CN109767204A - A kind of block chain advance payment financing method - Google Patents
A kind of block chain advance payment financing method Download PDFInfo
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- CN109767204A CN109767204A CN201810614528.6A CN201810614528A CN109767204A CN 109767204 A CN109767204 A CN 109767204A CN 201810614528 A CN201810614528 A CN 201810614528A CN 109767204 A CN109767204 A CN 109767204A
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- token
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- commodity
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Abstract
The invention discloses a kind of block chain advance payment financing methods, by configuring receipt token for consumer end, commodity token is configured for merchant terminal, fund token is configured for consumer end and fund side's terminal, the mode that three kinds of tokens flexibly exchange in block catenary system, realize consumer, fund side, the exchange of value between businessman, consumer is set to finance easy, improve the purchasing power of consumer, improve the sale dynamics of businessman's commodity, promote consumer, fund side, businessman capital chain benign cycle.
Description
Technical field
The present invention relates to technical field of data processing, are related to a kind of block chain advance payment financing method.
Background technique
Traditional advance payment financing method, consumer is to carry out advance payment financing, it is necessary first to receipt is signed with businessman,
After consumer takes receipt, then to fund side application advance payment financing.Audit the credit rating of consumer and businessman and each in fund side
Aspect condition dare not provide a loan easily;After advance payment financing is audited successfully, fund can lend consumer, advance payment financing just now
Process it is very complicated, cause the phenomenon of consumer credit hardly possible;Consumer credit is difficult, the purchasing power decline of consumer, directly
Reduce the sale dynamics of businessman's commodity.
In conclusion currently needing to provide a kind of technical solution, guaranteeing not needing third party supervision both parties value
The information of transmitting improves the purchasing power of consumer under conditions of also not needing the proof in kind to gain credit as connection both sides,
To improve the sale dynamics of businessman's commodity, promote consumer, fund side, businessman capital chain benign cycle.
Summary of the invention
In view of drawbacks described above in the prior art or deficiency, it is intended to provide a kind of money for promoting consumer, fund side, businessman
Advance payment financing method, equipment and the storage medium of gold chain benign cycle.
In a first aspect, the present invention provides a kind of advance payment financing method, comprising:
The commodity extension for receiving the merchant terminal submission of the first businessman sells solicited message, distributes commodity token to merchant terminal;
The first charging request information that fund side's terminal of the first fund side is submitted is received, to fund side's terminal distribution fund
Token;
The loan application solicited message that the consumer end of the first consumer submits is received, distributes receipt to consumer end
Token, so that consumer end exchanges fund token for fund side's terminal by receipt token, and with the fund token exchanged for
Commodity token is exchanged for merchant terminal, and wherein commodity token is used to be paid when buying commodity or service;
Within the payback period of agreement, the second charging request information that consumer end submits is received, to consumer end
Distribution of fund token after fund token is returned fund side's terminal for consumer end, recycles receipt token and destroys receipt
Token.
Second aspect, the present invention provide another advance payment financing method, comprising:
Submit loan application solicited message;
Receive the receipt token that distributes according to loan application solicited message of block catenary system, and to the fund of the first fund side
Square terminal submits redemption funds token solicited message;
Reception fund side terminal is according to the fund token of redemption funds token solicited message granting, wherein assets token by
After fund side's terminal submits the first charging request information, block catenary system is that assets square end is allocated;
Use exchanged for fund token to exchange commodity token for the merchant terminal of the first businessman, wherein commodity token by
After merchant terminal submits commodity extension to sell solicited message, block catenary system is merchant terminal distribution;
Receive the commodity token of merchant terminal granting;
It submits the second charging request information and obtains the fund token of block catenary system distribution;
Within the payback period of agreement, to after fund side's terminal amortization cost token, recycles receipt token and destroy receipt
Token.
The third aspect, the present invention also provides a kind of equipment, including one or more processors and memory, wherein memory
Comprising can by instruction that the one or more processors execute so that the one or more processors execute it is each according to the present invention
The advance payment financing method that embodiment provides.
Fourth aspect, the present invention also provides a kind of storage medium for being stored with computer program, which makes to count
Calculation machine executes the advance payment financing method that each embodiment provides according to the present invention.
The advance payment financing method that many embodiments of the present invention provide, by being for consumer end's configuration receipt token
Merchant terminal configures commodity token, is that consumer end and fund side's terminal configure fund token, three kinds of tokens are in block linkwork
The mode flexibly exchanged in system realizes consumer, fund side, the exchange of value between businessman, so that consumer is financed easy, improves
The purchasing power of consumer improves the sale dynamics of businessman's commodity, promote consumer, fund side, businessman capital chain it is good
Property circulation.
Detailed description of the invention
Fig. 1 is the schematic diagram of advance payment financing scene in one embodiment of the invention.
Fig. 2 is a kind of flow chart for advance payment financing method that one embodiment of the invention provides.
Fig. 3 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.
Fig. 4 is a kind of flow chart of preferred embodiment of method shown in Fig. 3.
Fig. 5 is a kind of flow chart of preferred embodiment of method shown in Fig. 4.
Fig. 6 is the flow chart for another advance payment financing method that one embodiment of the invention provides.
Fig. 7 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining related invention, rather than the restriction to the invention.It also should be noted that in order to
Convenient for description, part relevant to invention is illustrated only in attached drawing.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
Fig. 1 is the schematic diagram of advance payment financing scene in one embodiment of the invention.As shown in Figure 1, in the present embodiment, area
Block catenary system 200 is provided pre- by distributing different tokens for fund side 100, businessman 300 and consumer 400 for consumer 400
Payment financing services.After fund token is supplemented with money by fund side 100, block catenary system 200 is that asset side is carried out according to recharge amount
Distribution;After commodity token submits commodity extension to sell solicited message by businessman 300, block catenary system 200 is businessman's distribution.
Advance payment financing method provided by the invention is specifically described below in conjunction with Fig. 2.
Fig. 2 is a kind of flow chart for advance payment financing method that one embodiment of the invention provides.As shown in Fig. 2, in this reality
It applies in example, the present invention provides a kind of advance payment financing method, comprising:
S11: the commodity extension for receiving the merchant terminal submission of the first businessman sells solicited message, distributes commercial generation to merchant terminal
Coin;
S12: the first charging request information that fund side's terminal of the first fund side is submitted is received, to fund side's terminal distribution
Fund token;
S13: the loan application solicited message that the consumer end of the first consumer submits is received, is distributed to consumer end
Receipt token, so that consumer end exchanges fund token for fund side's terminal by receipt token, and with the fund exchanged for
Token exchanges commodity token for merchant terminal, and wherein commodity token is used to be paid when buying commodity or service;
S14: within the payback period of agreement, the second charging request information that consumer end submits is received, to consumer
Terminal distribution fund token after fund token is returned fund side's terminal for consumer end, recycles receipt token and destroys
Receipt token.
Specifically, by taking application scenarios shown in FIG. 1 as an example, it is assumed that the value of receipt token: the value of fund token: quotient
The value of product token: value=1:1:1:1 of franc, fund side 100 have supplemented 1,000,000 yuan of franc, quotient with money in block catenary system 200
The commodity A for having sold 100,000 yuan of franc of value hangs on block catenary system 200 in family 300, and consumer 400 wants purchase businessman 300 and hangs
The commodity sold, but consumer 400 at this time do not open by capital turnover, needs to apply to fund side 100 fund of 100,000 yuan of franc,
In the payback period of agreement, consumer 400 supplements 100,000 yuan of franc with money in block catenary system 200 for refunding.
In step s 11, the commodity extension that block catenary system 200 receives that businessman 300 submits sells solicited message, to businessman 300
Distribute 100,000 commodity tokens;
In step s 12, block catenary system 200 receives the request letter for supplementing 1,000,000 yuan of franc with money that fund side 100 is submitted
Breath distributes 1,000,000 fund tokens to fund side 100;
In step s 13, block catenary system 200 receives the loan application request for 100,000 yuan of franc that consumer 400 submits
Information distributes 100,000 receipt tokens to consumer 400;Consumer 400 exchanges for by 100,000 receipt tokens to fund side 100
100000 fund tokens;Consumer 400 submits commodity purchasing application information to businessman 300, and businessman receives the transmission of consumer 400
100,000 fund tokens after, to consumer 400 provide 100,000 commodity tokens;
In step S14: within the payback period of agreement, what the reception consumer 400 of block catenary system 200 submitted supplements 10 with money
The solicited message of ten thousand yuan of franc distributes 100,000 fund tokens to consumer 400;Consumer 400 by 100,000 fund tokens also
Behind fund side 100, recycles 100,000 receipt tokens and destroy this 100,000 receipt tokens.
Advance payment financing method provided by the invention is not exemplified by limit with above-mentioned, can also be according to actual needs by block chain
System configuration is any tissue for meeting relevant laws and regulations, and configuring gold, platinum etc. arbitrarily for commodity can trade
Physical assets or the intangible asset that can arbitrarily trade such as intellectual property, equity, and, configure exchange proportion to
Different number ratios, can be achieved identical technical effect.
In a preferred embodiment, the first businessman, the first fund side and consumer pass through e-business certification.
Fig. 3 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.As shown in figure 3, in a preferred embodiment
In, when the first fund side think the first consumer there are when unlawful practice, the above method further include:
S21: block catenary system receives consumer's violation information that fund side's terminal is submitted, and judges whether the first consumer deposits
In unlawful practice, if so, skipping to step S23;
S23: the violation record quantity of the first consumer is added one.
Fig. 4 is a kind of flow chart of preferred embodiment of method shown in Fig. 3.As shown in figure 4, in a preferred embodiment
In, when the first fund side think the first consumer there are when unlawful practice, the above method further include:
S31: block catenary system receives consumer's violation information that fund side's terminal is submitted, and judges whether the first consumer deposits
In unlawful practice, if so, step S33 is skipped to, if it is not, then skipping to step S35;
S33: the violation record quantity of the first consumer is added one;
S35: the violation record quantity of the first fund side is added one.
Fig. 5 is a kind of flow chart of preferred embodiment of method shown in Fig. 4.As shown in figure 5, in a preferred embodiment
In, it is recorded when quantity reaches certain numerical value in violation of rules and regulations and triggers blacklist mechanism, the above method further include:
The violation record quantity of S41: the first consumer or the first fund side adds one, judges the first consumer or the first fund
Whether the violation record quantity of side is more than certain numerical value, if so, step S43 is skipped to, if it is not, then skipping to step S45;
S43: the first consumer or the first fund side are piped off list;
S45: the first consumer or the first fund side are not piped off list.
The first consumer of list of being put on the blacklist can not submit loan application solicited message again, be put on the blacklist
First fund side of list can not provide fund token again.
In a preferred embodiment, the commodity of every kind of certain specification are equipped with unique number, and the digit of number is M, and M is
Positive integer.
Fig. 6 is the flow chart for another advance payment financing method that one embodiment of the invention provides.As shown in fig. 6, at this
In embodiment, the present invention provides a kind of advance payment financing method, comprising:
S51: loan application solicited message is submitted;
S52: receiving the receipt token that distributes according to loan application solicited message of block catenary system, and to the first fund side
Fund side's terminal submits redemption funds token solicited message;
S53: fund side's terminal is received according to the fund token of redemption funds token solicited message granting, wherein assets generation
After coin submits the first charging request information by fund side's terminal, block catenary system is that assets square end is allocated;
S54: exchanged for fund token is used to exchange commodity token for the merchant terminal of the first businessman, wherein commercial generation
After coin submits commodity extension to sell solicited message by merchant terminal, block catenary system is merchant terminal distribution;
S55: the commodity token of merchant terminal granting is received;
S56: submitting the second charging request information and obtains the fund token of block catenary system distribution;
S57: it within the payback period of agreement, to after fund side's terminal amortization cost token, recycles receipt token and destroys
Receipt token.
Specifically, by taking application scenarios shown in FIG. 1 as an example:
In step s 51, consumer 400 submits loan application solicited message, and loan application solicited message indicates consumer
Need to apply the loan of 100,000 fund tokens of a value;
In step S52, block catenary system 200 is that the distribution of consumer 400 100,000 is borrowed according to loan application solicited message
Token after consumer 400 obtains 100,000 receipt tokens, is submitted redemption funds token solicited message to fund side 100, is exchanged
Fund token solicited message indicates that consumer 400 exchanges 100,000 funds using 100,000 receipt tokens to the request of fund side 100
Token;
In step S53, consumer 400 receives fund side 100 according to the 100000 of redemption funds token solicited message granting
A fund token;
In step S54: consumer 400 uses 100,000 exchanged for fund tokens to exchange 100,000 quotient for businessman 300
Product token;
In step S55: consumer 400 receives 100,000 commodity tokens that businessman 300 provides;
In step S56: consumer 400 submits the charging request information for supplementing 100,000 yuan of franc with money, and block catenary system 200 is received
To after charging information, 100,000 fund tokens are distributed for consumer 400;
In step S57: within the payback period of agreement, consumer 400 repays 100,000 fund tokens to fund side 100
Afterwards, 100,000 receipt tokens are recycled and destroy this 100,000 receipt tokens.
In a preferred embodiment, the first consumer carries out e-business certification, if not tied by e-business certification
Beam;First businessman, the first fund side pass through e-business certification.
In a preferred embodiment, the commodity of every kind of certain specification are equipped with unique number, and the digit of number is M, and M is
Positive integer.
Fig. 7 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.As shown in fig. 7, as on the other hand,
It, can be according to being stored in present invention also provides a kind of equipment 700, including one or more central processing unit (CPU) 701
Program in read-only memory (ROM) 702 is loaded into the journey in random access storage device (RAM) 703 from storage section 708
Sequence and execute various movements appropriate and processing.In RAM703, also it is stored with equipment 700 and operates required various program sum numbers
According to.CPU701, ROM702 and RAM703 are connected with each other by bus 704.Input/output (I/O) interface 705 is also connected to always
Line 704.
I/O interface 705 is connected to lower component: the importation 706 including keyboard, mouse etc.;It is penetrated including such as cathode
The output par, c 707 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.;Storage section 608 including hard disk etc.;
And the communications portion 709 of the network interface card including LAN card, modem etc..Communications portion 709 via such as because
The network of spy's net executes communication process.Driver 710 is also connected to I/O interface 705 as needed.Detachable media 711, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 710, in order to read from thereon
Computer program be mounted into storage section 708 as needed.
Particularly, in accordance with an embodiment of the present disclosure, the advance payment financing method of any of the above-described embodiment description can be by reality
It is now computer software programs.For example, embodiment of the disclosure includes a kind of computer program product comprising physically include
Computer program on a machine-readable medium, the computer program include the program generation for executing advance payment financing method
Code.In such embodiments, which can be downloaded and installed from network by communications portion 709, and/or
It is mounted from detachable media 711.
As another aspect, present invention also provides a kind of computer readable storage medium, the computer-readable storage mediums
Matter can be computer readable storage medium included in the device of above-described embodiment;It is also possible to individualism, it is unassembled
Enter the computer readable storage medium in equipment.Computer-readable recording medium storage has one or more than one program, should
Program is used to execute the advance payment financing method for being described in the application by one or more than one processor.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of the module, program segment or code include one or more use
The executable instruction of the logic function as defined in realizing.It should also be noted that in some implementations as replacements, being marked in box
The function of note can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are actually
It can be basically executed in parallel, they can also be executed in the opposite order sometimes, this is depending on related function.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yitong
The dedicated hardware based system of functions or operations as defined in executing is crossed to realize, or by specialized hardware and can be calculated
The combination of machine instruction is realized.
Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from the application design, appointed by above-mentioned technical characteristic or its equivalent feature
Other technical solutions of meaning combination and formation.Such as features described above and (but being not limited to) disclosed herein have similar functions
Technical characteristic replaced mutually and the technical solution that is formed.
Claims (11)
1. a kind of block chain advance payment financing method characterized by comprising
The commodity extension for receiving the merchant terminal submission of the first businessman sells solicited message, and Xiang Suoshu merchant terminal distributes commodity token;
Receive the first charging request information that fund side's terminal of the first fund side is submitted, the fund side Xiang Suoshu terminal distribution fund
Token;
The loan application solicited message that the consumer end of the first consumer submits is received, Xiang Suoshu consumer end distributes receipt
Token is used in combination so that the consumer end exchanges the fund token for fund side's terminal by the receipt token
The fund token exchanged for exchanges commodity token for the merchant terminal, wherein the commercial generation coin is used in purchase commodity or clothes
It is paid when business;
Within the payback period of agreement, the second charging request information that consumer end submits, Xiang Suoshu consumer end are received
The fund token is distributed, after the fund token is returned fund side's terminal for the consumer end, recycles institute
It states receipt token and destroys the receipt token.
2. a kind of block chain advance payment financing method according to claim 1, which is characterized in that first businessman, institute
The first fund side is stated, first consumer passes through e-business certification.
3. a kind of block chain advance payment financing method according to claim 1, which is characterized in that it is whole to receive the fund side
The consumer's violation information submitted is held, judges first consumer with the presence or absence of unlawful practice, if so, judging described first
Whether the quantity of the violation record of consumer triggers blacklist mechanism.
4. according to the method described in claim 3, it is characterized in that, judge first consumer with the presence or absence of unlawful practice,
If it is not, then judging whether the quantity of the violation record of the first fund side triggers blacklist mechanism.
5. according to the method described in claim 4, it is characterized in that, disobeying when first consumer or the first fund side
When rule record quantity is more than certain numerical value, triggers the blacklist mechanism and be put on the blacklist list, wherein be put on the blacklist
The consumer end of first consumer of list can not submit loan application solicited message again, and be put on the blacklist list
Fund side's terminal of the first fund side can not provide the fund token again.
6. -5 any method according to claim 1, which is characterized in that the commodity of every kind of certain specification are equipped with uniquely
The digit of number, number is M, and M is positive integer.
7. a kind of block chain advance payment financing method characterized by comprising
Submit loan application solicited message;
The receipt token that block catenary system is distributed according to loan application solicited message is received, and whole to the fund side of the first fund side
Submit redemption funds token solicited message in end;
Fund side's terminal is received according to the fund token of redemption funds token solicited message granting, wherein the assets generation
After coin submits the first charging request information by fund side's terminal, the block catenary system is that the assets square end is divided
Match;
The fund token exchanged for is used to exchange commodity token for the merchant terminal of the first businessman, wherein the commercial generation
After coin submits commodity extension to sell solicited message by the merchant terminal, the block catenary system is merchant terminal distribution;
Receive the commodity token of merchant terminal granting;
It submits the second charging request information and obtains the fund token of the block catenary system distribution;
Within the payback period of agreement, after the fund side Xiang Suoshu terminal repays the fund token, the receipt token is recycled simultaneously
Destroy the receipt token.
8. according to a kind of block chain advance payment financing method as claimed in claim 7, which is characterized in that e-business certification is carried out,
If not terminated by e-business certification;First businessman, the first fund side pass through e-business certification.
9. a kind of block chain advance payment financing method according to claim 7, which is characterized in that the quotient of every kind of certain specification
Product are equipped with unique number, and the digit of number is M, and M is positive integer.
10. a kind of equipment, which is characterized in that the equipment includes:
One or more processors;
Memory, for storing one or more programs,
When one or more of programs are executed by one or more of processors, so that one or more of processors
Execute such as method of any of claims 1-7.
11. a kind of storage medium for being stored with computer program, which is characterized in that realize when the program is executed by processor as weighed
Benefit requires method described in any one of 1-7.
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Application publication date: 20190517 |