Bank-enterprise cooperation account book sharing system and method based on block chain

Abstract

The invention provides a bank-enterprise-cooperation account book sharing system and method based on a block chain. The system comprises an alliance chain composed of an enterprise node, at least one financial institution node and a plurality of merchant nodes, enterprise nodes are set, and enterprise employee welfare expected issuing data is uploaded to the alliance chain; merchant nodes are set, and welfare commodity transaction detail bill data is uploaded to the alliance chain; the financial institution node is set, and performs welfare issuing and welfare receiving comparison accounting to form an employee dimension transaction account book according to enterprise employee welfare expected issuing data and employee welfare receiving records; according to the welfare commodity purchase transaction record and the welfare commodity transaction detail bill data of each employee, account checking and clearing of the welfare commodity transaction detail bill of each merchant are carried out, and a transaction account book of the merchant dimension is formed. The alliance chain is constructed, the shared account book which is credible in three parties is established, data is open and transparent, and account checking errors are reduced. The system and the method are applied to the field of block chains.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a ledger sharing system and method for bank-enterprise cooperation based on block chains. Background technique [0002] The current social electronic payment system is very developed, financial transactions involve a variety of scenarios, and there are multiple participants, such as enterprises, merchants, banks, manufacturers, regulatory authorities, etc. The cooperation between banks and enterprises has always been very close. As a common business scenario in the connection between banks and enterprises, when enterprises distribute welfare amounts to employees and employees purchase welfare materials, the account movement records are recorded on the bank side, and the bank provides transaction information. Afterwards, reconciliation is carried out with individual employees and enterprises, and then reconciliation with the merchant side, and the payment settlement p...

AI Technical Summary

Problems solved by technology

[0003] This series of reconciliation process is lengthy and complicated. Due to communication failures, retries, operational errors, program loopholes, etc., errors such as misrecording, omission, re-recording, and over-recording of accounts are prone to occur.

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