Intelligent contract-driven automatic financial accounting system and method

Abstract

The invention relates to the technical field of financial accounting, in particular to an automatic financial accounting system and method driven by an intelligent contract, and the method comprises the steps: creating a programmable accounting contract frame comprising an accounting rule template library; receiving an account division parameter selection instruction through a multi-party consensus engine, and combining the selected account division parameters to generate an account division rule feature vector; matching a target account division algorithm in an account division rule template library based on the account division rule feature vector, and generating an executable account division contract with a dynamic check code; capturing transaction flow data in real time, extracting transaction feature elements, and inputting an executable account division contract through an account division contract verification interface; running the executable account division contract in the intelligent contract execution environment, and executing the result set; and writing the account division execution result set into the block chain network, and synchronously triggering fund transfer operation of each participant account. According to the invention, the intelligent contract and the block chain technology are combined, an automatic financial account division method is provided, and the financial account division efficiency is greatly improved.

Description

Technical Field

[0001] The present invention relates to the technical field of financial account splitting, and in particular to an intelligent contract-driven automated financial account splitting system and method. Background Art

[0002] With the rapid development of blockchain technology and intelligent contracts, many industries have begun to seek to use these emerging technologies to optimize traditional business processes. Especially in the field of financial management, traditional financial account splitting processes usually rely on manual intervention or centralized financial systems, which are not only inefficient but also vulnerable to human errors, information delays, and data security issues; manual account splitting usually involves cumbersome calculation and confirmation steps, and due to the lack of automation and intelligent support, the process of fund transfer and confirmation is relatively slow. In addition, the transparency of traditional financial management systems is relatively low, and the data during the account splitting process often lacks real-time monitoring and traceability, and cannot effectively meet the requirements of modern financial management for security, reliability, and transparency.

[0003] Currently, although some financial management systems have begun to use automated tools to improve efficiency, they still face problems such as insufficient flexibility of account splitting rules, complex cross-chain data processing, and poor timeliness of fund transfer. The account splitting rules in traditional systems are usually set statically and lack the ability to dynamically adapt to different scenarios and the needs of multiple parties. Especially in scenarios involving multiple parties, how to coordinate the account splitting rules among multiple participants, ensure the compatibility of cross-chain data, and achieve real-time fund transfer is still an urgent problem to be solved. Summary of the Invention

[0004] Based on the above purposes, the present invention provides an intelligent contract-driven automated financial account splitting method.

[0005] An intelligent contract-driven automated financial account splitting method includes the following steps:

[0006] S1: Create a programmable account splitting contract framework including an account splitting rule template library through an intelligent contract generation module, and the account splitting rule template library includes a proportional allocation template, a ladder allocation template, and a conditional trigger template;

[0007] S2: Receive the account splitting parameter selection instructions uploaded by each participant terminal through a multi-party consensus engine, and generate an account splitting rule feature vector from the selected account splitting parameter combination;

[0008] S3: Match the target account splitting algorithm in the account splitting rule template library based on the account splitting rule feature vector, and trigger the intelligent contract compilation module to generate an executable account splitting contract with a dynamic verification code;

[0009] S4: Real-time capture transaction flow data through a cross-chain transaction parser, extract transaction feature elements, and input an executable profit-sharing contract through the profit-sharing contract verification interface;

[0010] S5: Run the executable profit-sharing contract in the smart contract execution environment to generate a profit-sharing execution result set including profit-sharing amounts, payee accounts, and profit-sharing vouchers;

[0011] S6: Write the profit-sharing execution result set into the blockchain network through the distributed ledger recording module, and synchronously trigger the fund transfer operations of each participating party's account.

[0012] Further, the S1 includes:

[0013] S11, design a profit-sharing rule template library, create a programmable profit-sharing rule template library, and support proportional allocation templates, ladder allocation templates, and conditional trigger templates;

[0014] S12, create a profit-sharing contract framework through the smart contract generation module, and the profit-sharing contract framework dynamically generates a specific profit-sharing contract by inputting a profit-sharing rule vector;

[0015] S13, execute the profit-sharing contract;

[0016] S14, store different types of profit-sharing rule templates in the designed profit-sharing rule template library;

[0017] S15, smart contract trigger condition: set a condition trigger so that the contract automatically executes the profit-sharing operation when the condition is met.

[0018] Further, the S2 includes:

[0019] S21, receive the profit-sharing parameter selection instruction uploaded by the participating party terminal, and the profit-sharing parameters include profit-sharing ratio, profit-sharing method, threshold setting, and participating party account information;

[0020] S22, verify and preprocess the uploaded profit-sharing parameters: check the format and legality of the parameters uploaded by each participating party;

[0021] S23, conduct a consensus decision through the multi-party consensus engine: the multi-party consensus engine collects the profit-sharing parameters uploaded by all participating parties, and uses the PoW algorithm in the blockchain for consistency verification;

[0022] S24, combine and generate a profit-sharing rule feature vector: convert the consensus profit-sharing parameters into a feature vector, and the feature vector includes all profit-sharing rule information.

[0023] Further, the S3 includes:

[0024] S31, Matching the target algorithm: Select the corresponding profit sharing algorithm according to each element in the profit sharing rule feature vector;

[0025] S32, Triggering the smart contract compilation module: Trigger the smart contract compilation module to generate an executable profit sharing contract according to the matched target profit sharing algorithm;

[0026] S33, Generating and verifying the executable profit sharing contract: The generated profit sharing contract is deployed through the smart contract execution environment. Before the contract is executed, it is compared with the contract code pre-stored in the system through a dynamic verification code;

[0027] S34, Performing the profit sharing operation.

[0028] Furthermore, the S4 includes:

[0029] S41, Real-time capturing of cross-chain transaction flow data: Use a cross-chain transaction parser to receive transaction information from different blockchain networks in real time through API and RPC interfaces, and capture transaction flow data in real time;

[0030] S42, Extracting transaction feature elements: Extract the feature elements of the transaction from the captured transaction flow data, construct a feature vector and perform eigenvalue standardization;

[0031] S43, Inputting the executable profit sharing contract through the profit sharing contract verification interface: Input the extracted transaction feature elements into the executable profit sharing contract through the verification interface;

[0032] S44, Executing the contract and generating a result: According to the input transaction data, the smart contract will execute according to the set profit sharing rules and generate a result.

[0033] Furthermore, the S5 includes:

[0034] S51, Running the executable profit sharing contract in the smart contract execution environment;

[0035] S52, Generating and outputting the profit sharing execution result set.

[0036] Furthermore, the S51 deploys the compiled profit sharing contract to the smart contract execution environment of the blockchain and triggers the execution function of the contract through the smart contract call interface.

[0037] Furthermore, the S52 generates an execution result set including the profit sharing amount, the payee's account, and the profit sharing voucher after the contract is executed.

[0038] Furthermore, the S6 includes:

[0039] S61, Writing the profit sharing execution result set into the blockchain network through the distributed ledger recording module;

[0040] S62. Synchronously trigger the fund transfer operations of each participating party's account: Automatically transfer the split amount through triggering the fund transfer operation of the smart contract, and synchronously update the fund status of the participating party's account.

[0041] S63. Blockchain data verification and traceability: Through the event mechanism of the smart contract and the immutability of the blockchain network.

[0042] An automated financial split - account system driven by a smart contract, used to implement the above - mentioned automated financial split - account method driven by a smart contract, includes the following modules:

[0043] Smart contract generation module: Create a programmable split - account contract framework, and build a split - account rule template library including proportional allocation templates, ladder allocation templates, and conditional trigger templates.

[0044] Multi - party consensus engine module: Receive the split - account parameter selection instructions uploaded by each participating party's terminal, and generate a split - account rule feature vector through the multi - party consensus mechanism.

[0045] Split - account contract compilation module: According to the generated split - account rule feature vector, match the target split - account algorithm in the split - account rule template library, and trigger the compilation of the smart contract to generate an executable split - account contract with a dynamic verification code.

[0046] Cross - chain transaction parser: Real - time capture and parse data streams from different on - chain and off - chain, extract transaction feature elements, and input these elements into the executable split - account contract through the split - account contract verification interface.

[0047] Smart contract execution environment: Run the executable split - account contract, and calculate the split - amount, payee account, and split - account voucher generated according to the contract logic to form the final split - account execution result set.

[0048] Distributed ledger recording module: This module writes the split - account execution result set into the blockchain network and synchronously triggers the fund transfer operations of each participating party's account.

[0049] Advantages of the present invention:

[0050] By combining smart contract and blockchain technologies, the present invention provides an automated financial split - account method, which not only greatly improves the efficiency of financial split - accounts, but also eliminates errors and delays that may be caused by manual intervention. Through the smart contract generation module, split - account contracts adapted to different scenarios and the needs of participating parties can be automatically created according to the preset split - account rule templates, making the split - account rules more flexible and automated. In addition, the system can automatically execute fund transfers based on real - time capture and processing of transaction data, ensuring the timely arrival and accurate allocation of funds. This innovative technology eliminates the inefficient links in manual operations and improves the overall efficiency of financial management.

[0051] The present invention uses distributed ledger technology to record all sub - account operations on the blockchain, ensuring the openness, transparency, and immutability of data. Through the decentralized feature of the blockchain, the system can effectively prevent data leakage and tampering problems, providing a reliable guarantee for multi - party financial management. In addition, the execution of smart contracts not only reduces human intervention, ensures the fairness of sub - account operations, but also enables real - time tracing and auditing of each transaction, improving the transparency and security of the entire financial process. Brief Description of the Drawings

[0052] In order to more clearly illustrate the technical solutions in the present invention or the prior art, the following will briefly introduce the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings in the following description are only those of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0053] Figure 1 It is a schematic flow chart of the method according to an embodiment of the present invention;

[0054] Figure 2 It is a schematic diagram of the system modules according to an embodiment of the present invention. Detailed Embodiments

[0055] To make the objectives, technical solutions, and advantages of the present invention clearer and more understandable, the following further elaborates on the present invention in combination with specific embodiments.

[0056] It should be noted that unless otherwise defined, the technical terms or scientific terms used in the present invention should have the ordinary meanings understood by those with ordinary skills in the field to which the present invention belongs. The "first", "second", and similar terms used in the present invention do not represent any order, quantity, or importance, but are only used to distinguish different components. The terms such as "including" or "comprising" mean that the elements or objects appearing before this word cover the elements or objects listed after this word and their equivalents, without excluding other elements or objects. The terms such as "connected" or "linked" are not limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect. The terms such as "upper", "lower", "left", "right", etc. are only used to represent relative positional relationships. When the absolute position of the object being described changes, the relative positional relationship may also change accordingly.

[0057] As Figure 1 shown, an automated financial sub - account method driven by smart contracts includes the following steps:

[0058] S1: Create a programmable revenue sharing contract framework including a revenue sharing rule template library through a smart contract generation module. The revenue sharing rule template library includes a proportional allocation template, a ladder allocation template, and a conditional trigger template;

[0059] S2: Receive the revenue sharing parameter selection instructions uploaded by each participating party's terminal through a multi-party consensus engine, and generate a revenue sharing rule feature vector from the selected revenue sharing parameter combination;

[0060] S3: Match the target revenue sharing algorithm in the revenue sharing rule template library based on the revenue sharing rule feature vector, and trigger the smart contract compilation module to generate an executable revenue sharing contract with a dynamic verification code;

[0061] S4: Real-time capture transaction flow data through a cross-chain transaction parser, extract transaction feature elements, and input them into the executable revenue sharing contract through the revenue sharing contract verification interface;

[0062] S5: Run the executable revenue sharing contract in the smart contract execution environment to generate a revenue sharing execution result set including the revenue sharing amount, the payee's account, and the revenue sharing voucher;

[0063] S6: Write the revenue sharing execution result set into the blockchain network through a distributed ledger recording module, and synchronously trigger the fund transfer operations of each participating party's account.

[0064] S1 includes:

[0065] S11. Design a revenue sharing rule template library, create a programmable revenue sharing rule template library, support proportional allocation templates, ladder allocation templates, and conditional trigger templates, specifically including:

[0066] (1) Proportional allocation template: The proportional allocation template allocates funds to different payees according to a preset ratio, expressed as:

[0067] Revenue sharing amount i = Total amount × p i , where p i is the allocation ratio of the i-th payee, (The sum of all ratios is 1);

[0068] (2) Ladder allocation template: The ladder allocation template allocates funds according to the interval of the total amount, and is applicable to scenarios of step-by-step allocation, expressed as:

[0069]

[0070] Among them, A v is the threshold of the ladder, k v is the allocation coefficient of the corresponding interval, and m is the number of ladder layers;

[0071] (3) Condition Trigger Template: The condition trigger template triggers the profit sharing operation according to conditions (such as when a certain event occurs), expressed as:

[0072]

[0073] Among them, the condition function f(condition c ) calculates the profit sharing amount according to different conditions (such as sales amount, time, transaction, etc.);

[0074] S12. Create a profit sharing contract framework through the smart contract generation module. The profit sharing contract framework dynamically generates a specific profit sharing contract by inputting a profit sharing rule vector (select proportional allocation, ladder allocation, or condition trigger allocation). The core structure of the profit sharing contract includes:

[0075] (1) Rule Selection Mechanism: Select a suitable template based on the incoming profit sharing parameters;

[0076] (2) Parameter Input Verification: Verify the parameter inputs of all participating parties to ensure compliance with the contract rules;

[0077] (3) Fund Allocation Execution: Execute the profit sharing operation according to the selected rules and record the results;

[0078] S13. Execute the profit sharing contract. The compilation process of the profit sharing contract includes:

[0079] (1) Convert the user's input parameters (such as profit sharing ratio, ladder threshold, etc.) into a profit sharing rule feature vector;

[0080] (2) Select a suitable profit sharing rule template according to the profit sharing rule feature vector and dynamically generate contract code according to the profit sharing rule template;

[0081] (3) Compile the contract code into executable bytecode to generate a profit sharing contract with a dynamic verification code;

[0082] S14. Store different types of profit sharing rule templates in the designed profit sharing rule template library;

[0083] S15. Smart Contract Trigger Condition: Set a condition trigger so that the contract automatically executes the profit sharing operation when the condition is met.

[0084] S2 includes:

[0085] S21. Receive the profit sharing parameter selection instruction uploaded by the participating party terminal. The profit sharing parameters include profit sharing ratio, profit sharing method, threshold setting, and participating party account information;

[0086] S22. Verify and preprocess the uploaded profit sharing parameters: Check the format and legality of the parameters uploaded by each participating party, expressed as:

[0087] (Verification of the proportional allocation rule to ensure that the total proportion is 1);

[0088] where p q is the allocation proportion of the q-th participant, ensuring that the sum of the proportions of all participants is 1;

[0089] S23. Conduct consensus decision-making through a multi-party consensus engine: The multi-party consensus engine collects the profit-sharing parameters uploaded by all participants and uses the PoW algorithm in the blockchain for consistency verification, expressed as:

[0090]

[0091] where p q is the profit-sharing parameter selected by the q-th participant, and w q is the weight value of this participant (which can be allocated based on participation or trust), and finally the parameter with the most votes is selected as the final rule;

[0092] S24. Combine and generate the profit-sharing rule feature vector: Convert the consensus profit-sharing parameters into a feature vector, and the feature vector includes all profit-sharing rule information (proportional allocation, ladder allocation, conditional trigger). The specific steps are as follows:

[0093] (1) Vectorization formula: According to different profit-sharing template types, convert the parameters of each template into a feature vector, expressed as:

[0094] Proportional allocation: v = [p1, p2,..., p n ;

[0095] Ladder allocation: v = [A1, A2,..., A m , k1, k2,..., k m ;

[0096] Conditional trigger: v = trigger condition 1, trigger condition 2,...;

[0097] (2) Combine the feature vectors: The finally generated feature vector will contain the parameters of all profit-sharing rules and be passed as input to the smart contract for reference during contract execution.

[0098] S3 includes:

[0099] S31. Match the target algorithm: According to each element in the profit-sharing rule feature vector, select the corresponding profit-sharing algorithm, expressed as:

[0100]

[0101] where w e is the weight of each profit-sharing parameter, and f(feature parameter eIt is an algorithm matching function corresponding to each characteristic parameter;

[0102] S32. Trigger the smart contract compilation module: According to the matched target profit sharing algorithm, trigger the smart contract compilation module to generate an executable profit sharing contract. The specific steps are as follows:

[0103] (1) Contract compilation: According to the target profit sharing algorithm, the smart contract compilation module converts the target profit sharing algorithm and related profit sharing rules into contract code;

[0104] (2) Generation of dynamic verification code: The compilation module uses the hash algorithm to generate a dynamic verification code (used to verify the correctness and legality of the contract and ensure that the contract has not been tampered with before execution), expressed as:

[0105] Verification code = SHA256(contract code || profit sharing rule parameters || participant information), where "||" represents string concatenation, and the concatenated content of the contract code, profit sharing rule parameters, and participant information generates a unique verification code;

[0106] S33. Generate and verify the executable profit sharing contract: The generated profit sharing contract is deployed through the smart contract execution environment and waits to be triggered for execution. Before the contract is executed, it is compared with the contract code pre-stored in the system through the dynamic verification code to ensure that the contract code has not been tampered with;

[0107] S34. Execute the profit sharing operation.

[0108] S4 includes:

[0109] S41. Real-time capture of cross-chain transaction flow data: Use the cross-chain transaction parser to receive transaction information from different blockchain networks in real time through the API and RPC interfaces, and capture the transaction flow data in real time;

[0110] S42. Extract transaction feature elements: Extract the feature elements of the transaction from the captured transaction flow data, construct a feature vector and perform eigenvalue standardization. The specific steps are as follows:

[0111] (1) Feature extraction: Extract key feature elements from the transaction flow, including the transaction amount feature V b , the transaction timestamp the transaction direction feature D b ∈{income, expenditure}, D b = income (indicating capital inflow), D b = expenditure (indicating capital outflow), the transaction account feature A src and A dest , (A src and A dest are the sender and receiver accounts of the transaction respectively) and the transaction asset type feature

[0112] (2) Feature vector construction: The key feature elements of the extracted transactions are formed into a feature vector, expressed as:

[0113]

[0114] where f b is the feature vector of the b-th transaction, including the amount, timestamp, transaction direction, account information, and asset type;

[0115] (3) Feature value standardization: The numerical features such as the amount and timestamp in the feature vector are standardized, expressed as:

[0116]

[0117] where μ V and σ V are the mean and standard deviation of the transaction amount feature respectively, and μ T and σ T are the mean and standard deviation of the timestamp feature;

[0118] S43. Input the executable profit-sharing contract through the profit-sharing contract verification interface: Input the extracted transaction feature elements into the executable profit-sharing contract through the verification interface. The specific steps are as follows:

[0119] (1) Verification interface design: The profit-sharing contract verification interface receives the feature vector of the transaction flow and verifies it according to the profit-sharing rules of the contract;

[0120] (2) The verification interface checks the features: For each transaction, the verification interface checks whether the transaction features conform to the profit-sharing rules. The profit-sharing rules in the profit-sharing contract are:

[0121] Profit-sharing rules = [proportion rule, ladder rule, conditional rule];

[0122] Verification result = RuleMatchf b , profit-sharing rules;

[0123] where f b is the feature vector of the transaction, and RuleMatch is a function that determines whether the feature vector meets the profit-sharing rules;

[0124] (3) Input the executable profit-sharing contract: If the transaction features conform to the profit-sharing rules, the transaction features and the profit-sharing rules are used as inputs and passed to the smart contract compilation module to generate an executable profit-sharing contract;

[0125] S44. Execute the contract and generate the result: According to the input transaction data, the smart contract will execute according to the set profit-sharing rules and generate the result, specifically including:

[0126] If the contract rule is proportional allocation, the funds will be divided according to the proportion;

[0127] If the contract rule is ladder allocation, the allocation will be based on the preset ladder threshold;

[0128] If the contract rule is condition-triggered, it will be determined whether to conduct the account splitting according to the trigger condition;

[0129] The generated result set is represented as:

[0130] Account splitting execution result = splitting amount, receiving account, account splitting voucher.

[0131] S5 includes:

[0132] S51, running the executable account splitting contract in the smart contract execution environment;

[0133] S52, generating and outputting the account splitting execution result set.

[0134] S51 deploys the compiled account splitting contract to the smart contract execution environment of the blockchain, triggers the execution function of the contract through the smart contract call interface, and the actual calculation of the execution result is represented as:

[0135]

[0136] where p q is the account splitting ratio of the qth participant.

[0137] After the contract execution is completed, S52 generates an execution result set including the splitting amount, the receiving party's account, and the account splitting voucher, which is represented as:

[0138] Account splitting execution result set = {(receiving account 1, splitting amount 1, voucher ID 1), (receiving account 2, splitting amount 2, voucher ID 2) (with three payees)}.

[0139] S6 includes:

[0140] S61, writing the account splitting execution result set into the blockchain network through the distributed ledger recording module;

[0141] S62, synchronously triggering the fund transfer operations of each participant's account: realizing the automatic transfer of the splitting amount by triggering the fund transfer operation of the smart contract, and synchronously updating the fund status of the participant's account;

[0142] S63, blockchain data verification and traceability: through the event mechanism of the smart contract and the immutability of the blockchain network.

[0143] Such as Figure 2As shown in the figure, an intelligent contract-driven automated financial sharing system is used to implement the above-mentioned intelligent contract-driven automated financial sharing method, and includes the following modules:

[0144] Intelligent contract generation module: Create a programmable sharing contract framework and build a sharing rule template library including a proportional allocation template, a ladder allocation template, and a conditional trigger template;

[0145] Multi-party consensus engine module: Receive the sharing parameter selection instructions uploaded by each participating party's terminal and generate a sharing rule feature vector through a multi-party consensus mechanism;

[0146] Sharing contract compilation module: According to the generated sharing rule feature vector, match the target sharing algorithm in the sharing rule template library, and trigger the intelligent contract compilation to generate an executable sharing contract with a dynamic verification code;

[0147] Cross-chain transaction parser: Real-time capture and parse data streams from different on-chain and off-chain, extract transaction feature elements, and input these elements into the executable sharing contract through the sharing contract verification interface;

[0148] Intelligent contract execution environment: Run the executable sharing contract, and calculate the sharing amount, payee account, and sharing voucher generated according to the contract logic to form a final sharing execution result set;

[0149] Distributed ledger recording module: This module writes the sharing execution result set into the blockchain network and synchronously triggers the fund transfer operation of each participating party's account.

[0150] Those of ordinary skill in the art should understand that the discussion of any of the above embodiments is only exemplary and is not intended to imply that the scope of the present invention is limited to these examples; under the idea of the present invention, the technical features in the above embodiments or different embodiments can also be combined, the steps can be implemented in any order, and there are many other variations in different aspects of the present invention as described above, which are not provided in detail for the sake of brevity.

Claims

1. An automated financial account splitting method driven by a smart contract, characterized in that: The following steps are involved: S1: Creating a programmable account splitting contract framework including an account splitting rule template library through a smart contract generation module, wherein the account splitting rule template library includes a proportional allocation template, a step allocation template, and a conditional trigger template; S2: Receive the account splitting parameter selection instructions uploaded by each participant’s terminal through the multi-party consensus engine, and combine the selected account splitting parameters to generate an account splitting rule feature vector; S3: Match the target account splitting algorithm in the account splitting rule template library based on the account splitting rule feature vector, triggering the smart contract compilation module to generate an executable account splitting contract with a dynamic verification code; S4: Capture transaction flow data in real time through the cross-chain transaction parser, extract transaction feature elements, and input executable sub-account contracts through the sub-account contract verification interface; S5: Run the executable split-account contract in the smart contract execution environment to generate a split-account execution result set including the split-account amount, the payee account, and the split-account voucher; S6: Write the sub-account execution result set into the blockchain network through the distributed ledger recording module, and synchronously trigger the fund transfer operation of each participant's account.

2. The method for automated financial account splitting driven by a smart contract according to claim 1, characterized in that: The S1 includes: S11, design the account splitting rule template library, create a programmable account splitting rule template library, support proportional allocation template, step allocation template and conditional trigger template; S12, creating a split-account contract framework through a smart contract generation module, wherein the split-account contract framework dynamically generates a specific split-account contract by inputting a split-account rule vector; S13, execute the split-account contract; S14, storing different types of account splitting rule templates in a designed account splitting rule template library; S15, Smart contract triggering conditions: Set conditional triggers so that the contract automatically executes the account splitting operation when the conditions are met.

3. The method for automated financial account splitting driven by a smart contract according to claim 2, characterized in that: The S2 includes: S21, receiving an instruction for selecting account splitting parameters uploaded by a participant terminal, where the account splitting parameters include account splitting ratio, account splitting method, threshold setting, and participant account information; S22, verify and pre-process the uploaded account splitting parameters: check the format and legality of the parameters uploaded by each participant; S23, consensus decision-making through a multi-party consensus engine: The multi-party consensus engine collects the account sharing parameters uploaded by all participants and uses the PoW algorithm in the blockchain to perform consistency verification; S24, combine and generate the feature vector of the account splitting rules: convert the account splitting parameters after consensus into a feature vector, which includes all the account splitting rule information.

4. The method for automated financial account splitting driven by a smart contract according to claim 3, characterized in that: The S3 includes: S31, matching target algorithm: selecting a corresponding account splitting algorithm according to each element in the account splitting rule feature vector; S32, triggering the smart contract compilation module: triggering the smart contract compilation module to generate an executable account-sharing contract according to the matched target account-sharing algorithm; S33, generate and verify executable split-account contracts: the generated split-account contracts are deployed through the smart contract execution environment. Before the contract is executed, the dynamic verification code is compared with the contract code pre-stored in the system; S34, executing the account splitting operation.

5. The method for automated financial account splitting driven by a smart contract according to claim 4, characterized in that: The S4 includes: S41, real-time capture of cross-chain transaction flow data: using a cross-chain transaction parser to receive transaction information from different blockchain networks through API and RPC interfaces in real time, and to capture transaction flow data in real time; S42, extracting transaction feature elements: extracting transaction feature elements from the captured transaction flow data, constructing feature vectors and performing feature value standardization; S43, inputting the executable sub-account contract through the sub-account contract verification interface: inputting the extracted transaction feature elements into the executable sub-account contract through the verification interface; S44, execute the contract and generate results: Based on the input transaction data, the smart contract will be executed according to the set account splitting rules and generate results.

6. The method for automated financial account splitting driven by a smart contract according to claim 5, characterized in that: The S5 includes: S51, running the executable split-account contract in the smart contract execution environment; S52, generating and outputting the account splitting execution result set.

7. The method for automated financial account splitting driven by a smart contract according to claim 6, characterized in that: The S51 deploys the compiled split-account contract to the smart contract execution environment of the blockchain, and triggers the execution function of the contract through the smart contract call interface.

8. The method for automated financial account splitting driven by a smart contract according to claim 7, characterized in that: After the contract execution is completed, S52 generates an execution result set including the split-account amount, the payee account and the split-account voucher.

9. The method for automated financial account splitting driven by a smart contract according to claim 8, characterized in that: The S6 includes: S61, writing the account execution result set into the blockchain network through the distributed ledger recording module; S62, synchronously triggering the fund transfer operation of each participant's account: the automatic transfer of the split amount is achieved by triggering the fund transfer operation of the smart contract, and the fund status of the participant's account is synchronously updated; S63, Blockchain data verification and traceability: through the event mechanism of smart contracts and the immutability of blockchain networks.

10. An intelligent contract driven automated financial account splitting system, used to implement an intelligent contract driven automated financial account splitting method as claimed in any one of claims 1 to 9, characterized in that: Includes the following modules: Smart contract generation module: Create a programmable split-account contract framework and build a split-account rule template library including proportional allocation templates, step allocation templates, and conditional trigger templates; Multi-party consensus engine module: receives the account splitting parameter selection instructions uploaded by each participant's terminal, and generates the account splitting rule feature vector through the multi-party consensus mechanism; Account splitting contract compilation module: According to the generated account splitting rule feature vector, the target account splitting algorithm is matched in the account splitting rule template library, and the smart contract compilation is triggered to generate an executable account splitting contract with a dynamic verification code; Cross-chain transaction parser: captures and parses data streams from different chains and off-chains in real time, extracts transaction feature elements, and inputs these elements into executable sub-ledger contracts through the sub-ledger contract verification interface; Smart contract execution environment: Run the executable split-account contract and calculate the split-account amount, payee account and split-account voucher generated according to the contract logic to form the final split-account execution result set; Distributed ledger recording module: This module writes the sub-ledger execution result set into the blockchain network and simultaneously triggers the fund transfer operation of each participant's account.

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