Block chain-based digital creditor's right certificate flow storage method and device, and medium

Abstract

The invention relates to the technical field of block chains, and discloses a digital creditor's right voucher flow storage method and device based on a block chain, and a medium, and the method comprises the steps: generating a digital creditor's right voucher according to a financial transaction request, and recording the creditor's right flow information of the digital creditor's right voucher in each creditor's right transfer process; trade background data, user behavior data and electronic signature protocol data in each creditor's right transfer process are extracted from the creditor's right transfer information; respectively calculating hash values corresponding to the trade background data, the user behavior data and the electronic signature protocol data; performing address association on storage addresses of hash values corresponding to the trade background data, the user behavior data and the electronic signature protocol data according to a creditor's right transfer process corresponding to the digital creditor's right certificate; and storing hash values corresponding to the trade background data, the user behavior data and the electronic signature protocol data to the block chain one by one according to the associated storage addresses. According to the invention, the security in the digital creditor's right voucher transfer process can be improved.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a blockchain-based digital debt certificate circulation and storage method, device and medium. Background Art

[0002] With the increase of financial products in supply chain finance, it is particularly important to ensure the authenticity, validity and integrity of data. In particular, when dealing with digital debt certificates that have been transferred and endorsed multiple times, data tracing and verification are very important steps. Through the data tracing function supported by the platform, the source and flow of each transfer transaction can be traced and verified to confirm the legality and authenticity of the transaction.

[0003] Most of the existing digital debt certificate circulation data is not stored during the circulation process, and cannot support data traceability, trace the historical records of the debt certificate and verify the authenticity of the data, resulting in low security in the transfer process of digital debt certificates. Summary of the invention

[0004] The present invention provides a blockchain-based digital debt certificate circulation and notarization method, device and medium, the main purpose of which is to solve the problem of low security when transferring digital debt certificates.

[0005] To achieve the above-mentioned purpose, the present invention provides a blockchain-based digital debt certificate circulation and storage method, comprising:

[0006] Generate a digital creditor's rights certificate according to a preset financial transaction request, and record the creditor's rights transfer information of the digital creditor's rights certificate in each creditor's rights transfer process;

[0007] Extracting trade background data, user behavior data, and electronic signature agreement data in each debt transfer process from the debt transfer information;

[0008] Calculate the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data respectively;

[0009] According to the creditor's rights transfer process corresponding to the digital creditor's rights certificate, the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are associated with each other;

[0010] The hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are stored on the blockchain one by one according to the associated storage addresses.

[0011] Optionally, generating a digital debt certificate according to a preset financial transaction request includes:

[0012] Extracting transaction parameters from a preset financial transaction request;

[0013] Determining debt certificate data according to the transaction parameters;

[0014] The creditor's rights certificate data is filled into a preset digital creditor's rights certificate template to obtain a digital creditor's rights certificate corresponding to the financial transaction request.

[0015] Optionally, the recording of the creditor's rights transfer information of the digital creditor's rights certificate in each creditor's rights transfer process includes:

[0016] Verifying the voucher status of the digital creditor's rights voucher, and when the verified digital creditor's rights voucher is in a valid state, obtaining a creditor's rights transfer request in each creditor's rights transfer process;

[0017] Perform identity verification on the transferor corresponding to the claim transfer request, and verify the transfer transaction conditions in the claim transfer request;

[0018] When the identity verification of the transferor is successful and the transfer transaction conditions meet the preset transaction transfer conditions, the transfer data of the digital creditor's rights certificate is generated according to the creditor's rights transfer request;

[0019] The digital debt certificate is updated according to the transfer data, and the debt transfer information in each debt transfer process is recorded according to the updated digital debt certificate and the transfer data.

[0020] Optionally, extracting trade background data, user behavior data, and electronic signature agreement data in each debt transfer process from the debt transfer information includes:

[0021] Extracting a business data snapshot of the financial product corresponding to the creditor's rights transfer information;

[0022] Filtering trade background data in the creditor's rights transfer information according to preset trade background key fields;

[0023] Extracting transaction operation logs from the creditor's rights transfer information, and determining user behavior data in each creditor's rights transfer process according to the transaction operation logs;

[0024] The signature data is determined according to the business data snapshot, and the electronic signature agreement data in each debt transfer process is extracted according to the signature data.

[0025] Optionally, extracting a business data snapshot of a financial product corresponding to the creditor's rights transfer information includes:

[0026] Determine key business nodes based on the business process of the financial product;

[0027] Record the node trigger data status corresponding to the key business nodes in the financial product;

[0028] When the node trigger data state is a trigger state, the key business data corresponding to the key business node is extracted, and a business data snapshot corresponding to the key business data is captured.

[0029] Optionally, calculating the hash value corresponding to the trade background data includes:

[0030] Standardizing the data type of the trade background data;

[0031] Converting the standardized trade background data into a trade background byte stream;

[0032] The hash value of the trade background byte stream is calculated using the following preset hash function:

[0033] H = hash(x)

[0034] Wherein, H is the hash value, hash is the hash function, and x is the trade background byte stream.

[0035] Optionally, the address association of the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data according to the creditor's rights transfer process corresponding to the digital creditor's rights certificate includes:

[0036] Calculate the hash value corresponding to the business data snapshot in each claim transfer process, and extract the storage address of the hash value corresponding to the business data snapshot;

[0037] Extract the storage address of the hash value corresponding to the trade background data, the user behavior data and the electronic signature agreement data in each debt transfer process;

[0038] Create address index data blocks for the storage addresses of the hash values ​​corresponding to the business data snapshot and the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data, and the electronic signature agreement data;

[0039] The address index numbers in the address index block are associated with the storage addresses one by one through the address index addresses in the address index block in order from small to large.

[0040] Optionally, storing the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data one by one on the blockchain according to the associated storage addresses includes:

[0041] Determine the storage-associated data block on the blockchain according to the associated storage address;

[0042] Calculating the address distance in the storage associated data block;

[0043] When the storage data block corresponding to the storage address has been stored and the address distance is greater than a preset distance threshold, selecting the next storage address corresponding to the storage address one by one;

[0044] updating the storage-associated data block according to the next storage address, and returning to the step of calculating the address distance in the storage-associated data block, until a storage address not stored by data is selected and the address distance of the updated storage-associated data block is less than or equal to a preset distance threshold;

[0045] When a storage address where no data is stored is selected and the address distance of the updated storage-related data block is less than or equal to the preset distance threshold, the hash values ​​corresponding to the trade background data, the user behavior data, the electronic signature agreement data, and the hash value corresponding to the business data snapshot are allocated one by one to the storage-related data block of the updated blockchain according to the storage address where no data is stored.

[0046] In order to solve the above problem, the present invention further provides an electronic device, the electronic device comprising:

[0047] at least one processor; and,

[0048] a memory communicatively connected to the at least one processor; wherein,

[0049] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the above-mentioned blockchain-based digital debt certificate circulation and storage method.

[0050] In order to solve the above problems, the present invention also provides a computer-readable storage medium, in which at least one computer program is stored. The at least one computer program is executed by a processor in an electronic device to implement the above-mentioned blockchain-based digital debt certificate circulation and storage method.

[0051] The embodiment of the present invention helps digitize debt transactions by converting financial transaction requests into digital debt certificates, improves efficiency, reduces paper document processing costs, and ensures the security and traceability of certificates; recording the circulation information of debts during each transfer process can provide a complete transaction history record; extracting trade background data, user behavior data, and electronic signature agreement data from the debt circulation information helps analyze transaction conditions, identify transaction patterns, and ensure the compliance and security of transactions; by calculating the hash value of the data, the integrity and non-tamperability of the data can be ensured, and any modification of the data will cause the hash value to change, thereby improving the security of the data; the hash values ​​of the trade background data, user behavior data, and electronic signature agreement data are associated with the address of the transfer process of the digital debt certificate, and then stored one by one on the blockchain, which can ensure the indivisibility and consistency of the data and the debt transaction. The decentralized and non-tamperable characteristics of the blockchain ensure the security and credibility of the data. Therefore, the blockchain-based digital debt certificate circulation and storage method, device, and medium proposed by the present invention can solve the problem of low security when transferring digital debt certificates. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] Figure 1 A flowchart of a blockchain-based digital debt certificate circulation and storage method provided by an embodiment of the present invention;

[0053] Figure 2 A schematic diagram of a process for extracting creditor's rights transfer data provided by an embodiment of the present invention;

[0054] Figure 3 A schematic diagram of a flow chart for calculating a hash value provided by an embodiment of the present invention;

[0055] Figure 4 A schematic diagram of the structure of an electronic device for implementing the blockchain-based digital debt certificate circulation and storage method provided in one embodiment of the present invention.

[0056] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0057] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0058] The embodiment of the present application provides a method for circulation and storage of digital debt certificates based on blockchain. The execution subject of the method for circulation and storage of digital debt certificates based on blockchain includes but is not limited to at least one of the electronic devices such as a server and a terminal that can be configured to execute the method provided by the embodiment of the present application. In other words, the method for circulation and storage of digital debt certificates based on blockchain can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc. The server can be an independent server, or it can be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0059] Reference Figure 1 The figure is a flow chart of a method for transferring and storing digital debt certificates based on blockchain provided by an embodiment of the present invention. In this embodiment, the method for transferring and storing digital debt certificates based on blockchain includes:

[0060] S1. Generate a digital debt certificate according to a preset financial transaction request, and record the debt transfer information of the digital debt certificate in each debt transfer process.

[0061] In the embodiment of the present invention, a financial transaction request refers to a transaction request issued by an investor or both parties to a transaction to a financial institution, and a digital debt certificate refers to a debt certificate in electronic form, which replaces the traditional paper debt certificate. It records the basic information and transaction details of the debt for verification and confirmation during the debt transaction and settlement process.

[0062] In the embodiment of the present invention, the step of generating a digital debt certificate according to a preset financial transaction request includes:

[0063] Extracting transaction parameters from a preset financial transaction request;

[0064] Determining debt certificate data according to the transaction parameters;

[0065] The creditor's rights certificate data is filled into a preset digital creditor's rights certificate template to obtain a digital creditor's rights certificate corresponding to the financial transaction request.

[0066] In detail, the transaction parameters include but are not limited to the transaction amount, interest payment method, debt face value, issuer, debt term, debt number, and transaction details, wherein the debt face value refers to the face value of the debt, that is, the principal of the debt; the interest payment method refers to the interest rate of the debt, that is, the fixed income obtained by the investor; the debt term includes the maturity date, that is, the maturity date of the debt or the end date of the investment period; the issuer refers to the name of the issuing institution or issuer of the debt; the investor refers to the name or identity information of the investor who purchases the debt; the debt number means that each debt has a unique identification number used to track and identify the debt; the transaction details include the quantity, price, transaction time and other transaction-related information of the purchased or sold debt. Investors can view and manage the digital debt certificates they hold by logging into the corresponding electronic trading platform. After the transaction is completed, the digital debt certificates can also be used for the delivery and settlement of the debt, wherein the transaction parameters in the financial transaction request can be extracted from the pre-stored storage area through computer statements with data capture functions (such as Java statements, Python statements, etc.), and the storage area includes but is not limited to databases and blockchains.

[0067] Specifically, the debt certificate data can be determined based on the actual data corresponding to the transaction parameters. For example, if the transaction parameter is the issuer, the debt certificate data includes the name, registered place, contact information and other information of the issuer; if the transaction parameter is the term of the debt, the debt certificate data includes the issue date, maturity date and the principal and interest payment plan; if the transaction parameter is the interest payment method, the debt certificate data includes the interest payment method of the debt, such as fixed interest rate, floating interest rate or zero interest debt, and the interest calculation frequency (annual interest, semi-annual interest, etc.); if the transaction parameter is the face value of the debt, the debt certificate data includes the debt amount; in addition, based on the obtained debt The certificate data can be filled in the template file of the digital debt certificate obtained in advance on the web page, and the digital debt certificate template is a document containing placeholders or tags, which is used to fill in the debt certificate data in a specific position, that is, it is necessary to parse the template file, identify and locate the fields or tags in the template file that need to be filled with data, replace the corresponding fields or tags in the template file according to the transaction parameters and the debt certificate data, save the template with replaced data as a new file, and obtain a complete digital debt certificate file. The template filling can be implemented through programming languages ​​or software, such as Python and Java.

[0068] Furthermore, as a financial product, supply chain finance has higher requirements for the authenticity, validity and integrity of data, especially for electronic debt certificates that have been transferred and endorsed multiple times. The platform's support for data traceability is a very advantageous technical means for resolving judicial disputes. Therefore, it is necessary to analyze the debt certificate data that has changed during the transfer process of digital debt certificates.

[0069] In an embodiment of the present invention, the debt transfer information is information recording the transfer of debts between different holders, including the issuance information of the debts, the identity information of the transferor and the transferee, the transfer date, the transfer quantity, the transfer price, etc. The debt transfer information records the transaction history of the debt from the initial issuer to the current holder, which helps to track the ownership changes of the debt, the transaction process and related compliance audits.

[0070] In the embodiment of the present invention, the recording of the creditor's rights transfer information of the digital creditor's rights certificate in each creditor's rights transfer process includes:

[0071] Verifying the voucher status of the digital creditor's rights voucher, and when the verified digital creditor's rights voucher is in a valid state, obtaining a creditor's rights transfer request in each creditor's rights transfer process;

[0072] Perform identity verification on the transferor corresponding to the claim transfer request, and verify the transfer transaction conditions in the claim transfer request;

[0073] When the identity verification of the transferor is successful and the transfer transaction conditions meet the preset transaction transfer conditions, the transfer data of the digital creditor's rights certificate is generated according to the creditor's rights transfer request;

[0074] The digital debt certificate is updated according to the transfer data, and the debt transfer information in each debt transfer process is recorded according to the updated digital debt certificate and the transfer data.

[0075] In detail, before recording the creditor's rights transfer information of the digital creditor's rights certificate, it is necessary to verify whether the digital creditor's rights certificate is in a valid state, that is, to verify the digital signature, certificate number, issuer information, etc. of the digital creditor's rights certificate. When the verified digital creditor's rights certificate meets the preset certificate conditions, that is, the digital creditor's rights certificate is valid, the transfer request in each creditor's rights transfer process will be obtained, including the transferor, transferee, transfer quantity, transfer price, transfer date and other information. Before the transferor makes the transfer, the identity of the transferor needs to be verified to ensure that it has the transfer qualifications and authority, and at the same time verify whether the transfer transaction conditions (transfer quantity, transfer price, transfer date) meet the requirements. It is stipulated that once the transfer request is verified and confirmed, a transfer record will be automatically generated, including the transfer date, transferor information, new holder information, etc. According to the generated transfer data, the holder information of the debt certificate will be updated and a new debt certificate version will be generated, that is, the information of the digital debt certificate will be updated, and the circulation information of each transfer process will be recorded, including the previous holder information, transferor information, transfer date, etc. The circulation information of each transfer process will be recorded and saved. This record will be added to the circulation history of the debt certificate. Once the payment is completed, the system will reflect the latest holder and transfer record of the debt, so as to audit and track the entire debt transfer process.

[0076] Furthermore, in order to ensure the authenticity, validity and integrity of the circulation data corresponding to the digital debt certificate in each debt transfer process, different data need to be stored on the chain.

[0077] S2. Extracting the trade background data, user behavior data, and electronic signature agreement data in each debt transfer process from the debt transfer information.

[0078] In an embodiment of the present invention, the trade background data refers to information related to the transaction, including but not limited to transaction type (buy / sell / transfer), transaction quantity, transaction price, transaction date, transaction participants, etc. The user behavior data records various behaviors of the user during the transaction process, including but not limited to records of operations such as logging in, submitting transaction instructions, modifying orders, canceling orders, and querying transaction information. The electronic signature agreement data records the electronic signature operations involved in the debt transfer process, including the identity information of the signatory, signing time, signature content, etc.

[0079] In the embodiment of the present invention, referring to Figure 2 As shown, the trade background data, user behavior data, and electronic signature agreement data in each debt transfer process are extracted from the debt transfer information, including:

[0080] S21, extracting a business data snapshot of the financial product corresponding to the creditor's rights transfer information;

[0081] S22, filtering trade background data in the creditor's rights transfer information according to preset trade background key fields;

[0082] S23, extracting a transaction operation log from the creditor's rights transfer information, and determining user behavior data in each creditor's rights transfer process according to the transaction operation log;

[0083] S24. Determine the signature data according to the business data snapshot, and extract the electronic signature agreement data in each debt transfer process according to the signature data.

[0084] In detail, for different products, data snapshots of key business nodes are extracted for storage, and business data snapshots at specific points in time are extracted from the debt circulation information to capture business data such as the debt status and holder information within a specific time. That is, the financial product corresponding to the digital debt certificate is determined based on the debt circulation information, and the digital debt certificate information extracted from the debt circulation information is matched with the financial product database to determine the specific financial product corresponding to each digital debt certificate, such as the debt type, issuance information, trading platform, etc., wherein the business data snapshot of a financial product refers to a snapshot that captures and records data related to a financial product at a specific point in time or when a specific event occurs, including information such as the status, value, and attributes of specific business data, which is used to record the specific situation of business data at a certain point in time.

[0085] In the embodiment of the present invention, the extracting the business data snapshot of the financial product corresponding to the creditor's rights transfer information includes:

[0086] Determine key business nodes based on the business process of the financial product;

[0087] Record the node trigger data status corresponding to the key business nodes in the financial product;

[0088] When the node trigger data state is in the trigger state, the key business data corresponding to the key business node is extracted, and a business data snapshot corresponding to the key business data is captured.

[0089] In detail, the business process of financial products should be clearly defined, and the key business nodes therein should be determined, such as issuance, trading, change of holders, payment, etc. For each key business node, the definition of its trigger data status should be recorded, that is, determine under what conditions the node is triggered or activated. Once a key business node is triggered, for example, in the issuance node, the trigger data status is that the issuer completes the debt issuance and publishes the issuance announcement, and its corresponding key business data are the date of issuance announcement, the number of debt issuance, and the issuance price; in the transaction node, the trigger data status is that the debt after issuance begins to be traded in the secondary market, and its corresponding key business data are the transaction time, counterparty, transaction quantity, and transaction price; in the holder change node, the trigger data status is that the debt holder changes, such as transfer, redemption and other operations, and its corresponding key business data are the time of holder change, holder information before and after the change, and transaction amount; in the payment node, the trigger data status is that the debt interest payment date arrives, or early repayment occurs, and its corresponding key business data are the payment date, the amount of interest or principal payable, and the payer information.

[0090] Specifically, in the triggered state, it is necessary to extract the key business data corresponding to the node, including the node trigger time, relevant participants, transaction quantity, amount and other key information. In the triggered state, the business data snapshot corresponding to the key business data is captured, that is, the current business data state is recorded and stored, and a timestamp is added to each key business data record to mark the change time of the data state. In the triggered state, the current business data state is directly stored as a data snapshot, that is, in the triggered state, the database transaction log can be used to record the changes in the current business data state to realize the capture of data snapshots, or the concept of event sourcing can be used to capture the change history of business data, and each data state change is recorded as an event to form a complete data state change history.

[0091] Furthermore, according to the preset trade background key fields, data related to the trade background, such as transaction type, transaction quantity, transaction price and other information, are screened out from the debt circulation information, and appropriate database query statements (such as SQL) are used to screen out data that meets the trade background. For example, an SQL query can be executed on the database table of debt circulation information, that is, SELECT transaction type, transaction quantity, transaction price FROM debt circulation information table WHERE relevant conditions; the "relevant conditions" part can be filled in according to specific trade background requirements, such as specific transaction type, time range, debt product type, etc., so as to obtain trade background data; the transaction operation log related to the debt circulation is extracted according to the log information in the database, and the transaction operation log includes the user's login information, debt transfer request, transaction confirmation operation, etc. Analyze the extracted transaction operation logs to determine which operations belong to user behavior data, including user login, query of debt information, issuance of transfer request, confirmation of transaction, etc., and associate the extracted user behavior data with the debt circulation information to determine the user behavior in each debt transfer process. The log data can be matched with the debt circulation information through the transaction ID or other unique identifier, so as to record the determined user behavior data and obtain the user behavior data in each debt transfer process; analyze the business data snapshot to determine the signature data contained therein. The signature data includes the timestamp, signatory information, signature content, etc. of the electronic signature. Based on the identified signature data, the electronic signature agreement data in each debt transfer process is extracted through custom scripts or queries, which helps to track the signing process and ensure the compliance of the transaction.

[0092] Furthermore, in order to ensure the integrity and security of trade background data, user behavior data and electronic signature agreement data and prevent data tampering during the transaction process, it is necessary to encrypt and store the trade background data, user behavior data and electronic signature agreement data.

[0093] S3. Calculate the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data respectively.

[0094] In an embodiment of the present invention, the hash value is a number or string of fixed length obtained by processing the input data through a hash function, that is, the trade background data, the user behavior data and the electronic signature agreement data are respectively converted into outputs of fixed length using a hash function to convert input data of any length.

[0095] In the embodiment of the present invention, referring to Figure 3 As shown, the calculating of the hash value corresponding to the trade background data includes:

[0096] S31, standardizing the data type of the trade background data;

[0097] S32, converting the standardized trade background data into a trade background byte stream;

[0098] S33, using the following preset hash function to calculate the hash value of the trade background byte stream:

[0099] H = hash(x)

[0100] Wherein, H is the hash value, hash is the hash function, and x is the trade background byte stream.

[0101] Specifically, the data type of the trade background data is standardized, that is, the data type is unified. For example, if the trade background data includes Trade ID, Trade Date, Trade Amount, and Counterparty, it is assumed that the trade ID is a string, so there is no need for further data type standardization. The date format is unified into a specific format, such as ISO 8601 format (for example, "YYYY-MM-DD"), ensure that the data type of the amount is numeric, and the unification of the currency unit may need to be considered. Assume that the counterparty is a string, so no further data type standardization is required; when calculating the hash value, the data needs to be converted into a byte stream, and the standardized trade background data is converted into a trade background byte stream using the JSON library, that is, the trade_data object is converted into a string in JSON format using Python's json.dumps() method, and then converted into a byte stream according to encode('utf-8'), so as to obtain the byte stream representation of the trade background data, and the trade background byte stream is calculated through the sha256() function in Python's hashlib library. The hash value is converted into a hexadecimal representation through the hexdigest() method, and the final output result is the SHA-256 hash value of the trade background byte stream. SHA-256 is a Secure Hash Algorithm 256-bit, that is, a secure hash algorithm. It is one of the SHA-2 (Secure Hash Algorithm 2 series) that can convert input data into a hash value with a fixed length of 256 bits. The hash functions include but are not limited to SHA-256, MD5, and SHA-1.

[0102] Specifically, the steps of calculating the hash value corresponding to the user behavior data and calculating the hash value corresponding to the electronic signature agreement data are consistent with the steps of calculating the hash value corresponding to the trade background data, which will not be repeated here.

[0103] Furthermore, when it is necessary to verify the integrity of the data, the hash value of the data can be recalculated and compared with the stored hash value to confirm whether the data has been modified. In order to clearly track the trade background data, user behavior data and electronic signature agreement data corresponding to each debt transfer, it is necessary to perform correlation analysis on the storage address of the data.

[0104] S4. According to the debt transfer process corresponding to the digital debt certificate, the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are associated with each other.

[0105] In the embodiment of the present invention, address association refers to the process of binding or associating different data elements or objects with their corresponding storage addresses. By associating the storage address of the hash value, it can be ensured that the data has not been tampered with during the transmission and storage process. The association between the data hash value and the storage address helps to increase the credibility of the data. The participants can confirm the authenticity and integrity of the data by checking the correspondence between the hash value and the address, thereby enhancing trust. Through address association, the specific data corresponding to each debt transfer can be easily tracked.

[0106] In an embodiment of the present invention, the address association of the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data according to the creditor's rights transfer process corresponding to the digital creditor's rights certificate includes:

[0107] Calculate the hash value corresponding to the business data snapshot in each claim transfer process, and extract the storage address of the hash value corresponding to the business data snapshot;

[0108] Extract the storage address of the hash value corresponding to the trade background data, the user behavior data and the electronic signature agreement data in each debt transfer process;

[0109] Create address index data blocks for the storage addresses of the hash values ​​corresponding to the business data snapshot and the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data, and the electronic signature agreement data;

[0110] The address index numbers in the address index block are associated with the storage addresses one by one through the address index addresses in the address index block in order from small to large.

[0111] In detail, in each debt transfer process, there will be corresponding business data snapshots, trade background data, user behavior data and electronic signature agreement data. When calculating the hash values ​​corresponding to the trade background data, user behavior data and electronic signature agreement data, it is also necessary to calculate the hash value corresponding to the business data snapshot through SHA-256, and randomly select an initial storage address for storing the hash value of the business data snapshot on the blockchain, and randomly select an initial storage address for storing the hash value of the trade background data, user behavior data and electronic signature agreement data on the blockchain. The storage address of the hash value corresponding to the business data snapshot, trade background data, user behavior data and electronic signature agreement data can be extracted from the pre-stored storage area through a computer statement with a data capture function, that is, each hash value corresponds to a unique storage address on the blockchain.

[0112] Specifically, the storage addresses of the hash values ​​of the business data snapshot are organized into an independent data block, the hash value storage addresses of the trade background data are organized into another data block, the hash value storage addresses of the user behavior data are organized into a third data block, and the hash value storage addresses of the electronic signature agreement data are organized into a fourth data block. Each data block includes a hash value storage address, which points to the specific location where the data hash value is actually stored; a data identifier, which is an identifier that describes the content of the data block, such as a business snapshot and trade background; a timestamp, which is the specific time when the data block is created; a chain structure. Each data block on the blockchain may contain a link to the previous block to form a chain structure. By creating an index, different data blocks can be quickly accessed and retrieved, and then the address index numbers in the address index block are sorted in ascending order. Each address index number is processed one by one in the sorted order. For the address index number currently being processed, the corresponding address index address is obtained from the address index block: the obtained address index address is used to find the corresponding storage address, and the obtained storage address is associated with the address index number currently being processed. A mapping relationship may be established in a data structure, or a corresponding record may be updated in a database.

[0113] Exemplarily, the storage addresses corresponding to different hash values ​​are 0x111111111111, 0x2222222222222, 0x3333333333333, and 0x444444444444, and the index numbers corresponding to each hash value are 1, 2, 3, and 4. Then, each data block is connected in order from small to large index numbers, that is, the data block with index number 1 is connected to the data block with index number 2, the data block with index number 2 is connected to the data block with index number 3, and the data block with index number 3 is connected to the data block with index number 4, so as to obtain the address association relationship between the storage addresses corresponding to each hash value.

[0114] Furthermore, after associating the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data, the corresponding data needs to be stored according to the associated storage addresses to ensure that the data is not tampered with during storage and transmission. The hash value of each data block is associated with the previous data block to form a chain structure, so the source and change history of the data can be easily traced.

[0115] S5. Store the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data on the blockchain one by one according to the associated storage addresses.

[0116] In the embodiment of the present invention, the blockchain provides a highly secure data storage method. By storing the data hash value in the blockchain, data tampering or unauthorized access can be prevented. Each data block is encrypted and verified to ensure the security of the data. Once the hash value of the data is stored in the blockchain, it is almost impossible to tamper with it. The decentralized nature and consensus mechanism of the blockchain ensure the immutability of the data and provide reliable protection for the data.

[0117] In an embodiment of the present invention, storing the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data on the blockchain one by one according to the associated storage addresses includes:

[0118] Determine the storage-associated data block on the blockchain according to the associated storage address;

[0119] Calculating the address distance in the storage associated data block;

[0120] When the storage data block corresponding to the storage address has been stored and the address distance is greater than a preset distance threshold, selecting the next storage address corresponding to the storage address one by one;

[0121] updating the storage-associated data block according to the next storage address, and returning to the step of calculating the address distance in the storage-associated data block, until a storage address not stored by data is selected and the address distance of the updated storage-associated data block is less than or equal to a preset distance threshold;

[0122] When a storage address where no data is stored is selected and the address distance of the updated storage-related data block is less than or equal to the preset distance threshold, the hash values ​​corresponding to the trade background data, the user behavior data, the electronic signature agreement data, and the hash value corresponding to the business data snapshot are allocated one by one to the storage-related data block of the updated blockchain according to the storage address where no data is stored.

[0123] In detail, the data blocks corresponding to the associated storage addresses on the blockchain are formed into an overall data block, namely, a storage-associated data block, and the address distance between the addresses of each associated data block in the storage-associated data block is calculated, and a judgment is made between the storage address and the address distance, namely, whether the next storage address is available is checked, namely, whether data has not yet been stored or can be reallocated to accommodate new data. For the next storage address, the system calculates its address distance from the current data block to determine whether a preset distance threshold is met. If the address distance does not meet the preset distance threshold, the next storage address is selected and the above steps are repeated until a storage address that meets the conditions is found. Once a suitable storage address is found, the storage-associated data block is updated and the data is stored in the data block corresponding to the address. After the storage-associated data block is updated, the address distance between the data blocks is recalculated to ensure that the distribution of the data is as expected, thereby ensuring that the data is evenly distributed on the blockchain while maintaining the relevance and integrity of the data, which can improve the security and reliability of data storage and ensure that the data will not be tampered with or lost.

[0124] For example, suppose there is a supply chain finance platform that provides financing services for small and micro enterprises in the supply chain, including the transfer and endorsement of electronic debt certificates. On one occasion, an enterprise (referred to as Enterprise A) transferred an electronic debt certificate to the platform. After multiple transfers and endorsements, a dispute eventually arose. Enterprise A claimed that it did not receive the corresponding funds in a certain transfer and required the platform to investigate and resolve it. The platform will store transaction data, including information such as the transferor, the transferee, the transfer amount, and the transfer time, and generate corresponding hash values ​​for each transfer and endorsement of the electronic debt certificate. The hash values ​​of these data are stored on the blockchain to ensure that they cannot be tampered with and are traceable. Each transfer and endorsement operation will form a new data block, forming a chain of data records. When a dispute arises, the platform can access the data stored on the blockchain to trace the historical transfer records of the electronic debt certificate, including viewing the detailed information such as the participants, amount, and time of each transfer. The platform can provide the relevant parties with the data records stored on the blockchain as evidence to prove the authenticity and integrity of each transfer. These records are tamper-proof and legally binding.

[0125] The embodiment of the present invention helps digitize debt transactions by converting financial transaction requests into digital debt certificates, improves efficiency, reduces paper document processing costs, and ensures the security and traceability of certificates; recording the circulation information of debts during each transfer process can provide a complete transaction history record; extracting trade background data, user behavior data, and electronic signature agreement data from the debt circulation information helps analyze transaction conditions, identify transaction patterns, and ensure the compliance and security of transactions; by calculating the hash value of the data, the integrity and non-tamperability of the data can be ensured, and any modification of the data will cause the hash value to change, thereby improving the security of the data; the hash values ​​of the trade background data, user behavior data, and electronic signature agreement data are associated with the address of the transfer process of the digital debt certificate, and then stored one by one on the blockchain, which can ensure the indivisibility and consistency of the data and the debt transaction. The decentralized and non-tamperable characteristics of the blockchain ensure the security and credibility of the data. Therefore, the blockchain-based digital debt certificate circulation and storage method, device, and medium proposed by the present invention can solve the problem of low security when transferring digital debt certificates.

[0126] like Figure 4 The figure is a schematic diagram of the structure of an electronic device for implementing a blockchain-based digital debt certificate circulation and storage method provided by an embodiment of the present invention.

[0127] The electronic device may include a processor 10, a memory 11, a communication bus 12 and a communication interface 13, and may also include a computer program stored in the memory 11 and executable on the processor 10, such as a blockchain-based digital debt certificate circulation and storage program.

[0128] In some embodiments, the processor 10 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or a plurality of integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and combinations of various control chips. The processor 10 is the control core (ControlUnit) of the electronic device, and uses various interfaces and lines to connect the various components of the entire electronic device, and executes or executes the programs or modules stored in the memory 11 (for example, executing the blockchain-based digital debt certificate circulation and deposit program, etc.), and calls the data stored in the memory 11 to execute various functions of the electronic device and process data.

[0129] The memory 11 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disk, multimedia card, card-type memory (for example: SD or DX memory, etc.), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 11 can be an internal storage unit of an electronic device, such as a mobile hard disk of the electronic device. In other embodiments, the memory 11 can also be an external storage device of an electronic device, such as a plug-in mobile hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the electronic device. Further, the memory 11 can also include both an internal storage unit of the electronic device and an external storage device. The memory 11 can not only be used to store application software and various types of data installed in the electronic device, such as the code of the digital debt certificate circulation and deposit program based on the blockchain, but also can be used to temporarily store data that has been output or is to be output.

[0130] The communication bus 12 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. The bus is configured to realize connection and communication between the memory 11 and at least one processor 10, etc.

[0131] The communication interface 13 is used for communication between the above-mentioned electronic device and other devices, including a network interface and a user interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is generally used to establish a communication connection between the electronic device and other electronic devices. The user interface may be a display (Display), an input unit (such as a keyboard (Keyboard)), and optionally, the user interface may also be a standard wired interface, a wireless interface. Optionally, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, and an OLED (Organic Light-Emitting Diode, organic light-emitting diode) touch device, etc. Among them, the display may also be appropriately referred to as a display screen or a display unit, which is used to display information processed in the electronic device and to display a visual user interface.

[0132] The figure only shows an electronic device with components. Those skilled in the art will understand that the structure shown in the figure does not constitute a limitation on the electronic device, and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0133] For example, although not shown, the electronic device may also include a power source (such as a battery) for supplying power to each component. Preferably, the power source may be logically connected to the at least one processor 10 through a power management device, so that the power management device can realize functions such as charging management, discharging management, and power consumption management. The power source may also include one or more DC or AC power sources, recharging devices, power failure detection circuits, power converters or inverters, power status indicators, and other arbitrary components. The electronic device may also include a variety of sensors, Bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

[0134] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0135] The blockchain-based digital debt certificate circulation and storage program stored in the memory 11 of the electronic device is a combination of multiple instructions. When running in the processor 10, it can achieve:

[0136] Generate a digital creditor's rights certificate according to a preset financial transaction request, and record the creditor's rights transfer information of the digital creditor's rights certificate in each creditor's rights transfer process;

[0137] Extracting trade background data, user behavior data, and electronic signature agreement data in each debt transfer process from the debt transfer information;

[0138] Calculate the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data respectively;

[0139] According to the creditor's rights transfer process corresponding to the digital creditor's rights certificate, the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are associated with each other;

[0140] The hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are stored on the blockchain one by one according to the associated storage addresses.

[0141] Specifically, the specific implementation method of the processor 10 for the above instructions can refer to the description of the relevant steps in the corresponding embodiment of the accompanying drawings, which will not be repeated here.

[0142] Furthermore, if the module / unit integrated in the electronic device is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. The computer-readable storage medium can be volatile or non-volatile. For example, the computer-readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a USB flash drive, a mobile hard disk, a magnetic disk, an optical disk, a computer memory, and a read-only memory (ROM).

[0143] The present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor of an electronic device, the computer program can implement:

[0144] Generate a digital creditor's rights certificate according to a preset financial transaction request, and record the creditor's rights transfer information of the digital creditor's rights certificate in each creditor's rights transfer process;

[0145] Extracting trade background data, user behavior data, and electronic signature agreement data in each debt transfer process from the debt transfer information;

[0146] Calculate the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data respectively;

[0147] According to the creditor's rights transfer process corresponding to the digital creditor's rights certificate, the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are associated with each other;

[0148] The hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are stored on the blockchain one by one according to the associated storage addresses.

[0149] In the several embodiments provided by the present invention, it should be understood that the disclosed devices, media and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative, for example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

[0150] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0151] In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0152] It is obvious to those skilled in the art that the present invention is not limited to the details of the above exemplary embodiments, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0153] Therefore, no matter from which point of view, the embodiments should be regarded as illustrative and non-restrictive, and the scope of the present invention is not limited only according to the above description, and it is intended that all changes within the meaning and scope of equivalent elements within the scope of protection are included in the present invention.

[0154] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0155] In addition, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the system can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

[0156] Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present invention can be modified or replaced by equivalents without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. A blockchain-based digital debt certificate circulation and evidence storage method, characterized in that: The method comprises: Generate a digital creditor's rights certificate according to a preset financial transaction request, and record the creditor's rights transfer information of the digital creditor's rights certificate in each creditor's rights transfer process; Extracting trade background data, user behavior data, and electronic signature agreement data in each debt transfer process from the debt transfer information; Calculate the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data respectively; According to the creditor's rights transfer process corresponding to the digital creditor's rights certificate, the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are associated with each other; The hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data are stored on the blockchain one by one according to the associated storage addresses.

2. The blockchain-based digital debt certificate circulation and storage method according to claim 1 is characterized in that: The generating of a digital debt certificate according to a preset financial transaction request includes: Extracting transaction parameters from a preset financial transaction request; Determining debt certificate data according to the transaction parameters; The creditor's rights certificate data is filled into a preset digital creditor's rights certificate template to obtain a digital creditor's rights certificate corresponding to the financial transaction request.

3. The blockchain-based digital debt certificate circulation and storage method according to claim 1 is characterized in that: The creditor's rights transfer information recorded in the digital creditor's rights certificate in each creditor's rights transfer process includes: Verifying the voucher status of the digital creditor's rights voucher, and when the verified digital creditor's rights voucher is in a valid state, obtaining a creditor's rights transfer request in each creditor's rights transfer process; Perform identity verification on the transferor corresponding to the claim transfer request, and verify the transfer transaction conditions in the claim transfer request; When the identity verification of the transferor is successful and the transfer transaction conditions meet the preset transaction transfer conditions, the transfer data of the digital creditor's rights certificate is generated according to the creditor's rights transfer request; The digital debt certificate is updated according to the transfer data, and the debt transfer information in each debt transfer process is recorded according to the updated digital debt certificate and the transfer data.

4. The blockchain-based digital debt certificate circulation and storage method according to claim 1 is characterized in that: The extracting of trade background data, user behavior data, and electronic signature agreement data in each debt transfer process from the debt transfer information includes: Extracting a business data snapshot of the financial product corresponding to the creditor's rights transfer information; Filtering trade background data in the creditor's rights transfer information according to preset trade background key fields; Extracting transaction operation logs from the creditor's rights transfer information, and determining user behavior data in each creditor's rights transfer process according to the transaction operation logs; The signature data is determined according to the business data snapshot, and the electronic signature agreement data in each debt transfer process is extracted according to the signature data.

5. The blockchain-based digital debt certificate circulation and storage method according to claim 4 is characterized in that: The extracting of the business data snapshot of the financial product corresponding to the creditor's rights circulation information includes: Determine key business nodes based on the business process of the financial product; Record the node trigger data status corresponding to the key business nodes in the financial product; When the node trigger data state is in the trigger state, the key business data corresponding to the key business node is extracted, and a business data snapshot corresponding to the key business data is captured.

6. The blockchain-based digital debt certificate circulation and storage method according to claim 1 is characterized in that: The calculating the hash value corresponding to the trade background data includes: Standardizing the data type of the trade background data; Converting the standardized trade background data into a trade background byte stream; The hash value of the trade background byte stream is calculated using the following preset hash function: H = hash(x) Wherein, H is the hash value, hash is the hash function, and x is the trade background byte stream.

7. The blockchain-based digital debt certificate circulation and storage method according to claim 1 is characterized in that: The process of associating the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data according to the creditor's rights transfer process corresponding to the digital creditor's rights certificate includes: Calculate the hash value corresponding to the business data snapshot in each claim transfer process, and extract the storage address of the hash value corresponding to the business data snapshot; Extract the storage address of the hash value corresponding to the trade background data, the user behavior data and the electronic signature agreement data in each debt transfer process; Create address index data blocks for the storage addresses of the hash values ​​corresponding to the business data snapshot and the storage addresses of the hash values ​​corresponding to the trade background data, the user behavior data, and the electronic signature agreement data; The address index numbers in the address index block are associated with the storage addresses one by one through the address index addresses in the address index block in order from small to large.

8. The blockchain-based digital debt certificate circulation and storage method according to claim 1 is characterized in that: The storing of the hash values ​​corresponding to the trade background data, the user behavior data and the electronic signature agreement data on the blockchain one by one according to the associated storage addresses includes: Determine the storage-associated data block on the blockchain according to the associated storage address; Calculating the address distance in the storage associated data block; When the storage data block corresponding to the storage address has been stored and the address distance is greater than a preset distance threshold, selecting the next storage address corresponding to the storage address one by one; updating the storage-associated data block according to the next storage address, and returning to the step of calculating the address distance in the storage-associated data block, until a storage address not stored by data is selected and the address distance of the updated storage-associated data block is less than or equal to a preset distance threshold; When a storage address where no data is stored is selected and the address distance of the updated storage-related data block is less than or equal to the preset distance threshold, the hash values ​​corresponding to the trade background data, the user behavior data, the electronic signature agreement data, and the hash value corresponding to the business data snapshot are allocated one by one to the storage-related data block of the updated blockchain according to the storage address where no data is stored.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the blockchain-based digital debt certificate circulation and storage method as described in any one of claims 1 to 8.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by the processor, the blockchain-based digital debt certificate circulation and storage method as described in any one of claims 1 to 8 is implemented.

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