CN-121998760-A - Intelligent contract-driven clearing transaction execution system and method

CN121998760ACN 121998760 ACN121998760 ACN 121998760ACN-121998760-A

Abstract

The invention discloses an intelligent contract-driven clearing transaction execution system and method, and relates to the technical field of computers, wherein the system comprises an intelligent contract execution engine module, a rule processing module and a rule processing module, wherein the intelligent contract execution engine module stores and automatically executes a preset clearing rule, and completes asset transfer, deposit breaking calculation and clearing instruction generation according to a triggering condition; the invention discloses a distributed account book and consensus module, which is used for recording all transaction data and state information related to clearing, guaranteeing the non-falsification and multi-node consistency of the data through a consensus mechanism, synchronizing asset exchange and data among different block link networks or traditional clearing systems, acquiring under-chain clearing trigger data and verifying authenticity by a propulsor and data access module, transmitting the verified data to an intelligent contract execution engine module, controlling dynamic risk, and verifying compliance.

Inventors

WU KAIJIAN
HUANG LI
SONG ZAODI
CHEN BEILI
SUN YIMIN

Assignees

上海九威清算事务有限公司

Dates

Publication Date: 20260508
Application Date: 20251225

Claims (10)

1. The intelligent contract-driven clearing transaction execution system is characterized by comprising an intelligent contract execution engine module, a transaction execution module and a transaction execution module, wherein the intelligent contract execution engine module stores and automatically executes preset clearing rules, and completes asset transfer, deposit violation calculation and clearing instruction generation according to trigger conditions; the distributed account book and consensus module records all transaction data and state information related to clearing, and ensures the non-falsification of the data and the consistency of multiple nodes through a consensus mechanism; The inter-link interoperation module synchronizes asset exchange and data among different block link networks or traditional clearing systems; The pre-prediction machine and data access module acquires the under-chain clearing trigger data and performs authenticity verification, and transmits the verified data to the intelligent contract execution engine module; the dynamic risk control module is used for monitoring transaction risk in the clearing process in real time, and dynamically adjusting the clearing threshold and the execution strategy; And the compliance verification module is used for automatically checking and verifying compliance of the clearing transaction.
2. The intelligent contract-driven clearing transaction execution system of claim 1, wherein the intelligent contract execution engine module adopts a three-level architecture of a contract deployment layer, a trigger scheduling layer and an execution layer, and the contract deployment layer deploys clearing rules in a target blockchain in an intelligent contract code form based on the operation of a blockchain virtual machine to support on-chain upgrading and version management; The triggering scheduling layer is used for monitoring event logs of the distributed account book and triggering contract execution; The execution layer is used for calling a blockchain account interface and an asset transfer function, completing clearing operation and writing into an account book.
3. The intelligent contract-driven clearing transaction execution system of claim 2, wherein the triggering scheduling layer triggers execution by calling a corresponding function of the intelligent contract after monitoring an event log of the distributed ledger, wherein the intelligent contract is internally provided with a preset rule for verifying whether the event meets an execution condition.
4. The intelligent contract-driven clearance transaction execution system of claim 3, wherein the compliance verification module comprises a compliance rule base with built-in cross-border payment compliance rules, regional financial regulatory rules and business rules; the intelligent matching engine adopts a rule matching algorithm based on semantic analysis to extract core compliance elements in clearing transaction and performs accurate matching with a compliance rule base; The verification execution unit is used for batch transaction verification or single transaction verification; and the result feedback unit generates a compliance certificate for the transaction passing the compliance verification and writes the compliance certificate into the distributed account book, and triggers an interception instruction and feeds back the cause of the violation for the non-compliance transaction.
5. The intelligent contract-driven clearing transaction execution system according to claim 4, wherein the distributed ledger and consensus module comprises a P2P node network, a clearing party node and a verification node, wherein the clearing party node and the verification node are used for realizing real-time data synchronization; the block structure comprises a plurality of blocks, each block comprises a block head and a block body, the block head contains a hash function, a time stamp and a merkel root, and the block body contains clearing transaction data; And the consensus algorithm unit is integrated with a BFT consensus engine and is used for clearing data consensus operation.
6. The intelligent contract-driven clearing transaction execution system of claim 5, wherein the consensus algorithm unit performs the following consensus flow: a1, selecting a main node and a backup node according to a polling mechanism; A2, the master node receives the clearing transaction data, generates a proposal and broadcasts the proposal to all backup nodes; a3, the backup node verifies the legitimacy of the proposal, if the verification is legal, the backup node enters into a preparation stage A4, if the verification is illegal, the backup node does not pass, and the A2 is repeatedly executed; A4, broadcasting a preparation message after nodes collect more than or equal to 2f+1 preparation responses, wherein f is the maximum fault-tolerant node number, and the upper limit of the f node number is less than or equal to (N-1)/3, wherein N is the total number of consensus nodes and is more than or equal to 3f+1; a5, broadcasting a commit message after the node collects more than or equal to 2f+1 preparation responses, and confirming that the transaction is effective; A6, all nodes write the transaction into the local account book, update the block chain structure and ensure the consistency of global data.
7. The intelligent contract-driven clearing transaction execution system according to claim 6, wherein the cross-chain interoperation module comprises a relay node cluster for data forwarding and protocol conversion, at least three relay full nodes and a plurality of light nodes are deployed in a target network respectively in a full node and light node mixed deployment mode to form a redundant cluster, the nodes of the relay full nodes and the light nodes communicate through TLS1.3 encryption channels, and real-time data pushing is realized by adopting webSocket protocols; the method comprises the steps of adapting to a cross-link protocol adaptation layer of different network communication standards, respectively packaging HTLC and XCMP protocols into protocol plug-ins, and integrating the HTLC and the XCMP protocols into the cross-link protocol adaptation layer through a plug-in registration mechanism; the atomic exchange engine for avoiding unilateral default is provided with a double locking mechanism and intelligent contract linkage, wherein the double locking mechanism is used for realizing double guarantee of hash locking and time locking based on HTLC contracts, and the intelligent contract linkage is used for automatically and synchronously triggering corresponding operation of one contract when the other contract is unlocked or refunded in the real-time communication process of the atomic exchange engine and the intelligent contract execution engine module, so that the contract can be completely executed or not executed.
8. The intelligent contract-driven clearing transaction execution system of claim 7, wherein said predictor and data access module performs the following authenticity verification process: c1, acquiring clearing trigger data from a data source under a chain through a multi-source data acquisition node; c2, carrying out format conversion and anomaly filtering on the acquired clearing trigger data to generate a standardized data packet, and calculating an SHA-256 hash value of the data packet; c3, receiving the data packet, independently multiplexing hash values of all nodes in the data packet, and cross-verifying the validity of the data source; C4, counting the number of nodes passing verification, if the passing rate is not less than (2 f yan +1)/N total , wherein N total is the total number of verification nodes, and f yan is the number of fault-tolerant nodes, judging that the data is true and effective, otherwise, rejecting the data, and returning to an acquisition node for reacquiring; And C5, pushing the effective data and the hash verification result to an intelligent contract execution engine module through the TLS1.3 channel, and simultaneously writing in a distributed account book mark.
9. The intelligent contract-driven clearing transaction execution system of claim 8, wherein the dynamic risk control module comprises a risk indicator monitoring unit for collecting clearing whole-process risk data in real time; The risk scoring model unit calculates the comprehensive risk level by adopting a weighted summation algorithm; A dynamic threshold calculation unit that automatically adjusts a clearing threshold based on the comprehensive risk level; the execution strategy adaptation unit is used for matching corresponding clearing strategies according to the risk level; And the real-time monitoring unit is used for visually monitoring the risk index, the threshold state and the strategy execution condition.
10. An intelligent contract driven clearing transaction execution method based on the intelligent contract driven clearing transaction execution system as set forth in any one of claims 1-9, characterized by comprising the steps of: s1, acquiring under-chain clearing trigger data, and uploading the data authenticity to a distributed account book after multi-node verification; S2, reading verified data in the distributed account book, judging whether a preset clearing trigger condition is met, if so, calling a preset clearing rule, entering a step S3, otherwise, re-acquiring the under-chain clearing trigger data, and repeatedly executing the step S1; s3, synchronizing the assets and data of the target blockchain network or the traditional system and the system according to the clearing rule; S4, monitoring a clearing process in real time, dynamically adjusting a clearing threshold according to transaction risks, and performing compliance verification; And S5, automatically executing the clearing operation according to the adjusted clearing threshold and the compliance verification result, and writing the clearing result into the distributed ledger for permanent storage.

Description

Intelligent contract-driven clearing transaction execution system and method Technical Field The invention belongs to the technical field of computers, and particularly relates to an intelligent contract-driven clearing transaction execution system and method. Background The clearing transaction refers to a process of systematically clearing and distributing assets and liabilities under specific conditions, such as enterprise bankruptcy, financial transaction completion, asset delivery and the like, ensures maximization of interests of equity persons, maintains market order, and currently common clearing transactions comprise enterprise mineral clearing, financial transaction clearing and cross-border clearing. At present, the existing clearing system generally adopts a core principle of a centralized architecture, batch processing, account checking and layering network, specifically, a single mechanism such as a central line, a clearing house and the like is used as a trust intermediary to centrally manage transaction data and a fund pool, the transaction data is required to be checked and settled through a manual or semi-automatic process after being determined forward exchange, and the cross-border clearing is dependent on a message system such as SWIFT and the like and is required to transfer instructions through a transit line, so that the process is long. However, in the cross-border clearing, the SWIFT message needs to be transferred and forwarded in 2-3 families, each link of auditing takes 1-2 hours, the final clearing period is generally T+1 to T+3, for example, emergency fund transfer of disaster relief fund type also needs at least 24 hours to be paid, clearing efficiency is affected, and the transfer clearing cost, agent account maintenance cost and other costs related to multi-family transfer forwarding are increased, so that clearing cost is increased. Disclosure of Invention The invention aims to provide an intelligent contract-driven clearing transaction execution system and method, which realize efficient and low-cost compliance execution of clearing transactions in an intelligent contract and cross-chain interoperation mode so as to solve the problems in the background technology. In order to achieve the above purpose, the invention adopts the following technical scheme: An intelligent contract-driven clearing transaction execution system comprises an intelligent contract execution engine module, a rule processing module and a rule processing module, wherein the intelligent contract execution engine module stores and automatically executes preset clearing rules, and completes asset transfer, deposit violation calculation and clearing instruction generation according to trigger conditions; the distributed account book and consensus module records all transaction data and state information related to clearing, and ensures the non-falsification of the data and the consistency of multiple nodes through a consensus mechanism; The inter-link interoperation module synchronizes asset exchange and data among different block link networks or traditional clearing systems; The pre-prediction machine and data access module acquires the under-chain clearing trigger data and performs authenticity verification, and transmits the verified data to the intelligent contract execution engine module; the dynamic risk control module is used for monitoring transaction risk in the clearing process in real time, and dynamically adjusting the clearing threshold and the execution strategy; And the compliance verification module is used for automatically checking and verifying compliance of the clearing transaction. Preferably, the intelligent contract execution engine module adopts a three-level architecture of a contract deployment layer, a trigger scheduling layer and an execution layer, and based on the running of a blockchain virtual machine, the contract deployment layer deploys a clearing rule in a target blockchain in an intelligent contract code mode to support on-chain upgrading and version management; The triggering scheduling layer is used for monitoring event logs of the distributed account book and triggering contract execution; The execution layer is used for calling a blockchain account interface and an asset transfer function, completing clearing operation and writing into an account book. Preferably, the triggering scheduling layer triggers execution by calling a corresponding function of the intelligent contract after monitoring the event log of the distributed ledger, wherein a preset rule is built in the intelligent contract for verifying whether the event meets the execution condition. Preferably, the compliance verification module comprises a compliance rule base, wherein cross-border payment compliance rules, regional financial supervision rules and business discipline rules are built in the compliance rule base; the intelligent matching engine adopts a rule matching algorithm based on semanti