CN115222511A - Transaction information processing method, device, electronic device and storage medium - Google Patents

Abstract

The disclosure provides a transaction information processing method, a transaction information processing device, an electronic device and a storage medium. The method comprises the following steps: encrypting the transaction information and then sending the encrypted transaction information to alliance chain equipment; receiving a deposit result sent by alliance chain equipment; and encrypting the mortgage material and then sending the mortgage material to the alliance chain equipment, and sending the mortgage material to the credit platform equipment. The method is beneficial to ensuring the mutual trust mechanism of the automobile financial ecological circle and solving the problem of clearing and separating information and funds.

Description

Transaction information processing method, device, electronic device and storage medium

technical field

Embodiments of the present disclosure relate to the technical field of information processing, and in particular, to a transaction information processing method, apparatus, electronic device, and storage medium.

Background technique

With the rapid development of auto finance business, many credit platforms generally have a business model of auto dealer sales + credit platform lending + auto OEM reconciliation. According to relevant regulations, the unlicensed operation of payment business will be rectified, including stipulating that unlicensed institutions cannot touch funds (fund "clearing"), and cannot process transaction information (information "clearing"). The core criterion for the central bank's judgment is whether unlicensed institutions (car dealers, auto OEMs) have the authority to process customer funds in the financial business process. The main technical solutions at this stage are as follows:

Option 1: Account system solution. Some banks or non-banking institutions build internal account systems for auto dealers and auto OEMs. Funds do not go through transactions between auto dealers and auto OEMs, and the settlement funds are directly settled in the internal accounts.

Option 2: Liquidation organization version plan. Provide supervision accounts for auto dealers and auto OEMs, and complete fund settlement through neutral clearing organization accounts.

The existing solutions cannot fundamentally solve the problem of mutual trust among car dealers, credit platforms and car OEMs. Auto OEMs cannot obtain first-hand transaction information during discount settlement and fee rebates, so they cannot judge the authenticity of subsequent transactions, and cannot achieve order backtracking.

Scheme 1 cannot completely solve the problem of information sorting. Because information flow and capital flow often go together, the uncertainty of information flow can easily continue to lead to the clearing of capital flow.

Option 2 is similar to Option 1 in that it cannot solve the problem of information flow classification, and lacks regulatory information, so it cannot avoid the true traceability of transaction information by auto dealers, nor can it avoid errors in the collection of transaction information by credit platforms.

Therefore, it is necessary to propose a new technical solution to solve at least one of the above technical problems.

SUMMARY OF THE INVENTION

Embodiments of the present disclosure propose a transaction information processing method, apparatus, electronic device, and storage medium.

In a first aspect, the present disclosure provides a transaction information processing method, implemented by a car dealership device, including:

Encrypt the transaction information and send it to the alliance chain device, wherein after receiving the transaction information, the alliance chain device sends a loan request to the credit platform device, and receives the loan result sent by the credit platform device;

Receive the lending result sent by the alliance chain device;

The pledge material is encrypted and sent to the consortium chain equipment, and the pledge material is sent to the credit platform equipment.

In some optional implementation manners, after receiving the transaction information, the consortium chain device also sends the transaction information to an automobile OEM device.

In some optional implementations, after receiving the transaction information, the consortium chain device also sends the transaction information to the regulator device.

In a second aspect, the present disclosure provides a method for processing transaction information, implemented by a credit platform device, including:

Receive a loan request sent by the alliance chain device, wherein the loan request is sent by the alliance chain device after receiving the transaction information sent by the car dealership device;

Send the loan result to the alliance chain device;

Receive the pledge material sent by the consortium chain device, wherein the pledge material is sent by the car dealer device to the consortium chain device.

In a third aspect, the present disclosure provides a method for processing account reconciliation information, implemented by a consortium chain device, including:

Send a reconciliation summary acquisition request to the car dealer's device, and receive the reconciliation summary sent by the car dealer's device;

Sending a reconciliation summary acquisition request to the credit platform device, and receiving the reconciliation summary sent by the credit platform device;

Comparing the reconciliation summary sent by the auto dealer equipment and/or the reconciliation summary sent by the credit platform equipment with the reconciliation summary stored by itself, to obtain a summary comparison result;

The summary comparison result is sent to the equipment of the automobile OEM for the equipment of the automobile OEM to complete the reconciliation.

In a fourth aspect, the present disclosure provides a method for processing account reconciliation information, which is implemented by equipment in an automobile OEM, including:

Receive the summary comparison result sent by the consortium chain device, wherein the summary comparison result is the comparison between the reconciliation summary sent by the car dealership equipment and/or the reconciliation summary sent by the credit platform equipment and the self-stored reconciliation summary. The account summary is compared and obtained;

The summary comparison result is compared with the self-stored reconciliation summary to complete the reconciliation.

In a fifth aspect, the present disclosure provides a transaction information processing device, which is applied to automobile dealership equipment, including:

A transaction information sending unit, configured to encrypt the transaction information and send it to the consortium chain device, wherein, after receiving the transaction information, the consortium chain device sends a loan request to the credit platform device, and receives the credit platform device sending the result of the loan;

A loan result receiving unit, configured to receive the loan result sent by the alliance chain device;

The pledge material sending unit is used to encrypt the pledge material and send it to the consortium chain equipment, and send the pledge material to the credit platform equipment.

In some optional implementation manners, after receiving the transaction information, the consortium chain device also sends the transaction information to an automobile OEM device.

In some optional implementations, after receiving the transaction information, the consortium chain device also sends the transaction information to the regulator device.

In a sixth aspect, the present disclosure provides an apparatus for processing transaction information, which is applied to credit platform equipment, including:

A loan request receiving unit, configured to receive a loan request sent by the alliance chain device, wherein the loan request is sent by the alliance chain device after receiving the transaction information sent by the car dealer device;

A loan result sending unit, used to send the loan result to the alliance chain device;

A pledge material receiving unit, configured to receive the pledge material sent by the consortium chain device, wherein the pledge material is sent by the car dealer device to the consortium chain device.

In a seventh aspect, the present disclosure provides an electronic device, comprising:

one or more processors;

a storage device on which one or more programs are stored,

The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method as described in any one of the embodiments of the first to fourth aspects.

In an eighth aspect, the present disclosure provides a computer-readable storage medium on which a computer program is stored, wherein, when the computer program is executed by one or more processors, the implementation of any one of the first to fourth aspects is implemented method described in the manner.

In the transaction information processing method, device, electronic device and storage medium, as well as the reconciliation information processing method, device, electronic device and storage medium provided by the present disclosure, using the blockchain technology and the event-driven concept, a better method is proposed. The method to solve the problem of auto finance ecological classification provides a simple and feasible implementation plan for regulators, auto dealers, auto OEMs and credit platforms. It is conducive to ensuring the mutual trust mechanism of the auto finance ecosystem and solving the problem of information and capital sorting.

In some embodiments, supervisory nodes are introduced to support the traceability and authenticity of transaction information.

In some embodiments, the distributed design is based on the event processing mode, which supports high concurrency.

Description of drawings

Other features, objects and advantages of the present disclosure will become more apparent upon reading the detailed description of non-limiting embodiments taken with reference to the following drawings. The drawings are for the purpose of illustrating specific embodiments only, and are not considered to be limiting of the present invention. In the attached image:

Fig. 1 is the schematic diagram of sorting scheme in the prior art;

2 is a system architecture diagram of an embodiment of an information processing system according to the present disclosure;

3A is a flowchart of a first embodiment of a transaction information processing method according to the present disclosure;

3B is a flowchart of a second embodiment of a transaction information processing method according to the present disclosure;

3C is a flowchart of a first embodiment of a method for processing account reconciliation information according to the present disclosure;

3D is a flowchart of a second embodiment of a method for processing account reconciliation information according to the present disclosure;

4A is a schematic diagram of a transaction information processing process according to an embodiment of the present disclosure;

4B is a schematic diagram of a process for processing account reconciliation information according to an embodiment of the present disclosure;

5A is a schematic structural diagram of a first embodiment of a transaction information processing apparatus according to the present disclosure;

5B is a schematic structural diagram of a second embodiment of a transaction information processing apparatus according to the present disclosure;

6 is a schematic structural diagram of a computer system suitable for implementing an electronic device of an embodiment of the present disclosure.

Detailed ways

The present disclosure will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the related invention, but not to limit the invention. In addition, it should be noted that, for the convenience of description, only the parts related to the related invention are shown in the drawings.

It should be noted that the embodiments of the present disclosure and the features of the embodiments may be combined with each other under the condition of no conflict. The present disclosure will be described in detail below with reference to the accompanying drawings and in conjunction with embodiments.

FIG. 1 is a schematic diagram of a separation scheme in the prior art. As shown in Figure 1, personal consumption information is first sent to the car dealer's ERP system to generate internal transaction information, which is then sent to the credit platform. At the same time, the credit platform will synchronize the information to the auto OEM.

FIG. 2 shows an exemplary system architecture 100 to which embodiments of the transaction information processing method, apparatus, terminal device and storage medium of the present disclosure may be applied.

As shown in FIG. 2 , the system architecture 100 may include terminal devices 101 , 102 , and 103 , a network 104 and a server 105 . The network 104 is used as a medium for providing a communication link between the terminal devices 101 , 102 , 103 and the server 105 . The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages and the like. Various communication client applications can be installed on the terminal devices 101 , 102 and 103 , such as voice interaction applications, video conferencing applications, short video social networking applications, web browser applications, shopping applications, search applications, instant messaging Tools, email clients, social platform software, etc.

The terminal devices 101, 102, and 103 may be hardware or software. When the terminal devices 101, 102 and 103 are hardware, they can be various electronic devices with microphones and speakers, including but not limited to smart phones, tablet computers, e-book readers, MP3 players (Moving Picture Experts Group Audio Layer III , Moving Picture Experts Compression Standard Audio Layer 3), MP4 (Moving Picture Experts Group Audio Layer IV, Moving Picture Experts Compression Standard Audio Layer 4) Players, Portable Computers and Desktop Computers and so on. When the terminal devices 101, 102, and 103 are software, they can be installed in the electronic devices listed above. It can be implemented as a plurality of software or software modules, and can also be implemented as a single software or software module. There is no specific limitation here.

The server 105 can establish a connection with the terminal devices 101 , 102 and 103 and process the data sent by the terminal devices 101 , 102 and 103 .

In some cases, the transaction information processing method provided by the present disclosure may be executed by the terminal devices 101 , 102 , and 103 , and correspondingly, the information processing apparatus may be provided in the terminal devices 101 , 102 , and 103 .

In some cases, the transaction information processing method provided by the present disclosure may be jointly executed by the terminal devices 101 , 102 , 103 and the server 105 .

It should be noted that the server 105 may be hardware or software. When the server 105 is hardware, it can be implemented as a distributed server cluster composed of multiple servers, or can be implemented as a single server. When the server 105 is software, it can be implemented as a plurality of software or software modules (for example, for providing distributed services), or can be implemented as a single software or software module. There is no specific limitation here.

It should be understood that the numbers of terminal devices, networks and servers in FIG. 2 are merely illustrative. There can be any number of terminal devices, networks and servers according to implementation needs.

The car dealer equipment, alliance chain equipment, credit platform equipment and automobile OEM equipment in the following may all be terminal equipment or servers in FIG. 2 .

Continuing to refer to FIG. 3A , it shows a flow 210 of the first embodiment of the transaction information processing method according to the present disclosure, which may be implemented by a car dealership device. The car dealer device is, for example, the terminal device 101 or the server 105 in FIG. 1 .

As shown in FIG. 3A , the flow 210 of the transaction information processing method in this embodiment includes the following steps:

Step 211, encrypting the transaction information and sending it to the alliance chain device, wherein after receiving the transaction information, the alliance chain device sends a loan request to the credit platform device, and receives the loan result sent by the credit platform device.

In this embodiment, the transaction information includes but is not limited to customer id, car dealer id, down payment amount, loan amount, vehicle information, mortgage materials, order time, order location, order channel, and the like. Among them, the customer id refers to the customer number that initiated the order, the car dealer id refers to the merchant number of the car dealer, the vehicle information refers to the transaction vehicle information, the mortgage material refers to the vehicle mortgage processing material, and the order time refers to the order initiated. Time, order location refers to the place where the order is initiated, and order channel refers to the source of the order.

In some cases, after receiving the transaction information, the consortium chain device also sends the transaction information to the equipment of the automobile OEM.

In some cases, after receiving the transaction information, the consortium chain device also sends the transaction information to the regulator device.

Step 212: Receive the lending result sent by the alliance chain device.

Step 213, encrypting the collateral material and sending it to the consortium chain device, and sending the collateral material to the credit platform device.

The transaction information processing method in this embodiment processes the transaction information based on the blockchain technology, which can ensure the authenticity and traceability of the transaction information.

Continuing to refer to FIG. 3B , it shows a flow 220 of the second embodiment of the transaction information processing method according to the present disclosure, which may be implemented by a credit platform device. The credit platform device is, for example, the terminal device 102 or the server 105 in FIG. 1 .

As shown in FIG. 3B , the flow 220 of the transaction information processing method in this embodiment includes the following steps:

Step 221: Receive a loan request sent by the alliance chain device, wherein the loan request is sent by the alliance chain device after receiving the transaction information sent by the car dealer device.

The specific content of the transaction information in this embodiment can be found in the above related descriptions, which will not be repeated here.

Step 222, sending the loan result to the alliance chain device.

Step 223: Receive the pledge material sent by the consortium chain device, wherein the pledge material is sent by the car dealer device to the consortium chain device.

The transaction information processing method in this embodiment processes the transaction information based on the blockchain technology, which can ensure the authenticity and traceability of the transaction information.

Continue to refer to FIG. 4A , which shows a schematic diagram of a transaction information processing process according to an embodiment of the present disclosure. As shown in Figure 4A, the associated adapters of auto dealers, credit platforms, and auto OEMs form a consortium chain. Car dealers send transaction requests directly to the blockchain service. After the blockchain service receives the transaction request, a transaction block is formed, and the loan service is initiated through the smart contract and the corresponding result is obtained. During this process, car dealers cannot modify any transaction information, which not only ensures the timeliness of car dealers, but also ensures that credit platforms and car OEMs can obtain first-hand information on real-time transactions. Regulators can join the consortium chain at any time as a supervisory node.

As shown in Figure 4A, the specific process of transaction information processing may include:

1. The customer initiates an order request through the car dealer, including but not limited to {customer id, dealer id, amount, vehicle type, time, location, discount amount}, the smart contract is automatically triggered, and the transaction information is broadcast to all alliance chains node.

2. Each node of the alliance chain verifies whether the transaction has an order request match through the PBFT consensus algorithm. If normal, the transaction request is recognized and recorded.

3. Once the alliance chain confirms a transaction information, the general event-driven call the loan channel to complete the loan.

4. The receipt information of the loan result will continue to be uploaded on the chain. After all consensus nodes verify the legality, record the loan request.

5. The clearing agency collects all transaction data on the blockchain, forms a reconciliation file, and keeps it for later use.

This embodiment utilizes the tamper-proof and traceable features of the blockchain to collect all transaction information and upload it to the chain from the time when the car dealer initiates an order. Use first-hand transaction information that cannot be tampered with to record vehicle mortgage materials to achieve regulatory goals.

Continuing to refer to FIG. 3C , it shows the flow 230 of the first embodiment of the reconciliation information processing method according to the present disclosure, which may be implemented by a consortium chain device. The consortium chain device is, for example, the terminal device 101 or the server 105 in FIG. 1 .

As shown in FIG. 3C , the flow 230 of the method for processing account reconciliation information in this embodiment includes the following steps:

Step 231: Send a reconciliation summary acquisition request to the car dealer's device, and receive the reconciliation digest sent by the car dealer's device.

Step 232: Send a request for obtaining the reconciliation summary to the credit platform device, and receive the reconciliation summary sent by the credit platform device.

Step 233: Compare the reconciliation summary sent by the auto dealer's equipment and/or the reconciliation summary sent by the credit platform equipment with the self-stored reconciliation summary to obtain a summary comparison result.

In step 234, the summary comparison result is sent to the equipment of the automobile OEM for the equipment of the automobile OEM to complete the reconciliation.

In this embodiment, the alliance chain device can actively pull the reconciliation files of the dealer ERP system and the credit platform based on the smart contract. The above smart contracts include but are not limited to order storage contracts, transaction storage contracts, loan contracts, loan result contracts, reconciliation initiation contracts, reconciliation summary contracts, reconciliation verification contracts and event processing contracts. Among them, the order storage contract is used to verify and save customer order information, the transaction storage contract is used to verify and save transaction information, the loan contract is used to initiate loan requests, the loan result contract is used to verify and save the loan results, and reconciliation is initiated. The contract is used to pull reconciliation files, the reconciliation summary contract is used to save the reconciliation summary information, the reconciliation verification contract is used to verify the reconciliation summary information, and the event processing contract is used to process and trigger events.

The reconciliation information processing method in this embodiment performs reconciliation and clearing based on smart contracts to ensure the security and transparency of the reconciliation and clearing process.

Continuing to refer to FIG. 3D , it shows the flow 240 of the second embodiment of the reconciliation information processing method according to the present disclosure, which can be implemented by the equipment of an automobile OEM. The consortium chain device is, for example, the terminal device 103 or the server 105 in FIG. 1 .

As shown in FIG. 3D , the flow 240 of the method for processing account reconciliation information in this embodiment includes the following steps:

Step 241: Receive the summary comparison result sent by the alliance chain device, wherein the summary comparison result is reconciled by the alliance chain equipment between the reconciliation summary sent by the car dealership equipment and/or the reconciliation summary sent by the credit platform equipment and the reconciliation summary stored by itself. The abstracts are compared.

Step 242: Compare the summary comparison result with the self-stored reconciliation summary to complete the reconciliation.

The reconciliation information processing method in this embodiment performs reconciliation and clearing based on smart contracts to ensure the security and transparency of the reconciliation and clearing process.

Continue to refer to FIG. 4B , which shows a schematic diagram of a reconciliation information processing process according to an embodiment of the present disclosure. As shown in Figure 4B, with the blockchain combined with the event-driven model, the smart contract provided by the automobile OEM actively pulls the credit platform reconciliation file, sends it to the automobile OEM through encryption technology, and conducts cross-validation with the transaction data in the block. and liquidation operations.

As shown in FIG. 4B, the specific process of reconciliation information processing may include:

1. The alliance chain smart contract actively pulls the reconciliation documents of the dealer ERP system and the credit platform.

2. The smart contract obtains the summary information of the reconciliation file and broadcasts it to all consensus nodes.

3. The auto OEMs in the alliance chain adapt the nodes to check the summary information. If the verification results are inconsistent, it can be determined that the reconciliation document has been tampered with, and the funds are refused to be cleared.

4. After the auto OEM obtains the real reconciliation documents, reconciliation and sorting are carried out according to the reconciliation documents and transaction information.

5. The auto OEM returns the reconciliation results and clearing information to auto dealers and credit platforms.

In any of the above embodiments, the regulator can join the alliance chain between car dealers, credit platforms, and car OEMs in the form of consensus nodes, so that real-time monitoring of on-chain data and smart contracts, as well as historical data traceability . Use the consensus mechanism of the blockchain to ensure the immutability of the smart contract code.

In the transaction information processing method and account reconciliation information processing method provided by this disclosure, a method for better solving the problem of auto finance ecological classification is proposed by using blockchain technology and event-driven concept, which is helpful for regulatory authorities and auto dealers. , OEMs and credit platforms together provide a simple and feasible implementation. It is conducive to ensuring the mutual trust mechanism of the auto finance ecosystem and solving the problem of information and capital sorting.

In some embodiments, real transaction information is obtained based on the blockchain, loan funds are managed based on blockchain smart contracts, an event-driven smart contract trading system is adopted, and clearing is performed based on smart contracts.

In some embodiments, supervisory nodes are introduced to support the traceability and authenticity of transaction information.

In some embodiments, the distributed design is based on the event processing mode, which supports high concurrency.

Referring further to FIG. 5A , as an implementation of the method shown in FIG. 3A , the present disclosure provides an embodiment of a transaction information processing apparatus. The apparatus embodiment corresponds to the method embodiment shown in FIG. 3A . Can be used in various electronic devices.

As shown in FIG. 5A , the transaction information processing apparatus 410 in this embodiment includes: a transaction information sending unit 411 , a loan result receiving unit 412 and a mortgage material sending unit 413 . The transaction information sending unit 411 is used to encrypt the transaction information and send it to the consortium chain device, wherein the consortium chain device sends a loan request to the credit platform device after receiving the transaction information, and receives the loan result sent by the credit platform device. The loan result receiving unit 412 is used to receive the loan result sent by the alliance chain device; the mortgage material sending unit 413 is used to encrypt the mortgage material and send it to the alliance chain device, and send the mortgage material to the credit platform device.

In this embodiment, the specific processing of the transaction information sending unit 411, the loan result receiving unit 412, and the collateral material sending unit 413 and the technical effects brought about by them can refer to steps 211, 212 and 212 in the corresponding embodiment of FIG. 3A, respectively. 213 is not repeated here.

In some optional embodiments, after receiving the transaction information, the consortium chain device also sends the transaction information to the equipment of the automobile OEM.

In some optional embodiments, after receiving the transaction information, the consortium chain device also sends the transaction information to the regulator device.

It should be noted that, for the implementation details and technical effects of each unit in the transaction information processing apparatus provided by the embodiments of the present disclosure, reference may be made to the descriptions of other embodiments in the present disclosure, and details are not repeated here.

Referring further to FIG. 5B , as an implementation of the method shown in FIG. 3B , the present disclosure provides an embodiment of a transaction information processing apparatus. The apparatus embodiment corresponds to the method embodiment shown in FIG. 3B . Can be used in various electronic devices.

As shown in FIG. 5B , the transaction information processing apparatus 420 in this embodiment includes: a loan request receiving unit 421 , a loan result sending unit 422 and a collateral material receiving unit 423 . Among them, the loan request receiving unit 421 is used to receive the loan request sent by the alliance chain device, wherein the loan request is sent by the alliance chain device after receiving the transaction information sent by the car dealer device; the loan result sending unit 422 is used to send the The alliance chain device sends the loan result; the mortgage material receiving unit 423 is configured to receive the mortgage material sent by the alliance chain device, wherein the mortgage material is sent by the car dealer device to the alliance chain device.

In this embodiment, the specific processing of the loan request receiving unit 421, the loan result sending unit 422, and the collateral material receiving unit 423 and the technical effects brought about by them can refer to steps 221, 222 and 222 in the corresponding embodiment of FIG. 3B, respectively. 223 is not repeated here.

It should be noted that, for the implementation details and technical effects of each unit in the transaction information processing apparatus provided by the embodiments of the present disclosure, reference may be made to the descriptions of other embodiments in the present disclosure, and details are not repeated here.

6, which shows a schematic structural diagram of a computer system 500 suitable for implementing the terminal device or server of the present disclosure. The computer system 500 shown in FIG. 6 is only an example, and should not impose any limitations on the functionality and scope of use of the embodiments of the present disclosure.

As shown in FIG. 6, computer system 500 may include a processing device (eg, central processing unit, graphics processor, etc.) 501 that may be loaded into random access according to a program stored in read only memory (ROM) 502 or from storage device 508 Various appropriate actions and processes are executed by the programs in the memory (RAM) 503 . In the RAM 503, various programs and data necessary for the operation of the computer system 500 are also stored. The processing device 501 , the ROM 502 , and the RAM 503 are connected to each other through a bus 504 . An input/output (I/O) interface 505 is also connected to bus 504 .

Generally, the following devices can be connected to the I/O interface 505: input devices 506 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, etc.; output devices 507 including, for example, a liquid crystal display (LCD), speakers, vibrators, etc. ; including storage devices 508 such as magnetic tapes, hard disks, etc.; and communication devices 509 . Communication means 509 may allow computer system 500 to communicate wirelessly or by wire with other devices to exchange data. Although FIG. 6 illustrates a computer system 500 of an electronic device having various means, it should be understood that not all of the illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided.

In particular, according to embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the method illustrated in the flowchart. In such an embodiment, the computer program may be downloaded and installed from the network via the communication device 509 , or from the storage device 508 , or from the ROM 502 . When the computer program is executed by the processing device 501, the above-described functions defined in the methods of the embodiments of the present disclosure are performed.

It should be noted that the computer-readable medium mentioned above in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium, or any combination of the above two. The computer readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples of computer readable storage media may include, but are not limited to, electrical connections having one or more wires, portable computer disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Programmable read only memory (EPROM or flash memory), optical fiber, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this disclosure, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present disclosure, however, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave with computer-readable program code embodied thereon. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device . Program code embodied on a computer readable medium may be transmitted using any suitable medium including, but not limited to, electrical wire, optical fiber cable, RF (radio frequency), etc., or any suitable combination of the foregoing.

The above-mentioned computer-readable medium may be included in the above-mentioned electronic device; or may exist alone without being assembled into the electronic device.

The above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by the electronic device, the electronic device is made to realize the embodiment shown in FIG. 3A and FIG. 3B and its optional implementations. The transaction information processing method shown in FIG. 3C and FIG. 3D and the reconciliation information processing method shown in the embodiments and optional implementations thereof.

Computer program code for carrying out operations of the present disclosure may be written in one or more programming languages, including object-oriented programming languages—such as Java, Smalltalk, C++, but also conventional Procedural programming language - such as the "C" language or similar programming language. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer, or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (eg, using an Internet service provider through Internet connection).

The flowchart and block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code that contains one or more logical functions for implementing the specified functions executable instructions. It should also be noted that, in some alternative implementations, the functions noted in the blocks may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It is also noted that each block of the block diagrams and/or flowchart illustrations, and combinations of blocks in the block diagrams and/or flowchart illustrations, can be implemented in dedicated hardware-based systems that perform the specified functions or operations , or can be implemented in a combination of dedicated hardware and computer instructions.

The units involved in the embodiments of the present disclosure may be implemented in software or hardware. Wherein, the name of the unit does not constitute a limitation of the unit itself under certain circumstances. For example, the transaction information sending unit can also be described as "a unit for encrypting transaction information and sending it to the consortium chain device".

The above description is merely a preferred embodiment of the present disclosure and an illustration of the technical principles employed. Those skilled in the art should understand that the scope of disclosure involved in the present disclosure is not limited to the technical solutions formed by the specific combination of the above-mentioned technical features, and should also cover, without departing from the above-mentioned disclosed concept, the technical solutions formed by the above-mentioned technical features or Other technical solutions formed by any combination of its equivalent features. For example, a technical solution is formed by replacing the above-mentioned features with the technical features disclosed in the present disclosure (but not limited to) with similar functions.

Claims (10)

1. A method for processing transaction information, implemented by car dealership equipment, comprising: Encrypt the transaction information and send it to the alliance chain device, wherein after receiving the transaction information, the alliance chain device sends a loan request to the credit platform device, and receives the loan result sent by the credit platform device; Receive the lending result sent by the alliance chain device; The pledge material is encrypted and sent to the consortium chain equipment, and the pledge material is sent to the credit platform equipment. 2 . The method according to claim 1 , wherein after receiving the transaction information, the consortium chain device also sends the transaction information to an automobile OEM device. 3 . 3. The method according to claim 1, wherein after receiving the transaction information, the consortium chain device also sends the transaction information to a regulator device. 4. A method for processing transaction information, implemented by credit platform equipment, comprising: Receive a loan request sent by the alliance chain device, wherein the loan request is sent by the alliance chain device after receiving the transaction information sent by the car dealership device; Send the loan result to the alliance chain device; Receive the pledge material sent by the consortium chain device, wherein the pledge material is sent by the car dealer device to the consortium chain device. 5. A method for processing account reconciliation information, implemented by a consortium chain device, including: Send a reconciliation summary acquisition request to the car dealer's device, and receive the reconciliation summary sent by the car dealer's device; Sending a reconciliation summary acquisition request to the credit platform device, and receiving the reconciliation summary sent by the credit platform device; Comparing the reconciliation summary sent by the auto dealer equipment and/or the reconciliation summary sent by the credit platform equipment with the reconciliation summary stored by itself, to obtain a summary comparison result; The summary comparison result is sent to the equipment of the automobile OEM for the equipment of the automobile OEM to complete the reconciliation. 6. A method for processing account reconciliation information, implemented by equipment of an automobile OEM, comprising: Receive the summary comparison result sent by the consortium chain device, wherein the summary comparison result is the comparison between the reconciliation summary sent by the car dealership equipment and/or the reconciliation summary sent by the credit platform equipment and the self-stored reconciliation summary. The account summary is compared and obtained; The summary comparison result is compared with the self-stored reconciliation summary to complete the reconciliation. 7. A device for processing transaction information, applied to car dealership equipment, comprising: A transaction information sending unit, configured to encrypt the transaction information and send it to the consortium chain device, wherein, after receiving the transaction information, the consortium chain device sends a loan request to the credit platform device, and receives the credit platform device sending the result of the loan; A loan result receiving unit, configured to receive the loan result sent by the alliance chain device; The pledge material sending unit is used to encrypt the pledge material and send it to the consortium chain equipment, and send the pledge material to the credit platform equipment. 8. A device for processing transaction information, applied to credit platform equipment, comprising: A loan request receiving unit, configured to receive a loan request sent by the alliance chain device, wherein the loan request is sent by the alliance chain device after receiving the transaction information sent by the car dealer device; A loan result sending unit, used to send the loan result to the alliance chain device; A pledge material receiving unit, configured to receive the pledge material sent by the consortium chain device, wherein the pledge material is sent by the car dealer device to the consortium chain device. 9. An electronic device comprising: one or more processors; a storage device on which one or more programs are stored, The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-6. 10. A computer-readable storage medium having stored thereon a computer program, wherein the computer program, when executed by one or more processors, implements the method of any one of claims 1-6.

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