A data processing method and related equipment based on smart contracts

Abstract

The present invention provides a data processing method and related equipment based on smart contracts, which are applied to the field of blockchain data processing technology. Data processing can be performed based on smart contracts. Smart contracts are personalized contracts jointly formulated by the customers and target parties of financial products based on specific needs. The adjustment information, trigger conditions, source data types, and indicator data types contained therein are personalized, controllable, and knowable to the customers and target parties. This application can collect personalized data of financial products and calculate personalized indicator data, and then generate instructions when the indicator data meets the trigger conditions. These collection, calculation, condition judgment, and instruction generation processes are all consistent with smart contracts, improving the credibility of the data processing process of financial products, and also improving the credibility of the collected data and the calculated indicator data.

Description

Technical Field

[0001] The present invention belongs to the field of blockchain data processing technology, and in particular relates to a data processing method based on smart contracts and related equipment. Background Art

[0002] The data of financial products such as stocks, funds, and bonds are complex and diverse, so it is particularly important to process the data of financial products.

[0003] Currently, data on a series of financial products is generally provided by agents or third-party websites. After receiving this data, customers choose financial products based on their own processing methods and risk tolerance.

[0004] However, the data on a series of financial products provided by agents or third-party websites are relatively fixed, and the source and processing methods of these data are often subject to multiple factors. These data are often uncontrollable and unknowable. Summary of the Invention

[0005] In view of the above problems, this application proposes a data processing method and related equipment based on smart contracts to solve the problem that the data of financial products is relatively fixed, uncontrollable and unknowable. The specific solution is as follows:

[0006] A data processing method based on a smart contract, applied to an application server, comprising:

[0007] Obtaining a smart contract from the blockchain, the smart contract carrying adjustment information, trigger conditions, source data type, and indicator data type. The smart contract is a personalized smart contract jointly signed between the client and the target party based on needs. The target party includes at least one of a bank and an insurance company.

[0008] Collecting data of financial products corresponding to the source data type from a network server, where the data of the financial products on the network server is obtained from the blockchain by a smart gateway and sent to the network server after aggregation;

[0009] Calculating the data of the financial product to obtain indicator data corresponding to the indicator data type;

[0010] Determine whether the indicator data meets the trigger condition. If so, generate an instruction for adjusting at least one data of the financial product based on the adjustment information, and send the instruction to a target device, which includes a bank-side device and / or an insurance company-side device.

[0011] Optionally, the data of the financial product includes periodic rate of return, compound rate of return, excess periodic rate of return, periodic drawdown rate and market value fluctuation; the indicator data includes investment additional performance indicator and investment redemption performance indicator;

[0012] The calculating the data of the financial product to obtain indicator data corresponding to the indicator data type includes:

[0013] Calculate the stage rate of return, the compound rate of return, and the excess stage rate of return according to a preset first calculation formula to obtain an investment additional performance indicator;

[0014] The investment additional performance indicator, the stage drawdown rate and the market value fluctuation are calculated according to a preset second calculation formula to obtain an investment redemption performance indicator.

[0015] Optionally, the smart contract is a personalized first smart contract jointly signed between the customer and the bank based on the first requirement; the triggering condition of the first smart contract is a first triggering condition and a second triggering condition; the adjustment information includes first adjustment information and second adjustment information; and the instruction includes a first instruction and a second instruction;

[0016] The determining whether the indicator data satisfies the trigger condition, and if so, generating an instruction for adjusting at least one data of the financial product based on the adjustment information, and sending the instruction to a target device, the target device including a bank-side device and / or an insurance company-side device, including:

[0017] determining whether the additional investment performance indicator and the investment redemption performance indicator meet the first trigger condition; if so, generating a first instruction for controlling at least one data of the financial product based on the first adjustment information, and sending the first instruction to a bank-side device, the first instruction being used to instruct a gradual reduction in the additional investment amount of the financial product according to a preset additional investment strategy;

[0018] Determine whether the investment redemption performance indicator meets the second trigger condition. If so, generate a second instruction for controlling at least one data of the financial product based on the second adjustment information, and send the second instruction to the bank-side device. The second instruction is used to instruct to gradually increase the redemption investment amount of the financial product according to a preset investment redemption strategy.

[0019] Optionally, the indicator data includes a return amount indicator, the smart contract is a personalized second smart contract jointly signed between the customer and the insurance company based on a second requirement, the triggering condition of the second smart contract is a third triggering condition, the adjustment information includes third adjustment information, and the instruction includes a third instruction;

[0020] The determining whether the indicator data satisfies the trigger condition, and if so, generating an instruction for adjusting at least one data of the financial product based on the adjustment information, and sending the instruction to a target device, the target device including a bank-side device and / or an insurance company-side device, including:

[0021] Determine whether the return amount indicator meets the third trigger condition. If so, generate a third instruction for controlling at least one data of the financial product based on the third adjustment information, and send the third instruction to the insurance company side device. The third instruction is used to instruct compensation according to the preset compensation amount.

[0022] Optionally, the method further includes:

[0023] Determining whether all instructions corresponding to the adjustment information of the smart contract have been executed;

[0024] If all instructions corresponding to the adjustment information of the smart contract have been executed, a completed mark is added to the smart contract and the smart contract is removed from the blockchain;

[0025] If all instructions corresponding to the adjustment information of the smart contract have not been executed, an unfinished mark is added to the smart contract and waits in the blockchain.

[0026] A data processing device based on a smart contract, applied to an application server, comprising:

[0027] an acquisition unit, configured to acquire a smart contract from a blockchain, wherein the smart contract carries adjustment information, trigger conditions, source data type, and indicator data type, wherein the smart contract is a personalized smart contract jointly signed between a client and a target party based on demand, wherein the target party includes at least one of a bank and an insurance company;

[0028] a collection unit, configured to collect data of financial products corresponding to the source data type from a network server, wherein the data of the financial products on the network server is obtained from the blockchain by an intelligent gateway and sent to the network server after aggregation;

[0029] a calculation unit, configured to calculate the data of the financial product to obtain indicator data corresponding to the indicator data type;

[0030] A generating unit is used to determine whether the indicator data meets the trigger condition. If so, an instruction for adjusting at least one data of the financial product is generated based on the adjustment information, and the instruction is sent to a target device, which includes a bank-side device and / or an insurance company-side device.

[0031] Optionally, the data of the financial product includes periodic rate of return, compound rate of return, excess periodic rate of return, periodic drawdown rate and market value fluctuation; the indicator data includes investment additional performance indicator and investment redemption performance indicator;

[0032] The computing unit comprises:

[0033] A first calculation subunit is configured to calculate the stage rate of return, the compound rate of return, and the excess stage rate of return according to a preset first calculation formula to obtain an additional investment performance indicator;

[0034] The second calculation sub-unit is used to calculate the investment additional performance indicator, the stage drawdown rate and the market value fluctuation according to a preset second calculation formula to obtain the investment redemption performance indicator.

[0035] A data processing device based on a smart contract, comprising a memory and a processor;

[0036] The memory is used to store programs;

[0037] The processor is used to execute the program to implement each step of the smart contract-based data processing method described above.

[0038] A readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the computer program implements the steps of any of the above-mentioned smart contract-based data processing methods.

[0039] A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the computer program implements the steps of any of the above-mentioned smart contract-based data processing methods.

[0040] Based on the above technical solution, the present invention provides a data processing method and related equipment based on smart contracts, which can perform data processing based on smart contracts. Smart contracts are personalized contracts jointly formulated by the customers and target parties of financial products based on specific needs. The adjustment information, trigger conditions, source data types, and indicator data types contained therein are personalized, controllable, and knowable to the customers and target parties. This application can collect personalized data of financial products and calculate personalized indicator data, and then generate instructions when the indicator data meets the trigger conditions. These collection, calculation, condition judgment, and instruction generation processes are all consistent with smart contracts, which improves the credibility of the data processing process of financial products and also improves the credibility of the collected data and the calculated indicator data. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Various other advantages and benefits will become apparent to those skilled in the art upon reading the detailed description of the preferred embodiment below. The accompanying drawings are for illustration purposes only and are not to be considered as limiting the present application. The same reference symbols are used throughout the drawings to represent the same components. In the drawings:

[0042] Figure 1 A flowchart of a data processing method based on a smart contract disclosed in an embodiment of the present application;

[0043] Figure 2 A schematic diagram of data flow of a financial product disclosed in an embodiment of the present application;

[0044] Figure 3 This is a schematic diagram of the structure of a data processing device based on a smart contract disclosed in an embodiment of the present application;

[0045] Figure 4 This is a hardware structure block diagram of a smart contract-based data processing device disclosed in an embodiment of the present application. DETAILED DESCRIPTION

[0046] It should be noted that the smart contract-based data processing method and related equipment provided by the present invention can be used in the fields of big data or finance. The above is only an example and does not limit the application areas of the smart contract-based data processing method and related equipment provided by the present invention.

[0047] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of the present invention.

[0048] The terms "first," "second," and the like in the specification and claims of the present invention and the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a particular order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate and are merely a means of distinguishing objects of the same nature when describing embodiments of the present invention. In addition, the terms "including," "comprising," and "having," and any variations thereof, are intended to cover non-exclusive inclusions, such that a process, method, system, product, or apparatus comprising a list of elements is not necessarily limited to those elements but may include other elements not expressly listed or inherent to those processes, methods, products, or apparatuses.

[0049] In order to solve the problem that the data of financial products is relatively fixed, uncontrollable and unknowable, the present application provides a data processing method based on smart contracts. The data processing method based on smart contracts provided by the present application is further described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0050] Please see the attached Figure 1 , Figure 1 This is a flow chart of a data processing method based on smart contracts provided in an embodiment of the present application. The method is applied to an application server and may include the following steps:

[0051] Step S101: Obtain a smart contract from the blockchain. The smart contract carries adjustment information, trigger conditions, source data type, and indicator data type. The smart contract is a personalized smart contract signed between the client and the target party based on demand. The target party includes at least one of a bank and an insurance company.

[0052] In this application, the client and the target party can jointly agree on specific commitments, including adjustment information, trigger conditions, source data types and indicator data types, and realize them electronically through programming languages. The client and the target party use their respective private keys to sign, and the commitments are disseminated through the P2P network and stored in the blockchain.

[0053] Specifically, banks , insurance companies and customers The three parties can agree on a period Targeted financial products Develop partnerships and sign smart contracts At the same time, banks and investment clients The first smart contract can be signed Insurance companies and investment clients A second smart contract can be signed .

[0054] in, The bank, insurance company and investment client agree to The three parties shall have the rights and obligations within the The details are confirmed and their respective private keys on the blockchain are used Sign to ensure the validity of the contract.

[0055] The basic algorithmic logic of the smart contract signed by the bank, insurance company and investment client can be referenced as follows:

[0056]

[0057] ;

[0058] ;

[0059]

[0060]

[0061]

[0062]

[0063] ;

[0064] ;

[0065] The bank provides a package of financial products. If the customer chooses to buy a financial product The bank and the insurance company jointly initiate insurance demand on the blockchain. If the insurance company responds, the three parties reach a cooperation intention. At this time, the cooperation cycle of the three parties on financial products is set. and number of stage splits After that, the customer account will be transferred in one go. To bank digital currency as commission, of which, is the commission adjustment parameter; Is the number of shares of a financial product purchased; It is the market value of financial products, which is jointly determined by banks and insurance companies. and , and the insurance company will provide a deductible ,in is the deductible adjustment parameter; It is the deductible for the same financial product and gives the insured amount. The inventors of this application have found that It can also be used as a parameter for adjusting the insured amount; It is the insured amount of homogeneous financial products.

[0066] The first smart contract stipulates that when the financial product provided by the bank meets the first trigger condition After that, the customer makes additional investment funds to the bank; at the same time, it is agreed that when the financial products provided by the bank meet the second trigger condition After that, the customer redeems the existing funds from the bank, and both parties The details are confirmed and their respective private keys on the blockchain are used Sign to ensure the validity of the contract.

[0067] The second smart contract stipulates that the third trigger condition is met After that, the insurance company makes a claim to the customer and the two parties The details are confirmed and their respective private keys on the blockchain are used Sign to ensure the validity of the contract.

[0068] It should be noted that the basic algorithm logic of the first smart contract can be referred to as follows:

[0069]

[0070]

[0071] ;

[0072] ;

[0073] ;

[0074] ;

[0075]

[0076]

[0077] ;

[0078] ;

[0079] ;

[0080]

[0081] ;

[0082]

[0083]

[0084]

[0085]

[0086]

[0087] Under the terms of tripartite cooperation If the first trigger condition is met When the customer makes a new investment, the investment action will be triggered, and the customer will automatically transfer the money in his digital currency account to the bank digital currency investment account of the financial product, and record the number and amount of additional investment, and update the second smart contract with the insurance company based on the amount and product attributes. .

[0088] Under the terms of tripartite cooperation If the second trigger condition is met When the redemption of the investment amount is triggered, the bank will automatically transfer the money in the digital currency account under the financial product to the customer's digital currency personal account and record the number and amount of additional investment. , the insurance company automatically transfers the money in the digital currency account of the financial product to the customer's personal digital currency account.

[0089] Once the smart contract for this financial product ends, the customer will update the total amount of the bank's previous financial products. , and update the tripartite contract investment commission adjustment factor ,in is the number of investments; is the number of redemptions; is the redemption amount; is the total investment amount; It is the adjustment parameter of the investment commission adjustment factor, which will be used to sign a smart contract the next time the two parties cooperate.

[0090] It should be noted that the basic algorithm logic of the second smart contract can be referred to as follows:

[0091]

[0092]

[0093] ;

[0094] ;

[0095] ;

[0096]

[0097]

[0098]

[0099]

[0100] Under the terms of tripartite cooperation If the compensation conditions are met, When the compensation action is triggered, Automatically transfer the funds in the digital currency account under this financial product to A personal digital currency account that records the number and amount of additional compensation.

[0101] Once the smart contract for this financial product ends, the insurance company will update the total amount of compensation paid for all previous financial products with the bank. , and update the insured amount and deductible adjustment factor when the three parties sign the contract ,in, is the total amount of compensation paid; It is the average total amount of compensation for homogeneous financial products, which is used for signing smart contracts when the two parties cooperate next time. It is the average loss of homogeneous financial products.

[0102] Step S102: Collect data of financial products corresponding to the source data type from the network server. The data of financial products at the network server is obtained from the blockchain by the intelligent gateway and sent to the network server after aggregation.

[0103] It should be noted that the data of financial products include stage yield, compound yield, excess stage yield, stage drawdown rate and market value fluctuation.

[0104] In this application, the blockchain technology and digital currency payment system can be used to collect the capital flow data on the blockchain network through the intelligent gateway and transmit it to the network server at the same time, and then send it to the application server for data processing and indicator analysis, and finally store it on the chain for use in smart contracts. In addition, the behavioral data of customers and targets can also be recorded and processed after the smart contract is triggered and stored on the chain for use in signing subsequent smart contracts. For ease of understanding, you can refer to Figure 2 , Figure 2 A schematic diagram of the data flow of a financial product disclosed in an embodiment of the present application.

[0105] Specifically, in 、 、 Three parties in the cycle After the partnership is established, trigger We start collecting data on financial products from the blockchain at intervals of unit stages, and obtain the following basic performance indicators:

[0106] Stage rate of return: ,in and Respectively represent to

[0107] No. At this stage and The market value of assets, and ; This indicator represents the To The returns of financial products during this period.

[0108] Compound rate of return: , this indicator represents the 1st to this The compound returns of financial products at different stages.

[0109] Excess stage return: ,in Indicates the To The index yield rate within this period; this indicator can represent the financial product from the 1st to the this The profitability of the financial product in the current market at each stage.

[0110] Phase retracement rate: ,in and Respectively represent the 1st to this The highest and lowest asset market value within a period; this indicator can represent the risk level of the financial product.

[0111] Market capitalization fluctuations: ,in Indicates the To At this stage The market value of assets, Representation stage The average asset market value of this The market value stability of the financial product at each stage.

[0112] Step S103: Calculate the data of the financial product to obtain indicator data corresponding to the indicator data type.

[0113] It should be noted that the indicator data includes investment addition performance indicators and investment redemption performance indicators.

[0114] In this application, the total amount of stage, namely , The stage rate of return, compound rate of return and excess stage rate of return can be calculated according to the preset first calculation formula to obtain the investment additional performance index, and then the investment additional performance index, stage drawdown rate and market value fluctuation can be calculated according to the preset second calculation formula to obtain the investment redemption performance index.

[0115] Specifically, investment in additional performance indicators ,in ,and , Indicates the stage rate of return The weight factor, Represents compound rate of return The weight factor, Excess stage return The weight factor. Above threshold or below the threshold hour, Increase to , and Downgrade to and , truly reflects the financial products in the stage when the market encounters extreme conditions Performance at the end of the period; when the market hour, Downgrade to , and Increase to and , which truly reflects the financial products in a stable market state at the stage Performance at the end.

[0116] Investment Redemption Performance Indicators ,in ,and Much greater than . Indicates the stage retracement rate The weight factor, express The weight factor of .

[0117] Step S104: Determine whether the indicator data meets the trigger condition. If so, generate an instruction for adjusting at least one data of the financial product based on the adjustment information, and send the instruction to the target device, which includes a bank-side device and / or an insurance company-side device.

[0118] It should be noted that the adjustment information includes first adjustment information, second adjustment information, and third adjustment information, and the instruction includes first instruction, second instruction, and third instruction corresponding to the adjustment information. The indicator data includes a return amount indicator.

[0119] In the present application, a first smart contract is used to determine whether the investment additional performance indicator and the investment redemption performance indicator meet the first trigger condition. If so, a first instruction for controlling at least one data of the financial product is generated based on the first adjustment information, and the first instruction is sent to the bank-side device. The first instruction is used to instruct the gradual reduction of the additional investment amount of the financial product according to the preset investment additional strategy.

[0120] Specifically, the first trigger condition for: and , and Represents the investment additional performance index and investment redemption performance index of homogeneous financial products, and sets the investment additional strategy ,in It is the lowest threshold of market conditions; It is the current market conditions; It is an investment supplement performance indicator; It is an additional performance indicator for investment in homogeneous financial products; It is the benchmark amount for additional investment. By adjusting the previous parameters, it is possible to gradually reduce the additional investment amount when the market conditions gradually improve, and avoid chasing high prices.

[0121] For the first smart contract, it is determined whether the investment redemption performance indicator meets the second trigger condition. If so, a second instruction for controlling at least one data of the financial product is generated based on the second adjustment information, and the second instruction is sent to the bank-side device. The second instruction is used to instruct to gradually increase the redemption investment amount of the financial product according to the preset investment redemption strategy.

[0122] Specifically, the second trigger condition for: , and set investment redemption strategy ,in, It is the highest threshold of market conditions; It is an investment redemption performance indicator based on the current market value; It is a performance indicator for investment and redemption of homogeneous financial products; The redemption investment benchmark amount; It is the benchmark amount for redemption investment. By adjusting the preceding parameters, it is possible to gradually increase the redemption investment amount when the market conditions gradually become sluggish to avoid deep losses.

[0123] The second intelligent judgment determines whether the return amount indicator meets the third trigger condition. If so, a third instruction for controlling at least one data of the financial product is generated based on the third adjustment information, and the third instruction is sent to the insurance company side device. The third instruction is used to instruct compensation according to the preset compensation amount.

[0124] Specifically, the third trigger condition for: > ,in is the return amount indicator, is the deductible amount; at the same time, set the insurance company's compensation amount: ,in is the market value at redemption, yes The initial market value of the corresponding financial product when it was established. is the number of product shares held before redemption, is the compensation adjustment factor, and .

[0125] In summary, the present invention provides a data processing method based on smart contracts, which can perform data processing based on smart contracts. Smart contracts are personalized contracts jointly formulated by customers and target parties of financial products based on specific needs. The adjustment information, trigger conditions, source data types, and indicator data types contained therein are personalized, controllable, and knowable to customers and target parties. The present application can collect personalized data of financial products and calculate personalized indicator data, and then generate instructions when the indicator data meets the trigger conditions. These collection, calculation, condition judgment, and instruction generation processes are all consistent with smart contracts, which improves the credibility of the data processing process of financial products, and also improves the credibility of the collected data and the calculated indicator data.

[0126] Furthermore, the method may further comprise the steps of:

[0127] Step S105: Determine whether all instructions corresponding to the adjustment information of the smart contract have been executed.

[0128] In this application, smart contracts involving clients and targets in the blockchain can periodically check the state of the automaton and traverse the state machine, trigger conditions, and adjustment information contained in each contract one by one.

[0129] When all instructions corresponding to the adjustment information of the smart contract have been executed, step S106 is executed.

[0130] Step S106: Add a completed mark to the smart contract and remove it from the blockchain.

[0131] In this application, adjustments to smart contracts that meet trigger conditions can be pushed to a verification queue, awaiting consensus. When adjustments enter the latest round of verification, they are propagated to every node involved in the financial product for verification and consensus. Afterward, the adjustments are successfully executed and notified to the user. Once all adjustments included in the contract have been executed sequentially, the state machine marks the smart contract as completed and removes it from the latest block.

[0132] If all instructions corresponding to the adjustment information of the smart contract have not been executed, step S107 is executed.

[0133] Step S107: Add an unfinished mark to the smart contract and wait in the blockchain.

[0134] In this application, for adjustment information in the smart contract that does not meet the trigger conditions, the state machine will mark the status of the smart contract as incomplete, continue to save it in the latest block waiting for the next round of processing, and mark it as in progress until the processing is completed. The entire adjustment information and state machine processing are automatically completed by the smart contract built into the underlying blockchain.

[0135] In summary, this process helps ensure that the execution of smart contracts on the blockchain is reliable and orderly, while also optimizing the efficiency of blockchain usage and avoiding unnecessary storage overhead.

[0136] The method is described in detail in the embodiments disclosed in the above-mentioned present application. The method of the present application can be implemented using various forms of devices. Therefore, the present application also discloses a data processing device based on smart contracts, and specific embodiments are given below for detailed description.

[0137] Please see the attached Figure 3 , Figure 3 This is a schematic diagram of the structure of a data processing device based on a smart contract disclosed in an embodiment of the present application. The device is applied to an application server and includes:

[0138] The acquisition unit 11 is used to obtain a smart contract from the blockchain. The smart contract carries adjustment information, trigger conditions, source data type and indicator data type. The smart contract is a personalized smart contract signed between the client and the target party according to needs. The target party includes at least one of a bank and an insurance company.

[0139] The collection unit 12 is used to collect data of financial products corresponding to the source data type from the network server, where the data of the financial products at the network server is obtained from the blockchain by the intelligent gateway and sent to the network server after aggregation.

[0140] The calculation unit 13 is configured to calculate the data of the financial product to obtain indicator data corresponding to the indicator data type.

[0141] The generation unit 14 is used to determine whether the indicator data meets the trigger condition. If so, it generates an instruction for adjusting at least one data of the financial product based on the adjustment information, and sends the instruction to a target device, which includes a bank-side device and / or an insurance company-side device.

[0142] As an implementation method, the data of the financial product includes periodic rate of return, compound rate of return, excess periodic rate of return, periodic drawdown rate and market value fluctuation. The indicator data includes investment additional performance indicator and investment redemption performance indicator.

[0143] The calculation unit 13 includes:

[0144] The first calculation subunit is used to calculate the stage rate of return, the compound rate of return and the excess stage rate of return according to a preset first calculation formula to obtain an investment additional performance indicator.

[0145] The second calculation sub-unit is used to calculate the investment additional performance indicator, the stage drawdown rate and the market value fluctuation according to a preset second calculation formula to obtain the investment redemption performance indicator.

[0146] As an implementable embodiment, the smart contract is a personalized first smart contract jointly signed between the customer and the bank based on a first requirement, the triggering conditions of the first smart contract are a first triggering condition and a second triggering condition, the adjustment information includes first adjustment information and second adjustment information, and the instruction includes a first instruction and a second instruction;

[0147] The generating unit 14 includes:

[0148] The first generating sub-unit is used to determine whether the investment additional performance indicator and the investment redemption performance indicator meet the first trigger condition. If so, a first instruction for controlling at least one data of the financial product is generated based on the first adjustment information, and the first instruction is sent to the bank-side device. The first instruction is used to indicate that the additional investment amount of the financial product is gradually reduced according to a preset investment additional strategy.

[0149] The second generating sub-unit is used to determine whether the investment redemption performance indicator meets the second trigger condition. If so, a second instruction for controlling at least one data of the financial product is generated based on the second adjustment information, and the second instruction is sent to the bank-side device. The second instruction is used to instruct to gradually increase the redemption investment amount of the financial product according to a preset investment redemption strategy.

[0150] In one possible implementation method, the indicator data includes a return amount indicator, the smart contract is a personalized second smart contract jointly signed between the customer and the insurance company based on a second requirement, the triggering condition of the second smart contract is a third triggering condition, the adjustment information includes third adjustment information, and the instruction includes a third instruction;

[0151] The generating unit 14 includes:

[0152] The third generating sub-unit is used to determine whether the return amount indicator meets the third trigger condition. If so, a third instruction for controlling at least one data of the financial product is generated based on the third adjustment information, and the third instruction is sent to the insurance company side device. The third instruction is used to instruct compensation according to a preset compensation amount.

[0153] As an implementable embodiment, the device further includes:

[0154] A judgment unit is used to judge whether all instructions corresponding to the adjustment information of the smart contract have been executed.

[0155] a first marking unit, configured to add a completed mark to the smart contract and remove it from the blockchain if all instructions corresponding to the adjustment information of the smart contract have been executed;

[0156] The second marking unit is configured to add an unfinished mark to the smart contract and wait in the blockchain if all instructions corresponding to the adjustment information of the smart contract have not been executed.

[0157] Reference Figure 4 , Figure 4 A hardware structure block diagram of a data processing device based on a smart contract provided in an embodiment of the present application. The hardware structure of the data processing device based on a smart contract may include: at least one processor 1, at least one communication interface 2, at least one memory 3 and at least one communication bus 4.

[0158] In an embodiment of the present application, the number of processor 1 , communication interface 2 , memory 3 , and communication bus 4 is at least one, and the processor 1 , communication interface 2 , and memory 3 communicate with each other through the communication bus 4 .

[0159] The processor 1 may be a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present application.

[0160] The memory 3 may include a high-speed RAM memory, and may also include a non-volatile memory (non-volatile memory), for example, at least one disk memory.

[0161] The memory stores a program, and the processor can call the program stored in the memory, and the program is used to:

[0162] Obtaining a smart contract from the blockchain, the smart contract carrying adjustment information, trigger conditions, source data type, and indicator data type. The smart contract is a personalized smart contract jointly signed between the client and the target party based on needs. The target party includes at least one of a bank and an insurance company.

[0163] Collecting data of financial products corresponding to the source data type from a network server, where the data of the financial products on the network server is obtained from the blockchain by a smart gateway and sent to the network server after aggregation;

[0164] Calculating the data of the financial product to obtain indicator data corresponding to the indicator data type;

[0165] Determine whether the indicator data meets the trigger condition. If so, generate an instruction for adjusting at least one data of the financial product based on the adjustment information, and send the instruction to a target device, which includes a bank-side device and / or an insurance company-side device.

[0166] Optionally, the detailed and extended functions of the program can refer to the above description.

[0167] The present application also provides a readable storage medium, which may store a program suitable for execution by a processor, the program being used to:

[0168] Obtaining a smart contract from the blockchain, the smart contract carrying adjustment information, trigger conditions, source data type, and indicator data type. The smart contract is a personalized smart contract jointly signed between the client and the target party based on needs. The target party includes at least one of a bank and an insurance company.

[0169] Collecting data of financial products corresponding to the source data type from a network server, where the data of the financial products on the network server is obtained from the blockchain by a smart gateway and sent to the network server after aggregation;

[0170] Calculating the data of the financial product to obtain indicator data corresponding to the indicator data type;

[0171] Determine whether the indicator data meets the trigger condition. If so, generate an instruction for adjusting at least one data of the financial product based on the adjustment information, and send the instruction to a target device, which includes a bank-side device and / or an insurance company-side device.

[0172] Optionally, the detailed and extended functions of the program can refer to the above description.

[0173] An embodiment of the present application further provides a computer program product, which may store a program suitable for execution by a processor, the program being used to:

[0174] Obtaining a smart contract from the blockchain, the smart contract carrying adjustment information, trigger conditions, source data type, and indicator data type. The smart contract is a personalized smart contract jointly signed between the client and the target party based on needs. The target party includes at least one of a bank and an insurance company.

[0175] Collecting data of financial products corresponding to the source data type from a network server, where the data of the financial products on the network server is obtained from the blockchain by a smart gateway and sent to the network server after aggregation;

[0176] Calculating the data of the financial product to obtain indicator data corresponding to the indicator data type;

[0177] Determine whether the indicator data meets the trigger condition. If so, generate an instruction for adjusting at least one data of the financial product based on the adjustment information, and send the instruction to a target device, which includes a bank-side device and / or an insurance company-side device.

[0178] Optionally, the detailed and extended functions of the program can refer to the above description.

[0179] The various embodiments in this specification are described in a progressive manner, with each embodiment focusing on the differences from other embodiments. Reference can be made to the common and similar parts between the various embodiments. For the devices disclosed in the embodiments, since they correspond to the methods disclosed in the embodiments, the description is relatively simple, and the relevant parts can be referred to the method description.

[0180] It should also be noted that the device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed across multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the present embodiment. In addition, in the drawings of the device embodiments provided in this application, the connection relationship between the modules indicates that there is a communication connection between them, which may be specifically implemented as one or more communication buses or signal lines. A person of ordinary skill in the art can understand and implement the present invention without inventive work.

[0181] Through the above description of the embodiments, those skilled in the art will clearly understand that the present application can be implemented using software plus necessary general-purpose hardware. Of course, it can also be implemented using dedicated hardware, including application-specific integrated circuits, dedicated CPUs, dedicated memories, and dedicated components. Generally speaking, any function performed by a computer program can be easily implemented using corresponding hardware. Moreover, the specific hardware structures used to implement the same function can also be diverse, such as analog circuits, digital circuits, or dedicated circuits. However, for the present application, software program implementation is often the preferred implementation method. Based on this understanding, the technical solution of the present application, or the portion that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a readable storage medium, such as a computer floppy disk, USB flash drive, mobile hard disk, read-only memory (ROM), random access memory (RAM), magnetic disk, or optical disk, and includes a number of instructions for causing a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods of the various embodiments of the present application.

[0182] In summary, the above embodiments are intended only to illustrate the technical solutions of the present application and are not intended to limit them. Although the present application has been described in detail with reference to the above embodiments, those skilled in the art should understand that they may still modify the technical solutions described in the above embodiments or replace some of the technical features therein with equivalents. However, such modifications or replacements do not deviate from the spirit and scope of the technical solutions of the various embodiments of the present application.

Claims

1. A data processing method based on smart contracts, characterized in that: Applied to an application server, the method includes: Obtaining a smart contract from the blockchain, the smart contract carrying adjustment information, trigger conditions, source data type, and indicator data type. The smart contract is a personalized smart contract jointly signed between the client and the target party based on needs. The target party includes at least one of a bank and an insurance company. Collecting data of financial products corresponding to the source data type from a network server, where the data of the financial products on the network server is obtained from the blockchain by a smart gateway and sent to the network server after aggregation; Calculating the data of the financial product to obtain indicator data corresponding to the indicator data type; Determine whether the indicator data meets the trigger condition. If so, generate an instruction for adjusting at least one data of the financial product based on the adjustment information, and send the instruction to a target device, which includes a bank-side device and / or an insurance company-side device.

2. The data processing method based on smart contracts according to claim 1, characterized in that: The data of the financial products include periodic rate of return, compound rate of return, excess periodic rate of return, periodic drawdown rate and market value fluctuation; the indicator data include investment additional performance indicator and investment redemption performance indicator; The calculating the data of the financial product to obtain indicator data corresponding to the indicator data type includes: Calculate the stage rate of return, the compound rate of return, and the excess stage rate of return according to a preset first calculation formula to obtain an investment additional performance indicator; The investment additional performance indicator, the stage drawdown rate and the market value fluctuation are calculated according to a preset second calculation formula to obtain an investment redemption performance indicator.

3. The data processing method based on smart contract according to claim 2, characterized in that: The smart contract is a personalized first smart contract jointly signed between the customer and the bank based on the first requirement. The triggering conditions of the first smart contract are a first triggering condition and a second triggering condition. The adjustment information includes first adjustment information and second adjustment information. The instruction includes a first instruction and a second instruction. The determining whether the indicator data satisfies the trigger condition, and if so, generating an instruction for adjusting at least one data of the financial product based on the adjustment information, and sending the instruction to a target device, the target device including a bank-side device and / or an insurance company-side device, including: determining whether the additional investment performance indicator and the investment redemption performance indicator meet the first trigger condition; if so, generating a first instruction for controlling at least one data of the financial product based on the first adjustment information, and sending the first instruction to a bank-side device, the first instruction being used to instruct a gradual reduction in the additional investment amount of the financial product according to a preset additional investment strategy; Determine whether the investment redemption performance indicator meets the second trigger condition. If so, generate a second instruction for controlling at least one data of the financial product based on the second adjustment information, and send the second instruction to the bank-side device. The second instruction is used to instruct to gradually increase the redemption investment amount of the financial product according to a preset investment redemption strategy.

4. The data processing method based on smart contract according to claim 1, characterized in that: The indicator data includes a return amount indicator, the smart contract is a personalized second smart contract jointly signed between the customer and the insurance company based on the second requirement, the trigger condition of the second smart contract is a third trigger condition, the adjustment information includes third adjustment information, and the instruction includes a third instruction; The determining whether the indicator data satisfies the trigger condition, and if so, generating an instruction for adjusting at least one data of the financial product based on the adjustment information, and sending the instruction to a target device, the target device including a bank-side device and / or an insurance company-side device, including: Determine whether the return amount indicator meets the third trigger condition. If so, generate a third instruction for controlling at least one data of the financial product based on the third adjustment information, and send the third instruction to the insurance company side device. The third instruction is used to instruct compensation according to the preset compensation amount.

5. The data processing method based on smart contract according to claim 1, characterized in that: The method further comprises: Determining whether all instructions corresponding to the adjustment information of the smart contract have been executed; If all instructions corresponding to the adjustment information of the smart contract have been executed, a completed mark is added to the smart contract and the smart contract is removed from the blockchain; If all instructions corresponding to the adjustment information of the smart contract have not been executed, an unfinished mark is added to the smart contract and waits in the blockchain.

6. A data processing device based on smart contracts, characterized in that: Applied to an application server, the device includes: an acquisition unit, configured to acquire a smart contract from a blockchain, the smart contract carrying adjustment information, trigger conditions, source data type, and indicator data type, the smart contract being a personalized smart contract jointly signed between a client and a target party based on demand, the target party including at least one of a bank and an insurance company; a collection unit, configured to collect data of financial products corresponding to the source data type from a network server, wherein the data of the financial products on the network server is obtained from the blockchain by an intelligent gateway and sent to the network server after aggregation; a calculation unit, configured to calculate the data of the financial product to obtain indicator data corresponding to the indicator data type; A generating unit is used to determine whether the indicator data meets the trigger condition. If so, an instruction for adjusting at least one data of the financial product is generated based on the adjustment information, and the instruction is sent to a target device, which includes a bank-side device and / or an insurance company-side device.

7. The data processing device based on smart contract according to claim 6, characterized in that: The data of the financial products include periodic rate of return, compound rate of return, excess periodic rate of return, periodic drawdown rate and market value fluctuation; the indicator data include investment additional performance indicator and investment redemption performance indicator; The computing unit comprises: A first calculation subunit is configured to calculate the stage rate of return, the compound rate of return, and the excess stage rate of return according to a preset first calculation formula to obtain an additional investment performance indicator; The second calculation sub-unit is used to calculate the investment additional performance indicator, the stage drawdown rate and the market value fluctuation according to a preset second calculation formula to obtain the investment redemption performance indicator.

8. A data processing device based on smart contracts, characterized in that: including memory and processor; The memory is used to store programs; The processor is configured to execute the program to implement the various steps of the smart contract-based data processing method as described in any one of claims 1 to 5.

9. A readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, each step of the data processing method based on a smart contract as described in any one of claims 1 to 5 is implemented.

10. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, each step of the data processing method based on a smart contract according to any one of claims 1 to 5 is implemented.

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