CN111898886A - Collective asset clearing and checking system - Google Patents
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Abstract
The invention provides a collective asset clearing and funding system, which comprises a supervision device, a database, a data storage, a server and a processing device, wherein the supervision device is constructed to supervise the checking operation in the database; the data store is configured to verify transaction data stored in the store; the database is used for accessing data links for communication among a plurality of clients and accessing the transaction data based on the supervision device; the processing device is configured to verify the stored transaction data, to liquidate and to validate transaction information via the server's response to the server. The invention adopts all the transaction information to be stored in the data memory, and calls or checks the order on the data memory in the process of verifying each transaction, thereby ensuring the safe operation of the transaction.
Description
Technical Field
The invention relates to the technical field of property accounting, in particular to a collective asset clearing and funding system.
Background
The existing collective economic data is acquired manually, cannot be dynamically linked with an industrial chain scene in real time, and has the defects of low information updating frequency, long decision-making chain, low efficiency, high cost and the like.
For example, CN111080425A prior art discloses a system and method for checking property rights and interests of receivable accounts, which cannot realize automatic downloading of registration certificate files and datamation of standard format data through a system interface, resulting in very slow data processing and extremely low efficiency, and meanwhile, because of large data processing amount, the required manpower resources are increased, resulting in increased cost; when the data are compared, the data are completely matched and compared manually, the efficiency is extremely low, meanwhile, manual operation is easy to make mistakes, and the risk is increased and the efficiency is reduced. Another typical prior art discloses an internet of things annular intelligent financial service system and method as in WO2017096701a1, and a statistical method and stock system for stock technical data according to sales conditions as in WO2017124566a1, the collective economic data is obtained manually, cannot be dynamically linked with an industrial chain scene in real time, is slow in information updating frequency, long in decision chain, low in efficiency and high in cost, and cannot control industrial chain financial risks.
The method and the device are used for solving the problems that the information updating frequency is slow, the decision-making chain is long, the efficiency is low, the cost is high, the data processing capacity is large, the artificial resources are increased, the real-time dynamic connection with an industrial chain scene cannot be realized and the like generally existing in the field.
Disclosure of Invention
The invention aims to provide a collective asset clearing and funding system aiming at the defects of the current collective economic check assets.
In order to overcome the defects of the prior art, the invention adopts the following technical scheme:
a collective asset clearing and funding system comprising a supervision means, a database, a data storage, a server and a processing means, the supervision means being configured to supervise checking operations in the database; the data store is configured to verify transaction data stored in the store; the database is used for accessing data links for communication among a plurality of clients and accessing the transaction data based on the supervision device; the processing device is configured to verify the stored transaction data, to liquidate and to validate transaction information via the server's response to the server.
Optionally, the processing device comprises a transaction tool, a verification tool, a cloud platform and a processor, wherein the cloud platform is configured to receive a registration request from the transaction tool; and in response to receiving the registration request, verifying the transaction information for the customer;
the cloud platform is configured as a central transaction system and a centralized transaction system; the transaction information includes: information identifying a designated funding account accessible to the central transaction system; in response to verifying the transaction information, completing registration of the customer and storing the verified information in a customer record maintained or accessed by the centralized transaction system;
the transaction instrument is configured to receive a trade order by a registered customer or other authorized party for a financial instrument operating on behalf of a customer;
the verification tool is configured to verify a buy or sell order, wherein for a buy order, the verifying step comprises evaluating a designated funds account to determine if there are sufficient funds to complete the transaction, and wherein for a sell order, the verifying step comprises evaluating an inventory account to ensure that the customer has sufficient inventory to complete the transaction;
the verification tool is further configured to determine whether another registered customer has placed a matching order in response to confirming the buy or sell order; in response to determining a matching order, immediately executing the trade, and wherein the step of executing the trade comprises: the centralized transaction system updates and settles the transaction immediately; withdrawing funds corresponding to the transaction amount from the designated funds account using the instant funds transfer process; and updates the customer's inventory records to reflect the transactions that have been performed.
Optionally, the transaction information for the customer further includes identification information, which can be used to verify the customer's identification to meet regulatory requirements for the jurisdiction in which the centralized transaction system operates; the customer's transaction information also includes inventory information that may be used to access an account for storing inventory of financial instruments.
Optionally, the database is configured to verify data stored in the data storage, and delete repeated data to generate a new data list; the data list comprises a database retrieval list and a database master table, and the database master table comprises a master identifier of each identified data block; for each data chunk identified in the primary table, generating a first value based on a primary identification of the identified data chunk; for each data block identified in the primary table, generating a second value in accordance with the primary identification of the identified data block.
Optionally, the supervising means comprises an authorization engine, a token configuration engine and a token operation engine, the authorization engine being configured to perform data interaction with a third party service provider and with the third party service provider; the token configuration engine is configured to perform processes associated with generating, programming, and deploying access objects or tokens and for the purposes of identifying, verifying, and accessing authorized collective financial economic data for the third party service provider; the token operation engine is configured to perform processes associated with identifying and verifying third party tokens and to determine collective economic data authorized for third party access carrying tokens.
Optionally, the token configuration engine is configured to configure the token, and information contained in the token cannot be downloaded by any user, and the configured token security credentials are configured as a biometric or other physical feature provided by a plurality of banking systems or third party service providers to access authorized data or access rights.
The beneficial effects obtained by the invention are as follows:
1. all transaction information is stored in the data memory, and in the process of verifying each transaction, the operation of calling an order on the data memory or checking data is required to be carried out, so that the safety of the transaction is ensured;
2. the database is used for accessing the data link for communication among the clients, the supervision device is used for supervising the transaction data to ensure that the system or the data storage, the database and the data link are not implanted with viruses and other operations in the access process, even if the viruses are implanted in the access process, the supervision device can immediately act and shield the viruses, and the token is replaced or updated based on the authorization engine and the token configuration engine, so that the security protection capability of the whole system is improved;
3. by adopting the centralized trading system to execute the validity check of the orders in progress, the collective economy is ensured not to be interfered or threatened in the using process, so that the collective benefit is not lost;
4. allowing access to the data by the token operation engine without allowing a digital copy of the data itself to provide security and prevent unauthorized distribution of sensitive financial information, ensuring a high degree of security of said financial data and access data;
5. by adopting the query of the data of the external third-party service provider, the checking precision is improved, the defects of low information updating frequency, low efficiency, high cost and large data processing capacity are overcome, and the real-time dynamic data connection of the whole system is improved.
Drawings
The invention will be further understood from the following description in conjunction with the accompanying drawings. The components in the figures are not necessarily to scale, emphasis instead being placed upon illustrating the principles of the embodiments. Like reference numerals designate corresponding parts throughout the different views.
Fig. 1 is a schematic view of the present invention.
Fig. 2 is a control flow diagram of the processing apparatus.
Fig. 3 is a schematic diagram of a control flow for deleting the duplicate transaction information in the database.
Fig. 4 is a control flow diagram of the monitoring device.
FIG. 5 is a control flow diagram illustrating verification of transaction data.
Detailed Description
In order to make the objects and advantages of the present invention more apparent, the present invention will be further described in detail with reference to the following embodiments; it should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. Other systems, methods, and/or features of the present embodiments will become apparent to those skilled in the art upon review of the following detailed description. It is intended that all such additional systems, methods, features and advantages be included within this description, be within the scope of the invention, and be protected by the accompanying claims. Additional features of the disclosed embodiments are described in, and will be apparent from, the detailed description that follows.
The same or similar reference numerals in the drawings of the embodiments of the present invention correspond to the same or similar components; in the description of the present invention, it should be understood that if there is an orientation or positional relationship indicated by the terms "upper" and "lower" and "left" and "right" etc., it is only for convenience of description and simplification of the description based on the orientation or positional relationship shown in the drawings, but it is not indicated or implied that the device or assembly referred to must have a specific orientation.
The first embodiment is as follows: a collective asset clearing and funding system comprising a supervision means, a database, a data storage, a server and a processing means, the supervision means being configured to supervise checking operations in the database; the data store is configured to verify transaction data stored in the store; the database is used for accessing data links for communication among a plurality of clients and accessing the transaction data based on the supervision device; the processing device is configured to verify the stored transaction data, liquidate and verify transaction information through the response of the server and the server; the processing device comprises a transaction tool, a verification tool, a cloud platform and a processor, wherein the cloud platform is configured to receive a registration request from the transaction tool; and in response to receiving the registration request, verifying the transaction information for the customer; the cloud platform is configured as a central transaction system and a centralized transaction system; the transaction information includes: information identifying a designated funding account accessible to the central transaction system; in response to verifying the transaction information, completing registration of the customer and storing the verified information in a customer record maintained or accessed by the centralized transaction system; the transaction instrument is configured to receive a trade order by a registered customer or other authorized party for a financial instrument operating on behalf of a customer; the verification tool is configured to verify a buy or sell order, wherein for a buy order, the verifying step comprises evaluating a designated funds account to determine if there are sufficient funds to complete the transaction, and wherein for a sell order, the verifying step comprises evaluating an inventory account to ensure that the customer has sufficient inventory to complete the transaction; the verification tool is further configured to determine whether another registered customer has placed a matching order in response to confirming the buy or sell order; in response to determining a matching order, immediately executing the trade, and wherein the step of executing the trade comprises: the centralized transaction system updates and settles the transaction immediately; withdrawing funds corresponding to the transaction amount from the designated funds account using the instant funds transfer process; and updating the customer's inventory records to reflect the transactions that have been performed; the transaction information for the customer further includes identification information usable to verify the customer's identification to meet regulatory requirements for the jurisdiction in which the centralized transaction system operates; the customer's transaction information further includes inventory information usable to access an account for storing an inventory of financial instruments; the database is configured to verify data stored in the data store and delete duplicate data to generate a new data list; the data list comprises a database retrieval list and a database master table, and the database master table comprises a master identifier of each identified data block; for each data chunk identified in the primary table, generating a first value based on a primary identification of the identified data chunk; for each data block identified in the primary table, generating a second value according to the primary identification of the identified data block; the supervising means comprises an authorisation engine, a token configuration engine and a token operation engine, the authorisation engine being configured to perform data interactions with a third party service provider and with a third party service provider; the token configuration engine is configured to perform processes associated with generating, programming, and deploying access objects or tokens and for the purposes of identifying, verifying, and accessing authorized collective financial economic data for the third party service provider; the token operation engine is configured to perform processes related to identifying and verifying third party tokens and to determine collective economic data authorized for third party access carrying tokens; the token configuration engine is configured to configure a token and information contained in the token cannot be downloaded by any user, and the configured token security credentials are configured as a biometric or other physical feature provided by a plurality of banking systems or third party service providers to access authorized data or rights of access.
Example two: the present embodiment should be understood to include at least all the features of any one of the preceding embodiments and to further develop them, in particular to provide a collective inventory underwriting system comprising supervising means, a database, a data storage, a server and processing means, said supervising means being configured to supervise checking operations in said database; the data store is configured to verify transaction data stored in the store; the database is used for accessing data links for communication among a plurality of clients and accessing the transaction data based on the supervision device; the processing device is configured to verify the stored transaction data, liquidate and verify transaction information through the response of the server and the server; specifically, the data connection between the supervision device and the database plays a role in protecting and supervising the checking and verifying capital of the whole system, and also ensures that the supervision device sets and protects the rule of the whole system according to legal regulations; in the embodiment, by checking and protecting the capital of the collective economy, when the whole system deals with a significant project or order, the order can be placed according to the budget or the decision of multiple persons, and the whole transaction information is checked and verified again based on the owned capital; in the embodiment, the whole system is also configured to perform a large amount of verification on the information of the transaction, so as to ensure the safe performance of the transaction; in this embodiment, there is provided a method for performing transaction verification, the method comprising: the centralized transaction system updates and settles the transaction instantly; and withdrawing funds corresponding to the transaction amount from the designated funds account using the instant funds transfer process; and updating the inventory records of both customers to reflect the transactions that have been performed; in this embodiment, the transaction information for the customer further includes identification information, which can be used to verify the identification of the customer, so as to meet the requirement that the centralized transaction system performs efficiently under the supervision requirement; in this embodiment, all transaction information is stored in the data storage, and in the process of verifying each transaction, an operation of calling an order on the data storage or checking data is also performed; the calling or checking process comprises the following steps: the database is used for accessing data links for communication among a plurality of clients, the supervision device supervises the transaction data to ensure that the system or the data storage, the database and the data links are not implanted with viruses and other operations in the access process, even if the viruses are implanted in the access process, the supervision device immediately acts and shields the viruses, and the token of the access is replaced or updated based on the authorization engine and the token configuration engine; in this embodiment, the monitoring device is used to provide protection for the whole system, prevent a lawless person from damaging the system, and ensure the security of the data stored in the system; in an embodiment, during the process of accessing the link related to the database by the client, the supervision device supervises the link of the whole system to ensure the safety of data transportation and transmission;
the processing device comprises a transaction tool, a verification tool, a cloud platform and a processor, wherein the cloud platform is configured to receive a registration request from the transaction tool; and in response to receiving the registration request, verifying the transaction information for the customer; the cloud platform is configured as a central transaction system and a centralized transaction system; the transaction information includes: information identifying a designated funding account accessible to the central transaction system; in response to verifying the transaction information, completing registration of the customer and storing the verified information in a customer record maintained or accessed by the centralized transaction system; the transaction instrument is configured to receive a trade order by a registered customer or other authorized party for a financial instrument operating on behalf of a customer; the verification tool is configured to verify a buy or sell order, wherein for a buy order, the verifying step comprises evaluating a designated funds account to determine if there are sufficient funds to complete the transaction, and wherein for a sell order, the verifying step comprises evaluating an inventory account to ensure that the customer has sufficient inventory to complete the transaction; the verification tool is further configured to determine whether another registered customer has placed a matching order in response to confirming the buy or sell order; in response to determining a matching order, immediately executing the trade, and wherein the step of executing the trade comprises: the centralized transaction system updates and settles the transaction immediately; withdrawing funds corresponding to the transaction amount from the designated funds account using the instant funds transfer process; and updating the customer's inventory records to reflect the transactions that have been performed; specifically, in this embodiment, a method for instant settlement is provided, where the method includes: s1: a corresponding registration request; s2: receiving a customer order; s3: verifying the matched order; s4: buying a bill and verifying information such as capital of a purchaser; in particular, a registration request is received from a customer who wishes to trade a financial instrument or other instrument of value in the following manner: verifying transaction information for the customer in response to receiving the registration request at a future time, the transaction information including information identifying a designated funding account accessible by the centralized transaction system; in response to verifying the transaction information, completing registration of the customer and maintaining a customer record storing the verification information; in particular, the centralized transaction system evaluates customer records to determine a designated transaction account that is then automatically queried to establish that sufficient funds are available to conduct a transaction; if the transaction account is not sufficiently funded, the order will be immediately rejected; otherwise, the purchase order will be validated; the operation of automatic query includes techniques known by those skilled in the art, or those skilled in the art query a relevant manual to know the query means, and thus in this embodiment, the automatic query mode is not described in detail;
after registration, receiving a trade order from a registered client or an authorized party for carrying out financial tool transaction on behalf of the client; determining whether another registered customer placed a matching order; validating the matching order, wherein for a purchase order the validating step includes evaluating a designated funds account to confirm that sufficient funds or other tradable stock is available to complete the transaction, wherein for a sale order the validating step includes evaluating an inventory account to ensure that the customer has sufficient inventory to complete the transaction; in response to confirming the order, immediately executing the trade, and wherein the step of executing the trade comprises: the centralized transaction system updates and settles the transaction instantly; immediately drawing funds or tradable stocks corresponding to the trading amount from the designated funds account of the purchasing customer; updating the inventory records of both customers to reflect the transactions that have been performed;
in this embodiment, the whole system includes data of a third-party service provider, and the supervision device needs to be supervised and protected in the process of connecting with the third-party service provider; in addition, the transactions are sequentially registered in the data repository, and the transaction details are transmitted to the relevant regulatory authorities; the centralized transaction system comprises an electronic transaction platform; more specifically, in this implementation, the cloud platform is implemented by a web server hosting a web application accessible by the user computing device for client registration; the web application is further configured to implement an order execution module that executes and receives orders placed by registered customers; the network server is further configured to communicate with various remote third-party services, data storage, and regulatory agencies over a network; for meeting regulatory reporting requirements, validating and updating inventory records kept elsewhere, communicating with other stakeholders, etc.; the centralized trading system executes validity check of the orders in progress, and guarantees that collective economy is not interfered or threatened in the using process, so that the collective benefit is not lost;
the transaction information for the customer further includes identification information usable to verify the customer's identification to meet regulatory requirements for the jurisdiction in which the centralized transaction system operates; the customer's transaction information further includes inventory information usable to access an account for storing an inventory of financial instruments; specifically, the centralized transaction system registers executed transactions sequentially in a database or series of databases, and the transaction details are sent to the relevant regulatory agencies and other stakeholders; the database consists of any database agreed by the transaction partner; in this embodiment, the centralized transaction system communicates the complete data file to the database accessible by the regulatory agency, while the edited version is sent to the databases accessible by other stakeholders; likewise, a database includes any suitable data store or ledger; in this embodiment, the data file is sent to the supervised single transaction log at microsecond timing containing all asset price changes, and the transaction execution will be supervised; an initial transaction agreed upon by two registered customers settled on a centralized transaction system will have two or three cash flow types; first is any prepayment from one party to the other; then, the centralized transaction system will require the initial deposit of both parties of the transaction; in the event that either party breaches before the derivative contract expires, the initial deposit is simply a payment to the central counterparty, ensuring that each is not losing their benefits; in the process of carrying out trade or transaction on the outside by the collective economy, the inventory of the collective economy needs to be mastered, so that no default exists in the transaction process, and the condition of untrustworthy use is caused;
the database is configured to verify data stored in the data store and delete duplicate data to generate a new data list; the data list comprises a database retrieval list and a database master table, and the database master table comprises a master identifier of each identified data block; for each data chunk identified in the primary table, generating a first value based on a primary identification of the identified data chunk; for each data block identified in the primary table, generating a second value according to the primary identification of the identified data block; specifically, in this embodiment, the list stored in the database in the data list is subjected to deduplication or other forms of deletion; in this embodiment, the detection is performed through the database retrieval list, the database retrieval list is configured to identify the main identifier of the data block for the database main table, and when the identifiers of the main identifiers of the data blocks are consistent, it is determined that a certain transaction data in the data table is repeated, and the transaction information is deleted; generating the first value for a respective data block comprises: summing the primary identities of the data blocks associated with the respective data blocks; generating the second value for the respective data block includes: squaring a primary identification of the data block associated with the respective data block; and summing the squared original identifications; interference items in a data main table can be filtered through the cooperative use of the first value and the second value, and the difficulty of retrieval of the data main table is relieved;
in this embodiment, the whole system also queries data of an external third-party service provider, so that the checking precision is improved, the defects of slow information updating frequency, low efficiency, high cost and large data processing capacity are overcome, and the real-time dynamic data connection of the whole system is improved; meanwhile, in the process of data interaction of the third-party service provider, the supervision device is required to authorize the accessed data and links or verify the digital certificate; specifically, the supervising device comprises an authorization engine, a token configuration engine and a token operation engine, wherein the authorization engine is configured to perform data interaction with a third-party service provider and with the third-party service provider; the token configuration engine is configured to perform processes associated with generating, programming, and deploying access objects or tokens and for the purposes of identifying, verifying, and accessing authorized collective financial economic data for the third party service provider; the token operation engine is configured to perform processes related to identifying and verifying third party tokens and to determine collective economic data authorized for third party access carrying tokens; in particular, the token configuration engine is configured to configure a token, and information contained in the token cannot be downloaded by any user, and the configured token security credentials are configured as a biometric or other physical feature provided by a plurality of banking systems or third party service providers to access authorized data or access rights; in particular, the token configuration engine is configured to configure a token, and information contained in the token cannot be downloaded by any user, and the configured token security credentials are configured as a biometric or other physical feature provided by a plurality of banking systems or third party service providers to access authorized data or access rights; specifically, in this embodiment, the cloud platform receives, via the token operation engine, a request for a third party, such as a third party service provider, to access the visitor financial data; the token operation engine confirming that the third party is an authorized party and then requesting receipt and verification of the third party's previously configured digital certificate; the authorization engine reads or executes software instructions stored in the third party token to determine visitor financial data that the third party can access for any given visitor, and then provides authorized visitor data in response to the third party; in this embodiment, the token exchanges or passes certain authentication information from a third party service provider and the cloud platform; by creating a trust relationship, a third party service provider can access a plurality of limited access rights modules, data, libraries or other services in the cloud platform that are not accessible by a non-trusted third party; the cloud platform determines, via the authorization engine, a financial services account provider, such as: whether a third party is authorized and authenticated by a provider associated with the banking system;
the authorization engine makes the determination by sending a third party request to a banking system or other third party facilitator via a network or by other means; in this embodiment, the authorisation engine provides information to the banking system about the third party service provider seeking authorisation, including: identification information, information relating to a proposed third party service or application, information relating to the type of visitor financial data requested, etc.; if the financial service account provider does not authorize and authenticate the third party, the authorization engine denies the third party authorization request; conversely, if the banking system does indicate that the third party has been authorized and authenticated, the authorization engine proceeds and determines the particular visitor associated with the financial services account provider;
in this embodiment, the visitor is a corporate enterprise or manager of the financial services account provider, and the financial services account provider has previously configured a financial services account for the visitor; in this embodiment, the banking system may have acquired the financial data of the visitor by other means, so as to grasp the identity, information, and the like of the visitor, and if the information provided by the visitor is false or forged, the third-party service provider such as the banking system and the like will reject the access request; the cloud platform determines, via an authorization engine, whether each visitor authorizes and authenticates the third party, and the determination is made by the authorization engine by sending a third party request to the mobile device via the wireless carrier network or by other means; if the visitor does not authorize and authenticate the third party, the authorization engine denies the third party authorization request; conversely, if the visitor does indicate that the third party has been authorized and authenticated, such as through a mobile application or through an email message, the authorization engine proceeds to configure the access token, thereby allowing the third party access to the financial data; the cloud platform configuring digital certificates for authorized third parties via a token configuration engine and the purpose of the certificates is to identify third parties and provide enhanced security for visitor data;
initially configuring a digital certificate when a trusted business relationship between a cloud platform and a third-party service provider begins; the certificate and the identification information containing it are updated at any time after its initial configuration; by updating the certificate, the high security of the certificate is ensured, the security of the financial data is ensured, and meanwhile, the condition that the whole query platform is interfered by embezzlement or tampering of the certificate is prevented;
the cloud platform being capable of revoking digital certificates of any third party service providers, denying them access to any visitor financial data, financial institution data or other information and services hosted by the cloud platform; if the third-party service provider has an untrustworthy state, the cloud platform cancels the digital certificate at any time, and the safe and effective efficient transmission among data of the whole system is improved;
the token configuration engine is configured to communicate directly with the authorization engine to determine authorization data and access rights authorized by both the financial services account provider and the individual visitor; the token configuration engine determining authorized data and access rights from information stored in memory or a database; the token is structured to contain various categories or arrangements of visitor financial data or rights of access that the third party may potentially access, and an indication of whether the third party service provider is actually authorized to access the data; the token configuration engine implements a cryptographic protection scheme for the token that further includes configuring and implementing additional security issues to further restrict access, in embodiments the cloud platform generates terms of service or other similar security and usage agreements and requires validation of the terms of service by a third party service provider; the token is configured with one or more layers of required authorization and may require authentication by one or both of the cloud platform or a third party service provider to display or access the authorization data token contained therein; the token configuration engine configures the token so that the information contained in the token cannot be downloaded by any user;
in this embodiment, the configured token security credentials include a biometric or other physical characteristic provided by one or more of the banking system or third party service provider to access authorized data or rights of access; in this embodiment, the credentials include the physical device required for access, such as a key, dongle, card or other such device; the token configuration engine may also configure the token to run under hypertext transfer protocol security or other similar security protection over the network; the token operation engine verifies that the identification credential provided by the third party service provider is valid; the verification of the certificate is performed by any means known to a person of ordinary skill in the art; the processor reads the information contained in the certificate, compares it to identification information stored in memory or a database, and upon confirming that the provided information matches the stored information of the certificate, provides a notification to the third certificate; the third party service provider computer system proving that the certificate is valid; the token operation engine determines the visitor financial data or access rights granted to a third party for access to a given visitor; the token operation engine compares the authorization information stored in the token with the specific data and the access authority which the third party has requested to access; if the request exceeds the authorization level stored in the token, the token operations engine denies access to the unauthorized data or the right to access and provides an indication of such to the third party service provider; the token operation engine provides access to the data or the right to access if the requested data and the right to access are authorized based on the token information; in this embodiment, the token operation engine allows access only to the data, and not to the digital copy of the data itself, to provide security and prevent unauthorized distribution of sensitive financial information, ensuring a high degree of security of said financial data and access data; in this embodiment, it is also possible to access via remote, i.e.: providing access to the data based on read-only access of the cloud, and the visitor data is not sent to the third party service provider; the token operation engine providing access to the stored financial data or the right to access from within a memory or database via a link over a network or directly from a banking system via a network; any or all of the cloud platform, the banking system, or the visitor are configured by an authorization engine of a mobile device to revoke authorization and access of a third party service provider to a particular data or service, then the access request will be denied or denied; in this embodiment, the token configuration engine revokes or otherwise revokes the initially configured token, and if some level of more restricted access by the third party service provider is still authorized, the token configuration engine configures a new token based on the modified authorization and access conditions;
receiving, by the third party service provider, a request from the visitor to provide the mobile service; the request is received from a mobile device and includes a request or invitation for a third party service provider to perform or provide mobile services to a visitor using visitor financial data; in this embodiment, the request is associated with a mobile application associated with a plurality of visitors, financial service account providers or third party service providers; this authorization is effected in substantially the same manner as described in the authorization procedure above; in addition, third party service providers seek and secure authorization from visitors and banking systems through the cloud platform; the visitor authorizes the third party service provider as part of its initial request for mobile services; the third party service provider determining the visitor's financial data or the rights of access required to perform the requested mobile service; the third party service provider has a previously configured application to provide the requested mobile service and the application contains information about the required data or rights to access; after determining the visitor's financial data or rights of access necessary to perform the requested mobile service, the third party service provider requests and receives access to those data or rights of access via the cloud platform; in this embodiment, the cloud platform responds to the third party request by executing a token configuration process substantially similar to the above token configuration process through the token configuration engine; upon receiving the configured token from the cloud platform, the third party service provider provides the token to the cloud platform immediately or at a later time to access the required visitor financial data access rights; in this embodiment, the cloud platform responds to the third party by the token operation engine executing a token operation process substantially similar to the token operation process described above.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
In summary, in the collective asset clearing and funding system of the present invention, all transaction information is stored in the data storage, and during the process of verifying each transaction, the operation of calling the order or checking the data in the data storage is also performed, so as to ensure the safe execution of the transaction; the database is used for accessing the data link for communication among the clients, the supervision device is used for supervising the transaction data to ensure that the system or the data storage, the database and the data link are not implanted with viruses and other operations in the access process, even if the viruses are implanted in the access process, the supervision device can immediately act and shield the viruses, and the token is replaced or updated based on the authorization engine and the token configuration engine, so that the security protection capability of the whole system is improved; by adopting the centralized trading system to execute the validity check of the orders in progress, the collective economy is ensured not to be interfered or threatened in the using process, so that the collective benefit is not lost; allowing access to the data by the token operation engine without allowing a digital copy of the data itself to provide security and prevent unauthorized distribution of sensitive financial information, ensuring a high degree of security of said financial data and access data; by adopting the query of the data of the external third-party service provider, the checking precision is improved, the defects of low information updating frequency, low efficiency, high cost and large data processing capacity are overcome, and the real-time dynamic data connection of the whole system is improved.
Although the invention has been described above with reference to various embodiments, it should be understood that many changes and modifications may be made without departing from the scope of the invention. That is, the methods, systems, and devices discussed above are examples. Various configurations may omit, substitute, or add various procedures or components as appropriate. For example, in alternative configurations, the methods may be performed in an order different than that described, and/or various components may be added, omitted, and/or combined. Moreover, features described with respect to certain configurations may be combined in various other configurations, as different aspects and elements of the configurations may be combined in a similar manner. Further, elements therein may be updated as technology evolves, i.e., many elements are examples and do not limit the scope of the disclosure or claims.
Specific details are given in the description to provide a thorough understanding of the exemplary configurations including implementations. However, configurations may be practiced without these specific details, for example, well-known circuits, processes, algorithms, structures, and techniques have been shown without unnecessary detail in order to avoid obscuring the configurations. This description provides example configurations only, and does not limit the scope, applicability, or configuration of the claims. Rather, the foregoing description of the configurations will provide those skilled in the art with an enabling description for implementing the described techniques. Various changes may be made in the function and arrangement of elements without departing from the spirit or scope of the disclosure.
In conclusion, it is intended that the foregoing detailed description be regarded as illustrative rather than limiting, and that it be understood that these examples are illustrative only and are not intended to limit the scope of the invention. After reading the description of the invention, the skilled person can make various changes or modifications to the invention, and these equivalent changes and modifications also fall into the scope of the invention defined by the claims.
Claims (6)
1. A collective asset clearing and funding system comprising a supervising means, a database, a data storage, a server and a processing means, the supervising means being configured to supervise checking operations in the database; the data store is configured to verify transaction data stored in the store; the database is used for accessing data links for communication among a plurality of clients and accessing the transaction data based on the supervision device; the processing device is configured to verify the stored transaction data, to liquidate and to validate transaction information via the server's response to the server.
2. A collective inventory underwriting system as claimed in claim 1 wherein said processing means includes a transaction tool, a verification tool, a cloud platform, and a processor, said cloud platform being configured to receive a registration request from the transaction tool; and in response to receiving the registration request, verifying the transaction information for the customer;
the cloud platform is configured as a central transaction system and a centralized transaction system; the transaction information includes: information identifying a designated funding account accessible to the central transaction system; in response to verifying the transaction information, completing registration of the customer and storing the verified information in a customer record maintained or accessed by the centralized transaction system;
the transaction instrument is configured to receive a trade order by a registered customer or other authorized party for a financial instrument operating on behalf of a customer; the verification tool is configured to verify a buy or sell order, wherein for a buy order, the verifying step comprises evaluating a designated funds account to determine if there are sufficient funds to complete the transaction, and wherein for a sell order, the verifying step comprises evaluating an inventory account to ensure that the customer has sufficient inventory to complete the transaction;
the verification tool is further configured to determine whether another registered customer has placed a matching order in response to confirming the buy or sell order; in response to determining a matching order, immediately executing the trade, and wherein the step of executing the trade comprises: the centralized transaction system updates and settles the transaction immediately; withdrawing funds corresponding to the transaction amount from the designated funds account using the instant funds transfer process; and updates the customer's inventory records to reflect the transactions that have been performed.
3. A collective inventory underwriting system according to any one of the preceding claims, wherein the transaction information for said customers further includes identification information usable to verify the identification of said customers to meet regulatory requirements for the jurisdiction in which said centralized transaction system operates; the customer's transaction information also includes inventory information that may be used to access an account for storing inventory of financial instruments.
4. A collective inventory underwriting system according to any one of the preceding claims, wherein said database is structured to validate data stored in said data store and delete duplicate data to generate a new data list; the data list comprises a database retrieval list and a database master table, and the database master table comprises a master identifier of each identified data block; for each data chunk identified in the primary table, generating a first value based on a primary identification of the identified data chunk; for each data block identified in the primary table, generating a second value in accordance with the primary identification of the identified data block.
5. A collective inventory underwriting system as claimed in any one of the preceding claims, wherein said administration means includes an authorization engine, a token configuration engine and a token operation engine, said authorization engine being configured to perform data interaction with third party service providers and with third party service providers; the token configuration engine is configured to perform processes associated with generating, programming, and deploying access objects or tokens and for the purposes of identifying, verifying, and accessing authorized collective financial economic data for the third party service provider; the token operation engine is configured to perform processes associated with identifying and verifying third party tokens and to determine collective economic data authorized for third party access carrying tokens.
6. A collective inventory underwriting system as claimed in any one of the preceding claims, wherein the token configuration engine is configured to configure tokens and the information contained in the tokens cannot be downloaded by any user, and the configured token security credentials are configured as biometric or other physical features provided by a plurality of banking systems or third party service providers to access authorized data or access rights.
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