Block chain enabled intelligent personal saving account management system

Abstract

The invention discloses a blockchain-enabled intelligent personal saving account management system, and the system comprises a bank personal saving business system which is installed and deployed in an internal network system of a bank, and is used for managing a personal saving account; the deposit person mobile phone wallet system is installed and deployed on a mobile terminal of a deposit person and is used for accessing a personal saving account of the deposit person; the account related person mobile phone wallet system is used for a personal saving account of a deposit person; the notarization system is used for carrying out notarization processing on a specified account heritage allocation scheme; the public license center system is used for providing license contents of the depositor and related persons of the depositor for the bank personal saving service system; a block chain network of the block chain system comprises a notarization mechanism node and a bank saving service node. The blockchain enabled intelligent personal saving account management system has the advantages that the service range of personal saving business is expanded, the account is highly intelligent, the security is high, the expandability is good, and the like.

Description

Technical Field

[0001] The present invention relates to a blockchain technology, in particular to an intelligent personal savings account management system empowered by blockchain. Background Art

[0002] The personal savings business of banks refers to a financial business in which banks establish accounts for natural persons, receive deposits from depositors, pay interest on their deposits, and provide services such as withdrawals and transfers.

[0003] Among them, education savings and retirement savings enjoy certain tax incentives approved by relevant national departments.

[0004] The characteristics of various bank personal savings services include: (1) only providing deposit, withdrawal, and transfer services, and requiring the account holder to operate in person; (2) all services provided are only for the account holder; (3) all services are only available during the lifetime of the account holder. Once the account holder dies, the account is immediately sealed and waiting for relevant departments to dispose of the estate, and the bank does not provide additional services.

[0005] The management mode of personal savings accounts by financial institutions focuses on risk control but lacks in services, resulting in an imbalance between risk control and services. The design deficiencies in aspects such as non-holder conditional withdrawals, agreed automatic transfers, and post-mortem account handling have led to many negative social reactions, highlighting the outdated personal savings account management mode and the urgent need for innovation to achieve a balance between risk control and services and meet the needs of depositors. Summary of the Invention

[0007] The present invention aims to avoid the deficiencies in the existing technologies described above and provides an intelligent personal savings account management system empowered by blockchain to solve the problem that legal non-account holders cannot normally use the account in existing personal savings services.

[0008] The present invention adopts the following technical solutions to solve the technical problems.

[0009] The present invention provides an intelligent personal savings account management system empowered by blockchain, including a bank personal savings business system, a depositor mobile wallet system, an account-related person mobile wallet system, a notarization system, a public certificate center system, and a blockchain system; The bank personal savings business system is installed and deployed in the internal network system of the bank and is used to manage personal savings accounts; The depositor mobile wallet system is installed and deployed on the depositor's mobile terminal and is used to access the depositor's personal savings account; The account-related person mobile wallet system is installed and deployed on the mobile terminal of the depositor's related person and is used for the depositor's personal savings account; The notarization system is installed and deployed on the computers of notary institutions and is used for notarizing the inheritance distribution plan of designated accounts; The public certificate center system is installed and deployed on the computers of the government's external network. The certificate content is provided by the government and is used to provide the certificate content of the depositor and the relevant persons of the depositor to the bank's personal savings business system and to verify the certificates; In the blockchain system, the blockchain network includes at least one notary institution node and one bank savings business node.

[0010] A blockchain-enabled intelligent personal savings account management system of the present invention is also characterized in that: Further, the mobile terminal is a mobile phone or a tablet computer.

[0011] Further, the bank's personal savings business system includes an account management module, a household deposit processing module, a household withdrawal processing module, a household transfer processing module, an account interest settlement processing model, a rule setting / change module, an automatic transfer service module, a conditional withdrawal service module, an inheritance disposal service module, a notarization application / reception module, a certificate acquisition / verification module, bank key management, a bank signature module, a bank signature verification module, and a bank message sending / message receiving module; The account management module: According to the customer's application, verify the identity information and open a personal savings account for the customer; The household deposit processing module: Process the household deposit; The household withdrawal processing module: Process the household withdrawal; The household transfer processing module: Process the household transfer; The account interest settlement processing model: Settle the interest of the household account; The rule setting / change module: Assist the household to set or initiate changes to automatic transfer, conditional withdrawal, and inheritance disposal; The automatic transfer service module: Automatically transfer according to the rules set by the household (if corresponding terms are set in the rules); The conditional withdrawal service module: Provide conditional withdrawal services according to the rules set by the household (if corresponding terms are set in the rules); The inheritance disposal service module: Provide inheritance distribution services according to the rules set by the household (if corresponding terms are set in the rules); The notarization application / reception module: Between the notary institution, after both parties sign the privacy protection-related agreement, apply for notarization of the inheritance distribution plan set for the designated account and receive the notarization result (electronic notarization certificate); The certificate acquisition / verification module: After signing a privacy protection related agreement with the public certificate center, it acquires or verifies the corresponding certificates set for the designated account according to the conditions; The key management: Manages its own public key and private key; The signature module: Signs the designated information using the private key; The signature verification module: Verifies the received information using the public key of the other party and its own private key; The message sending / message receiving module: Sends and receives privacy protected messages within the service ecosystem network.

[0012] Further, the depositor's mobile wallet system includes an account query module, an account rule setting / query / change module, a depositor key management module, a depositor signature module, a depositor signature verification module, and a depositor message sending / message receiving module; The account query module is used for querying the account deposit details, account withdrawal details, account automatic transfer details, and account conditional withdrawal details; The account rule setting / query / change module enables the depositor to configure, query, or change the rules for their own account; The depositor key management module is used for the depositor to manage their own public key and private key; The depositor signature module enables the depositor to sign the designated information using the private key; The depositor signature verification module enables the depositor to verify the received information using the public key of the other party and their own private key; The depositor message sending / message receiving module enables the depositor to send and receive privacy protected messages within the service ecosystem network.

[0013] Further, the mobile wallet system of the person related to the account enables the person related to the account to query the automatic transfer details, conditional withdrawal details, inheritance distribution details, receive the details of the received funds in the account, manage keys, sign, verify signatures, and send and receive messages for the depositor's account.

[0014] Further, the notarization system includes a received notarization application module, an account inheritance distribution plan filing module, a notarization key management module, a notarization signature module, a notarization signature verification module, and a notarization message sending / message receiving module; The received notarization application module is used for receiving the information to be notarized sent by the bank's personal savings business system and setting the to-be-notarized status; The account inheritance distribution plan filing module is used to initiate a consensus calculation within the blockchain network as the Leader node; The notarization key management module is used to manage its own public key and private key; The notarization signature module is used to sign the specified information with the private key; The notarization signature verification module is used to verify the received information with the public key of the other party and its own private key; The notarization message sending / message receiving module is used to send / receive messages with privacy protection within the service ecological network.

[0015] Further, the public certificate center system includes a certificate sending / checking module, a certificate system key management module, a certificate system signature module, a certificate system signature verification module, and a certificate system message sending / message receiving module; The certificate sending / checking module sends or checks the certificates corresponding to the conditional withdrawal set for the specified account with the "bank personal savings system"; The certificate system key management module is used to manage its own public key and private key; The certificate system signature module is used to sign the specified information with the private key; The certificate system signature verification module is used to verify the received information with the public key of the other party and its own private key; The certificate system message sending / message receiving module is used to send / receive messages with privacy protection within the service ecological network.

[0016] Further, the blockchain system adopts the domestic Chang'an Chain system ChainMaker.

[0017] Compared with the existing technology, the beneficial effects of the present invention are reflected in: The present invention discloses an intelligent personal savings account management system empowered by blockchain, including a bank personal savings business system installed and deployed in the internal network system of the bank for managing personal savings accounts; a depositor mobile wallet system installed and deployed on the mobile terminal of the depositor for accessing the personal savings account of the depositor; an account-related person mobile wallet system for the personal savings account of the depositor; a notarization system for notarizing the inheritance distribution plan of the specified account; a public certificate center system for providing the certificate content of the depositor and the relevant persons of the depositor to the bank personal savings business system; and the blockchain network of the blockchain system includes a notarization institution node and a bank savings business node.

[0018] The intelligent personal savings account management system empowered by blockchain of the present invention has the advantages of expanding the service scope of personal savings business, high account intelligence, high security, and good scalability. Description of the Drawings

[0019] Figure 1It is a comparison schematic diagram of an individual savings account model and an intelligent individual savings account model.

[0020] Figure 2 It is a schematic diagram of an individual savings account model.

[0021] Figure 3 It is a schematic diagram of basic coding representation.

[0022] Figure 4 It is a flowchart of automatic transfer processing.

[0023] Figure 5 It is a flowchart of conditional withdrawal processing.

[0024] Figure 6 It is a flowchart of inheritance distribution processing.

[0025] Figure 7 It is a flowchart of the account rule configuration processing for the household head change.

[0026] Figure 8 It is a flowchart of the interaction between the notary agency and the "bank individual savings system".

[0027] Figure 9 It is a flowchart of the interaction between the public certificate center and the "bank individual savings system".

[0028] Figure 10 It is a schematic diagram of the distributed architecture of the intelligent individual savings service of the present invention.

[0029] The present invention will be further described below through specific embodiments in conjunction with the accompanying drawings. Specific Embodiments

[0030] See Figures 1 to 10 , the present invention provides an intelligent individual savings account management system empowered by blockchain, including a bank individual savings business system, a depositor mobile wallet system, an account-related person mobile wallet system, a notary system, a public certificate center system, and a blockchain system; The bank individual savings business system is installed and deployed in the internal network system of the bank and is used to manage individual savings accounts; The depositor mobile wallet system is installed and deployed on the mobile terminal of the depositor and is used to access the individual savings account of the depositor; The account-related person mobile wallet system is installed and deployed on the mobile terminal of the related person of the depositor and is used for the individual savings account of the depositor; The notary system is installed and deployed on the computer of the notary agency and is used to conduct notarization processing on the designated account inheritance distribution plan; The public certificate center system is installed and deployed on computers on the government extranet. The certificate content is provided by the government and is used to provide the certificate content of the depositor and the relevant persons of the depositor to the bank's personal savings business system and to verify the certificates. The blockchain system has at least one notary agency node and one bank savings business node in the blockchain network.

[0031] Such as Figure 1 , an intelligent personal savings account management system empowered by blockchain of the present invention makes up for the imperfect design of the existing personal savings account model. Banks can use this invention to upgrade existing personal savings services such as "demand deposit", "withdraw in installments while depositing in a lump sum", "fixed-term and current deposit", "call deposit", "deposit with fixed principal and interest withdrawal", etc., to form an intelligent personal savings service.

[0032] The intelligent personal savings account management system empowered by blockchain of the present invention constructs a technical ecosystem composed of blockchain technology, privacy protection technology, load balancing technology, security sharing technology, etc., and also constructs an entity ecosystem including account holders, account-related persons, notaries, certificate issuers, etc. The technical ecosystem and the entity ecosystem jointly support and form a service ecosystem, including automatic transfer, non-holder conditional withdrawal, automatic notarization, inheritance distribution, etc. In terms of banking business management, it makes up for the imperfect design of the original personal savings account model and improves the intelligent level of the bank's personal savings business; it provides services such as automatic transfer, conditional withdrawal, automatic notarization, inheritance distribution, etc. to customers, responds to social needs, can significantly improve the satisfaction of relevant parties, eliminate negative social reactions, and enhance the competitiveness of the same industry.

[0033] In specific implementation, the mobile terminal is a mobile phone or a tablet computer.

[0034] In specific implementation, the bank's personal savings business system includes an account management module, a depositor deposit processing module, a depositor withdrawal processing module, a depositor transfer processing module, an account interest settlement processing model, a rule setting / change module, an automatic transfer service module, a conditional withdrawal service module, an inheritance disposal service module, a notarization application / reception module, a certificate acquisition / verification module, bank key management, a bank signature module, a bank signature verification module, and a bank message sending / message receiving module; The account management module: According to the customer's application, verify the identity information and open a personal savings account for the customer; The depositor deposit processing module: Process the depositor's deposit; The depositor withdrawal processing module: Process the depositor's withdrawal; The depositor transfer processing module: Process the depositor's transfer; The account interest settlement processing model: Settle the interest of the depositor's account; The rule setting / change module: Assists the household head in setting or initiating changes to automatic transfers, conditional withdrawals, and inheritance dispositions; The automatic transfer service module: Automatically conducts transfers according to the rules set by the household head (if corresponding terms are set in the rules); The conditional withdrawal service module: Provides conditional withdrawal services according to the rules set by the household head (if corresponding terms are set in the rules); The inheritance disposition service module: Provides inheritance distribution services according to the rules set by the household head (if corresponding terms are set in the rules); The notarization application / receipt module: After both parties sign a privacy protection-related agreement with a notary institution, applies for notarization of the inheritance distribution plan set for a designated account and receives the notarization result (electronic notarial certificate); The certificate acquisition / verification module: After both parties sign a privacy protection-related agreement with a public certificate center, acquires or verifies the certificates corresponding to conditional withdrawals set for a designated account; The key management: Manages its own public key and private key; The signature module: Signs the designated information using the private key; The signature verification module: Verifies the received information using the other party's public key and its own private key; The message sending / message receiving module: Sends and receives privacy-protected messages within the service ecosystem network.

[0035] In specific implementation, the depositor's mobile wallet system includes an account query module, an account rule setting / query / change module, a depositor key management module, a depositor signature module, a depositor signature verification module, and a depositor message sending / message receiving module; The account query module is used for querying account deposit details, account withdrawal details, account automatic transfer details, and account conditional withdrawal details; The account rule setting / query / change module enables the depositor to configure, query, or change the rules for their own account; The depositor key management module is used for the depositor to manage their own public key and private key; The depositor signature module enables the depositor to sign the designated information using the private key; The depositor signature verification module enables the depositor to verify the received information using the other party's public key and their own private key; The depositor message sending / message receiving module enables the depositor to send and receive privacy-protected messages within the service ecosystem network.

[0036] In specific implementation, the mobile wallet system of the account related person is used to enable the account related person to conduct automatic transfer detail query, conditional withdrawal detail query, inheritance distribution detail query, received payment detail query of the receiving account, key management, signature, signature verification, and message sending / message receiving for the depositor's account.

[0037] In specific implementation, the notarization system includes a notarization application receiving module, an account inheritance distribution plan filing module, a notarization key management module, a notarization signature module, a notarization signature verification module, and a notarization message sending / message receiving module; The notarization application receiving module is used to receive the information to be notarized sent by the bank's personal savings business system and set the to-be-notarized status; The account inheritance distribution plan filing module is used to initiate a consensus calculation within the blockchain network as the Leader node; If a consensus is formed after the consensus calculation, the distribution plan of the consensus is sent to the blockchain system, stored locally in the notary agency, the status is set to "notarized", the fee settlement is carried out, an electronic notarial certificate is automatically formed, and after signature, it is sent to the bank's personal savings business system.

[0038] The notarization key management module is used to manage its own public key and private key; The notarization signature module is used to sign the specified information using the private key; The notarization signature verification module is used to verify the received information using the public key of the other party and its own private key; The notarization message sending / message receiving module is used to conduct privacy-protected message sending / message receiving within the service ecosystem network.

[0039] In specific implementation, the public certificate center system includes a certificate sending / checking module, a certificate system key management module, a certificate system signature module, a certificate system signature verification module, and a certificate system message sending / message receiving module; The certificate sending / checking module sends or checks the certificates corresponding to the conditional withdrawals set for the specified account with the "bank personal savings system"; The certificate system key management module is used to manage its own public key and private key; The certificate system signature module is used to sign the specified information using the private key; The certificate system signature verification module is used to verify the received information using the public key of the other party and its own private key; The certificate system message sending / message receiving module is used to conduct privacy-protected message sending / message receiving within the service ecosystem network.

[0040] In specific implementation, the blockchain system adopts the domestic Chang'an Chain system ChainMaker.

[0041] An intelligent personal savings account management system empowered by blockchain of the present invention has the following advantages.

[0042] 1. In addition to the services enjoyed by existing personal savings accounts, it provides ecological services, including automatic transfer, conditional withdrawal, inheritance distribution, automatic notarization, etc., greatly expanding the service scope of personal savings business.

[0043] 2. It provides an intelligent technology ecosystem, including blockchain technology, privacy protection, load balancing, secure sharing, etc., to form an intelligent processing system.

[0044] 3. It has high security. It adopts digital signature / verification and secure sharing technologies, as well as blockchain consensus computing, distributed storage and other technologies and methods to ensure the high security of the business processing process.

[0045] 4. It has good scalability. If the depositor is willing, as long as "rule setting" and public key / private key application are supplemented, it can be conveniently converted into the intelligent personal savings account referred to in the present invention.

[0046] An intelligent personal savings account management system empowered by blockchain of the present invention defines a model and service ecosystem of an intelligent personal savings account empowered by blockchain, makes up for the imperfect design of the existing personal savings account model, provides ecological services such as automatic transfer, conditional withdrawal, inheritance distribution, automatic notarization, etc., ensures the security and scalability of the system through the corresponding technology ecosystem, well solves the problem of the obsolete personal savings account management mode existing in the current personal savings business, thus realizing the balance of risk control and service, meeting the needs of depositors, and greatly improving the service experience of customers and the competitiveness of the bank in the same industry.

[0047] Such as Figure 1 is a comparison schematic diagram of the personal savings account model and the intelligent personal savings account model. The intelligent personal savings account model of the present invention replaces the password management method with public key and private key, and at the same time adds agreed rules, enabling the depositor of the account to authorize others to obtain partial permissions of the account according to his own will.

[0048] Figure 2It is a schematic diagram of the intelligent personal savings account model of the present invention, in which the personal savings account structure model defined by the present invention is designed. It consists of a main table and thirteen sub-tables. Among them, the main table includes: account number, household head ID, public key / private key corresponding to the account, account balance, total deposit amount of the household head, total withdrawal amount of the household head, total transfer amount of the household head, total interest amount of the account, number of people related to the account, automatic transfer setting identifier, conditional withdrawal setting identifier, inheritance distribution setting identifier, account opening date, account opening institution, account opening handler and other attributes. The twelve sub-tables are respectively: household head information table, household head deposit details table, household head withdrawal details table, household head transfer details table, account interest details table, account related person information table, automatic transfer configuration table, conditional withdrawal configuration table, inheritance distribution configuration table, automatic transfer details table, conditional withdrawal details table, inheritance distribution details table, notarization details table. The content of the main table of this personal savings account model and the content of the thirteen sub-tables are all stored in a distributed manner on the chain in relevant nodes, and the latest content of the main table of the personal savings account model and the latest content of the thirteen sub-tables are saved in the WorldStates of the blockchain.

[0049] Figure 3 It is a schematic diagram of the basic coding representation of the present invention, in which the basic coding table of the personal savings account model is designed. It includes: account related person type coding table, agreed time period coding table, event coding table, automatic transfer / conditional withdrawal mode coding table, supporting document coding table. These five coding tables are all stored on the chain and synchronized in the WorldStates of the blockchain.

[0050] Figure 4 It is a flowchart of the automatic transfer processing of the present invention, in which the processing flow of the automatic transfer is designed. Read the personal savings account main table one by one. First, check the "automatic transfer configuration identifier". If it is "Y", then read the corresponding record in the "automatic transfer configuration table"; then, identify whether the transfer period and the number of transfers meet the requirements, and read / calculate the transfer amount; finally, arrange for the system to automatically transfer, and append the transfer result to the "automatic transfer details table", and append the result to the "automatic transfer details table". The automatic transfer result is stored on the chain and the corresponding record in the WorldStates is updated synchronously. Read and process the next record of the personal savings account main table in a loop until all the main table records are processed.

[0051] Figure 5It is the conditional withdrawal processing flowchart of the present invention, in which the processing flow of conditional withdrawal is designed. Receive the conditional withdrawal application, check whether this person is included in the "Account Related Person Information Table", check whether the withdrawal matters applied for match the "Event Code" and the name of the "Proof Materials", check the agreed time interval, then submit the "Proof Materials" to the "Public License Center" for verification, read the conditional withdrawal mode code of this related person, calculate the amount of this withdrawal, conduct the withdrawal processing, and append the result to the "Conditional Withdrawal Details Table". The conditional withdrawal result is chained and the corresponding record in WorldStates is updated synchronously.

[0052] Figure 6 It is the inheritance distribution processing flowchart of the present invention, in which the processing flow of inheritance distribution is designed. Receive the inheritance distribution application, check whether the inheritance distribution of this account has ended, check whether the applicant is included in the corresponding record of the "Account Related Person Information Table", check the applicant's identity document, submit it to the "Public License Center" for verification, read the distribution ratio of this applicant in the corresponding record of the "Inheritance Distribution Configuration Table", calculate the inheritance amount after tax deduction, conduct the inheritance receipt, and append the result to the "Inheritance Distribution Details Table". The inheritance distribution result is chained and the corresponding record in WorldStates is updated synchronously.

[0053] Figure 7 It is the household head change account rule configuration processing flowchart of the present invention, in which the processing flow of the household head change account configuration rule is designed. The household head modifies the configuration rule through his own wallet system, sends a configuration rule change application to the "Bank Savings Business System", and after receiving this application, the "Bank Savings Business System" signs and sends it to the "Banking Business Node" in the blockchain network. This node initiates a consensus calculation as the Leader node. After forming a consensus, it conducts distributed storage and chains it. The Leader node feeds back the "Change Successful" status to the "Bank Savings Business System", and the "Bank Savings Business System" synchronizes the change result to the wallets of all related persons of this account. The change result is chained and the corresponding record in WorldStates is updated synchronously.

[0054] Figure 8It is the interaction flow chart between the notary agency of the present invention and the "bank personal savings system", in which the processing flow for the notary agency to notarize the inheritance distribution plan is designed. The bank savings business system encapsulates the content of the inheritance distribution configuration form configured by the account household head, signs it, and sends it to the notary system. After the notary system passes the signature verification, as the Leader node, it initiates a consensus calculation in the blockchain network. If the consensus is passed, a notarization result (electronic notarial certificate) is formed and uploaded to the chain for distributed storage and synchronized to the WorldStates. After the fee settlement, the electronic notarial certificate is signed and sent to the bank savings business system. After receiving the electronic notarial certificate, the bank savings business system stores it in the local library and synchronizes it to the household head wallet system and the wallet systems of the relevant persons of the inheritance.

[0055] Figure 9 It is the interaction flow chart between the public certificate center of the present invention and the "bank personal savings system", in which the processing flow for the public certificate center to provide / check certificates is designed. The interaction between the public certificate center and the bank savings business system includes the following two aspects: (1) Request to provide a specified certificate. The bank savings business system encapsulates and signs the certificate request and sends it to the public certificate center. After receiving it, the public certificate center verifies the signature. If the signature verification passes, it searches for the required certificate in the certificate library. If found, it signs the certificate and sends it to the bank savings system.

[0056] (2) Request to check two given certificates. The bank savings business system encapsulates and signs the certificate to be checked and sends it to the public certificate center. After receiving it, the public certificate center verifies the signature. If the signature verification passes, it searches for the certificate to be checked in the certificate library. If found, it makes a comparison, signs the comparison result, and sends it to the bank savings system.

[0057] Figure 10 It is the schematic diagram of the intelligent personal savings business distributed architecture of the present invention, in which the distributed architecture adopted by the present invention when implementing the personal savings account model and service ecosystem is designed. It includes the wallet systems of the account household head and the relevant persons of the account, which interact with the bank savings business system through the wifi network in the Internet space. A Kafka queue is arranged in the bank savings business system for orderly services. An mySQL database is installed in the bank savings business system for storing data related to this system; zookeeper and Nginx components are installed to achieve four-way load balancing, and each load is connected to a blockchain node.

[0058] The following uses a specific embodiment to illustrate the usage process of the blockchain-enabled intelligent personal savings account management system of the present invention.

[0059] In this case, it is assumed that Mr. Niu and his wife Wang *fang have a son Niu *qiang (self-employed) and a daughter Niu *li (a freshman). On October 1, 2024, Mr. Niu opened an intelligent personal savings account defined by this invention at the ZS Bank institution and deposited 200,000 yuan on the same day. Under the guidance of bank staff, Mr. Niu set up automatic account transfer, conditional withdrawal, and inheritance distribution, as follows: Account information = {account number, household head ID, public key / private key, account balance, total deposit amount, total withdrawal amount, total transfer amount, total interest amount, number of people related to the account, automatic transfer setting flag, conditional withdrawal setting flag, inheritance setting flag, account attribute, account opening date, opening institution, account opening handler} = {6217******3455, ZS056202410010086, * / *, 200000.00, 200000.00, 0.00, 0.00, 0.00, 3, 1, 1, 1, 1, 2024-10-01, ZS056, Liu Kai}; Household head information = {household head ID, household head name, gender, date of birth, document type, document number, photo} = {ZS056202410010086, Niu *hu, 1, 19740506, A, 532201********0817, *} Note: According to the national standard "Classification and Codes of Personal Basic Information - Part 1: Codes for Human Gender (GB / T 2261.1-2003)", the gender value of 1 indicates "male".

[0060] Deposit details table = {household head ID, deposit serial number, deposit date, amount of this deposit, cumulative balance} = {ZS056202410010086, 1, 2024-10-01, 200000.00, 200000.00}; Table of information of persons related to the account = {account number, serial number of related person, name, gender, date of birth, document type, document number, type of related person, receiving bank for account opening, receiving account number}. For detailed information, see the following table: Automatic transfer configuration table = {account number, name of related person, type of related person, agreed time period code, automatic transfer mode code, fixed amount, limited number of times, percentage of fixed amount} = {6217******3455, Niu *li, 5, 2, 1, 1500, null, null}; Conditional Withdrawal Configuration Table = {Account Number, Name of Related Person, Type of Related Person, Event Code, Conditional Withdrawal Mode Code, Limited Withdrawal Times, Agreement Time Period Code, Fixed Withdrawal Amount, Fixed Balance Percentage}. Details are shown in the following table: Estate Distribution Configuration Table = {Account Number, Name of Related Person, Type of Related Person, Inheritance Balance Percentage, Proof Material Code}; Details are as follows: Notarization Detail Table = {Account Number, Electronic Notarization Certificate ID, Notarization Certificate Picture, Notarization Institution, Notarization Fee, Notarization Date, Operator} = {6217******3455, GZ20241001009, *, GZ077, 50.00, 2024-10-01, Niulan Ni} In addition to the deposit, withdrawal, transfer, and interest calculation operations of the account holder himself / herself, the following service ecosystem is characterized through configuration for this account: 1. Preset services. Since the account opening date, the bank where the account is opened automatically transfers 1,500 yuan to the receiving account provided to the account holder's daughter Niu *li on the 1st of each month, without limit on the number of times. This service is configured once and executed automatically on time; 2. Sudden services. Events such as the son's unemployment or marriage that cannot be predicted in advance whether they will occur or when they will occur. Once they occur, a certain amount of financial support can be automatically provided. In this example, if the son Niu *qiang fails in business, he can withdraw 50,000 yuan at one time with an unemployment certificate; if the son Niu *qiang gets married, he can withdraw 100,000 yuan at one time with a marriage certificate; if the son Niu *qiang needs to pay the mortgage, he can withdraw 5,000 yuan per month with a purchase contract, without limit on the number of times.

[0061] 3. Accident services. The account has been notarized for estate disposal, and the notarization number is GZ20241001009. Once the account holder passes away, the estate disposal process will be initiated. After deducting taxes according to relevant policies, the remaining part will be paid to the wife Wang *fang, son Niu *qiang, and daughter Niu *li at 50%, 25%, and 25% respectively.

[0062] An intelligent personal savings account management system empowered by blockchain according to the present invention defines an intelligent personal savings account model and service ecosystem, which is an extension of the existing personal savings account model and includes the following aspects: 1. First, the service object is extended from the account holder to the account holder and related persons of the account, and an intelligent operation entity ecosystem is formed with the public certificate center, notarization institution, certificate issuing institution, etc. 2. A technology ecosystem composed of blockchain technology, privacy protection technology, load balancing technology, security sharing technology, etc. is constructed. 3. While retaining services such as deposits, withdrawals, transfers, and interest settlements for the account holder, it expands the service ecosystem consisting of automatic transfers, conditional withdrawals, automatic notarization, and inheritance distribution. Moreover, when data is transmitted between network nodes, measures such as adding digital signatures and verifying signatures are adopted to ensure secure sharing, forming the characteristics of intelligent personal savings services.

[0063] Obviously, if the account holder does not perform rule configuration, the personal savings account model defined by the present invention will degenerate into the existing personal savings account model. Conversely, the existing personal savings account model can be smoothly extended to the personal savings model defined by the present invention, and the operation is convenient.

[0064] In summary, the present invention makes up for the deficiencies in the design of the existing personal savings account model, is an innovation in the application of personal savings services and the implementation method of the service ecosystem, has broad application prospects, and is of great significance for accelerating the high-quality development of the modern financial service industry.

[0065] An intelligent personal savings account management system empowered by blockchain according to the present invention responds to social needs, can significantly improve the satisfaction of relevant parties, eliminate negative social impacts, enhance the competitiveness of the same industry, is an innovation in the application of personal savings services and the implementation method of the service ecosystem, has broad application prospects, and is of great significance for accelerating the high-quality development of the modern financial service industry.

[0066] For those skilled in the art, it is obvious that the present invention is not limited to the details of the above exemplary embodiments, and can be implemented in other specific forms without departing from the spirit or basic characteristics of the present invention. Therefore, from any point of view, the embodiments should be regarded as exemplary and non-restrictive. The scope of the present invention is defined by the appended claims rather than the above description. Therefore, all changes falling within the meaning and scope of the equivalent elements of the claims are intended to be included in the present invention. Any reference signs in the claims should not be regarded as limiting the claims involved.

[0067] In addition, it should be understood that although this specification is described according to embodiments, not every embodiment only contains an independent technical solution. This narrative way of the specification is only for clarity. Those skilled in the art should regard the specification as a whole, and the technical solutions in each embodiment can also be appropriately combined to form other embodiments that can be understood by those skilled in the art.

Claims

1. A blockchain-enabled intelligent personal savings account management system, characterized in that: Including bank personal savings business system, depositor mobile wallet system, account-related person mobile wallet system, notarization system, public certificate center system and blockchain system; The bank's personal savings business system is installed and deployed in the bank's internal network system to manage personal savings accounts; The depositor's mobile wallet system is installed and deployed on the depositor's mobile terminal and is used to access the depositor's personal savings account; The account-related person mobile wallet system is installed and deployed on the mobile terminal of the depositor's related person and is used for the depositor's personal savings account; The notarization system is installed and deployed on the computer of the notarization agency and is used to notarize the estate distribution plan of the designated account; The public certificate center system is installed and deployed on a computer on the government's external network. The certificate content is provided by the government and is used to provide the bank's personal savings business system with the certificate content of depositors and their related persons and to check the certificates; The blockchain system includes at least one notary agency node and one bank savings business node in the blockchain network.

2. According to claim 1, a blockchain-enabled intelligent personal savings account management system is characterized in that: The mobile terminal is a mobile phone or a tablet computer.

3. According to claim 1, a blockchain-enabled intelligent personal savings account management system is characterized in that: The bank's personal savings business system includes an account management module, an account holder deposit processing module, an account holder withdrawal processing module, an account holder transfer processing module, an account interest settlement processing model, a rule setting / changing module, an automatic transfer service module, a conditional withdrawal service module, an estate disposal service module, a notarization application / receiving module, a license acquisition / verification module, a bank key management module, a bank signature module, a bank signature verification module, and a bank message sending / message receiving module; The account management module: based on the customer's application, verify the identity information and open a personal savings account for the customer; The householder deposit processing module processes the householder's deposit; The householder withdrawal processing module is used to process the householder withdrawal; The householder transfer processing module is used to process the householder transfer; The account interest settlement processing model: settle the interest on the account of the head of the household; The rule setting / changing module: assists the householder to set or initiate changes to automatic transfers, conditional withdrawals, and estate disposal; The automatic transfer service module: automatically transfers money according to the rules set by the account owner; The conditional withdrawal service module provides conditional withdrawal services according to the rules set by the account owner; The estate disposal service module provides estate distribution services according to the rules set by the householder; The notarization application / receiving module: after both parties sign the privacy protection agreement, the notarization application for the estate distribution plan set in the designated account and the receipt of the notarization result are carried out with the notarization agency; The certificate acquisition / verification module: acquires or verifies the certificate corresponding to the conditional withdrawal set for the designated account after both parties sign the privacy protection agreement with the public certificate center; The key management: managing one's own public key and private key; The signature module: uses a private key to sign the specified information; The signature verification module: uses the other party's public key and the user's private key to verify the received information; The message sending / message receiving module is used to send / receive messages with privacy protection within the service ecological network.

4. According to claim 1, a blockchain-enabled intelligent personal savings account management system is characterized in that: The depositor mobile wallet system includes an account query module, an account rule setting / query / change module, a depositor key management module, a depositor signature module, a depositor signature verification module and a depositor message sending / message receiving module; The account query module is used for querying account deposit details, account withdrawal details, account automatic transfer details and account conditional withdrawal details; The account rule setting / query / change module is used to enable depositors to configure, query or change the rules of their own accounts; The depositor key management module is used for depositors to manage their own public keys and private keys; The depositor signature module is used to enable the depositor to sign the designated information using the private key; The depositor signature verification module is used to enable the depositor to verify the received information using the other party's public key and his / her own private key; The depositor message sending / message receiving module is used to enable the depositor to send / receive messages with privacy protection within the service ecological network.

5. According to claim 1, a blockchain-enabled intelligent personal savings account management system is characterized in that: The account-related person mobile wallet system is used to enable the account-related person to query the depositor's account for automatic transfer details, conditional withdrawal details, inheritance distribution details, receiving account received funds details, key management, signature, signature verification and message sending / receiving.

6. The blockchain-enabled intelligent personal savings account management system according to claim 1, characterized in that: The notarization system includes a notarization application receiving module, an account estate distribution plan filing module, a notarization key management module, a notarization signature module, a notarization signature verification module, and a notarization message sending / message receiving module; The notarization application receiving module is used to receive the information to be notarized sent by the bank's personal savings business system and set it to a notarization state; The account inheritance distribution plan filing module is used to initiate consensus calculation in the blockchain network as a leader node; The notarization key management module is used to manage one's own public key and private key; The notarization signature module is used to sign the specified information using a private key; The notarization and signature verification module is used to verify the received information using the other party's public key and the person's private key; The notarization message sending / message receiving module is used for sending / receiving messages with privacy protection within the service ecological network.

7. The blockchain-enabled intelligent personal savings account management system according to claim 1, characterized in that: The public certificate center system includes a certificate sending / checking module, a certificate system key management module, a certificate system signature module, a certificate system signature verification module and a certificate system message sending / message receiving module; The certificate sending / checking module sends or checks the certificate corresponding to the conditional withdrawal set for the designated account with the "bank personal savings system"; The certificate system key management module is used to manage its own public key and private key; The certificate system signature module is used to sign the specified information using a private key; The certificate system signature verification module is used to verify the received information using the other party's public key and the person's private key; The certificate system message sending / message receiving module is used to send / receive messages with privacy protection in the service ecological network.

8. The blockchain-enabled intelligent personal savings account management system according to claim 1, characterized in that: The blockchain system adopts the domestic Changan chain system ChainMaker.

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