CN112308700A - Method and device for processing enterprise credit investigation data, computer equipment and storage medium - Google Patents

Abstract

The application relates to a processing method, a device, computer equipment and a storage medium of enterprise credit investigation data, wherein a transaction request sent by a target enterprise client is obtained, and the transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information; and establishing an association relation between the target enterprise and an associated bank according to the target enterprise identifier and the associated bank identifier, and updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract through the association relation, so that the problem of information asynchronization between the bank and the enterprise is effectively solved, and the data security sharing between different banks can be ensured.

Description

Method and device for processing enterprise credit investigation data, computer equipment and storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for processing enterprise credit investigation data, a computer device, and a storage medium.

Background

Compared with large enterprises in the industry, medium and small enterprises are economic units with smaller personnel scale, asset scale and operation scale, and the medium and small enterprises may have small scale, short operation time and nonstandard management. The problems caused by the method include the unsound financial system and even the possible problem of making a false account. However, because of the poor transparency of the information, the information which is not compliant for some small and medium-sized enterprises is not public and cannot be known by banks. When small and medium enterprises apply for financing to banks, the cost of information search is high for the banks, and the cost of loan net loss and performance supervision is also relatively high.

In the traditional technology, the construction of a social credit system is lagged, and social intermediary mechanisms for credit rating are extremely lack, so that the difficulty and the risk of credit granting of small and medium-sized enterprises are high. Only when some small and medium-sized enterprises have close soft relations with local banks, the small and medium-sized enterprises can relatively know each other, so that the small and medium-sized enterprises can apply for financing to a certain extent in a small range.

Therefore, the problem of information asynchronism between bank enterprises exists in the traditional technology about enterprise credit investigation data.

Disclosure of Invention

Based on this, it is necessary to provide a method, an apparatus, a computer device and a storage medium for processing enterprise credit investigation data, which can solve the problem of information asynchronism between banks in the conventional technology.

A method for processing enterprise credit investigation data, the method comprising:

acquiring a transaction request sent by a target enterprise client, wherein the transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information;

establishing an association relation between a target enterprise and an associated bank according to the target enterprise identifier and the associated bank identifier, wherein the target enterprise is provided with an enterprise credit investigation account, the enterprise credit investigation account is provided with a resource quantity, the resource quantity is used for representing evaluation information of target enterprise credit investigation, and the resource is used for representing target enterprise credit investigation;

and updating the quantity of the resources in the enterprise credit investigation account according to the transaction operation information and the intelligent contract through the incidence relation, wherein the intelligent contract is used for defining the conditions of triggering the intelligent contract by the resources and the transaction request.

In one embodiment, the establishing, in a federation chain, an association relationship between a target enterprise and an associated bank according to the target enterprise identifier and the associated bank identifier includes:

establishing an incidence relation between a target enterprise and an associated bank in a alliance chain according to the target enterprise identification and the associated bank identification, and initializing an enterprise credit investigation account of the target enterprise, wherein the enterprise credit investigation account has an initial resource quantity;

the updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract comprises the following steps:

and updating the initial resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

In one embodiment, the updating the resource amount in the enterprise credit investigation account according to the transaction operation information and the intelligent contract comprises:

and if the target enterprise client sends a transaction request to the nodes of other banks, updating the resource quantity in the enterprise credit investigation account by the nodes of other banks according to the transaction operation information and the intelligent contract.

In one embodiment, the intelligent contract defines a performance operation of the target enterprise, and the transaction operation information is performance operation information; the acquiring of the transaction request sent by the target enterprise client comprises:

the nodes of other banks acquire the fulfillment operation request sent by the target enterprise client;

if the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract, and the method comprises the following steps:

and if the target enterprise client sends a fulfillment operation request to the nodes of other banks, the nodes of the other banks increase the corresponding resource quantity on the basis of the original resource quantity in the enterprise credit investigation account according to the fulfillment operation information and the intelligent contract.

In one embodiment, the intelligent contract defines default operation of the target enterprise, and the transaction operation information is default operation information; the acquiring of the transaction request sent by the target enterprise client comprises:

the nodes of other banks acquire default operation requests sent by the target enterprise client;

if the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource quantity in the enterprise credit investigation account according to the default operation information and the intelligent contract, and the method comprises the following steps:

and if the target enterprise client sends default operation requests to the nodes of other banks, reducing the corresponding resource quantity by the nodes of the other banks on the basis of the original resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

In one embodiment, the updating, by the node of the other bank, the resource amount in the enterprise credit investigation account according to the transaction operation information and the intelligent contract includes:

if the target enterprise client sends a performing operation request to the nodes of other banks, adding corresponding amount of resources in the nodes of other banks, and transferring the added corresponding amount of resources to the nodes of the associated banks by the nodes of other banks;

and if the target enterprise client sends the default operation request to the nodes of other banks, the nodes of the associated banks transfer the resources with the corresponding quantity to the nodes of the other banks, and the nodes of the other banks reduce the transferred resources with the corresponding quantity.

In one embodiment, the updating the initial resource amount in the enterprise credit investigation account according to the transaction operation information and the intelligent contract comprises:

generating a pre-preparation message according to the transaction operation information, and broadcasting the pre-preparation message on the alliance chain; the pre-preparation information is used for indicating each backup node on the alliance chain to generate a preparation message according to the pre-preparation information and broadcasting the preparation message on the alliance chain; the preparation information is used for indicating other backup nodes and the main node on the alliance chain to generate a submission message according to the preparation information and broadcasting the submission message on the alliance chain;

and increasing or decreasing the initial resource quantity in the enterprise credit investigation account according to the submission information and the intelligent contract.

An apparatus for processing enterprise credit investigation data, the apparatus comprising:

the system comprises a transaction request acquisition module, a transaction processing module and a transaction processing module, wherein the transaction request acquisition module is used for acquiring a transaction request sent by a target enterprise client, and the transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information;

the incidence relation establishing module is used for establishing the incidence relation between a target enterprise and an incidence bank according to the target enterprise identification and the incidence bank identification, wherein the target enterprise is provided with an enterprise credit investigation account, the enterprise credit investigation account is provided with a resource quantity, the resource quantity is used for representing evaluation information of target enterprise credit investigation, and the resource is used for representing target enterprise credit investigation;

and the resource quantity updating module is used for updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract through the incidence relation, and the intelligent contract is used for defining the conditions of triggering the intelligent contract by resources and transaction requests.

A computer device comprising a memory storing a computer program and a processor implementing the method steps in the above embodiments when executing the computer program.

A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method steps of the above-mentioned embodiments.

According to the processing method and device for the enterprise credit investigation data, the computer equipment and the storage medium, the transaction request sent by the target enterprise client is obtained, and the transaction request carries the target enterprise identification, the associated bank identification and the transaction operation information; and establishing an association relation between the target enterprise and an associated bank according to the target enterprise identifier and the associated bank identifier, and updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract through the association relation, so that the problem of information asynchronization between the bank and the enterprise is effectively solved, and the data security sharing between different banks can be ensured.

Drawings

FIG. 1 is a diagram of an exemplary environment in which a method for processing enterprise credit investigation data may be implemented;

FIG. 2 is a flowchart illustrating a method for processing enterprise credit investigation data in one embodiment;

FIG. 3 is a flowchart illustrating a method for processing enterprise credit investigation data in one embodiment;

FIG. 4 is a flowchart illustrating a method for processing enterprise credit investigation data in another embodiment;

FIG. 5 is a flowchart illustrating a method for processing enterprise credit investigation data in another embodiment;

FIG. 6a is a diagram that illustrates the number of resources that nodes in a federation chain collectively maintain a target enterprise, under an embodiment;

FIG. 6b is a diagram that illustrates the number of resources that nodes in a federation chain collectively maintain a target enterprise, under an embodiment;

FIG. 7 is a flowchart illustrating a method for processing enterprise credit investigation data in another embodiment;

FIG. 8 is a flowchart illustrating a method for processing enterprise credit investigation data in another embodiment;

FIG. 9 is a block diagram of an apparatus for processing enterprise credit investigation data in one embodiment;

FIG. 10 is a diagram showing an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The method for processing the enterprise credit investigation data can be applied to the application environment shown in fig. 1. Wherein theterminal 102 communicates with theserver 104 via a network. A target enterprise client is deployed on theterminal 102, and the target enterprise is an enterprise participating in the blockchain. The target enterprise client sends a transaction request to theserver 104, and theserver 104 acquires the transaction request sent by the target enterprise client, wherein the transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information; establishing an association relation between a target enterprise and an associated bank according to a target enterprise identifier and an associated bank identifier, wherein the target enterprise is provided with an enterprise credit investigation account, the enterprise credit investigation account is provided with a resource quantity, the resource quantity is used for representing evaluation information of target enterprise credit investigation, and the resource is used for representing target enterprise credit investigation; and updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract, wherein the intelligent contract is used for defining the conditions of triggering the intelligent contract by the resources and the transaction request.

The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and theserver 104 may be implemented by an independent server or a server cluster formed by a plurality of servers.

In an embodiment, as shown in fig. 2, a method for processing enterprise credit investigation data is provided, which is described by taking the method as an example applied to the server in fig. 1, and includes the following steps:

and S210, acquiring a transaction request sent by the target enterprise client.

The transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information. The target enterprise is the enterprise that initiated the transaction request. The transaction request may be a request instruction issued by the enterprise to the server during a loan or loan transaction. The target business identification is an identification number that uniquely identifies the target business. The associated bank is a bank having an association relationship with the target enterprise, for example, the target enterprise initiates a loan or loan returning activity to a bank, and establishes an association relationship between the target enterprise and the bank, and the bank is the associated bank of the target enterprise, and the bank identifier is an identification number for uniquely identifying the bank. The transaction operation information is transaction details related to the loan activity or the loan repayment activity. Specifically, a transaction operation is initiated at a target enterprise client, the target enterprise client sends a transaction request to a node of an associated bank, and the node of the associated bank obtains the transaction request sent by the target enterprise client.

S220, establishing the association relationship between the target enterprise and the associated bank according to the target enterprise identifier and the associated bank identifier.

The target enterprise is provided with an enterprise credit investigation account, the enterprise credit investigation account is provided with a resource quantity, the resource quantity is used for representing evaluation information of target enterprise credit investigation, and the resource is used for representing target enterprise credit investigation. The resource may be a token, a negotiable encrypted digital rights certificate on the blockchain. Specifically, the target enterprise client sends a transaction request to a node of an associated bank, the transaction request carries a target enterprise identifier and an associated bank identifier, and then an association relationship between the target enterprise and the associated bank is established according to the target enterprise identifier and the associated bank identifier, so that the node of the associated bank can control an enterprise credit investigation account of the target enterprise, and the resource quantity in the enterprise credit investigation account of the target enterprise is updated according to the received transaction request.

And S230, updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract through the incidence relation.

Wherein the intelligent contract is used for defining the resource and the condition that the transaction request triggers the intelligent contract. An intelligent contract is a digital agreement that algorithmically and programmatically compiles contract terms, deploys on a blockchain, and can be automatically executed according to rules. The block chain technology realizes decentralized storage of data, and intelligent synthesis realizes decentralized calculation on the basis of the decentralized storage. Each large bank can construct an intelligent contract in advance based on business requirements, the intelligent contract defines different trigger conditions in advance, such as performance, default and the like, and the intelligent contract is digitally signed by coalition members and then issued to the block chain. Specifically, the target enterprise client sends a transaction request to a node of the associated bank, and the transaction request carries transaction operation information. And the node of the associated bank verifies the transaction operation information, broadcasts the transaction operation information to the backup node of the block chain after the verification is correct, verifies the received message by the backup node, executes the request operation in the transaction operation information according to the intelligent contract and the transaction operation information if the verification is correct, and updates the resource quantity in the enterprise credit investigation account by the node of the associated bank through the association relation.

In the method for processing the enterprise credit investigation data, a transaction request sent by a target enterprise client is obtained, and the transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information; the method comprises the steps of establishing an incidence relation between a target enterprise and an incidence bank according to a target enterprise identifier and an incidence bank identifier, updating the resource quantity in an enterprise credit investigation account according to transaction operation information and an intelligent contract through the incidence relation, effectively solving the problem of information asynchronism between bank enterprises, ensuring data safety sharing between different banks, realizing efficient management of credit investigation data of small and medium enterprises in the banks, greatly improving the efficiency of acquiring the credit investigation data of the enterprises by the banks, and providing great convenience for information sharing between the banks and the small and medium enterprises.

In one embodiment, as shown in fig. 3, establishing an association relationship between a target enterprise and an associated bank in a federation chain according to a target enterprise identifier and an associated bank identifier includes:

s310, according to the target enterprise identification and the associated bank identification, establishing an association relation between the target enterprise and the associated bank in the alliance chain, and initializing an enterprise credit investigation account of the target enterprise, wherein the enterprise credit investigation account has an initial resource quantity.

In this embodiment, a federation chain between banks is constructed based on a Hyperhedger Fabric platform, and an intelligent contract is deployed on the federation chain. The bank and the target enterprise participating in the alliance chain register in the Fabric-ca server, the Fabric-ca server endows different rights to the bank and the target enterprise according to the roles of the bank and the target enterprise in the whole system, issues a digital certificate for participating users, generates necessary public information at the same time, and binds the Fabric-ca digital certificate to the local alliance chain. The federation chain may issue resources to the federation members, which may be tokens (tokens), which are proprietary properties of the federation members and may be used for transactions, transfers, and conversions to french coins, among other things, in subsequent processes. Resources are generated at the server (server deploying the federation chain). If the enterprise client or the bank client requests authentication from the server by using the user name/password, and the authentication of the server is successful, the server returns a preset amount of resources to the enterprise client or the bank client, and the enterprise client or the bank client can take the resources to prove the legal status of the client at each request. Specifically, a target enterprise client sends a transaction request to a node of an associated bank, the transaction request carries a target enterprise identifier and an associated bank identifier, an association relationship between a target enterprise and the associated bank is established in a federation chain according to the target enterprise identifier and the associated bank identifier, an enterprise credit investigation account of the target enterprise is initialized, and the enterprise credit investigation account has an initial resource amount. The enterprise credit investigation account of the target enterprise is activated by initializing the enterprise credit investigation account of the target enterprise, so that the node of the associated bank can control the enterprise credit investigation account of the target enterprise, and the original resource quantity in the enterprise credit investigation account of the target enterprise is updated according to the received transaction request.

Updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract, wherein the updating comprises the following steps:

and S320, updating the initial resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

The intelligent contract may define a performance operation and a default operation, and the performance operation may be a series of data credit investigation, loan activities and loan repayment activities that a target enterprise can complete at a certain bank. Without the occurrence of a personal breach. The default operation can be the behavior of the target enterprise in the data credit investigation, loan activities and loan repayment activities of a certain bank, such as the behavior of privately tampering contracts and privately destroying.

Specifically, the target enterprise client sends a transaction request to a node of the associated bank, and the transaction request carries transaction operation information. The node of the associated bank verifies the transaction operation information, after the verification is correct, the node broadcasts the transaction operation information to the backup node of the block chain, the backup node verifies the received message, if the verification is correct, the request operation in the transaction operation information is executed according to the intelligent contract and the transaction operation information, and through the association relationship, the node of the associated bank updates the original resource quantity in the credit investigation account of the enterprise, so that the credit investigation data of the target enterprise is maintained according to the transaction operation behavior of the target enterprise, and the operation efficiency of information communication between the bank and the enterprise is ensured.

In one embodiment, updating the resource amount in the enterprise credit investigation account according to the transaction operation information and the intelligent contract comprises: and if the target enterprise client sends a transaction request to the nodes of other banks, updating the resource quantity in the enterprise credit investigation account by the nodes of other banks according to the transaction operation information and the intelligent contract.

Wherein the other bank is any other bank except the associated bank in the alliance chain. Specifically, when the target enterprise transacts with the associated bank, the target enterprise may transact with other banks. If the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks receive the transaction request, and the nodes of other banks can operate the resource quantity in the enterprise credit investigation account of the target enterprise. And if the transaction request carries transaction operation information, carrying out resource quantity in the enterprise credit investigation account by the nodes of other banks according to the transaction operation information and the intelligent contract. For example, if the target enterprise initiates a performing operation, a certain amount of resources are added to the enterprise credit investigation account of the target enterprise. And if the target enterprise initiates default operation, reducing a certain amount of resources in the enterprise credit investigation account of the target enterprise. It should be noted that the amount of resources increased or decreased may be determined by combining the amount of money involved in the performance or default operation of the target enterprise and the resulting impact.

In this embodiment, if the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource amount in the enterprise credit investigation account according to the transaction operation information and the intelligent contract. The method and the system realize that the nodes of other banks in the alliance chain assist the nodes of the associated bank to maintain the credit investigation data of the target enterprise together, and share the credit investigation data of the target enterprise in a mutual consensus and non-tampering manner.

In one embodiment, the intelligent contract defines a performance operation of the target enterprise, and the transaction operation information is performance operation information. As shown in fig. 5, acquiring the transaction request sent by the target enterprise client includes:

and S410, acquiring a fulfillment operation request sent by the target enterprise client by the nodes of other banks.

If the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract, and the method comprises the following steps:

and S420, if the target enterprise client sends a fulfillment operation request to the nodes of other banks, the nodes of other banks increase the corresponding resource quantity on the basis of the original resource quantity in the enterprise credit investigation account according to the fulfillment operation information and the intelligent contract.

The performance operation may be that the target enterprise can complete a series of data credit investigation, loan activities and loan repayment activities in a certain bank without the behavior of personal damage. Specifically, the target enterprise initiates a fulfillment operation at another bank, the target enterprise client sends a fulfillment operation request to a node of the other bank, and the target enterprise client receives the fulfillment operation request sent by the target enterprise client. The fulfillment operation indicates that the target enterprise can complete the loan or loan repayment activities at other banks without the occurrence of a personal damage behavior, and the credit data of the target enterprise can be given as positive feedback. Nodes of other banks may operate on the amount of resources in the enterprise credit account of the target enterprise. Because the fulfillment operation request carries fulfillment operation information, according to the fulfillment operation information and the intelligent contract, nodes of other banks increase the corresponding resource quantity on the basis of the original resource quantity in the enterprise credit investigation account of the target enterprise. It will be appreciated that the increased amount of resources is related to the amount, impact, etc. involved in the performance of the target enterprise.

Further, according to the performance operation information, generating a first pre-preparation message, and broadcasting the first pre-preparation message on the alliance chain; the first pre-preparation information is used for indicating each backup node on the alliance chain to generate a first preparation message according to the first pre-preparation information and broadcasting the first preparation message on the alliance chain; the first preparation information is used for indicating other backup nodes and the main node on the alliance chain to generate a first submission message according to the first preparation information, and broadcasting the first submission message on the alliance chain; and according to the first submission information and the intelligent contract, on the basis of the original resource quantity in the enterprise credit investigation account, the nodes corresponding to the first other banks increase the corresponding resource quantity for the enterprise credit investigation account.

In this embodiment, if the target enterprise client sends a fulfillment operation request to the nodes of other banks, the nodes of other banks increase the corresponding resource quantity on the basis of the original resource quantity in the enterprise credit investigation account according to the fulfillment operation information and the intelligent contract. The method and the device realize that the nodes of other banks in the alliance chain commonly assist the nodes of the associated bank to increase the number of the resources of the target enterprise, and share the number of the resources of the target enterprise in a mutual consensus and non-tampering manner.

In one embodiment, the intelligent contract defines default operation of the target enterprise, and the transaction operation information is default operation information; as shown in fig. 5, acquiring the transaction request sent by the target enterprise client includes:

s510, the nodes of other banks acquire default operation requests sent by the target enterprise client;

if the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource quantity in the enterprise credit investigation account according to default operation information and the intelligent contract, and the method comprises the following steps:

s520, if the target enterprise client sends a default operation request to the nodes of other banks, the nodes of other banks reduce the corresponding resource quantity on the basis of the original resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

The default operation can be the behavior of the target enterprise in data credit investigation, loan activities and loan repayment activities of a certain bank, such as private contract tampering and private damage. Specifically, the target enterprise initiates default operation at other banks, the target enterprise client sends default operation requests to nodes of other banks, and the target enterprise client receives the default operation requests sent by the target enterprise client. The default operation shows that the target enterprise can complete loan activities or loan repayment activities at other banks, and the behavior of privately tampering contracts and privately destroying the target enterprise is generated, so that credit data of the target enterprise can be given to negative feedback. Nodes of other banks may operate on the amount of resources in the enterprise credit account of the target enterprise. Because the default operation request carries default operation information, according to the default operation information and the intelligent contract, the nodes of other banks reduce the corresponding resource quantity on the basis of the original resource quantity in the enterprise credit investigation account of the target enterprise. It will be appreciated that the amount of resources that are reduced is related to the amount, impact, etc. involved in the performance of the target enterprise.

Further, according to the default operation information, generating a second pre-preparation message, and broadcasting the second pre-preparation message on the alliance chain; the second pre-preparation information is used for indicating each backup node on the alliance chain to generate a second preparation message according to the second pre-preparation information and broadcasting the second preparation message on the alliance chain; the second preparation information is used for indicating other backup nodes and the main node on the alliance chain to generate a second submission message according to the second preparation information, and broadcasting the second submission message on the alliance chain; and reducing the corresponding resource quantity for the enterprise credit investigation account by the nodes corresponding to the second other banks on the basis of the original resource quantity in the enterprise credit investigation account according to the second submission information and the intelligent contract.

In this embodiment, if the target enterprise client sends a default operation request to the nodes of other banks, the nodes of other banks reduce the corresponding resource amount on the basis of the original resource amount in the enterprise credit investigation account according to the transaction operation information and the intelligent contract. The resource quantity of the target enterprise is reduced by the aid of the nodes of other banks in the alliance chain, the nodes of the associated banks assist the nodes of the associated banks together, and the resource quantity of the target enterprise is shared in a mutual consensus and non-tampering mode.

In one embodiment, the updating of the resource amount in the enterprise credit investigation account by the node of the other bank according to the transaction operation information and the intelligent contract comprises the following steps:

s610, if the target enterprise client sends the default operation request to the nodes of other banks, the nodes of the associated banks transfer the resources with the corresponding quantity to the nodes of the other banks, and the nodes of the other banks reduce the transferred resources with the corresponding quantity.

S620, if the target enterprise client sends a performing operation request to the nodes of other banks, resources with corresponding quantity are added in the nodes of other banks, and the nodes of other banks transfer the added resources with corresponding quantity to the nodes of the associated banks.

When the existence of the target enterprise in the alliance chain and the quantity of the resources in the enterprise credit investigation account of the target enterprise are agreed by all banks on the alliance chain, the information of the target enterprise is shared. In this example, a PBFT consensus mechanism can be used, with PBFT meaning a practical byzantine fault-tolerant algorithm, which was proposed by casterol and liskoff in 1999. The problem that the original Byzantine fault-tolerant algorithm is low in efficiency is solved, and exponential level of algorithm complexity is reduced to polynomial level, so that the Byzantine fault-tolerant algorithm becomes feasible in practical system application. The use of the byzantine fault tolerance algorithm is primarily applied to digital currency in the central row as well as to federation chains. PBFT is a state machine copy replication algorithm, i.e. the service is modeled as a state machine. And copying the state and the copies at different nodes of the distributed system. The copies of each state machine preserve the state of the service and also enable the operation of the service.

Specifically, the resource is exemplified by a Token (Token), and as shown in fig. 6a, when the target enterprise triggers a default operation at another bank, the associated bank transfers the corresponding Token quantity (z1) to the other bank that triggered the default operation, and deducts the Token quantity (the Token quantity is z1) at the other bank that triggered the default operation, and the new Token quantity of the target enterprise is agreed upon by all banks in the federation chain. As shown in fig. 6b, if the target enterprise triggers a performance operation at another bank, the corresponding token amount is added to the other bank (z2) triggering the performance operation, and the other bank transfers the token (token with the amount of z2) to the associated bank, so that the new token amount of the target enterprise is agreed with all banks in the alliance chain.

In this embodiment, the node of each other bank in the federation chain assists the node of the associated bank to increase or decrease the resource quantity of the target enterprise, and the resource quantity of the target enterprise is shared in a mutually agreed and non-falsification manner. The information sharing among banks is realized through a block chain technology, the problem of serious information asynchronism among bank enterprises is solved, and the problems of reverse selection, moral risk, non-verifiability and even fraud in financing of medium and small-sized enterprises are solved.

In one embodiment, as shown in fig. 7, updating the initial resource amount in the enterprise credit account according to the transaction operation information and the intelligent contract comprises:

and S710, generating a pre-preparation message according to the transaction operation information, and broadcasting the pre-preparation message on the alliance chain.

And S720, broadcasting the submission message on the alliance chain.

And S730, increasing or reducing the initial resource quantity in the enterprise credit investigation account according to the submission information and the intelligent contract.

The pre-preparation information is used for indicating each backup node on the alliance chain to generate a preparation message according to the pre-preparation information, and broadcasting the preparation message on the alliance chain; the provisioning information is used to instruct each of the other backup nodes and the master node in the federation chain to generate a commit message based on the provisioning information.

Specifically, in this embodiment, a PBFT consensus mechanism is adopted to sequence the submitted transaction requests (i.e., the transaction request numbers), and after the sequencing is completed, the transaction requests are packaged into a block (i.e., a fulfillment operation request or a default operation request is issued to a federation chain), specifically, the consensus process is as follows:

the method comprises the following steps: and (3) calculating and selecting the main node by a formula p-vmod | R | (v performs modulo operation on R), wherein p is the number of the main node, v is the view number of the main node, and | R | is the number of all nodes in the system. The client side of the target enterprise sends a transaction request (issuing a fulfillment operation request or issuing a default operation request) to the main node, and after the main node receives the transaction request and verifies the transaction request correctly, the main node saves the transaction request, and broadcasts the transaction request as a pre-prepared message to each backup node. Wherein,

the method comprises the steps of packaging transaction operation information in a transaction request and then generating a PRE-preparation message, distributing a sequence number n to the received transaction request by a main node in a PRE-preparation stage, and then broadcasting the PRE-preparation message to each backup node on a alliance chain, wherein the format of the PRE-preparation message can be < < PRE-PREPARE, v, n, d > and m >, wherein n is the sequence number of the transaction request, v is the view number of the main node, m is a request message sent by a client, and d is the abstract of the request message m.

Step two: each backup node receives the prearranged message < < PRE-PREPARE, v, n, d >, m >, verifies the prearranged message, if the verification is correct, each backup node stores the prearranged message, generates a prepared message according to the prearranged message and broadcasts the prepared message to the main node and other backup nodes. Wherein, each backup node will accept the PRE-preparation message < < PRE-PREPARE, v, n, d >, m > only if the following conditions are satisfied:

1) the signatures of the request and pre-prepared messages are correct and d coincides with the digest of m.

2) The current view number is v.

3) The backup node never accepts a message m with sequence number n but with a different digest d in view v.

4) The sequence number n of the pre-preparation message must be between the upper and lower bounds of the pipeline.

Step three: and after the main node and other backup nodes receive the preparation message and verify the preparation message correctly, the preparation message is stored, and a submission message is generated to the client, the main node and other backup nodes of the target enterprise according to the preparation message.

Step four: after receiving the preset number of submission messages and checking the submission messages correctly, each backup node executes a transaction request from a target enterprise client (increasing or decreasing the initial resource number in an enterprise credit investigation account), and the condition that each backup node receives and confirms the messages is as follows:

1) the signature is correct;

2) the view number in the message is consistent with the current view number of the node;

3) the serial number n of the message meets the waterline condition and is between the upper limit and the lower limit of the waterline.

It should be noted that the preset number may be (2f +1)/3, where f is the number of the highest tolerable error nodes (byzantine nodes), and the PBFT algorithm requires that the error nodes do not exceed 1/3.

Step five: and after the target enterprise client receives a preset number of submitted messages and verifies the messages to be correct and accepts the messages, the target enterprise client considers that the messages are acknowledged and executed by each node on the sequencing alliance chain.

In one embodiment, as shown in fig. 8, a method for processing enterprise credit investigation data is provided, the method comprising the following steps:

and S810, acquiring a transaction request sent by the target enterprise client.

The transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information.

S820, according to the target enterprise identification and the associated bank identification, the association relation between the target enterprise and the associated bank is established in the alliance chain, and the enterprise credit investigation account of the target enterprise is initialized.

Wherein the enterprise credit investigation account has an initial resource amount. The resource quantity is used for representing evaluation information of the target enterprise credit investigation, and the resource is used for representing the target enterprise credit investigation.

And S830, generating a pre-preparation message according to the transaction operation information, and broadcasting the pre-preparation message on the alliance chain by associating with the nodes of the bank.

The pre-preparation information is used for indicating each backup node on the alliance chain to generate a preparation message according to the pre-preparation information, and broadcasting the preparation message on the alliance chain; the provisioning information is used to instruct each of the other backup nodes and the master node in the federation chain to generate a commit message based on the provisioning information.

And S840, the backup node broadcasts a submission message on the alliance chain.

And S850, updating the initial resource quantity in the credit investigation account of the enterprise by the node of the associated bank according to the submitted information and the intelligent contract.

Further, if the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

If the target enterprise client sends a performing operation request to the nodes of other banks, resources with corresponding quantity are added in the nodes of other banks, and the nodes of other banks transfer the resources with corresponding quantity to the nodes of the associated banks.

If the target enterprise client sends the default operation request to the nodes of other banks, the nodes of the associated banks transfer the resources with the corresponding quantity to the nodes of the other banks, and the nodes of the other banks reduce the transferred resources with the corresponding quantity.

It should be understood that, although the steps in the above-described flowcharts are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the above-mentioned flowcharts may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or the stages is not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a part of the steps or the stages in other steps.

In one embodiment, as shown in fig. 9, a device 900 for processing enterprise credit investigation data is provided, which includes a transactionrequest obtaining module 910, an associationrelationship establishing module 920, and a resourceamount updating module 930, wherein:

a transactionrequest obtaining module 910, configured to obtain a transaction request sent by a target enterprise client, where the transaction request carries a target enterprise identifier, an associated bank identifier, and transaction operation information;

an associationrelationship establishing module 920, configured to establish an association relationship between a target enterprise and an association bank according to the target enterprise identifier and the association bank identifier, where the target enterprise has an enterprise credit investigation account, the enterprise credit investigation account has a resource quantity, the resource quantity is used to represent evaluation information of target enterprise credit investigation, and the resource is used to represent target enterprise credit investigation;

a resourcequantity updating module 930, configured to update, according to the transaction operation information and the intelligent contract, the resource quantity in the enterprise credit investigation account through the association relationship, where the intelligent contract is used to define a condition that a resource and a transaction request trigger the intelligent contract.

In one embodiment, the associationrelationship establishing module 920 is further configured to establish an association relationship between a target enterprise and an association bank in a federation chain according to the target enterprise identifier and the association bank identifier, and initialize an enterprise credit investigation account of the target enterprise, where the enterprise credit investigation account has an initial resource amount;

the resourcequantity updating module 930 is further configured to update the initial resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

In one embodiment, the resourceamount updating module 930 is further configured to, if the target enterprise client sends a transaction request to a node of another bank, update the resource amount in the enterprise credit investigation account by the node of the other bank according to the transaction operation information and the intelligent contract.

In one embodiment, the intelligent contract defines a performance operation of the target enterprise, and the transaction operation information is performance operation information; the transactionrequest obtaining module 910 is further configured to obtain, by a node of another bank, a fulfillment operation request sent by the target enterprise client;

the resourcequantity updating module 930 is further configured to, if the target enterprise client sends a performing operation request to a node of another bank, increase, according to the performing operation information and the intelligent contract, the corresponding resource quantity by the node of the other bank on the basis of the original resource quantity in the enterprise credit investigation account.

In one embodiment, the intelligent contract defines default operation of the target enterprise, and the transaction operation information is default operation information; the transactionrequest obtaining module 910 is further configured to obtain, by a node of another bank, a default operation request sent by the target enterprise client;

the resourcequantity updating module 930 is further configured to, if the target enterprise client sends a default operation request to a node of another bank, reduce, according to the transaction operation information and the intelligent contract, the corresponding resource quantity by the node of the other bank on the basis of the original resource quantity in the enterprise credit investigation account.

In one embodiment, the resourceamount updating module 930 is further configured to, if the target enterprise client sends a performing operation request to a node of another bank, add a corresponding amount of resources in the node of the other bank, and the node of the other bank transfers the added corresponding amount of resources to the node of the associated bank; and if the target enterprise client sends the default operation request to the nodes of other banks, the nodes of the associated banks transfer the resources with the corresponding quantity to the nodes of the other banks, and the nodes of the other banks reduce the transferred resources with the corresponding quantity.

In one embodiment, the resourceamount updating module 930 is further configured to generate a pre-preparation message according to the transaction operation information, and broadcast the pre-preparation message on the federation chain; the pre-preparation information is used for indicating each backup node on the alliance chain to generate a preparation message according to the pre-preparation information and broadcasting the preparation message on the alliance chain; the preparation information is used for indicating other backup nodes and the main node on the alliance chain to generate a submission message according to the preparation information and broadcasting the submission message on the alliance chain; and increasing or decreasing the initial resource quantity in the enterprise credit investigation account according to the submission information and the intelligent contract.

For specific limitations of the processing device for enterprise credit investigation data, reference may be made to the above limitations on the processing method for enterprise credit investigation data, which are not described herein again. All or part of each module in the processing device for enterprise credit investigation data can be realized by software, hardware and combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 10. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by a processor to realize a processing method of enterprise credit investigation data. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

Those skilled in the art will appreciate that the architecture shown in fig. 10 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, which includes a memory and a processor, where the memory stores a computer program, and the processor implements the steps of the method for processing enterprise credit data in the above embodiments when executing the computer program.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, and the computer program, when executed by a processor, implements the steps of the method for processing enterprise credit investigation data in the above-described embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims (10)

1. A method for processing enterprise credit investigation data is characterized by comprising the following steps:

acquiring a transaction request sent by a target enterprise client, wherein the transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information;

establishing an association relation between a target enterprise and an associated bank according to the target enterprise identifier and the associated bank identifier, wherein the target enterprise is provided with an enterprise credit investigation account, the enterprise credit investigation account is provided with a resource quantity, the resource quantity is used for representing evaluation information of target enterprise credit investigation, and the resource is used for representing target enterprise credit investigation;

and updating the quantity of the resources in the enterprise credit investigation account according to the transaction operation information and the intelligent contract through the incidence relation, wherein the intelligent contract is used for defining the conditions of triggering the intelligent contract by the resources and the transaction request.

2. The method of claim 1, wherein the establishing an association relationship between the target enterprise and the associated bank in a federation chain according to the target enterprise identifier and the associated bank identifier comprises:

establishing an incidence relation between a target enterprise and an associated bank in a alliance chain according to the target enterprise identification and the associated bank identification, and initializing an enterprise credit investigation account of the target enterprise, wherein the enterprise credit investigation account has an initial resource quantity;

the updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract comprises the following steps:

and updating the initial resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

3. The method of claim 2, wherein updating the amount of resources in the enterprise credit account based on the transaction operation information and the smart contract comprises:

and if the target enterprise client sends a transaction request to the nodes of other banks, updating the resource quantity in the enterprise credit investigation account by the nodes of other banks according to the transaction operation information and the intelligent contract.

4. The method of claim 3, wherein the smart contract defines a performance operation of the target enterprise, and wherein the transaction operation information is performance operation information; the acquiring of the transaction request sent by the target enterprise client comprises:

the nodes of other banks acquire the fulfillment operation request sent by the target enterprise client;

if the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract, and the method comprises the following steps:

and if the target enterprise client sends a fulfillment operation request to the nodes of other banks, the nodes of the other banks increase the corresponding resource quantity on the basis of the original resource quantity in the enterprise credit investigation account according to the fulfillment operation information and the intelligent contract.

5. The method of claim 3, wherein the smart contract defines a breach operation of the target enterprise, and wherein the transaction operation information is breach operation information; the acquiring of the transaction request sent by the target enterprise client comprises:

the nodes of other banks acquire default operation requests sent by the target enterprise client;

if the target enterprise client sends a transaction request to the nodes of other banks, the nodes of other banks update the resource quantity in the enterprise credit investigation account according to the default operation information and the intelligent contract, and the method comprises the following steps:

and if the target enterprise client sends default operation requests to the nodes of other banks, reducing the corresponding resource quantity by the nodes of the other banks on the basis of the original resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract.

6. The method of claim 3, wherein the updating of the amount of resources in the enterprise credit investigation account by the node of the other bank according to the transaction operation information and the smart contract comprises:

if the target enterprise client sends a performing operation request to the nodes of other banks, adding corresponding amount of resources in the nodes of other banks, and transferring the added corresponding amount of resources to the nodes of the associated banks by the nodes of other banks;

and if the target enterprise client sends the default operation request to the nodes of other banks, the nodes of the associated banks transfer the resources with the corresponding quantity to the nodes of the other banks, and the nodes of the other banks reduce the transferred resources with the corresponding quantity.

7. The method of claim 2, wherein updating the initial resource amount in the enterprise credit account based on the transaction operation information and the smart contract comprises:

generating a pre-preparation message according to the transaction operation information, and broadcasting the pre-preparation message on the alliance chain; the pre-preparation information is used for indicating each backup node on the alliance chain to generate a preparation message according to the pre-preparation information and broadcasting the preparation message on the alliance chain; the preparation information is used for indicating other backup nodes and the main node on the alliance chain to generate a submission message according to the preparation information and broadcasting the submission message on the alliance chain;

and increasing or decreasing the initial resource quantity in the enterprise credit investigation account according to the submission information and the intelligent contract.

8. An apparatus for processing enterprise credit investigation data, the apparatus comprising:

the system comprises a transaction request acquisition module, a transaction processing module and a transaction processing module, wherein the transaction request acquisition module is used for acquiring a transaction request sent by a target enterprise client, and the transaction request carries a target enterprise identifier, an associated bank identifier and transaction operation information;

the incidence relation establishing module is used for establishing the incidence relation between a target enterprise and an incidence bank according to the target enterprise identification and the incidence bank identification, wherein the target enterprise is provided with an enterprise credit investigation account, the enterprise credit investigation account is provided with a resource quantity, the resource quantity is used for representing evaluation information of target enterprise credit investigation, and the resource is used for representing target enterprise credit investigation;

and the resource quantity updating module is used for updating the resource quantity in the enterprise credit investigation account according to the transaction operation information and the intelligent contract through the incidence relation, and the intelligent contract is used for defining the conditions of triggering the intelligent contract by resources and transaction requests.

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.

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