Judicial auction intelligent contract fund supervision and accounting system

Abstract

The invention relates to a judicial auction intelligent contract fund supervision and accounting system, and belongs to the cross field of block chains and judicial finance science and technology. The system comprises a cross-chain fund supervision module, an intelligent accounting engine and an intelligent disposal system, can realize fund full-link tracking, automatically analyzes legal instruments to generate an accounting scheme, and supports second-level return of stream beat fund. Through multi-mode payment voucher identification, multi-party security calculation and a digital twin fusing device, the account division accuracy, the fund security and the processing efficiency are improved, and the method is suitable for groundbreaking settlement and cross-border asset disposal scenes.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of cross between blockchain technology and judicial financial technology, and particularly relates to a judicial auction fund supervision system based on smart contract. BACKGROUND

[0002] With the rapid development of blockchain technology and smart contract, many industries have begun to seek to use these emerging technologies to optimize traditional business processes, especially in the field of financial management. Traditional judicial auction financial sub-account process usually relies on manual intervention or centralized financial system, which is not only inefficient, but also vulnerable to human error, information delay and data security problems.

[0003] Manual sub-account involves complex calculation and confirmation steps, and due to the lack of automation and intelligent support, the transfer and confirmation process of funds is relatively slow. The transparency of traditional financial management system is low, and the data in the sub-account process often lacks real-time monitoring and traceability. In the context of judicial auction, the buyer cannot real-time understand the fund freezing state, and the creditor cannot track the sub-account progress. The existing system cannot effectively meet the needs of modern financial management for security, reliability and transparency. At the same time, the sub-account rules in the traditional system are usually statically set, and lack the ability to dynamically adapt to different scenarios and multi-party needs.

[0004] At present, although some financial management systems begin to use automation tools to improve efficiency, they still face many technical problems. On the one hand, the existing system lacks flexibility in sub-account rules, making it difficult to adapt to the complex distribution rules in judicial auction. On the other hand, cross-chain data processing is complex, and with the attempt of multi-city courts to establish local judicial chains, cross-chain fund processing has become a new challenge. The existing system cannot effectively compatible different blockchain protocols, resulting in cross-border auction fund return time far exceeding the required period of "People's Court Auction Management Regulations". There is no good solution to these technical problems at present. SUMMARY

[0005] (I) Technical problems solved

[0006] In view of the above defects or improvement needs of the prior art, the present application provides a judicial auction smart contract fund supervision and sub-account system, which can effectively eliminate the delay of judicial fund supervision, solve the problem of precision of sub-account of multiple creditors, and realize zero delay of returned funds in the case of flow auction.

[0007] (II) Technical solutions

[0008] In order to achieve the above purpose, the present application is realized by the following technical solutions:

[0009] The judicial auction smart contract fund supervision and sub-account system comprises a cross-chain fund supervision module, a smart sub-account engine and a smart disposal system.

[0010] The cross-chain fund supervision module includes a multi-modal payment voucher identification unit, a dual-chain anchored supervision account pool, and an anti-quantum encryption storage.

[0011] Specifically, the multi-modal payment voucher identification unit is a multi-modal payment voucher identification unit deploying optical character recognition and bill watermark detection.

[0012] The dual-chain anchored supervision account pool realizes fund full-link tracking by establishing a cross-chain mapping relationship between the judicial chain and the bank alliance chain.

[0013] The anti-quantum encryption storage adopts a Lattice-based encryption algorithm to sign and store the fund flow direction.

[0014] The intelligent distribution engine includes a judgment book analysis unit, a multi-party secure computing unit (MPC), and a dynamic distribution instruction generator.

[0015] Specifically, the judgment book analysis unit extracts the creditor priority and debt ratio in legal documents based on the BERT-NLP model.

[0016] The multi-party secure computing unit performs homomorphic encryption desensitization processing on the creditor identity and amount sensitive fields to protect privacy data.

[0017] The dynamic distribution instruction generator outputs a distribution instruction set containing a central bank digital currency (DC / EP) template.

[0018] The intelligent disposal system includes a missed bid fund return unit, a exchange rate risk hedging engine, and a digital twin fuse device.

[0019] Specifically, the missed bid fund return unit supports second-level return and interest automatic calculation in the original path.

[0020] The exchange rate risk hedging engine real-time interfaces with the data interface of the foreign exchange administration bureau to dynamically adjust the cross-border fund exchange rate.

[0021] The digital twin fuse device transfers abnormal funds to a virtual supervision account and triggers a three-level early warning mechanism.

[0022] Specifically, the three-level early warning mechanism includes:

[0023] Level 1: Trigger account freezing when the transaction deviation is greater than 10%;

[0024] Level 2: Start audit tracing when cross-chain hash does not match;

[0025] Level 3: Activate key rotation when quantum attack features are activated.

[0026] The overall workflow of the judicial auction smart contract fund supervision and account distribution system includes a fund locking phase, a smart account distribution phase, and an exception handling phase.

[0027] In the fund locking phase, the buyer completes the payment of the deposit through mobile payment, the payment amount / time is extracted through optical character recognition, the payment voucher is verified through the bill watermark multi-modal recognition unit, the smart contract is created, the exclusive supervision account is created in the judicial chain, the fund is frozen in real time, and the blockchain storage is generated;

[0028] In the smart account distribution phase, the key clauses of the judgment are parsed through the natural language processing engine, the priority of the creditor is processed through the multi-party secure computing module, the account distribution scheme containing the legal digital currency template is dynamically generated, and the transfer is automatically executed through the central bank payment system;

[0029] In the exception handling phase, when the reserve price is not reached at the end of the bidding or the buyer's qualification fails, the second-level return mechanism is automatically triggered, the cross-border payment is protected through real-time exchange rate hedging, the funds are returned, the fund return storage is generated, the abnormal funds are taken over through the digital twin system, and then the three-level early warning mechanism is automatically started, the emergency response is started, the log warning is generated, the manual audit is entered, and finally the problem is solved through judicial intervention.

[0030] (Three) beneficial effects

[0031] Overall, compared with the prior art, the above technical solutions conceived by the present application can achieve the following beneficial effects:

[0032] (1) The present application automatically analyzes legal documents through natural language processing technology, eliminates manual calculation errors, reduces the account distribution error rate to below the industry average, and supports complex account distribution scenarios with more than 100 creditors, thereby improving the accuracy of account distribution.

[0033] (2) The fund freezing audit time is shortened from 3-5 days to 5 seconds, and the returned funds are credited in seconds, improving the efficiency of fund circulation.

[0034] (3) The present application resists future computing power attacks through quantum encryption technology, uses a digital twin system to achieve risk isolation, improves the fund safety event traceability rate, and enhances the security performance of the system.

[0035] (4) The present application is applicable to bankruptcy liquidation and cross-border asset disposal scenarios, and can solve the multi-party fund distribution regulation problem of article 16 of the United Nations Commission on International Trade Law Model Law on Electronic Transferable Records. BRIEF DESCRIPTION OF DRAWINGS

[0036] Figure 1 The system architecture diagram of the judicial auction smart contract fund supervision and account distribution system of the present application;

[0037] Figure 2 The workflow diagram of the judicial auction intelligent contract fund supervision and account distribution system of the application;

[0038] Figure 3 The process diagram for verifying the payment voucher by the multi-modal payment voucher identification unit in the application. DETAILED DESCRIPTION

[0039] In order to enable personnel in the art to better understand the present application, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, not all. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative labor should be within the scope of protection of the present application.

[0040] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily describe a specific order or sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device including a series of steps or units does not necessarily limit to those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0041] As shown in Figure 1 The judicial auction intelligent contract fund supervision and account distribution system includes a cross-chain fund supervision module, an intelligent account distribution engine and an intelligent disposal system.

[0042] As shown in Figure 1 The cross-chain fund supervision module includes a multi-modal payment voucher identification unit, a double-chain anchored supervision account pool and a quantum-resistant encryption storage. The multi-modal payment voucher identification unit deploys a multi-modal payment voucher identification unit of optical character recognition and bill watermark detection; the double-chain anchored supervision account pool realizes fund full-link tracking by establishing cross-chain mapping relationship between judicial chain and bank alliance chain; the quantum-resistant encryption storage adopts Lattice-based encryption algorithm to sign and store the fund flow direction.

[0043] As shown in Figure 1As shown, the intelligent distribution engine includes a judgment analysis unit, a multi-party secure computing unit, and a dynamic distribution instruction generator. The judgment analysis unit extracts the creditor priority and debt ratio in the legal document based on the BERT-NLP model; the multi-party secure computing unit performs homomorphic encryption desensitization processing on the creditor identity and amount sensitive field to protect privacy data; and the dynamic distribution instruction generator outputs a distribution instruction set containing a digital currency (DC / EP) template.

[0044] As shown, Figure 1 The intelligent disposal system includes a missed bid fund return unit, a exchange rate risk hedging engine, and a digital twin fuse device. The missed bid fund return unit supports second-level return and interest automatic calculation on the original path; the exchange rate risk hedging engine connects the data interface of the foreign exchange administration bureau in real time, dynamically adjusts the cross-border fund exchange rate; and the digital twin fuse device transfers abnormal funds to a virtual supervision account and triggers a three-level early warning mechanism.

[0045] Specifically, the three-level early warning mechanism includes:

[0046] Level 1: Trigger account freezing when transaction deviation is > 10%;

[0047] Level 2: Start audit tracing when cross-chain hash does not match;

[0048] Level 3: Activate key rotation when quantum attack features are detected.

[0049] As shown, Figure 2 The overall workflow of the judicial auction intelligent contract fund supervision and distribution system includes a fund locking phase, an intelligent distribution phase, and an abnormal disposal phase.

[0050] In the fund locking phase, the buyer completes the payment of the deposit through mobile payment, optical character recognition extracts the payment amount / time, and payment voucher verification is completed through the bill watermark multi-modal recognition unit. An intelligent contract is created, a dedicated supervision account is created on the judicial chain, funds are frozen in real time, and a blockchain storage is generated;

[0051] In the intelligent distribution phase, the natural language processing engine analyzes the key clauses of the judgment, the multi-party secure computing module processes the creditor priority, dynamically generates a distribution scheme containing a legal digital currency template, and automatically interfaces with the central bank payment system to execute the transfer;

[0052] In the abnormal disposal phase, when the reserve price is not reached at the end of the bidding or the buyer's qualification fails, resulting in a missed bid, a second-level original path return mechanism is automatically triggered. Real-time exchange rate risk hedging ensures cross-border payment, returns the missed bid funds, generates a fund return storage, takes over the abnormal funds through the digital twin system, and then automatically starts a three-level early warning mechanism, initiates an emergency response, generates a log warning, enters manual review, and finally solves the problem through judicial intervention.

[0053] Embodiment 1:

[0054] The system is used for the liquidation of the bankruptcy of an enterprise in a certain region.

[0055] In the fund locking stage, the buyer pays 120 million yuan for the commercial land use right through bank transfer, inputs the payment voucher into the system, extracts the payment amount / time through optical character recognition, verifies the payment voucher through the bill watermark multi-modal recognition unit, completes the bill watermark verification after three seconds, creates an intelligent contract, creates a special supervision account in the judicial chain, realizes real-time fund freezing and generates a block chain storage record;

[0056] In the intelligent distribution stage, the system parses the key clauses of the judgment through the natural language processing engine, obtains the priority claims of the workers' wages of 4.8 million yuan, the tax of 11.5 million yuan, and the engineering cost of 32 million yuan, processes the priority of the creditors through the multi-party secure computing module, dynamically generates a distribution scheme containing a legal digital currency template, obtains the distribution scheme of 100% of the workers' wages, 82.3% of the restricted target amount of the engineering cost, and the remaining amount is distributed according to the proportion of the ordinary claims, and automatically connects the central bank payment system to execute the transfer.

[0057] Those skilled in the art will readily understand that the above description is only the preferred embodiment of the present application and is not intended to limit the present application. Any modification, equivalent replacement and improvement made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A smart contract fund supervision and revenue sharing system for judicial auctions, characterized in that, This includes a cross-chain fund supervision module, an intelligent ledger engine, and an intelligent disposal system; The cross-chain fund supervision module is used to realize payment voucher verification, full-chain fund tracking and encrypted evidence storage; The intelligent revenue sharing engine is used to parse legal documents, process creditor priorities, and generate revenue sharing instructions. The intelligent handling system is used for returning funds for failed auctions, hedging exchange rate risks, and handling abnormal fund circuit breakers.

2. The judicial auction smart contract fund supervision and revenue sharing system according to claim 1, characterized in that, The cross-chain fund supervision module includes: A multimodal payment voucher recognition unit is used to verify payment vouchers through optical character recognition and watermark detection. A dual-chain anchored regulatory account pool is used to establish a cross-chain mapping relationship between the judicial chain and the banking consortium chain, enabling full-chain tracking of funds; A quantum-resistant encryption storage unit is used to sign and store evidence of fund flows using a Lattice-based encryption algorithm.

3. The judicial auction smart contract fund supervision and revenue sharing system according to claim 1, characterized in that, The intelligent revenue sharing engine includes: The judgment parsing unit is used to extract creditor priority and debt ratio from legal documents based on the BERT-NLP model; A multi-party secure computation unit is used to perform homomorphic encryption and desensitization processing on sensitive fields such as creditor identity and amount; A dynamic revenue sharing instruction generator, used to output a set of revenue sharing instructions containing a template for the central bank digital currency.

4. The judicial auction smart contract fund supervision and revenue sharing system according to claim 1, characterized in that, The intelligent processing system includes: The unit for returning funds to unsold auction items supports instant return via the original path and automatic interest calculation. The exchange rate risk hedging engine is used to connect to the State Administration of Foreign Exchange's data interface in real time and dynamically adjust the exchange rate for cross-border funds. The digital twin circuit breaker is used to transfer abnormal funds to a virtual supervisory account and trigger a three-level early warning mechanism.

5. The intelligent processing system according to claim 4, characterized in that, The three-level early warning mechanism includes: Level 1 Warning: Account freeze is triggered when the transaction deviation exceeds 10%; Level 2 alert: Audit tracing is initiated when cross-chain hash mismatch occurs; Level 3 warning: Activate key rotation when quantum attack characteristics are detected.

6. A method for fund supervision and revenue sharing in judicial auction smart contracts, characterized in that, Includes the following steps: Funds Lock-up Phase: Verify payment credentials, create smart contracts, freeze funds, and generate blockchain evidence. Intelligent revenue sharing phase: Analyze the judgment, process creditor priorities, generate revenue sharing plan and execute fund transfer; Abnormal handling phase: Funds for failed auctions are returned within seconds, exchange rate risk is hedged, and a three-level early warning mechanism is activated.

7. A method for fund supervision and revenue sharing in judicial auction smart contracts according to claim 6, characterized in that, The aforementioned fund lock-up phase specifically includes: Verify payment vouchers using a multimodal recognition unit; Create a dedicated escrow account within the judicial blockchain to achieve real-time fund freezing; Generate blockchain-based evidence of frozen funds.

8. A method for fund supervision and revenue sharing in judicial auction smart contracts according to claim 6, characterized in that, The intelligent revenue sharing stage specifically includes: Analyzing key clauses of the judgment using natural language processing technology; Creditor priority is handled through multi-party secure computation; It dynamically generates a set of account splitting instructions containing a template for the central bank digital currency and automatically connects to the central bank's payment system to execute transfers.

9. A method for fund supervision and revenue sharing in judicial auction smart contracts according to claim 6, characterized in that, The anomaly handling phase specifically includes: When a bid fails to sell, the mechanism of returning the bid to the original source within seconds is automatically triggered. Adjust cross-border exchange rates using an exchange rate risk hedging engine; The abnormal funds were transferred to a digital twin supervision account, triggering a three-level early warning mechanism.

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