CN114782166A - Block chain-based provident fund withdrawal business processing method and device - Google Patents

Abstract

The invention discloses a block chain-based provident fund extraction business processing method and device, wherein the method includes: receiving a provident fund extraction request sent by a first customer; querying the block chain for the first wireless network that is the same as the wireless network information information, and the provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal authority information associated with the first wireless network information; when the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, it will be linked with the first wireless network The provident fund account information associated with the information is sent to the first customer, and the first customer selects the provident fund account information to be operated; obtain the provident fund extraction data information of the provident fund account information to be operated from the blockchain and verify the validity; after the verification is passed, execute the provident fund Withdrawal operation; send the result of provident fund withdrawal to the first client. The present invention can enable others to handle the withdrawal business of provident fund on behalf of others through the same wireless network information.

Description

Block chain-based provident fund withdrawal business processing method and device

technical field

The present invention relates to the technical field of blockchain, and in particular, to a method and device for processing a provident fund extraction business based on the blockchain.

Background technique

This section is intended to provide a background or context to the embodiments of the invention recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section.

At present, customers can handle provident fund withdrawal services online. However, when a customer handles provident fund withdrawal services online, the customer himself is required to carry out identity authentication, and others cannot handle it on his behalf. If you need someone else to handle it on your behalf, you need someone else to bring the client's entrustment certificate and relevant paper version materials (such as repayment flow, house purchase contract, etc.) to the provident fund management center or authorized bank outlets for manual processing, which brings a larger amount of money to the client. Inconvenient, poor customer experience, and less efficient.

SUMMARY OF THE INVENTION

Embodiments of the present invention provide a method for processing provident fund withdrawal services based on blockchain, which is used to solve the problem that others cannot handle provident fund withdrawal services on behalf of others, improve the processing efficiency of provident fund withdrawal services, and improve customer experience. The method includes:

Receive the provident fund withdrawal request sent by the first customer through mobile banking, the provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is connected to the mobile device to which the mobile banking of the first customer belongs. information about wireless networks;

The first wireless network information that is the same as the wireless network information, and the provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal authority information associated with the first wireless network information are queried from the blockchain, and the provident fund account information is Provident fund account information of the second customer, the provident fund withdrawal bank account information is the provident fund withdrawal bank account information of the second customer, and the provident fund withdrawal authority information includes at least one mobile banking registration that allows the withdrawal of the provident fund of the second customer information;

When the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, the provident fund account information associated with the first wireless network information is sent to the mobile banking of the first customer, so that the first customer can Select the provident fund account information to be operated in the provident fund account information associated with the wireless network information;

Receive the information of the provident fund account to be operated that is fed back by the first customer through mobile banking;

Obtain the provident fund extraction data information corresponding to the provident fund account information to be operated from the blockchain, where the provident fund extraction data information includes the second customer's house purchase contract information, loan information and customer identity information;

Verifying the validity of the provident fund extraction materials and information;

After the validity verification of the provident fund extraction information is passed, according to the provident fund extraction request, the provident fund account information to be operated and the provident fund extraction bank account information associated with the first wireless network information, execute the provident fund extraction operation of the second client;

Send the second customer's provident fund withdrawal result to the first customer's mobile banking.

The embodiment of the present invention also provides a block chain-based provident fund withdrawal business processing device, which is used to solve the problem that others cannot handle the provident fund withdrawal business on behalf of others, improve the processing efficiency of the provident fund withdrawal business, and improve the customer experience. The device includes:

The first receiving module is used to receive the provident fund withdrawal request sent by the first customer through mobile banking, the provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is the mobile phone of the first customer Information about the wireless network connected to the mobile device to which the bank belongs;

The first query module is used to query the first wireless network information that is the same as the wireless network information, and the provident fund account information, provident fund extraction bank account information and provident fund extraction authority information associated with the first wireless network information from the blockchain , the provident fund account information is the provident fund account information of the second client, the provident fund withdrawal bank account information is the provident fund withdrawal bank account information of the second client, and the provident fund withdrawal authority information includes permission to withdraw the provident fund of the second client Operating at least one mobile banking registration information;

The first sending module is configured to send the provident fund account information associated with the first wireless network information to the mobile banking of the first customer when the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, so that The first customer selects the provident fund account information to be operated from the provident fund account information associated with the first wireless network information;

The second receiving module is used to receive the information of the provident fund account to be operated that is fed back by the first customer through mobile banking;

The second query module is used to obtain from the block chain the provident fund extraction data information corresponding to the provident fund account information to be operated, where the provident fund extraction data information includes the second customer's house purchase contract information, loan information and customer identity information;

A verification module, used to verify the validity of the provident fund extraction data information;

The provident fund extraction module is configured to, after the validity verification of the provident fund extraction data information is passed, execute the second client's process according to the provident fund extraction request, the provident fund account information to be operated, and the provident fund extraction bank account information associated with the first wireless network information. Provident fund withdrawal operations;

The second sending module is configured to send the provident fund withdrawal result of the second customer to the mobile banking of the first customer.

An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor, the processor implementing the above-mentioned blockchain-based provident fund when the processor executes the computer program Extract business processing methods.

Embodiments of the present invention further provide a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, and when the computer program is executed by a processor, the above-mentioned blockchain-based provident fund extraction business processing method is implemented.

An embodiment of the present invention further provides a computer program product, the computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned blockchain-based provident fund withdrawal business processing method is implemented.

In this embodiment of the present invention, a provident fund withdrawal request sent by the first customer through mobile banking is received. The provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is the mobile device to which the mobile banking of the first customer belongs. Information of the connected wireless network; query the first wireless network information that is the same as the wireless network information from the blockchain, and the provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal authority information associated with the first wireless network information, provident fund The account information is the second customer's provident fund account information, the provident fund withdrawal bank account information is the second customer's provident fund withdrawal bank account information, and the provident fund withdrawal authority information includes at least one mobile banking registration information that allows the second customer's provident fund to be withdrawn. ; When the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, send the provident fund account information associated with the first wireless network information to the mobile banking of the first customer, so that the first customer can Select to-be-operated provident fund account information from the provident fund account information associated with the network information; receive the to-be-operated provident fund account information fed back by the first customer through mobile banking; obtain the provident fund extraction data information corresponding to the to-be-operated provident fund account information from the blockchain, provide provident fund extraction The material information includes the second customer's house purchase contract information, loan information and customer identity information; verify the validity of the provident fund extraction materials and information; information and the bank account information for providing provident fund withdrawal associated with the first wireless network information, execute the provident fund withdrawal operation of the second customer; send the provident fund withdrawal result of the second customer to the mobile banking of the first customer. Compared with the technical solution in the prior art in which other people need to go to the counter to manually handle the provident fund withdrawal business, the wireless network information stored in the blockchain and its associated provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal Authority information; using the non-tampering characteristics of the blockchain, while ensuring information security, others can use the same wireless network information to handle provident fund withdrawal services on behalf of others, thereby improving the efficiency of provident fund withdrawals and bringing great benefits to customers. convenience and improved customer experience.

Description of drawings

In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained according to these drawings without creative efforts. In the attached image:

1 is a flowchart of a method for processing a block chain-based provident fund extraction business provided in an embodiment of the present invention;

2 is a flowchart of a method for binding a wireless network and provident fund extraction information provided in an embodiment of the present invention;

3 is a schematic diagram of a block chain-based provident fund extraction business processing device provided in an embodiment of the present invention;

4 is a schematic diagram of another block chain-based provident fund extraction business processing device provided in an embodiment of the present invention;

FIG. 5 is a schematic diagram of a computer device in an embodiment of the present invention.

Detailed ways

In order to make the purposes, technical solutions and advantages of the embodiments of the present invention more clearly understood, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

In the description of this specification, the use of "comprising", "including", "having", "containing" and the like are all open-ended terms, that is, meaning including but not limited to. Description with reference to the terms "one embodiment", "one particular embodiment", "some embodiments", "for example" etc. means that a particular feature, structure or characteristic described in connection with the embodiment or example is included in at least one of the present application examples or examples. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the sequence of steps is not limited and can be appropriately adjusted as required.

After research, it is found that the existing online provident fund withdrawal system does not support others to handle provident fund withdrawal business on behalf of others. However, at present, there are many cases where customers cannot handle provident fund withdrawal online, but need others to do so, for example, the elderly. Or customers with visual impairments are unable to operate the online provident fund withdrawal system proficiently, and others need to handle provident fund withdrawals on their behalf. In this case, others usually need to bring the client’s entrustment certificate and relevant paper materials to the provident fund management center or authorized bank outlets for manual labor. It brings great inconvenience to customers. Moreover, the withdrawal of provident fund is generally a periodic operation. For example, customers can withdraw once a year or half a year according to the requirements of local provident fund management policies. Re-prepare the relevant extraction materials, and only after verifying the legality and validity of the extraction materials can the provident fund extraction operation be carried out, which makes the provident fund extraction process cumbersome and low in efficiency. experience.

In order to solve the above problems, the embodiments of the present invention provide a method and device for providing provident fund withdrawal business based on blockchain, which can enable others to handle provident fund withdrawal business on behalf of others, simplify the provident fund withdrawal business process, and improve the provident fund withdrawal efficiency.

As shown in FIG. 1, it is a flowchart of a method for processing a block chain-based provident fund extraction business provided by an embodiment of the present invention. The method may include the following steps:

Step 101: Receive a provident fund withdrawal request sent by the first customer through mobile banking, the provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is the mobile phone bank to which the mobile banking of the first customer belongs. Information about the wireless network to which the device is connected;

Step 102: Query the first wireless network information that is the same as the wireless network information, and the provident fund account information, provident fund extraction bank account information and provident fund extraction authority information associated with the first wireless network information from the blockchain. The account information is the provident fund account information of the second client, the provident fund withdrawal bank account information is the provident fund withdrawal bank account information of the second client, and the provident fund withdrawal authority information includes at least one that allows the withdrawal operation of the second client's provident fund. Mobile banking registration information;

Step 103, when the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, send the provident fund account information associated with the first wireless network information to the mobile banking of the first customer, so that the first customer can withdraw from the provident fund. Select the provident fund account information to be operated from the provident fund account information associated with the first wireless network information;

Step 104, receiving the information of the provident fund account to be operated fed back by the first customer through mobile banking;

Step 105: Obtain from the block chain the provident fund extraction data information corresponding to the provident fund account information to be operated, where the provident fund extraction data information includes the second customer's house purchase contract information, loan information and customer identity information;

Step 106, verifying the validity of the provident fund extraction data information;

Step 107: After the validity verification of the provident fund extraction information is passed, execute the provident fund extraction operation of the second client according to the provident fund extraction request, the provident fund account information to be operated, and the provident fund extraction bank account information associated with the first wireless network information ;

Step 108: Send the result of the withdrawal of the provident fund of the second customer to the mobile banking of the first customer.

In this embodiment of the present invention, a provident fund withdrawal request sent by the first customer through mobile banking is received. The provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is the mobile device to which the mobile banking of the first customer belongs. Information of the connected wireless network; query the first wireless network information that is the same as the wireless network information from the blockchain, and the provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal authority information associated with the first wireless network information, provident fund The account information is the second customer's provident fund account information, the provident fund withdrawal bank account information is the second customer's provident fund withdrawal bank account information, and the provident fund withdrawal authority information includes at least one mobile banking registration information that allows the second customer's provident fund to be withdrawn. ; When the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, send the provident fund account information associated with the first wireless network information to the mobile banking of the first customer, so that the first customer can Select to-be-operated provident fund account information from the provident fund account information associated with the network information; receive the to-be-operated provident fund account information fed back by the first customer through mobile banking; obtain the provident fund extraction data information corresponding to the to-be-operated provident fund account information from the blockchain, provide provident fund extraction The data information includes the second customer's house purchase contract information, loan information and customer identity information; verify the validity of the provident fund extraction data and information; information and the bank account information for providing provident fund withdrawal associated with the first wireless network information, execute the provident fund withdrawal operation of the second customer; send the provident fund withdrawal result of the second customer to the mobile banking of the first customer. Compared with the technical solution in the prior art in which other people need to go to the counter to manually handle the provident fund withdrawal business, the wireless network information stored in the blockchain and its associated provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal Authority information; using the non-tampering characteristics of the blockchain, while ensuring information security, others can use the same wireless network information to handle provident fund withdrawal services on behalf of others, thereby improving the efficiency of provident fund withdrawals and bringing great benefits to customers. convenience and improved customer experience.

In the embodiment of the present invention, the customer himself (ie the second customer) can bind the fixed wireless network information with his own provident fund account and provident fund withdrawal bank account in advance, and set the authority, store it in the blockchain, and then allow The authorized person (ie the first customer) withdraws the provident fund by connecting to the same wireless network.

In a specific embodiment of the present invention, as shown in FIG. 2 , the binding operation of the wireless network information and the customer’s own (that is, the second customer) provident fund extraction related information can be performed in the following ways:

Step 201: Receive a wireless network binding request sent by a second customer through mobile banking, where the wireless network binding request includes first wireless network information, and the first wireless network information is the mobile device to which the second customer's mobile banking belongs information on connected wireless networks;

Step 202, verifying the first wireless network information;

Step 203, after the verification is passed, send a provident fund account input prompt message to the mobile banking of the second customer, so that the second customer can input the provident fund account information bound with the first wireless network information;

Step 204, receiving the provident fund account information sent by the second customer through mobile banking; verifying the provident fund account information of the second customer;

Step 205, after the verification is passed, send a request for obtaining face information to the mobile banking of the second customer, where the request for obtaining face information is used to obtain the face information of the second customer;

Step 206: Receive the face information of the second customer fed back by the mobile banking of the second customer; perform online verification on the face information of the second customer;

Step 207, after the online verification is passed, send the withdrawal account binding prompt information to the mobile banking of the second customer, so that the second customer can enter the provident fund withdrawal bank account information on the mobile banking interface according to the withdrawal account binding prompt information;

Step 208: Receive the bank account information for provident fund withdrawal sent by the mobile banking of the second customer; verify the bank account information for provident fund withdrawal sent by the mobile banking of the second customer;

Step 209, after the verification is passed, send a permission setting request to the mobile banking of the second customer, so that the second customer sets the provident fund withdrawal permission information;

Step 210: Receive provident fund withdrawal authority information sent by the mobile banking of the second customer;

Step 211: Establish an association relationship between the first wireless network information and the second customer's provident fund account information, the second customer's provident fund withdrawal bank account information and provident fund withdrawal authority information, and send them to the blockchain for storage.

In an embodiment of the present invention, the foregoing step 202 may specifically include:

The first wireless network information is sent to the blockchain, so that the nodes on the blockchain can perform unique verification on the first wireless network information.

In this way, the security of the customer's provident fund account and other data can be ensured by using the non-tamperable, traceable, collective maintenance, open and transparent characteristics of the blockchain. At the same time, since the wireless network information can be accurately bound to the physical location when the business is initiated, the customer himself binds the wireless network information connected to the mobile device with his own provident fund account information, etc. and stores it in the blockchain, so that others can be authorized After that, you can withdraw provident fund on your behalf only by connecting to the same wireless network, which simplifies the process for others to withdraw provident fund on your behalf, and also brings greater convenience to customers.

In specific implementation, in the above step 201, the second customer (ie the customer himself) logs into his mobile banking account after the mobile device is connected to a commonly used wireless network (the commonly used wireless network can be the wireless network installed at the customer's own home). Specifically, the mobile banking client is equipped with a provident fund withdrawal module, and the customer can perform the binding operation of the provident fund account and the wireless network through the provident fund withdrawal module.

The second customer can send a wireless network binding request to the provident fund management center in the provident fund withdrawal module. The wireless network binding request includes first wireless network information. The first wireless network information is information of a common wireless network to which the client's mobile device is connected.

The above-mentioned first wireless network information may be the address of the wireless network (for example, a WiFi fingerprint), which is used to locate the physical location when the wireless network binding request is initiated.

In the above step 202, the provident fund management center may verify the first wireless network information.

Specifically, because the address of the wireless network needs to be bound with the relevant information extracted from the provident fund. Therefore, it is necessary to ensure the uniqueness, legality, etc. of the first wireless network information. Therefore, the first wireless network information can be sent to the blockchain, so that the nodes on the blockchain can perform unique verification on the first wireless network information.

In the above steps 203 and 204, after the first wireless network information verification is passed, the mobile banking jumps to the binding operation interface of the provident fund account. Specifically, the provident fund management center sends a provident fund account input prompt message to the mobile banking of the second customer, prompting the second customer to input the provident fund account information bound with the first wireless network information; and verify the provident fund account information of the second customer.

For example, the second customer enters the provident fund account number and the corresponding password on the mobile banking interface, and the provident fund management center determines whether the received provident fund account number and the corresponding password are correct.

In the above steps 205 and 206, after the provident fund account information verification is passed, in order to ensure that the customer himself is performing the provident fund account binding operation, it is also necessary to send a request for obtaining face information to the mobile banking of the second customer, which is used to obtain the first The face information of the second customer, and the online verification of the face information of the second customer.

In the above-mentioned steps 207 and 208, after the online verification is passed, a reminder message for withdrawing account binding is sent to the mobile banking of the second customer.

It should be noted that each customer's provident fund withdrawal can only be set up with one withdrawal bank account. The second customer can enter the bank card number according to the prompt information, and send the SMS verification code to the reserved mobile phone number of the bank card number. After confirming that the bank card number is the customer's own bank card, the verification is completed.

In the above steps 209 and 210, the second customer also needs to set the provident fund withdrawal authority to prevent any mobile device connected to the wireless network from being able to withdraw provident fund through mobile banking. In the embodiment of the present invention, the authority setting can be performed on the mobile banking registration information of the customer.

For example, the second customer may add the mobile banking registration information (eg, mobile banking account ID) that is allowed to withdraw his provident fund to the permission list.

In the above step 211, the first wireless network information is associated with the second customer's provident fund account information, the second customer's provident fund withdrawal bank account information and provident fund withdrawal authority information, and is sent to the blockchain for storage, completing the wireless network Binding operation with provident fund account.

In the embodiment of the present invention, after completing the binding of the first wireless network information with the provident fund account information of the second customer, the provident fund withdrawal bank account information of the second customer and the provident fund withdrawal authority information according to the method shown in FIG. 2 . The first customer can withdraw the provident fund of the second customer by connecting to the same wireless network.

The following is a detailed description of the blockchain-based provident fund extraction business processing method shown in FIG. 1 .

In the above step 101, the first customer logs in to his mobile banking account after the mobile device is connected to the wireless network. Send a provident fund withdrawal request to the provident fund management center in the provident fund withdrawal module of mobile banking.

Wherein, the provident fund withdrawal request includes wireless network information and mobile banking registration information of the first customer, and the wireless network information is information of the wireless network connected to the mobile device to which the mobile banking of the first customer belongs.

In the above step 102, the provident fund management center can query the block chain for the first wireless network information that is the same as the wireless network information, and the provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal authority associated with the first wireless network information information.

The first wireless network information, the provident fund account information associated with the first wireless network information, the provident fund withdrawal bank account information, and the provident fund withdrawal authority information are all pre-stored in the blockchain by the second customer through the method shown in FIG. 2 . .

In the above steps 103 and 104, when the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, it indicates that the first customer has the authority to withdraw the provident fund of the second customer.

At this time, since there may be multiple provident fund account information corresponding to the first wireless network information, the first customer needs to select the provident fund account information to be operated.

In the above-mentioned steps 105 and 106, according to the information of the provident fund account to be operated selected by the first customer, the information of the provident fund extraction data corresponding to the information of the provident fund account to be operated is queried from the blockchain, and the validity of the provident fund extraction data information is checked. verify.

It should be noted that the provident fund extraction data information corresponding to the provident fund account information to be operated may be the information uploaded when the provident fund account information to be operated is extracted for the first time, and may include the second customer's house purchase contract information, loan information and customer identification information, etc.

During the specific implementation, since the second customer's house purchase contract information, loan information and customer identity information include the second customer's signature information, the date of signing the contract, or the validity period of the identity certificate, it is necessary to verify the second customer's signature information, contract The date of signing, or the validity period of the identity document is verified for validity.

In the above step 107, after the validity verification of the provident fund withdrawal information is passed, the amount N to be withdrawn in the provident fund withdrawal request and the upper limit M of the amount to be withdrawn in the provident fund account information to be operated can be withdrawn, in the case of N<=M , the amount N to be withdrawn is extracted by the provident fund management center into the provident fund withdrawal bank account information associated with the first wireless network information.

In the above step 108, the withdrawal result of the provident fund of the second customer is sent to the mobile banking of the first customer. At the same time, the withdrawal result of the provident fund can also be sent to the second customer by SMS or other forms.

In the embodiment of the present invention, if provident fund extraction is performed for the provident fund account information to be operated for the first time, there may be no provident fund extraction data information corresponding to the provident fund account information to be operated in the blockchain. Therefore, it is necessary to upload provident fund extraction data. After the information is received, the withdrawal of the provident fund can be completed.

In a specific embodiment of the present invention, after the above step 104, it may further include:

If there is no provident fund extraction data information corresponding to the provident fund account information to be operated in the blockchain, a data upload prompt message is sent to the first customer's mobile banking, and the data upload prompt information is used to prompt the first customer to upload the second customer's house purchase contract information, loan information and customer identification information;

Receive the house purchase contract information, loan information and customer identity information of the second customer uploaded by the first customer through mobile banking;

Use optical character recognition (OCR) to determine the customer signature information and date information in the second customer's house purchase contract information, loan information and customer identity information;

Verify the validity of customer signature information and date information;

After the validity verification of the customer's signature information and date information is passed, the second customer's provident fund withdrawal operation is performed according to the provident fund withdrawal request, the provident fund account information to be operated, and the provident fund withdrawal bank account information associated with the first wireless network information;

Send the second customer's provident fund withdrawal result to the first customer's mobile banking.

In a specific embodiment of the present invention, after the validity verification of the client's signature information and date information is passed, it may further include:

Package and upload the provident fund account information to be operated, the second customer's house purchase contract information, loan information and customer identity information to the blockchain for storage.

In this way, by uploading and verifying the second customer's house purchase contract information, loan information and customer identity information, after the verification is passed, package and upload the to-be-operated provident fund account information, the second customer's house purchase contract information, loan information and customer identity information to Blockchain storage can be used to extract the provident fund corresponding to the provident fund account information to be operated next time, without the need to upload the data repeatedly, and only need to verify the validity of the data, which simplifies the data verification process of provident fund extraction, thereby improving provident fund extraction. business processing efficiency.

The acquisition, storage, use and processing of data in the technical solution of the present invention all comply with the relevant provisions of national laws and regulations.

The embodiment of the present invention also provides a block chain-based provident fund extraction business processing device, as described in the following embodiments. Since the principle of the device to solve the problem is similar to the processing method of the provident fund extraction business based on the blockchain, the implementation of the device can refer to the implementation of the blockchain-based provident fund extraction business processing method, and the repetition will not be repeated.

As shown in FIG. 3, it is a schematic diagram of a block chain-based provident fund extraction business processing device provided by an embodiment of the present invention, and the device may include:

The first receiving module 301 is configured to receive a provident fund withdrawal request sent by the first customer through mobile banking, where the provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is the first customer's mobile banking registration information. Information about the wireless network connected to the mobile device to which the mobile banking belongs;

The first query module 302 is used to query the first wireless network information that is the same as the wireless network information, and the provident fund account information, provident fund extraction bank account information and provident fund extraction authority associated with the first wireless network information from the blockchain information, the provident fund account information is the provident fund account information of the second client, the provident fund withdrawal bank account information is the provident fund withdrawal bank account information of the second client, and the provident fund withdrawal authority information includes the information that allows the second client's provident fund to be withdrawn. At least one mobile banking registration information for the extraction operation;

The first sending module 303 is configured to send the provident fund account information associated with the first wireless network information to the mobile banking of the first customer when the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, so as to enabling the first client to select the provident fund account information to be operated from the provident fund account information associated with the first wireless network information;

The second receiving module 304 is configured to receive the information of the provident fund account to be operated fed back by the first customer through mobile banking;

The second query module 305 is configured to obtain from the block chain the provident fund extraction data information corresponding to the provident fund account information to be operated, where the provident fund extraction data information includes the second customer's house purchase contract information, loan information and customer identity information;

A verification module 306, configured to verify the validity of the provident fund extraction data information;

The provident fund extraction module 307 is used to execute the second client according to the provident fund extraction request, the provident fund account information to be operated and the provident fund extraction bank account information associated with the first wireless network information after the validity verification of the provident fund extraction data information is passed. the provident fund withdrawal operation;

The second sending module 308 is configured to send the provident fund withdrawal result of the second customer to the mobile banking of the first customer.

In an embodiment of the present invention, it further includes a data uploading module, which can be used to, after the second receiving module receives the information of the provident fund account to be operated fed back by the first customer through mobile banking:

If there is no provident fund withdrawal data information corresponding to the provident fund account information to be operated in the blockchain, a data upload prompt message is sent to the first customer's mobile banking, and the data upload prompt information is used to prompt the first customer to upload the second customer's house purchase contract information, loan information and customer identification information;

Receive the house purchase contract information, loan information and customer identity information of the second customer uploaded by the first customer through mobile banking;

Use optical character recognition (OCR) to determine the customer signature information and date information in the second customer's house purchase contract information, loan information and customer identity information;

Verify the validity of customer signature information and date information;

After the validity verification of the customer's signature information and date information is passed, the second customer's provident fund withdrawal operation is performed according to the provident fund withdrawal request, the provident fund account information to be operated, and the provident fund withdrawal bank account information associated with the first wireless network information;

Send the second customer's provident fund withdrawal result to the first customer's mobile banking.

In one embodiment of the present invention, the data uploading module can also be used after the validity verification of the customer signature information and date information is passed:

Package and upload the provident fund account information to be operated, the second customer's house purchase contract information, loan information and customer identity information to the blockchain for storage.

In an embodiment of the present invention, as shown in FIG. 4 , it further includes a wireless network binding module 401, which can be used to: before the first receiving module receives the provident fund withdrawal request sent by the first customer through mobile banking:

Receive a wireless network binding request sent by the second customer through mobile banking, where the wireless network binding request includes first wireless network information, and the first wireless network information is the wireless network connected to the mobile device to which the second customer's mobile banking belongs. network information;

verifying the first wireless network information;

After the verification is passed, send a provident fund account input prompt message to the mobile banking of the second customer, so that the second customer can input the provident fund account information bound with the first wireless network information;

Receive the provident fund account information sent by the second customer through mobile banking; verify the provident fund account information of the second customer;

After passing the verification, send a request for obtaining face information to the mobile banking of the second customer, where the request for obtaining face information is used to obtain the face information of the second customer;

Receive the face information of the second customer fed back by the mobile banking of the second customer; conduct online verification of the face information of the second customer;

After the online verification is passed, send the withdrawal account binding prompt information to the mobile banking of the second customer, so that the second customer can enter the provident fund withdrawal bank account information on the mobile banking interface according to the withdrawal account binding prompt information;

Receive the provident fund withdrawal bank account information sent by the second customer's mobile banking; verify the provident fund withdrawal bank account information sent by the second customer's mobile banking;

After the verification is passed, send a permission setting request to the mobile banking of the second customer, so that the second customer can set the provident fund withdrawal permission information;

Receive the provident fund withdrawal authority information sent by the mobile banking of the second customer;

The first wireless network information is associated with the second customer's provident fund account information, the second customer's provident fund withdrawal bank account information, and the provident fund withdrawal authority information, and is sent to the blockchain for storage.

In an embodiment of the present invention, the wireless network binding module can also be used to:

The first wireless network information is sent to the blockchain, so that the nodes on the blockchain can perform unique verification on the first wireless network information.

An embodiment of the present invention further provides a computer device. As shown in FIG. 5 , which is a schematic diagram of the computer device in the embodiment of the present invention, the computer device 500 includes a memory 510, a processor 520, and is stored in the memory 510 and can be processed during processing. The computer program 530 running on the device 520, the process 520 implements the above-mentioned blockchain-based provident fund withdrawal business processing method when the computer program 530 is executed.

Embodiments of the present invention further provide a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, and when the computer program is executed by a processor, the above-mentioned blockchain-based provident fund extraction business processing method is implemented.

An embodiment of the present invention further provides a computer program product, the computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned blockchain-based provident fund withdrawal business processing method is implemented.

In this embodiment of the present invention, a provident fund withdrawal request sent by the first customer through mobile banking is received. The provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is the mobile device to which the mobile banking of the first customer belongs. Information of the connected wireless network; query the first wireless network information that is the same as the wireless network information from the blockchain, and the provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal authority information associated with the first wireless network information, provident fund The account information is the second customer's provident fund account information, the provident fund withdrawal bank account information is the second customer's provident fund withdrawal bank account information, and the provident fund withdrawal authority information includes at least one mobile banking registration information that allows the second customer's provident fund to be withdrawn. ; When the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, send the provident fund account information associated with the first wireless network information to the mobile banking of the first customer, so that the first customer can Select to-be-operated provident fund account information from the provident fund account information associated with the network information; receive the to-be-operated provident fund account information fed back by the first customer through mobile banking; obtain the provident fund extraction data information corresponding to the to-be-operated provident fund account information from the blockchain, provide provident fund extraction The material information includes the second customer's house purchase contract information, loan information and customer identity information; verify the validity of the provident fund extraction materials and information; information and the bank account information for providing provident fund withdrawal associated with the first wireless network information, execute the provident fund withdrawal operation of the second customer; send the provident fund withdrawal result of the second customer to the mobile banking of the first customer. Compared with the technical solution in the prior art in which other people need to go to the counter to manually handle the provident fund withdrawal business, the wireless network information stored in the blockchain and its associated provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal Authority information; using the non-tampering characteristics of the blockchain, while ensuring information security, others can use the same wireless network information to handle provident fund withdrawal services on behalf of others, thereby improving the efficiency of provident fund withdrawals and bringing great benefits to customers. convenience and improved customer experience.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block in the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a block diagram.

These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions The apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.

These computer program instructions can also be loaded on a computer or other programmable data processing device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process such that The instructions provide steps for implementing the functions specified in the flow or blocks of the flowcharts and/or the block or blocks of the block diagrams.

The specific embodiments described above further describe the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above-mentioned specific embodiments are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (13)

1. A block chain-based provident fund extraction business processing method is characterized in that, comprising: Receive the provident fund withdrawal request sent by the first customer through mobile banking, the provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is connected to the mobile device to which the mobile banking of the first customer belongs. information about wireless networks; The first wireless network information that is the same as the wireless network information, and the provident fund account information, provident fund withdrawal bank account information and provident fund withdrawal authority information associated with the first wireless network information are queried from the blockchain, and the provident fund account information is Provident fund account information of the second customer, the provident fund withdrawal bank account information is the provident fund withdrawal bank account information of the second customer, and the provident fund withdrawal authority information includes at least one mobile banking registration that allows the withdrawal of the provident fund of the second customer information; When the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, the provident fund account information associated with the first wireless network information is sent to the mobile banking of the first customer, so that the first customer can Select the provident fund account information to be operated in the provident fund account information associated with the wireless network information; Receive the information of the provident fund account to be operated that is fed back by the first customer through mobile banking; Obtain the provident fund extraction data information corresponding to the provident fund account information to be operated from the blockchain, where the provident fund extraction data information includes the second customer's house purchase contract information, loan information and customer identity information; Verifying the validity of the provident fund extraction materials and information; After the validity verification of the provident fund extraction information is passed, according to the provident fund extraction request, the provident fund account information to be operated and the provident fund extraction bank account information associated with the first wireless network information, execute the provident fund extraction operation of the second client; Send the second customer's provident fund withdrawal result to the first customer's mobile banking. 2. The method according to claim 1, wherein after receiving the information of the provident fund account to be operated fed back by the first customer through mobile banking, the method further comprises: If there is no provident fund extraction data information corresponding to the provident fund account information to be operated in the blockchain, a data upload prompt message is sent to the first customer's mobile banking, and the data upload prompt information is used to prompt the first customer to upload the second customer's house purchase contract information, loan information and customer identification information; Receive the house purchase contract information, loan information and customer identity information of the second customer uploaded by the first customer through mobile banking; Use optical character recognition (OCR) to determine the customer signature information and date information in the second customer's house purchase contract information, loan information and customer identity information; Verify the validity of customer signature information and date information; After the validity verification of the customer's signature information and date information is passed, the second customer's provident fund withdrawal operation is performed according to the provident fund withdrawal request, the provident fund account information to be operated, and the provident fund withdrawal bank account information associated with the first wireless network information; Send the second customer's provident fund withdrawal result to the first customer's mobile banking. 3. method as claimed in claim 2 is characterized in that, after the validity verification of client signature information and date information passes, also comprises: Package and upload the provident fund account information to be operated, the second customer's house purchase contract information, loan information and customer identity information to the blockchain for storage. 4. The method according to claim 1, wherein before receiving the provident fund withdrawal request sent by the first customer through mobile banking, the method further comprises: Receive a wireless network binding request sent by the second customer through mobile banking, where the wireless network binding request includes first wireless network information, and the first wireless network information is the wireless network connected to the mobile device to which the second customer's mobile banking belongs. network information; verifying the first wireless network information; After the verification is passed, send a provident fund account input prompt message to the mobile banking of the second customer, so that the second customer can input the provident fund account information bound with the first wireless network information; Receive the provident fund account information sent by the second customer through mobile banking; verify the provident fund account information of the second customer; After passing the verification, send a request for obtaining face information to the mobile banking of the second customer, where the request for obtaining face information is used to obtain the face information of the second customer; Receive the face information of the second customer fed back by the mobile banking of the second customer; conduct online verification of the face information of the second customer; After the online verification is passed, send the withdrawal account binding prompt information to the mobile banking of the second customer, so that the second customer can enter the provident fund withdrawal bank account information on the mobile banking interface according to the withdrawal account binding prompt information; Receive the provident fund withdrawal bank account information sent by the second customer's mobile banking; verify the provident fund withdrawal bank account information sent by the second customer's mobile banking; After the verification is passed, send a permission setting request to the mobile banking of the second customer, so that the second customer can set the provident fund withdrawal permission information; Receive the provident fund withdrawal authority information sent by the mobile banking of the second customer; The first wireless network information is associated with the second customer's provident fund account information, the second customer's provident fund withdrawal bank account information, and the provident fund withdrawal authority information, and is sent to the blockchain for storage. 5. The method of claim 4, wherein verifying the first wireless network information comprises: The first wireless network information is sent to the blockchain, so that the nodes on the blockchain can perform unique verification on the first wireless network information. 6. A block chain-based provident fund extraction business processing device, characterized in that it comprises: The first receiving module is used to receive the provident fund withdrawal request sent by the first customer through mobile banking, the provident fund withdrawal request includes wireless network information and the mobile banking registration information of the first customer, and the wireless network information is the mobile phone of the first customer Information about the wireless network connected to the mobile device to which the bank belongs; The first query module is used to query the first wireless network information that is the same as the wireless network information, and the provident fund account information, provident fund extraction bank account information and provident fund extraction authority information associated with the first wireless network information from the blockchain , the provident fund account information is the provident fund account information of the second client, the provident fund withdrawal bank account information is the provident fund withdrawal bank account information of the second client, and the provident fund withdrawal authority information includes permission to withdraw the provident fund of the second client Operating at least one mobile banking registration information; The first sending module is configured to send the provident fund account information associated with the first wireless network information to the mobile banking of the first customer when the mobile banking registration information of the first customer exists in the provident fund withdrawal authority information, so that The first customer selects the provident fund account information to be operated from the provident fund account information associated with the first wireless network information; The second receiving module is used to receive the information of the provident fund account to be operated that is fed back by the first customer through mobile banking; The second query module is used to obtain from the block chain the provident fund extraction data information corresponding to the provident fund account information to be operated, where the provident fund extraction data information includes the second customer's house purchase contract information, loan information and customer identity information; A verification module, used to verify the validity of the provident fund extraction data information; The provident fund extraction module is configured to, after the validity verification of the provident fund extraction data information is passed, execute the second client's process according to the provident fund extraction request, the provident fund account information to be operated, and the provident fund extraction bank account information associated with the first wireless network information. Provident fund withdrawal operations; The second sending module is configured to send the provident fund withdrawal result of the second customer to the mobile banking of the first customer. 7. The device according to claim 6, further comprising a data uploading module, for after the second receiving module receives the to-be-operated provident fund account information fed back by the first customer through mobile banking: If there is no provident fund extraction data information corresponding to the provident fund account information to be operated in the blockchain, a data upload prompt message is sent to the first customer's mobile banking, and the data upload prompt information is used to prompt the first customer to upload the second customer's house purchase contract information, loan information and customer identification information; Receive the house purchase contract information, loan information and customer identity information of the second customer uploaded by the first customer through mobile banking; Use optical character recognition (OCR) to determine the customer signature information and date information in the second customer's house purchase contract information, loan information and customer identity information; Verify the validity of customer signature information and date information; After the validity verification of the customer's signature information and date information is passed, the second customer's provident fund withdrawal operation is performed according to the provident fund withdrawal request, the provident fund account information to be operated, and the provident fund withdrawal bank account information associated with the first wireless network information; Send the second customer's provident fund withdrawal result to the first customer's mobile banking. 8. device as claimed in claim 7 is characterized in that, data uploading module is also used for after the validity verification of customer signature information and date information passes through: Package and upload the provident fund account information to be operated, the second customer's house purchase contract information, loan information and customer identity information to the blockchain for storage. 9. The device according to claim 6, further comprising a wireless network binding module, for before the first receiving module receives the provident fund withdrawal request sent by the first customer through mobile banking: Receive a wireless network binding request sent by the second customer through mobile banking, where the wireless network binding request includes first wireless network information, and the first wireless network information is the wireless network connected to the mobile device to which the second customer's mobile banking belongs. network information; verifying the first wireless network information; After the verification is passed, send a provident fund account input prompt message to the mobile banking of the second customer, so that the second customer can input the provident fund account information bound with the first wireless network information; Receive the provident fund account information sent by the second customer through mobile banking; verify the provident fund account information of the second customer; After passing the verification, send a request for obtaining face information to the mobile banking of the second customer, where the request for obtaining face information is used to obtain the face information of the second customer; Receive the face information of the second customer fed back by the mobile banking of the second customer; conduct online verification of the face information of the second customer; After the online verification is passed, send the withdrawal account binding prompt information to the mobile banking of the second customer, so that the second customer can enter the provident fund withdrawal bank account information on the mobile banking interface according to the withdrawal account binding prompt information; Receive the provident fund withdrawal bank account information sent by the second customer's mobile banking; verify the provident fund withdrawal bank account information sent by the second customer's mobile banking; After the verification is passed, send a permission setting request to the mobile banking of the second customer, so that the second customer can set the provident fund withdrawal permission information; Receive the provident fund withdrawal authority information sent by the mobile banking of the second customer; The first wireless network information is associated with the second customer's provident fund account information, the second customer's provident fund withdrawal bank account information, and the provident fund withdrawal authority information, and is sent to the blockchain for storage. 10. The apparatus of claim 9, wherein the wireless network binding module is further configured to: The first wireless network information is sent to the blockchain, so that the nodes on the blockchain can perform unique verification on the first wireless network information. 11. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor implements any of claims 1 to 5 when the processor executes the computer program the method. 12 . A computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method of any one of claims 1 to 5 is implemented. 13 . 13. A computer program product, characterized in that the computer program product comprises a computer program, and when the computer program is executed by a processor, implements the method of any one of claims 1 to 5.

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