Risk control method and device based on block chain, equipment and storage medium

Abstract

The invention relates to a blockchain-based risk control method and device, electronic equipment and a storage medium, and relates to the field of financial risk control, and the method comprises the steps: obtaining the asset information of a to-be-transferred asset corresponding to an asset transfer operation in response to the asset transfer operation initiated by a first entity, and verifying the first entity and the asset information through the smart contract of the block chain, and allowing the first entity to execute an asset transfer operation when the first entity and the asset information pass the verification. According to the technical scheme, whether the to-be-transferred assets can be transferred or not can be automatically identified under the condition that information security is guaranteed, and risks in the asset transferring process are avoided.

Description

Technical Field

[0001] The present disclosure relates to the field of financial risk control, and in particular to a risk control method, device, electronic device and storage medium based on blockchain. Background Art

[0002] With the development of financial services, especially the development of digital finance, various financial services have also been popularized to various enterprises. Among them, supply chain financial services that provide logistics, capital flow, data flow and business flow to core supply chain enterprises can control the financial risks of core enterprises and their upstream and downstream enterprises. Among them, accounts receivable transfer business (factoring business) is a relatively common financing business in supply chain finance. At present, how to ensure information security in the risk control process and realize automatic identification of risks in the asset transfer process during the transaction process is a problem that urgently needs results. Summary of the invention

[0003] In order to overcome the problems existing in the related technologies, the present disclosure provides a risk control method, device, electronic device and storage medium based on blockchain.

[0004] According to a first aspect of an embodiment of the present disclosure, a blockchain-based risk control method is provided, comprising:

[0005] In response to an asset transfer operation initiated by the first entity, acquiring asset information of an asset to be transferred corresponding to the asset transfer operation;

[0006] Verifying the first entity and the asset information through a smart contract of a blockchain;

[0007] When the first entity and the asset information are verified, the first entity is allowed to perform the asset transfer operation.

[0008] Optionally, the verifying the first entity and the asset information through a smart contract of a blockchain includes:

[0009] Determine, through the smart contract, the entity attributes of the first entity, the transfer status, the asset validity status, and the validity period in the asset information;

[0010] When the entity attribute indicates that the first entity is a financing enterprise, the transfer status is an untransferred status, and the asset validity status is valid and within the validity period, determining that the first entity and the asset information have passed the verification;

[0011] When one or more of the following conditions are met, it is determined that the first entity and the asset information have not passed the verification: the entity attributes indicate that the first entity is not a financing enterprise, the transfer status is a transferred status, the asset validity status is invalid, and the asset validity status is valid but expired.

[0012] Optionally, before verifying the first entity and the asset information through the smart contract of the blockchain, the method further includes:

[0013] After the first entity passes the real-name authentication, adding the first entity to the blockchain, where the first entity is an enterprise or a financial institution;

[0014] In response to the first entity uploading the asset information of the asset to be transferred, the asset information is uploaded to the blockchain to be stored in the blockchain, the asset information is deduplicated through the smart contract when the upload is performed, and the deduplicated asset information is encrypted.

[0015] Optionally, the asset information includes an asset ID of the asset to be transferred, and the deduplication of the asset information by the smart contract includes:

[0016] Query the blockchain according to the asset ID to determine duplicate assets in the assets to be transferred, where the duplicate assets are assets in the assets to be transferred that have duplicate asset information in the blockchain;

[0017] The duplicate assets in the assets to be transferred are removed.

[0018] Optionally, the duplicate assets include assets with the same asset ID, original holder, current holder, invoice information and transfer status.

[0019] Optionally, the method further comprises:

[0020] In response to a query request from a second entity, the smart contract allows the second entity to obtain the asset information from the blockchain, where the second entity is the current or original holder of the asset to be transferred.

[0021] Optionally, after the first entity and the asset information are verified and the first entity is allowed to perform the asset transfer operation, the method further includes:

[0022] The transfer record of the asset to be transferred is stored in the blockchain through the smart contract;

[0023] The transfer status of the asset to be transferred is modified to a transferred status in the blockchain through the smart contract.

[0024] Optionally, after the first entity and the asset information are verified and the first entity is allowed to perform the asset transfer operation, the method further includes:

[0025] In response to the operation of revoking the transferred asset, the transferred asset is transferred back to the original holder of the transferred asset through the smart contract, where the original holder is the holder of the transferred asset before the current transfer;

[0026] Modifying the transfer status of the transferred assets from a transferred state to an untransferred state through the smart contract;

[0027] The reverse transfer record of the transferred assets is stored in the blockchain through the smart contract.

[0028] Optionally, the asset information includes: one or more of: asset ID, current holder, original holder, invoice information, and transfer status.

[0029] According to a second aspect of an embodiment of the present disclosure, a blockchain-based risk control device is provided, comprising:

[0030] An information acquisition module, configured to, in response to an asset transfer operation initiated by the first entity, acquire asset information of an asset to be transferred corresponding to the asset transfer operation;

[0031] a verification module, configured to verify the first entity and the asset information through a smart contract of a blockchain;

[0032] The processing module is configured to allow the first entity to perform the asset transfer operation when the first entity and the asset information are verified.

[0033] According to a third aspect of an embodiment of the present disclosure, there is provided a risk control device based on blockchain, comprising: a processor; a memory for storing instructions executable by the processor;

[0034] Among them, the processor is configured to: execute the executable instructions to implement the steps of the blockchain-based risk control method described in any implementation of the first aspect above.

[0035] According to a fourth aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided, on which computer program instructions are stored. When the program instructions are executed by a processor, the steps of the blockchain-based risk control method described in the first aspect of the present disclosure are implemented.

[0036] The technical solution provided by the embodiments of the present disclosure may have the following beneficial effects:

[0037] In the above technical solution, in response to an asset transfer operation initiated by a first entity, the asset information of the asset to be transferred corresponding to the asset transfer operation is obtained, and the first entity and the asset information are verified through the smart contract of the blockchain. When the first entity and the asset information pass the verification, the first entity is allowed to perform the asset transfer operation. Through the above technical solution, when an entity initiates an asset transfer, it is necessary to verify the first entity and the asset information through the smart contract of the blockchain. Through the smart contract, it can be verified whether the entity and the asset to be transferred can be transferred, and if the verification is passed, the entity is allowed to transfer the asset. The security of transaction information can be guaranteed through the blockchain. The verification of the asset to be transferred through the smart contract can realize the automation of transaction verification, so that it can automatically identify whether the asset to be transferred can be transferred while ensuring information security, and avoid risks in the asset transfer process.

[0038] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the present disclosure.

[0040] Figure 1 It is a flow chart of a risk control method based on blockchain according to an exemplary embodiment.

[0041] Figure 2 The present invention is a flowchart of another risk control method based on blockchain according to an exemplary embodiment.

[0042] Figure 3 The present invention is a flowchart of another risk control method based on blockchain according to an exemplary embodiment.

[0043] Figure 4 The present invention is a flowchart of another risk control method based on blockchain according to an exemplary embodiment.

[0044] Figure 5 The present invention is a flowchart of another risk control method based on blockchain according to an exemplary embodiment.

[0045] Figure 6 The present invention is a flowchart of another risk control method based on blockchain according to an exemplary embodiment.

[0046] Figure 7 It is a block diagram of a risk control device based on blockchain according to an exemplary embodiment.

[0047] Figure 8It is a block diagram of another blockchain-based risk control device according to an exemplary embodiment.

[0048] Fig. 9 It is a block diagram of another blockchain-based risk control device according to an exemplary embodiment.

[0049] Fig.10 It is a block diagram of another blockchain-based risk control device according to an exemplary embodiment. DETAILED DESCRIPTION

[0050] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0051] It is to be understood that in the present disclosure, "plurality" refers to two or more than two, and other quantifiers are similar. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the associated objects before and after are in an "or" relationship. The singular forms "a", "the" and "the" are also intended to include plural forms, unless the context clearly indicates other meanings.

[0052] It is further understood that the terms "first", "second", etc. are used to describe various information, but such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other, and do not indicate a particular order or degree of importance. In fact, the expressions "first", "second", etc. can be used interchangeably. For example, a first entity can also be referred to as a second entity, and similarly, a second entity can also be referred to as a first entity without departing from the scope of the present disclosure.

[0053] It is further understood that, although the operations are described in a specific order in the drawings in the embodiments of the present disclosure, it should not be understood as requiring the operations to be performed in the specific order shown or in a serial order, or requiring the execution of all the operations shown to obtain the desired results. In certain environments, multitasking and parallel processing may be advantageous.

[0054] It should be noted that all actions of acquiring signals, information or data in this application are carried out in compliance with the relevant data protection laws and policies of the country where they are located, and with the authorization given by the owner of the corresponding device.

[0055] The risk control method based on blockchain in this disclosure is mainly used in supply chain financial services (SCF, Supply Chain Finance). Supply chain financial services can control the risks of core enterprises and their upstream and downstream member companies through information management. Supply chain finance is a systematic financing arrangement reached between core enterprises and financial institutions for all member companies in the supply chain. When an asset transfer business occurs in supply chain finance, the initiator needs to transfer the assets to the financial institution and then apply for financing. In the actual risk control process, financial institutions need to identify whether the assets have been transferred repeatedly and need to avoid information leakage. Therefore, this disclosure proposes a risk control method based on blockchain to solve this problem. Through blockchain technology, the transferred assets are put on the chain, and whether the assets on the chain are reused during financing can be verified, which can greatly reduce the efficiency of asset auditing and improve the risk control ability of the supply chain financial system. At the same time, before the asset information is put on the chain, its key information is encrypted, which can effectively prevent the risk of information leakage. The following is an introduction to the risk control method based on blockchain provided in this disclosure.

[0056] Figure 1 is a flowchart of a risk control method based on blockchain according to an exemplary embodiment. Figure 1 As shown, the method includes the following steps.

[0057] In step S101, in response to an asset transfer operation initiated by a first entity, asset information of an asset to be transferred corresponding to the asset transfer operation is obtained.

[0058] Among them, in various embodiments of the present disclosure, an entity may refer to an economic entity, including an enterprise, an institution or other organization that can carry out economic activities. Therefore, the first entity that initiates the asset transfer operation in the present disclosure may be an enterprise, institution or organization that needs to carry out financing. In asset transfer, the more common is the transfer of accounts receivable, so the assets in the embodiments of the present disclosure may be accounts receivable, wherein accounts receivable refer to the amount that an enterprise should collect from the purchasing unit due to the sale of goods, products, provision of services and other businesses in the normal course of business, and accounts receivable include claims that have occurred and will occur in the future. Therefore, the first entity can obtain financing through the transfer of accounts receivable. It can be understood that the assets in the embodiments of the present disclosure, in addition to accounts receivable, may also be other types of assets that can be transferred.

[0059] In step S102, the first entity and asset information are verified through a smart contract of the blockchain.

[0060] It is understandable that the blockchain-based risk control method provided in the embodiment of the present disclosure can be executed by the blockchain. The blockchain here can be understood as a blockchain network, which can be a consortium blockchain. The consortium blockchain is a blockchain network for members of a specific group and limited third parties. Multiple pre-selected nodes can be designated as account keepers within the network (wherein, account keeping can be understood as storing data on the blockchain). In the consortium blockchain, the generation of each block on the blockchain is jointly determined by all pre-selected nodes. Among them, the multiple pre-selected nodes can be multiple electronic devices belonging to different entities, such as one or more of enterprises, financial institutions, regulatory agencies and other necessary institutions. The multiple electronic devices constitute the above-mentioned blockchain network based on a P2P network (peer-to-peer network) and jointly maintain a blockchain (also known as a public account book), thereby forming the consortium blockchain.

[0061] Smart contracts are computer protocols running in cyberspace, which are transmitted, verified or executed in an information-based manner. Simply put, smart contracts are contracts that use computer language instead of legal language to record terms and are automatically executed by programs. In the field of blockchain, smart contracts can be understood as an automatically executable program deployed on the blockchain. The program is set with trigger conditions and tasks or events that need to be executed agreed upon by the contracting parties. When the trigger conditions are met, the smart contract can be automatically executed to automatically execute the task or event. For example, when a certain condition is met, the smart contract automatically initiates a transfer operation between user A and user B.

[0062] The deployment process of a smart contract may include: first, the two or more parties involved in the contract agree to formulate the agreed content into a smart contract; then, the smart contract is broadcasted to the nodes in the public chain (i.e., public blockchain) or the alliance blockchain through the blockchain network (such as Ethereum) to complete the on-chain storage. After the deployment of the smart contract is completed, the conditions are met, and the contract content can be automatically executed after the conditions of the smart contract are met.

[0063] It is worth mentioning that one or more smart contracts can be set up on the blockchain, and the protocol content of each smart contract can be different, thereby realizing different functions.

[0064] In this embodiment, the triggering condition of the smart contract may be receiving an asset transfer operation initiated by any entity. It should be noted that the asset transfer operation initiated by the first entity can be understood as the electronic device of the first entity initiating an asset transfer operation to the blockchain. The content of the smart contract may include: obtaining the asset information of the asset to be transferred of the entity initiating the asset transfer operation, and verifying the asset information and the asset transfer initiator, as well as the verification rules or verification strategies for verifying the asset information and the asset transfer initiator.

[0065] In step S103, when the first entity and the asset information are verified, the first entity is allowed to perform the asset transfer operation.

[0066] For example, the smart contract verifies the asset information according to the verification strategy pre-set in the contract, such as verifying the entity attributes of the first entity, the transfer status, the asset validity status and the validity period in the asset information. When it is determined that the first entity and the asset information have passed the verification based on this information and the verification strategy, the first entity is allowed to perform the asset transfer operation, so that the first entity can complete the asset transfer operation.

[0067] In the above technical solution, in response to an asset transfer operation initiated by a first entity, the asset information of the asset to be transferred corresponding to the asset transfer operation is obtained, and the first entity and the asset information are verified through the smart contract of the blockchain. When the first entity and the asset information pass the verification, the first entity is allowed to perform the asset transfer operation. Through the above technical solution, when an entity initiates an asset transfer, it is necessary to verify the first entity and the asset information through the smart contract of the blockchain. Through the smart contract, it can be verified whether the entity and the asset to be transferred can be transferred, and if the verification is passed, the entity is allowed to transfer the asset. The security of transaction information can be guaranteed through the blockchain. The verification of the asset to be transferred through the smart contract can realize the automation of transaction verification, so that it can automatically identify whether the asset to be transferred can be transferred while ensuring information security, and avoid risks in the asset transfer process.

[0068] Optionally, the above-mentioned asset information may include: asset ID, current holder, original holder, invoice information, transfer status or one or more thereof. The current holder may be understood as the current holder of the asset to be transferred, and the original holder may be understood as the original holder of the asset to be transferred before it belongs to the current holder. Optionally, if the asset has been transferred multiple times, the asset information may also include the original holders of the asset to be transferred in all previous transfers.

[0069] Optionally, Figure 2 is a flow chart of another risk control method based on blockchain according to an exemplary embodiment. Figure 2 As shown, step S102 may include the following steps.

[0070] In step S1021, the entity attributes of the first entity, the transfer status in the asset information, the asset validity status and the validity period are determined through the smart contract.

[0071] In step S1022, when the entity attributes indicate that the first entity is a financing enterprise, the transfer status is an untransferred status, and the asset validity status is valid and within the validity period, it is determined that the first entity and asset information pass the verification.

[0072] In step S1023, when one or more of the following conditions are met, it is determined that the first entity and asset information have not passed the verification: the entity attributes indicate that the first entity is not a financing enterprise, the transfer status is the transferred status, the asset validity status is invalid, and the asset validity status is valid but expired.

[0073] It is understandable that after being triggered, the smart contract can obtain the entity attributes of the initiator of the asset transfer, as well as the information of each asset. For example, when entity A initiates an asset transfer, the asset information of the asset to be transferred corresponding to the asset transfer operation is obtained. The information of entity A and the asset information can be stored on the blockchain, and the asset information of the transferred asset can be updated on the blockchain after each transaction. Thus, the smart contract can obtain the information of entity A and the asset information from the blockchain. The entity attributes of entity A can be determined through the information of entity A, including but not limited to the type of entity, such as a financing enterprise, a financial institution, etc. The transfer status, asset validity status, validity period, etc. of the asset to be transferred can be determined through the asset information.

[0074] When the smart contract determines that entity A is a financing enterprise, the transfer status of the asset A to be transferred is not transferred, and the asset validity status is valid and within the validity period, it can be determined that entity A and the asset A to be transferred have passed the verification and the asset transfer operation can be performed; for example, when entity B initiates an asset transfer, the smart contract identifies that entity B is a financing enterprise through the above method, and the asset B to be transferred of entity B is in a valid state and the asset is within the validity period, but the asset B to be transferred is in a transferred state. At this time, it can be determined that entity B and the asset B to be transferred cannot pass the verification, that is, the asset transfer operation cannot be performed, thereby avoiding the repeated transfer of the asset B to be transferred.

[0075] Optionally, Figure 3 is a flow chart of another risk control method based on blockchain according to an exemplary embodiment. Figure 3 As shown, the method also includes the following steps.

[0076] In step S104, after the first entity passes the real-name authentication, the first entity is added to the blockchain, and the first entity is an enterprise or a financial institution.

[0077] As mentioned above, the blockchain in the present disclosure may be a consortium blockchain, which requires permission to operate, and not everyone can access the consortium blockchain. Therefore, before the first entity uses the blockchain, it needs to pass the real-name authentication of the consortium blockchain, and after satisfying the access mechanism of the consortium blockchain, the first entity is allowed to use the consortium blockchain.

[0078] In step S105, in response to the first entity uploading the asset information of the asset to be transferred, the asset information is uploaded to the blockchain to be stored. When the upload is performed, the asset information is deduplicated through a smart contract, and the deduplicated asset information is encrypted.

[0079] Optionally, smart contracts can be used to upload entity information and asset information to the blockchain. The upload operation can be understood as storing the above information on the blockchain, which can be achieved through smart contracts on the blockchain in this embodiment.

[0080] In one possible implementation, the triggering condition of the smart contract may be receiving a request to upload asset information to the blockchain initiated by any authenticated entity. The functions of the smart contract may include deduplication and encryption of asset information, so that when the smart contract receives asset information of the assets to be transferred uploaded by the first entity, the asset information can be deduplicated based on the asset information uploaded by the first entity and the asset information already stored in the blockchain to avoid repeated lending and financing of the same asset information, and the deduplicated asset information can be encrypted.

[0081] Optionally, you can use the asset ID in the asset information to determine whether the asset is duplicated. Figure 4 is a flow chart of another risk control method based on blockchain according to an exemplary embodiment. Figure 4 As shown, step S105 also includes the following steps.

[0082] In step S1051, a query is performed in the blockchain according to the asset ID to determine the duplicate assets in the assets to be transferred, and the duplicate assets are assets in the assets to be transferred that have duplicate asset information in the blockchain.

[0083] In step S1052, duplicate assets in the assets to be transferred are removed.

[0084] Optionally, in addition to the asset ID, the original holder, current holder, invoice information, and transfer status of the asset may be further considered for comparison. Accordingly, the duplicate assets described in step S1051 to step S1052 include: assets with the same asset ID, original holder, current holder, invoice information, and transfer status.

[0085] Optionally, Figure 5 is a flow chart of another risk control method based on blockchain according to an exemplary embodiment. Figure 5 As shown, the method may further include the following steps.

[0086] In step S106, the transfer record of the asset to be transferred is stored in the blockchain through a smart contract.

[0087] In step S107, the transfer status of the asset to be transferred is modified to a transferred status in the blockchain through a smart contract.

[0088] For example, in step S106 and step S107, the triggering condition of the smart contract may be that any entity completes an asset transfer operation. After the first entity completes the above-mentioned asset transfer operation, a transfer record corresponding to the operation will be generated, thereby triggering the smart contract to store the transfer record in the blockchain; after the first entity completes the above-mentioned asset transfer operation, the smart contract can be triggered to modify the transfer status of the corresponding asset to the transferred status.

[0089] Optionally, Figure 6 is a flow chart of another risk control method based on blockchain according to an exemplary embodiment. Figure 6 As shown, the method may further include the following steps.

[0090] In step S108, in response to the operation of revoking the transferred asset, the transferred asset is transferred back to the original holder of the transferred asset through the smart contract, and the original holder is the holder of the transferred asset before the current transfer.

[0091] In step S109, the transfer status of the transferred asset is modified from the transferred status to the untransferred status through the smart contract.

[0092] In step S110, the reverse transfer record of the transferred assets is stored in the blockchain through a smart contract.

[0093] It is understandable that after a transfer of an asset is completed, with the consent of both parties to the transfer operation or under other possible circumstances, an operation to revoke the transferred asset can be initiated. When the transferred asset is revoked, the transferred asset can be transferred back to the original holder of the transferred asset through a smart contract, and the asset status of the transferred asset will be modified to an untransferred state through a smart contract, and the reverse transfer operation record of the transferred asset will be stored in the blockchain.

[0094] Optionally, the blockchain-based risk control method may further include the following steps:

[0095] In response to a query request from a second entity, a smart contract of the blockchain allows the second entity to obtain asset information from the blockchain, where the second entity is the current or former holder of the asset to be transferred.

[0096] It is understandable that for the asset information stored in the blockchain, only specific users can be allowed to query. For example, for a certain asset to be transferred, its original holder and current holder (current holder) can query the asset information of the asset to be transferred through the smart contract, and other users do not have the right to query. Optionally, the trigger condition of the smart contract can be that any entity initiates a query request for asset information. After receiving the query request, the smart contract can obtain the information of the entity that initiated the query request, thereby verifying whether it is the original holder and the current holder, and thus deciding whether to allow the entity's query request.

[0097] Optionally, the above Figures 1 to 6 The smart contract used in each of the embodiments shown can be the same smart contract, which can integrate the smart contract for executing Figures 1 to 6 The functions of the various embodiments shown in the method; or, Figures 1 to 6 The smart contract used in the various embodiments shown may also be multiple different smart contracts, each of which performs different functions.

[0098] Through the above technical solution, asset information can be encrypted and deduplicated through smart contracts, and the transferred assets can be revoked through reverse transfer. The records of asset transfer and reverse transfer can also be stored in the blockchain and the status of the assets can be modified. The technical solution provided by the above method can ensure the security of transaction information through blockchain, and the verification of the assets to be transferred through smart contracts can realize the automation of transaction verification, so that it can automatically identify whether the assets to be transferred can be transferred while ensuring information security, avoiding risks in the asset transfer process.

[0099] Figure 7 is a block diagram of a risk control device based on blockchain according to an exemplary embodiment. Figure 7, the blockchain-based risk control device 700 may include.

[0100] The information acquisition module 701 is configured to, in response to an asset transfer operation initiated by the first entity, acquire asset information of the asset to be transferred corresponding to the asset transfer operation.

[0101] The verification module 702 is configured to verify the first entity and asset information through a smart contract of the blockchain.

[0102] The processing module 703 is configured to allow the first entity to perform the asset transfer operation when the first entity and the asset information are verified.

[0103] Optionally, the verification module 702 may include:

[0104] The first determination submodule is configured to determine the entity attributes of the first entity, the transfer status in the asset information, the asset validity status and the validity period through a smart contract.

[0105] The second determination submodule is configured to determine that the first entity and asset information have passed the verification when the entity attributes indicate that the first entity is a financing enterprise, the transfer status is an untransferred status, and the asset validity status is valid and within the validity period.

[0106] The third determination submodule is configured to determine that the first entity and asset information have not passed the verification when one or more of the following conditions are met: the entity attribute indicates that the first entity is not a financing enterprise, the transfer status is the transferred status, the asset validity status is invalid, and the asset validity status is valid but expired.

[0107] Optionally, Figure 8 is a block diagram of another risk control device based on blockchain according to an exemplary embodiment. Figure 8 As shown, the blockchain-based risk control device 700 may also include:

[0108] The adding module 704 is configured to add the first entity to the blockchain after the first entity passes the real-name authentication, where the first entity is an enterprise or a financial institution.

[0109] The on-chain module 705 is configured to, in response to the first entity uploading the asset information of the asset to be transferred, perform an on-chain operation on the asset information to store it in the blockchain, deduplicate the asset information through a smart contract when performing the on-chain operation, and encrypt the deduplicated asset information.

[0110] Optionally, the uplink module 705 may include:

[0111] The query submodule is configured to query in the blockchain according to the asset ID to determine the duplicate assets in the assets to be transferred, and the duplicate assets are assets in the assets to be transferred that have duplicate asset information in the blockchain.

[0112] The deduplication submodule is configured to remove duplicate assets from the assets to be transferred.

[0113] Optionally, the blockchain-based risk control device 700 may further include:

[0114] The first storage module is configured to store the transfer record of the asset to be transferred in the blockchain through a smart contract.

[0115] The first modification module is configured to modify the transfer status of the to-be-transferred asset to a transferred status in the blockchain through a smart contract.

[0116] Optionally, the blockchain-based risk control device 700 may further include:

[0117] The revocation module is configured to, in response to an operation of revoking a transferred asset, transfer the transferred asset back to the original holder of the transferred asset through a smart contract, where the original holder is the holder of the transferred asset before the transfer.

[0118] The second modification module is configured to modify the transfer status of the transferred assets from a transferred state to an untransferred state through a smart contract.

[0119] The second storage module is configured to store the reverse transfer record of the transferred assets in the blockchain through a smart contract.

[0120] Optionally, the blockchain-based risk control device 700 may further include:

[0121] The query module is configured to respond to a query request from a second entity and allow the second entity to obtain asset information from the blockchain through a smart contract. The second entity is a current holder or a former holder of the asset to be transferred.

[0122] In the above technical solution, in response to an asset transfer operation initiated by a first entity, the asset information of the asset to be transferred corresponding to the asset transfer operation is obtained, and the first entity and the asset information are verified through the smart contract of the blockchain. When the first entity and the asset information pass the verification, the first entity is allowed to perform the asset transfer operation. Through the above technical solution, when an entity initiates an asset transfer, it is necessary to verify the first entity and the asset information through the smart contract of the blockchain. Through the smart contract, it can be verified whether the entity and the asset to be transferred can be transferred, and if the verification is passed, the entity is allowed to transfer the asset. The security of transaction information can be guaranteed through the blockchain. The verification of the asset to be transferred through the smart contract can realize the automation of transaction verification, so that it can automatically identify whether the asset to be transferred can be transferred while ensuring information security, and avoid risks in the asset transfer process.

[0123] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0124] The present disclosure also provides a computer-readable storage medium having computer program instructions stored thereon, which, when executed by a processor, implement the steps of the blockchain-based risk control method provided by the present disclosure.

[0125] Fig. 9 1 is a block diagram of another risk control device 900 based on blockchain according to an exemplary embodiment. For example, the device 900 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, a fitness device, a personal digital assistant, etc.

[0126] Reference Fig. 9 , the device 900 may include one or more of the following components: a first processing component 902 , a first memory 904 , a first power component 906 , a multimedia component 908 , an audio component 910 , a first input / output interface 912 , a sensor component 914 , and a communication component 916 .

[0127] The first processing component 902 generally controls the overall operation of the device 900, such as operations associated with display, phone calls, data communications, camera operations, and recording operations. The first processing component 902 may include one or more first processors 920 to execute instructions to complete all or part of the steps of the above-mentioned blockchain-based risk control method. In addition, the first processing component 902 may include one or more modules to facilitate the interaction between the first processing component 902 and other components. For example, the first processing component 902 may include a multimedia module to facilitate the interaction between the multimedia component 908 and the first processing component 902.

[0128] The first memory 904 is configured to store various types of data to support operations on the device 900. Examples of such data include instructions for any application or method operating on the device 900, contact data, phone book data, messages, pictures, videos, etc. The first memory 904 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk.

[0129] The first power source component 906 provides power to various components of the device 900. The first power source component 906 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power to the device 900.

[0130] The multimedia component 908 includes a screen that provides an output interface between the device 900 and the user. In some embodiments, the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from the user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundaries of the touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 908 includes a front camera and / or a rear camera. When the device 900 is in an operating mode, such as a shooting mode or a video mode, the front camera and / or the rear camera may receive external multimedia data. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.

[0131] The audio component 910 is configured to output and / or input audio signals. For example, the audio component 910 includes a microphone (MIC), and when the device 900 is in an operating mode, such as a call mode, a recording mode, and a speech recognition mode, the microphone is configured to receive an external audio signal. The received audio signal can be further stored in the first memory 904 or sent via the communication component 916. In some embodiments, the audio component 910 also includes a speaker for outputting audio signals.

[0132] The first input / output interface 912 provides an interface between the first processing component 902 and a peripheral interface module, which may be a keyboard, a click wheel, buttons, etc. These buttons may include but are not limited to: a home button, a volume button, a start button, and a lock button.

[0133] The sensor assembly 914 includes one or more sensors for providing various aspects of status assessment for the device 900. For example, the sensor assembly 914 can detect the open / closed state of the device 900, the relative positioning of components, such as the display and keypad of the device 900, and the sensor assembly 914 can also detect the position change of the device 900 or a component of the device 900, the presence or absence of user contact with the device 900, the orientation or acceleration / deceleration of the device 900, and the temperature change of the device 900. The sensor assembly 914 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. The sensor assembly 914 may also include an optical sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 914 may also include an accelerometer, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

[0134] The communication component 916 is configured to facilitate wired or wireless communication between the device 900 and other devices. The device 900 can access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication component 916 receives a broadcast signal or broadcast-related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 916 also includes a near field communication (NFC) module to facilitate short-range communication. For example, the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology and other technologies.

[0135] In an exemplary embodiment, the apparatus 900 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to execute the above-mentioned blockchain-based risk control method.

[0136] In an exemplary embodiment, a non-transitory computer-readable storage medium including instructions is also provided, such as a first memory 904 including instructions, and the instructions can be executed by the first processor 920 of the device 900 to complete the above-mentioned blockchain-based risk control method. For example, the non-transitory computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0137] In addition to being an independent electronic device, the above-mentioned device can also be a part of an independent electronic device. For example, in one embodiment, the device can be an integrated circuit (IC) or a chip, wherein the integrated circuit can be an IC or a collection of multiple ICs; the chip can include but is not limited to the following types: GPU (Graphics Processing Unit), CPU (Central Processing Unit), FPGA (Field Programmable Gate Array), DSP (Digital Signal Processor), ASIC (Application Specific Integrated Circuit), SOC (System on Chip, SoC), etc. The above-mentioned integrated circuit or chip can be used to execute executable instructions (or codes) to implement the above-mentioned blockchain-based risk control method. The executable instructions can be stored in the integrated circuit or chip, or can be obtained from other devices or equipment, for example, the integrated circuit or chip includes a second processor, a second memory, and an interface for communicating with other devices. The executable instruction can be stored in the second memory, and when the executable instruction is executed by the processor, the above-mentioned blockchain-based risk control method is implemented; alternatively, the integrated circuit or chip can receive the executable instruction through the interface and transmit it to the second processor for execution, so as to implement the above-mentioned blockchain-based risk control method.

[0138] In another exemplary embodiment, a computer program product is also provided, which includes a computer program that can be executed by a programmable device, and the computer program has a code portion for executing the above-mentioned blockchain-based risk control method when executed by the programmable device.

[0139] Fig.10 1 is a block diagram of another risk control device 1000 based on blockchain according to an exemplary embodiment. For example, the device 1000 can be provided as a server. Fig.10 , the apparatus 1000 includes a second processing component 1022, which further includes one or more processors, and a memory resource represented by a third memory 1032 for storing instructions executable by the second processing component 1022, such as an application. The application stored in the third memory 1032 may include one or more modules, each corresponding to a set of instructions. In addition, the second processing component 1022 is configured to execute instructions to perform the above-mentioned blockchain-based risk control method.

[0140] The device 1000 may further include a second power supply component 1026 configured to perform power management of the device 1000, a wired or wireless network interface 1050 configured to connect the device 1000 to a network, and a second input / output interface 1058. The device 1000 may operate based on an operating system stored in the memory 1032.

[0141] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the present disclosure. The present disclosure is intended to cover any variations, uses or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The description and examples are to be considered as exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0142] It should be understood that the present disclosure is not limited to the exact structures that have been 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 disclosure is limited only by the appended claims.

Claims

1. A risk control method based on blockchain, characterized in that: include: In response to an asset transfer operation initiated by the first entity, acquiring asset information of an asset to be transferred corresponding to the asset transfer operation; Verifying the first entity and the asset information through a smart contract of the blockchain; When the first entity and the asset information are verified, the first entity is allowed to perform the asset transfer operation.

2. The method according to claim 1, characterized in that: The verifying the first entity and the asset information through the smart contract of the blockchain includes: Determine, through the smart contract, the entity attributes of the first entity, the transfer status, the asset validity status, and the validity period in the asset information; When the entity attribute indicates that the first entity is a financing enterprise, the transfer status is an untransferred status, and the asset validity status is valid and within the validity period, determining that the first entity and the asset information have passed the verification; When one or more of the following conditions are met, it is determined that the first entity and the asset information have not passed the verification: the entity attributes indicate that the first entity is not a financing enterprise, the transfer status is a transferred status, the asset validity status is invalid, and the asset validity status is valid but expired.

3. The method according to claim 1, characterized in that Before verifying the first entity and the asset information through the smart contract of the blockchain, the method further includes: After the first entity passes the real-name authentication, adding the first entity to the blockchain, where the first entity is an enterprise or a financial institution; In response to the first entity uploading the asset information of the asset to be transferred, the asset information is uploaded to the blockchain to be stored in the blockchain, the asset information is deduplicated through the smart contract when the upload is performed, and the deduplicated asset information is encrypted.

4. The method according to claim 3, characterized in that The asset information includes the asset ID of the asset to be transferred, and the deduplication of the asset information by the smart contract includes: Query the blockchain according to the asset ID to determine duplicate assets in the assets to be transferred, where the duplicate assets are assets in the assets to be transferred that have duplicate asset information in the blockchain; The duplicate assets in the assets to be transferred are removed.

5. The method according to claim 4, characterized in that The duplicate assets include assets with the same asset ID, original holder, current holder, invoice information and transfer status.

6. The method according to claim 3, characterized in that The method further comprises: In response to a query request from a second entity, the smart contract allows the second entity to obtain the asset information from the blockchain, where the second entity is the current or original holder of the asset to be transferred.

7. The method according to claim 1, characterized in that After the first entity and the asset information are verified and the first entity is allowed to perform the asset transfer operation, the method further includes: The transfer record of the asset to be transferred is stored in the blockchain through the smart contract; The transfer status of the asset to be transferred is modified to a transferred status in the blockchain through the smart contract.

8. The method according to claim 1, characterized in that: After the first entity and the asset information are verified and the first entity is allowed to perform the asset transfer operation, the method further includes: In response to the operation of revoking the transferred asset, the transferred asset is transferred back to the original holder of the transferred asset through the smart contract, and the original holder is the holder of the transferred asset before the current transfer; Modifying the transfer status of the transferred asset from a transferred state to an untransferred state through the smart contract; The reverse transfer record of the transferred assets is stored in the blockchain through the smart contract.

9. The method according to any one of claims 1 to 8, characterized in that: The asset information includes: one or more of: asset ID, current owner, original owner, invoice information, and transfer status.

10. A risk control device based on blockchain, characterized in that: include: An information acquisition module, configured to, in response to an asset transfer operation initiated by the first entity, acquire asset information of an asset to be transferred corresponding to the asset transfer operation; a verification module, configured to verify the first entity and the asset information through a smart contract of a blockchain; The processing module is configured to allow the first entity to perform the asset transfer operation when the first entity and the asset information are verified.

11. An electronic device, characterized in that: include: processor; a memory for storing processor-executable instructions; Wherein, the processor is configured to: execute the executable instructions to implement the steps of the blockchain-based risk control method described in any one of claims 1 to 9.

12. A computer-readable storage medium having computer program instructions stored thereon, characterized in that: When the program instructions are executed by the processor, the steps of the blockchain-based risk control method described in any one of claims 1 to 9 are implemented.

Images