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CN110210968A - Intelligent Service transaction system - Google Patents

Intelligent Service transaction system Download PDF

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CN110210968A
CN110210968A CN201910426202.5A CN201910426202A CN110210968A CN 110210968 A CN110210968 A CN 110210968A CN 201910426202 A CN201910426202 A CN 201910426202A CN 110210968 A CN110210968 A CN 110210968A
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transaction
module
contract
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张宗洋
胡斌
荣康
刘建伟
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Beihang University
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    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
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Abstract

本发明公开了一种智能服务交易系统,包括:交易主客体信息验证模块,用于验证交易主体身份信息和交易客体内容信息;交易主体需求发布模块,用于验证通过后,发布交易主体的需求;智能服务交易筛选推荐与匹配模块,用于根据交易主体的需求匹配交易双方;交易协商模块,用于根据交易双方对应的交易客体内容信息审核交易双方的资料信息以及具体交易参数的确定;智能合约签订模块,用于在审核通过后,完成智能合约的构建,其中,智能合约部署于区块链上;智能合约部署与演化模块,用于在构建完成后,完成智能合约的部署、后续维护与演化。该系统有利于智能服务系统的统筹维护和安全分析,有利于系统开发者针对特定的执行模块进行性能优化以及安全强化。

The invention discloses an intelligent service transaction system, comprising: a transaction subject and object information verification module, used to verify the identity information of the transaction subject and transaction object content information; ;Smart service transaction screening recommendation and matching module, used to match the transaction parties according to the needs of transaction subjects; The contract signing module is used to complete the construction of the smart contract after the audit is passed, wherein the smart contract is deployed on the blockchain; the smart contract deployment and evolution module is used to complete the deployment and subsequent maintenance of the smart contract after the construction is completed and evolution. The system is conducive to the overall maintenance and security analysis of the intelligent service system, and it is beneficial for system developers to optimize performance and strengthen security for specific execution modules.

Description

智能服务交易系统Intelligent Service Trading System

技术领域technical field

本发明涉及区块链应用技术领域,特别涉及一种智能服务交易系统。The invention relates to the technical field of block chain applications, in particular to an intelligent service transaction system.

背景技术Background technique

区块链诞生自中本聪的比特币,自2009年以来,出现了各种各样的基于公有区块链的类比特币数字货币。区块链本质上是一个去中心化的数据库,具有去中心化、信息防篡改、公开透明、健壮性高等优点。智能合约是二十世纪九十年代由尼克萨博提出的理念,它是运行在可复制、共享的账本上的计算机程序,可以处理信息,接收、储存和发送价值。在区块链场景下,智能合约是运行在区块链数据库上的计算机程序,可以在满足其源代码中写入的条件时自行执行。由于智能合约自动执行且不依赖于可信第三方的特性,其可以被用户信赖。另外,由于区块链数据的不可篡改特性,智能合约也是不可更改的。The blockchain was born from Satoshi Nakamoto's Bitcoin. Since 2009, various Bitcoin-like digital currencies based on public blockchains have emerged. Blockchain is essentially a decentralized database, which has the advantages of decentralization, information tamper-proof, openness and transparency, and high robustness. A smart contract is a concept proposed by Nick Szabo in the 1990s. It is a computer program running on a replicable and shared ledger that can process information, receive, store and send value. In the blockchain context, a smart contract is a computer program running on a blockchain database that can execute itself when the conditions written in its source code are met. Since the smart contract is automatically executed and does not rely on the characteristics of a trusted third party, it can be trusted by users. In addition, due to the immutable nature of blockchain data, smart contracts are also immutable.

随着区块链技术的发展和智能合约应用的进一步推广,越来越多的人将会在实际生活中接触到智能合约。以太坊等平台为智能合约的部署和实施提供了支持,智能合约能够在金融和物联网领域具有创新性应用,其能够提供某些传统中心机构不能或不愿提供的服务。智能合约能够提供多种多样的智能服务。目前基于智能合约的智能服务交易没有固定的模式,形式多样,不利于统筹维护和安全分析,可能潜在多种安全漏洞,易造成经济损失.With the development of blockchain technology and the further promotion of smart contract applications, more and more people will come into contact with smart contracts in real life. Platforms such as Ethereum provide support for the deployment and implementation of smart contracts. Smart contracts can have innovative applications in the fields of finance and the Internet of Things, and they can provide services that some traditional central institutions cannot or are unwilling to provide. Smart contracts can provide a variety of smart services. At present, there is no fixed mode for smart service transactions based on smart contracts, and there are various forms, which are not conducive to overall maintenance and security analysis, and may have multiple potential security loopholes, which may easily cause economic losses.

发明内容Contents of the invention

本发明旨在至少在一定程度上解决相关技术中的技术问题之一。The present invention aims to solve one of the technical problems in the related art at least to a certain extent.

为此,本发明的目的在于提出一种智能服务交易系统,该系统有利于系统开发者针对特定的执行模块进行性能优化以及安全强化。Therefore, the object of the present invention is to propose an intelligent service transaction system, which is beneficial for system developers to perform performance optimization and security enhancement for specific execution modules.

为达到上述目的,本发明实施例提出了一种智能服务交易系统,包括:交易主客体信息验证模块,用于验证交易主体身份信息和交易客体内容信息;交易主体需求发布模块,用于验证通过后,发布所述交易主体的需求;智能服务交易筛选推荐与匹配模块,用于根据所述交易主体的需求匹配交易双方;交易协商模块,用于根据所述交易双方对应的交易客体内容信息审核所述交易双方的资料信息及交易参数的确定;智能合约签订模块,用于在审核通过后,完成智能合约的构建,其中,所述智能合约部署于区块链上;智能合约部署与演化模块,用于在构建完成后,完成所述智能合约的部署、后续维护与演化。In order to achieve the above purpose, the embodiment of the present invention proposes an intelligent service transaction system, including: a transaction subject and object information verification module, used to verify the identity information of the transaction subject and the content information of the transaction object; Afterwards, the requirements of the transaction subject are released; the intelligent service transaction screening recommendation and matching module is used to match the transaction parties according to the needs of the transaction subject; the transaction negotiation module is used to review the content information of the transaction object corresponding to the transaction parties The data information of both parties to the transaction and the determination of transaction parameters; the smart contract signing module is used to complete the construction of the smart contract after the review is passed, wherein the smart contract is deployed on the block chain; the smart contract deployment and evolution module , which is used to complete the deployment, subsequent maintenance and evolution of the smart contract after the construction is completed.

本发明实施例的智能服务交易系统,可以将基于区块链和智能合约技术的智能服务系统中所需的各种执行模块进行解耦,有利于智能服务系统的统筹维护和安全分析,有利于系统开发者针对特定的执行模块进行性能优化以及安全强化。The intelligent service transaction system of the embodiment of the present invention can decouple various execution modules required in the intelligent service system based on block chain and intelligent contract technology, which is beneficial to the overall maintenance and security analysis of the intelligent service system, and is beneficial to System developers perform performance optimization and security enhancement for specific execution modules.

另外,根据本发明上述实施例的智能服务交易系统还可以具有以下附加的技术特征:In addition, the intelligent service transaction system according to the above-mentioned embodiments of the present invention may also have the following additional technical features:

进一步地,在本发明的一个实施例中,还包括:区块链基础设施模块,用于识别交易主体身份和客体内容、登记用户信息、验证交易信息、执行交易和记录交易结果。Further, in one embodiment of the present invention, it also includes: a block chain infrastructure module, which is used to identify the identity of the transaction subject and the content of the object, register user information, verify transaction information, execute transactions and record transaction results.

进一步地,在本发明的一个实施例中,所述区块链基础设施模块具体包括:用户层,所述用户层包括需求发布、资料审核、信息记录、合约定制以及合约管理;管理层,所述管理层包括接入管理、节点管理、异常管理以及合约管理;核心层,所述核心层包括共识机制、账本记录、时序服务、合约服务、分片机制、签名方案和哈希函数;基础层,所述基础层包括存储方案、对等网络和合约执行机制。Further, in one embodiment of the present invention, the blockchain infrastructure module specifically includes: a user layer, which includes demand publishing, data review, information recording, contract customization, and contract management; The above-mentioned management layer includes access management, node management, exception management and contract management; the core layer, the core layer includes consensus mechanism, ledger record, timing service, contract service, fragmentation mechanism, signature scheme and hash function; the base layer , the base layer includes a storage solution, a peer-to-peer network, and a contract execution mechanism.

进一步地,在本发明的一个实施例中,交易主客体信息验证模块包括:交易主体身份验证平台,用于根据所述区块链基础设施模块提供的内容对所述交易主体进行身份验证;交易客体内容验证平台,用于验证交易客体内容信息。Further, in one embodiment of the present invention, the transaction subject and object information verification module includes: a transaction subject identity verification platform, which is used to verify the identity of the transaction subject according to the content provided by the blockchain infrastructure module; The object content verification platform is used to verify the transaction object content information.

进一步地,在本发明的一个实施例中,所述交易主体需求发布模块包括多个发布接口以及需求展示平台。Further, in an embodiment of the present invention, the transaction subject demand publishing module includes multiple publishing interfaces and a demand display platform.

进一步地,在本发明的一个实施例中,所述智能合约签订模块包括:智能合约构建平台,所述智能合约构建平台提供多个交易选项和输入接口,用于根据所述交易双方的需求生成所述智能合约;合约安全性检验设施,用于对所述智能合约进行安全性检验;合约交付验收平台,用于在所述智能合约通过安全性检验后,将所述智能合约可视化显示,以供所述交易双方对所述智能合约进行可视化验证。Further, in one embodiment of the present invention, the smart contract signing module includes: a smart contract construction platform, the smart contract construction platform provides multiple transaction options and input interfaces for generating The smart contract; the contract security inspection facility, which is used to perform a security inspection on the smart contract; the contract delivery acceptance platform, which is used to visually display the smart contract after the smart contract passes the safety inspection, so as to For the transaction parties to perform visual verification on the smart contract.

进一步地,在本发明的一个实施例中,所述智能合约部署与演化模块还用于在满足预设条件时更新调整所述智能合约的内容、或提前终止和撤销所述智能合约。Further, in one embodiment of the present invention, the smart contract deployment and evolution module is also used to update and adjust the content of the smart contract, or terminate and revoke the smart contract in advance when the preset condition is met.

进一步地,在本发明的一个实施例中,还包括:监管模块,用于监管所述交易主客体信息验证模块、所述交易主体需求发布模块、所述智能服务交易筛选、推荐与匹配模块和所述交易协商模块,以监管所述交易双方法的交易状态和交易行为。Further, in one embodiment of the present invention, it also includes: a supervisory module for supervising the transaction subject and object information verification module, the transaction subject demand release module, the intelligent service transaction screening, recommendation and matching module and The transaction negotiation module is used to supervise the transaction state and transaction behavior of the transaction method.

进一步地,在本发明的一个实施例中,还包括:主体信用动态评估模块,利用所述监管模块获取的信息以及区块链基础设施上记录的交易主体的基本信息、财务报表及审计报告、违约记录和延期还款记录对整个系统的交易主体进行信用动态评估,并将评估后的结果记录到区块链,以向用户提供可靠的交易主体信用信息。Further, in one embodiment of the present invention, it also includes: a subject credit dynamic evaluation module, using the information obtained by the supervision module and the basic information of the transaction subject recorded on the blockchain infrastructure, financial statements and audit reports, Default records and deferred repayment records dynamically evaluate the credit of transaction subjects in the entire system, and record the evaluation results to the blockchain to provide users with reliable transaction subject credit information.

进一步地,在本发明的一个实施例中,监管模块还用于监管所述主体信用动态评估模块。Further, in an embodiment of the present invention, the supervision module is also used to supervise the subject credit dynamic assessment module.

本发明附加的方面和优点将在下面的描述中部分给出,部分将从下面的描述中变得明显,或通过本发明的实践了解到。Additional aspects and advantages of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention.

附图说明Description of drawings

本发明上述的和/或附加的方面和优点从下面结合附图对实施例的描述中将变得明显和容易理解,其中:The above and/or additional aspects and advantages of the present invention will become apparent and easy to understand from the following description of the embodiments in conjunction with the accompanying drawings, wherein:

图1为根据本发明实施例的智能服务交易系统的结构示意图;Fig. 1 is a schematic structural diagram of an intelligent service transaction system according to an embodiment of the present invention;

图2为根据本发明一个实施例的面向群体智能服务的区块链基础设施结构图;Fig. 2 is according to an embodiment of the present invention oriented block chain infrastructure structural diagram of group intelligence service;

图3为根据本发明一个实施例的交易主客体信息验证模块结构图;Fig. 3 is a structural diagram of a transaction subject and object information verification module according to an embodiment of the present invention;

图4为根据本发明一个实施例的交易主体交易发布模块结构图;FIG. 4 is a structural diagram of a transaction publishing module of a transaction subject according to an embodiment of the present invention;

图5为根据本发明一个实施例的智能服务交易筛选、推荐与匹配模块结构图;Fig. 5 is a structural diagram of intelligent service transaction screening, recommendation and matching modules according to an embodiment of the present invention;

图6为根据本发明一个实施例的交易协商模块结构图;6 is a structural diagram of a transaction negotiation module according to an embodiment of the present invention;

图7为根据本发明一个实施例的智能合约签订模块结构图;FIG. 7 is a structural diagram of a smart contract signing module according to an embodiment of the present invention;

图8为根据本发明一个实施例的智能合约部署与演化模块结构图;FIG. 8 is a structural diagram of a smart contract deployment and evolution module according to an embodiment of the present invention;

图9为根据本发明一个实施例的金融服务中的中小微企业贷款服务实施例中的智能合约匹配、构造与发布方法的实施流程图。Fig. 9 is a flow chart of the implementation of the smart contract matching, construction and issuance method in the financial service loan service embodiment for small and medium-sized enterprises according to an embodiment of the present invention.

具体实施方式Detailed ways

下面详细描述本发明的实施例,所述实施例的示例在附图中示出,其中自始至终相同或类似的标号表示相同或类似的元件或具有相同或类似功能的元件。下面通过参考附图描述的实施例是示例性的,旨在用于解释本发明,而不能理解为对本发明的限制。Embodiments of the present invention are described in detail below, examples of which are shown in the drawings, wherein the same or similar reference numerals designate the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the figures are exemplary and are intended to explain the present invention and should not be construed as limiting the present invention.

下面参照附图描述根据本发明实施例提出的智能服务交易系统。The following describes the intelligent service transaction system proposed according to the embodiment of the present invention with reference to the accompanying drawings.

图1是本发明一个实施例的智能服务交易系统的结构示意图。Fig. 1 is a schematic structural diagram of an intelligent service transaction system according to an embodiment of the present invention.

如图1所示,该智能服务交易系统100包括:交易主客体信息验证模块110、交易主体需求发布模块120、智能服务交易筛选推荐与匹配模块130、交易协商模块140、智能合约签订模块150和智能合约部署与演化模块160。As shown in Figure 1, the intelligent service transaction system 100 includes: a transaction subject and object information verification module 110, a transaction subject demand release module 120, an intelligent service transaction screening recommendation and matching module 130, a transaction negotiation module 140, an intelligent contract signing module 150 and Smart contract deployment and evolution module 160.

其中,交易主客体信息验证模块110用于验证交易主体身份信息和交易客体内容信息。交易主体需求发布模块120用于验证通过后,发布交易主体的需求。智能服务交易筛选推荐与匹配模块130用于根据交易主体的需求匹配交易双方。交易协商模块140用于根据交易双方对应的交易客体内容信息审核交易双方的资料信息并确定具体的合约参数。智能合约签订模块150用于在审核通过后,完成智能合约的构建,其中,智能合约部署于区块链上。智能合约部署与演化模块160部署于区块链上,用于在构建完成后,完成智能合约的部署、后续维护与演化。本发明实施例的系统100可以将基于区块链和智能合约技术的智能服务系统中所需的各种执行模块进行解耦,有利于智能服务系统的统筹维护和安全分析,有利于系统开发者针对特定的执行模块进行性能优化以及安全强化。Wherein, the transaction subject and object information verification module 110 is used for verifying the identity information of the transaction subject and the content information of the transaction object. The transaction subject requirement release module 120 is used to release the transaction subject requirement after the verification is passed. The intelligent service transaction screening recommendation and matching module 130 is used to match the transaction parties according to the needs of the transaction subject. The transaction negotiation module 140 is used to review the data information of the transaction parties and determine specific contract parameters according to the transaction object content information corresponding to the transaction parties. The smart contract signing module 150 is used to complete the construction of the smart contract after passing the review, wherein the smart contract is deployed on the block chain. The smart contract deployment and evolution module 160 is deployed on the block chain, and is used to complete the deployment, subsequent maintenance and evolution of the smart contract after the construction is completed. The system 100 of the embodiment of the present invention can decouple various execution modules required in the intelligent service system based on blockchain and smart contract technology, which is beneficial to the overall maintenance and security analysis of the intelligent service system and system developers Perform performance optimization and security enhancement for specific execution modules.

下面将以金融服务中的小微企业贷款为例,对本发明实施例的系统100进行进一步介绍。The system 100 of the embodiment of the present invention will be further introduced below by taking the loan of small and micro enterprises in financial services as an example.

进一步地,在本发明的一个实施例中,如图1所示,本发明实施例的系统100还包括:区块链基础设施模块170。其中,区块链基础设施模块170用于识别交易主体身份和客体内容、登记用户信息、验证交易信息、执行交易和记录交易结果。Further, in one embodiment of the present invention, as shown in FIG. 1 , the system 100 of the embodiment of the present invention further includes: a blockchain infrastructure module 170 . Among them, the blockchain infrastructure module 170 is used to identify the identity of the transaction subject and the content of the object, register user information, verify transaction information, execute transactions and record transaction results.

具体而言,如图2所示,面向群体智能服务的区块链基础设施模块170:该模块170中的基础设施和协议是针对群体智能服务而专门优化的,该模块170以区块链及智能合约技术为基础,为群体智能服务的交易提供主/客体身识别、用户信息登记、交易信息验证、交易执行、交易结果记录等基本功能。该模块按照不同的功能可分为用户层、管理层、核心层和基础层。其中,用户层包括需求发布、资料审核、信息记录、合约定制以及合约管理等;管理层包括接入管理、节点管理、异常管理以及合约管理等;核心层包括共识机制、账本记录、时序服务、合约服务、分片机制、签名方案、哈希函数等;基础层包括存储方案、对等网络、合约执行机制等。由于区块链上信息具有不可抵赖、不可篡改等特性,信息的记录和验证具有权威性,并且智能合约的执行结果具有不可逆转的特性。此外,区块链基础设施模块170具有一定的稳定性和抗破坏性,具有较高的攻击成本,以保证整个智能服务交易系统100的底层环境的安全性和可用性。Specifically, as shown in Figure 2, the blockchain infrastructure module 170 for swarm intelligence services: the infrastructure and protocols in this module 170 are specially optimized for swarm intelligence services, and this module 170 is based on blockchain and Based on smart contract technology, it provides basic functions such as subject/object identification, user information registration, transaction information verification, transaction execution, and transaction result recording for group intelligence service transactions. The module can be divided into user layer, management layer, core layer and base layer according to different functions. Among them, the user layer includes demand release, data review, information recording, contract customization, and contract management; the management layer includes access management, node management, exception management, and contract management; the core layer includes consensus mechanisms, ledger records, timing services, Contract service, sharding mechanism, signature scheme, hash function, etc.; the basic layer includes storage scheme, peer-to-peer network, contract execution mechanism, etc. Due to the characteristics of non-repudiation and non-tampering of information on the blockchain, the recording and verification of information is authoritative, and the execution results of smart contracts are irreversible. In addition, the blockchain infrastructure module 170 has certain stability and anti-destructiveness, and has a relatively high attack cost, so as to ensure the security and availability of the underlying environment of the entire intelligent service transaction system 100 .

进一步地,在本发明的一个实施例中,交易主客体信息验证模块110包括:交易主体身份验证平台和交易客体内容验证平台。Further, in an embodiment of the present invention, the transaction subject and object information verification module 110 includes: a transaction subject identity verification platform and a transaction object content verification platform.

其中,交易主体身份验证平台,用于根据区块链基础设施模块提供的内容对交易主体进行身份验证。交易客体内容验证平台,用于验证交易客体内容信息。Among them, the transaction subject identity verification platform is used to verify the identity of the transaction subject according to the content provided by the blockchain infrastructure module. The transaction object content verification platform is used to verify the content information of the transaction object.

具体而言,如图3所示,交易主客体信息验证模块110:该模块110包括交易主体身份验证平台以及交易客体内容验证平台,其中,交易主体身份验证平台可以利用面向群体智能服务的区块链基础设施提供的部分内容进行身份验证。此外,这两个信息验证平台受到监管部门的监管。Specifically, as shown in Figure 3, the transaction subject and object information verification module 110: this module 110 includes a transaction subject identity verification platform and a transaction object content verification platform, wherein the transaction subject identity verification platform can use the group intelligence service-oriented block Part of the content provided by the chain infrastructure is authenticated. In addition, these two information verification platforms are regulated by the regulatory authorities.

进一步地,在本发明的一个实施例中,交易主体需求发布模块120包括多个发布接口以及需求展示平台。Further, in one embodiment of the present invention, the transaction subject requirement publishing module 120 includes multiple publishing interfaces and a requirement display platform.

具体而言,如图4所示,交易主体需求发布模块120:该模块120包括贷款提供方的需求发布接口、贷款需求方的需求发布接口以及需求展示平台,交易主体(包括贷款提供方和贷款需求方)可根据自己的需求和偏好发布需求,这些需求后续接入到智能服务交易筛选、推荐与匹配模块,以进行需求匹配以及更多后续操作。此外,该模块会预留监管接口,已发布的需求将会受到监管部门的监管。Specifically, as shown in Figure 4, the transaction subject demand publishing module 120: this module 120 includes the demand publishing interface of the loan provider, the demand publishing interface of the loan demander, and the demand display platform, and the transaction subject (including the loan provider and the loan provider) The demand side) can publish requirements according to their own needs and preferences, and these requirements are subsequently connected to the intelligent service transaction screening, recommendation and matching module for demand matching and more follow-up operations. In addition, this module will reserve a supervisory interface, and the released requirements will be supervised by the supervisory department.

进一步地,如图5所示,智能服务交易筛选、推荐与匹配模块130:该模块130包括多维度的用户特征筛选技术、需求导向的服务过滤策略、用户差异化需求兴趣点匹配技术、基于记忆的反馈排名机制、基于用户和物品的混合策略推荐模型、基于显因子模型的智能推荐算法等方法与技术,目的是根据各方的目标需求和行为偏好,高效、准确地完成提供贷款的金融机构和请求贷款的小微企业之间的需求匹配。此外,该模块130的匹配结果也会受到监管部门的监管。Further, as shown in FIG. 5 , intelligent service transaction screening, recommendation and matching module 130: this module 130 includes multi-dimensional user feature screening technology, demand-oriented service filtering strategy, user differentiated demand point-of-interest matching technology, memory-based The feedback ranking mechanism, the mixed strategy recommendation model based on users and items, the intelligent recommendation algorithm based on the explicit factor model and other methods and technologies, the purpose is to efficiently and accurately complete the financial institutions that provide loans according to the target needs and behavior preferences of all parties. Matching needs with small and micro enterprises requesting loans. In addition, the matching result of this module 130 will also be supervised by the supervisory department.

如图6所示,交易协商模块140:交易协商模块140中主要包括交易双方进一步的资料审核以及交易内容及合约中实际参数的协商等。在资料审核过程中,提供贷款的金融机构对需求匹配模块中匹配得到的贷款需求方进行资料审核。其中,利用面向群体智能服务的区块链基础设施模块170提供的用户信息登记、交易信息验证等功能,以及需求方提供的进一步资料(当然,需求方也可以根据实际情况选择是否进行提供,在此不做具体限定),提供贷款的金融机构可以参照传统的审核流程对需求方进行进一步的资料审核,包括对企业的审计报告、失信行为等资料和信息的审核。该部分最终的审核结果将会受到监管部门的监管。As shown in FIG. 6 , the transaction negotiation module 140 : the transaction negotiation module 140 mainly includes further data review by both parties to the transaction, negotiation of transaction content and actual parameters in the contract, and the like. During the data review process, the financial institution that provides the loan reviews the data of the loan demanders matched in the demand matching module. Among them, use functions such as user information registration and transaction information verification provided by the block chain infrastructure module 170 oriented to group intelligence services, and further information provided by the demand side (of course, the demand side can also choose whether to provide according to the actual situation. This is not specifically limited), financial institutions that provide loans can refer to the traditional review process to conduct further data review on the demand side, including review of the company's audit report, dishonest behavior and other materials and information. The final review results of this part will be supervised by the regulatory authorities.

资料审核完成后,双方进入交易内容及参数协商阶段。在这一阶段中,双方就事先匹配时所发布的需求进行进一步的细节协商,这些细节包括需求中已有的内容以及需求中没有的部分,例如一些无法在合约中准确描述的条款等。在匹配成果的双方的需求无法完全、同时地满足的情况下,双方可在该阶段完成参数的协商,即重新修改发布时所述需求中已有的具体参数,如利率、年限等。同样地,交易内容的协商结果也会受到监管部门的监管。After the data review is completed, the two parties enter the negotiation stage of transaction content and parameters. In this stage, the two parties conduct further detailed negotiations on the requirements released during the prior matching. These details include the existing content in the requirements and the parts that are not in the requirements, such as some terms that cannot be accurately described in the contract. In the case that the needs of both parties of the matching results cannot be fully and simultaneously met, the two parties can complete the negotiation of parameters at this stage, that is, re-modify the specific parameters already in the requirements stated at the time of release, such as interest rates, years, etc. Similarly, the negotiation results of the transaction content will also be supervised by the regulatory authorities.

进一步地,在本发明的一个实施例中,智能合约签订模块150包括:智能合约构建平台、合约安全性检验设施和合约交付验收平台。Further, in one embodiment of the present invention, the smart contract signing module 150 includes: a smart contract construction platform, a contract security inspection facility, and a contract delivery acceptance platform.

其中,智能合约构建平台,智能合约构建平台提供多个交易选项和输入接口,用于根据交易双方的需求生成智能合约;合约安全性检验设施,用于对智能合约进行安全性检验;合约交付验收平台,用于在智能合约通过安全性检验后,将智能合约可视化显示,以供交易双方对智能合约进行可视化验证。Among them, the smart contract construction platform, the smart contract construction platform provides multiple transaction options and input interfaces for generating smart contracts according to the needs of both parties to the transaction; contract security inspection facilities for security inspection of smart contracts; contract delivery acceptance The platform is used to visually display the smart contract after the smart contract has passed the security inspection, so that both parties to the transaction can visually verify the smart contract.

具体而言,如图7所示,智能合约签订模块150:该模块150主要涉及两个参与方,即贷款提供方和贷款需求方,在必要时还可以引入第三个参与方,即贷款担保方。在贷款提供方和贷款需求方之间完成目标匹配并且贷款需求方通过贷款提供方进一步的资料审核后,两个参与方进入该合约签订模块。Specifically, as shown in Figure 7, the smart contract signing module 150: this module 150 mainly involves two participants, the loan provider and the loan demander, and a third participant, the loan guarantee, can also be introduced if necessary. square. After the target matching between the loan provider and the loan demander is completed and the loan demander has passed the further information review of the loan provider, the two participants enter the contract signing module.

该模块150主要包含一个智能合约构建平台,以及合约安全性检验设施和合约交付验收平台。合约构建平台提供若干交易选项及输入接口,交易双方将事先商定的协议参数(例如,贷款条件、贷款金额等)输入该合约构建平台,平台将自动生成包含双方需求的智能合约。之后,该模块150中的合约安全性检验设施将提供对应合约的安全检查,以保证合约逻辑上的安全性。当构建平台生成的智能合约通过安全性检验后,交易双方可在该模块中的智能合约交付验收平台对合约进行可视化验证,即,将合约以一定的可视化方式显示,以验证生成的智能合约所能实现的功能。最终由交易双方验收确认后,合约将会进入智能合约部署与演化模块150,该模块150部署于区块链。The module 150 mainly includes a smart contract construction platform, as well as contract security inspection facilities and a contract delivery acceptance platform. The contract construction platform provides a number of transaction options and input interfaces. Both parties to the transaction input the pre-agreed agreement parameters (such as loan conditions, loan amount, etc.) into the contract construction platform, and the platform will automatically generate a smart contract that includes the needs of both parties. Afterwards, the contract security inspection facility in the module 150 will provide a security check of the corresponding contract to ensure the logical security of the contract. When the smart contract generated by the construction platform passes the security inspection, both parties to the transaction can visually verify the contract on the smart contract delivery acceptance platform in this module, that is, display the contract in a certain visual way to verify the generated smart contract. Achievable functions. After final acceptance and confirmation by both parties to the transaction, the contract will enter the smart contract deployment and evolution module 150, which is deployed on the blockchain.

进一步地,在本发明的一个实施例中,智能合约部署与演化模块160还用于在满足预设条件时更新调整智能合约的内容、或提前终止和撤销智能合约。Further, in one embodiment of the present invention, the smart contract deployment and evolution module 160 is also used to update and adjust the content of the smart contract, or terminate and revoke the smart contract in advance when the preset condition is met.

具体而言,如图8所示,智能合约部署与演化模块160:该模块160主要作用是将智能合约签订模块中完成的智能合约部署于区块链上,此后,被部署的合约将以其被定义的规则顺序地、无法逆转地执行。此外,该模块160还可用于应对一些特殊情况下的对智能合约的生命周期状态的调整,包括某些情况下对智能合约中内容的更新调整或是对合约的提前终止和撤销。Specifically, as shown in Figure 8, the smart contract deployment and evolution module 160: the main function of this module 160 is to deploy the smart contracts completed in the smart contract signing module on the blockchain. The defined rules are executed sequentially and irreversibly. In addition, the module 160 can also be used to deal with the adjustment of the life cycle state of the smart contract in some special cases, including the update and adjustment of the content in the smart contract or the early termination and revocation of the contract in some cases.

进一步地,在本发明的一个实施例中,如图1所示,本发明实施例的系统100还包括:监管模块180。其中,监管模块180,用于监管交易主客体信息验证模块110、交易主体需求发布模块120、智能服务交易筛选130、推荐与匹配模块140和交易协商模块150,以监管交易双方法的交易状态和交易行为。Further, in an embodiment of the present invention, as shown in FIG. 1 , the system 100 of the embodiment of the present invention further includes: a supervision module 180 . Among them, the supervision module 180 is used to supervise the transaction subject and object information verification module 110, the transaction subject demand release module 120, the intelligent service transaction screening 130, the recommendation and matching module 140 and the transaction negotiation module 150, so as to supervise the transaction status and trading behavior.

具体而言,监管模块180:该模块180主要提供对贷款需求方的状态以及后续交易行为进行追踪,对贷款需求方的恶意行为进行检测和监管(例如,使用同一需求和身份从多个贷款提供方处获取贷款等),对贷款需求方的身份信息的定期核实,对交易系统的整体状态进行合规数据报送等功能,以保证系统内各参与方的合法权益。其中,监管又可以按照监管介入时刻分为事前监管、事中监管以及事后监管。Specifically, supervision module 180: This module 180 mainly provides tracking of the status of the loan demander and subsequent transaction behavior, and detects and supervises the malicious behavior of the loan demander (for example, using the same demand and identity to provide loans from multiple loans) obtain loans, etc.), regularly verify the identity information of loan demanders, and perform compliance data reporting on the overall status of the trading system to ensure the legitimate rights and interests of all participants in the system. Among them, supervision can be divided into ex-ante supervision, interim supervision and post-event supervision according to the time of supervision intervention.

进一步地,在本发明的一个实施例中,如图1所示,本发明实施例的系统100还包括:主体信用动态评估模块190。其中,主体信用动态评估模块190,利用监管模块获取的信息以及区块链基础设施上记录的交易主体的基本信息、财务报表及审计报告、违约记录和延期还款记录对整个系统的交易主体进行信用动态评估,并将评估后的结果记录到区块链,以向用户提供可靠的交易主体信用信息。Further, in an embodiment of the present invention, as shown in FIG. 1 , the system 100 of the embodiment of the present invention further includes: a subject credit dynamic evaluation module 190 . Among them, the subject credit dynamic evaluation module 190 uses the information obtained by the supervision module and the basic information of the transaction subject recorded on the blockchain infrastructure, financial statements and audit reports, default records and deferred repayment records to conduct a comprehensive evaluation of the transaction subjects in the entire system. Credit dynamic evaluation, and the evaluation results are recorded in the blockchain to provide users with reliable transaction subject credit information.

具体而言,主体信用动态评估模块190:该模块190主要利用监管模块获取的部分信息以及区块链基础设施上记录的参与者的基本信息、财务报表及审计报告、违约记录、延期还款记录以及其他评估有关资料等对整个系统的参与者进行信用动态评估,并将评估后的结果记录到区块链,以向用户提供可靠的参与者信用信息。并且,该模块190同样受到监管模块的监管。Specifically, subject credit dynamic evaluation module 190: This module 190 mainly uses part of the information obtained by the supervision module and the basic information of participants recorded on the blockchain infrastructure, financial statements and audit reports, default records, and deferred repayment records As well as other evaluation related materials, etc., the credit dynamic evaluation of the participants of the entire system is carried out, and the evaluation results are recorded in the blockchain to provide users with reliable participant credit information. And, the module 190 is also supervised by the supervision module.

下面将结合图1对智能服务交易系统100的工作流程进行介绍。The workflow of the smart service trading system 100 will be introduced below with reference to FIG. 1 .

交易主体(在实施例中为贷款提供方与贷款需求方)进入后,首先需要通过交易主客体信息验证模块110的信息验证,此后,其在交易主体需求发布模块120完成需求发布;120中的需求进入智能服务交易筛选、推荐与匹配模块130,该模块130完成交易主体(在实施例中体现为贷款提供方与贷款需求方)的需求的相互匹配;匹配完成后,匹配成功的交易主体进入交易协商模块140,该模块140用于进一步对双方的资料进行审核以及具体交易合约参数的确定,其中,审核过程主要利用了面向群体智能服务的区块链基础设施170 中所记录的信息;审核通过后,交易主体双方进入智能合约签订模块150,完成智能合约的构建;构建完成后,智能合约签订模块150输出的智能合约进入智能合约部署与演化模块160完成合约部署,该模块还负责智能合约的后续维护与演化;此外,监管模块180负责对整个过程中各方用户行为的监管,以保证各参与方的合法权益,主体信用动态评估模块190负责对整个系统中的参与方进行动态评估,为用户提供可靠、动态的参与者信用信息,以满足参与者对不同交易对象的期望。After the transaction subject (in the embodiment, the loan provider and the loan demander) enters, it first needs to pass the information verification of the transaction subject and object information verification module 110, and thereafter, it completes the demand release in the transaction subject demand release module 120; in 120 The demand enters the smart service transaction screening, recommendation and matching module 130, which completes the mutual matching of the needs of the transaction subject (embodied as the loan provider and the loan demander in the embodiment); after the matching is completed, the successfully matched transaction subject enters Transaction negotiation module 140, which is used to further review the information of both parties and determine the specific transaction contract parameters, wherein the review process mainly utilizes the information recorded in the block chain infrastructure 170 oriented to group intelligence services; After passing, both parties of the transaction subject enter the smart contract signing module 150 to complete the construction of the smart contract; after the construction is completed, the smart contract output by the smart contract signing module 150 enters the smart contract deployment and evolution module 160 to complete the contract deployment In addition, the monitoring module 180 is responsible for monitoring the user behavior of all parties in the whole process to ensure the legitimate rights and interests of each participant. The subject credit dynamic evaluation module 190 is responsible for dynamic evaluation of the participants in the entire system. Provide users with reliable and dynamic participant credit information to meet participants' expectations for different transaction objects.

下面将结合图9对智能服务交易系统100进行举例说明,图9为根据本发明金融服务中的中小微企业贷款服务实施例中的智能合约匹配、构造与发布方法的实施流程图。The smart service transaction system 100 will be illustrated below with reference to FIG. 9 . FIG. 9 is an implementation flowchart of the smart contract matching, construction and publishing method in the embodiment of loan service for small, medium and micro enterprises in financial services according to the present invention.

如图9所示,该智能合约的匹配、构造与发布方法包括金融机构1和贷款用户2,金融机构1和贷款用户2都与推荐系统3相连接,推荐系统3与智能合约构建平台4相连接,智能合约构建平台产生智能合约5,智能合约5部署于区块链6,金融机构1和贷款用户2 均在区块链上设立账户,评估机构7与区块链6、金融机构1和贷款机构2相连接。As shown in Figure 9, the method of matching, constructing and publishing the smart contract includes a financial institution 1 and a loan user 2, both of which are connected to the recommendation system 3, and the recommendation system 3 is connected to the smart contract construction platform 4. Connection, smart contract construction platform generates smart contract 5, smart contract 5 is deployed on blockchain 6, financial institution 1 and loan user 2 both set up accounts on the blockchain, evaluation agency 7 and blockchain 6, financial institution 1 and Lending institution 2 is connected.

金融机构1包括贷款方案输入单元101、目标客户输入单元102、金融机构审核单元103、放贷信息发送单元104、金融机构账户信息存储单元105,贷款方案输入单元101、目标客户输入单元102和金融机构账户信息存储单元105与金融机构审核单元103输入端相连接,放贷信息发送单元104与金融机构审核单元103输出端相连接,推荐系统3与放贷信息发送单元104相连接,区块链6与金融机构账户信息存储单元105相连接。Financial institution 1 comprises loan program input unit 101, target customer input unit 102, financial institution review unit 103, lending information sending unit 104, financial institution account information storage unit 105, loan program input unit 101, target customer input unit 102 and financial institution The account information storage unit 105 is connected to the input end of the financial institution review unit 103, the lending information sending unit 104 is connected to the output end of the financial institution review unit 103, the recommendation system 3 is connected to the lending information sending unit 104, and the block chain 6 is connected to the financial institution review unit 103. The institution account information storage unit 105 is connected.

其中,图9中贷款方案输入单元101需要提供利率、年限、额度上下限、放款时间等信息,例如,利率:10%;年限:3年;额度上下限:50-1000万;放款时间:9-15工作日等。目标客户输入单元102需要提供企业类型、企业规模、企业信用等级、有无房产抵押、经营年限等信息,例如企业类型:互联网公司;企业规模:中型企业;企业信用等级:A 级;有无房产抵押:有;经营年限:至少2年等。Among them, the loan scheme input unit 101 in Fig. 9 needs to provide information such as interest rate, year limit, upper and lower limit of amount, loan time, for example, interest rate: 10%; -15 working days etc. The target customer input unit 102 needs to provide information such as enterprise type, enterprise scale, enterprise credit rating, whether there is a real estate mortgage, and the number of years of operation, such as enterprise type: Internet company; enterprise scale: medium-sized enterprise; enterprise credit rating: A grade; whether there is real estate Mortgage: yes; business period: at least 2 years, etc.

进一步地,贷款用户2包括贷款意愿输入单元201、贷款用户审核单元202、借款信息发送单元203、贷款用户账户信息存储单元204,贷款意愿输入单元201和贷款用户账户信息存储单元204与贷款用户审核单元202输入端相连接,借贷信息发送单元203与贷款用户审核单元202输出端相连接,推荐系统3与借贷信息发送单元203相连接,区块链6与贷款用户账户信息存储单元204相连接。Further, the loan user 2 includes a loan willingness input unit 201, a loan user review unit 202, a borrowing information sending unit 203, a loan user account information storage unit 204, and the loan willingness input unit 201 and the loan user account information storage unit 204 are audited with the loan user. The input of the unit 202 is connected, the loan information sending unit 203 is connected to the output of the loan user review unit 202, the recommendation system 3 is connected to the loan information sending unit 203, and the block chain 6 is connected to the loan user account information storage unit 204.

其中,图9中贷款意愿输入单元201需要提供利率、年限、金额、期望放款时间、机构信用等级等信息,例如,利率:8%;年限:5年;金额:200万;期望放款时间:7个工作日;机构信用等级:A级等。金融机构账户信息存储单元105包括了地址、经营时间、机构信任等级、企业规模等信息,例如,地址:北京市海淀区XX金融机构;经营时间:5 年;机构信任等级:A级;企业规模:大型企业等。贷款用户账户信息存储单元204包括了地址、经营时间、企业信任等级、企业规模、抵押物等信息,例如,地址:北京市海淀区XX企业;经营时间:3年;企业信任等级:A级;企业规模:中型企业;抵押物:北京市朝阳区XX小区3栋5单元201商品房房产等。Among them, the loan intention input unit 201 in Figure 9 needs to provide information such as interest rate, period, amount, expected loan time, institution credit rating, for example, interest rate: 8%; year: 5 years; amount: 2 million; expected loan time: 7 working days; institutional credit rating: A grade, etc. The financial institution account information storage unit 105 includes information such as address, operating time, institution trust level, enterprise scale, etc., for example, address: XX financial institution, Haidian District, Beijing; operating time: 5 years; institution trust level: Class A; enterprise scale : Large enterprises, etc. Loan user account information storage unit 204 includes information such as address, operating time, enterprise trust level, enterprise scale, collateral, etc., for example, address: XX enterprise in Haidian District, Beijing; operating time: 3 years; enterprise trust level: A grade; Enterprise scale: medium-sized enterprise; collateral: commercial housing real estate in Unit 201, Building 3, XX Community, Chaoyang District, Beijing, etc.

本发明实施例的智能合约构造与发布方法,具体步骤如下:The specific steps of the smart contract construction and release method in the embodiment of the present invention are as follows:

贷款服务信任等级确定:评估机构7实时获取区块链上金融机构1的营业执照、近三年财务报表及审计报告、统计报表、董事会记录、违约记录、放款记录等信息进行评估,并动态更新金融机构账户信息存储单元105上的评估数据、信任等级。Determination of loan service trust level: The evaluation agency 7 obtains the business license of the financial institution 1 on the blockchain in real time, the financial statements and audit reports of the past three years, statistical statements, board records, default records, loan records and other information for evaluation, and dynamically updates them Evaluation data and trust levels on the financial institution account information storage unit 105.

评估机构7实时获取区块链上贷款用户2的营业执照、近三年财务报表及审计报告、近三年工作总结、远景规划、近三年统计报表、董事会记录、违约记录、延期还款记录以及其他评估有关资料等进行评估,并动态更新贷款用户账户信息存储单元204上的评估数据、信任等级。The evaluation agency 7 obtains the business license of the loan user 2 on the blockchain in real time, the financial statements and audit reports of the past three years, the work summary of the past three years, the long-term plan, the statistical reports of the past three years, the records of the board of directors, the records of default, and the records of deferred repayment and other evaluation-related materials, etc., and dynamically update the evaluation data and trust level on the loan user account information storage unit 204.

贷款服务内容发布:金融机构1在贷款方案输入单元101和目标客户输入单元102中确认自己的贷款方案以及对目标用户的要求,贷款用户2在贷款意愿输入单元201中确认自己的贷款意愿。交易双方分别利用各自的审核单元103/202,将已确认的需求信息与分别存储在账户信息存储单元105/204中的账户信息绑定,再将其分别发送给各自的信息发送单元104/203,再由信息发送单元104/203发送给推荐系统3。Publishing of loan service content: Financial institution 1 confirms its own loan plan and requirements for target users in loan plan input unit 101 and target customer input unit 102 , and loan user 2 confirms his loan willingness in loan willingness input unit 201 . Both parties to the transaction use their respective auditing units 103/202 to bind the confirmed demand information with the account information respectively stored in the account information storage unit 105/204, and then send them to their respective information sending units 104/203 , and then sent to the recommendation system 3 by the information sending unit 104/203.

贷款服务匹配:在接收到放贷信息发送单元104或借贷信息发送单元203的需求信息后,推荐系统3通过匹配算法对放/借贷信息进行需求匹配,金融机构1以及贷款用户2通过推荐系统进行进一步协商之后确定各自的放/借贷需求的实际属性以及协议内容,推荐系统3将成功匹配的交易双方和协议内容发送给智能合约构建平台。Loan service matching: After receiving the demand information from the lending information sending unit 104 or the lending information sending unit 203, the recommendation system 3 performs demand matching on the lending/loan information through a matching algorithm, and the financial institution 1 and the loan user 2 conduct further matching through the recommendation system. After the negotiation, the actual attributes and agreement content of their respective lending/borrowing needs are determined, and the recommendation system 3 sends the successfully matched transaction parties and agreement content to the smart contract construction platform.

贷款服务智能合约构建:在接收到推荐系统3发送的信息后,智能合约构建平台4通过上述贷款服务发布过程中确定的智能合约必要参数构建相应的智能合约5。所构建的智能合约通过安全性检测以及交易双方的确认后,将被发送给区块链6。Loan service smart contract construction: After receiving the information sent by the recommendation system 3, the smart contract construction platform 4 constructs the corresponding smart contract 5 through the necessary parameters of the smart contract determined in the above loan service publishing process. The constructed smart contract will be sent to the blockchain6 after passing the security inspection and the confirmation of both parties to the transaction.

贷款服务信息上传区块链:在接收到智能合约5后,区块链6将此次贷款信息进行上链,并在区块链6上完成智能合约5的执行。Loan service information is uploaded to the blockchain: After receiving the smart contract 5, the blockchain 6 uploads the loan information and completes the execution of the smart contract 5 on the blockchain 6.

智能合约演化与维护:在智能合约5部署于区块链6之后,在交易双方协商一致的情况下,利用区块链基础设施中提供的接口,实施智能合约的演化与维护(包括合约的更新、撤销等操作)。Smart contract evolution and maintenance: After the smart contract 5 is deployed on the blockchain 6, under the condition of consensus between the transaction parties, use the interface provided in the blockchain infrastructure to implement the evolution and maintenance of the smart contract (including contract update , undo, etc.).

根据本发明实施例提出的智能服务交易系统,可以将基于区块链和智能合约技术的智能服务系统中所需的各种执行模块进行解耦,有利于智能服务系统的统筹维护和安全分析,有利于系统开发者针对特定的执行模块进行性能优化以及安全强化。According to the intelligent service transaction system proposed by the embodiment of the present invention, various execution modules required in the intelligent service system based on blockchain and smart contract technology can be decoupled, which is beneficial to the overall maintenance and security analysis of the intelligent service system. It is beneficial for system developers to perform performance optimization and security enhancement for specific execution modules.

此外,术语“第一”、“第二”仅用于描述目的,而不能理解为指示或暗示相对重要性或者隐含指明所指示的技术特征的数量。由此,限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。在本发明的描述中,“多个”的含义是至少两个,例如两个,三个等,除非另有明确具体的限定。In addition, the terms "first" and "second" are used for descriptive purposes only, and cannot be interpreted as indicating or implying relative importance or implicitly specifying the quantity of indicated technical features. Thus, the features defined as "first" and "second" may explicitly or implicitly include at least one of these features. In the description of the present invention, "plurality" means at least two, such as two, three, etc., unless otherwise specifically defined.

在本发明中,除非另有明确的规定和限定,第一特征在第二特征“上”或“下”可以是第一和第二特征直接接触,或第一和第二特征通过中间媒介间接接触。而且,第一特征在第二特征“之上”、“上方”和“上面”可是第一特征在第二特征正上方或斜上方,或仅仅表示第一特征水平高度高于第二特征。第一特征在第二特征“之下”、“下方”和“下面”可以是第一特征在第二特征正下方或斜下方,或仅仅表示第一特征水平高度小于第二特征。In the present invention, unless otherwise clearly specified and limited, the first feature may be in direct contact with the first feature or the first and second feature may be in direct contact with the second feature through an intermediary. touch. Moreover, "above", "above" and "above" the first feature on the second feature may mean that the first feature is directly above or obliquely above the second feature, or simply means that the first feature is higher in level than the second feature. "Below", "beneath" and "beneath" the first feature may mean that the first feature is directly below or obliquely below the second feature, or simply means that the first feature is less horizontally than the second feature.

在本说明书的描述中,参考术语“一个实施例”、“一些实施例”、“示例”、“具体示例”、或“一些示例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或者特点包含于本发明的至少一个实施例或示例中。在本说明书中,对上述术语的示意性表述不必须针对的是相同的实施例或示例。而且,描述的具体特征、结构、材料或者特点可以在任一个或多个实施例或示例中以合适的方式结合。此外,在不相互矛盾的情况下,本领域的技术人员可以将本说明书中描述的不同实施例或示例以及不同实施例或示例的特征进行结合和组合。In the description of this specification, descriptions with reference to the terms "one embodiment", "some embodiments", "example", "specific examples", or "some examples" mean that specific features described in connection with the embodiment or example , structure, material or characteristic is included in at least one embodiment or example of the present invention. In this specification, the schematic representations of the above terms are not necessarily directed to the same embodiment or example. Furthermore, the described specific features, structures, materials or characteristics may be combined in any suitable manner in any one or more embodiments or examples. In addition, those skilled in the art can combine and combine different embodiments or examples and features of different embodiments or examples described in this specification without conflicting with each other.

尽管上面已经示出和描述了本发明的实施例,可以理解的是,上述实施例是示例性的,不能理解为对本发明的限制,本领域的普通技术人员在本发明的范围内可以对上述实施例进行变化、修改、替换和变型。Although the embodiments of the present invention have been shown and described above, it can be understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and those skilled in the art can make the above-mentioned The embodiments are subject to changes, modifications, substitutions and variations.

Claims (10)

1. a kind of intelligent Service transaction system characterized by comprising
Transaction Subjective and Objective information authentication module, for verifying transaction agent identity information and transaction object content information;
Transaction agent demand release module issues the demand of the transaction agent after being verified;
Intelligent Service transaction screening recommends and matching module, for the demand match trading both sides according to the transaction agent;
Transaction negotiation module, for auditing the both parties' according to the corresponding transaction object content information of the both parties The determination of data information and further parameter transaction;
Intelligent contract signs module, for passing through in audit and after parameter transaction confirmation, completes the building of intelligent contract, wherein The intelligence contract is deployed on block chain;And
The deployment of intelligent contract and genetic module, for after the completion of building, complete the deployment of the intelligent contract, follow-up maintenance with Develop.
2. system according to claim 1, which is characterized in that further include:
Block chain infrastructure module, transaction agent identity and object content, registration user information, verifying transaction are believed for identification Breath executes transaction and record transaction results.
3. system according to claim 2, which is characterized in that the block chain infrastructure module specifically includes:
Client layer, the client layer include demand publication, data verification, information record, contract customization and contract administration;
Management level, the management level include access-in management, node administration, exception management and contract administration;
Core layer, the core layer include common recognition mechanism, account book record, timing service, bond service, fragment mechanism, signer Case and hash function;
Basal layer, the basal layer include storage scheme, peer-to-peer network and contract execution mechanism.
4. system according to claim 2, which is characterized in that transaction Subjective and Objective information authentication module include:
Transaction agent authentication platform, the content for being provided according to the block chain infrastructure module lead the transaction Body carries out authentication;
Transaction object content verification platform, for verifying transaction object content information.
5. system according to claim 1, which is characterized in that the transaction agent demand release module includes multiple publications Interface and demand display platform.
6. system according to claim 1, which is characterized in that the intelligence contract signs module and includes:
Intelligent contract construction platform, the intelligence contract construction platform provide multiple transaction options and input interface, are used for basis The demand of the both parties generates the intelligent contract;
Contract safety examination facility, for carrying out safety examination to the intelligent contract;
Contract, which is delivered, checks and accepts platform, for after the intelligent contract is by safety examination, the intelligent contract to be visualized It has been shown that, so that the both parties carry out visualization verifying to the intelligent contract.
7. system according to claim 1, which is characterized in that the intelligence contract deployment is also used to genetic module full The content of the adjustment intelligent contract is updated when sufficient preset condition or terminates and cancel the intelligent contract in advance.
8. system according to claim 1, which is characterized in that further include:
Administration module, for supervising the transaction Subjective and Objective information authentication module, the transaction agent demand release module, described Intelligent Service transaction screening, recommendation and matching module and the transaction negotiation module, to supervise the transaction of both parties' method State and trading activity.
9. system according to claim 8, which is characterized in that further include:
Main body credit dynamic evaluation module is recorded in the information and block chain infrastructure obtained using the administration module Transaction of essential information, financial statement and the Audit Report, promise breaking record and extension refund record of transaction agent to whole system Main body carries out credit dynamic evaluation, and block chain is recorded in the result after assessment, to provide a user reliable transaction agent Credit information.
10. system according to claim 9, which is characterized in that administration module is also used to supervise the main body credit dynamic Evaluation module.
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