Disclosure of Invention
The application mainly aims to provide a tolerance fault-tolerant method, device, system and storage medium based on a blockchain intelligent financial platform, which aim to solve the technical problem of unbalanced benefit exchange of both transaction parties caused by change of a transaction market.
In order to achieve the above-mentioned object, the present application provides a tolerance fault-tolerant method based on a blockchain intelligent financial platform, the tolerance fault-tolerant method based on the blockchain intelligent financial platform includes the following steps:
When a transaction request is received, determining a tolerance fault tolerance model corresponding to the transaction request based on a tolerance fault tolerance algorithm warehouse, wherein the tolerance fault tolerance algorithm warehouse comprises a tolerance fault tolerance model set, a search engine set and a rule algorithm warehouse;
Determining a risk assessment result of the transaction request based on the tolerance fault tolerance model and the search engine set;
selecting a rule set corresponding to the risk assessment result from the rule algorithm warehouse based on the rule algorithm warehouse;
based on the rule set, generating the intelligent contract corresponding to the transaction request in an algorithm fusion mode through a blockchain.
Optionally, the transaction request includes a cross-border lending request, and when the transaction request is received, determining a tolerance fault tolerance model corresponding to the transaction request based on a tolerance fault tolerance algorithm warehouse, where the tolerance fault tolerance algorithm warehouse includes a tolerance fault tolerance model set, a search engine set, and a rule algorithm warehouse, and the method includes the steps of:
When a cross-border loan request is received, determining a cross-border loan model corresponding to the cross-border loan request, and determining cross-border loan elements based on the cross-border loan model, wherein the cross-border loan elements comprise transaction currencies, loan amounts, loan times and loan interest rates;
the step of determining a risk assessment result for the transaction request based on the tolerance fault tolerance model and the set of search engines comprises:
Determining, based on the set of search engines and the transaction currencies, a risk of exchange rate fluctuation between the transaction currencies during the lending time;
And determining a risk assessment result of the cross-border loan request based on the loan amount and the exchange rate fluctuation risk.
Optionally, the transaction request includes a cross-border transaction request, and when the transaction request is received, determining a tolerance fault tolerance model corresponding to the transaction request based on a tolerance fault tolerance algorithm warehouse, where the tolerance fault tolerance algorithm warehouse includes a tolerance fault tolerance model set, a search engine set, and a rule algorithm warehouse, and the method includes the steps of:
When the cross-border transaction request is received, determining a cross-border transaction model corresponding to the cross-border transaction request, and determining a cross-border transaction element based on the cross-border transaction model, wherein the cross-border transaction element comprises transaction currency, transaction amount, seller ticket time and buyer ticket time;
the step of determining a risk assessment result for the transaction request based on the tolerance fault tolerance model and the set of search engines comprises:
determining, based on the set of search engines and the transaction currency, a risk of exchange rate fluctuation between the transaction currency during the seller billing time and the buyer billing time;
And determining a risk assessment result of the cross-border transaction request based on the transaction amount and the exchange rate fluctuation risk.
Optionally, the risk assessment result includes a fluctuating amount, and the step of selecting a rule set corresponding to the risk assessment result from the rule algorithm warehouse based on the rule algorithm warehouse includes:
selecting a rule set based on the rule algorithm warehouse and the fluctuation amount, wherein the rule set comprises a contracted exchange rate, a fluctuation interval of the contracted exchange rate and a contracted time of the contracted exchange rate;
the step of generating the intelligent contract corresponding to the transaction request in an algorithm fusion mode through a blockchain based on the rule set comprises the following steps:
and generating the intelligent contract corresponding to the transaction request in an algorithm fusion mode through a blockchain based on the transaction element, the appointed exchange rate, the fluctuation interval of the appointed exchange rate and the appointed time of the appointed exchange rate.
Optionally, the tolerance fault tolerance method based on the blockchain intelligent financial platform is applied to a third party platform, the third party platform includes a bank, and the step of generating, by a blockchain, the intelligent contract corresponding to the transaction request in an algorithm fusion manner based on the transaction element, the contracted exchange rate, the fluctuation interval of the contracted exchange rate, and the contracted time of the contracted exchange rate includes:
Determining a risk control model and contract elements corresponding to the third party platform based on the intelligent contract, wherein the contract elements comprise identity information of a contract party, contract currency, transaction amount, contract exchange rate, fluctuation interval of the contract exchange rate and contract time of the contract exchange rate;
acquiring historical transaction data of a contractor, credit history data of the contractor and an exchange rate fluctuation model of the contractor currency based on the risk control model, the identity information of the contractor and the contractor currency;
Determining a contract risk of the intelligent contract based on historical transaction data of the contractor, credit history data of the contractor, a fluctuation model of exchange rate between countries where the contractor is located, the transaction amount, the contracted exchange rate, a fluctuation interval of the contracted exchange rate and a contracted time of the contracted exchange rate;
Based on the contract risk, it is determined whether to confirm that the smart contract is in effect.
Optionally, the tolerance fault tolerance algorithm repository further includes a distributed ledger set, and the step of determining a risk assessment result of the transaction request based on the tolerance fault tolerance model and the search engine set includes, before:
And if the cross-border transaction request is a multi-terminal transaction, determining transaction data of all transaction parties based on the distributed account book set, wherein the multi-terminal transaction is that the number of the transaction parties is greater than two, and the transaction data are used for determining the risk assessment result.
Optionally, the step of selecting a rule set corresponding to the risk assessment result from the rule algorithm warehouse based on the rule algorithm warehouse includes, before:
fusing rule algorithms in the rule algorithm warehouse to derive a new rule algorithm; or (b)
Searching for an unrecorded rule algorithm in the rule algorithm warehouse through the search engine set in a different algorithm library and a third party platform which are in butt joint with the intelligent financial platform, and fusing the unrecorded rule algorithm with the rule algorithm in the rule algorithm warehouse to derive a new rule algorithm so as to optimize the rule algorithm warehouse.
In addition, in order to achieve the above object, the present application further provides a tolerance fault tolerance system based on a blockchain intelligent financial platform, the system comprising: the system comprises a memory, a processor and a tolerance fault tolerance program which is stored on the memory and can run on the processor and is based on a blockchain intelligent financial platform, wherein the tolerance fault tolerance program is configured to realize the steps of the tolerance fault tolerance method based on the blockchain intelligent financial platform.
In addition, in order to achieve the above objective, the present application further provides a storage medium, on which a tolerance fault tolerance program based on a blockchain intelligent financial platform is stored, where the tolerance fault tolerance program based on the blockchain intelligent financial platform implements the steps of the tolerance fault tolerance method based on the blockchain intelligent financial platform when the tolerance fault tolerance program based on the blockchain intelligent financial platform is executed by a processor.
In order to solve the technical problem of unbalanced benefit exchange of both transaction sides caused by the change of a transaction market, the application is applied to a tolerance fault-tolerant system based on a blockchain intelligent financial platform, and the tolerance fault-tolerant system based on the blockchain intelligent financial platform is in communication connection with an artificial intelligent Internet of things platform and the blockchain intelligent financial platform so as to enable each business node of the intelligent supply chain finance. When a transaction request is received, determining a tolerance fault tolerance model corresponding to the transaction request based on a tolerance fault tolerance algorithm warehouse, wherein the tolerance fault tolerance algorithm warehouse comprises a tolerance fault tolerance model set, a search engine set and a rule algorithm warehouse; determining a risk assessment result of the transaction request based on the tolerance fault tolerance model and the search engine set; selecting a rule set corresponding to the risk assessment result from the rule algorithm warehouse based on the rule algorithm warehouse; based on the rule set, generating the intelligent contract corresponding to the transaction request in an algorithm fusion mode through a blockchain. The automatic processing and execution of the supply chain business are realized, the transparency, the safety, the rapidity and the traceability of the transaction are ensured, and the beneficial effects of reducing the risk of market fluctuation and balancing the interests of all parties of the transaction are achieved.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
In a cross-border payment service, after a seller signs, the currency on the bill is calculated at the exchange rate at the moment of the sign. However, due to unstable exchange rate fluctuations, the exchange rate at the time of payment by the buyer may vary significantly from the exchange rate at the time of the seller's receipt, resulting in unbalanced exchange of interests between the buyer and the seller.
In order to solve the above problems, the present application is based on intelligent financial platform (Blockchain AS A SERVICE, BAAS), tolerance fault tolerance algorithm warehouse and blockchain technology, and can be applied to various industries such as intelligent government affairs, intelligent finance, intelligent supply chain, intelligent logistics, intelligent education, intelligent energy, intelligent medical treatment, intelligent traffic/real estate, etc.
Among other things, blockchain technology makes transactions more transparent, secure and decentralised. The intelligent contract technology can realize the rapid automatic settlement and clearing function, and improves the efficiency. And the tolerance fault-tolerant algorithm warehouse based on the AI intelligent algorithm performs wind control management, so that risks are reduced. Intelligent financial platforms (BAAS) can provide individualized and accurate investment advice for investors based on data analysis and artificial intelligence techniques.
When a transaction request is received, determining a tolerance fault tolerance model corresponding to the transaction request based on a tolerance fault tolerance algorithm warehouse, wherein the tolerance fault tolerance algorithm warehouse comprises a tolerance fault tolerance model set, a search engine set and a rule algorithm warehouse; determining a risk assessment result of the transaction request based on the tolerance fault tolerance model and the search engine set; selecting a rule set corresponding to the risk assessment result from the rule algorithm warehouse based on the rule algorithm warehouse; based on the rule set, generating the intelligent contract corresponding to the transaction request in an algorithm fusion mode through a blockchain. Finally, the automatic processing and execution of the supply chain service are realized, the transparency, the safety, the rapidity and the traceability of the transaction are ensured, and the beneficial effects of reducing the risk of market fluctuation and balancing the interests of all parties of the transaction are achieved.
In order that the above-described aspects may be better understood, exemplary embodiments of the present application will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present application are shown in the drawings, it should be understood that the present application may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the application to those skilled in the art.
Referring to fig. 1, fig. 1 is a flowchart illustrating a first embodiment of a tolerance fault tolerance method based on a blockchain intelligent financial platform.
In this embodiment, the tolerance fault tolerance method based on the blockchain intelligent financial platform includes:
Step S10: when a transaction request is received, determining a tolerance fault tolerance model corresponding to the transaction request based on a tolerance fault tolerance algorithm warehouse, wherein the tolerance fault tolerance algorithm warehouse comprises a tolerance fault tolerance model set, a search engine set and a rule algorithm warehouse;
In this embodiment, the tolerance fault tolerance method based on the blockchain intelligent financial platform is applied to a tolerance fault tolerance system based on the blockchain intelligent financial platform, and the tolerance fault tolerance system based on the blockchain intelligent financial platform is in communication connection with the artificial intelligent internet of things platform and the blockchain intelligent financial platform. For convenience of description, the tolerance fault tolerance system based on the blockchain intelligent financial platform will be simply referred to as tolerance fault tolerance system, and will be described by taking the tolerance fault tolerance system as an example.
Optionally, the present application is based on intelligent financial platforms, tolerance fault tolerance algorithm warehouse and blockchain technology, and can be applied to various industries such as intelligent government affairs, intelligent finance, intelligent supply chain, intelligent logistics, intelligent education, intelligent energy, intelligent medical treatment, intelligent transportation/real estate, etc. In this embodiment, taking the intelligent supply chain as an example, the intelligent financial platform enables each business node of the intelligent supply chain to finance, including: a seller node, a buyer node, a logistics node, an insurance node, a third party node and the like; the seller node is formed by a transaction seller, and the seller is an enterprise or a person which exports goods to foreign countries or lends to foreign countries; the buyer node is composed of a transaction buyer, wherein the buyer is an enterprise or a person who imports goods from abroad or invests in abroad; the logistics node comprises a transportation delivery node after goods transaction is achieved; the insurance node comprises a node for providing claim settlement and guarantee for transactions and logistics; the third party node includes a platform for securing transactions of buyers and sellers, the platform including banking and payment software.
Optionally, a tolerance fault tolerance algorithm repository exists in the tolerance fault tolerance system, the tolerance fault tolerance algorithm repository including a tolerance fault tolerance model set, a search engine set, and a rule algorithm repository. When a transaction request sent by each node forwarded by the intelligent financial platform is received, a corresponding tolerance fault-tolerant model is selected from the tolerance fault-tolerant model set according to the transaction type corresponding to the transaction request. The tolerance fault-tolerant model set comprises tolerance fault-tolerant models corresponding to all transaction types, wherein the transaction types comprise cross-border borrowing, cross-border transaction, logistics contract, insurance contract, multiparty transaction and the like, the tolerance fault-tolerant models are used for extracting transaction elements of a transaction request and providing support for evaluating transaction risks of the transaction request, the transaction elements extracted by each tolerance fault-tolerant model are not identical, and risk evaluation strategies determined based on the transaction elements are also different.
Step S20: determining a risk assessment result of the transaction request based on the tolerance fault tolerance model and the search engine set;
Optionally, determining a risk point for the transaction request based on the tolerance fault tolerance model; determining a transaction element from the transaction request based on the risk point; and according to the tolerance fault-tolerant model, determining a corresponding search engine subset in the search engine set to perform risk assessment on the transaction elements, and outputting a corresponding risk assessment result.
Optionally, the transaction element of the transaction request can be determined by presetting a transaction request filling template, or by semantic recognition and keyword extraction, wherein the transaction element comprises identity information of a seller and a buyer in a transaction, transaction currency, transaction amount, transaction time, transaction type and the like, and the transaction time comprises transaction signing time, transaction delivery time, transaction duration and the like.
As one embodiment, for a seller node of a cross-border loan request, a cross-border loan model corresponding to the cross-border loan request determines that a risk point of the cross-border loan request is a change in exchange rate at the time of repayment, and transaction elements include transaction currency, loan amount, loan time, and loan interest rate. Determining, based on the subset of search engines of the cross-border lending model and the transaction currencies, a risk of exchange rate fluctuation between the transaction currencies during the lending time; and determining a risk assessment result of the cross-border loan request based on the loan amount and the exchange rate fluctuation risk, wherein the risk assessment result comprises fluctuation amount, fluctuation exchange rate and the like.
As another implementation manner, for a seller node and a seller node of a cross-border transaction request, a cross-border transaction model corresponding to the cross-border transaction request determines that risk points of the cross-border transaction request are exchange rate fluctuation and fluctuation difference values, transaction elements are transaction currency, transaction amount, seller order time and buyer order time, and exchange rate fluctuation risk between the transaction currency is determined in the transaction time based on a search engine subset of the cross-border transaction model and the transaction currency; and determining a risk assessment result of the cross-border transaction request based on the transaction amount and the exchange rate fluctuation risk, wherein the risk assessment result comprises fluctuation amount, fluctuation exchange rate and the like.
As another implementation manner, for an insurance node of an insurance transaction request, an insurance model corresponding to the insurance request determines that a risk point of the insurance request is a historical accident of an applicant, a transaction element is identity information of the applicant, a search engine set corresponding to the insurance model is called to search the identity information of the applicant, historical insurance, historical claim settlement and historical accident of the applicant are determined, and a risk assessment result is output based on the insurance model, wherein the risk assessment result comprises the probability of the claim settlement, the claim settlement amount, the profit amount and the like.
As another embodiment, for a logistics node of a logistics pricing request, risk elements associated with a logistics pricing model corresponding to the logistics pricing request include a transportation quantity, a transportation quality, a cargo valuation, a transportation loss history, a transportation cost and historical pricing, and recommended pricing corresponding to the logistics pricing request is determined based on the logistics pricing model and the corresponding risk elements.
As another embodiment, for a logistics node of a logistics line planning request, risk elements associated with a logistics line model corresponding to the logistics line planning request include a transportation receiving and sending point, a transportation history route corresponding to the transportation receiving and sending point, a history transportation efficiency rating corresponding to the transportation history route and real-time traffic information between the transportation receiving and sending points, and a recommended route corresponding to the logistics line planning request is determined based on the logistics line model and the corresponding risk elements.
As another implementation manner, for a purchasing node of a purchasing quantitative request, risk elements associated with a purchasing demand model corresponding to the purchasing quantitative request include historical purchasing data and historical shipment of a provider, and a recommended purchasing quantity corresponding to the purchasing quantitative request is determined based on the purchasing demand model and the corresponding risk elements.
As another embodiment, for a purchase node request that makes a supplier screening request for a purchase service, determining that risk elements associated with the supplier screening model include credit, cargo pricing, cargo quality, and delivery date of the supplier, determining a recommended supplier for the supplier screening request based on the supplier screening model and the corresponding risk elements.
In addition, for transaction requests of different transaction types, the detected risk points are different when risk assessment is carried out, so that the search engine subsets configured for different types of tolerance fault tolerance models are also different, and the beneficial effect of improving the search efficiency is achieved.
Step S30: selecting a rule set corresponding to the risk assessment result from the rule algorithm warehouse based on the rule algorithm warehouse;
Optionally, determining a rule algorithm type according to the transaction type; determining rule parameters according to the risk assessment result; the tolerance fault-tolerant model compares the type of the rule algorithm with the type identifier of each rule algorithm in the rule algorithm warehouse to determine a rule set according to the rule algorithm with the same type identifier as the rule algorithm type; the tolerance fault-tolerant model obtains a function parameter identifier corresponding to each rule algorithm in the rule set based on the intelligent financial platform, and calculates the similarity between the function parameter identifier corresponding to each rule algorithm and the function parameter; comparing the similarity with a preset similarity threshold value to obtain a comparison result; if the comparison result is that a rule algorithm with similarity larger than a preset similarity threshold exists in the rule set, generating a target rule according to the rule algorithm and the functional parameter; if the comparison result is that the rule algorithm with the similarity larger than the preset similarity threshold value does not exist in the rule set, searching in an algorithm knowledge base connected with the intelligent financial platform through the artificial intelligent search engine according to the functional parameters to obtain a rule algorithm with the similarity of the functional parameter identification and the functional parameters larger than the preset similarity threshold value, and generating a target rule according to the rule algorithm and the functional parameters.
Further, the risk assessment result includes a fluctuation amount, and the step S30 includes: selecting a rule set based on the rule algorithm warehouse and the fluctuation amount, wherein the rule set comprises a contracted exchange rate, a fluctuation interval of the contracted exchange rate and a contracted time of the contracted exchange rate;
Optionally, if the risk assessment result is a fluctuating amount, the rule algorithm type includes a contracted exchange rate, a fluctuating interval of the contracted exchange rate, and a contracted time of the contracted exchange rate.
Optionally, a mapping relation between an interval where the fluctuation amount is located and the rule parameters of the rule algorithm type is preset, and the corresponding rule parameters are determined according to the specific fluctuation amount.
For example, for a cross-border transaction request, the transaction currency is the base currency and the currency to be exchanged, the transaction amount is three million base currencies, the three million base currencies are equivalent to two thousand zero seventy-five hundred thousand currency to be exchanged when the seller signs, three months are between the seller sign time and the buyer sign time, the cross-border transaction model obtains the historical exchange rate between the base currencies and the currency to be exchanged based on a search engine set, and generates a base currency-currency exchange rate fluctuation model, the three million base currencies are predicted to be equivalent to two thousand one hundred sixty currency to be exchanged when the buyer signs, and the fluctuation amount is ninety hundred thousand currency to be exchanged.
The preset interval includes less than or equal to one hundred thousand, greater than one hundred thousand and less than or equal to forty thousand, greater than one hundred thousand and less than or equal to seventy thousand and greater than one hundred thousand and less than or equal to one million, and the like. Different monetary intervals correspond to different contracted exchange rates, fluctuation intervals of the contracted exchange rates, and contracted times of the contracted exchange rates. The larger the fluctuation amount, the closer the predetermined exchange rate is to the exchange rate at the time of signing, the smaller the fluctuation interval, and the longer the contract time of the contract exchange rate.
Assuming that the maximum interval is greater than seventy thousand and less than or equal to one million, the agreed exchange rate in the embodiment is the exchange rate when the seller signs, and the agreed time of the agreed exchange rate is the time from the seller to the buyer, irrespective of the exchange rate fluctuation.
Optionally, a mapping relation between an interval where the ratio of the fluctuation amount to the seller bill amount is located and the rule parameters of the rule algorithm type is preset, and the corresponding rule parameters are determined according to the specific ratio of the fluctuation amount to the seller bill amount. The different ratio intervals correspond to different contracted exchange rates, fluctuation intervals of the contracted exchange rates and contracted time of the contracted exchange rates. The larger the ratio, the closer the predetermined exchange rate is to the exchange rate at the time of the receipt, the smaller the fluctuation interval, and the longer the contract time for the contract exchange rate.
Step S40: based on the rule set, generating the intelligent contract corresponding to the transaction request in an algorithm fusion mode through a blockchain.
Optionally, the blockchain is a novel application mode with the technical characteristics of distributed data storage, point-to-point transmission, node consensus, secure encryption and the like, and has the characteristics of decentralization, openness, non-falsification of data and the like. The smart contract is a digitized version of the traditional contract, is a computer program that runs automatically on the blockchain system, and can be executed automatically when the contract conditions are met. The smart contracts, once deployed, are not modifiable and have trusted features. Blockchains are a natural alliance with smart contracts and can be effectively used in combination.
As one embodiment, based on the transaction element, the agreed exchange rate, the fluctuation interval of the agreed exchange rate and the agreed time of the agreed exchange rate, the intelligent contract corresponding to the transaction request is generated in an algorithmic fusion mode through a blockchain.
In this embodiment, in order to solve the technical problem of unbalanced interests exchange between the two trading parties caused by the change of the trading market, the application is applied to a tolerance fault-tolerant system based on a blockchain intelligent financial platform, and the tolerance fault-tolerant system based on the blockchain intelligent financial platform is in communication connection with an artificial intelligent internet of things platform and the blockchain intelligent financial platform so as to enable each business node of the intelligent supply chain finance. Among other things, blockchain technology makes transactions more transparent, secure and decentralised. The intelligent contract technology can realize the rapid automatic settlement and clearing function, and improves the efficiency. And the tolerance fault-tolerant model based on the AI intelligent algorithm carries out wind control management, so that the risk is reduced. Intelligent financial platforms (BAAS) can provide individualized and accurate investment advice for investors based on data analysis and artificial intelligence techniques. Finally, the automatic processing and execution of the supply chain service are realized, the transparency, the safety, the rapidity and the traceability of the transaction are ensured, and the beneficial effects of reducing the risk of market fluctuation and balancing the interests of all parties of the transaction are achieved.
Further, referring to fig. 2, fig. 2 is a flowchart illustrating a second embodiment of a tolerance fault tolerance method based on a blockchain intelligent financial platform according to the present application, where the tolerance fault tolerance method based on the blockchain intelligent financial platform is applied to a third party platform, the third party platform includes a bank, and the step S40 includes:
Step S41: determining a risk control model and contract elements corresponding to the third party platform based on the intelligent contract, wherein the contract elements comprise identity information of a contract party, contract currency, transaction amount, contract exchange rate, fluctuation interval of the contract exchange rate and contract time of the contract exchange rate;
Optionally, if the contractor of the intelligent contract determines that the contract is completed through a third party platform, the present application may provide a tolerance fault tolerance model for the third party platform for risk assessment, where the third party platform includes a bank and payment software.
Optionally, determining the tolerance fault-tolerant model corresponding to the third party platform as a risk control model, and extracting contract elements based on an intelligent contract, wherein the contract elements comprise identity information of a contract party, contract currency, transaction amount, contract exchange rate, fluctuation interval of the contract exchange rate and contract time of the contract exchange rate.
Step S42: acquiring historical transaction data of a contractor, credit history data of the contractor and an exchange rate fluctuation model of the contractor currency based on the risk control model, the identity information of the contractor and the contractor currency;
optionally, based on the risk control model, acquiring historical transaction data of the contractor and credit history data of the contractor; and acquiring an exchange rate fluctuation model of the contract currency based on the contract currency.
Step S43: determining a contract risk of the intelligent contract based on historical transaction data of the contractor, credit history data of the contractor, a fluctuation model of exchange rate between countries where the contractor is located, the transaction amount, the contracted exchange rate, a fluctuation interval of the contracted exchange rate and a contracted time of the contracted exchange rate;
Optionally, determining the contract risk of the intelligent contract based on historical transaction data of the contract party, credit history data of the contract party, a fluctuation model of exchange rate between countries where the contract party is located, the transaction amount, the contract exchange rate, a fluctuation interval of the contract exchange rate and a contract time of the contract exchange rate, wherein the contract risk comprises contract fulfillment probability or a proportion of contract fulfillment amount to transaction amount and the like.
Step S44: based on the contract risk, it is determined whether to confirm that the smart contract is in effect.
Optionally, a risk threshold for the contract performance probability or the proportion of the contract performance amount to the transaction amount is preset, the risk threshold including a low risk threshold, a medium risk threshold. Confirming that the smart contract is valid when the contract performance probability or the proportion of the contract performance amount to the transaction amount is greater than or equal to a low risk threshold; when the contract performance probability or the proportion of the contract performance amount to the transaction amount is greater than or equal to the middle risk threshold and less than the low risk threshold, sending the intelligent contract back to the contract party and notifying the opposite party to revise; the smart contract is directly rejected when the contract performance probability or the proportion of the contract performance amount to the transaction amount is less than the stroke risk threshold.
In the embodiment, a risk control model is provided for the third party platform based on the AI intelligent algorithm so as to evaluate the risk of the intelligent contract, thereby effectively balancing the benefits of the third party and avoiding the third party platform from bearing excessive risk. Finally, the automatic processing and execution of the supply chain service are realized, the transparency, the safety, the rapidity and the traceability of the transaction are ensured, and the beneficial effects of reducing the risk of market fluctuation and balancing the interests of all parties of the transaction are achieved.
Further, based on the above embodiment, a third embodiment of the present application is provided, and the step S20 includes, before:
step S00: and if the cross-border transaction request is a multi-terminal transaction, determining transaction data of all transaction parties based on the distributed account book set, wherein the multi-terminal transaction is that the number of the transaction parties is greater than two, and the transaction data are used for determining the risk assessment result.
Optionally, if the cross-border transaction request is a multi-terminal transaction, because the involved transaction main body ticket signing times may all have differences, in order to unify transaction standards, balancing transaction risks of all parties, introducing a distributed ledger, and determining transaction data of all transaction parties based on the characteristic that the distributed ledger can layout relevant data of each transaction main body on a blockchain network, so as to determine a risk assessment result.
Alternatively, when the transaction body of the multi-terminal transaction belongs to different service types, such as provisioning, logistics, insurance, etc., each service type has different rules, in order to enable the multi-terminal transaction, the rules need to be recorded by using a distributed rule engine. Each transaction main body can generate different types of transaction data, and the transaction data are required to be recorded based on the distributed account book, so that the transparency, the safety, the rapidity and the traceability of the transaction are ensured.
The step S40 includes: each transaction record of the transaction main body is counted into a transaction main body distributed account book in the blockchain, and each transaction running water record of the third party platform is counted into the blockchain to form a blockchain-based payment platform account checking distributed account book; based on the intelligent contract, checking the transaction body account checking distributed account book and the payment platform account checking distributed account book to generate an account checking result.
In the embodiment, the benefits of multiple parties can be effectively balanced through the distributed account book, and risk imbalance of all transaction parties is avoided. Finally, the automatic processing and execution of the supply chain service are realized, the transparency, the safety, the rapidity and the traceability of the transaction are ensured, and the beneficial effects of reducing the risk of market fluctuation and balancing the interests of all parties of the transaction are achieved. In addition, the application sets a checking flow for the performance of the intelligent contract, prevents the data from being tampered, and further improves the transaction efficiency and the transaction safety.
Further, based on the above embodiment, a third embodiment of the present application is provided, and the step S20 includes, before:
Step S11: fusing rule algorithms in the rule algorithm warehouse to derive a new rule algorithm; or (b)
Searching for an unrecorded rule algorithm in the rule algorithm warehouse through the search engine set in a different algorithm library and a third party platform which are in butt joint with the intelligent financial platform, and fusing the unrecorded rule algorithm with the rule algorithm in the rule algorithm warehouse to derive a new rule algorithm so as to optimize the rule algorithm warehouse.
Optionally, the step of optimizing the rule algorithm library further comprises the step of performing a rule algorithm type and a functional parameter identification operation on the optimized rule algorithm, and storing the rule algorithm type in the rule algorithm warehouse.
In this embodiment, more choices and space are provided for rule formulation of intelligent contracts through active derivation and optimization mechanisms of rule algorithms. And the optimized rule algorithm is subjected to functional parameter identification, so that the tolerance fault tolerance system can quickly determine the functional parameter of each rule algorithm from the rule algorithm warehouse.
In addition, the embodiment of the application also provides a tolerance fault-tolerant system based on the blockchain intelligent financial platform.
Referring to fig. 3, fig. 3 is a schematic diagram of a tolerance fault tolerance system architecture of a blockchain-based intelligent financial platform in a hardware operating environment according to an embodiment of the present application.
As shown in fig. 3, the tolerance fault tolerance system based on the blockchain intelligent financial platform may include: a processor 1001, such as a central processing unit (CentralProcessingUnit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, a memory 1005. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., a wireless FIdelity (WI-FI) interface). The memory 1005 may be a high-speed random access memory (RandomAccessMemory, RAM) or a stable nonvolatile memory (Non-VolatileMemory, NVM), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
Those skilled in the art will appreciate that the architecture shown in fig. 3 is not limiting of the tolerance fault tolerance system based on a blockchain intelligent financial platform and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in FIG. 3, an operating system, a data storage module, a network communication module, a user interface module, and a tolerance fault tolerance program based on a blockchain intelligent financial platform may be included in the memory 1005 as one storage medium.
In the tolerance fault tolerance system based on the blockchain intelligent financial platform shown in fig. 3, the network interface 1004 is mainly used for data communication with other systems; the user interface 1003 is mainly used for data interaction with a user; the processor 1001 and the memory 1005 in the blockchain-based intelligent financial platform tolerance fault tolerance system of the present application may be disposed in the blockchain-based intelligent financial platform tolerance fault tolerance system, where the blockchain-based intelligent financial platform tolerance fault tolerance system invokes the blockchain-based intelligent financial platform tolerance fault tolerance program stored in the memory 1005 through the processor 1001, and executes the blockchain-based intelligent financial platform tolerance fault tolerance method provided by the embodiment of the present application.
In addition, the embodiment of the application also provides a storage medium.
The storage medium of the application stores a tolerance fault-tolerant program based on the blockchain intelligent financial platform, and the tolerance fault-tolerant program based on the blockchain intelligent financial platform realizes the steps of the tolerance fault-tolerant method based on the blockchain intelligent financial platform when being executed by a processor.
The specific embodiment of the tolerance fault tolerance program stored in the storage medium and executed by the processor is basically the same as the above embodiments of the tolerance fault tolerance method based on the blockchain intelligent financial platform, and will not be described herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the statement "comprising a tolerance fault tolerance based on a blockchain intelligent financial platform" does not preclude the presence of additional identical elements in a process, method, article, or system that comprises the element.
The foregoing embodiment numbers of the present application are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing an end system (which may be a mobile phone, a computer, a server, or a network system, etc.) to perform the method according to the embodiments of the present application.
The foregoing description is only of the preferred embodiments of the present application, and is not intended to limit the scope of the application, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.