Enterprise rewarding fund management method, device and equipment, medium and program product
Through blockchain technology, information encryption storage and verification is carried out in the management of enterprise reward and subsidy funds, the problem of poor information circulation between enterprises, governments and banks has been solved, and the efficiency and transparency of fund issuance has been improved.
Patent Information
- Application Number
- CN202411781932.4
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-12-05
- Publication Date
- 2025-03-25
AI Technical Summary
The poor circulation of information between enterprises, governments and banks has led to inefficient distribution of enterprise reward and subsidy funds, which has affected the timely implementation of funds.
Through blockchain technology, obtain reward and subsidy fund requests from the enterprise side, encrypt and store them, generate application numbers, receive verification requests from the bank side and government side, conduct verification and auditing, generate verification and auditing numbers, and realize transparent and efficient circulation of information.
It improves the transparency of enterprise reward and subsidy fund management and the efficiency of the fund issuance process, ensuring the timely and in place of funds and the compliance of use.
Smart Images
Figure CN119692942A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of blockchain technology, and in particular to a management method, device, equipment, medium and program product for enterprise reward and subsidy funds. Background Art
[0002] In order to guide and encourage enterprises to achieve outstanding achievements or reach specific goals in specific fields or projects, the government will provide incentive and incentive financial support, which is called enterprise reward and subsidy funds. Since the use and management of funds involve policies and regulations, financial management, fund supervision and other aspects, the management of enterprise reward and subsidy funds not only concerns the vital interests of enterprises, but also affects the sustainable development of related industries and the stable growth of social economy.
[0003] In the existing technology, the management method of enterprise reward and subsidy funds is: after the enterprise submits an application for reward and subsidy funds to the government and the bank, the government and the bank verify the authenticity of the application materials, which are then reviewed by professionals from relevant government departments. Once the review is passed, the government will issue a payment instruction to the bank, and the bank, as an agent of local finance, will be responsible for allocating the reward and subsidy funds to the enterprise safely and accurately.
[0004] However, in the existing technology, the management method of enterprise reward and subsidy funds has the problem of poor information flow between enterprises, governments and banks, which leads to inefficiency in the entire fund disbursement process and affects the timely arrival of reward and subsidy funds. Summary of the invention
[0005] The present application provides a management method, device, equipment, medium and program product for enterprise reward and subsidy funds, which are used to solve the technical problem of poor information flow between enterprises, governments and banks.
[0006] In the first aspect, this application provides a method for managing enterprise reward and subsidy funds, including:
[0007] Obtaining a reward and subsidy fund request sent by the enterprise, wherein the reward and subsidy fund request includes fund application information, account information, and enterprise information;
[0008] Encrypting the fund application information, the account information and the enterprise information and storing them in the blockchain, and generating an enterprise application number;
[0009] receiving a first verification request from a bank, wherein the first verification request includes the enterprise application number, verifying the account information based on the enterprise application number to obtain a first verification result, encrypting the first verification result and storing it in a blockchain, and generating a bank verification number;
[0010] Receive a second verification request from the government, where the second verification request includes the enterprise application number and the bank verification number, and based on the enterprise application number and the bank verification number, review the reward and subsidy fund request to obtain a review result, encrypt the review result and store it in the blockchain, and generate a review number.
[0011] In a second aspect, the present application provides a management device for enterprise reward and subsidy funds, including:
[0012] An acquisition module is used to acquire a reward and subsidy fund request sent by an enterprise, wherein the reward and subsidy fund request includes fund application information, account information and enterprise information;
[0013] A generation module, used to encrypt the fund application information, the account information and the enterprise information and store them in the blockchain, and generate an enterprise application number;
[0014] A receiving module, configured to receive a first verification request from a bank, wherein the first verification request includes the enterprise application number;
[0015] The generating module is further configured to verify the account information based on the enterprise application number to obtain a first verification result, encrypt the first verification result and store it in the blockchain, and generate a bank verification number;
[0016] The receiving module is further used to receive a second verification request from the government, where the second verification request includes the enterprise application number and the bank verification number;
[0017] The generation module is also used to review the reward and subsidy fund request based on the enterprise application number and the bank verification number to obtain a review result, encrypt the review result and store it in the blockchain, and generate a review number.
[0018] In a third aspect, an embodiment of the present application provides a management device for enterprise reward and subsidy funds, including: a memory, a processor;
[0019] The memory stores computer-executable instructions;
[0020] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.
[0021] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.
[0022] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.
[0023] The management method, device, equipment, medium and program product of enterprise reward and subsidy funds provided in the present application obtains the reward and subsidy fund request sent by the enterprise side, which includes fund application information, account information and enterprise information, encrypts the fund application information, account information and enterprise information and stores them in the blockchain, and generates an enterprise application number, receives a first verification request from the bank side, the first verification request includes the enterprise application number, verifies the account information based on the enterprise application number to obtain a first verification result, encrypts the first verification result and stores it in the blockchain, and generates a bank verification number, receives a second verification request from the government side, the second verification request includes the enterprise application number and the bank verification number, reviews the reward and subsidy fund request based on the enterprise application number and the bank verification number to obtain a review result, encrypts the review result and stores it in the blockchain, and generates a review number; the method realizes the transparency of enterprise reward and subsidy fund management and improves the efficiency of the enterprise reward and subsidy fund issuance process. BRIEF DESCRIPTION OF THE DRAWINGS
[0024] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.
[0025] Figure 1 Schematic diagram of the management method of the enterprise reward and subsidy funds provided for this application Figure 1 ;
[0026] Figure 2 Schematic diagram of the management method of the enterprise reward and subsidy funds provided for this application Figure 2 ;
[0027] Figure 3 Schematic diagram of the management method of the enterprise reward and subsidy funds provided for this application Figure 3 ;
[0028] Figure 4 A flow chart of the deep learning model training method in the management method of the enterprise reward and subsidy funds provided for this application;
[0029] Figure 5 A schematic diagram of the structure of the management device for the enterprise reward and subsidy funds provided for this application;
[0030] Figure 6 Schematic diagram of the structure of the management equipment for the enterprise reward and subsidy funds provided for this application.
[0031] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION
[0032] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.
[0033] It should be noted that the management methods, devices, equipment, media and program products for enterprise reward and subsidy funds provided in this application can be used in the field of blockchain technology, and can also be used in any field outside the field of blockchain technology. This application does not limit the application fields of the management methods, devices, equipment, media and program products for enterprise reward and subsidy funds.
[0034] In order to promote the development of enterprises in specific fields or projects, the government will provide incentive and incentive financial support, namely enterprise reward and subsidy funds. The management of such funds is not only related to the direct interests of enterprises, but also plays an important role in the sustainable development of the industry and the stable growth of the overall social economy.
[0035] In the existing enterprise reward and subsidy fund management method, enterprises first need to submit applications to the government and banks, and then the government and banks will jointly verify the authenticity of the application materials. Subsequently, professionals from relevant government departments will review the application, and once the review is passed, the government will issue a payment instruction to the bank. As an agent of local finance, the bank is responsible for safely and accurately disbursing the reward and subsidy funds to enterprises.
[0036] However, the current management method of enterprise reward and subsidy funds has problems with the smooth flow of information between enterprises, governments and banks, which affects the efficiency of the fund disbursement process.
[0037] In response to the above problems, the present application provides a method for managing enterprise reward and subsidy funds. The reward and subsidy fund management system receives a reward and subsidy fund request submitted by the enterprise side, which contains fund application information, account information and enterprise information, and then uses encryption technology to protect this information and store it on the blockchain, and generates a unique enterprise application number at the same time. Next, a first verification request is received from the bank side, which contains the enterprise application number, based on which the authenticity of the account information is verified and a first verification result is generated, which is also encrypted and stored in the blockchain, and a bank verification number is generated. After that, a second verification request is received from the government side, which contains both the enterprise application number and the bank verification number, based on which a comprehensive review of the reward and subsidy fund request is conducted to obtain the review result. The review result is also encrypted and securely stored on the blockchain, and an audit number is generated; this method realizes the transparency of enterprise reward and subsidy fund management and improves the efficiency of the enterprise reward and subsidy fund issuance process.
[0038] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.
[0039] Figure 1 Schematic diagram of the management method of the enterprise reward and subsidy funds provided for this application Figure 1 The execution subject of this embodiment is, for example, a reward and subsidy fund management system. Figure 1 As shown, the management method of enterprise reward and subsidy funds shown in this embodiment includes:
[0040] S101: Acquire a reward and subsidy fund request sent by the enterprise, where the reward and subsidy fund request includes fund application information, account information, and enterprise information.
[0041] Among them, the reward and subsidy fund request refers to a formal request submitted by an enterprise to the bank and government through the reward and subsidy fund management system in order to apply for incentive or subsidy funds provided by the government.
[0042] Understandably, the government or bank needs to obtain the reward and subsidy fund request sent by the enterprise, mainly to ensure the fairness, accuracy and efficiency of fund distribution. By obtaining the enterprise's fund application information, the government department can understand the actual needs and development plan of the enterprise, and thus determine whether it meets the requirements of the reward and subsidy policy. At the same time, the provision of account information ensures that the funds can be accurately distributed to the account designated by the enterprise. In addition, the verification of the basic information of the enterprise is also an important part of ensuring the security of funds. Through a strict review process, the government can ensure that the reward and subsidy funds are truly used to support the development and innovation of enterprises and promote stable economic growth.
[0043] S102: Encrypt the fund application information, account information and enterprise information and store them in the blockchain, and generate an enterprise application number.
[0044] Among them, the enterprise application number is used to indicate the unique identity and related information of the reward and subsidy fund request submitted by the enterprise in the reward and subsidy fund management system.
[0045] Understandably, first of all, it is necessary to encrypt the fund application information, account information and enterprise information to ensure the security of this information during transmission and storage. Then, use blockchain technology to store this encrypted information on the blockchain to form an unalterable data chain. At the same time, a unique application number is generated for each enterprise application, and the enterprise application number can be used as an identifier for subsequent review, query and tracking. In this way, not only can the efficiency and security of data storage be improved, but also the review work of the government or bank can be facilitated.
[0046] The purpose of encrypting the funding application information, account information and corporate information and storing them on the blockchain is, firstly, to protect the privacy and security of the funding application information, account information and corporate information and avoid information leakage; secondly, to utilize the immutability of blockchain technology to ensure that the stored information is authentic and reliable, and to provide strong data support for subsequent review and funding disbursement; thirdly, by generating a corporate application number, it is convenient for the government or bank to efficiently manage and track the application status in the subsequent process.
[0047] S103: Receive a first verification request from the bank, the first verification request includes the enterprise application number, verify the account information based on the enterprise application number to obtain a first verification result, encrypt the first verification result and store it in the blockchain, and generate a bank verification number.
[0048] The first verification result includes: verification passed and verification failed.
[0049] It is understandable that when the bank sends the first verification request, the reward and subsidy fund management system will first parse the enterprise application number in the first verification request. Then, based on the enterprise application number, the corresponding account information is searched in the database, matched and verified. The verification process may include checking key information such as account name, account number, and bank of account. Once the verification is completed, the enterprise application number will generate a first verification result, which will be encrypted to ensure its security. The encrypted first verification result will be stored in the blockchain to form an unalterable data record. At the same time, the reward and subsidy fund management system will generate a bank verification number, which will be associated with the verification result and used for subsequent tracking and management. In this way, banks can ensure the authenticity and security of account information and provide strong protection for the disbursement of funds.
[0050] First, the enterprise application number, as a unique identifier, can ensure that the verification request accurately matches the corresponding account information to avoid information confusion or errors. Secondly, by encrypting and storing the first verification result, data leakage or tampering can be effectively prevented, protecting the interests of both banks and enterprises. In addition, generating a bank verification number helps banks track and manage the verification process internally, improving work efficiency and accuracy.
[0051] S104: Receive a second verification request from the government, the second verification request includes the enterprise application number and the bank verification number, and based on the enterprise application number and the bank verification number, review the request for reward and subsidy funds to obtain a review result, encrypt the review result and store it in the blockchain, and generate a review number.
[0052] When the second verification request is received from the government, the enterprise application number and bank verification number are first extracted. Then, the validity of the enterprise application number and bank verification number is verified by comparing them with the enterprise database and bank system. Once the verification is passed, an audit result will be generated to indicate whether the enterprise's request for reward and subsidy funds has been approved. Next, the audit result is encrypted using encryption technology to ensure the security of the data. After that, the encrypted audit result is stored in the blockchain to take advantage of its tamper-proof characteristics to ensure the authenticity of the data. Finally, an audit number is generated and associated with the encrypted audit result for subsequent tracking and management.
[0053] The review based on the enterprise application number and bank verification number is the key information to confirm the enterprise identity and bank account validity. By verifying this information, it can ensure that the subsidy funds are issued to the correct enterprise to prevent mis-issuance. After the review, the results are encrypted and stored in the blockchain to ensure the immutability and security of the data, and the review number is generated for subsequent management.
[0054] The management method of enterprise reward and subsidy funds provided in the embodiment of the present application obtains the reward and subsidy fund request sent by the enterprise side, the reward and subsidy fund request includes fund application information, account information and enterprise information, encrypts the fund application information, account information and enterprise information and stores them in the blockchain, and generates an enterprise application number, receives a first verification request from the bank side, the first verification request includes the enterprise application number, verifies the account information based on the enterprise application number to obtain a first verification result, encrypts the first verification result and stores it in the blockchain, and generates a bank verification number, receives a second verification request from the government side, the second verification request includes the enterprise application number and the bank verification number, based on the enterprise application number and the bank verification number, reviews the reward and subsidy fund request to obtain a review result, encrypts the review result and stores it in the blockchain, and generates a review number; the method realizes the transparency of enterprise reward and subsidy fund management and improves the efficiency of the enterprise reward and subsidy fund issuance process.
[0055] Figure 2 Schematic diagram of the management method of the enterprise reward and subsidy funds provided for this application Figure 2 ,like Figure 2 As shown, in this embodiment Figure 1 Based on the embodiment, a management method for enterprise reward and subsidy funds is described in detail, and the method includes:
[0056] S201: Acquire a reward and subsidy fund request sent by the enterprise, which includes fund application information, account information and enterprise information.
[0057] S202: Encrypt the fund application information, account information and enterprise information and store them in the blockchain, and generate an enterprise application number.
[0058] S203: Receive a first verification request from the bank, where the first verification request includes the enterprise application number.
[0059] When the reward and subsidy fund management system receives the reward and subsidy fund request sent by the enterprise, it will first encrypt the fund application information, account information and enterprise information. This usually involves the use of encryption algorithms and key management mechanisms to ensure the security and integrity of the data. The encrypted fund application information, account information and enterprise information will be stored in the blockchain network to form an unalterable record. At the same time, the reward and subsidy fund management system will automatically generate a unique enterprise application number and associate it with the encrypted information. When the bank initiates the first verification request, the reward and subsidy fund management system will quickly locate the corresponding encrypted information based on the enterprise application number and perform verification operations. In this process, the reward and subsidy fund management system will also ensure the security of communication with the bank to prevent data from being intercepted or tampered with during transmission.
[0060] In order to ensure the security and transparency of the reward and subsidy funds and improve the efficiency of the review, the reward and subsidy fund management system needs to encrypt the fund application information, account information and enterprise information. The encrypted fund application information, account information and enterprise information are stored in the blockchain, which takes advantage of the blockchain's tamper-proof and decentralized characteristics to effectively prevent data leakage. In addition, the enterprise application number is generated to facilitate subsequent tracking and inquiries, ensuring that each fund application can be accurately identified and processed. Receiving the first verification request from the bank and verifying it based on the enterprise application number is to further verify the authenticity of the enterprise information and ensure the accuracy of the fund issuance.
[0061] S204: Obtain encrypted account information from the blockchain based on the enterprise application number.
[0062] The reward and subsidy fund management system will search the blockchain for the encrypted account information associated with the enterprise application number. Due to the decentralization and immutability of the blockchain, this process can ensure the authenticity and integrity of the account information. Once the encrypted account information is found, the reward and subsidy fund management system will use the corresponding decryption algorithm and key to decrypt it to obtain the plain text content of the account information.
[0063] As a unique and unalterable identifier, the enterprise application number can ensure that the corresponding account information can be accurately found in the blockchain. At the same time, encryption processing can effectively protect the privacy and security of account information and prevent information leakage. In this way, the accuracy of information in the process of fund review and payment can be ensured, and the security and efficiency of fund management can be improved.
[0064] S205: Decrypt the encrypted account information, and verify the decrypted account information to obtain a first verification result.
[0065] First, the encrypted account information is decrypted using a decryption algorithm and key to obtain the plain text content of the account information; second, based on the smart contract (a smart contract is an automated contract running on the blockchain that predefines contract terms and execution conditions in code and can be automatically executed once the conditions are met), the plain text content of the account information is checked and confirmed, including but not limited to key information such as account name, account number, and bank of account opening; finally, the first verification result is generated based on the verification result and used in the subsequent funds processing process.
[0066] S206: The first verification result is encrypted and stored in the blockchain, and a bank verification number is generated.
[0067] S207: Receive a second verification request from the government, where the second verification request includes the enterprise application number and the bank verification number.
[0068] When the first verification result is generated, the reward and subsidy fund management system will first encrypt it using an encryption algorithm and key management mechanism. The encrypted first verification result will be stored in the blockchain to form an unalterable data record. At the same time, the reward and subsidy fund management system will generate a unique bank verification number and associate it with the encrypted first verification result. The bank verification number can be used for subsequent inquiries, tracking and management to ensure the smooth progress of the verification process. Through this process, the bank can ensure the authenticity and security of the account information and provide strong protection for the disbursement of funds.
[0069] S208: Obtain the encrypted first verification result from the blockchain based on the bank verification number, and decrypt the encrypted first verification result.
[0070] Obtaining the encrypted first verification result from the blockchain based on the bank verification number and decrypting the encrypted first verification result means using the unique bank verification number provided by the bank as an index to retrieve the corresponding encrypted data in the distributed ledger of the blockchain, and then using the corresponding decryption algorithm and key to restore the encrypted first verification result to a readable plain text form.
[0071] S209: When the first verification result obtained by decryption indicates that the bank verification is passed, the encrypted fund application information, account information and enterprise information are obtained from the blockchain based on the enterprise application number, the encrypted fund application information, account information and enterprise information are decrypted, and the decrypted enterprise information is verified. When the decrypted enterprise information is verified to be passed, the decrypted fund application information, account information and enterprise information are reviewed to obtain the review result.
[0072] When the first verification result indicates that the bank verification is passed, the reward and subsidy fund management system will retrieve the encrypted fund application information, account information and enterprise information from the blockchain based on the enterprise application number. Then, the fund application information, account information and enterprise information are decrypted using the corresponding decryption algorithm and key. After decryption, the reward and subsidy fund management system verifies the enterprise information based on the smart contract, including checking the key information such as the enterprise's registration information and legal representative. If the enterprise information verification is passed, the integrity and compliance of the fund application information, account information and enterprise information will be reviewed, and the review results will be finally obtained, and the decision on whether to approve the fund application will be made based on the review results.
[0073] In the process of fund application and disbursement, it is crucial to ensure the authenticity and accuracy of fund application information, account information and enterprise information. The passing of the first verification result provides preliminary guarantee for the subsequent review process, but the verification of enterprise information and fund application information, account information and enterprise information is a key step to ensure the security of funds. Through this process, the reward and subsidy fund management system can determine the qualifications of the enterprise and the authenticity of the application, so as to make reasonable decisions.
[0074] Optionally, the specific implementation method of auditing the decrypted fund application information, account information and enterprise information to obtain the audit result is: input the decrypted fund application information, account information and enterprise information into a pre-trained deep learning model to obtain the audit result output by the deep learning model.
[0075] During the review process, the decrypted funding application information, account information, and corporate information will be used as input data and fed into the pre-trained deep learning model. The deep learning model will conduct a comprehensive analysis of these input data, including but not limited to analysis of multiple dimensions such as application amount, application reason, account status, corporate credit record, etc. Finally, a comprehensive result is given for these input data, namely the review result.
[0076] Using deep learning models to review fund application information, account information, and corporate information can not only improve the efficiency and accuracy of the review, but also reduce errors caused by human factors, providing strong protection for the safe and compliant use of funds.
[0077] S210: The audit result is encrypted and stored in the blockchain, and an audit number is generated.
[0078] The audit results obtained through the deep learning model are processed through encryption technology to ensure their security and privacy, and then the encrypted audit results are stored in the distributed ledger of the blockchain. At the same time, in order to manage this audit process, the reward and subsidy fund management system will generate a unique audit number, which is associated with the encrypted audit results.
[0079] The management method of enterprise reward and subsidy funds provided in the embodiment of the present application obtains a reward and subsidy fund request sent by the enterprise side, the reward and subsidy fund request includes fund application information, account information and enterprise information, encrypts the fund application information, account information and enterprise information and stores them in the blockchain, and generates an enterprise application number, receives a first verification request from the bank side, the first verification request includes the enterprise application number, obtains the encrypted account information from the blockchain based on the enterprise application number, decrypts the encrypted account information, verifies the decrypted account information, obtains a first verification result, encrypts the first verification result and stores it in the blockchain, and generates a bank verification number, receives a second verification request from the government side, the second verification request includes the enterprise application number and the bank verification number , based on the bank verification number, obtaining the encrypted first verification result from the blockchain, and decrypting the encrypted first verification result. When the decrypted first verification result indicates that the bank verification is passed, obtaining the encrypted fund application information, account information and enterprise information from the blockchain based on the enterprise application number, decrypting the encrypted fund application information, account information and enterprise information, and verifying the decrypted enterprise information. When the decrypted enterprise information is verified to be passed, reviewing the decrypted fund application information, account information and enterprise information to obtain the review result, encrypting the review result and storing it in the blockchain, and generating a review number; this method realizes the transparency of enterprise reward and subsidy fund management and improves the efficiency of the enterprise reward and subsidy fund issuance process.
[0080] Figure 3 Schematic diagram of the management method of the enterprise reward and subsidy funds provided for this application Figure 3 ,like Figure 3 As shown, in this embodiment Figure 1 Based on the embodiment, the management progress of the enterprise reward and subsidy funds is described in detail. The method includes:
[0081] S301: receiving a query request sent by a query end, the query request including an audit number, and the query end is a bank end or an enterprise end.
[0082] When the bank or enterprise needs to query the audit results or fund status of the fund application, they will send a query request containing the audit number to the reward and subsidy fund management system. After receiving the query request, the reward and subsidy fund management system will first verify the validity and legality of the audit number to ensure the authenticity and accuracy of the query request. Then, the reward and subsidy fund management system will search the database for the corresponding audit results or fund status information according to the audit number and return it to the query end. Through this process, the reward and subsidy fund management system can efficiently process query requests and ensure the transparency and traceability of the fund application and audit process.
[0083] S302: Obtain the encrypted audit result from the blockchain according to the audit number and send it to the query end.
[0084] The reward and subsidy fund management system will obtain the encrypted audit results from the blockchain according to the audit number and return them to the query end. If the audit number included in the query request is invalid or expired, the reward and subsidy fund management system will return an error message, informing the query end that it cannot provide the relevant audit results.
[0085] Through the review number, the bank or enterprise can obtain the current progress of the funding application, including key information such as whether it has passed the review and whether the funds have been disbursed. At the same time, this also provides a means for the reward and subsidy fund management system to verify the authenticity and legality of the query request, ensuring that only authorized users can access the relevant funding application and review results.
[0086] S303: When the audit result is passed, the issuance record sent by the receiving bank is stored in the blockchain and an issuance number is generated.
[0087] When the review result of the reward and subsidy fund management system is passed, the reward and subsidy fund management system will automatically trigger the function of receiving the bank's issuance record. The received issuance record will be verified by the reward and subsidy fund management system to ensure its authenticity and validity. Subsequently, the issuance record will be stored in the blockchain, using the distributed storage and encryption technology of the blockchain to ensure its security. At the same time, the reward and subsidy fund management system will generate a unique issuance number for each issuance record to facilitate subsequent inquiries by users.
[0088] The management method of enterprise reward and subsidy funds provided in the embodiment of the present application receives a query request sent by a query end, the query request includes an audit number, and the query end is a bank end or an enterprise end. The encrypted audit result is obtained from the blockchain according to the audit number and sent to the query end. When the audit result is passed, the issuance record sent by the bank end is received, the issuance record is stored in the blockchain, and a issuance number is generated; this method realizes an efficient, transparent and secure review and issuance process.
[0089] Figure 4 The flow chart of the deep learning model training method in the management method of the enterprise reward and subsidy funds provided for this application is as follows: Figure 4 As shown, in this embodiment Figure 2 Based on the embodiment, a deep learning model training method in the management method of enterprise reward and subsidy funds is described in detail, and the method includes:
[0090] S401: Acquire multiple sample sets containing different numbers of samples, where the samples include fund application information, account information, enterprise information, and audit result labels of sample enterprises.
[0091] Multiple sample sets with different numbers of samples are obtained from actual business scenarios. These sample sets are composed of different numbers of samples, and each sample contains the sample company's fund application information (such as application amount, purpose, etc.), account information (such as account balance, transaction records, etc.), basic company information (such as years of establishment, annual revenue, industry category, etc.) and audit result labels (such as passed, failed and reasons).
[0092] The formula for the sample set is:
[0093]
[0094] in, Indicates A sample set, Indicates Funding application information for samples, Indicates Account information of samples, Indicates Sample company information, Indicates The audit results of samples, Indicates The number of samples in a sample set.
[0095] For example, the sample set includes sample 1 and sample 2. [Sample 1] Fund application information: application amount of 5 million yuan, used for production line upgrade; account information: A company account balance of 8 million yuan, active account in the past year; A company information: established for 5 years, annual revenue of 100 million yuan, ranked in the top ten in the industry; audit result label: audit passed. [Sample 2] Fund application information: application amount of 2 million yuan, used for market research; account information: company account balance of 3 million yuan, with short-term loan record; company information: established for 3 years, annual revenue of 50 million yuan, emerging company; audit result label: audit failed (reason: insufficient account balance and poor loan record).
[0096] S402: For each number of sample sets, the sample sets are randomly divided multiple times according to a preset ratio to obtain training samples and test samples. For the results of each division, the deep learning model is trained using the training samples and verified using the test samples to obtain the error sum of the training errors corresponding to the multiple divisions.
[0097] For each number of sample sets, multiple random divisions are performed according to a preset ratio (such as 70% training set, 30% test set). This means that in order to determine the performance of the deep learning model under different data distributions, each number of sample sets is randomly divided into training samples and test samples. The training samples are used in the model training process, that is, to let the model learn the characteristics and rules in the data; while the test samples are used in the model verification process, that is, to determine the model's predictive ability on unseen data. For the result of each division, the deep learning model is trained with the training samples and verified with the test samples to calculate and record the error sum of the training error.
[0098] The calculation formula for the error sum of training error is:
[0099]
[0100]
[0101]
[0102] in, Indicates that it contains A sample set of samples, Indicates the preset division ratio (for example, the training set accounts for 70% and the test set accounts for 30%). represents the number of random divisions, Represents the sample set Conduct the The training set obtained after the division is Represents the sample set Conduct the The test set obtained after the division is represents a deep learning model, Indicates the use of training set Training the model After that, the error on the training set is Represents the sample set conduct After the division, the sum of the training errors.
[0103] S403: Determine the target number of training samples based on the error sum corresponding to each number of sample sets, and obtain training samples according to the target number for training.
[0104] According to the error sum corresponding to each number of sample sets, a sample number with a smaller error sum and tending to be stable is selected as the target number. The model is retrained using the target number of samples to obtain the final deep training model.
[0105] Too few samples may lead to underfitting of the model and fail to fully capture the characteristics and patterns of the data; too many samples may increase training time and computing costs, and may introduce noise, leading to overfitting of the model. Therefore, by determining the sum of errors under different numbers of samples, we can determine a balance point that can both ensure model performance and control training costs, that is, the target number of samples.
[0106] The deep learning model training method in the enterprise reward and subsidy fund management method provided in the embodiment of the present application obtains multiple sample sets containing different numbers of samples, and the samples include fund application information, account information, enterprise information and audit result labels of the sample enterprises. For each number of sample sets, the sample sets are randomly divided multiple times according to a preset ratio to obtain training samples and test samples. For the results of each division, the deep learning model is trained with the training samples, and verified with the test samples to obtain the error sum of the training errors corresponding to the multiple divisions. Based on the error sum corresponding to each number of sample sets, the target number of training samples is determined, and training samples are obtained for training according to the target number. The method improves the training efficiency and accuracy of the deep learning model by randomly dividing different numbers of sample sets multiple times, training and verifying the deep learning model, and determining the target number of samples based on the error sum.
[0107] Figure 5 The structural diagram of the management device of the enterprise reward and subsidy funds provided for this application is as follows: Figure 5 As shown, the management device 500 for enterprise reward and subsidy funds provided in this embodiment includes:
[0108] The acquisition module 501 is used to acquire the reward and subsidy fund request sent by the enterprise side, wherein the reward and subsidy fund request includes fund application information, account information and enterprise information;
[0109] A generation module 502 is used to encrypt the fund application information, the account information and the enterprise information and store them in the blockchain, and generate an enterprise application number;
[0110] A receiving module 502, configured to receive a first verification request from a bank, wherein the first verification request includes the enterprise application number;
[0111] The generating module 502 is further configured to verify the account information based on the enterprise application number to obtain a first verification result, encrypt the first verification result and store it in the blockchain, and generate a bank verification number;
[0112] The receiving module 502 is further configured to receive a second verification request from the government, wherein the second verification request includes the enterprise application number and the bank verification number;
[0113] The generation module 502 is also used to review the reward and subsidy fund request based on the enterprise application number and the bank verification number to obtain a review result, encrypt the review result and store it in the blockchain, and generate a review number.
[0114] In a possible implementation, the apparatus further includes: a determination module 504;
[0115] The acquisition module 501 is further used to obtain encrypted account information from the blockchain based on the enterprise application number;
[0116] The determination module 504 is used to decrypt the encrypted account information and verify the decrypted account information to obtain the first verification result.
[0117] In a possible implementation, the device further includes: a processing module 505;
[0118] The processing module 505 is used to obtain the encrypted first verification result from the blockchain based on the bank verification number, and decrypt the encrypted first verification result;
[0119] The processing module 505 is further configured to obtain the encrypted fund application information, account information and enterprise information from the blockchain based on the enterprise application number, decrypt the encrypted fund application information, account information and enterprise information, and verify the decrypted enterprise information when the first verification result obtained by decryption indicates that the bank verification is passed;
[0120] The determination module 504 is further configured to, when the decrypted enterprise information is verified to be successful, audit the decrypted fund application information, account information and enterprise information to obtain the audit result.
[0121] In a possible implementation manner, the receiving module 503 is further configured to receive a query request sent by a query end, wherein the query request includes the review number, and the query end is the bank end or the enterprise end;
[0122] The acquisition module 501 is also used to obtain the encrypted audit result from the blockchain according to the audit number and send it to the query end.
[0123] In a possible implementation manner, the receiving module 503 is further configured to receive a disbursement record sent by the bank when the audit result is approved;
[0124] The generation module 502 is also used to store the issuance record in the blockchain and generate a issuance number.
[0125] In a possible implementation, the determination module 504 is further used to input the decrypted fund application information, account information, and enterprise information into a pre-trained deep learning model to obtain the audit result output by the deep learning model.
[0126] In a possible implementation, the acquisition module 501 is further used to acquire multiple sample sets containing different numbers of samples, where the samples include fund application information, account information, enterprise information, and audit result labels of sample enterprises;
[0127] The determination module 504 is further configured to randomly divide the sample set for each number of sample sets according to a preset ratio for multiple times to obtain training samples and test samples, and train the deep learning model using the training samples for each division result, and verify the model using the test samples to obtain the sum of the training errors corresponding to the multiple divisions;
[0128] The determination module 504 is further configured to determine a target number of training samples based on the sum of errors corresponding to each number of sample sets;
[0129] The processing module 505 is further configured to obtain training samples according to the target number for training.
[0130] The management device for enterprise reward and subsidy funds provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.
[0131] Figure 6 A schematic diagram of the structure of the management equipment for the enterprise reward and subsidy funds provided for this application. Figure 6 As shown, the electronic device 600 provided in this embodiment includes: at least one processor 601 and a memory 602. Optionally, the device 600 also includes a communication component 603. The processor 601, the memory 602 and the communication component 603 are connected via a bus 604.
[0132] In a specific implementation process, at least one processor 601 executes the computer execution instructions stored in the memory 602, so that at least one processor 601 executes the above method.
[0133] The specific implementation process of the processor 601 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.
[0134] In the above embodiments, it should be understood that the processor can be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in the invention can be directly implemented as a hardware processor, or can be implemented by a combination of hardware and software modules in the processor.
[0135] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (NVM), such as at least one disk storage.
[0136] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of this application is not limited to only one bus or one type of bus.
[0137] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.
[0138] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.
[0139] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.
[0140] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.
[0141] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.
[0142] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
[0143] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
[0144] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.
[0145] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.
[0146] It should be noted that, for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily required by the present application.
[0147] It should be further noted that, although the various steps in the flowchart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these sub-steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
[0148] It should be understood that the above-mentioned device embodiments are only illustrative, and the device of the present application can also be implemented in other ways. For example, the division of units / modules in the above-mentioned embodiments is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units, modules or components can be combined, or can be integrated into another system, or some features can be ignored or not executed.
[0149] In addition, unless otherwise specified, each functional unit / module in each embodiment of the present application may be integrated into one unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The above-mentioned integrated unit / module may be implemented in the form of hardware or in the form of a software program module.
[0150] If the integrated unit / module is implemented in the form of hardware, the hardware may be a digital circuit, an analog circuit, etc. The physical implementation of the hardware structure includes but is not limited to transistors, memristors, etc. Unless otherwise specified, the processor may be any appropriate hardware processor, such as a CPU, a GPU, an FPGA, a DSP, an ASIC, etc. Unless otherwise specified, the storage unit may be any appropriate magnetic storage medium or magneto-optical storage medium, such as a resistive random access memory (RRAM), a dynamic random access memory (DRAM), a static random access memory (SRAM), an enhanced dynamic random access memory (EDRAM), a high-bandwidth memory (HBM), a hybrid memory cube (HMC), etc.
[0151] If the integrated unit / module is implemented in the form of a software program module and sold or used as an independent product, it can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a memory, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to execute all or part of the steps of the various embodiments of the present application. The aforementioned memory includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.
[0152] In the above embodiments, the description of each embodiment has its own emphasis. For the part not described in detail in a certain embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined arbitrarily. In order to make the description concise, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.
[0153] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the following claims.
[0154] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.
Claims
1. A method for managing enterprise reward and subsidy funds, characterized in that: include: Obtaining a reward and subsidy fund request sent by the enterprise, wherein the reward and subsidy fund request includes fund application information, account information, and enterprise information; Encrypting the fund application information, the account information and the enterprise information and storing them in the blockchain, and generating an enterprise application number; receiving a first verification request from a bank, wherein the first verification request includes the enterprise application number, verifying the account information based on the enterprise application number to obtain a first verification result, encrypting the first verification result and storing it in a blockchain, and generating a bank verification number; Receive a second verification request from the government, where the second verification request includes the enterprise application number and the bank verification number, and based on the enterprise application number and the bank verification number, review the reward and subsidy fund request to obtain a review result, encrypt the review result and store it in the blockchain, and generate a review number.
2. The method according to claim 1, characterized in that The verifying the account information based on the enterprise application number to obtain a first verification result includes: Obtaining encrypted account information from the blockchain based on the enterprise application number; The encrypted account information is decrypted, and the decrypted account information is verified to obtain the first verification result.
3. The method according to claim 1, characterized in that: The review result of the reward and subsidy fund request is obtained by reviewing the reward and subsidy fund request based on the enterprise application number and the bank verification number, including: Obtaining an encrypted first verification result from the blockchain based on the bank verification number, and decrypting the encrypted first verification result; When the first verification result obtained by decryption indicates that the bank verification is passed, the encrypted fund application information, account information and enterprise information are obtained from the blockchain based on the enterprise application number, the encrypted fund application information, account information and enterprise information are decrypted, and the decrypted enterprise information is verified. When the decrypted enterprise information is verified to be passed, the decrypted fund application information, account information and enterprise information are reviewed to obtain the review result.
4. The method according to any one of claims 1 to 3, characterized in that: Also includes: receiving a query request sent by a query end, wherein the query request includes the review number, and the query end is the bank end or the enterprise end; The encrypted audit result is obtained from the blockchain according to the audit number and sent to the query end.
5. The method according to claim 4, characterized in that Also includes: When the audit result is passed, the issuance record sent by the bank is received, the issuance record is stored in the blockchain, and an issuance number is generated.
6. The method according to claim 3, characterized in that The audit result obtained by auditing the decrypted fund application information, account information and enterprise information includes: The decrypted fund application information, account information and enterprise information are input into a pre-trained deep learning model to obtain the audit result output by the deep learning model.
7. The method according to claim 6, characterized in that The deep learning model is trained using the following method: Acquire multiple sample sets including different numbers of samples, wherein the samples include fund application information, account information, enterprise information, and audit result labels of sample enterprises; For each number of sample sets, the sample sets are randomly divided multiple times according to a preset ratio to obtain training samples and test samples. For the result of each division, the deep learning model is trained using the training samples, and the test samples are used for verification to obtain the error sum of the training errors corresponding to the multiple divisions; Based on the sum of errors corresponding to each number of sample sets, a target number of training samples is determined, and training samples are obtained according to the target number for training.
8. A management device for enterprise reward and subsidy funds, characterized in that: include: An acquisition module is used to acquire a reward and subsidy fund request sent by an enterprise, wherein the reward and subsidy fund request includes fund application information, account information and enterprise information; A generation module, used to encrypt the fund application information, the account information and the enterprise information and store them in the blockchain, and generate an enterprise application number; A receiving module, configured to receive a first verification request from a bank, wherein the first verification request includes the enterprise application number; The generating module is further configured to verify the account information based on the enterprise application number to obtain a first verification result, encrypt the first verification result and store it in the blockchain, and generate a bank verification number; The receiving module is further used to receive a second verification request from the government, where the second verification request includes the enterprise application number and the bank verification number; The generation module is also used to review the reward and subsidy fund request based on the enterprise application number and the bank verification number to obtain a review result, encrypt the review result and store it in the blockchain, and generate a review number.
9. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.
11. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 7 when being executed by a processor.