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Financial data processing method and system based on license chain

A technology for financial data and management systems, applied in the field of financial data processing methods and systems based on permissioned chains, can solve the problems of cumbersome and inconsistent liquidation mechanism steps, limited operating time, and low liquidation efficiency, and achieve unlimited operating time. , the effect of high liquidation efficiency and low cost

Pending Publication Date: 2020-03-24
ZHONGCHAO CREDIT CARD IND DEV
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The embodiment of the present invention provides a method and system for processing financial data based on a permission chain, which solves the defects of cumbersome and inconsistent steps in the existing liquidation mechanism, limited running time, low liquidation efficiency, and high cost

Method used

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  • Financial data processing method and system based on license chain
  • Financial data processing method and system based on license chain
  • Financial data processing method and system based on license chain

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Embodiment Construction

[0045] The preferred embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described below are only used to illustrate and explain the present invention, and are not intended to limit the present invention.

[0046] figure 2 It is a schematic flow chart of a permission chain-based financial data processing method provided by an embodiment of the present invention, as shown in figure 1 As shown, the method may include:

[0047] Step S101: The operating institution builds a permission chain for the trust connection between the clearing institution and each bank;

[0048] Step S102: The operating institution assigns identities in the permission chain to the clearing institution and each bank respectively;

[0049] Step S103: When the paying bank receives the transaction application for payment from the user to the beneficiary bank, the paying bank sends the tr...

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PUM

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Abstract

The invention discloses a financial data processing method and system based on a license chain. The method comprises the steps that an operation mechanism constructs the license chain used for enabling a clearing mechanism and all banks to achieve trust connection; the operation institution distributes identities of the clearing institution and the banks in the permission chain respectively; whenthe payment bank receives a transaction application paid to the collection bank by the user, the payment bank sends the transaction application to the permission chain, so that the permission chain carries out bilateral difference processing on financial data of the payment bank and the collection bank in real time; and the clearing institution acquires the financial data of each bank subjected todifference checking processing on the permission chain, and sends the financial data to a clearing account management system to carry out timing clearing processing. The clearing mechanism is connected with each bank through the permission chain, so that financial data processing steps of the clearing mechanism can be simplified, the operation time is not limited, the clearing efficiency is high,and the cost is low.

Description

technical field [0001] The present invention relates to the financial field, in particular to a permission chain-based financial data processing method and system. Background technique [0002] The current commercial inter-bank clearing, with the central bank and the clearing institution as the counterparty, has realized a two-level clearing mechanism with the city processing center and the national processing center, such as figure 1 shown. The existing clearing mechanism is a centralized method, and the centralized system bears the key responsibility. The responsibility of the central bank should be supervision, and the responsibility of commercial banks is business. Now the central bank also undertakes the inter-bank clearing business. [0003] The payment system mainly includes a large-amount payment system and a small-amount payment system, which handle different businesses respectively. The large-amount payment system only handles large-amount real-time credit busines...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/04G06Q40/00G06F21/60G06F21/64
CPCG06Q40/02G06Q40/04G06Q40/12G06F21/602G06F21/64G06F2221/2141
Inventor 杨向军汪小八狄斌
Owner ZHONGCHAO CREDIT CARD IND DEV
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