WO2020062642A1 - Blockchain-based method, device, and equipment for electronic contract signing, and storage medium - Google Patents

Abstract

Disclosed are a blockchain-based method, device, and equipment for electronic contract signing, and a storage medium. The method comprises: in response to a contract signing application triggered by a user terminal, acquiring user information uploaded by the user terminal, an identification code of a credit institution, and a loan business type; searching for an electronic contract template matching the loan business type in a prestored electronic contract template database, searching for credit institution information matching the identification code of the credit institution in a prestored credit institution information database; inputting the user information and the credit institution information into the electronic contract template to produce an electronic contract to be encrypted; based on a blockchain, encrypting the electronic contract to be encrypted to produce an encrypted electronic contract; issuing the encrypted contract respectively to the user terminal and to a contract management platform, receiving a contract signing confirmation instruction being fed back, and determining that the electronic contract is signed.

Description

Method, device, equipment and storage medium for signing electronic contract based on blockchain Ranch

This application claims the priority of a Chinese patent application filed on September 27, 2018 with the Chinese Patent Office, application number 201811136758.2, and the invention name is "blockchain-based electronic contract signing method, device, equipment and storage medium", which The entire contents are incorporated in the application by reference.

Technical field

The present application relates to the field of information security technology, and in particular, to a method, a device, a device, and a storage medium for signing an electronic contract based on a blockchain.

Background technique

With the development of Internet technology and its widespread use, electronic contracts have gradually replaced traditional paper contracts based on their ease of transmission, storage, and low cost. They have become a hotspot for enterprise applications.

At present, in order to ensure the security and compliance of electronic contracts, at least one trusted third party must participate in the signing process of electronic contracts, such as a certificate authority that maintains digital certificates. Authority (CA), or a notary office based on a particular credential. Although the CA center based on the public key infrastructure is technically reliable, the premise of reliability is that the electronic key (Ukey) of the hardware medium must be used, which seriously affects the convenience of the electronic contract. And based on the involvement of the notary office, although the objective and credible identity problem of the electronic contract platform can be solved legally, it can only be based on the moral trust of the notary office, and it cannot technically provide a reliable guarantee.

Therefore, there is an urgent need to provide an electronic contract signing method that is convenient in the signing process and that the contents of the contract are secure and credible without being tampered with.

Summary of the Invention

The main purpose of this application is to provide a method, device, equipment, and storage medium for signing an electronic contract based on a blockchain, which aims to solve the technical problems that the prior art electronic contract signing process is not convenient and the contract content is easily tampered with.

In order to achieve the above purpose, this application provides a method for signing an electronic contract based on a blockchain. The method includes the following steps: in response to a contract signing application triggered by a user terminal, obtaining user information uploaded by the user terminal, and a credit institution selected by the user; Identification code and loan business type; find the electronic contract template that matches the loan business type in the pre-stored electronic contract template library, and find the credit institution information that matches the credit institution's identification code in the pre-stored credit institution information database; according to the preset Rules, enter user information and credit institution information into the electronic contract template to obtain the electronic contract to be encrypted; based on the blockchain, encrypt the encrypted electronic contract to obtain an encrypted electronic contract; and issue the encrypted electronic contract to the user terminal and The contract management platform of the credit institution, and received feedback to confirm the contract signing instructions, confirming the completion of the electronic contract signing.

In addition, in order to achieve the above purpose, the present application also proposes an electronic contract signing device based on a blockchain. The device includes: an acquisition module, configured to respond to a contract signing application triggered by a user terminal, and obtain user information and users uploaded by the user terminal. The selected credit institution's identification code and loan business type; a search module, which is used to find the electronic contract template matching the loan business type in the pre-stored electronic contract template library, and find the identification with the credit institution in the pre-stored credit institution information database Code-matched credit institution information; a generation module for entering user information and credit institution information into an electronic contract template in accordance with a preset rule to obtain an electronic contract to be encrypted; an encryption module for using a blockchain to treat encrypted electronics The contract is encrypted to obtain an encrypted electronic contract; a determination module is used to send the encrypted electronic contract to the contract management platform of the user terminal and the credit institution, and receive feedback confirmation of the contract signing instruction to confirm that the electronic contract is signed.

In addition, in order to achieve the above purpose, this application also proposes a blockchain-based electronic contract signing device, which includes: a memory, a processor, and a blockchain-based electronic contract stored on the memory and capable of running on the processor. Signed readable instructions. Blockchain-based electronic contract signing readable instructions are configured to implement the steps of the blockchain-based electronic contract signing method as described above.

In addition, in order to achieve the above-mentioned object, the present application also proposes a storage medium. The storage medium stores readable instructions signed by the electronic contract based on the blockchain, and the readable instructions signed by the electronic contract based on the blockchain are executed by the processor. To implement the steps of the blockchain-based electronic contract signing method as described above.

The method, device, equipment and storage medium of the electronic contract signing based on the blockchain in this embodiment, by pre-storing electronic contract templates and related information of credit institutions that match various types of loan business, in the process of electronic contract signing As long as the user information uploaded by the user terminal and the relevant information of the credit institution selected by the user are input into the electronic contract template according to the preset rules, an electronic contract to be encrypted can be obtained, and the entire process is convenient and concise. In addition, in order to prevent the electronic contract from being intercepted by others during the delivery process and tamper with the contract content, this application uses the encryption principle of the blockchain to encrypt the content of the obtained electronic contract to be encrypted to obtain an encrypted electronic contract. It ensures that the electronic contract will not be tampered with randomly during the process of issuing to the contract parties, and effectively guarantees the security and reliability of the contract content.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic structural diagram of a blockchain-based electronic contract signing device in a hardware operating environment according to an embodiment of the present application;

2 is a schematic flowchart of a first embodiment of a method for signing an electronic contract based on a blockchain in this application;

3 is a schematic flowchart of a second embodiment of a method for signing an electronic contract based on a blockchain based on this application;

FIG. 4 is a structural block diagram of a first embodiment of an electronic contract signing device based on a blockchain in this application.

The implementation, functional features and advantages of the purpose of this application will be further described with reference to the embodiments and the drawings.

detailed description

It should be understood that the specific embodiments described herein are only used to explain the application, and are not used to limit the application.

Referring to FIG. 1, FIG. 1 is a schematic structural diagram of a blockchain-based electronic contract signing device in a hardware operating environment according to an embodiment of the present application.

As shown in FIG. 1, the blockchain-based electronic contract signing device may include: a processor 1001, such as a central processing unit (Central Processing Unit (CPU), communication bus 1002, user interface 1003, network interface 1004, and memory 1005. The communication bus 1002 is used to implement connection and communication between these components. The user interface 1003 may include a display, an input unit such as a keyboard, and the optional user interface 1003 may further include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WIreless-FIdelity (WI-FI) interface). The memory 1005 may be a high-speed random access memory (Random Access Memory (RAM) memory, or non-volatile memory (Non-Volatile) Memory (NVM), such as disk storage. The memory 1005 may optionally be a storage device independent of the foregoing processor 1001.

Those skilled in the art can understand that the structure shown in FIG. 1 does not constitute a limitation on a blockchain-based electronic contract signing device, and may include more or fewer components than shown, or a combination of some components, or Different component arrangements.

As shown in FIG. 1, the memory 1005 as a storage medium may include an operating system, a network communication module, a user interface module, and a blockchain-based electronic contract signing program (that is, a readable and signed electronic contract based on the blockchain is readable). instruction).

In the blockchain-based electronic contract signing device shown in FIG. 1, a network interface 1004 is mainly used for data communication with a user terminal and a contract management platform; a user interface 1003 is mainly used for data interaction with a user; this application is based on a zone The processor 1001 and the memory 1005 in the electronic contract signing device of the blockchain can be set in the electronic contract signing device based on the blockchain. The electronic contract signing device based on the blockchain calls the area-based storage device in the memory 1005 through the processor 1001. A readable instruction for signing an electronic contract of a block chain, and executing a method for signing an electronic contract based on a block chain provided by the embodiment of the present application.

An embodiment of the present application provides a method for signing an electronic contract based on a blockchain. Referring to FIG. 2, FIG. 2 is a schematic flowchart of a first embodiment of a method for signing an electronic contract based on a blockchain.

In this embodiment, a method for signing an electronic contract based on a blockchain includes the following steps:

Step S10: in response to the contract signing application triggered by the user terminal, acquiring user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan service type.

Specifically, in order to facilitate the use of individuals and small and micro enterprises, the execution subject in this embodiment may specifically be a third-party platform (hereinafter referred to as an electronic contract platform) specifically for electronic contract signing, that is, all enterprises and enterprises, enterprises The contracts that need to be signed with individuals, individuals and individuals can be completed through this platform, and the parties to the transaction only need to pay a small fee, without any technical investment.

Correspondingly, in order to ensure security and facilitate the management of funds by credit institutions, the electronic contract platform can also be specially constructed by credit institutions that provide credit services, mainly used to complete the signing of contracts between credit institutions and customers.

In addition, the obtained user information may specifically include the user ’s name, ID card number, mobile phone number, common email address, instant messaging account (such as QQ, WeChat, etc.), home address, and designated loan issuing account number (that is, Loan account number) and designated loan repayment account numbers, etc., are not listed here one by one, and there are no restrictions on this. In specific implementation, those skilled in the art can reasonably set the filtering of the information to be obtained according to needs. Field.

It should be understood that, in specific implementation, in order to better identify the user identity, the user information may further include biometric information such as the user's face image information, voiceprint information, and iris information.

In addition, it is worth mentioning that in order to ensure that the user who initiated the contract signing application is the user corresponding to the above user information, that is, it is not a fraudulent user who stole the user's user information by an impostor loan. The contract platform needs to verify the user information, and only after the user information is determined to be valid, does the subsequent electronic contract signing operation be performed.

Regarding the operation of verifying the user information and determining the validity of the user information, the specific steps can be implemented as follows:

(1) The first biometric information of the user corresponding to the identification number is obtained from the citizenship information system, such as face image information, Voiceprint information, iris information, etc.

Specifically, the above-mentioned citizenship information system refers specifically to an information system used by the public security department to store basic identity information and biometric information of users when applying for an identity card for citizens.

(2) Send a biometric feature collection instruction to the user terminal, so that the user terminal collects the second biometric information of the user who initiated the contract signing application according to the biometric feature collection instruction.

For example, when the first biometric information obtained from the citizenship information system is iris information, the biometric acquisition instruction issued by the electronic contract platform to the user terminal specifically controls the user terminal to call a built-in image acquisition device or an external communication connection. The image acquisition device collects the iris image of the user who initiated the contract signing application and extracts the iris information of the user who initiated the contract signing application from the captured iris image according to the corresponding iris extraction technology as the second biometric information.

(3) Receive the second biometric information uploaded by the user terminal, and compare the second biometric information with the first biometric information.

(4) If the second biometric information matches the first biometric information, it is determined that the user information is valid.

Further, when obtaining the second biometric information, the electronic contract platform may issue various random action instructions to the user's user terminal, so that the user can perform corresponding actions or speak corresponding content according to the random action instructions, thereby Avoid others using photos or recordings to impersonate users, causing unnecessary financial losses to users and credit institutions.

In addition, the above-mentioned identification number of the credit structure may specifically be an industrial and commercial registration number of a credit institution, or other identification numbers that can identify the uniqueness of a credit institution, which are not listed here one by one, and there is no restriction on this.

In addition, the types of loan business mentioned above can be various types of loan business types such as house purchase loan, car purchase loan, student loan, etc. They are not listed here one by one, and there are no restrictions on this.

Step S20: Look up an electronic contract template that matches the type of loan business in the pre-stored electronic contract template library, and look up credit institution information that matches the identification code of the credit institution in the pre-stored credit institution information database.

Specifically, the above-mentioned operation of finding an electronic contract template that matches the loan business type in the pre-stored electronic contract template library is roughly as follows:

According to a pre-built first mapping relationship table, an electronic contract template matching the loan business type is found in the electronic contract template library.

It should be understood that the first mapping relationship table mentioned herein is mainly used to store the correspondence between the loan business type and the electronic contract template.

For example, when the type of loan business is a house purchase loan, the corresponding electronic contract template should display various information in the house purchase transaction, such as the address of the house to be purchased, the developer, the total amount of the loan, the designated loan account number, and repayment. The account number, interest, loan period, etc. are not listed here one by one, and there are no restrictions on this.

In addition, the operation of searching for credit institution information matching the credit institution identification code in the pre-stored credit institution information database is as follows:

According to the pre-built second mapping relationship table, the credit institution information that matches the identification code of the credit institution is found in the credit institution information database.

It should be understood that the second mapping relationship table mentioned herein is mainly used to store the correspondence between the identification code of the credit institution and the credit institution information.

In addition, the above-mentioned identification code should be an identification code that can uniquely identify a credit institution, such as a formula registration number of a credit institution.

Step S30: Enter user information and credit institution information into an electronic contract template according to a preset rule to obtain an electronic contract to be encrypted.

Specifically, the above-mentioned preset rules are pre-set filling rules that need to be followed during the electronic contract signing process, that is, which area in the electronic contract template is required to fill in the user's name, ID number, contact Phone, designated loan issuing account number and designated loan repayment account number, which area is required to fill in credit institution information, and which area is required to fill in information such as loan amount and loan period.

Step S40: The encrypted electronic contract is encrypted based on the blockchain to obtain an encrypted electronic contract.

Regarding, the operation in step S40 can be specifically implemented by the following steps:

Step 1: Assign a block serial number to the electronic contract to be encrypted, and assign a corresponding serial number to all characters in the electronic contract to be encrypted.

It should be noted that the serial number is mainly used to identify the position of the character corresponding to the serial number in the electronic contract to be encrypted.

Step 2: Assign random parameters to each character according to the block serial number and the serial number of each character.

Step 3: Calculate the cyclic redundancy check code of each character according to the coding rules of the cyclic redundancy check code.

Step 4: traverse each character in the encrypted electronic contract, calculate the fixed code of the current character according to the block serial number, the traversed current character, the cyclic redundancy check code of the current character, and the serial number corresponding to the current character, and Encrypt the current character according to the fixed code and random parameters corresponding to the current character to obtain the encrypted character of the current character.

It should be noted that, in this embodiment, when the current character is encrypted according to the fixed code and random parameters corresponding to the current character, the encryption algorithm used may specifically be a data encryption algorithm (Data Encryption Algorithm (DEA).

Of course, those skilled in the art can also choose other encryption algorithms to encrypt the above content according to needs, such as any data encryption algorithms such as commonly used hash encryption algorithms, which are not listed here one by one, nor are there any restrictions on this.

Because the encryption of the content of the electronic contract in this case does not limit the encryption algorithm, it treats the encrypted electronic contract through the combination and arrangement of the above various parameters, so that the security of the content of the electronic contract can be guaranteed no matter what encryption algorithm is used Therefore, the specific implementation of various encryption algorithms will not be repeated here.

In addition, in the encryption method given in this application, a block serial number is assigned to the electronic contract to be encrypted, and then all characters in the electronic contract to be encrypted are assigned corresponding serial numbers, random parameters, and cyclic redundancy check codes and The fixed code is then used to encrypt the entire electronic contract file by encrypting each character. Therefore, even if the encrypted electronic contract is intercepted by others during the distribution process, it will not be able to obtain the decryption information of each character. The decryption of the characters effectively guarantees the security of the contract content.

Moreover, this case encrypts each character instead of encrypting the entire text at one time, so that the typesetting and format of the electronic contract will not be affected by the encryption process, and the electronic contract after decryption will not be damaged.

Step 5: Obtain the encrypted characters corresponding to each character in turn, and generate an encrypted electronic contract based on all the obtained encrypted characters.

For example, the obtained encrypted characters are sorted according to the original serial number of each character to obtain an encrypted electronic contract; or, according to a preset random arrangement rule, the encrypted characters are randomly arranged to obtain an encrypted electronic contract. Specifically, The implementation manner can be set by a person skilled in the art according to requirements, and there is no limitation this time.

Step S50: The encrypted electronic contract is sent to the user terminal and the contract management platform of the credit institution, and the feedback confirms the contract signing instruction to confirm that the electronic contract is signed.

Specifically, the contract management platform of a credit institution can be a server built by a credit institution and used to store various electronic contracts.

In addition, regarding the confirmation of the contract signing instructions for receiving feedback, and the determination of the completion of the electronic contract signing, the specific steps can be implemented by the following steps:

First, receive the first confirmation contract signing instruction feedback from the user terminal, and record the first time when the first confirmation contract signing instruction is received; receive the second confirmation contract signing instruction feedback from the contract management platform, and record the receipt of the second confirmation contract The second time to sign the order.

Then, it is judged whether the first time and the second time are both over time and sub, and if both the first time and the second time do not exceed the time threshold, it is determined that the electronic contract is signed.

In other words, after the encrypted electronic contract is sent to the user terminal and the contract management platform of the credit institution, the electronic contract platform will receive the confirmation of the contract signing instructions from both parties to the contract, that is, after reviewing the contract, the two parties determine that there is no objection This contract can take effect and has legal effects.

In addition, it should be understood that the above-mentioned time threshold specifically refers to the fact that an electronic contract needs to be signed within a reasonable period of time from signing to entry into force. Otherwise, if either party to the contract forgets the contract for personal reasons, but This electronic contract has been waiting for confirmation, which will undoubtedly cause a waste of electronic contract platform resources.

Correspondingly, when users and business personnel of credit institutions view encrypted electronic contracts, their respective terminal devices need to decrypt in accordance with the inverse process of the above-mentioned encryption process, and then they can view the actual contract content and determine whether the contract is reasonable and required. Modify and then make the corresponding contract signing instructions, such as confirming the contract signing instructions or modifying the contract signing instructions.

The decryption process for encrypted electronic contracts is roughly as follows:

First, obtain the block serial number of the encrypted electronic contract and all the encrypted characters and the serial number corresponding to each encrypted character in the encrypted electronic contract.

Then, each encrypted character in the encrypted electronic contract is traversed, and the fixed code corresponding to the current encrypted character traversed is obtained according to the displayable character code table and the remainder operation rule stored in a storage area inaccessible to the user in advance.

It should be noted that the displayable character code table in this embodiment may specifically be an American Standard Code for Information Interchange (American Standard Code for Information Interchange (ASCII) table, the character codes stored therein are specifically ACSII codes.

Further, in order to ensure security and avoid others or the ACSII code table, through a large number of arithmetic operations to decrypt the startup password, the ACSII code table can be regularly updated as needed. For specific implementation methods, those skilled in the art can Set, there are no restrictions here.

Then, a cyclic redundancy check code of the pre-encrypted character is obtained.

It should be noted that the pre-encrypted character referred to here is an encrypted character located one digit before the current encrypted character, and the cyclic redundancy check code of the pre-encrypted character is the cyclic redundancy check code of the previous encrypted character.

Then, according to the inverse operation rule of the fixed code, the inverse operation is performed on the fixed code, the block serial number, the serial number of the current encrypted character, and the cyclic redundancy check code of the previous encrypted character to obtain the original character corresponding to the currently encrypted character.

Finally, after decrypting all the encrypted characters in the encrypted electronic contract, it is determined that the decryption of the encrypted electronic contract is successful.

In this embodiment, electronic contract templates and related information of credit institutions that match various types of loan business are stored in advance, so that during the process of electronic contract signing, only the user information and users uploaded by the user terminal need to be uploaded according to preset rules. The relevant information of the selected credit institution is entered into the electronic contract template, and an electronic contract to be encrypted can be obtained, and the whole process is convenient and concise.

In addition, in order to prevent the electronic contract from being intercepted by others during the delivery process and tamper with the contract content, this embodiment uses the encryption principle of the blockchain to encrypt the content in the obtained electronic contract to be encrypted to obtain an encrypted electronic contract. This ensures that the electronic contract will not be tampered with randomly during the process of being issued to both parties to the contract, effectively ensuring the security and reliability of the contract content.

It should be understood that the above is only a specific implementation manner, and does not constitute any limitation to the technical solution of the present application. In the specific implementation, those skilled in the art can set as needed, and there is no limitation here.

Referring to FIG. 3, FIG. 3 is a schematic flowchart of a second embodiment of a method for signing an electronic contract based on a blockchain.

Based on the above first embodiment, the method for signing an electronic contract based on a blockchain in this embodiment after step S50 further includes:

Step S60: Monitor the flow of the loan amount in the loan account carried in the user information to ensure that the loan amount is dedicated.

Regarding, monitoring the flow of the loan amount in the loan account carried in the user information to ensure the special operation of the loan amount can be achieved by the following steps:

Step 1: Receive the loan amount expenditure confirmation application for the loan account uploaded by the user terminal, and extract the receiving account number from the loan amount expenditure confirmation application.

Specifically, the loan account referred to here is specifically a bank account for receiving loans from a credit institution that is reserved when a user applies for a loan.

The loan amount expenditure confirmation application is specifically generated when the user uses the loan account to make a payment transaction based on the transaction content, such as the purchased product information, the merchant's designated payment account (traditional bank card number or electronic wallet, etc.), and the total price of the product. of. Therefore, after receiving the loan amount expenditure confirmation application for the loan account uploaded by the user terminal, the electronic contract platform can extract the loan account number from the loan amount expenditure confirmation application.

Step 2: Obtain account information corresponding to the receiving account according to the receiving account.

Specifically, whether it is a bank card or an electronic wallet, applicants usually need to submit relevant information. Therefore, when obtaining a payment account, various account information corresponding to the payment account can be easily obtained.

For example, when the beneficiary account number is a bank card number, the electronic contract platform can obtain the account information corresponding to the bank card number through the banking system with which it is established, such as the account bank and account holder information.

In addition, it should be understood that when the bank card number is the account number provided by the enterprise, the account holder information may specifically be the legal person information of the public channel; when the bank card number is the account of an individual user, the account holder information is the personal information of the card holder .

Further, in order to verify the legitimacy of the enterprise, when the acquired account number is a bank card number used by the enterprise, the information corresponding to the card number may also include the enterprise's tax number, business registration number, credit code, address and other information. Here, it is not listed here one by one, and there are no restrictions on this. In specific implementation, those skilled in the art can reasonably set the filtering fields of the information to be obtained according to the needs.

For another example, when the payment account number is an electronic wallet card number, the electronic contract platform can use the existing web crawler technology to obtain corresponding registration information, such as account holder information, contact information, and address, etc., which are not listed here one by one. There are no restrictions on this.

Step 3: Determine whether the type of loan business matches the type of business carried in the account information.

Specifically, if it is determined that the type of loan business matches the type of business carried in the account information, step 4 is performed; otherwise, step 5 is performed.

Step 4: If the type of loan business matches the type of business carried in the account information, agree to the loan amount expense confirmation application.

Step 5: If the type of loan business does not match the type of business carried in the account information, the application for confirmation of loan amount expenditure is rejected.

To facilitate understanding, the following examples are used for illustration:

For example, if the type of loan business selected by the user is a student loan, and the receiving account number for the transaction is the account number of a shopping platform, the type of business carried in the account information corresponding to the account number is the shopping type.

Obviously, the type of loan business does not match the type of business carried in the account information. At this time, in order to ensure the exclusive use of the loan amount, the electronic contract platform will issue a rejection application for the loan amount to the user terminal. Remit a receiving account.

Correspondingly, when the type of loan business selected by the user is a student loan, if the receiving account number for the transaction is an education institution or the receiving account number reserved when the user originally signed the loan contract, the loan business type and account number can be determined The type of business carried in the information is matched, so the electronic contract platform will issue a user's terminal to confirm the loan amount expenditure confirmation application, so that the loan amount is remitted from the loan account to the receiving account.

It should be understood that the above is only a specific implementation manner for monitoring the flow of the loan amount in the loan account carried in the user information, and the technical solution of this application does not constitute any limitation. In the specific implementation, the present Those skilled in the art can set it as required, and there is no limitation here.

In this embodiment, after the completion of the electronic contract is determined, by monitoring the flow of the loan amount in the loan account carried in the user information after determining that the electronic contract is signed, when the type of the loan business does not match the type of the enterprise corresponding to the account number in the transaction process, The refusal of the loan amount flows from the loan account to the receiving account, thereby limiting the lender's strict compliance with the provisions of the electronic contract and making the loan amount applied for special purpose, which can greatly reduce the risk of credit agency credit losses.

In addition, it is worth mentioning that, in specific implementation, in order to further ensure the reliability of the electronic contract, after confirming that the electronic contract is signed, the electronic contract platform can publish the electronic contract to a blockchain-based server for storage. This guarantees the security and credibility of the electronic contract, while avoiding the parties to modify the content of the contract at will, it can also effectively prevent illegal users from misappropriating the electronic contract (this is because if you want to attack the server, hackers need to decipher 5% Eleven blocks are costly and almost impossible to achieve).

It should be noted that a person of ordinary skill in the art may understand that all or part of the steps for implementing the foregoing embodiments may be completed by hardware, or may be performed by computer-readable instructions controlling related hardware. The computer-readable instructions may be stored in a type Among the non-volatile computer-readable storage media, the aforementioned non-volatile readable storage medium may be a read-only memory, a magnetic disk, or an optical disk.

Referring to FIG. 4, FIG. 4 is a structural block diagram of a first embodiment of an electronic contract signing device based on a blockchain in this application.

As shown in FIG. 4, the electronic contract signing device based on the blockchain proposed in the embodiment of the present application includes an acquisition module 4001, a search module 4002, a generation module 4003, an encryption module 4004, and a determination module 4005.

The obtaining module 4001 is configured to obtain user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan service type in response to a contract signing application triggered by the user terminal.

A search module 4002 is configured to search an electronic contract template matching a loan business type in a pre-stored electronic contract template library, and search for credit institution information matching a credit institution identification code in a pre-stored credit institution information database.

In practical applications, the operation performed by the search module 4002 can be detailed into the following steps: according to a pre-built first mapping relationship table, find an electronic contract template that matches the loan business type in the electronic contract template library; according to the pre-built The second mapping relationship table searches the credit institution information database for credit institution information that matches the identification code of the credit institution.

It should be understood that the first mapping relationship table mentioned here is mainly used to store the correspondence between the loan business type and the electronic contract template, and the second mapping relationship table is mainly used to store the identification number of the credit institution and the credit institution. Correspondence between information.

A generating module 4003 is configured to input user information and credit institution information into an electronic contract template according to a preset rule to obtain an electronic contract to be encrypted.

An encryption module 4004 is used to encrypt an electronic contract to be encrypted based on a blockchain to obtain an encrypted electronic contract.

In practical applications, the operations performed by the encryption module 4004 can be detailed into the following steps: assign a block serial number to the electronic contract to be encrypted, and assign corresponding serial numbers to all characters in the electronic contract to be encrypted. To identify the position of the corresponding character in the electronic contract to be encrypted; assign random parameters to each character according to the block serial number and the serial number of each character; calculate the character of each character according to the encoding rules of the cyclic redundancy check code Cyclic redundancy check code; traverse each character in the encrypted electronic contract, and calculate the current character based on the block serial number, the current character traversed, the cyclic redundancy check code of the current character, and the serial number corresponding to the current character. A fixed code, and the current character is encrypted according to the fixed code and random parameters corresponding to the current character to obtain the encrypted character of the current character; the encrypted characters corresponding to each character are sequentially obtained, and an encrypted electronic contract is generated based on all the encrypted characters obtained.

A determining module 4005 is configured to send the encrypted electronic contract to the contract management platform of the user terminal and the credit institution, respectively, and receive the confirmation of the contract signing instruction to confirm that the electronic contract is signed.

Specifically, in actual application, the operation performed by the determination module 4005 can be detailed into the following steps: receiving the first confirmation contract signing instruction fed back by the user terminal, and recording the first time when the first confirmation contract signing instruction is received; Receive the second confirmation contract signing instruction feedback from the contract management platform, and record the second time when the second confirmation contract signing instruction is received; determine that the first time and the second time do not exceed the time threshold, and confirm that the electronic contract signing is completed.

In addition, it is worth mentioning that, in practical applications, in order to ensure the economic benefits of users and credit institutions and prevent criminals from stealing user information to apply for loans, the electronic contract signing device based on the blockchain provided in this embodiment also A user information verification module may be included.

Correspondingly, when verifying user information, the user information verification module mainly determines that the user information is valid by: first, obtaining the first user of the user corresponding to the identity identification number according to the identification number carried in the user information to identify the user identity; Biometric information; then, send a biometric feature collection instruction to the user terminal, so that the user terminal collects the second biometric information of the user who initiated the contract signing application according to the biometric collection instruction; Information, comparing the second biometric information with the first biometric information; finally, if the second biometric information matches the first biometric information, it is determined that the user information is valid.

It is not difficult to find from the above description that the electronic contract signing device based on the blockchain provided in this embodiment stores electronic contract templates and related information of credit institutions that match various types of loan business in advance, thereby performing electronic contract signing. In the process, simply enter the user information uploaded by the user terminal and the relevant information of the credit institution selected by the user into the electronic contract template according to the preset rules, and an electronic contract to be encrypted can be obtained. The entire process is convenient and concise.

In addition, in order to prevent the electronic contract from being intercepted by others during the delivery process and tamper with the contract content, this embodiment uses the encryption principle of the blockchain to encrypt the content in the obtained electronic contract to be encrypted to obtain an encrypted electronic contract. This ensures that the electronic contract will not be tampered with randomly during the process of being issued to both parties to the contract, effectively ensuring the security and reliability of the contract content.

Based on the first embodiment of the electronic contract signing device based on the blockchain, a second embodiment of the electronic contract signing device based on the blockchain is proposed in the present application.

In this embodiment, the blockchain-based electronic contract signing device further includes a monitoring module, which is used to monitor the flow of the loan amount in the loan account carried in the user information to ensure the exclusive use of the loan amount.

The operation of the monitoring module to monitor the flow of the loan amount in the loan account carried in the user information may specifically include: receiving a loan amount expenditure confirmation application for the loan account uploaded by the user terminal, and extracting a receiving account number from the loan amount expenditure confirmation application; Obtain the account information corresponding to the beneficiary account according to the beneficiary account; determine whether the type of loan business matches the type of business carried in the account information; if the type of loan business matches the type of business carried in the account information, agree to the loan amount expenditure confirmation application ; If the type of loan business does not match the type of business carried in the account information, the application for confirmation of loan amount expenditure is rejected.

In this embodiment, after the completion of the electronic contract is determined, by monitoring the flow of the loan amount in the loan account carried in the user information after determining that the electronic contract is signed, when the type of the loan business does not match the type of the enterprise corresponding to the account number in the transaction process, The refusal of the loan amount flows from the loan account to the receiving account, thereby limiting the lender's strict compliance with the provisions of the electronic contract and making the loan amount applied for special purpose, which can greatly reduce the risk of credit agency credit losses.

Claims (20)

A method for signing an electronic contract based on a blockchain, the method includes: In response to a contract signing application triggered by a user terminal, obtaining user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan business type; Searching a pre-stored electronic contract template library for an electronic contract template matching the loan business type, and searching for a credit institution information matching the credit institution's identification code in a pre-stored credit institution information database; Inputting the user information and the credit institution information into the electronic contract template according to a preset rule to obtain an electronic contract to be encrypted; Encrypting the electronic contract to be encrypted based on the blockchain to obtain an encrypted electronic contract; Sending the encrypted electronic contract to the user terminal and the contract management platform of the credit institution, and receiving the feedback confirming the contract signing instruction to determine that the electronic contract is signed. The method according to claim 1, after the step of obtaining user information uploaded by the user terminal, the method further comprises: Verifying the user information to determine that the user information is valid; The verifying the user information and determining that the user information is valid specifically includes: Obtaining the first biometric information of the user corresponding to the identity identification number according to the identity identification number that carries the identity of the user carried in the user information; Sending a biometric feature collection instruction to the user terminal, so that the user terminal collects the second biometric information of the user who initiated the contract signing application according to the biometric feature collection instruction; Receiving the second biometric information uploaded by the user terminal, and performing feature comparison between the second biometric information and the first biometric information; If the second biometric information matches the first biometric information, it is determined that the user information is valid. The method according to claim 1, wherein the step of searching for an electronic contract template matching the loan business type in a pre-stored electronic contract template library comprises: According to a pre-built first mapping relationship table, an electronic contract template matching the loan business type is found in the electronic contract template library, and the first mapping relationship table is the loan business type and the electronic contract template Correspondence between. The method according to claim 1, wherein the step of searching for credit institution information matching the identification code of the credit institution in a pre-stored credit institution information database comprises: According to a pre-built second mapping relationship table, the credit institution information matching the identification code of the credit institution is found in the credit institution information database, and the second mapping relationship table is the identification code of the credit institution and all The corresponding relationship between credit institution information is described. The method according to claim 1, wherein the step of encrypting the electronic contract to be encrypted based on a blockchain to obtain an encrypted electronic contract comprises: Assign a block serial number to the electronic contract to be encrypted, and assign a corresponding serial number to all characters in the electronic contract to be encrypted, and the serial number is used to identify the corresponding character in the electronic contract to be encrypted Location Assign random parameters to each character according to the block serial number and each character's serial number; Calculate the cyclic redundancy check code of each character according to the coding rules of the cyclic redundancy check code; Traverse each character in the to-be-encrypted electronic contract, and calculate all data according to the block serial number, the traversed current character, the cyclic redundancy check code of the current character, and the serial number corresponding to the current character The fixed code of the current character, and encrypting the current character according to the fixed code and the random parameter corresponding to the current character to obtain the encrypted character of the current character; The encrypted characters corresponding to each character are sequentially obtained, and the encrypted electronic contract is generated according to all the obtained encrypted characters. The method according to claim 1, wherein the step of receiving a feedback confirming contract signing instruction and determining that the electronic contract signing is completed comprises: Receiving the first confirmation contract signing instruction fed back by the user terminal, and recording the first time when the first confirmation contract signing instruction is received; Receiving a second confirmation contract signing instruction fed back by the contract management platform, and recording a second time when the second confirmation contract signing instruction is received; If neither the first time nor the second time exceeds a time threshold, it is determined that the signing of the electronic contract is completed. The method according to claim 1, after the step of determining that the electronic contract is signed, the method further comprises: Monitoring the flow of the loan amount in the loan account carried in the user information to ensure that the loan amount is dedicated; The monitoring the flow of the loan amount in the loan account carried in the user information to ensure that the special amount of the loan amount is dedicated, specifically includes: Receiving a loan amount expenditure confirmation application for the loan account uploaded by the user terminal, and extracting a receiving account number from the loan amount expenditure confirmation application; Obtaining account information corresponding to the receiving account according to the receiving account; Determining whether the type of loan business matches the type of business carried in the account information; If the loan business type matches the type of business carried in the account information, agreeing to the loan amount expenditure confirmation application; If the loan business type does not match the type of business carried in the account information, the loan amount expenditure confirmation application is rejected. An electronic contract signing device based on a blockchain, the device includes: An obtaining module, configured to obtain user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan service type in response to a contract signing application triggered by the user terminal; A search module, configured to find an electronic contract template matching the loan business type in a pre-stored electronic contract template library, and search for credit institution information matching the identification code of the credit institution in a pre-stored credit institution information database; A generating module, configured to input the user information and the credit institution information into the electronic contract template according to a preset rule to obtain an electronic contract to be encrypted; An encryption module, configured to encrypt the electronic contract to be encrypted based on the blockchain to obtain an encrypted electronic contract; A determining module, configured to deliver the encrypted electronic contract to the user terminal and the contract management platform of the credit institution, respectively, and receive a feedback confirming contract signing instruction to determine that the electronic contract is signed. A blockchain-based electronic contract signing device, the device includes: a memory, a processor, and a readable instruction based on a blockchain-based electronic contract that is stored on the memory and can run on the processor. The readable instructions signed by the blockchain-based electronic contract are configured to implement the following steps: In response to a contract signing application triggered by a user terminal, obtaining user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan business type; Searching a pre-stored electronic contract template library for an electronic contract template matching the loan business type, and searching for a credit institution information matching the credit institution's identification code in a pre-stored credit institution information database; Inputting the user information and the credit institution information into the electronic contract template according to a preset rule to obtain an electronic contract to be encrypted; Encrypting the electronic contract to be encrypted based on the blockchain to obtain an encrypted electronic contract; Sending the encrypted electronic contract to the user terminal and the contract management platform of the credit institution, and receiving the feedback confirming the contract signing instruction to determine that the electronic contract is signed. The electronic contract signing device based on the blockchain according to claim 9, after the step of obtaining user information uploaded by the user terminal, the method further comprises: Verifying the user information to determine that the user information is valid; The verifying the user information and determining that the user information is valid specifically includes: Obtaining the first biometric information of the user corresponding to the identity identification number according to the identity identification number that carries the identity of the user carried in the user information; Sending a biometric feature collection instruction to the user terminal, so that the user terminal collects the second biometric information of the user who initiated the contract signing application according to the biometric feature collection instruction; Receiving the second biometric information uploaded by the user terminal, and performing feature comparison between the second biometric information and the first biometric information; If the second biometric information matches the first biometric information, it is determined that the user information is valid. The blockchain-based electronic contract signing device according to claim 9, wherein the step of finding an electronic contract template matching the loan business type in a pre-stored electronic contract template library comprises: According to a pre-built first mapping relationship table, an electronic contract template matching the loan business type is found in the electronic contract template library, and the first mapping relationship table is the loan business type and the electronic contract template Correspondence between. The blockchain-based electronic contract signing device according to claim 9, wherein the step of searching for credit institution information matching the identification code of the credit institution in a pre-stored credit institution information database comprises: According to a pre-built second mapping relationship table, the credit institution information matching the identification code of the credit institution is found in the credit institution information database, and the second mapping relationship table is the identification code of the credit institution and all The corresponding relationship between credit institution information is described. The device for signing an electronic contract based on a blockchain according to claim 9, wherein the step of encrypting the electronic contract to be encrypted based on the blockchain to obtain an encrypted electronic contract comprises: Assign a block serial number to the electronic contract to be encrypted, and assign a corresponding serial number to all characters in the electronic contract to be encrypted, and the serial number is used to identify the corresponding character in the electronic contract to be encrypted Location Assign random parameters to each character according to the block serial number and each character's serial number; Calculate the cyclic redundancy check code of each character according to the coding rules of the cyclic redundancy check code; Traverse each character in the to-be-encrypted electronic contract, and calculate all data according to the block serial number, the traversed current character, the cyclic redundancy check code of the current character, and the serial number corresponding to the current character The fixed code of the current character, and encrypting the current character according to the fixed code and the random parameter corresponding to the current character to obtain the encrypted character of the current character; The encrypted characters corresponding to each character are sequentially obtained, and the encrypted electronic contract is generated according to all the obtained encrypted characters. The blockchain-based electronic contract signing device according to claim 9, wherein the step of receiving the feedback confirmation contract signing instruction and determining that the electronic contract signing is completed comprises: Receiving the first confirmation contract signing instruction fed back by the user terminal, and recording the first time when the first confirmation contract signing instruction is received; Receiving a second confirmation contract signing instruction fed back by the contract management platform, and recording a second time when the second confirmation contract signing instruction is received; If neither the first time nor the second time exceeds a time threshold, it is determined that the signing of the electronic contract is completed. The blockchain-based electronic contract signing device according to claim 9, after the step of determining that the electronic contract is signed, the method further comprises: Monitoring the flow of the loan amount in the loan account carried in the user information to ensure that the loan amount is dedicated; The monitoring the flow of the loan amount in the loan account carried in the user information to ensure that the special amount of the loan amount is dedicated, specifically includes: Receiving a loan amount expenditure confirmation application for the loan account uploaded by the user terminal, and extracting a receiving account number from the loan amount expenditure confirmation application; Obtaining account information corresponding to the receiving account according to the receiving account; Determining whether the type of loan business matches the type of business carried in the account information; If the loan business type matches the type of business carried in the account information, agreeing to the loan amount expenditure confirmation application; If the loan business type does not match the type of business carried in the account information, the loan amount expenditure confirmation application is rejected. A storage medium stores readable instructions signed by a blockchain-based electronic contract, and the readable instructions signed by a blockchain-based electronic contract implement the following steps when executed by a processor: In response to a contract signing application triggered by a user terminal, obtaining user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan business type; Searching a pre-stored electronic contract template library for an electronic contract template matching the loan business type, and searching for a credit institution information matching the credit institution's identification code in a pre-stored credit institution information database; Inputting the user information and the credit institution information into the electronic contract template according to a preset rule to obtain an electronic contract to be encrypted; Encrypting the electronic contract to be encrypted based on the blockchain to obtain an encrypted electronic contract; Sending the encrypted electronic contract to the user terminal and the contract management platform of the credit institution, and receiving the feedback confirming the contract signing instruction to determine that the electronic contract is signed. The storage medium according to claim 16, after the step of obtaining user information uploaded by the user terminal, the method further comprises: Verifying the user information to determine that the user information is valid; The verifying the user information and determining that the user information is valid specifically includes: Obtaining the first biometric information of the user corresponding to the identity identification number according to the identity identification number that carries the identity of the user carried in the user information; Sending a biometric feature collection instruction to the user terminal, so that the user terminal collects the second biometric information of the user who initiated the contract signing application according to the biometric feature collection instruction; Receiving the second biometric information uploaded by the user terminal, and performing feature comparison between the second biometric information and the first biometric information; If the second biometric information matches the first biometric information, it is determined that the user information is valid. The storage medium according to claim 16, wherein the step of encrypting the electronic contract to be encrypted based on a blockchain to obtain an encrypted electronic contract comprises: Assign a block serial number to the electronic contract to be encrypted, and assign a corresponding serial number to all characters in the electronic contract to be encrypted, and the serial number is used to identify the corresponding character in the electronic contract to be encrypted Location Assign random parameters to each character according to the block serial number and each character's serial number; Calculate the cyclic redundancy check code of each character according to the coding rules of the cyclic redundancy check code; Traverse each character in the to-be-encrypted electronic contract, and calculate all data according to the block serial number, the traversed current character, the cyclic redundancy check code of the current character, and the serial number corresponding to the current character The fixed code of the current character, and encrypting the current character according to the fixed code and the random parameter corresponding to the current character to obtain the encrypted character of the current character; The encrypted characters corresponding to each character are sequentially obtained, and the encrypted electronic contract is generated according to all the obtained encrypted characters. The storage medium according to claim 16, wherein the step of receiving the confirmation of the contract signing instruction and determining the completion of the signing of the electronic contract comprises: Receiving the first confirmation contract signing instruction fed back by the user terminal, and recording the first time when the first confirmation contract signing instruction is received; Receiving a second confirmation contract signing instruction fed back by the contract management platform, and recording a second time when the second confirmation contract signing instruction is received; If neither the first time nor the second time exceeds a time threshold, it is determined that the signing of the electronic contract is completed. The storage medium of claim 16, after the step of determining that the electronic contract is signed, the method further comprises: Monitoring the flow of the loan amount in the loan account carried in the user information to ensure that the loan amount is dedicated; The monitoring the flow of the loan amount in the loan account carried in the user information to ensure that the special amount of the loan amount is dedicated, specifically includes: Receiving a loan amount expenditure confirmation application for the loan account uploaded by the user terminal, and extracting a receiving account number from the loan amount expenditure confirmation application; Obtaining account information corresponding to the receiving account according to the receiving account; Determining whether the type of loan business matches the type of business carried in the account information; If the loan business type matches the type of business carried in the account information, agreeing to the loan amount expenditure confirmation application; If the loan business type does not match the type of business carried in the account information, the loan amount expenditure confirmation application is rejected.