Financial data processing method based on regional chain

Abstract

The invention relates to the technical field of financial data processing, in particular to a financial data processing method based on a regional chain, and the method comprises the following steps: S1, obtaining financial data, and carrying out the classification processing of the financial data; s2, establishing an intelligent contract for ensuring the automation and security of the transaction; s3, carrying out encryption processing on the classified data by using a Hash encryption technology to obtain an encrypted ciphertext; s4, establishing a comparison table for storing the relationship between the encrypted ciphertext and the data; s5, realizing data storage for the corresponding encrypted ciphertext by using a storage mode of randomly dividing regions, and uploading the comparison table to a cloud server for storage at the same time; s6, during user transaction, risk assessment is carried out on transaction data proposed by the user; and S7, according to the identity information of the user node and the originally stored information, performing comparison and response, and by classifying and processing the data, effectively shortening the data analysis process and improving the data calling efficiency.

Description

Technical Field

[0001] The present invention relates to the technical field of financial data processing, and in particular to a financial data processing method based on regional chain. Background Art

[0002] Financial data processing refers to the process of processing the collected data into data that meets the purpose requirements by using certain means, following certain procedures and requirements. In addition to the general characteristics of data, financial data also has some characteristics of its own: extensiveness, comprehensiveness, reliability, and continuity; the particularity of financial data makes the processing of financial data also have its own special features and special requirements. Its input audit is stricter, the storage capacity is larger, the network transmission is wider, and the data maintenance is more frequent.

[0003] However, the existing financial data processing methods still have certain shortcomings when used. At present, financial data processing faces problems such as large data capacity and diversified forms, which makes analysis and comparison difficult. Moreover, when storing data in the database, it is easy to cause data storage confusion, which leads to a complicated and time-consuming process when retrieving data. In addition, the privacy and security of financial data is very important. Financial data includes personal bank account information, transaction records, credit scores and other sensitive data. The leakage of this information may lead to serious consequences such as personal property loss, credit damage, and even identity theft. Summary of the invention

[0004] The purpose of the present invention is to provide a financial data processing method based on regional chain to solve the problems raised in the above background technology.

[0005] To achieve the above object, the present invention provides the following technical solutions:

[0006] A financial data processing method based on a blockchain comprises the following steps:

[0007] Step S1: Obtain financial data, classify and process the financial data, and store the original data through regional chain nodes;

[0008] Step S2: Establish a smart contract to ensure the automation and security of the transaction;

[0009] Step S3, encrypting the classified data using hash encryption technology to obtain encrypted ciphertext;

[0010] Step S4: Establish a comparison table for storing the relationship between the encrypted ciphertext and the data;

[0011] Step S5, storing the corresponding encrypted ciphertext in a random area storage manner, and uploading the comparison table to the cloud server for storage;

[0012] Step S6: When a user trades, a risk assessment is performed on the transaction data proposed by the user;

[0013] Step S7: respond based on the comparison between the identity information of the user node and the original stored information.

[0014] As a preferred solution of the present invention, in step S1, the process of acquiring financial data includes: the financial data is received through a data submission interface and submitted to a financial institution server for acquisition, and then the data format and data type of the data are identified, and then the corresponding regional chain sub-network is determined according to the data type and data type.

[0015] As a preferred solution of the present invention, in step S1, the data classification and processing process includes dividing the data into structured data and unstructured data, directly storing the structured data on the regional chain, and writing the unstructured data into an off-chain database, extracting basic data items from the data to generate structured data, and the smart contract reads the unstructured data from the off-chain database, and associates the structured data with the smart contract and stores them in a new block.

[0016] As a preferred solution of the present invention, in step S6, the risk assessment process includes classifying the user's transaction data according to the financial data in the regional chain network, and then performing formula data assessment on different risk data according to different types, and at the same time, algorithmically processing the user's transaction data and the strategies corresponding to the classification information, obtaining the strategy results corresponding to each of the data queues, thereby obtaining the corresponding risk coefficient, and feeding back the obtained risk coefficient to the regional chain network for storage, so as to facilitate direct data comparison by users who perform subsequent risk assessments.

[0017] As a preferred solution of the present invention, in step S7, if the stored identity information and the input verification information of the user node are compared successfully, the data download instruction is responded to, the comparison table in the cloud server is accessed, and the corresponding relationship is extracted therefrom, and then the data ciphertext is obtained from the corresponding regional chain according to the corresponding relationship, and the data ciphertext is reversely decrypted using a hash algorithm to obtain the financial data.

[0018] As a preferred solution of the present invention, in step S7, when the comparison and verification between the stored identity information of the user node and the input verification information fails, the data download instruction does not respond and returns to the verification page.

[0019] As a preferred solution of the present invention, in step S3, the hash encryption process includes data input, data processing and data output. The data is input in binary form of arbitrary length, processed by a hash function, and then the processed data is output to obtain a hash value of a fixed length.

[0020] As a preferred solution of the present invention, in step S7, the hash decryption process refers to a process of restoring the original data through the inverse process of the hash algorithm, and the hash decryption process is set to use a rainbow table for cracking.

[0021] As a preferred solution of the present invention, in step S5, a random method is adopted to match the corresponding storage node for the corresponding encrypted ciphertext, and each of the storage nodes needs to be allocated data and there is no overlapping data between them.

[0022] As a preferred solution of the present invention, the financial data includes user personal data, deposit data, fund data, stock data, bond data, insurance data and trust data, etc.

[0023] Compared with the prior art, the present invention has the following beneficial effects:

[0024] 1. In the present invention, by using regional chain technology, regional chain technology and financial data processing process are combined, so as to improve transaction efficiency, reduce costs, enhance security, reduce trust risks, improve automation level and meet regulatory requirements. Regional chain technology can simplify and automate lengthy financial service processes, reduce front-end and back-end interactions, save a lot of manpower and material resources, and improve financial competitiveness. In addition, by classifying and processing data during the processing process, the level and authority of data can be distinguished, and classified storage of data can be realized, which can effectively shorten the data analysis process, improve data retrieval efficiency, and thus reduce the time consumption of data retrieval.

[0025] 2. In the present invention, by setting up the information comparison link, the security of information is protected. When a user conducts a transaction, the stored identity information of the user node and the input verification information need to be verified and compared to see whether the comparison is successful. If the comparison is successful, the data download instruction is responded to, the comparison table in the cloud server is accessed, and the corresponding relationship is extracted therefrom. Then, the data ciphertext is obtained from the corresponding regional chain according to the corresponding relationship, and the data ciphertext is reversely decrypted using the inverse operation of the hash algorithm or the rainbow table to obtain the financial data. The process of data verification and comparison can automatically process a large amount of data, reduce manual operations, and improve work efficiency. At the same time, it can also avoid data processing errors caused by data errors or inconsistencies, and ensure the accuracy and reliability of the data. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] Figure 1It is a schematic diagram of the financial data processing method of the present invention. DETAILED DESCRIPTION

[0027] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present invention.

[0028] The present invention provides a technical solution:

[0029] A financial data processing method based on a blockchain comprises the following steps:

[0030] Step S1: Obtain financial data, classify and process the financial data, and store the original data through regional chain nodes;

[0031] Step S2: Establish a smart contract to ensure the automation and security of the transaction;

[0032] Step S3, encrypting the classified data using hash encryption technology to obtain encrypted ciphertext;

[0033] Step S4: Establish a comparison table for storing the relationship between the encrypted ciphertext and the data;

[0034] Step S5, storing the corresponding encrypted ciphertext in a random area storage manner, and uploading the comparison table to the cloud server for storage;

[0035] Step S6: When a user trades, a risk assessment is performed on the transaction data proposed by the user;

[0036] Step S7: respond based on the comparison between the identity information of the user node and the originally stored information.

[0037] Example 1

[0038] In step S1, the process of acquiring financial data includes: receiving financial data through a data submission interface and submitting it to a financial institution server, then identifying the data format and data type of the data, and then determining the corresponding regional chain network according to the data type and data type;

[0039] In step S1, the data classification and processing process includes dividing the data into structured data and unstructured data. For structured data, it is directly stored on the regional chain. For unstructured data, it is written into the off-chain database, and basic data items are extracted from the data to generate structured data. The smart contract reads the unstructured data from the off-chain database, and associates the structured data with the smart contract and stores it in a new block.

[0040] In step S3, the hash encryption process includes data input, data processing and data output. The data is input in binary form of any length, the data is processed by a hash function, and then the processed data is output to obtain a hash value of a fixed length.

[0041] In step S5, a random method is used to match the corresponding encrypted ciphertext with the corresponding storage node. Each storage node needs to be allocated data and there is no overlapping data between them.

[0042] Among them, by using regional chain technology, regional chain technology and financial data processing process are combined to improve transaction efficiency, reduce costs, enhance security, reduce trust risks, improve automation levels and meet regulatory requirements. Regional chain technology can simplify and automate lengthy financial service processes, reduce front-end and back-end interactions, save a lot of manpower and material resources, and improve financial competitiveness. In addition, by classifying and processing data during the processing process, the level and permissions of data can be distinguished, and classified storage of data can be realized, which can effectively shorten the data analysis process, improve data retrieval efficiency, and thus reduce the time spent on data retrieval.

[0043] Example 2

[0044] In step S6, the risk assessment process includes classifying the user's transaction data according to the financial data in the regional chain network, and then performing formula data assessment on different risk data according to different types, and at the same time, performing algorithm processing on the strategies corresponding to the user's transaction data and the classification information, obtaining the strategy results corresponding to each data queue, thereby obtaining the corresponding risk coefficient, and feeding back the obtained risk coefficient to the regional chain network for storage, so as to facilitate direct data comparison by users who conduct subsequent risk assessment;

[0045] In step S7, if the stored identity information of the user node and the input verification information are successfully compared, the node responds to the data download instruction, accesses the comparison table in the cloud server, and extracts the corresponding relationship from it. Then, the data ciphertext is obtained from the corresponding regional chain according to the corresponding relationship, and the data ciphertext is reversely decrypted using the hash algorithm to obtain the financial data;

[0046] In step S7, when the stored identity information of the user node and the input verification information are compared and verified and fail, the data download instruction does not respond and returns to the verification page;

[0047] Financial data includes user personal data, deposit data, fund data, stock data, bond data, insurance data and trust data, etc. The acquired information includes user registration information, biometric information, etc.

[0048] Among them, by setting up the information comparison link, the security of information is protected. When the user conducts a transaction, the stored identity information of the user node and the input verification information need to be verified and compared to see whether the comparison is successful. If the comparison is successful, the data download instruction is responded to, the comparison table in the cloud server is accessed, and the corresponding relationship is extracted from it. Then, the data ciphertext is obtained from the corresponding regional chain according to the corresponding relationship, and the data ciphertext is reversely decrypted using the inverse operation of the hash algorithm or the rainbow table to obtain the financial data. The process of data verification and comparison can automatically process large amounts of data, reduce manual operations, and improve work efficiency. At the same time, it can also avoid data processing errors caused by data errors or inconsistencies, and ensure the accuracy and reliability of the data.

[0049] The working process of the present invention: When a financial data processing method based on regional chain designed by the present invention is working, the data is first acquired, and then the data is classified and processed according to the data format and data type and the original data is stored. Then the processed data is encrypted and the encrypted ciphertext is obtained, and then the encrypted ciphertext is stored. When the user conducts a transaction, the risk assessment is first performed on the data submitted by the user to check whether it meets the transaction conditions. If the conditions are met, the stored identity information of the user node and the input verification information are verified and compared to see whether the comparison is successful. If the comparison is successful, the data download instruction is responded to, the comparison table in the cloud server is accessed, and the corresponding relationship is extracted therefrom. Then, the data ciphertext is obtained from the corresponding regional chain according to the corresponding relationship, and the data ciphertext is reversely decrypted using the inverse operation of the hash algorithm or a rainbow table to obtain the financial data.

[0050] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A financial data processing method based on blockchain, characterized in that: The steps include: Step S1: Obtain financial data, classify and process the financial data, and store the original data through regional chain nodes; Step S2: Establish a smart contract to ensure the automation and security of the transaction; Step S3, encrypting the classified data using hash encryption technology to obtain encrypted ciphertext; Step S4: Establish a comparison table for storing the relationship between the encrypted ciphertext and the data; Step S5, storing the corresponding encrypted ciphertext in a random area storage manner, and uploading the comparison table to the cloud server for storage; Step S6: When a user trades, a risk assessment is performed on the transaction data proposed by the user; Step S7: respond based on the comparison between the identity information of the user node and the originally stored information.

2. The financial data processing method based on regional blockchain according to claim 1, characterized in that: In step S1, the process of acquiring financial data includes: the financial data is received through a data submission interface and submitted to a financial institution server for acquisition, and then the data format and data type of the data are identified, and then the corresponding regional chain network is determined according to the data type and data type.

3. The financial data processing method based on regional blockchain according to claim 1, characterized in that: In step S1, the data classification and processing process includes dividing the data into structured data and unstructured data. For structured data, it is directly stored on the regional chain. For unstructured data, it is written into the off-chain database, and basic data items are extracted from the data to generate structured data. The smart contract reads the unstructured data from the off-chain database and associates the structured data with the smart contract and stores it in a new block.

4. The financial data processing method based on regional blockchain according to claim 1, characterized in that: In step S6, the risk assessment process includes classifying the user's transaction data according to the financial data in the regional chain network, and then performing formula data assessment on different risk data according to different types, and algorithmically processing the user's transaction data and the strategies corresponding to the classification information, obtaining the strategy results corresponding to each of the data queues, thereby obtaining the corresponding risk coefficient, and feeding back the obtained risk coefficient to the regional chain network for storage, so as to facilitate direct data comparison by users who conduct subsequent risk assessments.

5. The financial data processing method based on regional blockchain according to claim 1, characterized in that: In step S7, if the stored identity information and the input verification information of the user node are compared successfully, the data download instruction is responded to, the comparison table in the cloud server is accessed, and the corresponding relationship is extracted therefrom. Then, the data ciphertext is obtained from the corresponding regional chain according to the corresponding relationship, and the data ciphertext is reversely decrypted using a hash algorithm to obtain the financial data.

6. The financial data processing method based on regional blockchain according to claim 1, characterized in that: In step S7, when the stored identity information of the user node and the input verification information are compared and verified but fail, the data download instruction will not respond and return to the verification page.

7. The financial data processing method based on regional blockchain according to claim 1 is characterized in that: In step S3, the hash encryption process includes data input, data processing and data output. The data is input in binary form of arbitrary length, processed by a hash function, and then the processed data is output to obtain a hash value of fixed length.

8. The financial data processing method based on regional blockchain according to claim 1, characterized in that: In step S7, the hash decryption process refers to a process of restoring the original data through the inverse process of the hash algorithm, and the hash decryption process is set to use a rainbow table for cracking.

9. The financial data processing method based on regional blockchain according to claim 1, characterized in that: In the step S5, a corresponding storage node is matched to the corresponding encrypted ciphertext in a random manner, and each storage node needs to be allocated data and there is no overlapping data between them.

10. The method for processing financial data based on regional blockchain according to claim 1, characterized in that: The financial data includes user personal data, deposit data, fund data, stock data, bond data, insurance data and trust data, etc., and the acquired information includes user registration information, biometric information, etc.

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