. This ensures the openness and transparency of the transaction process and enhances the experience of all parties involved in the transaction.

[0094] In this application, the bank will build a blockchain platform to complete real-time supervision of user credit data and transaction data of transaction products, build a multi-party information sharing platform for relevant users, banks, and transaction markets, open up the information sharing link, build a multi-party trust mechanism, and further improve the processing efficiency and reliability of financing business.

[0095] The present application provides a financing management system, comprising: a management unit, a blockchain, a user terminal, a bank database and a transaction system, wherein the management unit is used to execute any method of the first aspect above.

[0096] The user terminal is used to confirm that the loan data is correct and generate a confirmation instruction; it is also used to respond to the supplementary pledge instruction sent by the blockchain and determine to add pledge products based on the supplementary pledge instruction; it is also used to generate repayment instruction information based on the repayment reminder information.

[0097] The bank database is used to support the acquisition of users' credit data and store the credit data on the blockchain.

[0098] The trading system is used to support transaction data corresponding to trading products and store the transaction data on the blockchain; it is also used to respond to product sales instructions and sell pledged products according to product sales instructions.

[0099] It should be noted that the implementation of the financing management system can refer to the above Figure 1 、 Figure 2 、 Figure 3 The specific execution steps are not repeated here.

[0100] In order to implement the data processing method, this embodiment provides a data processing device, see Figure 4 , Figure 4 This is a structural diagram of a data processing device provided in an embodiment of the present application; the data processing device includes: an acquisition module 401 and a processing module 402.

[0101] Acquisition module 401 is used to obtain user application data and store the application data on the blockchain. The application data includes user information and transaction products. Based on the user information, the user is reviewed through the blockchain and the bank database, and the corresponding credit limit of the user is determined based on the user review result. The bank database is used to support the acquisition of the user's credit data and store the credit data on the blockchain. The transaction products include pledged products.

[0102] Processing module 402 is used to review the status of the transaction product through the blockchain and the transaction system to obtain the real-time status, generate loan data based on the real-time status, and send it to the user terminal. The transaction system is used to support the transaction data corresponding to the transaction product and store the transaction data on the blockchain. The transaction data is used to determine the real-time status of the pledged product. The user terminal is used to confirm that the loan data is correct and generate a confirmation instruction. The loan data includes the loan amount, disbursement date, warning line, and disposal line.

[0103] Processing module 402 is further configured to, in response to a confirmation instruction sent by the user terminal, obtain loan data, and allocate the loan amount indicated by the loan data to the user according to the confirmation instruction. Upon determining that the allocation is successful, generate allocation success information and store it on the blockchain;

[0104] The processing module 402 is also used to monitor the transaction products in real time through the blockchain and the transaction system, determine the real-time pledgeable amount of the pledged product based on the real-time monitoring results, and determine whether the real-time pledgeable amount is lower than the disposal line. When it is lower than the disposal line, the product is sold through the blockchain and the transaction system, wherein the transaction system responds to the product sale instruction and sells the pledged product according to the product sale instruction.

[0105] Optionally, when the amount is not lower than the disposal line, the processing module 402 is further configured to determine through the blockchain whether the real-time pledgeable amount is lower than the warning line;

[0106] When the amount falls below the warning line, in response to a request to add a pledged product sent by the user terminal, the pledgeable amount of the added pledged product is determined through the blockchain; wherein the user terminal is used to respond to a supplementary pledge instruction sent by the blockchain and determine the additional pledged product according to the supplementary pledge instruction;

[0107] Determine whether the pledgeable amount of the added pledged product and the real-time pledgeable amount of the pledged product are below the disposal line;

[0108] When the amount is not lower than the disposal line, the pledge product is updated according to the added pledge product to obtain the updated pledge product, and the real-time pledgeable amount of the updated pledge product is updated in real time.

[0109] Optionally, when the amount is below the warning line, the processing module 402 is further configured to generate a repayment reminder message and send it to the user terminal, and the user terminal is configured to generate a repayment instruction message according to the repayment reminder message;

[0110] In response to the repayment instruction information, determining the repayment amount indicated by the user based on the repayment instruction information through the blockchain, and generating a repayment instruction based on the repayment amount;

[0111] Respond to the repayment instruction and make repayment according to the repayment instruction.

[0112] Optionally, the processing module 402 is further configured to determine the pledgeable amount of the pledged product based on transaction data through the blockchain when the pledged product is in an unfrozen state;

[0113] Through blockchain, the user's loan amount is determined based on the credit limit and the pledgeable amount, and the disbursement date is determined based on the user information; and warning lines and disposal lines are generated based on the loan amount and disbursement date.

[0114] Optionally, the loan data includes a repayment date. After determining that the loan has been successfully disbursed, after generating disbursement success information and storing it on the blockchain, the processing module 402 is further configured to determine the current date information through the blockchain, and determine whether the repayment date has expired based on the current date information;

[0115] When it is determined that the repayment date has exceeded and no repayment instruction has been received from the user terminal, an overdue mark will be added to the user's transaction product through the blockchain, and the transaction product will be sold when the overdue threshold is exceeded.

[0116] Optionally, the acquisition module 401 is further configured to query credit data corresponding to the user information through the blockchain based on the user information, and determine the user's credit value based on the credit data;

[0117] When the credit value is higher than the credit threshold, the user is determined to be eligible for financing services, and the user's credit limit is determined based on the credit value through the blockchain.

[0118] Optionally, the processing module 402 is further configured to determine real-time transaction data of the pledged product through the blockchain and the transaction system, and obtain historical transaction data of the pledged product within a threshold period;

[0119] The real-time pledgeable amount of the pledged product is determined based on real-time transaction data and historical transaction data.

[0120] like Figure 5 As shown, an embodiment of the present application provides an electronic device 500, which includes a processor 501 and a memory 502 communicatively connected to the processor.

[0121] The memory 502 is used to store computer instructions executable by the processor;

[0122] The processor 501 implements each step of the method in the above embodiment when executing the computer instructions. For details, please refer to the relevant description in the above method embodiment.

[0123] Optionally, the processor 501 can be independent or integrated with the memory 502. When the processor 501 is independent, the electronic device further includes a bus for connecting the processor 501 and the memory 502.

[0124] An embodiment of the present application further provides a computer-readable storage medium, in which computer instructions are stored. When a processor executes the computer instructions, each step of the method in the above embodiment is implemented.

[0125] An embodiment of the present application further provides a computer program product, including computer instructions, which, when executed by a processor, implement the various steps of the method in the above embodiment.

[0126] It should be noted that for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that this application is not limited by the order of the actions described, because according to this application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in this specification are all optional embodiments, and the actions and modules involved are not necessarily required by this application.

[0127] It should be further noted that, although the various steps in the flowchart are shown in sequence as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps may be performed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily performed at the same time, but may be performed at different times. The execution order of these sub-steps or stages is not necessarily to be performed in sequence, but may be performed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0128] It should be understood that the above-described device embodiments are merely illustrative, and the device of the present application may also be implemented in other ways. For example, the division of units / modules in the above-described embodiments is merely a logical functional division, and actual implementations may employ other division methods. For example, multiple units, modules, or components may be combined or integrated into another system, or some features may be omitted or not implemented.

[0129] In addition, unless otherwise specified, the functional units / modules in the various embodiments of the present application may be integrated into a single unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The aforementioned integrated units / modules may be implemented in the form of hardware or software program modules.

[0130] If the integrated unit / module is implemented in hardware, the hardware may be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor may be any appropriate hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC. Unless otherwise specified, the storage unit may be any appropriate magnetic storage medium or magneto-optical storage medium, such as resistive random access memory (RRAM), dynamic random access memory (DRAM), static random access memory (SRAM), enhanced dynamic random access memory (EDRAM), high-bandwidth memory (HBM), hybrid memory cube (HMC), etc.

[0131] If the integrated unit / module is implemented in the form of a software program module and sold or used as an independent product, it can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application, 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, which is stored in a memory and includes a number of instructions for enabling a computer device (which can be a personal computer, server or network device, etc.) to execute all or part of the steps of the various embodiments of the present application. The aforementioned memory includes various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0132] In the above embodiments, the description of each embodiment has its own emphasis. For parts not described in detail in a particular embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined in any way. To keep the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0133] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present application that follow the general principles of the present application and include common knowledge or customary techniques in the art not disclosed herein. The description and examples are to be considered as exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0134] It should be understood that the present application is not limited to the exact structure described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A data processing method, characterized in that: The method comprises: Obtaining user application data and storing the application data on the blockchain, the application data including user information and transaction products; conducting a user review based on the user information through the blockchain and a bank database, and determining a credit limit corresponding to the user based on the user review result; wherein the bank database is used to support obtaining the user's credit data and storing the credit data on the blockchain, and the transaction products include pledged products; The transaction product is audited through the blockchain and the transaction system to obtain a real-time status, and loan data is generated based on the real-time status and sent to the user terminal; wherein the transaction system is used to support the transaction data corresponding to the transaction product and store the transaction data on the blockchain, and the transaction data is used to determine the real-time status of the pledged product; the user terminal is used to confirm that the loan data is correct and generate a confirmation instruction; the loan data includes the loan amount, disbursement date, warning line, and disposal line; In response to the confirmation instruction sent by the user terminal, obtaining the loan data, and allocating the loan amount indicated by the loan data to the user according to the confirmation instruction, and generating and storing an allocation success message on the blockchain after determining that the allocation is successful; monitoring the transaction product in real time through the blockchain and the transaction system, determining the real-time pledgeable amount of the pledged product based on the real-time monitoring result, and determining whether the real-time pledgeable amount is lower than the disposal line; when the amount is lower than the disposal line, selling the product through the blockchain and the transaction system, wherein the transaction system responds to the product sale instruction and sells the pledged product according to the product sale instruction; When not below the said disposal line, including: Determining, through the blockchain, whether the real-time pledgeable amount is lower than the warning line; When the amount falls below the warning line, in response to a request for adding a pledged product sent by the user terminal, the pledgeable amount of the added pledged product is determined through the blockchain; wherein the user terminal is configured to respond to a supplementary pledge instruction sent by the blockchain and determine the added pledged product according to the supplementary pledge instruction; Determine whether the pledgeable amount of the added pledged product and the real-time pledgeable amount of the pledged product are lower than the disposal line; When the amount is not lower than the disposal line, the pledge product is updated according to the added pledge product to obtain an updated pledge product, and the real-time pledgeable amount of the updated pledge product is updated in real time.

2. The method according to claim 1, characterized in that When the pressure falls below the warning line, the method includes: generating repayment reminder information and sending it to the user terminal, wherein the user terminal is configured to generate repayment instruction information according to the repayment reminder information; In response to the repayment instruction information, determining, through the blockchain, a repayment amount indicated by the user based on the repayment instruction information, and generating a repayment instruction based on the repayment amount; Respond to the repayment instruction and make repayment according to the repayment instruction.

3. The method according to claim 1, characterized in that Generating loan data based on the real-time status through the blockchain, including: When the pledged product is in an unfrozen state, the pledgeable amount of the pledged product is determined based on the transaction data through the blockchain; The user's loan amount is determined through blockchain based on the credit line and the pledgeable amount, and the disbursement date is determined based on the user information; and a warning line and a disposal line are generated based on the loan amount and the disbursement date.

4. The method according to claim 3, characterized in that The loan data includes a repayment date. After determining that the loan has been successfully allocated, a successful allocation information is generated and stored on the blockchain. The method includes: Determining current date information through the blockchain, and determining whether the repayment date has expired based on the current date information; When it is determined that the repayment date has expired and it is determined that no repayment instruction has been received from the user terminal, an overdue mark is added to the transaction product of the user through the blockchain, and the transaction product is sold when the overdue threshold is exceeded.

5. The method according to any one of claims 1 to 4, characterized in that Conducting user review through the blockchain and the bank database, and determining the credit limit corresponding to the user based on the user review result, including: Based on the user information, query the credit data corresponding to the user information through the blockchain, and determine the credit value of the user based on the credit data; When the credit value is higher than the credit threshold, it is determined that the user can handle financing business, and the credit limit of the user is determined according to the credit value through the blockchain.

6. The method according to any one of claims 1 to 4, characterized in that The transaction product is monitored in real time through the blockchain and the transaction system, and the real-time pledgeable amount of the pledge product is determined based on the real-time monitoring results, including: Determine the real-time transaction data of the pledged product through the blockchain and the trading system, and obtain historical transaction data of the pledged product within a threshold period; The real-time pledgeable amount of the pledged product is determined based on the real-time transaction data and the historical transaction data.

7. A data processing device, characterized in that: The device comprises: An acquisition module is configured to acquire user application data and store the application data on the blockchain, the application data including user information and transaction products; conduct user review based on the user information through the blockchain and a bank database, and determine the user's corresponding credit limit based on the user review result; wherein the bank database is configured to support acquisition of the user's credit data and store the credit data on the blockchain, and the transaction products include pledged products; A processing module is configured to audit the status of the transaction product through the blockchain and the transaction system to obtain a real-time status, generate loan data based on the real-time status, and transmit the data to the user terminal; wherein the transaction system is configured to support transaction data corresponding to the transaction product and store the transaction data on the blockchain, and the transaction data is used to determine the real-time status of the pledged product; the user terminal is configured to confirm that the loan data is correct and generate a confirmation instruction; the loan data includes the loan amount, disbursement date, warning line, and disposal line; The processing module is further configured to, in response to the confirmation instruction sent by the user terminal, obtain the loan data, allocate the loan amount indicated by the loan data to the user according to the confirmation instruction, and generate allocation success information and store it on the blockchain after determining that the allocation is successful; The processing module is further configured to monitor the transaction product in real time through the blockchain and the transaction system, determine the real-time pledgeable amount of the pledged product based on the real-time monitoring result, and determine whether the real-time pledgeable amount is lower than the disposal line. When the amount is lower than the disposal line, sell the product through the blockchain and the transaction system, wherein the transaction system responds to the product sale instruction and sells the pledged product according to the product sale instruction; The processing module, when the temperature is not lower than the disposal line, is used to: Determining, through the blockchain, whether the real-time pledgeable amount is lower than the warning line; When the amount falls below the warning line, in response to a request for adding a pledged product sent by the user terminal, the pledgeable amount of the added pledged product is determined through the blockchain; wherein the user terminal is configured to respond to a supplementary pledge instruction sent by the blockchain and determine the added pledged product according to the supplementary pledge instruction; Determine whether the pledgeable amount of the added pledged product and the real-time pledgeable amount of the pledged product are lower than the disposal line; When the amount is not lower than the disposal line, the pledge product is updated according to the added pledge product to obtain an updated pledge product, and the real-time pledgeable amount of the updated pledge product is updated in real time.

8. A financing management system, characterized in that: include: A management unit, a blockchain, a user terminal, a bank database, and a transaction system, wherein the management unit is used to execute the method described in any one of claims 1 to 6.

9. An electronic device, characterized in that: include: a processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 6.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 6 when executed by a processor.

11. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 6 when being executed by a processor.

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