CN110033364A - Dynamic based on block chain pledges inventory financing method and system, storage medium - Google Patents
Dynamic based on block chain pledges inventory financing method and system, storage medium Download PDFInfo
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- CN110033364A CN110033364A CN201910260161.7A CN201910260161A CN110033364A CN 110033364 A CN110033364 A CN 110033364A CN 201910260161 A CN201910260161 A CN 201910260161A CN 110033364 A CN110033364 A CN 110033364A
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- terminal equipment
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- digital signature
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3827—Use of message hashing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses a kind of dynamics based on block chain to pledge inventory financing method and system, storage medium.Dynamic based on block chain of the invention pledges inventory financing method and system, based on the chain type block structure storing data with timestamp, using the execution mechanism of decentralization, the execution of each step carries out on the block of block chain, after each item of inventory financing is completed, a problems such as relevant side requires to carry out hash Signature Confirmation, and trackability and verifiability are strong, can well solve unclear responsibility, property rights dispute.Dynamic of the invention pledges inventory financing method and system, block chain technology is dissolved into inventory financing field initiatively, it can be effectively prevented and play tricks and evade moral hazard, trackability, the verifiability for realizing data, improve the efficiency of fund operations that existing dynamic pledges inventory financing business.
Description
Technical field
The present invention relates to inventory financing technical field is pledged, particularly, it is related to a kind of dynamic based on block chain and pledges to deposit
Goods financing method and system, storage medium.
Background technique
In order to improve and improve credit aid of the bank to enterprise, asked with meeting the fund that enterprise encounters in development process
Topic, bank provide warehouse financing financing services for enterprise.Warehouse financing financing refers to the enterprise (i.e. debit) for needing to finance,
The stock possessed does collateral security, provides enterprise (i.e. credit side) pledge to fund, while collateral security being handed to legal
The loglstics enterprise (i.e. third party) of keeping stock qualification is taken care of, to obtain the business activity of credit side's loan.
But existing dynamic pledges inventory financing service when being executed, the appraising and deciding of value of goods, institute for guaranty
The audit of examination, the actual handing over of ownership of having the right and the examination of regulatory agency are relatively complicated and the period is very long, it is easy to generate
Moral hazard and operational risk, be frequently present of falseness pledge, one it is much more single give as security, invalid, not cleer and peaceful property rights dispute of responsibility of the power of pledging etc.
Problem.In addition, the very easy unsalable cargo of change of the process bartered in dynamically pledging inventory financing business, and
Third-party minimum inventory critical value can not be quickly adjusted when market price fluctuations, real-time update is poor, and supervision department needs
The electronic data of inbound/outbound process and inventory is uploaded to financial institution, data information amount is big, operates also very complicated.
Summary of the invention
The present invention provides a kind of dynamics based on block chain to pledge inventory financing method and system, storage medium, with solution
Certainly existing dynamic, which is pledged, to be examined that the relatively complicated and period is very long, is easy to produce moral hazard and behaviour existing for inventory financing service
Make the technical problem that risk, real-time update are poor, operation is very complicated.
According to an aspect of the present invention, a kind of dynamic based on block chain is provided and pledges inventory financing method, including with
Lower step:
Step S1: first terminal equipment initiates loan application to second terminal equipment, disposes loan agreement, and first terminal is set
Standby and second terminal equipment is digitally signed confirmation；
Step S2: deployment stock supervises contract, and first terminal equipment, second terminal equipment and third terminal equipment are counted
Word Signature Confirmation；
Step S3: first terminal equipment user delivers collateral security to third terminal equipment user and is digitally signed really
Recognize, third terminal equipment user carries out digital Signature Confirmation after receiving, second terminal equipment user assesses simultaneously collateral security
Digital signature confirmation；
Step S4: first terminal equipment proposes that warehouse financing loan application, deployment warehouse financing are borrowed to second terminal equipment
Money contract, second terminal equipment audit warehouse financing loan agreement, and first terminal equipment and second terminal equipment carry out
Digital signature confirmation；
Step S5: second terminal equipment is borrowed money to first terminal equipment granting and digital signature confirmation, first terminal equipment
Digital signature confirms after receiving loaning bill；
Step S6: second terminal equipment sets minimum to the commodity value for the collateral security that first terminal equipment user delivers
Volume, third terminal equipment adjust minimum inventory critical value according to market price fluctuations in real time, and first terminal equipment, second terminal are set
Standby and third terminal equipment is digitally signed confirmation.
Further, it is further comprising the steps of to pledge inventory financing method for the dynamic based on block chain:
Step S7: for collateral security more than nil-norm, first terminal equipment can propose to pick up goods to second terminal equipment
Apply and digital signature confirmation, second terminal equipment receive digital signature after delivery of cargo is applied and confirms；
Step S8: second terminal equipment sends ship directive and digital signature confirmation, third terminal to third terminal equipment
Digital signature confirms after equipment receives ship directive, and first terminal equipment is digitally signed confirmation；
Step S9: third terminal equipment user provides the collateral security and number of nil-norm or more to first terminal equipment user
Word Signature Confirmation, digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed
Confirmation.
Further, further include the following contents in the step S1:
Second terminal equipment carries out credit to first terminal equipment user and second terminal equipment user and appraises and decides.
Further, second terminal equipment is borrowed money in the form of token to first terminal equipment granting in the step S5.
Further, in the step S7 first terminal equipment by remargin, barter or token beats money
Mode carry out delivery of cargo application to second terminal equipment.
Further, it is further comprising the steps of to pledge inventory financing method for the dynamic based on block chain:
Step S100: first terminal equipment pays back the borrowed money to second terminal equipment and digital signature confirmation, second terminal are set
It is standby receive pay back the borrowed money after digital signature confirm；
Step S101: first terminal equipment proposes delivery of cargo application and digital signature confirmation to second terminal equipment, and second eventually
Digital signature confirms after end equipment receives delivery of cargo application；
Step S102: second terminal equipment sends ship directive to third terminal equipment and digital signature confirmation, third are whole
Digital signature confirms after end equipment receives ship directive, and first terminal equipment is digitally signed confirmation；
Step S103: third terminal equipment user provides collateral security and digital signature confirmation to first terminal equipment user,
Digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed confirmation.
The present invention also provides a kind of dynamics based on block chain to pledge inventory financing system, suitable for being based on as described above
The dynamic of block chain pledges inventory financing method, including loan application module, for receiving first terminal equipment to second terminal
The loan application deployment loan agreement that equipment is initiated, and be digitally signed really for first terminal equipment and second terminal equipment
Recognize；
Stock administration module, for disposing stock supervision contract and for first terminal equipment, second terminal equipment and third
Terminal device is digitally signed confirmation；
Collateral security delivery module, for whether delivering and going forward side by side for first terminal equipment and third terminal equipment confirmation collateral security
The Signature Confirmation of line number word and for for second terminal equipment to collateral security assess and digital signature confirm；
Warehouse financing loan application module, the warehouse financing proposed for receiving first terminal equipment to second terminal equipment
Loan application and dispose warehouse financing loan agreement, for for second terminal equipment to warehouse financing loan agreement audited with
And for being digitally signed confirmation for first terminal equipment and second terminal equipment；
Loaning bill module is provided, for true to first terminal equipment granting loaning bill and both sides' digital signature for second terminal equipment
Recognize；
Collateral security is worth setting module, for minimum for commodity value setting of the second terminal equipment to the collateral security of delivery
Limit and first terminal equipment, second terminal equipment and third terminal equipment tripartite are digitally signed confirmation.
Further, the dynamic based on block chain pledges inventory financing system and further includes
Delivery of cargo application module, for submitting delivery of cargo application and both sides' number label to second terminal equipment for first terminal equipment
Name confirmation；
Ship directive generation module, for sending ship directive to third terminal equipment for second terminal equipment and supplying first
Terminal device, second terminal equipment and third terminal equipment tripartite are digitally signed confirmation；
Delivery confirmation module is used for for first terminal equipment, second terminal equipment and third terminal equipment tripartite about goods
Whether object, which is provided, is digitally signed confirmation.
The present invention also provides a kind of computer-readable storage medium, pledges for storing the dynamic based on block chain and deposit
The computer program of goods financing, the computer program execute following steps when running on computers:
Step S1: first terminal equipment initiates loan application to second terminal equipment, disposes loan agreement, and first terminal is set
Standby and second terminal equipment is digitally signed confirmation；
Step S2: deployment stock supervises contract, and first terminal equipment, second terminal equipment and third terminal equipment are counted
Word Signature Confirmation；
Step S3: first terminal equipment user delivers collateral security to third terminal equipment user and is digitally signed really
Recognize, third terminal equipment user carries out digital Signature Confirmation after receiving, second terminal equipment user assesses simultaneously collateral security
Digital signature confirmation；
Step S4: first terminal equipment proposes that warehouse financing loan application, deployment warehouse financing are borrowed to second terminal equipment
Money contract, second terminal equipment audit warehouse financing loan agreement, and first terminal equipment and second terminal equipment carry out
Digital signature confirmation；
Step S5: second terminal equipment is borrowed money to first terminal equipment granting and digital signature confirmation, first terminal equipment
Digital signature confirms after receiving loaning bill；
Step S6: second terminal equipment sets minimum to the commodity value for the collateral security that first terminal equipment user delivers
Volume, third terminal equipment adjust minimum inventory critical value according to market price fluctuations in real time, and first terminal equipment, second terminal are set
Standby and third terminal equipment is digitally signed confirmation.
Further, following steps are also executed when the computer program is run on computers:
Step S7: for collateral security more than nil-norm, first terminal equipment can propose to pick up goods to second terminal equipment
Apply and digital signature confirmation, second terminal equipment receive digital signature after delivery of cargo is applied and confirms；
Step S8: second terminal equipment sends ship directive and digital signature confirmation, third terminal to third terminal equipment
Digital signature confirms after equipment receives ship directive, and first terminal equipment is digitally signed confirmation；
Step S9: third terminal equipment user provides the collateral security and number of nil-norm or more to first terminal equipment user
Word Signature Confirmation, digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed
Confirmation.
The invention has the following advantages:
Dynamic based on block chain of the invention pledges inventory financing method, based on the chain type block structure with timestamp
Storing data, using the execution mechanism of decentralization, the execution of each step is carried out on the block of block chain, and stock melts
After each item of money is completed, a relevant side requires to carry out hash Signature Confirmation, and trackability and verifiability are strong,
The problems such as unclear responsibility, property rights dispute can be well solved.In addition, using the block chain structure of distributed account book, financing enterprise
The participation node of industry, financial institution and third-party logistics as block catenary system, three all have complete account book, entire block
The information of catenary system discloses, is transparent, can mutually supervise between each node body, mutually prove, and avoids cumbersome examination, increases
It is strong to trust each other, reduce Cost of Credit.Also, the distinctive asymmetric encryption techniques of block chain, also ensure that inventory financing mistake
It is information security in journey, reliable and be not easy to be tampered.The loan and the loan given back of financing enterprise that financial institution provides with
The form of token circulates on block chain, improves efficiency of fund operations.Dynamic of the invention pledges inventory financing method, initiates
Property block chain technology is dissolved into inventory financing field, can be effectively prevented and play tricks and evade moral hazard, realize data
Trackability, verifiability, improve the efficiency of fund operations that existing dynamic pledges inventory financing business.
Dynamic based on block chain of the invention pledges inventory financing system, equally has the above advantages.
Other than objects, features and advantages described above, there are also other objects, features and advantages by the present invention.
Below with reference to figure, the present invention is described in further detail.
Detailed description of the invention
The attached drawing constituted part of this application is used to provide further understanding of the present invention, schematic reality of the invention
It applies example and its explanation is used to explain the present invention, do not constitute improper limitations of the present invention.In the accompanying drawings:
Fig. 1 is that the dynamic based on block chain of the preferred embodiment of the present invention pledges the flow diagram of inventory financing method.
Fig. 2 is the structural schematic diagram of the block catenary system of the preferred embodiment of the present invention.
Fig. 3 is that the dynamic based on block chain of the preferred embodiment of the present invention pledges the flow diagram of inventory financing method.
Fig. 4 is that the dynamic based on block chain of another embodiment of the present invention pledges the modular structure signal of inventory financing system
Figure.
Marginal data:
11, loan application module；12, stock administration module；13, collateral security delivery module；14, warehouse financing loan application
Module；15, loaning bill module is provided；16, collateral security is worth setting module；17, delivery of cargo application module；18, ship directive generates mould
Block；19, delivery confirmation module；100, pay back the borrowed money module.
Specific embodiment
The embodiment of the present invention is described in detail below in conjunction with attached drawing, but the present invention can be limited by following and
The multitude of different ways of covering is implemented.
As depicted in figs. 1 and 2, the preferred embodiment of the present invention provides a kind of dynamic based on block chain and pledges inventory financing
Method, distributed account book, digital signature, asymmetric encryption, intelligent contract, token and common recognition mechanism based on block chain etc. are crucial
Technology realizes that it is based on financing enterprise, financial institution and third square object that the dynamic of this preferred embodiment, which pledges inventory financing method,
Flow what the block catenary system participated in jointly carried out, which uses the chain type block structure with timestamp to store number
According to trackability and verifiability are strong, the problems such as can well solving unclear responsibility, property rights dispute.It is described to be based on block chain
Dynamic pledge inventory financing method the following steps are included:
Step S1: first terminal equipment initiates loan application to second terminal equipment, disposes loan agreement, and first terminal is set
Standby and second terminal equipment is digitally signed confirmation；
Step S2: deployment stock supervises contract, and first terminal equipment, second terminal equipment and third terminal equipment are counted
Word Signature Confirmation；
Step S3: first terminal equipment user delivers collateral security to third terminal equipment user and is digitally signed really
Recognize, third terminal equipment user carries out digital Signature Confirmation after receiving, second terminal equipment user assesses simultaneously collateral security
Digital signature confirmation；
Step S4: first terminal equipment proposes that warehouse financing loan application, deployment warehouse financing are borrowed to second terminal equipment
Money contract, second terminal equipment audit warehouse financing loan agreement, and first terminal equipment and second terminal equipment carry out
Digital signature confirmation；
Step S5: second terminal equipment is borrowed money to first terminal equipment granting and digital signature confirmation, first terminal equipment
Digital signature confirms after receiving loaning bill；
Step S6: second terminal equipment sets minimum to the commodity value for the collateral security that first terminal equipment user delivers
Volume, third terminal equipment adjust minimum inventory critical value according to market price fluctuations in real time, and first terminal equipment, second terminal are set
Standby and third terminal equipment is digitally signed confirmation.
It is appreciated that in the step S1, the user of first terminal equipment is financing enterprise, the use of second terminal equipment
The step of family is financial institution, and financing enterprise initiates loan application and application credit information is recorded in block chain to financial institution
In the execution block of S1, the execution block of step S1 generates loan after the application credit information for receiving financing enterprise submission and closes
About or financial institution receive the loan application of financing enterprise submission after generate loan agreement and be recorded in the step S1 of block chain
Execution block in, then financing enterprise and financial institution pass through first terminal equipment and second terminal equipment respectively and carry out number
Signature Confirmation, such as hash (Hash) signature.It is further appreciated that the implementation procedure of the step S1 can be the one of block chain
It is carried out in a block, is also possible to carry out respectively in multiple blocks of block chain, it is not limited here.It is further appreciated that conduct
Preferably, further include the following contents in the step S1: second terminal equipment sets first terminal equipment user and second terminal
Standby user carries out credit and appraises and decides.Specifically, financial institution carries out credit core to financing enterprise and third-party logistics by reference pond
It is fixed.
It is appreciated that first terminal equipment and second terminal equipment are directed to loan agreement digital signature in above-mentioned steps S1
After confirmation, next block of block chain can execute the deployment movement of stock supervision contract, first terminal equipment, second terminal
Equipment and third terminal equipment supervise the content data Signature Confirmation of contract for stock, and the user of the third terminal equipment is
Third-party logistics.It is further appreciated that position of the execution block of the step S2 in block chain is located at the execution area of step S1
After block.
It is appreciated that first terminal equipment, second terminal equipment and third terminal equipment are about depositing in above-mentioned steps S2
After goods supervises the content data Signature Confirmation of contract, and in first terminal equipment user (i.e. financing enterprise) to third terminal
After equipment user's (third-party logistics) delivers collateral security, collateral security delivery information is recorded in the execution area of step S3 by financing enterprise
In block, financing enterprise and third-party logistics pass through first terminal equipment and the progress hash Signature Confirmation of third terminal equipment respectively,
Confirm that the fact that financing enterprise delivers collateral security to third-party logistics is set up.Then, second terminal equipment user (i.e. financial machine
Structure) assess simultaneously hash Signature Confirmation to the commodity value for the collateral security that financing enterprise is delivered.Financial institution is looked forward to financing
Collateral security value can also be appraised and decided information after being assessed and be recorded in step S3's by the commodity value for the collateral security that industry is delivered
It executes in block.It is further appreciated that position of the execution block of the step S3 in block chain is located at the execution area of step S2
After block.
It is appreciated that first terminal equipment, second terminal equipment and third terminal equipment are about matter in above-mentioned steps S3
After the delivery message digit Signature Confirmation of wagering, financing enterprise proposes warehouse financing to financial institution by first terminal equipment
Loan application, and warehouse financing application credit information is recorded in the execution block of step S4, the execution block of step S4 exists
Warehouse financing loan agreement, second terminal can be automatically generated after receiving the warehouse financing application credit information of financing enterprise submission
Equipment can audit warehouse financing loan agreement, and after audit is errorless, financing enterprise passes through first terminal equipment, financial machine
Structure is digitally signed confirmation by second terminal equipment.It is further appreciated that the execution block of the step S4 is in block chain
Position be located at after the execution block of step S3.
It is appreciated that first terminal equipment and second terminal equipment are directed to warehouse financing loan agreement in above-mentioned steps S4
After digital signature confirmation, second terminal equipment is borrowed money to first terminal equipment granting and digital signature confirmation, first terminal are set
It is standby to be also digitally signed confirmation after receiving loaning bill.Wherein, the side that second terminal equipment is borrowed money to first terminal equipment granting
Formula can be token or currency, it will be understood that and the token is that financial institution's distribution or the financial institution support transaction,
Granting loaning bill can quickly circulate on block catenary system in the form of token, improve efficiency of fund operations.Financial institution exists
Also token information of entering an item of expenditure in the accounts is recorded in the execution block of step S5 when granting is borrowed money in the form of token.It is further appreciated that described
The execution block of step S5 is after the execution block that the position in block chain is located at step S4.
It is appreciated that first terminal equipment user hands over by second terminal equipment in financial institution in the step S6
The commodity value for the collateral security paid sets nil-norm, and the nil-norm of collateral security commodity value is recorded in holding for step S6
In row block, third-party logistics adjusts minimum inventory critical value in real time according to market price fluctuations and can be by physical holding of stock information
It is recorded in the execution block of step S6, real-time update is strong, first terminal equipment, second terminal equipment and third terminal equipment
It is digitally signed confirmation.It is further appreciated that position of the execution block of the step S6 in block chain is located at step S5's
After execution block.
It is appreciated that preferably, it further includes following step that the dynamic based on block chain, which pledges inventory financing method,
It is rapid:
Step S7: for collateral security more than nil-norm, first terminal equipment can propose to pick up goods to second terminal equipment
Apply and digital signature confirmation, second terminal equipment receive digital signature after delivery of cargo is applied and confirms；
Step S8: second terminal equipment sends ship directive and digital signature confirmation, third terminal to third terminal equipment
Digital signature confirms after equipment receives ship directive, and first terminal equipment is digitally signed confirmation；
Step S9: third terminal equipment user provides the collateral security and number of nil-norm or more to first terminal equipment user
Word Signature Confirmation, digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed
Confirmation.
In the step S7, for collateral security more than nil-norm, financing enterprise can pass through first terminal equipment
Delivery of cargo application and digital signature confirmation are proposed to second terminal equipment, and digital signature is true after second terminal equipment receives delivery of cargo application
Recognize.It is appreciated that financing enterprise can remargin, barter or set to second terminal by way of token beats money
The delivery of cargo application of the standby collateral security for submitting nil-norm or more, and by remargin information, information of bartering or token
Money information is beaten to be recorded in the execution block of step S7.Position of the execution block of the step S7 in block chain is located at step
After the execution block of S6.It is appreciated that submitting pledging for nil-norm or more by way of bartering in financing enterprise
When the delivery of cargo application of object, financial institution can the commodity value to the collateral security of replacement assessed again, prevent unsalable cargo
Merging, and since financial institution sets the nil-norm of collateral security, it can largely reduce the lending wind of financial institution
Danger.
In the step S8, in the delivery of cargo application that first terminal equipment and second terminal equipment are proposed about financing enterprise
After digital signature confirmation, second terminal equipment sends ship directive simultaneously to third terminal equipment by the execution block of step S8
Digital signature confirmation, the digital signature confirmation after receiving ship directive of third terminal equipment, meanwhile, first terminal equipment also carries out
Digital signature confirmation.The execution block of the step S8 is after the execution block that the position in block chain is located at step S7.
In the step S9, third-party logistics provides the collateral security and digital signature of nil-norm or more to financing enterprise
Confirmation, financing enterprise digital signature confirmation after receiving collateral security, meanwhile, financial institution is also digitally signed confirmation.It can be with
Understand, the value for the remargin that third-party logistics is submitted to the value of the collateral security of financing enterprise granting with financing enterprise,
The value or token value of new cargo are of equal value.Position of the execution block of the step S9 in block chain is located at step S8's
After execution block.
It is further appreciated that as shown in figure 3, preferably, the dynamic based on block chain pledges inventory financing method
It is further comprising the steps of:
Step S100: first terminal equipment pays back the borrowed money to second terminal equipment and digital signature confirmation, second terminal are set
It is standby receive pay back the borrowed money after digital signature confirm；
Step S101: first terminal equipment proposes delivery of cargo application and digital signature confirmation to second terminal equipment, and second eventually
Digital signature confirms after end equipment receives delivery of cargo application；
Step S102: second terminal equipment sends ship directive to third terminal equipment and digital signature confirmation, third are whole
Digital signature confirms after end equipment receives ship directive, and first terminal equipment is digitally signed confirmation；
Step S103: third terminal equipment user provides collateral security and digital signature confirmation to first terminal equipment user,
Digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed confirmation.
Financing enterprise is paid off a loan in such a way that token beats money to financial institution when having the ability to pay off a loan, and will
The information to pay back the borrowed money is recorded in the execution block of the step S100 of block chain, and financing enterprise passes through first terminal equipment, gold
Melt mechanism and confirmation is digitally signed about refund item by second terminal equipment.Then, financing enterprise passes through first eventually again
End equipment submits delivery of cargo application simultaneously digital signature confirmation to financial institution, and request proposes collateral security, and the correlation that delivery of cargo is applied
Information is recorded in the execution block of step S101, and financial institution is signed after receiving delivery of cargo application by second terminal apparatus figure
Confirmation.Then, financial institution sends ship directive and digital signature confirmation, third to third-party logistics by second terminal equipment
Digital signature confirms after square object stream receives ship directive, while financing enterprise is also digitally signed confirmation, ship directive phase
Information is closed to be recorded in the execution block of step S102.Finally, third-party logistics provides collateral security and number label to financing enterprise
Name confirmation, while the logistics information of collateral security granting being recorded in the execution block of step S103, financing enterprise, which receives, pledges
The confirmation of object digital signature, while financial institution is also digitally signed confirmation.It is appreciated that the execution block of the step S101
With the execution area for executing block, the execution block of the execution block of step S102 and step S8 and step S103 of step S7
The execution block of block and step S9 can be same block or different blocks in block chain, can set according to actual needs
It is fixed, it is not specifically limited herein.
It is further appreciated that the first terminal equipment, second terminal equipment and third terminal equipment are as block catenary system
Participation node, the first terminal equipment, second terminal equipment and third terminal equipment all have complete account book, Ren Heyi
Side all cannot arbitrarily distort, and the information of entire block catenary system discloses, is transparent, can mutually be supervised between each node body,
Mutually evidence, avoids cumbersome examination, enhances and trust each other, reduce Cost of Credit.
Dynamic of the invention pledges inventory financing method, based on the chain type block structure storing data with timestamp, adopts
Carried out on the block of block chain with the execution of the execution mechanism of decentralization, each step, inventory financing each
After item is completed, a relevant side requires to carry out hash Signature Confirmation, and trackability and verifiability are strong, can be well
The problems such as solving unclear responsibility, property rights dispute.In addition, using the block chain structure of distributed account book, financing enterprise, financial institution
Participation node with third-party logistics as block catenary system, three all have complete account book, entire block catenary system
Information discloses, is transparent, can mutually supervise between each node body, mutually prove, and avoids cumbersome examination, enhances and believe each other
Appoint, reduces Cost of Credit.Also, the distinctive asymmetric encryption techniques of block chain, also ensure that the information during inventory financing
It is safe and reliable and be not easy to be tampered.The loan that the loan and financing enterprise that financial institution provides are given back is in the form of token
It circulates on block chain, improves efficiency of fund operations.Dynamic of the invention pledges inventory financing method, initiatively by block
Chain technology is dissolved into inventory financing field, can be effectively prevented and play tricks and evade moral hazard, realize data trackability,
Verifiability improves the efficiency of fund operations that existing dynamic pledges inventory financing business.
It is appreciated that as shown in figure 4, another embodiment of the present invention also provides a kind of dynamic based on block chain pledges and deposit
Goods financial system is preferably applied to the dynamic as described above based on block chain and pledges inventory financing method, described to be based on area
It includes loan application module 11 that the dynamic of block chain, which pledges inventory financing system, is set for receiving first terminal equipment to second terminal
The loan application deployment loan agreement that preparation rises, and be digitally signed really for first terminal equipment and second terminal equipment
Recognize；Stock administration module 12, for disposing stock supervision contract and for first terminal equipment, second terminal equipment and third terminal
Equipment is digitally signed confirmation；Collateral security delivery module 13, for confirming matter for first terminal equipment and third terminal equipment
Whether wagering is delivered and is carried out digital Signature Confirmation and for assess simultaneously digital signature to collateral security for second terminal equipment
Confirmation；Warehouse financing loan application module 14, the warehouse financing proposed for receiving first terminal equipment to second terminal equipment
Loan application and dispose warehouse financing loan agreement, for for second terminal equipment to warehouse financing loan agreement audited with
And for being digitally signed confirmation for first terminal equipment and second terminal equipment；Loaning bill module 15 is provided, for supplying second
Terminal device confirms to first terminal equipment granting loaning bill and both sides' digital signature；Collateral security is worth setting module 16, for supplying
Second terminal equipment to the commodity value of the collateral security of delivery set nil-norm and first terminal equipment, second terminal equipment and
Third terminal equipment tripartite is digitally signed confirmation.It is appreciated that the loan application module 11, stock administration module 12,
Collateral security delivery module 13, warehouse financing loan application module 14 provide loaning bill module 15 and collateral security value setting module 16
It is located in multiple blocks of block catenary system, and the block catenary system uses the chain type block structure with timestamp to store
The problems such as data, trackability and verifiability are strong, can well solve unclear responsibility, property rights dispute.
It is appreciated that preferably, it further includes delivery of cargo Shen that the dynamic based on block chain, which pledges inventory financing system,
Please module 17, for for first terminal equipment to second terminal equipment submit delivery of cargo application and both sides' digital signature confirm；Delivery
Directive generation module 18, for for second terminal equipment to third terminal equipment send ship directive and for first terminal equipment,
Second terminal equipment and third terminal equipment tripartite are digitally signed confirmation；Delivery confirmation module 19, for for first terminal
Equipment, second terminal equipment and third terminal equipment tripartite are digitally signed confirmation about whether cargo is provided.
It is appreciated that preferably, it further includes giving back to borrow that the dynamic based on block chain, which pledges inventory financing system,
Money module 100 is digitally signed confirmation for both sides after paying back the borrowed money for first terminal equipment to second terminal equipment.
Dynamic of the invention pledges inventory financing system, stores number using based on the chain type block structure with timestamp
According to the execution of each step of inventory financing process carries out on the block of block chain, each item of inventory financing is complete
At later, a relevant side requires to carry out hash Signature Confirmation, and trackability and verifiability are strong, can well solve duty
The problems such as appointing unclear, property rights dispute.In addition, using the block chain structure of distributed account book, financing enterprise, financial institution and third
Participation node of the square object stream as block catenary system, three all have complete account book, and the information of entire block catenary system is public
It opens, is transparent, can mutually supervise between each node body, mutually prove, avoiding cumbersome examination, enhance and trust each other, dropping
Low Cost of Credit.Also, the distinctive asymmetric encryption techniques of block chain, also ensure that information security during inventory financing,
Reliably and it is not easy to be tampered.The loan that the loan and financing enterprise that financial institution provides are given back is in the form of token in block
It circulates on chain, improves efficiency of fund operations.Dynamic of the invention pledges inventory financing method, initiatively by block chain technology
It is dissolved into inventory financing field, can be effectively prevented and play tricks and evade moral hazard, the trackability of data is realized, can verify that
Property, improve the efficiency of fund operations that existing dynamic pledges inventory financing business.
It is appreciated that another embodiment of the present invention also provides a kind of computer-readable storage medium, for storing
Dynamic based on block chain pledges the computer program of inventory financing, when the computer program is run on computers execute with
Lower step:
Step S1: first terminal equipment initiates loan application to second terminal equipment, disposes loan agreement, and first terminal is set
Standby and second terminal equipment is digitally signed confirmation；
Step S2: deployment stock supervises contract, and first terminal equipment, second terminal equipment and third terminal equipment are counted
Word Signature Confirmation；
Step S3: first terminal equipment user delivers collateral security to third terminal equipment user and is digitally signed really
Recognize, third terminal equipment user carries out digital Signature Confirmation after receiving, second terminal equipment user assesses simultaneously collateral security
Digital signature confirmation；
Step S4: first terminal equipment proposes that warehouse financing loan application, deployment warehouse financing are borrowed to second terminal equipment
Money contract, second terminal equipment audit warehouse financing loan agreement, and first terminal equipment and second terminal equipment carry out
Digital signature confirmation；
Step S5: second terminal equipment is borrowed money to first terminal equipment granting and digital signature confirmation, first terminal equipment
Digital signature confirms after receiving loaning bill；
Step S6: second terminal equipment sets minimum to the commodity value for the collateral security that first terminal equipment user delivers
Volume, third terminal equipment adjust minimum inventory critical value according to market price fluctuations in real time, and first terminal equipment, second terminal are set
Standby and third terminal equipment is digitally signed confirmation.
It is appreciated that preferably, the computer program also executes following steps when running on computers:
Step S7: for collateral security more than nil-norm, first terminal equipment can propose to pick up goods to second terminal equipment
Apply and digital signature confirmation, second terminal equipment receive digital signature after delivery of cargo is applied and confirms；
Step S8: second terminal equipment sends ship directive and digital signature confirmation, third terminal to third terminal equipment
Digital signature confirms after equipment receives ship directive, and first terminal equipment is digitally signed confirmation；
Step S9: third terminal equipment user provides the collateral security and number of nil-norm or more to first terminal equipment user
Word Signature Confirmation, digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed
Confirmation.
It is appreciated that preferably, the computer program also executes following steps when running on computers:
Step S100: first terminal equipment pays back the borrowed money to second terminal equipment and digital signature confirmation, second terminal are set
It is standby receive pay back the borrowed money after digital signature confirm；
Step S101: first terminal equipment proposes delivery of cargo application and digital signature confirmation to second terminal equipment, and second eventually
Digital signature confirms after end equipment receives delivery of cargo application；
Step S102: second terminal equipment sends ship directive to third terminal equipment and digital signature confirmation, third are whole
Digital signature confirms after end equipment receives ship directive, and first terminal equipment is digitally signed confirmation；
Step S103: third terminal equipment user provides collateral security and digital signature confirmation to first terminal equipment user,
Digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed confirmation.
The form of general computer-readable medium includes: floppy disk (floppy disk), flexible disc (flexible
Disk), hard disk, tape, remaining any magnetic medium, CD-ROM, remaining any optical medium, punched card (punch
Cards), paper tape (paper tape), remaining any physical medium of pattern with hole, random access memory (RAM),
Programmable read only memory (PROM), erasable programmable read-only memory (EPROM), the read-only storage of quick flashing erasable programmable
Device (FLASH-EPROM), remaining any memory chip or cassette or it is any remaining can allow computer read medium.Instruction
It can further be sent or receive by a transmission medium.This term of transmission medium may include any tangible or invisible medium,
It, which can be used to store, encodes or carries, is used to the instruction that executes to machine, and include digital or analog communication signal or its with
Promote the intangible medium of the communication of above-metioned instruction.Transmission medium includes coaxial cable, copper wire and optical fiber, and it comprises be used to pass
The conducting wire of the bus of a defeated computer data signal.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, for the skill of this field
For art personnel, the invention may be variously modified and varied.All within the spirits and principles of the present invention, made any to repair
Change, equivalent replacement, improvement etc., should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of dynamic based on block chain pledges inventory financing method, which is characterized in that
The following steps are included:
Step S1: first terminal equipment to second terminal equipment initiate loan application, dispose loan agreement, first terminal equipment and
Second terminal equipment is digitally signed confirmation；
Step S2: deployment stock supervises contract, and first terminal equipment, second terminal equipment and third terminal equipment carry out digital label
Name confirmation；
Step S3: first terminal equipment user delivers collateral security to third terminal equipment user and carries out digital Signature Confirmation, the
Three terminal user carry out digital Signature Confirmation after receiving, second terminal equipment user assess to collateral security and number is signed
Name confirmation；
Step S4: first terminal equipment proposes that warehouse financing loan application, deployment warehouse financing loan close to second terminal equipment
About, second terminal equipment audits warehouse financing loan agreement, and first terminal equipment and second terminal equipment carry out number
Signature Confirmation；
Step S5: second terminal equipment is borrowed money to first terminal equipment granting and digital signature confirmation, first terminal equipment receive
Digital signature confirms after loaning bill；
Step S6: second terminal equipment sets nil-norm to the commodity value for the collateral security that first terminal equipment user delivers,
Third terminal equipment adjusts minimum inventory critical value, first terminal equipment, second terminal equipment according to market price fluctuations in real time
Confirmation is digitally signed with third terminal equipment.
2. the dynamic as described in claim 1 based on block chain pledges inventory financing method, which is characterized in that
It is further comprising the steps of that the dynamic based on block chain pledges inventory financing method:
Step S7: for collateral security more than nil-norm, first terminal equipment can propose delivery of cargo application to second terminal equipment
And digital signature confirms, digital signature confirms after second terminal equipment receives delivery of cargo application；
Step S8: second terminal equipment sends ship directive and digital signature confirmation, third terminal equipment to third terminal equipment
Digital signature confirms after receiving ship directive, and first terminal equipment is digitally signed confirmation；
Step S9: third terminal equipment user provides the collateral security and number label of nil-norm or more to first terminal equipment user
Name confirmation, digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed confirmation.
3. the dynamic as described in claim 1 based on block chain pledges inventory financing method, which is characterized in that
Further include the following contents in the step S1:
Second terminal equipment carries out credit to first terminal equipment user and second terminal equipment user and appraises and decides.
4. the dynamic as described in claim 1 based on block chain pledges inventory financing method, which is characterized in that
Second terminal equipment is borrowed money in the form of token to first terminal equipment granting in the step S5.
5. the dynamic as described in claim 1 based on block chain pledges inventory financing method, which is characterized in that
In the step S7 first terminal equipment remargin, barter or by way of token beats money to second eventually
End equipment carries out delivery of cargo application.
6. the dynamic as described in claim 1 based on block chain pledges inventory financing method, which is characterized in that
It is further comprising the steps of that the dynamic based on block chain pledges inventory financing method:
Step S100: first terminal equipment pays back the borrowed money to second terminal equipment and digital signature confirmation, second terminal equipment are received
Digital signature confirms to after paying back the borrowed money；
Step S101: first terminal equipment proposes delivery of cargo application to second terminal equipment and digital signature confirmation, second terminal are set
Standby digital signature confirmation after receiving delivery of cargo application；
Step S102: second terminal equipment sends ship directive to third terminal equipment and digital signature confirmation, third terminal are set
Standby digital signature confirmation after receiving ship directive, first terminal equipment are digitally signed confirmation；
Step S103: third terminal equipment user provides collateral security to first terminal equipment user and digital signature confirms, and first
Digital signature confirms after terminal user receives collateral security, and second terminal equipment is digitally signed confirmation.
7. a kind of dynamic based on block chain pledges inventory financing system, it is suitable for base as described in any one of claims 1 to 6
Inventory financing method is pledged in the dynamic of block chain, which is characterized in that
Including loan application module (11), loan application rear portion from first terminal equipment to second terminal equipment that initiated for receiving
Loan agreement is affixed one's name to, and is digitally signed confirmation for first terminal equipment and second terminal equipment；
Stock administration module (12), for disposing stock supervision contract and for first terminal equipment, second terminal equipment and third
Terminal device is digitally signed confirmation；
Collateral security delivery module (13), for whether delivering and going forward side by side for first terminal equipment and third terminal equipment confirmation collateral security
The Signature Confirmation of line number word and for for second terminal equipment to collateral security assess and digital signature confirm；
Warehouse financing loan application module (14), the warehouse financing proposed for receiving first terminal equipment to second terminal equipment
Loan application and dispose warehouse financing loan agreement, for for second terminal equipment to warehouse financing loan agreement audited with
And for being digitally signed confirmation for first terminal equipment and second terminal equipment；
It provides loaning bill module (15), for true to first terminal equipment granting loaning bill and both sides' digital signature for second terminal equipment
Recognize；
Collateral security is worth setting module (16), for minimum for commodity value setting of the second terminal equipment to the collateral security of delivery
Limit and first terminal equipment, second terminal equipment and third terminal equipment tripartite are digitally signed confirmation.
8. a kind of dynamic based on block chain as claimed in claim 7 pledges inventory financing system, which is characterized in that
The dynamic based on block chain pledges inventory financing system
Delivery of cargo application module (17), for submitting delivery of cargo application and both sides' number label to second terminal equipment for first terminal equipment
Name confirmation；
Ship directive generation module (18), for sending ship directive to third terminal equipment for second terminal equipment and supplying first
Terminal device, second terminal equipment and third terminal equipment tripartite are digitally signed confirmation；
Delivery confirmation module (19) is used for for first terminal equipment, second terminal equipment and third terminal equipment tripartite about goods
Whether object, which is provided, is digitally signed confirmation.
9. a kind of computer-readable storage medium, the computer of inventory financing is pledged for storing the dynamic based on block chain
Program, which is characterized in that the computer program executes following steps when running on computers:
Step S1: first terminal equipment to second terminal equipment initiate loan application, dispose loan agreement, first terminal equipment and
Second terminal equipment is digitally signed confirmation；
Step S2: deployment stock supervises contract, and first terminal equipment, second terminal equipment and third terminal equipment carry out digital label
Name confirmation；
Step S3: first terminal equipment user delivers collateral security to third terminal equipment user and carries out digital Signature Confirmation, the
Three terminal user carry out digital Signature Confirmation after receiving, second terminal equipment user assess to collateral security and number is signed
Name confirmation；
Step S4: first terminal equipment proposes that warehouse financing loan application, deployment warehouse financing loan close to second terminal equipment
About, second terminal equipment audits warehouse financing loan agreement, and first terminal equipment and second terminal equipment carry out number
Signature Confirmation；
Step S5: second terminal equipment is borrowed money to first terminal equipment granting and digital signature confirmation, first terminal equipment receive
Digital signature confirms after loaning bill；
Step S6: second terminal equipment sets nil-norm to the commodity value for the collateral security that first terminal equipment user delivers,
Third terminal equipment adjusts minimum inventory critical value, first terminal equipment, second terminal equipment according to market price fluctuations in real time
Confirmation is digitally signed with third terminal equipment.
10. computer-readable storage medium as claimed in claim 9, which is characterized in that
The computer program also executes following steps when running on computers:
Step S7: for collateral security more than nil-norm, first terminal equipment can propose delivery of cargo application to second terminal equipment
And digital signature confirms, digital signature confirms after second terminal equipment receives delivery of cargo application；
Step S8: second terminal equipment sends ship directive and digital signature confirmation, third terminal equipment to third terminal equipment
Digital signature confirms after receiving ship directive, and first terminal equipment is digitally signed confirmation；
Step S9: third terminal equipment user provides the collateral security and number label of nil-norm or more to first terminal equipment user
Name confirmation, digital signature confirms after first terminal equipment user receives collateral security, and second terminal equipment is digitally signed confirmation.
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| CN110866821A (en) * | 2019-10-23 | 2020-03-06 | 湖南大学 | Financing method and system based on block chain and product life cycle, and storage medium |
| CN111539803A (en) * | 2020-04-02 | 2020-08-14 | 普洛斯科技(重庆)有限公司 | Pledge financing monitoring method, system and computer readable storage medium |
| CN111582633A (en) * | 2020-03-26 | 2020-08-25 | 天元大数据信用管理有限公司 | Financial security risk supervision method, device and medium based on block chain |
| CN112017041A (en) * | 2020-10-21 | 2020-12-01 | 四川文轩宝湾供应链有限公司 | Supply chain financial service system and method based on inventory financing |
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| CN113628040A (en) * | 2021-08-30 | 2021-11-09 | 湖南大学 | Floating pledge financing method, device and equipment under live property guarantee based on block chain |
| CN113674080A (en) * | 2021-07-30 | 2021-11-19 | 湖南大学 | Block chain-based dynamic movable property pledge financing method, equipment and storage medium |
| CN113674090A (en) * | 2021-08-23 | 2021-11-19 | 湖南大学 | Block chain-based dynamic mortgage supervision method, system, equipment and storage medium |
| CN113763155A (en) * | 2021-09-14 | 2021-12-07 | 福建三钢闽光股份有限公司 | Steel trade enterprise financing warehouse financing method based on cloud platform supply chain finance |
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| CN110852869A (en) * | 2019-10-23 | 2020-02-28 | 湖南大学 | Block chain based patent technology pledge financing method and system, and storage medium |
| CN110866821A (en) * | 2019-10-23 | 2020-03-06 | 湖南大学 | Financing method and system based on block chain and product life cycle, and storage medium |
| CN111582633A (en) * | 2020-03-26 | 2020-08-25 | 天元大数据信用管理有限公司 | Financial security risk supervision method, device and medium based on block chain |
| CN111539803A (en) * | 2020-04-02 | 2020-08-14 | 普洛斯科技(重庆)有限公司 | Pledge financing monitoring method, system and computer readable storage medium |
| CN111539803B (en) * | 2020-04-02 | 2023-08-29 | 普洛斯科技(重庆)有限公司 | Mortgage financing monitoring method, system and computer readable storage medium |
| CN112017041A (en) * | 2020-10-21 | 2020-12-01 | 四川文轩宝湾供应链有限公司 | Supply chain financial service system and method based on inventory financing |
| CN112434026A (en) * | 2020-10-29 | 2021-03-02 | 暨南大学 | Secure intellectual property pledge financing method based on Hash chain |
| CN113674080A (en) * | 2021-07-30 | 2021-11-19 | 湖南大学 | Block chain-based dynamic movable property pledge financing method, equipment and storage medium |
| CN113674090A (en) * | 2021-08-23 | 2021-11-19 | 湖南大学 | Block chain-based dynamic mortgage supervision method, system, equipment and storage medium |
| CN113674090B (en) * | 2021-08-23 | 2023-09-26 | 湖南大学 | Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain |
| CN113628040A (en) * | 2021-08-30 | 2021-11-09 | 湖南大学 | Floating pledge financing method, device and equipment under live property guarantee based on block chain |
| CN113763155A (en) * | 2021-09-14 | 2021-12-07 | 福建三钢闽光股份有限公司 | Steel trade enterprise financing warehouse financing method based on cloud platform supply chain finance |
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Application publication date: 20190719 |