Fund supervision method based on smart contract, related device and storage medium

Abstract

The invention provides a fund supervision method based on a smart contract, a related device and a storage medium. A bank external connection system receives a loaning request of a loan party; verifying the loan request of the loan party to obtain a first loan verification result; if the first loan verification result shows that the verification is passed, transmitting the loan request to an intelligent contract platform; the intelligent contract platform verifies the loan request to obtain a second loan verification result; if the second loan verification result shows that verification succeeds, executing a loan intelligent contract with the loan party, and uploading an execution record of the loan intelligent contract and a snapshot of the loan intelligent contract to a block chain platform; and the block chain platform encrypts and stores the loan information, and after successful storage, the bank external connection system gradually returns the loan condition to the loan party through the intelligent contract platform. The transaction is executed through the smart contract, and the transaction data is uploaded and stored, so that the transaction record is prevented from being tampered.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular to a fund supervision method based on smart contracts, related devices and storage media. Background Art

[0002] With the continuous development of global trade and the continuous expansion of the supply chain, supply chain management has become an indispensable part of corporate operations. However, traditional supply chain management faces some challenges, such as information asymmetry, data tampering, transaction delays, etc., which affect the transparency and efficiency of the supply chain. In the wine industry, there are transactions between lenders and lenders, and between brands and lenders. In the process of these transactions, there are risks of random pricing and misappropriation of funds. In the loan business, there is a problem that customers cannot find high-quality loan businesses, which leads to customers choosing the wrong loan company or the wrong loan business, causing customer funding problems. Summary of the invention

[0003] In view of this, the present application provides a fund supervision method, related devices and storage media based on smart contracts, which execute transactions through smart contracts and store transaction data on the chain, thereby ensuring that transaction records are not tampered with.

[0004] The first aspect of the present application provides a fund supervision method based on a smart contract, which is applied to a bank external liaison system, including:

[0005] Receive a loan request from a lender; wherein the lender has signed a smart contract service agreement and a loan contract with a bank;

[0006] Verifying the loan request of the lender to obtain a first loan verification result;

[0007] If the first loan verification result indicates that the verification is passed, the loan request is transmitted to the smart contract platform; wherein, after receiving the loan request, the smart contract platform verifies the loan request and obtains a second loan verification result; if the second loan verification result indicates that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract is recorded; the execution record of the loan smart contract and the snapshot of the loan smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after successful storage, and the smart contract platform returns the loan status to the bank external connection system;

[0008] Receive loan information feedback from the smart contract platform;

[0009] If the loan status is successful, the loan status will be returned to the lender.

[0010] Optionally, if the loan status is successful, after returning the loan status to the lender, the process further includes:

[0011] Receive entrusted payment requests from dealers;

[0012] Verifying the entrusted payment request of the dealer to obtain a first entrusted payment verification result;

[0013] If the first entrusted payment verification result indicates that the verification is passed, the entrusted payment request is transmitted to the smart contract platform; wherein, after receiving the entrusted payment request, the smart contract platform verifies the entrusted payment request and obtains a second entrusted payment verification result; if the second entrusted payment verification result indicates that the verification is successful, the entrusted payment smart contract is executed with the target enterprise, and the execution record of the entrusted payment smart contract is recorded; the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract, and returns the entrusted payment status of successful entrusted payment to the smart contract platform after successful storage, and the smart contract platform returns the entrusted payment status to the bank external connection system;

[0014] Receive entrusted payment information fed back by the smart contract platform;

[0015] If the entrusted payment situation is successful, the entrusted payment situation is returned to the dealer.

[0016] Optionally, the smart contract-based fund supervision method further includes:

[0017] Receiving a request for fund recovery from the lender;

[0018] Verifying the fund recovery request of the lender to obtain a first fund recovery verification result;

[0019] If the first fund recovery verification result indicates that the verification is passed, the fund recovery request is transmitted to the smart contract platform; wherein, after receiving the fund recovery request, the smart contract platform performs verification to obtain a second fund recovery verification result; if the second fund recovery verification result indicates that the verification is successful, the fund recovery smart contract is executed with the lender, and the execution record of the fund recovery smart contract is recorded; the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract, and returns the fund recovery status of successful fund recovery to the smart contract platform after successful storage, and the smart contract platform returns the fund recovery status to the bank external connection system;

[0020] Receive the fund recovery status feedback from the smart contract platform;

[0021] If the fund recovery situation is successful, the fund recovery situation will be returned to the lender.

[0022] The second aspect of the present application provides a fund supervision method based on a smart contract, which is applied to a smart contract platform, including:

[0023] Receive loan requests transmitted by the bank's external system;

[0024] Verifying the loan request to obtain a second loan verification result;

[0025] If the second loan verification result indicates that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract is recorded;

[0026] Upload the execution record of the loan smart contract and the snapshot of the loan smart contract to the blockchain platform; wherein the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after the storage is successful;

[0027] Receive the loan information returned by the blockchain platform;

[0028] The loan status is returned to the bank's external liaison system; wherein, after the bank's external liaison system receives the loan status feedback from the smart contract platform, if the loan status is successful, the loan status is returned to the lender.

[0029] Optionally, the smart contract-based fund supervision method further includes:

[0030] Receive entrusted payment requests transmitted by the bank's external system;

[0031] Verifying the entrusted payment request to obtain a second entrusted payment verification result;

[0032] If the second entrusted payment verification result indicates that the verification is successful, the entrusted payment smart contract is executed with the target enterprise, and the execution record of the entrusted payment smart contract is recorded;

[0033] Uploading the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract to the blockchain platform; the blockchain platform encrypts and stores the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract, and returns the entrusted payment status of successful entrusted payment to the smart contract platform after successful storage;

[0034] Receiving the entrusted payment information returned by the blockchain platform;

[0035] The entrusted payment situation is returned to the bank external liaison system; wherein, after the bank external liaison system receives the entrusted payment situation fed back by the smart contract platform, if the entrusted payment situation is successful, the entrusted payment situation is returned to the dealer.

[0036] Optionally, the smart contract-based fund supervision method further includes:

[0037] Receive fund recovery requests transmitted by the bank's external liaison system;

[0038] Verifying the fund recovery request to obtain a second fund recovery verification result;

[0039] If the second fund recovery verification result indicates that the verification is successful, the fund recovery smart contract is executed with the lender, and the execution record of the fund recovery smart contract is recorded;

[0040] Uploading the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract to the blockchain platform; the blockchain platform encrypts and stores the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract, and returns the fund recovery status of successful fund recovery to the smart contract platform after successful storage;

[0041] Receive the fund recovery information returned by the blockchain platform;

[0042] The fund recovery situation is returned to the bank external liaison system; wherein, after the bank external liaison system receives the fund recovery situation feedback from the smart contract platform, if the fund recovery situation is successful, the fund recovery situation is returned to the lender.

[0043] The third aspect of the present application provides a fund supervision device based on a smart contract, which is applied to a bank external liaison system, including:

[0044] A first receiving unit is used to receive a loan request from a lender; wherein the lender has signed a smart contract service agreement and a loan contract with a bank;

[0045] A first loan verification unit, used to verify the loan request of the lender and obtain a first loan verification result;

[0046] The first transmission unit is used to transmit the loan request to the smart contract platform if the first loan verification result indicates that the verification is passed; wherein, after receiving the loan request, the smart contract platform will verify the loan request and obtain a second loan verification result; if the second loan verification result indicates that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract is recorded; the execution record of the loan smart contract and the snapshot of the loan smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after successful storage, and the smart contract platform returns the loan status to the bank external connection system;

[0047] A second receiving unit, used to receive loan information fed back by the smart contract platform;

[0048] The first returning unit is used to return the loan status to the lender if the loan status is successful.

[0049] Optionally, the smart contract-based fund supervision device further includes:

[0050] A third receiving unit, configured to receive a commissioned payment request from the dealer;

[0051] A first entrusted payment verification unit, configured to verify the entrusted payment request of the dealer to obtain a first entrusted payment verification result;

[0052] The second transmission unit is used to transmit the entrusted payment request to the smart contract platform if the first entrusted payment verification result shows that the verification is passed; wherein, after receiving the entrusted payment request, the smart contract platform will verify the entrusted payment request and obtain a second entrusted payment verification result; if the second entrusted payment verification result shows that the verification is successful, the entrusted payment smart contract is executed with the target enterprise, and the execution record of the entrusted payment smart contract is recorded; the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract, and returns the entrusted payment status of successful entrusted payment to the smart contract platform after successful storage, and the smart contract platform returns the entrusted payment status to the bank external connection system;

[0053] A fourth receiving unit, used to receive the entrusted payment information fed back by the smart contract platform;

[0054] The second returning unit is used to return the entrusted payment situation to the dealer if the entrusted payment situation is successful.

[0055] Optionally, the smart contract-based fund supervision device further includes:

[0056] A fifth receiving unit, configured to receive a fund recovery request from the lender;

[0057] A first fund recovery verification unit, configured to verify the fund recovery request of the lender and obtain a first fund recovery verification result;

[0058] The third transmission unit is used to transmit the fund recovery request to the smart contract platform if the first fund recovery verification result indicates that the verification is passed; wherein, after receiving the fund recovery request, the smart contract platform performs verification to obtain a second fund recovery verification result; if the second fund recovery verification result indicates that the verification is successful, the fund recovery smart contract is executed with the lender, and the execution record of the fund recovery smart contract is recorded; the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract, and returns the fund recovery status of successful fund recovery to the smart contract platform after successful storage, and the smart contract platform returns the fund recovery status to the bank external connection system;

[0059] A sixth receiving unit, used to receive the fund recovery information fed back by the smart contract platform;

[0060] The third returning unit is used to return the fund recovery situation to the lender if the fund recovery situation is successful.

[0061] The fourth aspect of the present application provides a fund supervision device based on a smart contract, which is applied to a smart contract platform, including:

[0062] The seventh receiving unit is used to receive the loan request transmitted by the bank's external connection system;

[0063] A second loan verification unit, used to verify the loan request and obtain a second loan verification result;

[0064] A first contract execution unit, configured to execute the loan smart contract with the lender if the second loan verification result indicates that the verification is successful, and record the execution record of the loan smart contract;

[0065] The first uploading unit is used to upload the execution record of the loan smart contract and the snapshot of the loan smart contract to the blockchain platform; wherein the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after the storage is successful;

[0066] An eighth receiving unit, used to receive the loan information returned by the blockchain platform;

[0067] The fourth return unit is used to return the loan status to the bank external system; wherein, after the bank external system receives the loan status feedback from the smart contract platform, if the loan status is successful, the loan status is returned to the lender.

[0068] Optionally, the smart contract-based fund supervision device further includes:

[0069] A ninth receiving unit, used for receiving a entrusted payment request transmitted by the bank external connection system;

[0070] A second entrusted payment verification unit, configured to verify the entrusted payment request and obtain a second entrusted payment verification result;

[0071] A second contract execution unit, configured to execute the entrusted payment smart contract with the target enterprise if the second entrusted payment verification result indicates that the verification is successful, and record an execution record of the entrusted payment smart contract;

[0072] The second uploading unit is used to upload the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract to the blockchain platform; the blockchain platform encrypts and stores the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract, and returns the entrusted payment status of successful entrusted payment to the smart contract platform after successful storage;

[0073] a tenth receiving unit, configured to receive the entrusted payment information returned by the blockchain platform;

[0074] The fifth return unit is used to return the entrusted payment situation to the bank external system; wherein, after the bank external system receives the entrusted payment situation feedback from the smart contract platform, if the entrusted payment situation is successful, the entrusted payment situation is returned to the dealer.

[0075] Optionally, the smart contract-based fund supervision device further includes:

[0076] an eleventh receiving unit, for receiving a fund recovery request transmitted by a bank external liaison system;

[0077] A second fund recovery verification unit, used to verify the fund recovery request and obtain a second fund recovery verification result;

[0078] A third contract execution unit, configured to execute the fund recovery smart contract with the lender if the second fund recovery verification result indicates that the verification is successful, and record the execution record of the fund recovery smart contract;

[0079] The third uploading unit is used to upload the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract to the blockchain platform; the blockchain platform encrypts and stores the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract, and returns the fund recovery status of successful fund recovery to the smart contract platform after successful storage;

[0080] A twelfth receiving unit, used to receive the fund recovery information returned by the blockchain platform;

[0081] The sixth return unit is used to return the fund recovery information to the bank external liaison system; wherein, after the bank external liaison system receives the fund recovery information feedback from the smart contract platform, if the fund recovery information is successful, the fund recovery information is returned to the lender.

[0082] A fifth aspect of the present invention provides a server, comprising:

[0083] one or more processors;

[0084] a storage device having one or more programs stored thereon;

[0085] When the one or more programs are executed by the one or more processors, the one or more processors implement the smart contract-based fund supervision method as described in any one of the first aspects of the present invention, or the smart contract-based fund supervision method as described in any one of the second aspects of the present invention.

[0086] The sixth aspect of the present invention provides a computer-readable medium having a computer program stored thereon, wherein when the program is executed by a processor, it implements a fund supervision method based on a smart contract as described in any one of the first aspects of the present invention, or a fund supervision method based on a smart contract as described in any one of the second aspects of the present invention.

[0087] As can be seen from the above scheme, this application provides a fund supervision method based on smart contracts, related devices and storage media. The bank external liaison system receives the loan request from the lender; verifies the loan request from the lender to obtain the first loan verification result; if the first loan verification result shows that the verification is passed, the loan request is passed to the smart contract platform; the smart contract platform verifies the loan request to obtain the second loan verification result; if the second loan verification result shows that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract and the snapshot of the loan smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores it, and after the storage is successful, the loan situation is gradually returned to the lender through the smart contract platform and the bank external liaison system. Transactions are executed through smart contracts, and transaction data is stored on the chain to ensure that transaction records are not tampered with. BRIEF DESCRIPTION OF THE DRAWINGS

[0088] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0089] Figure 1 A specific flow chart of a fund supervision method based on smart contracts provided in an embodiment of the present application;

[0090] Figure 2 A flowchart of a loan status provided for another embodiment of the present application;

[0091] Figure 3 A specific flow chart of a fund supervision method based on a smart contract provided in another embodiment of the present application;

[0092] Figure 4 A flowchart of a entrusted payment state provided for another embodiment of the present application;

[0093] Figure 5 A specific flow chart of a fund supervision method based on a smart contract provided in another embodiment of the present application;

[0094] Figure 6 A flow chart of a fund recovery status provided in another embodiment of the present application;

[0095] Figure 7 A flow chart of a supply chain model provided in another embodiment of the present application;

[0096] Figure 8 A schematic diagram of a fund supervision device (bank external liaison system) based on a smart contract provided in another embodiment of the present application;

[0097] Fig. 9 A schematic diagram of a fund supervision device (smart contract platform) based on a smart contract provided in another embodiment of the present application;

[0098] Fig.10 A schematic diagram of a server for implementing a fund supervision method based on a smart contract provided in another embodiment of the present application. DETAILED DESCRIPTION

[0099] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions 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 are within the scope of protection of this application.

[0100] The term "including" and its variations used herein are open inclusions, i.e., "including but not limited to". The term "based on" means "based at least in part on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". The relevant definitions of other terms will be given in the following description.

[0101] It should be noted that the information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0102] It should be noted that the concepts such as "first" and "second" mentioned in this application are only used to distinguish different devices, modules or units, and are not used to limit the order or interdependence of the functions performed by these devices, modules or units.

[0103] It should be noted that the modifications of "one" and "plurality" mentioned in the present application are illustrative rather than restrictive, and those skilled in the art should understand that unless otherwise clearly indicated in the context, it should be understood as "one or more".

[0104] This application embodiment provides a fund supervision method based on smart contracts, such as Figure 1 As shown, the specific steps include:

[0105] S101. The bank external liaison system receives a loan request from a lender.

[0106] Among them, the lender and the bank signed a smart contract service agreement and a loan contract. A smart contract is a protocol that is automatically executed by a computer, and the executed transactions are traceable and irreversible. Smart contracts are run in a virtual machine (i.e., the execution engine), which is encapsulated as a sandbox, so that the entire execution environment of the smart contract is completely isolated to ensure its security and reliability.

[0107] S102: The bank external liaison system verifies the lender's loan request and obtains a first loan verification result.

[0108] Specifically, the bank's external liaison system verifies the lender's loan request including, but not limited to, the merchant number, whether the merchant is on the whitelist, whether the merchant information is correct, etc., which are not limited here. If the verification fails, an error message will be returned.

[0109] S103. If the first loan verification result indicates that the verification is passed, the bank external liaison system transmits the loan request to the smart contract platform.

[0110] S104. After receiving the loan request, the smart contract platform will verify the loan request and obtain a second loan verification result.

[0111] Specifically, the smart contract platform verifies the loan request including, but not limited to, whether the wallet numbers of the transferor and transferee are correct, whether they are frozen or abnormal, whether the transferee is on the whitelist, etc. This is not discussed here. If the verification fails, a failure message is returned.

[0112] S105. If the second loan verification result indicates that the verification is successful, the smart contract platform and the lender execute the loan smart contract and record the execution record of the loan smart contract.

[0113] Specifically, if the second loan verification result indicates that the verification is successful, the smart contract platform checks whether there is a loan smart contract under the wallet. If there is, the loan smart contract is directly executed. Otherwise, a loan smart contract is created and executed. After successful execution, the execution record of the loan smart contract is recorded. If the execution of the loan smart contract fails, the failed contract is executed repeatedly. If the continuous failure exceeds the failure number threshold, it will be handled manually.

[0114] S106. The smart contract platform uploads the execution record of the loan smart contract and the snapshot of the loan smart contract to the blockchain platform.

[0115] S107. The blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract.

[0116] S108. After successful storage, the blockchain platform returns the successful loan status to the smart contract platform.

[0117] S109. The smart contract platform returns the loan information to the bank's external liaison system.

[0118] S110. If the loan status is successful, the bank's external liaison system returns the loan status to the lender.

[0119] like Figure 2 As shown, it is a flowchart of a loan status provided by the present application. The lender initiates a loan request, and the bank's external liaison system verifies the request, such as the merchant number, whether it is a merchant in the whitelist, and whether the merchant information is correct. If the verification fails, an error message will be returned. After the verification is successful, the loan request is transmitted to the smart contract platform. The smart contract platform verifies whether the wallet numbers of the transferor and the transferee are correct, whether they are frozen or abnormal, whether the transferee is in the whitelist, and other information. If the verification fails, a failure message is returned. After the verification is successful, the smart contract platform checks whether there is a contract under the wallet. If there is, the loan contract is directly executed. Otherwise, a contract is created and executed, and the money is deducted from the lender's wallet. The funds are transferred to the regulatory wallet of the smart contract platform. The smart contract platform updates the loan amount. After successful execution, the contract execution record, transaction flow and other information are recorded, and the transaction information and contract snapshot are uploaded to the blockchain platform. The blockchain platform encrypts and stores the uploaded data, and returns a successful loan after storage. If the contract execution fails, the failed contract is executed repeatedly. If the continuous failure exceeds, it is handled manually.

[0120] Optionally, in another embodiment of the present application, if the loan status is successful, after the loan status is returned to the lender, after the dealer receives the loan, an implementation method of the fund supervision method based on the smart contract is implemented, such as Figure 3 As shown, it also includes:

[0121] S301. The bank external liaison system receives the entrusted payment request from the dealer.

[0122] S302: The bank external liaison system verifies the dealer's entrusted payment request and obtains a first entrusted payment verification result.

[0123] Specifically, the bank's external liaison system verifies the dealer's entrusted payment request including, but not limited to, the merchant number, whether the merchant is on the whitelist, and whether the merchant information is correct. No limitation is made here, and an error message will be returned if the verification fails.

[0124] S303. If the first entrusted payment verification result indicates that the verification is passed, the bank external liaison system transmits the entrusted payment request to the smart contract platform.

[0125] S304. After receiving the entrusted payment request, the smart contract platform will verify the entrusted payment request and obtain a second entrusted payment verification result.

[0126] Specifically, the content of the smart contract platform's verification of the entrusted payment request includes but is not limited to the smart contract platform verifying whether the wallet numbers of the transferor and the transferee are correct, whether they are frozen or abnormal, whether the transferee is on the whitelist, etc., which are not limited here. If the verification fails, a failure message is returned.

[0127] S305. If the second entrusted payment verification result indicates that the verification is successful, the smart contract platform and the target enterprise execute the entrusted payment smart contract and record the execution record of the entrusted payment smart contract.

[0128] Specifically, if the second entrusted payment result indicates that the verification is successful, the smart contract platform checks whether there is a entrusted payment smart contract under the wallet. If there is, the entrusted payment smart contract is directly executed. Otherwise, a entrusted payment smart contract is created and executed. After successful execution, the execution record of the entrusted payment smart contract is recorded. If the entrusted payment smart contract fails to execute, the failed contract is executed repeatedly. If the continuous failure exceeds the failure number threshold, it will be handled manually.

[0129] S306. The smart contract platform uploads the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract to the blockchain platform.

[0130] S307. The blockchain platform encrypts and stores the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract.

[0131] S308. After successful storage, the blockchain platform returns the entrusted payment status of successful entrusted payment to the smart contract platform.

[0132] S309. The smart contract platform returns the entrusted payment information to the bank's external liaison system.

[0133] S310. If the entrusted payment status is successful, the bank external liaison system returns the entrusted payment status to the dealer.

[0134] like Figure 4 As shown, it is a flow chart of a trustee payment status provided by this application. After receiving the loan, the dealer initiates a trustee payment request, and the bank's external liaison system verifies the request, such as the merchant number, whether it is a merchant in the whitelist, and whether the merchant information is correct. If the verification fails, an error message will be returned; after the verification is successful, the payment request is passed to the smart contract platform, and the smart contract platform verifies whether the wallet numbers of the transferor and the transferee are correct, whether they are frozen or abnormal, whether the transferee is in the whitelist, etc. If the verification fails, a failure message is returned; after the verification is successful, the smart contract platform checks whether there is a trustee payment contract under the wallet. If there is, the trustee payment contract is directly executed, otherwise a contract is created and executed, and the funds are transferred to the opponent's wallet (core enterprise, that is, the target enterprise). After successful execution, the contract execution record, transaction flow and other information are recorded, and the contract record is updated, and the transaction information and contract snapshot are uploaded to the blockchain platform. The blockchain platform encrypts and stores the uploaded data, and returns payment success after storage; if the contract execution fails, the failed contract is executed repeatedly. If the continuous failure exceeds, it is handled manually.

[0135] Optionally, in another embodiment of the present application, if the entrusted payment fails multiple times, or the funds cannot be paid when they are due, the lender can proactively initiate a request for fund recovery to return the funds in the contract wallet to the lender's wallet. Figure 5 As shown, it also includes:

[0136] S501. The bank external liaison system receives a fund recovery request from a lender.

[0137] S502: The bank external liaison system verifies the lender's fund recovery request and obtains a first fund recovery verification result.

[0138] Specifically, the content of the verification of the lender's fund recovery request by the bank's external liaison system includes, but is not limited to, whether the loan recoverer is consistent with the loan lender, whether the recovery conditions are met, etc., which are not limited here.

[0139] S503. If the first funds recovery verification result indicates that the verification is passed, the bank external liaison system transmits the funds recovery request to the smart contract platform.

[0140] S504. After receiving the fund recovery request, the smart contract platform verifies the fund recovery request and obtains a second fund recovery verification result.

[0141] Specifically, the smart contract platform verifies the fund recovery request, including but not limited to whether the loan recoverer is the same as the loan lender, whether the recovery conditions are met, and the rule verification of the fund recovery smart contract, etc., which are not limited here.

[0142] S505. If the second funds recovery verification result indicates that the verification is successful, the smart contract platform and the lender execute the funds recovery smart contract and record the execution record of the funds recovery smart contract.

[0143] Specifically, the smart contract platform executes the fund recovery smart contract, and the funds in the wallet are only allowed to be returned to the lender's wallet. If the fund recovery smart contract fails to execute, the funds cannot be recovered and the result is returned to the lender. If the funds are successfully transferred to the lender's wallet, the smart contract and loan status are updated, and the transaction record is added. If the funds processing fails, the contract wallet operator will handle it on hold.

[0144] S506. The smart contract platform uploads the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract to the blockchain platform.

[0145] S507. The blockchain platform encrypts and stores the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract.

[0146] S508. After successful storage, the blockchain platform returns the successful fund recovery status to the smart contract platform.

[0147] S509. The smart contract platform returns the fund recovery information to the bank's external liaison system.

[0148] S510. If the fund recovery is successful, the bank external liaison system returns the fund recovery status to the lender.

[0149] like Figure 6 As shown, it is a flowchart of the fund recovery status provided by this application. If the entrusted payment fails multiple times, or the funds cannot be paid when they expire, the lender can actively initiate a fund recovery request to return the funds in the contract wallet to the lender's wallet. After the fund recovery request is issued, the bank's external liaison system verifies the request, such as whether the loan recovery party is consistent with the loan lender, whether the recovery conditions are met, etc. After the verification is successful, the recovery request is passed to the smart contract platform. The smart contract platform executes the smart contract entrusted fund recovery. The funds in the wallet are only allowed to be returned to the lender's wallet. If the execution of the fund recovery smart contract fails, the funds cannot be recovered and the result is returned to the lender. If the entrusted funds are successfully transferred to the lender's wallet, the smart contract and loan status are updated, and the transaction record is added. If the fund processing fails, the contract wallet operator will handle it on account. After the above steps are completed, the final fund recovery result is returned.

[0150] like Figure 7 The flowchart shown is a flow chart of a supply chain model provided by an embodiment of the present application, and the main steps are as follows: 1. The dealer and the core enterprise sign a trade contract, and the dealer and the bank sign a loan contract. 2. The dealer and the bank's operating organization sign a smart contract service agreement. 3. The bank's operating organization executes the loan smart contract and stores the smart contract execution result on the chain. 4. After the contract is successfully executed, the bank lends money to the dealer. 5. The dealer places an order with the core enterprise and sends a payment request to the bank's smart contract platform. 6. The smart contract platform executes the payment smart contract and stores the transaction record on the chain after success. 7. After the contract is successfully executed, the bank will be entrusted to pay the payment amount to the core enterprise. 8. After receiving the payment amount, the core enterprise ships the goods to the dealer. 9. The dealer repays the bank according to the contract.

[0151] As can be seen from the above scheme, this application provides a fund supervision method based on smart contracts. The bank external liaison system receives the loan request from the lender; verifies the loan request from the lender to obtain the first loan verification result; if the first loan verification result shows that the verification is passed, the loan request is passed to the smart contract platform; the smart contract platform verifies the loan request to obtain the second loan verification result; if the second loan verification result shows that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract and the snapshot of the loan smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores it, and after the storage is successful, the loan situation is gradually returned to the lender through the smart contract platform and the bank external liaison system. Transactions are executed through smart contracts, and transaction data is stored on the chain to ensure that transaction records are not tampered with.

[0152] The present application embodiment provides a fund supervision device for a smart contract, such as Figure 8 As shown, it is applied to the bank's external liaison system, including:

[0153] The first receiving unit 801 is used to receive a loan request from a lender.

[0154] Among them, the lender signed a smart contract service agreement and a loan contract with the bank.

[0155] The first loan verification unit 802 is used to verify the loan request of the lender and obtain a first loan verification result.

[0156] The first transmission unit 803 is used to transmit the loan request to the smart contract platform if the first loan verification result indicates that the verification is passed.

[0157] Among them, after receiving the loan request, the smart contract platform will verify the loan request and obtain the second loan verification result; if the second loan verification result shows that the verification is successful, the loan smart contract will be executed with the lender, and the execution record of the loan smart contract will be recorded; the execution record of the loan smart contract and the snapshot of the loan smart contract will be uploaded to the blockchain platform; the blockchain platform will encrypt and store the execution record of the loan smart contract and the snapshot of the loan smart contract, and return the successful loan status to the smart contract platform after successful storage, and the smart contract platform will return the loan status to the bank's external liaison system.

[0158] The second receiving unit 804 is used to receive the loan status feedback from the smart contract platform.

[0159] The first returning unit 805 is used to return the loan status to the lender if the loan status is successful.

[0160] For the specific working process of the units disclosed in the above embodiments of the present application, please refer to the corresponding method embodiments, such as Figure 1 As shown, no further description is given here.

[0161] The present application embodiment provides a fund supervision device for a smart contract, such as Fig. 9 As shown, it is applied to the smart contract platform, specifically including:

[0162] The seventh receiving unit 901 is used to receive a loan request transmitted by the bank's external system.

[0163] The second loan verification unit 902 is used to verify the loan request and obtain a second loan verification result.

[0164] The first contract execution unit 903 is used to execute the loan smart contract with the lender if the second loan verification result indicates that the verification is successful, and record the execution record of the loan smart contract.

[0165] The first uploading unit 904 is used to upload the execution record of the loan smart contract and the snapshot of the loan smart contract to the blockchain platform.

[0166] Among them, the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after successful storage.

[0167] The eighth receiving unit 905 is used to receive the loan status returned by the blockchain platform.

[0168] The fourth returning unit 906 is used to return the loan information to the bank external system.

[0169] Among them, after the bank's external liaison system receives the loan status feedback from the smart contract platform, if the loan status is successful, it will return the loan status to the lender.

[0170] For the specific working process of the units disclosed in the above embodiments of the present application, please refer to the corresponding method embodiments, such as Figure 1 As shown, no further description is given here.

[0171] As can be seen from the above scheme, this application provides a fund supervision device based on smart contracts. The bank external liaison system receives the loan request from the lender; verifies the loan request from the lender to obtain the first loan verification result; if the first loan verification result shows that the verification is passed, the loan request is passed to the smart contract platform; the smart contract platform verifies the loan request to obtain the second loan verification result; if the second loan verification result shows that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract and the snapshot of the loan smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores it, and after the storage is successful, the loan situation is gradually returned to the lender through the smart contract platform and the bank external liaison system. Transactions are executed through smart contracts, and transaction data is stored on the chain to ensure that transaction records are not tampered with.

[0172] The functions described above herein may be performed at least in part by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), complex programmable logic devices (CPLDs), and the like.

[0173] Another embodiment of the present application provides a server, such as Fig.10 As shown, including:

[0174] One or more processors 1001.

[0175] The storage device 1002 stores one or more programs.

[0176] When the one or more programs are executed by the one or more processors 1001, the one or more processors 1001 implement the smart contract-based fund supervision method as described in any one of the above embodiments.

[0177] Another embodiment of the present application provides a storage medium on which a computer program is stored, wherein when the computer program is executed by a processor, a smart contract-based fund supervision method as described in any one of the above embodiments is implemented.

[0178] In the context of the present application, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0179] It should be noted that the computer-readable medium mentioned above in the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, in which a computer-readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer readable signal medium may also be any computer readable medium other than a computer readable storage medium, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer readable medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (radio frequency), etc., or any suitable combination of the above.

[0180] Another embodiment of the present application provides a computer program product, which, when executed, is used to execute the above-mentioned smart contract-based fund supervision method.

[0181] In particular, according to an embodiment of the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product, which includes a computer program carried on a non-transitory computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via a communication device, or installed from a storage device, or installed from a ROM. When the computer program is executed by a processing device, the above-mentioned functions defined in the method of the embodiment of the present application are executed.

[0182] Although the subject matter has been described in language specific to structural features and / or method logic actions, it should be understood that the subject matter defined in this application is not necessarily limited to the specific features or actions described above. On the contrary, the specific features and actions described above are merely example forms of implementing this application.

[0183] Although several specific implementation details are included in the above discussion, these should not be interpreted as limiting the scope of the present application. Certain features described in the context of a separate embodiment can also be implemented in a single embodiment in combination. On the contrary, the various features described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable sub-combination.

[0184] The above description is only a preferred embodiment of the present application and an explanation of the technical principles used. Those skilled in the art should understand that the scope of application involved in the present application is not limited to the technical solution formed by a specific combination of the above technical features, but should also cover other technical solutions formed by any combination of the above technical features or their equivalent features without departing from the above application concept. For example, the above features are replaced with (but not limited to) technical features with similar functions applied in the present application.

Claims

1. A fund supervision method based on smart contracts, characterized in that: Applied to bank external connection systems, including: Receive a loan request from a lender; wherein the lender has signed a smart contract service agreement and a loan contract with a bank; Verifying the loan request of the lender to obtain a first loan verification result; If the first loan verification result indicates that the verification is passed, the loan request is transmitted to the smart contract platform; wherein, after receiving the loan request, the smart contract platform verifies the loan request and obtains a second loan verification result; if the second loan verification result indicates that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract is recorded; the execution record of the loan smart contract and the snapshot of the loan smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after successful storage, and the smart contract platform returns the loan status to the bank external connection system; Receive loan information feedback from the smart contract platform; If the loan status is successful, the loan status will be returned to the lender.

2. The fund supervision method based on smart contract according to claim 1 is characterized in that: If the loan condition is successful, after returning the loan condition to the lender, the method further includes: Receive entrusted payment requests from dealers; Verifying the entrusted payment request of the dealer to obtain a first entrusted payment verification result; If the first entrusted payment verification result indicates that the verification is passed, the entrusted payment request is transmitted to the smart contract platform; wherein, after receiving the entrusted payment request, the smart contract platform verifies the entrusted payment request and obtains a second entrusted payment verification result; if the second entrusted payment verification result indicates that the verification is successful, the entrusted payment smart contract is executed with the target enterprise, and the execution record of the entrusted payment smart contract is recorded; the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract, and returns the entrusted payment status of successful entrusted payment to the smart contract platform after successful storage, and the smart contract platform returns the entrusted payment status to the bank external connection system; Receive entrusted payment information fed back by the smart contract platform; If the entrusted payment situation is successful, the entrusted payment situation is returned to the dealer.

3. The fund supervision method based on smart contract according to claim 2 is characterized in that: Also includes: Receiving a request for fund recovery from the lender; Verifying the fund recovery request of the lender to obtain a first fund recovery verification result; If the first fund recovery verification result indicates that the verification is passed, the fund recovery request is transmitted to the smart contract platform; wherein, after receiving the fund recovery request, the smart contract platform performs verification to obtain a second fund recovery verification result; if the second fund recovery verification result indicates that the verification is successful, the fund recovery smart contract is executed with the lender, and the execution record of the fund recovery smart contract is recorded; the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract, and returns the fund recovery status of successful fund recovery to the smart contract platform after successful storage, and the smart contract platform returns the fund recovery status to the bank external connection system; Receive the fund recovery status feedback from the smart contract platform; If the fund recovery situation is successful, the fund recovery situation will be returned to the lender.

4. A fund supervision method based on smart contracts, characterized in that: Applied to smart contract platforms, including: Receive loan requests transmitted by the bank's external system; Verifying the loan request to obtain a second loan verification result; If the second loan verification result indicates that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract is recorded; Upload the execution record of the loan smart contract and the snapshot of the loan smart contract to the blockchain platform; wherein the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after the storage is successful; Receive the loan information returned by the blockchain platform; The loan status is returned to the bank's external liaison system; wherein, after the bank's external liaison system receives the loan status feedback from the smart contract platform, if the loan status is successful, the loan status is returned to the lender.

5. The method for fund supervision based on smart contracts according to claim 4 is characterized in that: Also includes: Receive entrusted payment requests transmitted by the bank's external system; Verifying the entrusted payment request to obtain a second entrusted payment verification result; If the second entrusted payment verification result indicates that the verification is successful, the entrusted payment smart contract is executed with the target enterprise, and the execution record of the entrusted payment smart contract is recorded; Uploading the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract to the blockchain platform; the blockchain platform encrypts and stores the execution record of the entrusted payment smart contract and the snapshot of the entrusted payment smart contract, and returns the entrusted payment status of successful entrusted payment to the smart contract platform after successful storage; Receiving the entrusted payment information returned by the blockchain platform; The entrusted payment situation is returned to the bank external liaison system; wherein, after the bank external liaison system receives the entrusted payment situation fed back by the smart contract platform, if the entrusted payment situation is successful, the entrusted payment situation is returned to the dealer.

6. The method for fund supervision based on smart contracts according to claim 5 is characterized in that: Also includes: Receive fund recovery requests transmitted by the bank's external liaison system; Verifying the fund recovery request to obtain a second fund recovery verification result; If the second fund recovery verification result indicates that the verification is successful, the fund recovery smart contract is executed with the lender, and the execution record of the fund recovery smart contract is recorded; Uploading the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract to the blockchain platform; the blockchain platform encrypts and stores the execution record of the fund recovery smart contract and the snapshot of the fund recovery smart contract, and returns the fund recovery status of successful fund recovery to the smart contract platform after successful storage; Receive the fund recovery information returned by the blockchain platform; The fund recovery situation is returned to the bank external liaison system; wherein, after the bank external liaison system receives the fund recovery situation feedback from the smart contract platform, if the fund recovery situation is successful, the fund recovery situation is returned to the lender.

7. A fund supervision device based on smart contracts, characterized in that: Applied to bank external connection systems, including: A first receiving unit is used to receive a loan request from a lender; wherein the lender has signed a smart contract service agreement and a loan contract with a bank; A first loan verification unit, used to verify the loan request of the lender and obtain a first loan verification result; The first transmission unit is used to transmit the loan request to the smart contract platform if the first loan verification result indicates that the verification is passed; wherein, after receiving the loan request, the smart contract platform will verify the loan request and obtain a second loan verification result; if the second loan verification result indicates that the verification is successful, the loan smart contract is executed with the lender, and the execution record of the loan smart contract is recorded; the execution record of the loan smart contract and the snapshot of the loan smart contract are uploaded to the blockchain platform; the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after successful storage, and the smart contract platform returns the loan status to the bank external connection system; A second receiving unit, used to receive loan information fed back by the smart contract platform; The first returning unit is used to return the loan status to the lender if the loan status is successful.

8. A fund supervision device based on smart contracts, characterized in that: Applied to smart contract platforms, including: The seventh receiving unit is used to receive the loan request transmitted by the bank's external connection system; A second loan verification unit, used to verify the loan request and obtain a second loan verification result; A first contract execution unit, configured to execute the loan smart contract with the lender if the second loan verification result indicates that the verification is successful, and record the execution record of the loan smart contract; The first uploading unit is used to upload the execution record of the loan smart contract and the snapshot of the loan smart contract to the blockchain platform; wherein the blockchain platform encrypts and stores the execution record of the loan smart contract and the snapshot of the loan smart contract, and returns the successful loan status to the smart contract platform after the storage is successful; An eighth receiving unit, used to receive the loan information returned by the blockchain platform; The fourth return unit is used to return the loan status to the bank external system; wherein, after the bank external system receives the loan status feedback from the smart contract platform, if the loan status is successful, the loan status is returned to the lender.

9. A server, characterized in that: include: one or more processors; a storage device having one or more programs stored thereon; When the one or more programs are executed by the one or more processors, the one or more processors implement the smart contract-based fund supervision method as described in any one of claims 1 to 3, or the smart contract-based fund supervision method as described in any one of claims 4 to 6.

10. A storage medium, characterized in that: A computer program is stored thereon, wherein when the computer program is executed by a processor, the fund supervision method based on a smart contract as described in any one of claims 1 to 3, or the fund supervision method based on a smart contract as described in any one of claims 4 to 6 is implemented.

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