Shanghai Pudong Development Bank blockchain collection
Shanghai Pudong Development Bank blockchain collection
Update time:2019-06-14
This practice is based on the commercial project of Baidu Intelligent Cloud Blockchain Service to help you experience Baidu Intelligent Cloud Blockchain Service.
Customer Stories
Baidu Smart Cloud and Shanghai Pudong Development Bank created a "three-dimensional chain network" and launched an intelligent blockchain financial collection solution.
Scenario Description
Business Scenario
In the financial field, due to such factors as unclear collection standards, dispersed platforms and opaque information, the collection industry is often inefficient, and even violent collection and other industrial chaos.But at the same time, the weak centralization of retail credit collection and the division of labor of multiple organizations just provide a good application scenario for the blockchain.The cooperation between Baidu Smart Cloud and Shanghai Pudong Development Bank is just a benchmark business case based on the core logic of distributed and decentralized (multi centralized), which promotes the transparency, standardization and intelligence of credit collection through technical means.
Business difficulties
In the retail credit collection scenario, there are problems such as low information transparency, dispersed platforms, no effective incentive system, and long settlement cycle.
Scheme description
Based on cloud computing, blockchain and other core technologies, this scheme is connected with the financial business system of Shanghai Pudong Development Bank. The subsequent planning of the platform will open up all data processing links such as cleaning, analysis and data training of financial data through access to Baidu's intelligent cloud financial brain, Baidu's open big data and other capabilities, so as to provide intelligent pricingInnovation of application scenarios such as user portraits provides technical support.
Asset management
The two sides jointly built a blockchain collection task subcontracting platform. Through the unified uplink and management of differentiated asset packages and collection tasks, the information sharing, authenticity and transparency of the whole process were achieved. At the same time, the tedious processes such as offline information interaction and payment settlement were avoided, which greatly improved the collection efficiency, information security and platform trust.In addition, through the access to smart contracts, the collection task is implemented according to the contract definition, and the automatic settlement and clearing of funds are realized, effectively avoiding the industry pain points such as the disorder of standardization and long settlement cycle.
Alliance building
Relying on the alliance chain technology platform, the two sides reconstruct the collection business process, promote the establishment of weak centralized industry alliance through the optimization of the trust mechanism, and provide credible, efficient and safe financial services to multiple organizations, including third-party financial institutions, third-party information providers and users.In terms of upper level business innovation, the two sides, by docking Baidu Financial's brain and relying on user portraits to create a task pricing model, sought the most reasonable pricing and subcontractor incentive standard system, reached an optimal match between the algorithm and the capabilities of users and third parties, and greatly improved the efficiency of financial institutions.
system architecture
This section introduces the logical relationship between subsystems and subsystem functions of the architecture.
Container orchestration system
A privately deployed container cluster management system.All nodes of the blockchain network and the management service components of the blockchain platform are hosted by the container orchestration system.Based on the secondary development of Kubernetes, in the blockchain project, the container scheduling function only serves the upper blockchain components, and does not support the hosting of other users, such as custom containers.
Blockchain integration platform
A platform that can deploy, manage, and monitor blockchain networks.It supports two blockchain network solutions: Ethereum and Hyperledger Fabric.
Ethereum online network
The independent production environment network is isolated from other Ethereum networks created by users and cannot be deleted by ordinary users.The online Ethereum cluster will deploy a service layer that supports specific businesses.There is a clear minimum resource limit.
Ethereum self built network
The Ethereum network created by users through the blockchain integration platform supports the creation, deletion and node expansion of the network.
Fabric self built network
The Fabric network created by users through the blockchain integration platform supports the creation, deletion, node expansion, CA certificate issuance, and channel creation of the network.
Blockchain middle tier
Smart contract base
Core work: A lot of work in the development of blockchain Dapp focuses on contract development, as well as transforming the contract calling interface into a web interface.Code reuse: contract development is similar to traditional application development, and solidity supports library reference.In order to reuse the code, the internal logic of the contract should be abstracted again and encapsulated by objects.
BProxy
Blockchain BProxy solves the problem of how to introduce the public blockchain scheme into the privatization scenario to achieve multi party identity mutual trust management, and also solves the problem of data linking in a cross network environment.
Unified HTTP interface
The unified HTTP interface provides a RESTful interface service.Mask the complexity of blockchain interface for users and provide a set of general contract calling interfaces.And the data models of different types of businesses are unified into the logical control contract of the blockchain to complete the decoupling of the data model and the logical control of the smart contract.
Core back-end service of collection system
The back-end service of the collection system provides the back-end interface requirements for all customized functions of the collection APP and the Web end.It is responsible for mapping the collection business logic to the contract logic call provided by the HTTP interface.At the same time, necessary off chain data storage is provided.
Collection system Dapp application
User oriented interaction is a mobile application or web front-end.