Fund supervision method and device, computer readable storage medium and electronic equipment

Abstract

The invention provides a fund supervision method and device, a computer readable storage medium and electronic equipment. The method comprises the steps that multiple fund supervisors are determined, an alliance chain of the multiple fund supervisors is established, the fund supervisors represent subjects participating in fund supervision and at least comprise a management party, an auditing party and a financial institution, and the alliance chain comprises block chain nodes corresponding to the fund supervisors and the connection relation between the multiple block chain nodes; each fund supervisor corresponds to one block chain node; the supervision information of the fund supervisor corresponding to each block chain node is written into the alliance chain, and all the supervision information is shared through the alliance chain; and comparing whether the expenditure fund and the income fund are consistent, determining that the fund flow direction is normal if the expenditure fund and the income fund are consistent, determining that the fund flow direction is abnormal if the expenditure fund and the income fund are not consistent, and generating abnormal early warning information to warn that the fund flow direction is abnormal. According to the invention, the problem of incomplete fund supervision in the prior art is solved.

Description

Technical Field

[0001] The present application relates to the technical field of project management, and in particular to a fund supervision method, device, computer-readable storage medium and electronic device. Background Art

[0002] At present, most fund supervision systems are designed with two-level supervision by fund users and fund supervisors. Fund users store fund usage data in the supervision system, and fund supervisors supervise fund usage by checking relevant data uploaded by fund users.

[0003] The existing technology does not consider the use of financial institution systems in the regulatory system. The information source is only the user of funds, and the data is relatively isolated. It is impossible to conduct correlation analysis on relevant information such as the account flow of the financial institution of the user of funds. In addition, the regulatory function design of most current fund supervision systems is that the supervisor manually checks and inspects the fund operation data of the user of funds. If the whereabouts of funds are found to be abnormal, the actual cost of recovery is very high, and the flow of funds cannot be tracked in real time. In addition, most of the fund supervision systems with complex regulatory business adopt B / S architecture, store the logic and data of the application on the server, and the client (browser) requests data and interacts through the network. This method cannot fully guarantee the reliability of the data source and the security of data storage. At present, the information source of most fund supervision systems is only the user of funds, and the data is relatively isolated. All the flow information of the financial institution of the user's account is not supervised, and it is impossible to conduct correlation analysis and early warning of related data. Summary of the invention

[0004] The main purpose of this application is to provide a fund supervision method, device, computer-readable storage medium and electronic device to at least solve the problem of incomplete fund supervision in the prior art.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a fund supervision method is provided, including: determining multiple fund supervisors and establishing a consortium chain of multiple fund supervisors, wherein the fund supervisors represent the entities participating in fund supervision and at least include management parties, auditors and financial institutions, and the consortium chain includes blockchain nodes corresponding to each of the fund supervisors and connection relationships between the multiple blockchain nodes, and each of the fund supervisors corresponds to one blockchain node; writing the supervision information of the fund supervisor corresponding to each of the blockchain nodes into the consortium chain, and sharing all the supervision information through the consortium chain, wherein the supervision information at least includes expenditure funds and income funds supervised by each of the fund supervisors; comparing whether the expenditure funds and the income funds are consistent, and if they are consistent, determining that the fund flow is normal, and if they are inconsistent, determining that the fund flow is abnormal, and generating abnormal warning information to warn that there is an abnormality in the fund flow.

[0006] Optionally, multiple fund regulators are determined and a consortium chain of multiple fund regulators is established, including: establishing a management party blockchain node corresponding to the management party, establishing an auditor blockchain node corresponding to the auditor, and establishing a financial institution blockchain node corresponding to the financial institution; using an encryption algorithm to authenticate the identity of each blockchain node corresponding to the fund regulator, and when the identity authentication of the fund regulator is passed, each blockchain node is connected according to the protocol between the blockchain nodes to obtain the consortium chain.

[0007] Optionally, the supervision information of the fund regulator corresponding to each blockchain node is written into the alliance chain, including: obtaining the cooperation agreement of each fund regulator, and writing the cooperation agreement into the alliance chain through the manager blockchain node corresponding to the manager, wherein the cooperation agreement at least includes the cooperation amount; obtaining fund budget information, and writing the fund budget information into the alliance chain through the manager blockchain node, wherein the fund budget information at least includes the project name and the project fund budget; obtaining payment information, and writing the payment information into the alliance chain through the manager blockchain node, wherein the payment information at least includes the payment account number and the payment amount.

[0008] Optionally, writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain also includes: auditing the payment information of the manager through the auditor to obtain an audit result, and generating fund disbursement information when the audit result indicates that the audit is passed, wherein the fund disbursement information includes at least payer information and payee information; and writing the audit result and the fund disbursement information into the alliance chain through the auditor node corresponding to the auditor.

[0009] Optionally, writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain also includes: allocating funds through the financial institution according to the fund allocation information, and generating allocation information, wherein the allocation information at least includes the payer information and the payee information; and writing the allocation information into the alliance chain through the financial institution node corresponding to the financial institution.

[0010] Optionally, the method further includes: querying the fund flow information of the manager through the financial institution at a predetermined frequency, writing the fund flow information into the alliance chain, and sharing the fund flow information through the alliance chain, wherein the fund flow information includes at least a transaction serial number and a transaction amount.

[0011] Optionally, after generating the abnormal warning information, the method further includes: sending the abnormal warning information to the management party and the auditor, so that the management party and the auditor track the abnormal fund information to process the abnormal fund information.

[0012] According to another aspect of the present application, a fund supervision device is provided, including: an establishment unit, used to determine multiple fund supervisors and establish a consortium chain of multiple fund supervisors, wherein the fund supervisors represent the entities participating in fund supervision and at least include management parties, auditors and financial institutions, and the consortium chain includes blockchain nodes corresponding to each of the fund supervisors and connection relationships between multiple blockchain nodes, and each of the fund supervisors corresponds to one blockchain node; a sharing unit, used to write the supervision information of the fund supervisor corresponding to each of the blockchain nodes into the consortium chain, and share all of the supervision information through the consortium chain, wherein the supervision information at least includes expenditure funds and income funds supervised by each of the fund supervisors; a generation unit, used to compare whether the expenditure funds and the income funds are consistent, and if they are consistent, determine that the fund flow is normal, and if they are inconsistent, determine that the fund flow is abnormal, and generate abnormal warning information to warn that there is an abnormality in the fund flow.

[0013] According to another aspect of the present application, a computer-readable storage medium is provided, wherein the computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute any one of the fund supervision methods.

[0014] According to another aspect of the present application, an electronic device is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include means for executing any one of the fund supervision methods described.

[0015] Apply the technical solution of this application, determine multiple fund regulators and establish alliance chains of multiple fund regulators. The fund regulators represent the subjects participating in fund supervision and at least include the management party, the audit party and the financial institution. The alliance chain includes the connection relationship between the blockchain nodes corresponding to each fund regulator and the multiple blockchain nodes, and each fund regulator corresponds to a blockchain node; the supervision information of the fund regulator corresponding to each blockchain node is written into the alliance chain, and all supervision information is shared through the alliance chain. The supervision information at least includes the expenditure funds and income funds supervised by each fund regulator; compare whether the expenditure funds and income funds are consistent. In the case of consistency, determine that the fund flow is normal. In the case of inconsistency, determine that the fund flow is abnormal, and generate abnormal warning information to warn that the fund flow is abnormal. Compared with the prior art, the fund supervision system cannot supervise the flow information of all financial institutions of the fund user account, and there is a problem of incomplete fund supervision. This application connects multiple fund regulators through the alliance chain, and warns of abnormal fund flows, accurately supervises fund information and trends, and avoids risks such as fund abuse. Therefore, it can solve the problem of incomplete fund supervision in the prior art and achieve the effect of comprehensive supervision of funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The drawings constituting part of the present application are used to provide a further understanding of the present application. The exemplary embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0017] Figure 1 A hardware structure block diagram of a mobile terminal for executing a fund supervision method provided in an embodiment of the present application is shown;

[0018] Figure 2 A schematic diagram of a flow chart of a fund supervision method provided in an embodiment of the present application is shown;

[0019] Figure 3 A schematic diagram of a blockchain-based fund supervision system provided in an embodiment of the present application is shown;

[0020] Figure 4 A schematic diagram of a specific fund supervision method provided in an embodiment of the present application is shown;

[0021] Figure 5 A structural block diagram of a fund supervision device provided in an embodiment of the present application is shown.

[0022] The above drawings include the following reference numerals:

[0023] 102, processor; 104, memory; 106, transmission device; 108, input and output devices. DETAILED DESCRIPTION

[0024] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0025] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0026] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0027] For the convenience of description, some nouns or terms involved in the embodiments of the present application are explained below:

[0028] Blockchain: Blockchain technology is a new distributed infrastructure and computing paradigm that uses a block chain data structure to verify and store data, a distributed node consensus algorithm to generate and update data, and cryptography to ensure the security of data transmission and access. The data or information stored in it has the characteristics of "unforgeable", "full traceability", "traceable", "open and transparent", and "collectively maintained".

[0029] Consortium chain: Each node of the consortium chain must be authenticated and authorized before joining the blockchain network. The nodes in the consortium chain participate in the ledger maintenance as needed according to the transaction submission method and consensus mechanism of the blockchain, and have weak decentralization characteristics. Since the consortium chain is a cluster composed of multiple private chains, only authorized participants are allowed to join the network, the network scale is small, and the system can ensure transaction speed and reduce maintenance costs.

[0030] Consensus verification: The consensus mechanism is an important component of blockchain technology. The consensus mechanism is the way for all accounting nodes in the blockchain to determine whether a record is valid. This is both a means of identification and a means of preventing tampering. The goal of the consensus mechanism is to enable all honest nodes to maintain a consistent view of the blockchain while satisfying two properties: consistency: the data stored by all honest nodes is exactly the same; validity: the information published by an honest node will eventually be recorded by other honest nodes in their own blockchains.

[0031] Decentralization: Decentralization is the most prominent and essential feature of blockchain. Blockchain technology does not rely on additional third-party management agencies or hardware facilities, and has no central control. Through distributed accounting and storage, each node realizes self-verification, transmission and management of information. Consensus mechanism, as its basic technology, enables blockchain to get rid of the trust of centralized institutions, thus solving the trust problem that occurs on traditional networks.

[0032] Asymmetric encryption algorithm: Blockchain uses asymmetric encryption algorithms to improve the trustworthiness of data, mainly used for information encryption and identity authentication. Unlike symmetric encryption algorithms, asymmetric encryption algorithms require two keys: a public key and a private key. The public key and the private key are a pair. If the data is encrypted with the public key, it can only be decrypted with the corresponding private key; if the data is encrypted with the private key, it can only be decrypted with the corresponding public key. Because two different keys are used for encryption and decryption, this algorithm is called an asymmetric encryption algorithm.

[0033] As introduced in the background technology, the funds supervision system in the prior art cannot supervise all financial institution transaction information of the fund user's account, and the funds supervision is incomplete. To solve the problem of incomplete funds supervision, the embodiments of the present application provide a funds supervision method, device, computer-readable storage medium and electronic device.

[0034] The technical solutions in the embodiments of the present invention will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present invention.

[0035] 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 diagram of a mobile terminal of a fund supervision method according to an embodiment of the present invention. Figure 1 As shown, the mobile terminal may include one or more ( Figure 1Only 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 shown.

[0036] 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 fund supervision method 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, the above method is implemented. 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 can be connected to the mobile terminal via a network. Examples of the above-mentioned network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof. The transmission device 106 is used to receive or send data via a network. The above-mentioned specific examples of the 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 may be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0037] In this embodiment, a fund supervision method running on a mobile terminal, a computer terminal or a similar computing device is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0038] Figure 2 Flowchart of the fund supervision method according to the embodiment of the present application. Figure 2 As shown, the method comprises the following steps:

[0039] Step S201, determining multiple fund supervisors and establishing a consortium chain of multiple fund supervisors, wherein the fund supervisors represent entities participating in fund supervision and include at least management parties, review parties, and financial institutions, and the consortium chain includes a blockchain node corresponding to each of the fund supervisors and a connection relationship between the multiple blockchain nodes, and each of the fund supervisors corresponds to one blockchain node;

[0040] Specifically, the participants of the supervision system of project construction funds can include contractors, supervisors, financial institutions and suppliers. The management party is also called the contractor, and the review party is also called the supervisor. The contractor can refer to the unit that undertakes the construction of the construction project; the supervisor refers to the unit that has management and supervision responsibilities for the relevant operations of the contractor; the supplier refers to the enterprise or individual that provides goods / services to the contractor according to the contract (such as providing machinery leasing, labor, materials, etc.). The contractor uploads the contract information in the system, applies for the monthly budget, and pays the amount to the supplier in the system; the supervisor reviews the contractor's payment information, approves the contractor's payment amount, and uploads the budget fund allocation information to the system; the system initiates an inter-account transfer request to the financial institution based on the supervisor's fund allocation information; after receiving the request, the financial institution allocates funds to the supplier through the financial institution system based on the audited fund allocation information, and uploads all the flow information belonging to the contractor's account to the system; after the system automatically compares and matches the flow information, it generates an early warning message and sends it to the contractor and the supervisor. Among the four types of participants, the supplier is only the recipient of the transfer between accounts, and the contractor has included its information in the contract uploaded. In order to improve the efficiency of blockchain consensus, the supplier does not participate in the construction of the blockchain as a blockchain node.

[0041] Therefore, the contractor, regulator, and financial institution are used as nodes of the blockchain, and a consortium chain is built between each node to form a blockchain business platform used uniformly by all participants in fund supervision; the contract, budget, fund disbursement and other information are stored in the blockchain and verified by consensus, so that the core transaction information can flow between different nodes; the fund disbursement situation and the contractor's account flow information are analyzed, monitored and warned. It enables all participants in fund supervision to operate on a uniformly built system platform, and use consortium chain technology to put core information such as contracts, budgets, and fund disbursement on the chain to ensure that the information is open, transparent, and not tampered with, and to monitor the flow of fund transfers in real time, warn of abnormal account flows, and accurately supervise fund information and directions.

[0042] Step S202, writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, and sharing all the supervision information through the alliance chain, wherein the supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor;

[0043] Specifically, the supervision information may include the contractor's contract information, budget application information, and payment information. The payment information refers to the above-mentioned expenditure and income funds, as well as the supervisor's review information, fund allocation information, and financial institution flow information. In other words, each blockchain node uploads its own supervision information and shares it among the alliance chains.

[0044] Step S203, compare whether the expenditure funds and the income funds are consistent. If they are consistent, determine that the flow of funds is normal. If they are inconsistent, determine that the flow of funds is abnormal, and generate abnormal warning information to warn that there is an abnormality in the flow of funds.

[0045] Specifically, the fund supervision system automatically compares and matches the flow information of all financial institutions in the contractor's account with the contractor's payment information, that is, compares whether the expenditure funds are consistent with the income funds, generates warning messages for abnormal flow conditions, and publishes the warning information to the blockchain to notify the corresponding contractor and supervisor. Monitor and track each expenditure of the contractor's account to ensure that the funds are reasonably allocated and used by the contractor after they are allocated.

[0046] Through this embodiment, multiple fund supervisors are determined and alliance chains of multiple fund supervisors are established. The fund supervisors represent the subjects participating in fund supervision and at least include the management party, the audit party and the financial institution. The alliance chain includes the connection relationship between the blockchain nodes corresponding to each fund supervisor and the multiple blockchain nodes. Each fund supervisor corresponds to a blockchain node; the supervision information of the fund supervisor corresponding to each blockchain node is written into the alliance chain, and all supervision information is shared through the alliance chain. The supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor; compare whether the expenditure funds and income funds are consistent. In the case of consistency, it is determined that the fund flow is normal. In the case of inconsistency, it is determined that the fund flow is abnormal, and abnormal warning information is generated to warn that the fund flow is abnormal. Compared with the prior art, the fund supervision system cannot supervise the flow information of all financial institutions of the fund user account, and there is a problem of incomplete fund supervision. This application connects multiple fund supervisors through the alliance chain, and warns of abnormal fund flows, accurately supervises fund information and trends, and avoids risks such as fund abuse. Therefore, it can solve the problem of incomplete fund supervision in the prior art and achieve the effect of comprehensive supervision of funds.

[0047] In the specific implementation process, the above step S201 determines multiple fund regulators and establishes multiple alliance chains of the fund regulators, which can be achieved through the following steps: Step S2011: Establish the management party blockchain node corresponding to the management party, establish the audit party blockchain node corresponding to the audit party, and establish the financial institution blockchain node corresponding to the financial institution; Step S2012: Use an encryption algorithm to authenticate the blockchain node corresponding to each of the fund regulators, and when the identity authentication of the fund regulator passes, connect each of the blockchain nodes according to the protocol between the blockchain nodes to obtain the alliance chain. The method establishes an alliance chain through the above steps, so that multiple fund regulators can jointly supervise funds.

[0048] Specifically, determine the nodes corresponding to each fund regulator involved in fund supervision, and use the management party, the audit party and the financial institution as nodes of the blockchain respectively, build a consortium chain, and realize multi-party data sharing. And use encryption algorithms such as asymmetric encryption algorithms to verify the identity of the node. Only when the verification is passed can it join the consortium chain, which can prevent the identity of the blockchain node from being impersonated and ensure the authenticity of the operation of the participant. Each node joins or exits the blockchain after authorization. The protocol can be the Ethereum blockchain protocol. According to the protocol, a consortium chain is built between the management party, the audit party and the nodes of the financial institution. Each node needs to reach an agreement and abide by the rules together. Different nodes can view the information on the chain according to their permissions. The system allows these participating nodes to read and send data. The nodes of each participating party form a coalition with related interests to jointly maintain the healthy operation of the blockchain. The management party node is allowed to upload contract information, budget information, and payment information, and is allowed to read the audit party information and warning information; the audit party node is allowed to upload the audit information and fund disbursement information of the management party's payment information, and is allowed to read the management party's contract, budget, payment information and warning information; the financial institution node is allowed to read the audit party's fund disbursement information and inter-account transfer requests, and is allowed to upload the financial institution flow information of the management party's account. The alliance chain composed of the above steps enables all participants in fund supervision to operate on a unified collaborative platform, realizing reliable and secure sharing of multi-party data. The establishment of the alliance chain enables all participants in fund supervision to operate on a unified collaborative platform, realizing reliable and secure sharing of multi-party data.

[0049] In some optional implementations, the above step S202 writes the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, which can be achieved by the following steps: Step S2021: Obtain the cooperation agreement of each fund supervisor, and write the cooperation agreement into the alliance chain through the management party blockchain node corresponding to the management party, wherein the cooperation agreement at least includes the cooperation amount; Step S2022: Obtain the fund budget information, and write the fund budget information into the alliance chain through the management party blockchain node, wherein the fund budget information at least includes the project name and the project fund budget; Step S2023: Obtain the payment information, and write the payment information into the alliance chain through the management party blockchain node, wherein the payment information at least includes the payment account number and the payment amount. Through the above steps, the method writes the fund information that each supervisor needs to supervise into the alliance chain for information sharing.

[0050] In the specific implementation process, the contract information is written into the alliance chain through the management node, and consensus verification is performed. The management node enters the cooperation agreement in the system, which can be a contract signed by multiple parties. The contract refers to the long-term cooperation agreement signed between the management party and the supplier. In this step, the contract information that needs to be stored on the chain includes: management party information (such as Party A's unit name, Party A's account information), supplier information (such as Party B's unit name, Party B's account information), contract amount, contract effective start and end dates, etc., and the system automatically generates a contract number. The management node uploads the contract information to the alliance chain, and all nodes in the alliance chain perform consensus verification. The budget application information is written into the alliance chain through the management node, and consensus verification is performed. The management node applies for the monthly budget based on the contract information. In this step, the budget information that needs to be stored on the chain includes: the contract number used, the project name, the project funding budget, etc., and the system automatically generates a budget number. The budget is used by the management party user to pay the amount to the supplier financial institution account in the contract information. The management node writes the budget information into the alliance chain, and all nodes in the alliance chain perform consensus verification. The management node writes the payment amount information into the alliance chain and performs consensus verification. The management node uses the budget for the current month to pay the amount to the supplier's financial institution account. In this step, the payment information that needs to be stored on the chain includes the budget number of the budget used, the name of the payee, the payee account number, the payment amount, and remarks. The management node writes the payment information into the alliance chain, and all nodes in the alliance chain perform consensus verification.

[0051] In some optional implementations, the above step S202 writes the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, which can also be achieved by the following steps: Step S2024: The payment information of the manager is audited by the auditor to obtain an audit result, and when the audit result indicates that the audit is passed, fund disbursement information is generated, wherein the fund disbursement information includes at least payer information and payee information; Step S2025: The audit result and the fund disbursement information are written into the alliance chain through the auditor node corresponding to the auditor. The method writes the auditor's information into the alliance chain through the above steps, so that the alliance chain can share and supervise the auditor's information.

[0052] Specifically, the payment initiated by the manager is audited by the auditing node, and the audit information and fund transfer information are written into the alliance chain, and consensus verification is performed. The auditing node checks and audits the specific information of the payment initiated by the manager, and approves and annotates the payment information. After approval, the fund transfer information is generated, and the specific fund transfer information is uploaded to the blockchain for financial institutions to use as a basis for payment. In this step, the fund transfer information that needs to be stored on the chain includes: transaction amount, payer name, payer account number, payer account name, payee name, payee account number, payee account name, this or other bank identification, and approval and approval annotations. The auditing node writes the approval information and fund transfer information into the alliance chain, and all nodes in the alliance chain perform consensus verification.

[0053] In some other optional implementations, the above step S202 writes the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, which can also be achieved by the following steps: Step S2026: the financial institution allocates funds according to the fund allocation information and generates allocation information, wherein the allocation information at least includes the payer information and the payee information; Step S2027 writes the allocation information into the alliance chain through the financial institution node corresponding to the financial institution. This method writes the information of the financial institution into the alliance chain through the above steps, so that the information of the financial institution can be shared and supervised.

[0054] In the specific implementation process, the financial institution node pays the supplier according to the fund disbursement information in the system, writes the disbursement information into the alliance chain, and performs consensus verification. The financial institution reads the fund disbursement information in the system, pays the supplier (payee) account according to the payee account name and payee account name information in the information, writes the disbursement and receipt information into the alliance chain, and performs consensus verification. In this step, the disbursement information to be stored on the chain includes: payee account name and account number, payee account name and account number, transaction amount, transaction serial number, voucher number, etc. Based on the one-way hash algorithm, the information uploaded by each node will be verified, and the tampered information will be excluded by other nodes, so that all nodes can reach a consensus on the same version of the chain information to avoid information tampering. All the above steps write all the fund flow information of contract entry-budget application-amount payment-fund disbursement into the alliance chain, ensuring the reliability of the data and effectively supervising the fund flow of the entire chain.

[0055] In some other optional implementations, the method further includes the following steps: Step S204: querying the fund flow information of the management party through the financial institution at a predetermined frequency, writing the fund flow information into the alliance chain, and sharing the fund flow information through the alliance chain, wherein the fund flow information at least includes a transaction serial number and a transaction amount. The method supervises the flow amount through the above steps to jointly supervise the flow information of the project in the alliance chain.

[0056] In the specific implementation process, the financial institution node regularly queries all the fund flow information of the management party's account, writes the flow information into the alliance chain, and all nodes conduct consensus verification on the chain information. In this step, the fund flow information to be stored on the chain includes: the other party's account name, the other party's account number, the transaction serial number, the transaction amount, and the transaction serial number.

[0057] In some optional implementations, after generating the abnormal warning information, the method further comprises the following steps: sending the abnormal warning information to the management party and the auditing party, so that the management party and the auditing party track the abnormal fund information to process the abnormal fund information. The method supervises the abnormal funds through the above steps, so that the abnormal information can be tracked to avoid risks such as fund abuse.

[0058] Specifically, the system compares all transaction information of the manager's account with all payment amount information initiated by the manager, and compares whether all transaction information is consistent with the amount information or payee information of the payment information, or whether there is abnormal transaction information not covered by the payment information. If they are consistent, it is determined that the flow of funds in the supervised manager's account is normal; if they are inconsistent, it is determined that there is an abnormality in the flow of funds, and the system will generate abnormal warning information and send the above information to the manager and the auditor. The above steps constitute the step flow of the monitoring and early warning module. Through information comparison, the direction of funds can be accurately tracked, and each expenditure of the manager's account can be tracked and monitored.

[0059] In order to enable those skilled in the art to more clearly understand the technical solution of the present application, the implementation process of the fund supervision method of the present application will be described in detail below in combination with specific embodiments.

[0060] Figure 3 The structure diagram of a fund supervision system based on blockchain includes management, review, financial institutions and suppliers. Management uploads contract information, applies for the monthly budget and pays the supplier in the system. Review reviews the payment information of management, approves the payment amount and uploads the budget fund disbursement information to the system. The system initiates an inter-account transfer request to the financial institution based on the fund disbursement information of the reviewer. After receiving the request, the financial institution transfers funds to the supplier through the financial institution system based on the reviewed fund disbursement information and uploads all the transaction information of the management account to the system. After the system automatically compares and matches the transaction information, it generates an early warning message and sends it to the management and review. Among the four participating roles, the supplier is only the recipient of the inter-account transfer, and its information is included in the contract uploaded by the management. In order to improve the efficiency of blockchain consensus, suppliers do not participate in the construction of blockchain as blockchain nodes.

[0061] This embodiment relates to a specific fund supervision method, such as Figure 4 As shown, the following steps are included:

[0062] Step S1: Build a blockchain and use the contractor, regulator and financial institution as blockchain nodes;

[0063] Step S2: Build a consortium chain between nodes according to the agreement;

[0064] Step S3: The contract information (contractor information, supplier information, contract amount) is written into the alliance chain through the contractor node, and consensus verification is performed;

[0065] Step S4: The budget application information (contract number, budget item name, budget amount) is written into the alliance chain through the contractor node and consensus verification is performed;

[0066] Step S5: Write the payment amount information into the alliance chain through the contractor's node and perform consensus verification;

[0067] Step S6: The payment initiated by the contractor is reviewed through the supervisory node, the review information and fund disbursement information are written into the alliance chain, and consensus verification is performed;

[0068] Step S7: The financial institution node allocates funds to the supplier based on the fund allocation information, writes the allocation information into the alliance chain, and performs consensus verification;

[0069] Step S8: The financial institution node uploads the transaction information of the contractor's account to the alliance chain and performs consensus verification;

[0070] Step S9: Verify whether the transaction information of all financial institutions of the contractor is consistent with the payment information (amount or payee) in the system; if they are consistent, the supervised fund flow is normal; if they are inconsistent, the system generates an abnormal fund flow warning.

[0071] The present application embodiment also provides a fund supervision device. It should be noted that the fund supervision device of the present application embodiment can be used to execute the fund supervision method provided by the present application embodiment. The device is used to implement the above-mentioned embodiments and preferred implementation modes, and the descriptions thereof will not be repeated. As used below, the term "module" can implement a combination of software and / or hardware of a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0072] The following is an introduction to the fund supervision device provided in the embodiment of the present application.

[0073] Figure 5 Schematic diagram of a fund supervision device according to an embodiment of the present application. Figure 5 As shown, the device comprises:

[0074] An establishing unit 10 is used to determine a plurality of fund supervisors and establish a consortium chain of the plurality of fund supervisors, wherein the fund supervisors represent entities participating in fund supervision and include at least management parties, review parties, and financial institutions, and the consortium chain includes a blockchain node corresponding to each of the fund supervisors and a connection relationship between the plurality of blockchain nodes, and each of the fund supervisors corresponds to one blockchain node;

[0075] Specifically, the participants of the supervision system of project construction funds can include contractors, supervisors, financial institutions and suppliers. The management party is also called the contractor, and the review party is also called the supervisor. The contractor can refer to the unit that undertakes the construction of the construction project; the supervisor refers to the unit that has management and supervision responsibilities for the relevant operations of the contractor; the supplier refers to the enterprise or individual that provides goods / services to the contractor according to the contract (such as providing machinery leasing, labor, materials, etc.). The contractor uploads the contract information in the system, applies for the monthly budget, and pays the amount to the supplier in the system; the supervisor reviews the contractor's payment information, approves the contractor's payment amount, and uploads the budget fund allocation information to the system; the system initiates an inter-account transfer request to the financial institution based on the supervisor's fund allocation information; after receiving the request, the financial institution allocates funds to the supplier through the financial institution system based on the audited fund allocation information, and uploads all the flow information belonging to the contractor's account to the system; after the system automatically compares and matches the flow information, it generates an early warning message and sends it to the contractor and the supervisor. Among the four types of participants, the supplier is only the recipient of the transfer between accounts, and the contractor has included its information in the contract uploaded. In order to improve the efficiency of blockchain consensus, the supplier does not participate in the construction of the blockchain as a blockchain node.

[0076] Therefore, the contractor, regulator, and financial institution are used as nodes of the blockchain, and a consortium chain is built between each node to form a blockchain business platform used uniformly by all participants in fund supervision; the contract, budget, fund disbursement and other information are stored in the blockchain and verified by consensus, so that the core transaction information can flow between different nodes; the fund disbursement situation and the contractor's account flow information are analyzed, monitored and warned. It enables all participants in fund supervision to operate on a uniformly built system platform, and use consortium chain technology to put core information such as contracts, budgets, and fund disbursement on the chain to ensure that the information is open, transparent, and not tampered with, and to monitor the flow of fund transfers in real time, warn of abnormal account flows, and accurately supervise fund information and directions.

[0077] A sharing unit 20 is used to write the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, and share all the supervision information through the alliance chain, wherein the supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor;

[0078] Specifically, the supervision information may include the contractor's contract information, budget application information, and payment information. The payment information refers to the above-mentioned expenditure and income funds, as well as the supervisor's review information, fund allocation information, and financial institution flow information. In other words, each blockchain node uploads its own supervision information and shares it among the alliance chains.

[0079] The generating unit 30 is used to compare whether the expenditure funds and the income funds are consistent. If they are consistent, it is determined that the flow of funds is normal. If they are inconsistent, it is determined that the flow of funds is abnormal, and abnormal warning information is generated to warn that there is an abnormality in the flow of funds.

[0080] Specifically, the fund supervision system automatically compares and matches the flow information of all financial institutions in the contractor's account with the contractor's payment information, that is, compares whether the expenditure funds are consistent with the income funds, generates warning messages for abnormal flow conditions, and publishes the warning information to the blockchain to notify the corresponding contractor and supervisor. Monitor and track each expenditure of the contractor's account to ensure that the funds are reasonably allocated and used by the contractor after they are allocated.

[0081] Through this embodiment, multiple fund supervisors are determined and alliance chains of multiple fund supervisors are established. The fund supervisors represent the subjects participating in fund supervision and at least include the management party, the audit party and the financial institution. The alliance chain includes the connection relationship between the blockchain nodes corresponding to each fund supervisor and the multiple blockchain nodes. Each fund supervisor corresponds to a blockchain node; the supervision information of the fund supervisor corresponding to each blockchain node is written into the alliance chain, and all supervision information is shared through the alliance chain. The supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor; compare whether the expenditure funds and income funds are consistent. In the case of consistency, it is determined that the fund flow is normal. In the case of inconsistency, it is determined that the fund flow is abnormal, and abnormal warning information is generated to warn that the fund flow is abnormal. Compared with the prior art, the fund supervision system cannot supervise the flow information of all financial institutions of the fund user account, and there is a problem of incomplete fund supervision. This application connects multiple fund supervisors through the alliance chain, and warns of abnormal fund flows, accurately supervises fund information and trends, and avoids risks such as fund abuse. Therefore, it can solve the problem of incomplete fund supervision in the prior art and achieve the effect of comprehensive supervision of funds.

[0082] In the specific implementation process, the establishment unit includes a first establishment module and a verification module. The first establishment module is used to establish the management party blockchain node corresponding to the management party, the audit party blockchain node corresponding to the audit party, and the financial institution blockchain node corresponding to the financial institution; the verification module is used to use an encryption algorithm to authenticate the identity of each blockchain node corresponding to the fund supervisor. When the identity authentication of the fund supervisor is passed, the blockchain nodes are connected according to the protocol between the blockchain nodes to obtain the alliance chain. The device establishes an alliance chain through the above steps, so that multiple fund supervisors can jointly supervise the funds.

[0083] Specifically, determine the nodes corresponding to each fund regulator involved in fund supervision, and use the management party, the audit party and the financial institution as nodes of the blockchain respectively, build a consortium chain, and realize multi-party data sharing. And use encryption algorithms such as asymmetric encryption algorithms to verify the identity of the node. Only when the verification is passed can it join the consortium chain, which can prevent the identity of the blockchain node from being impersonated and ensure the authenticity of the operation of the participant. Each node joins or exits the blockchain after authorization. The protocol can be the Ethereum blockchain protocol. According to the protocol, a consortium chain is built between the management party, the audit party and the nodes of the financial institution. Each node needs to reach an agreement and abide by the rules together. Different nodes can view the information on the chain according to their permissions. The system allows these participating nodes to read and send data. The nodes of each participating party form a coalition with related interests to jointly maintain the healthy operation of the blockchain. The management party node is allowed to upload contract information, budget information, and payment information, and is allowed to read the audit party information and warning information; the audit party node is allowed to upload the audit information and fund disbursement information of the management party's payment information, and is allowed to read the management party's contract, budget, payment information and warning information; the financial institution node is allowed to read the audit party's fund disbursement information and inter-account transfer requests, and is allowed to upload the financial institution flow information of the management party's account. The alliance chain composed of the above steps enables all participants in fund supervision to operate on a unified collaborative platform, realizing reliable and secure sharing of multi-party data. The establishment of the alliance chain enables all participants in fund supervision to operate on a unified collaborative platform, realizing reliable and secure sharing of multi-party data.

[0084] In some optional implementations, the sharing unit includes a first writing module, a second writing module, and a third writing module. The first writing module is used to obtain the cooperation agreement of each of the fund supervisors, and write the cooperation agreement into the alliance chain through the management party blockchain node corresponding to the management party, wherein the cooperation agreement at least includes the cooperation amount; the second writing module is used to obtain the fund budget information, and write the fund budget information into the alliance chain through the management party blockchain node, wherein the fund budget information at least includes the project name and the project fund budget; the third writing module is used to obtain the payment information, and write the payment information into the alliance chain through the management party blockchain node, wherein the payment information at least includes the payment account number and the payment amount. Through the above steps, the device writes the fund information that each supervisor needs to supervise into the alliance chain for information sharing.

[0085] In the specific implementation process, the contract information is written into the alliance chain through the management node, and consensus verification is performed. The management node enters the cooperation agreement in the system, which can be a contract signed by multiple parties. The contract refers to the long-term cooperation agreement signed between the management party and the supplier. In this step, the contract information that needs to be stored on the chain includes: management party information (such as Party A's unit name, Party A's account information), supplier information (such as Party B's unit name, Party B's account information), contract amount, contract effective start and end dates, etc., and the system automatically generates a contract number. The management node uploads the contract information to the alliance chain, and all nodes in the alliance chain perform consensus verification. The budget application information is written into the alliance chain through the management node, and consensus verification is performed. The management node applies for the monthly budget based on the contract information. In this step, the budget information that needs to be stored on the chain includes: the contract number used, the project name, the project funding budget, etc., and the system automatically generates a budget number. The budget is used by the management party user to pay the amount to the supplier financial institution account in the contract information. The management node writes the budget information into the alliance chain, and all nodes in the alliance chain perform consensus verification. The management node writes the payment amount information into the alliance chain and performs consensus verification. The management node uses the budget for the current month to pay the amount to the supplier's financial institution account. In this step, the payment information that needs to be stored on the chain includes the budget number of the budget used, the name of the payee, the payee account number, the payment amount, and remarks. The management node writes the payment information into the alliance chain, and all nodes in the alliance chain perform consensus verification.

[0086] In some optional implementations, the sharing unit further includes a first generation module and a fourth writing module, wherein the first generation module is used to audit the payment information of the management party through the audit party to obtain an audit result, and when the audit result indicates that the audit is passed, generate fund disbursement information, wherein the fund disbursement information includes at least payer information and payee information; and the fourth writing module is used to write the audit result and the fund disbursement information into the alliance chain through the audit party node corresponding to the audit party. The device writes the information of the audit party into the alliance chain through the above steps, so that the alliance chain can share and supervise the information of the audit party.

[0087] Specifically, the payment initiated by the manager is audited by the auditing node, and the audit information and fund transfer information are written into the alliance chain, and consensus verification is performed. The auditing node checks and audits the specific information of the payment initiated by the manager, and approves and annotates the payment information. After approval, the fund transfer information is generated, and the specific fund transfer information is uploaded to the blockchain for financial institutions to use as a basis for payment. In this step, the fund transfer information that needs to be stored on the chain includes: transaction amount, payer name, payer account number, payer account name, payee name, payee account number, payee account name, this or other bank identification, and approval and approval annotations. The auditing node writes the approval information and fund transfer information into the alliance chain, and all nodes in the alliance chain perform consensus verification.

[0088] In some other optional implementations, the sharing unit further includes a second generation module and a fifth writing module, step S2026: the financial institution makes an allocation according to the fund allocation information and generates allocation information, wherein the allocation information at least includes the payer information and the payee information; step S2027 writes the allocation information into the alliance chain through the financial institution node corresponding to the financial institution. The device writes the information of the financial institution into the alliance chain through the above steps, so that the information of the financial institution can be shared and supervised.

[0089] In the specific implementation process, the financial institution node pays the supplier according to the fund disbursement information in the system, writes the disbursement information into the alliance chain, and performs consensus verification. The financial institution reads the fund disbursement information in the system, pays the supplier (payee) account according to the payee account name and payee account name information in the information, writes the disbursement and receipt information into the alliance chain, and performs consensus verification. In this step, the disbursement information to be stored on the chain includes: payee account name and account number, payee account name and account number, transaction amount, transaction serial number, voucher number, etc. Based on the one-way hash algorithm, the information uploaded by each node will be verified, and the tampered information will be excluded by other nodes, so that all nodes can reach a consensus on the same version of the chain information to avoid information tampering. All the above steps write all the fund flow information of contract entry-budget application-amount payment-fund disbursement into the alliance chain, ensuring the reliability of the data and effectively supervising the fund flow of the entire chain.

[0090] In some other optional implementations, the device further includes a sharing unit, which is used to query the fund flow information of the management party through the financial institution at a predetermined frequency, write the fund flow information into the alliance chain, and share the fund flow information through the alliance chain, wherein the fund flow information at least includes a transaction serial number and a transaction amount. The device supervises the flow amount through the above steps to jointly supervise the flow information of the project in the alliance chain.

[0091] In the specific implementation process, the financial institution node regularly queries all the fund flow information of the management party's account, writes the flow information into the alliance chain, and all nodes conduct consensus verification on the chain information. In this step, the fund flow information to be stored on the chain includes: the other party's account name, the other party's account number, the transaction serial number, the transaction amount, and the transaction serial number.

[0092] In some optional implementations, after generating the abnormal warning information, the device further includes a sending unit for sending the abnormal warning information to the management party and the auditing party, so that the management party and the auditing party track the abnormal fund information to process the abnormal fund information. The device supervises abnormal funds through the above steps, so that abnormal information can be tracked to avoid risks such as fund abuse.

[0093] Specifically, the system compares all transaction information of the manager's account with all payment amount information initiated by the manager, and compares whether all transaction information is consistent with the amount information or payee information of the payment information, or whether there is abnormal transaction information not covered by the payment information. If they are consistent, it is determined that the flow of funds in the supervised manager's account is normal; if they are inconsistent, it is determined that there is an abnormality in the flow of funds, and the system will generate abnormal warning information and send the above information to the manager and the auditor. The above steps constitute the step flow of the monitoring and early warning module. Through information comparison, the direction of funds can be accurately tracked, and each expenditure of the manager's account can be tracked and monitored.

[0094] The fund supervision device includes a processor and a memory, and the establishment unit, sharing unit, and generation unit are all stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions. The modules are all located in the same processor; or, the modules are located in different processors in any combination.

[0095] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the problem of incomplete fund supervision in the prior art can be solved by adjusting kernel parameters.

[0096] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0097] An embodiment of the present invention provides a computer-readable storage medium, which includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute the fund supervision method.

[0098] Specifically, the fund supervision methods include:

[0099] Step S201, determining multiple fund supervisors and establishing a consortium chain of multiple fund supervisors, wherein the fund supervisors represent entities participating in fund supervision and include at least management parties, review parties, and financial institutions, and the consortium chain includes a blockchain node corresponding to each of the fund supervisors and a connection relationship between the multiple blockchain nodes, and each of the fund supervisors corresponds to one blockchain node;

[0100] Specifically, the participants of the supervision system of project construction funds can include contractors, supervisors, financial institutions and suppliers. The management party is also called the contractor, and the review party is also called the supervisor. The contractor can refer to the unit that undertakes the construction of the construction project; the supervisor refers to the unit that has management and supervision responsibilities for the relevant operations of the contractor; the supplier refers to the enterprise or individual that provides goods / services to the contractor according to the contract (such as providing machinery leasing, labor, materials, etc.). The contractor uploads the contract information in the system, applies for the monthly budget, and pays the amount to the supplier in the system; the supervisor reviews the contractor's payment information, approves the contractor's payment amount, and uploads the budget fund allocation information to the system; the system initiates an inter-account transfer request to the financial institution based on the supervisor's fund allocation information; after receiving the request, the financial institution allocates funds to the supplier through the financial institution system based on the audited fund allocation information, and uploads all the flow information belonging to the contractor's account to the system; after the system automatically compares and matches the flow information, it generates an early warning message and sends it to the contractor and the supervisor. Among the four types of participants, the supplier is only the recipient of the transfer between accounts, and the contractor has included its information in the contract uploaded. In order to improve the efficiency of blockchain consensus, the supplier does not participate in the construction of the blockchain as a blockchain node.

[0101] Therefore, the contractor, regulator, and financial institution are used as nodes of the blockchain, and a consortium chain is built between each node to form a blockchain business platform used uniformly by all participants in fund supervision; the contract, budget, fund disbursement and other information are stored in the blockchain and verified by consensus, so that the core transaction information can flow between different nodes; the fund disbursement situation and the contractor's account flow information are analyzed, monitored and warned. It enables all participants in fund supervision to operate on a uniformly built system platform, and use consortium chain technology to put core information such as contracts, budgets, and fund disbursement on the chain to ensure that the information is open, transparent, and not tampered with, and to monitor the flow of fund transfers in real time, warn of abnormal account flows, and accurately supervise fund information and directions.

[0102] Step S202, writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, and sharing all the supervision information through the alliance chain, wherein the supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor;

[0103] Specifically, the supervision information may include the contractor's contract information, budget application information, and payment information. The payment information refers to the above-mentioned expenditure and income funds, as well as the supervisor's review information, fund allocation information, and financial institution flow information. In other words, each blockchain node uploads its own supervision information and shares it among the alliance chains.

[0104] Step S203, compare whether the expenditure funds and the income funds are consistent. If they are consistent, determine that the flow of funds is normal. If they are inconsistent, determine that the flow of funds is abnormal, and generate abnormal warning information to warn that there is an abnormality in the flow of funds.

[0105] Specifically, the fund supervision system automatically compares and matches the flow information of all financial institutions in the contractor's account with the contractor's payment information, that is, compares whether the expenditure funds are consistent with the income funds, generates warning messages for abnormal flow conditions, and publishes the warning information to the blockchain to notify the corresponding contractor and supervisor. Monitor and track each expenditure of the contractor's account to ensure that the funds are reasonably allocated and used by the contractor after they are allocated.

[0106] An embodiment of the present invention provides an electronic device, including a processor, a memory, and a program stored in the memory and executable on the processor, wherein when the processor executes the program, at least the following steps are implemented:

[0107] Step S201, determining multiple fund supervisors and establishing a consortium chain of multiple fund supervisors, wherein the fund supervisors represent entities participating in fund supervision and include at least management parties, review parties, and financial institutions, and the consortium chain includes a blockchain node corresponding to each of the fund supervisors and a connection relationship between the multiple blockchain nodes, and each of the fund supervisors corresponds to one blockchain node;

[0108] Specifically, the participants of the supervision system of project construction funds can include contractors, supervisors, financial institutions and suppliers. The management party is also called the contractor, and the review party is also called the supervisor. The contractor can refer to the unit that undertakes the construction of the construction project; the supervisor refers to the unit that has management and supervision responsibilities for the relevant operations of the contractor; the supplier refers to the enterprise or individual that provides goods / services to the contractor according to the contract (such as providing machinery leasing, labor, materials, etc.). The contractor uploads the contract information in the system, applies for the monthly budget, and pays the amount to the supplier in the system; the supervisor reviews the contractor's payment information, approves the contractor's payment amount, and uploads the budget fund allocation information to the system; the system initiates an inter-account transfer request to the financial institution based on the supervisor's fund allocation information; after receiving the request, the financial institution allocates funds to the supplier through the financial institution system based on the audited fund allocation information, and uploads all the flow information belonging to the contractor's account to the system; after the system automatically compares and matches the flow information, it generates an early warning message and sends it to the contractor and the supervisor. Among the four types of participants, the supplier is only the recipient of the transfer between accounts, and the contractor has included its information in the contract uploaded. In order to improve the efficiency of blockchain consensus, the supplier does not participate in the construction of the blockchain as a blockchain node.

[0109] Therefore, the contractor, regulator, and financial institution are used as nodes of the blockchain, and a consortium chain is built between each node to form a blockchain business platform used uniformly by all participants in fund supervision; the contract, budget, fund disbursement and other information are stored in the blockchain and verified by consensus, so that the core transaction information can flow between different nodes; the fund disbursement situation and the contractor's account flow information are analyzed, monitored and warned. It enables all participants in fund supervision to operate on a uniformly built system platform, and use consortium chain technology to put core information such as contracts, budgets, and fund disbursement on the chain to ensure that the information is open, transparent, and not tampered with, and to monitor the flow of fund transfers in real time, warn of abnormal account flows, and accurately supervise fund information and directions.

[0110] Step S202, writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, and sharing all the supervision information through the alliance chain, wherein the supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor;

[0111] Specifically, the supervision information may include the contractor's contract information, budget application information, and payment information. The payment information refers to the above-mentioned expenditure and income funds, as well as the supervisor's review information, fund allocation information, and financial institution flow information. In other words, each blockchain node uploads its own supervision information and shares it among the alliance chains.

[0112] Step S203, compare whether the expenditure funds and the income funds are consistent. If they are consistent, determine that the flow of funds is normal. If they are inconsistent, determine that the flow of funds is abnormal, and generate abnormal warning information to warn that there is an abnormality in the flow of funds.

[0113] Specifically, the fund supervision system automatically compares and matches the flow information of all financial institutions in the contractor's account with the contractor's payment information, that is, compares whether the expenditure funds are consistent with the income funds, generates warning messages for abnormal flow conditions, and publishes the warning information to the blockchain to notify the corresponding contractor and supervisor. Monitor and track each expenditure of the contractor's account to ensure that the funds are reasonably allocated and used by the contractor after they are allocated.

[0114] The devices in this article can be servers, PCs, PADs, mobile phones, etc.

[0115] The present application also provides a computer program product, including a computer program, which, when executed by a processor, implements the steps of the method described in each embodiment of the present application:

[0116] Step S201, determining multiple fund supervisors and establishing a consortium chain of multiple fund supervisors, wherein the fund supervisors represent entities participating in fund supervision and include at least management parties, review parties, and financial institutions, and the consortium chain includes a blockchain node corresponding to each of the fund supervisors and a connection relationship between the multiple blockchain nodes, and each of the fund supervisors corresponds to one blockchain node;

[0117] Specifically, the participants of the supervision system of project construction funds can include contractors, supervisors, financial institutions and suppliers. The management party is also called the contractor, and the review party is also called the supervisor. The contractor can refer to the unit that undertakes the construction of the construction project; the supervisor refers to the unit that has management and supervision responsibilities for the relevant operations of the contractor; the supplier refers to the enterprise or individual that provides goods / services to the contractor according to the contract (such as providing machinery leasing, labor, materials, etc.). The contractor uploads the contract information in the system, applies for the monthly budget, and pays the amount to the supplier in the system; the supervisor reviews the contractor's payment information, approves the contractor's payment amount, and uploads the budget fund allocation information to the system; the system initiates an inter-account transfer request to the financial institution based on the supervisor's fund allocation information; after receiving the request, the financial institution allocates funds to the supplier through the financial institution system based on the audited fund allocation information, and uploads all the flow information belonging to the contractor's account to the system; after the system automatically compares and matches the flow information, it generates an early warning message and sends it to the contractor and the supervisor. Among the four types of participants, the supplier is only the recipient of the transfer between accounts, and the contractor has included its information in the contract uploaded. In order to improve the efficiency of blockchain consensus, the supplier does not participate in the construction of the blockchain as a blockchain node.

[0118] Therefore, the contractor, regulator, and financial institution are used as nodes of the blockchain, and a consortium chain is built between each node to form a blockchain business platform used uniformly by all participants in fund supervision; the contract, budget, fund disbursement and other information are stored in the blockchain and verified by consensus, so that the core transaction information can flow between different nodes; the fund disbursement situation and the contractor's account flow information are analyzed, monitored and warned. It enables all participants in fund supervision to operate on a uniformly built system platform, and use consortium chain technology to put core information such as contracts, budgets, and fund disbursement on the chain to ensure that the information is open, transparent, and not tampered with, and to monitor the flow of fund transfers in real time, warn of abnormal account flows, and accurately supervise fund information and directions.

[0119] Step S202, writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, and sharing all the supervision information through the alliance chain, wherein the supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor;

[0120] Specifically, the supervision information may include the contractor's contract information, budget application information, and payment information. The payment information refers to the above-mentioned expenditure and income funds, as well as the supervisor's review information, fund allocation information, and financial institution flow information. In other words, each blockchain node uploads its own supervision information and shares it among the alliance chains.

[0121] Step S203, compare whether the expenditure funds and the income funds are consistent. If they are consistent, determine that the flow of funds is normal. If they are inconsistent, determine that the flow of funds is abnormal, and generate abnormal warning information to warn that there is an abnormality in the flow of funds.

[0122] Specifically, the fund supervision system automatically compares and matches the flow information of all financial institutions in the contractor's account with the contractor's payment information, that is, compares whether the expenditure funds are consistent with the income funds, generates warning messages for abnormal flow conditions, and publishes the warning information to the blockchain to notify the corresponding contractor and supervisor. Monitor and track each expenditure of the contractor's account to ensure that the funds are reasonably allocated and used by the contractor after they are allocated.

[0123] 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.

[0124] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0125] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0126] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0127] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0128] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0129] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0130] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0131] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0132] From the above description, it can be seen that the above embodiments of the present application achieve the following technical effects:

[0133] 1) In the fund supervision method of the present application, multiple fund supervisors are determined and alliance chains of multiple fund supervisors are established. The fund supervisors represent the subjects participating in fund supervision and at least include the management party, the auditing party and the financial institution. The alliance chain includes the connection relationship between the blockchain nodes corresponding to each fund supervisor and the multiple blockchain nodes. Each fund supervisor corresponds to a blockchain node; the supervision information of the fund supervisor corresponding to each blockchain node is written into the alliance chain, and all supervision information is shared through the alliance chain. The supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor; compare whether the expenditure funds and income funds are consistent. If they are consistent, it is determined that the fund flow is normal. If they are inconsistent, it is determined that the fund flow is abnormal, and abnormal warning information is generated to warn that there is an abnormality in the fund flow. Compared with the prior art, the fund supervision system cannot supervise the flow information of all financial institutions of the fund user account, and there is a problem of incomplete fund supervision. This application connects multiple fund supervisors through the alliance chain, and warns of abnormal fund flows, accurately supervises fund information and trends, and avoids risks such as fund abuse. Therefore, it can solve the problem of incomplete fund supervision in the prior art and achieve the effect of comprehensive fund supervision.

[0134] 2) In the fund supervision device of the present application, multiple fund supervisors are determined and alliance chains of multiple fund supervisors are established. The fund supervisors represent the subjects participating in fund supervision and at least include the management party, the auditing party and the financial institution. The alliance chain includes the connection relationship between the blockchain node corresponding to each fund supervisor and the multiple blockchain nodes. Each fund supervisor corresponds to a blockchain node; the supervision information of the fund supervisor corresponding to each blockchain node is written into the alliance chain, and all supervision information is shared through the alliance chain. The supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor; compare whether the expenditure funds and income funds are consistent. If they are consistent, it is determined that the fund flow is normal. If they are inconsistent, it is determined that the fund flow is abnormal, and abnormal warning information is generated to warn that the fund flow is abnormal. Compared with the prior art, the fund supervision system cannot supervise the flow information of all financial institutions of the fund user account, and there is a problem of incomplete fund supervision. This application connects multiple fund supervisors through the alliance chain, and warns of abnormal fund flows, accurately supervises fund information and directions, and avoids risks such as fund abuse. Therefore, it can solve the problem of incomplete fund supervision in the prior art and achieve the effect of comprehensive fund supervision.

[0135] The above description is only the preferred embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A fund supervision method, characterized in that: include: Determine multiple fund supervisors and establish a consortium chain of multiple fund supervisors, wherein the fund supervisors represent entities participating in fund supervision and include at least management parties, review parties, and financial institutions, and the consortium chain includes a blockchain node corresponding to each fund supervisor and a connection relationship between the multiple blockchain nodes, and each fund supervisor corresponds to one blockchain node; Writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, and sharing all the supervision information through the alliance chain, wherein the supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor; Compare whether the expenditure funds and the income funds are consistent. If they are consistent, determine that the flow of funds is normal. If they are inconsistent, determine that the flow of funds is abnormal, and generate abnormal warning information to warn that there is an abnormality in the flow of funds.

2. The fund supervision method according to claim 1, characterized in that: Identify multiple fund supervisors and establish alliance chains of multiple fund supervisors, including: Establishing a management party blockchain node corresponding to the management party, establishing an audit party blockchain node corresponding to the audit party, and establishing a financial institution blockchain node corresponding to the financial institution; An encryption algorithm is used to authenticate the identity of the blockchain node corresponding to each of the fund regulators. When the identity authentication of the fund regulator is passed, the blockchain nodes are connected according to the protocol between the blockchain nodes to obtain the alliance chain.

3. The fund supervision method according to claim 1, characterized in that: Writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain includes: Obtaining the cooperation agreement of each fund supervisor, and writing the cooperation agreement into the alliance chain through the management party blockchain node corresponding to the management party, wherein the cooperation agreement at least includes the cooperation amount; Obtaining capital budget information, and writing the capital budget information into the alliance chain through the management party blockchain node, wherein the capital budget information at least includes the project name and the project capital budget; Obtain payment information, and write the payment information into the alliance chain through the management party blockchain node, wherein the payment information at least includes the payment account number and the payment amount.

4. The fund supervision method according to claim 3, characterized in that: Writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain also includes: The review party reviews the payment information of the management party to obtain a review result, and if the review result indicates that the review is passed, generates fund disbursement information, wherein the fund disbursement information at least includes payer information and payee information; The audit result and the fund disbursement information are written into the alliance chain through the audit party node corresponding to the audit party.

5. The fund supervision method according to claim 4, characterized in that: Writing the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain also includes: Making allocations through the financial institution according to the fund allocation information and generating allocation information, wherein the allocation information at least includes the payer information and the payee information; The grant information is written into the alliance chain through the financial institution node corresponding to the financial institution.

6. The fund supervision method according to claim 1, characterized in that: The method further comprises: The fund flow information of the manager is queried through the financial institution at a predetermined frequency, the fund flow information is written into the alliance chain, and the fund flow information is shared through the alliance chain, wherein the fund flow information at least includes a transaction serial number and a transaction amount.

7. The fund supervision method according to claim 1, characterized in that: After generating the abnormal warning information, the method further includes: The abnormal warning information is sent to the management party and the auditor, so that the management party and the auditor can track the abnormal fund information and process the abnormal fund information.

8. A fund supervision device, characterized in that: include: An establishing unit, used to determine a plurality of fund supervisors and establish a consortium chain of the plurality of fund supervisors, wherein the fund supervisors represent entities participating in fund supervision and include at least management parties, review parties, and financial institutions, and the consortium chain includes a blockchain node corresponding to each of the fund supervisors and a connection relationship between the plurality of blockchain nodes, and each of the fund supervisors corresponds to one blockchain node; A sharing unit, used to write the supervision information of the fund supervisor corresponding to each blockchain node into the alliance chain, and share all the supervision information through the alliance chain, wherein the supervision information at least includes the expenditure funds and income funds supervised by each fund supervisor; The generating unit is used to compare whether the expenditure funds and the income funds are consistent. If they are consistent, it is determined that the flow of funds is normal. If they are inconsistent, it is determined that the flow of funds is abnormal, and abnormal warning information is generated to warn that there is an abnormality in the flow of funds.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute the fund supervision method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: include: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include a method for executing the funds supervision method described in any one of claims 1 to 7.

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