Litigation case filing method and device

Abstract

The embodiment of the invention provides a litigation case filing method and device, and the method comprises the steps: obtaining first business data of a target account at a current moment in response to a litigation case filing instruction, and obtaining a first business data set, the litigation case filing instruction being used for indicating the initiation of a litigation to the target account; performing coding operation on each piece of first service data in the first service data set to obtain a first coding set; each first code in the first code set is matched with a second code in a pre-established block chain, and the second code is a code for second business data of the target account at a historical moment; and under the condition that the second code matched with the first code exists in the block chain, determining the first code matched with the second code in the first code set as a first target code, and initiating a litigation to the target account by using the first service data corresponding to the first target code.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of computers, and in particular, to a method and device for filing a lawsuit. Background Art

[0002] Personal online loan business is booming in the current financial market. With the rapid development of social economy and the improvement of residents' consumption level, more and more individuals are beginning to rely on online small loans provided by banks to meet various financial needs.

[0003] However, with the rapid growth of personal online loans and the accumulation of various risk factors, personal online loan dispute litigation issues have occurred frequently. However, due to the low credit amount and low interest income of personal online loans, when the banking industry handles related disputes, if it follows the traditional filing model, it will consume a lot of material costs and labor costs when initiating litigation, and the filing costs are significantly high.

[0004] There is currently no effective solution to the above problems. Summary of the invention

[0005] The embodiments of the present invention provide a method and device for filing a lawsuit, so as to at least solve the problem of high cost of filing a case for personal online loans in the related art.

[0006] According to one embodiment of the present invention, a method for filing a lawsuit is provided, comprising: in response to a lawsuit filing instruction, obtaining first business data of a target account at a current moment to obtain a first business data set, wherein the lawsuit filing instruction is used to instruct the initiation of a lawsuit against the target account; performing encoding operations on each of the first business data in the first business data set to obtain a first coding set; matching each first code in the first coding set with a second code in a pre-established blockchain, wherein the second code is an encoding of the second business data of the target account at a historical moment; in a case where the second code matching the first code exists in the blockchain, determining the first code matching the second code in the first coding set as a first target code, and initiating a lawsuit against the target account using the first business data corresponding to the first target code.

[0007] In an exemplary embodiment, before matching each first code in the first code set with a second code in a pre-established blockchain, the method further includes: obtaining a second timestamp corresponding to the second code based on the generation time of the second code, wherein the second timestamp is used to identify the time when the second business data of the target account is encoded; and storing the correspondence between the second code and the second timestamp on the blockchain.

[0008] In an exemplary embodiment, storing the correspondence between the second code and the second timestamp on the blockchain includes: obtaining a block difficulty N of the blockchain, wherein the block difficulty is obtained according to the amount of work required to generate a target block, and N is an integer greater than or equal to 1; creating the target block according to the block difficulty, wherein the target block includes a target block list; and storing the correspondence between the second code and the second timestamp in the target block list of the target block.

[0009] In an exemplary embodiment, creating the target block according to the block difficulty includes: determining a target block header of the target block according to the block difficulty N, wherein the target block also includes the target block header.

[0010] In an exemplary embodiment, determining a target block header of the target block according to the block difficulty N includes: obtaining an initial block header, wherein the initial block header includes multiple attribute information of the target block, and the multiple attribute information includes an initial proof of work; adjusting the initial proof of work to obtain a target proof of work; determining the target proof of work and the other attribute information as the target block header, wherein the other attribute information is information in the multiple attribute information except the target proof of work.

[0011] In an exemplary embodiment, adjusting the initial proof of work to obtain a target proof of work includes: performing an i-th adjustment on the initial proof of work to obtain an i-th adjusted block header, wherein the i-th adjusted block header includes the i-th adjusted proof of work; performing a hash operation on the i-th adjusted block header to obtain a hash value of the i-th adjusted block header; and determining the i-th adjusted proof of work as the target proof of work when the first N bits of the hash value of the i-th adjusted block header are preset values.

[0012] According to another embodiment of the present invention, there is provided a device for filing a lawsuit, comprising: a response module, for responding to a lawsuit filing instruction, obtaining first business data of a target account at a current moment, and obtaining a first business data set, wherein the lawsuit filing instruction is used to instruct the initiation of a lawsuit against the target account; an encoding module, for performing encoding operations on each of the first business data in the first business data set, and obtaining a first encoding set; a matching module, for matching each first code in the first encoding set with a second code in a pre-established blockchain, wherein the second code is an encoding of the second business data of the target account at a historical moment; a litigation module, for determining the first code in the first encoding set that matches the second code as a first target code when there is a second code matching the first code in the blockchain, and initiating a lawsuit against the target account using the first business data corresponding to the first target code.

[0013] According to yet another embodiment of the present invention, a computer-readable storage medium is provided, wherein a computer program is stored in the computer-readable storage medium, wherein the computer program implements the steps of any of the above methods when executed by a processor.

[0014] According to yet another embodiment of the present invention, there is provided an electronic device, including a memory and a processor, wherein the memory stores a computer program, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0015] According to yet another embodiment of the present invention, a computer program product is provided, comprising a computer program, wherein when the computer program is executed by a processor, the steps of any of the above methods are implemented.

[0016] Through the present invention, when receiving the instruction to file a lawsuit, the first business data of the target account at the current moment is obtained, and the first code obtained after encoding the first business data is matched with the second code stored at the historical moment, and the first business data corresponding to the first code that successfully matches is used to initiate a lawsuit against the target account, thereby realizing online batch lawsuit filing. Therefore, the problem of high cost of filing a personal online loan in the related technology can be solved, and the effect of reducing the cost of filing a personal online loan can be achieved. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 is a hardware structure block diagram of a mobile terminal for a method for filing a lawsuit according to an embodiment of the present invention;

[0018] Figure 2 is a flow chart of a method for filing a lawsuit according to an embodiment of the present invention;

[0019] Figure 3 is a flowchart of online batch litigation filing according to an embodiment of the present invention;

[0020] Figure 4 It is a structural block diagram of a device for filing a lawsuit according to an embodiment of the present invention. DETAILED DESCRIPTION

[0021] In order to better understand the present application, some terms in the embodiments of the present application are explained below:

[0022] Blockchain technology: Blockchain technology is a distributed database technology, whose hallmark features are decentralization and immutability. The main technical contents include:

[0023] Blockchain. Blockchain is a distributed storage technology that is maintained by multiple parties and combines data blocks in a chronological order to form a chain data structure. It uses cryptography to ensure that the data stored on the chain cannot be tampered with or forged.

[0024] Hash algorithm. Hash algorithm is one of the main cryptographic technologies applicable to blockchain and is a one-way cryptographic system. Hash algorithm can realize the operation of plaintext electronic data to generate an irreversible, fixed-length and unique "password", that is, a hash value. If the original data changes slightly, whether it is adding fonts or carriage returns, the generated hash value will be completely unrelated; if the original data remains unchanged, the generated hash value will remain constant. In addition, the hash value cannot be reversed to the plaintext data, which can meet the growing confidentiality requirements.

[0025] Chain data structure. The blockchain system uses a chain data structure to tightly connect each data unit - block, and record the generation time of the block. The chain structure turns the data nodes into a tightly ordered combination, which cannot be added or deleted out of order, and individuals cannot modify the time of chaining.

[0026] Distributed storage means that when a node on the blockchain receives information such as data writing, deletion, etc., it not only needs to record it itself, but also needs to broadcast it instantly in the system so that other nodes receive the same information and record and execute it, thereby achieving multi-point synchronous backup to avoid unauthorized deletion of data.

[0027] Blockchain evidence storage: Blockchain evidence storage is the electronic data of our bank's online credit business. The unique data fingerprint (Hash value) is generated through the hash algorithm and uploaded to the blockchain, so as to ensure that the data on the chain is witnessed by consensus and cannot be tampered with. Once the original file is tampered with, it cannot pass the verification. The blockchain does not store the original data, only the Hash value of the evidence. The original data is only submitted to the court for verification after the lawsuit.

[0028] Blockchain evidence verification: Blockchain evidence verification refers to the process of submitting electronic evidence (which has been stored before the lawsuit) for hashing to generate a hash value during litigation activities, and comparing the hash value with the hash value of the evidence stored on the chain before the lawsuit to verify whether the currently submitted evidence is consistent with the evidence generated before the lawsuit and stored on the chain.

[0029] Trusted timestamp: A trusted timestamp is a complete and verifiable electronic certificate issued by a trusted timestamp service provider that can prove that electronic data (electronic files) existed at a certain point in time. It is mainly used to determine the existence, integrity or authenticity of electronic data and solve problems such as electronic data being easily tampered with or forged.

[0030] Personal online loan business is booming in the current financial market. With the rapid development of social economy and the improvement of residents' consumption level, more and more individuals are beginning to rely on online small loans provided by banks to meet various financial needs.

[0031] Personal online loans have the following notable features: 1. Low loan threshold, most of which are pure credit loans. 2. Low loan amount, mainly below 200,000. 3. Convenient application process, customers can handle it all online. 4. High degree of standardization, product acceptance requirements and approval conditions are similar.

[0032] With the rapid growth of personal online loans and the accumulation of various risk factors, personal online loan dispute litigation issues frequently occur. Due to the characteristics of personal online loans, the banking industry faces the following technical issues when handling related disputes:

[0033] 1. The cost of filing an online loan is high.

[0034] The credit amount of a personal online loan is low and the interest income is low. According to the traditional case filing model, when initiating a lawsuit, bank business personnel need to collect evidence materials, write case filing documents, print evidence materials, and seek third-party justice. The material and labor costs of the entire process are high. Considering the low profit of a personal online loan, the case filing cost is significantly high.

[0035] 2. The effectiveness of electronic data evidence is low.

[0036] In order to ensure the convenience of personal online loan processing, the entire business process is handled by users online. During the entire loan application, expenditure, and repayment process, there is no paper agreement or handwritten signature between the bank and the user, only the relevant electronic data stored in the bank system. When relevant litigation occurs, the bank unilaterally provides the court with electronic data such as the borrower's identity information, loan contract, and expenditure log. It is difficult for the court to determine whether the above electronic data has been modified by the bank, resulting in low evidence effectiveness of electronic data related to personal online loans.

[0037] Therefore, in response to the above problems, the present invention proposes a method for filing a lawsuit, which realizes online processing of the entire process of filing a lawsuit through the system automatically collecting evidence, generating a complaint, and submitting the case to the court for filing in batches online, thereby solving the problem of high cost of filing a personal online loan in related technologies.

[0038] At the same time, the present invention uses trusted timestamp technology and blockchain technology to store electronic data evidence. While ensuring the validity of electronic data evidence, there is no need to introduce regulatory authorities to back up and store electronic data, which improves the effectiveness of electronic data evidence and reduces implementation costs.

[0039] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings and in combination with the embodiments.

[0040] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0041] The method embodiments provided in the embodiments of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Taking running on a mobile terminal as an example, Figure 1 FIG. 1 is a hardware structure block diagram of a mobile terminal for a method for filing a lawsuit according to an embodiment of the present invention. Figure 1 As shown, the mobile terminal may include one or more ( Figure 1 Only one is shown in the figure) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data, wherein the mobile terminal may also include a transmission device 106 and an input / output device 108 for communication functions. It can be understood by those skilled in the art that Figure 1 The structure shown is for illustration only and does not limit the structure of the mobile terminal. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0042] The memory 104 can be used to store computer programs, for example, software programs and modules of application software, such as the computer program corresponding to the method for filing a lawsuit in the embodiment of the present invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, to implement the above method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the mobile terminal via a network. Examples of the above network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0043] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the mobile terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, referred to as NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0044] In this embodiment, a method running on the above mobile terminal is provided. Figure 2 is a flow chart of a method for filing a lawsuit according to an embodiment of the present invention. Figure 2 As shown, the process includes the following steps:

[0045] Step S202, in response to a lawsuit filing instruction, obtaining first business data of a target account at a current moment to obtain a first business data set, wherein the lawsuit filing instruction is used to instruct to initiate a lawsuit against the target account;

[0046] The above-mentioned target account may be the account of the user applying for the loan, and the target account may be one or more; the above-mentioned litigation filing instruction may be an instruction to initiate litigation against the target account; the above-mentioned first business data may be the electronic data generated by the user when handling business and stored in the system at the current moment, and the electronic data may be the user's identity information, such as the user authentication process and authentication result data generated when the user performs identity identification and real-name authentication in the bank business system, usually user image screenshots and videos, electronic contracts, such as after the identity authentication is completed, the user completes the borrowing operation and online signing on the bank business system, and the electronic contract data generated, system logs, such as the bank business system completes the user's credit authorization, operation records and other log data, withdrawal records, such as the user uses the bank business system to disburse loans, and the generated disbursement records (loan vouchers) data, repayment records, such as the user repays the loan through the bank business system, and the generated repayment records (repayment vouchers) data, etc.

[0047] When the system receives a lawsuit filing instruction, it responds to the lawsuit filing instruction, obtains the first business data of the target account at the current moment, and obtains a first business data set, wherein the first business data set includes all electronic data of one or more target accounts.

[0048] Step S204, performing encoding operations on each of the first service data in the first service data set to obtain a first encoding set;

[0049] The above encoding can be a hash calculation, such as the SM3 hash algorithm. Through the hash calculation, the first business data of the same account in the target account is encoded to obtain a first coding set, wherein the first coding set includes the hash value of the first business data of each account.

[0050] Step S206, matching each first code in the first code set with a second code in a pre-established blockchain, wherein the second code is a code of the second business data of the target account at a historical moment;

[0051] The second business data may be electronic data generated by the user when handling business in the system stored in the historical time, and the electronic data may be the user's identity information, electronic contract, system log, withdrawal record, repayment record, etc.; the second code may be obtained by encoding the second business data in the historical time, and the encoding method may be hash calculation, etc., wherein the encoding method for encoding the first business data is the same as the encoding method for encoding the second business data. Each first code in the first code set at the current moment is matched with the second code at the historical moment, so as to determine the authenticity and validity of the acquired first business data.

[0052] Step S208: When the second code matching the first code exists in the blockchain, the first code matching the second code in the first code set is determined as the first target code, and the first business data corresponding to the first target code is used to initiate a lawsuit against the target account.

[0053] When the first code matches the second code, it means that the first business data obtained at the current moment is the second business data stored in the historical event, the first code is determined to be the first target code, and the first business data corresponding to the first target code is used to initiate a lawsuit against the target account.

[0054] Optionally, the executor of the above steps may be a background processor, or other devices with similar processing capabilities, or a machine that integrates at least an image acquisition device and a data processing device, wherein the image acquisition device may include a graphics acquisition module such as a camera, and the data processing device may include a computer, a mobile phone or other terminal, but is not limited thereto.

[0055] Through the above steps, when receiving the instruction to file a lawsuit, the first business data of the target account at the current moment is obtained, and the first code obtained after encoding the first business data is matched with the second code stored at the historical moment, and the first business data corresponding to the first code that successfully matches is used to initiate a lawsuit against the target account, thereby realizing online batch lawsuit filing. The problem of high cost of filing a personal online loan in the related technology is solved, the efficiency of online lawsuit filing is improved, and the cost of online lawsuit filing is reduced.

[0056] As an optional implementation, before matching each first code in the first code set with a second code in a pre-established blockchain, the method further includes: obtaining a second timestamp corresponding to the second code based on the generation time of the second code, wherein the second timestamp is used to identify the time when the second business data of the target account is encoded; and storing the correspondence between the second code and the second timestamp on the blockchain.

[0057] The above-mentioned second timestamp can be a trusted timestamp mark, which can be issued by a trusted timestamp service provider or by the court acting as a trusted timestamp service provider. Since the process of obtaining a trusted timestamp is very short and is basically completed in real time, by marking the second code with a trusted timestamp mark, a stable electronic data (second code) storage time can be obtained, which improves the security and credibility of the second code and avoids the problem of reduced evidence effectiveness due to unstable electronic data storage chain time.

[0058] In addition, compared with traditional centralized storage, there are no technical restrictions on the central database manager to modify the data privately. In a decentralized blockchain, a single party tampering with the data of a node will require huge computing power to tamper with the data of all nodes, which has higher technical restrictions. Therefore, after the electronic data generates a hash value through a hash algorithm, it is written into the blockchain based on distributed storage to generate a data unit-block, and is arranged to all nodes of the blockchain through distributed storage, which can ensure the immutability and security of the data, and ensure the integrity and traceability of the data.

[0059] Specifically, after receiving the user's operation, the system performs business processing according to the user's instructions, wherein the user's instructions include but are not limited to personal loan application, generation of loan contract, loan disbursement, loan repayment, etc.; while the system performs the business processing, it encodes the electronic data stream (second business data) generated by the business processing in real time, for example, using the SM3 hash algorithm to calculate the second business data and generate a data fingerprint (Hash value), i.e., the second code; at the same time, after the business processing is completed, the system sends the Hash value (second code) to the trusted timestamp service provider, obtains the trusted timestamp mark, and saves all the generated electronic data (second business data) and its corresponding Hash value (second code) and the obtained trusted timestamp mark, and stores them in the database. Among them, the trusted timestamp service provider can be one or more. In the case of multiple trusted timestamp service providers, it is only necessary to send the Hash value (second code) at the same time. The timestamp service provider only generates the timestamp mark and does not need to save the relevant data; in addition, the court can also act as a timestamp service provider. In this case, there will be no need for a third party (timestamp service provider) to participate. Electronic data includes but is not limited to the following:

[0060] Identity information: The user authentication process and authentication result data generated when the user performs identity identification and real-name authentication in the banking system, usually in the form of user image screenshots and videos.

[0061] Electronic contract: After identity authentication is completed, the electronic contract data is generated after the user completes the loan operation and signs the contract online on the banking business system.

[0062] System log: The banking system completes log data such as user credit authorization and operation records.

[0063] Withdrawal record: The withdrawal record (loan voucher) data generated when the user withdraws the loan through the banking system.

[0064] Repayment record: The repayment record (repayment voucher) data generated when the user repays the loan through the banking system.

[0065] In addition, after obtaining the trusted timestamp mark, the system will also send the electronic data Hash value (second code) and the trusted timestamp mark (second timestamp) to the electronic evidence storage blockchain, and the blockchain will perform block generation operations to save the correspondence between the electronic data Hash value (second code) and the trusted timestamp mark (second timestamp). After the chain is completed, the block height of the target block storing the second code and the second timestamp will be returned to the system and saved in association with the second business data, the second code and the second timestamp. Among them, the rules for the block generation operation can be selected from PoW (proof of work mechanism), PoS (proof of stake mechanism), PBFT (Byzantine fault tolerance algorithm), PoP (proof of number of people mechanism), etc., and the association preservation method can be through a mapping table, etc., which is not limited here.

[0066] Taking the PoW (proof of work) mechanism as an example, from the perspective of data structure, the blockchain is a data chain formed by connecting a series of blocks in series using hash pointers, and each block is mainly composed of two parts: the block header and the block list (evidence list). The data structure of each block is shown in Table 1 below:

[0067] Table 1

[0068]

[0069] The block header contains the following parts: version number, previous block hash value, Merkle tree root hash value of evidence list element, block generation time, block difficulty, and proof of work. The specific diagram is shown in Table 2 below:

[0070] Table 2

[0071]

[0072] The evidence list is composed of "evidence list elements", which include the correspondence between the second code and the second timestamp stored in the block list (evidence list) and some auxiliary data, and the data structure of the evidence list elements is the same. The specific diagram is shown in Table 3 below:

[0073] Table 3

[0074]

[0075] As an optional implementation, storing the correspondence between the second code and the second timestamp on the blockchain includes: obtaining a block difficulty N of the blockchain, wherein the block difficulty is obtained according to the amount of work required to generate a target block, and N is an integer greater than or equal to 1; creating the target block according to the block difficulty, wherein the target block includes a target block list; and storing the correspondence between the second code and the second timestamp in the target block list of the target block.

[0076] The block difficulty N may be the amount of work (computational effort) required to generate a new block. The block difficulty may be pre-set or jointly negotiated by all users who use the block to store data. A new target block is created based on the block difficulty, wherein the evidence list (target block list) of the target block is used to store the second code and the second timestamp.

[0077] As an optional implementation, creating the target block according to the block difficulty includes: determining a target block header of the target block according to the block difficulty N, wherein the target block also includes the target block header.

[0078] As an optional implementation, determining a target block header of the target block according to the block difficulty N includes: obtaining an initial block header, wherein the initial block header includes multiple attribute information of the target block, and the multiple attribute information include an initial proof of work; adjusting the initial proof of work to obtain a target proof of work; determining the target proof of work and the other attribute information as the target block header, wherein the other attribute information is information in the multiple attribute information except the target proof of work.

[0079] Specifically, adjusting the initial proof of work to obtain a target proof of work includes: performing an i-th adjustment on the initial proof of work to obtain an i-th adjusted block header, wherein the i-th adjusted block header includes the i-th adjusted proof of work; performing a hash operation on the i-th adjusted block header to obtain a hash value of the i-th adjusted block header; and determining the i-th adjusted proof of work as the target proof of work when the first N bits of the hash value of the i-th adjusted block header are preset values.

[0080] The above-mentioned proof of work can be any random number, such as 2, 4, 6, etc.; the above-mentioned preset value can be any natural number, such as 0, 1, 2, etc. Taking the preset value of 0 as an example, the initial proof of work contained in the initial block header is adjusted and transformed. Each time it is adjusted, a hash operation is performed on the block header to obtain a hash value, and it is determined whether the first N bits of the hash value are all 0. If not, the proof of work is continued to be adjusted and transformed, and the operation steps are repeated; if so, the proof of work obtained by this adjustment is determined as the target proof of work, and the block header containing the target proof of work and other attribute information in the initial block header is determined as the target block header.

[0081] By using blockchain to store business data and trusted timestamps, there is no need to introduce regulatory nodes such as regulatory authorities, which reduces the cost of electronic data storage. All parties involved (banks, courts, users) can verify the validity of electronic data through trusted timestamps and blockchain.

[0082] Optionally, in one embodiment, the block difficulty of generating the target block can be determined as N first, and then the participants A, B, and C who want to use the target block to store data collect all the electronic data Hash values ​​and trusted timestamp marks that need to be stored in the target block to generate the target block. When generating the target block, by adjusting the "proof of work (Nonce)" contained in the block header of the target block, the first N bits of the Hash value calculated by the block header of the target block are all 0. If the participant A successfully finds the "proof of work (Nonce)" that meets the conditions, the participant A broadcasts the target block (marked as block M) to other participants. After receiving block M, the other participants verify whether the "proof of work (Nonce)" meets the requirements. If it meets the requirements, the block M is included in the blockchain and becomes the generated new block (target block). The generation of the new block is completed by the participants together, which greatly avoids the possibility of the data stored in the block being modified, and ensures the security and validity of the data stored in the new block.

[0083] Optionally, in another embodiment, the block difficulty of generating the target block can be first determined to be N, and then Party A obtains the Hash value and trusted timestamp mark of all electronic data that need to be stored in the target block at preset intervals to generate the target block, wherein Party A can be a court. When generating the target block, by adjusting the "Proof of Work (Nonce)" contained in the block header of the target block, the first N bits of the Hash value calculated by the block header of the target block are all 0. In the case of successfully finding a "Proof of Work (Nonce)" that meets the conditions, the target block (marked as block M) is included in the blockchain and becomes a newly generated block (target block). The on-chain storage of electronic data is completed by the court, which reduces the participation of multiple parties, ensures data security, and reduces the cost of data storage.

[0084] As an optional implementation, initiating a lawsuit against the target account using the first business data corresponding to the first target code includes: obtaining the basic information data of the target account; and generating a complaint based on the basic information data, for example, using RPA (Robtic Process Automation) and other technologies to extract keywords from the basic information data and convert them into corresponding complaints; packaging the complaint with the first business data, and after obtaining the litigation materials, submitting the litigation materials to initiate a lawsuit against the target account. It should be noted that the above RPA technology is only a preferred embodiment, and other similar information extraction methods can also be used to generate complaints, which are not limited here.

[0085] Through the connection between the bank and the court system, we can realize the batch filing of personal loan lawsuits online, and the filing materials and electronic evidence are transmitted in the form of electronic data. The electronic evidence is verified using a trusted timestamp and blockchain. The whole process is batched and paperless, which improves the efficiency of litigation filing. At the same time, RPA technology is used to automatically capture relevant data and fill it in according to the standard template of the complaint, so as to realize the batch generation of the complaint and reduce the workload of business personnel.

[0086] As an optional implementation, Figure 3 is a flowchart of online batch litigation filing according to an embodiment of the present invention, such as Figure 3 As shown, the specific process is as follows:

[0087] Step S301, after receiving the operation of the customer (target account), the bank business module performs business according to the instructions of the customer (target account), and the customer instructions include but are not limited to personal loan application, generation of loan contract, loan disbursement, loan repayment, etc.

[0088] Step S302: While handling the personal online loan business, the bank business module uses the SM3 hash algorithm to calculate and generate a data fingerprint (Hash value) for the electronic data stream (second business data) generated by the business processing in real time. When the business processing is completed, the Hash value (second code) of the corresponding electronic data is also obtained. The business module sends all the generated electronic data (second business data) and its corresponding Hash value (second code) to the bank's electronic evidence module for storage. The stored electronic data includes but is not limited to the following:

[0089] Identity information: The customer authentication process and authentication result data generated when the customer performs identity identification and real-name authentication in the banking system, usually in the form of customer image screenshots and videos.

[0090] Electronic contract: After identity authentication is completed, the electronic contract data is generated after the customer completes the loan operation and signs the contract online on the bank's business system.

[0091] System log: log data such as customer credit authorization and operation records completed by the banking system.

[0092] Withdrawal record: The withdrawal record (loan voucher) data generated when a customer withdraws a loan through the banking system.

[0093] Repayment record: The repayment record (repayment voucher) data generated when a customer repays a loan through the banking system.

[0094] Step S303, after the bank's electronic evidence module receives the electronic data (second business data) and Hash value (second code) forwarded by the business module, it immediately sends the Hash value to the trusted timestamp service provider, obtains the trusted timestamp mark (second timestamp) and saves it. This process can be completed within 3 seconds. Then the electronic data, Hash value, and trusted timestamp mark of each business are stored in the database. There can be multiple trusted timestamp service providers, and they only need to send the Hash value at the same time. Among them, the court can also act as a timestamp service provider. In this case, the entire system does not require the participation of a third party (timestamp service provider). The timestamp service provider only generates a timestamp mark and does not need to save related data.

[0095] Step S304: After the bank's electronic evidence module obtains the trusted timestamp mark (second timestamp), it sends the electronic data Hash value (second code) and the trusted timestamp mark (second timestamp) to the electronic evidence storage blockchain, and the blockchain participating nodes perform block generation operations according to the agreed calculation rules. After the electronic data Hash value and the trusted timestamp are included in the new block and uploaded to the chain, the bank's electronic evidence module saves the blockchain height and associates it with the corresponding electronic data, and the entire electronic data storage process is completed.

[0096] Step S305, after receiving the batch litigation filing instruction from the business personnel, the bank litigation management module initiates personal online loan litigation to the selected target accounts (usually multiple accounts) according to the instructions of the business personnel, and collects the data and evidence materials required for the litigation, which specifically includes the following operations:

[0097] Request relevant loan business data (basic information data) in batches from the bank business module. Business data includes but is not limited to: defendant information (name, gender, ID type, ID number, address, contact information), loan contract number, credit limit, credit start time, credit end time, loan contract signing time, loan contract number, loan principal, loan start time, loan start and end time, loan interest rate, collection time, amount of principal owed, amount of interest owed, amount of penalty interest owed, etc. The bank business module returns relevant business data (basic information data) based on the request;

[0098] Request electronic evidence materials in batches from the bank's electronic evidence module, including electronic data (first business data), the hash value (second code) corresponding to the original electronic data, the trusted timestamp (second timestamp), and the height of the blockchain for evidence storage. The bank's electronic evidence system returns relevant electronic data evidence materials based on the request.

[0099] Step S306: After the bank litigation management module completes the collection of business data and electronic evidence required for litigation, it performs the following operations for each loan to be sued:

[0100] Encode the first business data to obtain a first code set, match each first code in the first code set with the second code, and when the first code matches the second code, determine the first business data corresponding to the first code in the first code set that matches the second code as the target business data, wherein there may be multiple second codes and second timestamps, and each second code and second timestamp corresponds to a target account;

[0101] Using RPA technology, with business data and electronic evidence (first business data) as input information and the indictment as output information, an indictment is automatically generated for each loan to be prosecuted corresponding to each target account.

[0102] The complaint, business data (basic information data) and electronic evidence (target business data) of each loan to be sued are compressed and packaged to form litigation materials.

[0103] Step S307, the bank litigation management module initiates an online batch case filing application to the court case handling system and submits the packaged litigation materials.

[0104] Step S308: After receiving the batch case filing application and litigation materials from the bank, the court case handling system verifies the electronic evidence in the litigation materials in turn, and specifically performs the following operations:

[0105] Verify the authenticity of the timestamp with a trusted timestamp service provider.

[0106] According to the block height record of the electronic evidence, query the corresponding height blockchain to verify the formality of the on-chain evidence. It should be noted that the trusted timestamp service provider and blockchain are both public services, so the defendant can also perform the above operations to independently verify the validity of the electronic evidence.

[0107] Step S309: After the court case handling system completes the verification of the electronic evidence, the case filing process within the court can be carried out. After the case is confirmed to be filed, the court case handling system will feedback the case filing information and trial time to the bank litigation management system and the defendant respectively.

[0108] In step S310, the bank and the defendant can participate in the trial online through video conferencing according to the prescribed trial time and complete the online batch filing of personal online loans.

[0109] Through the description of the above implementation methods, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, a magnetic disk, or an optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, a computer, a server, or a network device, etc.) to execute the methods described in each embodiment of the present invention.

[0110] In this embodiment, a device for filing a lawsuit is also provided, which is used to implement the above-mentioned embodiments and preferred implementation modes, and the descriptions that have been made will not be repeated. As used below, the term "module" can be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0111] Figure 4 is a structural block diagram of a device for filing a lawsuit according to an embodiment of the present invention, such as Figure 4As shown, the device includes: a response module 402, which is used to respond to a lawsuit filing instruction, obtain the first business data of the target account at the current moment, and obtain a first business data set, wherein the lawsuit filing instruction is used to instruct the initiation of a lawsuit against the target account; an encoding module 404, which is used to perform encoding operations on each of the first business data in the first business data set, and obtain a first encoding set; a matching module 406, which is used to match each first code in the first encoding set with a second code in a pre-established blockchain, wherein the second code is the encoding of the second business data of the target account at a historical moment; a litigation module 408, which is used to determine the first code in the first encoding set that matches the second code as a first target code when there is a second code matching the first code in the blockchain, and use the first business data corresponding to the first target code to initiate a lawsuit against the target account.

[0112] In an exemplary embodiment, the device is also used to obtain a second timestamp corresponding to the second code based on the generation time of the second code, wherein the second timestamp is used to identify the time when the second business data of the target account is encoded; and store the correspondence between the second code and the second timestamp on the blockchain.

[0113] In an exemplary embodiment, the device is also used to obtain a block difficulty N of the blockchain, wherein the block difficulty is obtained according to the amount of work required to generate a target block, and N is an integer greater than or equal to 1; create the target block according to the block difficulty, wherein the target block includes a target block list; and store the correspondence between the second code and the second timestamp in the target block list of the target block.

[0114] In an exemplary embodiment, the apparatus is further configured to determine a target block header of the target block according to the block difficulty N, wherein the target block further includes the target block header.

[0115] In an exemplary embodiment, the device is also used to obtain an initial block header, wherein the initial block header includes multiple attribute information of the target block, and the multiple attribute information includes an initial proof of work; adjust the initial proof of work to obtain a target proof of work; determine the target proof of work and the other attribute information as the target block header, wherein the other attribute information is information in the multiple attribute information except the target proof of work.

[0116] In an exemplary embodiment, the device is also used to perform an i-th adjustment on the initial proof of work to obtain a block header obtained by the i-th adjustment, wherein the block header obtained by the i-th adjustment includes the proof of work obtained by the i-th adjustment; perform a hash operation on the block header obtained by the i-th adjustment to obtain a hash value of the block header obtained by the i-th adjustment; and when the first N bits of the hash value of the block header obtained by the i-th adjustment are preset values, determine the proof of work obtained by the i-th adjustment as the target proof of work.

[0117] It should be noted that the above modules can be implemented by software or hardware. For the latter, it can be implemented in the following ways, but not limited to: the above modules are all located in the same processor; or the above modules are located in different processors in any combination.

[0118] An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, the steps of any of the above methods are implemented.

[0119] In an exemplary embodiment, the computer-readable storage medium may include, but is not limited to, various media that can store computer programs, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0120] An embodiment of the present invention further provides an electronic device, including a memory and a processor, wherein a computer program is stored in the memory, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0121] In an exemplary embodiment, the electronic device may further include a transmission device and an input / output device, wherein the transmission device is connected to the processor, and the input / output device is connected to the processor.

[0122] An embodiment of the present invention further provides a computer program product, including a computer program, which implements the steps of the method described in each embodiment of the present application when executed by a processor.

[0123] For specific examples in this embodiment, reference may be made to the examples described in the above embodiments and exemplary implementation modes, and this embodiment will not be described in detail herein.

[0124] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order than here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0125] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for filing a lawsuit, characterized in that: include: In response to a lawsuit filing instruction, first business data of a target account is acquired at a current moment to obtain a first business data set, wherein the lawsuit filing instruction is used to instruct to initiate a lawsuit against the target account; Performing encoding operations on each of the first service data in the first service data set to obtain a first encoding set; Matching each first code in the first code set with a second code in a pre-established blockchain, wherein the second code is an encoding of the second business data of the target account at a historical moment; In the case that the second code matching the first code exists in the blockchain, the first code matching the second code in the first code set is determined as the first target code, and the first business data corresponding to the first target code is used to initiate a lawsuit against the target account.

2. The method according to claim 1, characterized in that Before matching each first code in the first code set with a second code in a pre-established blockchain, the method further includes: Obtaining a second timestamp corresponding to the second code according to the generation time of the second code, wherein the second timestamp is used to identify the time when the second business data of the target account is encoded; The correspondence between the second code and the second timestamp is stored on the blockchain.

3. The method according to claim 2, characterized in that Storing the corresponding relationship between the second code and the second timestamp on the blockchain includes: Obtaining a block difficulty N of the blockchain, wherein the block difficulty is obtained according to the amount of work required to generate a target block, and N is an integer greater than or equal to 1; Creating the target block according to the block difficulty, wherein the target block includes a target block list; The correspondence between the second code and the second timestamp is stored in the target block list of the target block.

4. The method according to claim 3, characterized in that Creating the target block according to the block difficulty includes: A target block header of the target block is determined according to the block difficulty N, wherein the target block also includes the target block header.

5. The method according to claim 4, characterized in that Determining a target block header of the target block according to the block difficulty N includes: Obtaining an initial block header, wherein the initial block header includes multiple attribute information of the target block, and the multiple attribute information includes an initial proof of work; Adjusting the initial proof of work to obtain a target proof of work; The target proof of work and other attribute information are determined as the target block header, wherein the other attribute information is information in the multiple attribute information except the target proof of work.

6. The method according to claim 5, characterized in that Adjusting the initial proof of work to obtain a target proof of work includes: Performing an i-th adjustment on the initial proof of work to obtain an i-th adjusted block header, wherein the i-th adjusted block header includes the i-th adjusted proof of work; Perform a hash operation on the block header obtained by the i-th adjustment to obtain the hash value of the block header obtained by the i-th adjustment; When the first N bits of the hash value of the block header obtained by the i-th adjustment are preset values, the proof of work obtained by the i-th adjustment is determined as the target proof of work.

7. A device for filing a lawsuit, characterized in that: include: a response module, configured to obtain first business data of a target account at a current moment in response to a lawsuit filing instruction to instruct to initiate a lawsuit against the target account; An encoding module, used to perform encoding operations on each of the first business data in the first business data set to obtain a first encoding set; a matching module, configured to match each first code in the first code set with a second code in a pre-established blockchain, wherein the second code is a code of the second business data of the target account at a historical moment; A litigation module is used to determine the first code matching the second code in the first code set as a first target code when the second code matching the first code exists in the blockchain, and to initiate litigation against the target account using the first business data corresponding to the first target code.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program implements the steps of the method described in any one of claims 1 to 6 when executed by a processor.

9. An electronic device comprising a memory and a processor, characterized in that: A computer program is stored in the memory, and the processor is configured to run the computer program to perform the method according to any one of claims 1 to 6.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method described in any one of claims 1 to 6 are implemented.

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